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Realistic Personal Finance Tips

Why You Need To Keep A Household Budget

We work hard to earn a living. We should make sure we spend the money we bring home wisely. That’s where a household budget comes in. It’s a good tool to see at a glance what we have coming in, what’s going out (and what that money is paying for) and if there’s anything left at the end of the month to put into savings.

Before we dive into exactly what a budget can do for us, let’s consider for a minute what will happen if we’re not tracking income and expenses. We may end up spending more than we’re making in a given month (or two, or three). Over time that can put us into some pretty hot water financially. We may also spend a lot more than we’d like to believe on things like eating out, going to the movies or new clothes.

Having a budget gives us more control over where we want to really spend our hard earned cash. Maybe that’s dinner and a movie, but maybe it isn’t. Wouldn’t it be nice to have an actual choice?

It Tracks Where Your Money Is Going

A budget simply tracks your money. You record where the money comes from each month (your income) and then write out everything you spend it on, starting with your regular monthly bills like mortgage or rent, car payments, utility bills etc. What’s left after all the bills are paid is your discretional income.

Helps You Identify Things You Waste Money On

Having it all in front of you in black and white helps you identify things you’re wasting your money on.

It makes you reconsider if you really want to spend well over $200 a month on Cable TV or $150 on your large cell phone plan. Or how about that yearly magazine subscription to something you no longer read? Go through your expenses and reevaluate if this is REALLY how you want to spend your pay check.

Allows You To Be Proactive About Savings

Saving money without a budget is hard. We go in with the best of intentions at the beginning of the month, but somehow there isn’t anything left at the end of the month.

A budget gives you a chance to be a bit more proactive. Set aside some money for savings at the beginning of the month, even if it’s just $20. Put it in the budget as a regular expense, just like you do with your other urgent bills. If you need to, open a separate savings account so you’re not tempted to spend it.

Ensures You’re Not Spending More Than You’re Making

Most importantly, your budget will keep you on track and help you make sure you’re not spending more than you’re making. And I don’t have to tell you that that’s pretty important for your financial wellbeing.

Put Your Savings On Autopilot

Putting a little money away for a rainy day isn’t always easy. You may have some good intentions, but at the end of the day, there just isn’t any money left. Somehow whatever you make is spend before you make it to the next paycheck.

Start by making a personal budget. Take a look at what you bring in each month. Next, write down your fixed expenses. These are things like rent, car payments, utilities etc. Figure out how much you need each month for groceries and other essentials. This is your bare bones budget. It’s good to know what you need to get by each month.

Next it’s time for a little bit of math. Start with what you bring in each month and subtract all your core expenses. What you’re left with is your discretional income. This will pay for entertainment, clothes, getting your nails done etc. And from here on out, part of that discretional income will go into a savings account.

Pick a number you’re comfortable with. Maybe that’s just $20 per month, maybe it’s $500. Put it in your budget and treat it like any other bill. It won’t take you long to get into the habit of setting aside that money for savings.

To make it even more hands-off, talk to your bank about setting up a separate savings account. Then set up an auto-deposit to have the savings transferred to the new account as soon as your pay check comes in each month. If you don’t see it, you’ll never miss it and your savings will run on autopilot.

Don’t forget to audit your savings from time to time. Take another look at your budget. Can you increase your savings a little more? Another great way to boost that savings account is to take any extra money – thinks like birthday cash, tax return, bonuses etc. – and put them straight into the savings account. Again, you won’t even miss the money, but it will help you build up your savings quickly.

Make sure your savings are sitting in an interest bearing account. Since you won’t be touching this money unless it’s a dire emergency, you should be able to earn at least a little interest. Talk to your banker about your best options and start putting your savings on autopilot.

One last tip: Talk to your employer about matching 401K funds. You may be able to get a contribution from the company you work for towards your retirement savings account.

How To Plan For Unexpected Expenses

It’s just a matter of time before it happens. The transmission blows on your car right around the time your daughter needs braces and your washing machine decides to call it quits. All of these are unexpected expenses and something we need to deal with throughout life.

Being prepared as much as you can is your best bet when live throws you a financial curve ball.
Do your best to anticipate upcoming expenses. If you’re driving an older car, or your dishwasher has seen its better days, start saving up to replace the item. You may also want to start keeping an eye out for good deals on the replacement.

An even better strategy is to have an emergency savings fund. Set up a savings account and add to it monthly. Use it only for completely unexpected expenses. Make sure you know what’s in the account. And once you have to take money out of it replace it as quickly as possible.

This brings us to a good point. Here’s how to recover quickly after that purchase. Go over your budget (you have one of those, right?) and look if you can temporarily cut back on some things. Stop ordering Pizza every Friday night and make your own at home. Skip a night out on the town and watch a couple of movies on Netflix instead of going to the theatre.

Use the money you’re not spending for the next few months to refill your emergency fund. For an extra boost, work a few hours of overtime, do a few freelance projects or temporarily pick up a part time job to get back on track fast.

But what do you do when the expense comes up before you had a chance to set up the emergency fund? Take a deep breath and assess the situation. Can you make do without the item for a little while? Just long enough to scrape together the funds to repair or replace it. If it’s the dishwasher, that’s easy. You can wash dishes by hand for a little while. If it’s the fridge or the car you rely on to get you to work each day, that’s a different story.

If you need the item that broke, evaluate if it would be less expensive to repair than replace. Even if it isn’t the perfect solution, it may get you to work until you can safe up for a different car. Shuffle your money around and if there is no other option charge it to the credit card and get to work. Your one and only goal right now is to pay off that expense. If you stick every penny of discretional income in, it won’t take you long.

One your bills and credit cards are paid off, do what you can to get that emergency fund set up. Because you know something else will break down the road.

Do You Have A Financial Safety Net? (And How To Build One)

Do you have a financial safety net? It’s something worth thinking about and setting up. What will happen to you and your loved ones if you lose your job for a few months? What if you get into an accident that may prevent you from earning a living? Or what if some unexpected expenses come up. Do you have anything in place to make sure the bills continue to get paid and your family is taken care of?

If not, now is the time to get started. But where do you actually start? Having three to six months’ worth of living expenses tucked away in an interests-bearing account is a good beginning. Figure out what your family needs to comfortably live on if all income stops. Then start saving as much money as you can until you have built up this safety net.

Put the money you usually spend on going out to eat, going to the movies, buying the newest TV and Tech gadget and the likes into your savings account until you’ve saved enough to have a comfortable cushion. Take make this step go even faster, add any bonuses, tax refunds etc. as well.

Don’t just stop there. Make it a goal to add to your safety cushion as you can and come back and revise your numbers from time to time. Your living expenses may go up or down over time and you can adjust how much you need to set aside in quickly accessible money accordingly.

Life and disability insurance are another important part of your financial safety net, as is your retirement money. Do you have a plan in place to continue to cover your living expenses (or those of your family) when you can no longer work? Call up your insurance agent and go over your current coverage. Make sure the insurance you’re paying for will pay out what you need and if not, make adjustments.

Once you have those two parts of your safety net firmly in place, consider investing any additional savings into higher interest bearing accounts. While you may not be able to access any money invested here right away, it will come in handy when you’re dealing with a long term financial emergency or are ready to retire. The plus side is that there are plenty of investment vehicles out there that will get you a much better return than your plain savings account at the bank. Talk to your financial adviser and come up with a plan that’s right for you, your family and whatever the future may hold.

Keep Your Grocery Spending Under Control

Aside from your mortgage, your biggest monthly expense is likely groceries. And unlike your mortgage, your car payment and most of the rest of your bills you actually have some control over how much you spend at the grocery store.

Make A Grocery Budget

Start by tracking how much you’re spending on groceries for a few weeks. From there, come up with a weekly or monthly budget. Allot that money for groceries and whatever you do don’t go over.

Next, try cutting back your budget by $20 per month. Keep going and see how low you can go. The remaining tips will help you do that without feeling like you’re depriving yourself.

Keep A Price Book

Who doesn’t love a bargain or a good deal? They are all over the store, but do you know if what they advertise as a good deal is actually saving you money?

Keep a little notebook in your purse or keep a text document on your phone with the regular prices of the items you buy most often. Not only can you see if that “deal” really is a deal, you can also determine what kitchen staple is cheapest where and adjust your shopping accordingly. Your price book will also come in handy when you browse through weekly grocery flyers. You can decide if a loss leader deal is worth driving to the store long before you ever set a foot out the door.

Come Up With A Few Frugal Dishes

You don’t have to make drastic changes and eat nothing but rice and beans all week. Instead think of a few inexpensive dishes your family enjoys. They may be rice and beans. Or how about a big pot of soup or chili. Often meatless dishes will be your best frugal bet, or use meat in small portions on frugal dish days.

Enjoying frugal meals even just a handful of days during the month combined with using up any and all leftovers will make a big difference in your grocery budget.

Cut Out The Extras

Make a list before you head to the store and stick to it. All those little extras like the fancy bread from the bakery or the candy you grabbed at checkout start to add up. Get in the habit of skipping those extras unless there’s a good reason to buy them. Stick to your list and you’ll cut your grocery bill by quite a bit each week. It’s amazing how all those little extras add up.

Give these tips a try and see if you don’t start to see big savings on a weekly basis. What you do with all the extra money each month is up to you. Save up for a fun summer vacation, pay off those credit cards or start building your financial safety net.

Manifestation Babe 21 Day Money Challenge – Day 10 and 11

Such is life, eh? I got distracted for a few days with crazy stuffs going on around me, so I’ll do two days today, and then go from there as I try to catch back up on the 21 days.

Anywho… so day 10 is about shutting up your mind by way of journaling and meditation. Then, day 11 is about seeing it before you see it. Say what?!? Yeah – I know. Sounds crazy, but it’s about seeing it in your mind, before it shows up in your life. Got it? Good!

Grab the book and follow along with me, it’s called Unleash Your Inner Money Babe: Uplevel Your Money Mindset and Manifest $1,000 in 21 Days

Day 10 Discoveries

I love the day 10 exercise because Kahtrin wanted us to meditate, but check in with ourselves before and after we do it too. I had long avoided the idea of meditation because I thought it was silly, and I could never focus enough to actually do it. Then, I found guided meditations…let me tell you -HUGE GAME CHANGER!!!

I REALLY enjoy guided meditations. I use a combination of apps, Youtube, various websites, etc… to find guided meditations that work for me. One app I’m obsessed with is Insight Timer.

It’s free for Android and iOS phones, and has loads of various meditations for everything from helping you get more restful sleep to manifesting more money, and creating more confidence to forgiveness exercises.

If you struggle with keeping focused while meditating, I highly recommend trying guided meditations.

As for journaling – I don’t do that nearly as often as I wish I did. I get very distracted with it, and it end up being more of a word vomit page than anything focused.

Still, even doing the word vomit helps me a lot because it gets everything out of my head and onto the page so that I can focus on the things I really need to do that day!

I do enjoy focused journaling too though where you are given a specific topic and you journal on that.

I often look on Pinterest for journal prompts when I want to go beyond the word vomit. haha!

Day 11 Discoveries

Day 11 was all about visualization. I struggle with this a lot. I think it’s in large part due to the same things that cause me trouble with meditation and journaling- and that is lack of focus. My distraction gene is strong! SQUIRREL!

So, even for visualization, I have to have something to focus on. What I do for that is again go to Pinterest. I have boards set up for my dreams and I look at them and study them and focus on them, in order to get the visions in my brain. Whatever works, right?

Welp, that’s all for days 10 and 11 – tomorrow I’ll try and do days 12 and 13, then the next day I’ll do days 14 and 15 to be all caught up. Whether or not I actually do it – I guess that part is still to be determined. haha!

Manifestation Babe 21 Day Money Challenge – Day 9

Day 9 is about affirmations. The one that Kathrin uses is “Money is all around me. I find money everywhere. It flows effortless into my life on a daily basis.” Them she gave us  more than 20 additional affirmations we can use to feel more abundant. Our money babe action of the day was to choose 3 of the ones she gave us to commit to and affirm our money truth with.

Grab the book and follow along with me, it’s called Unleash Your Inner Money Babe: Uplevel Your Money Mindset and Manifest $1,000 in 21 Days

Day Nine Discoveries

Rather than tell you the ones I’m committing to from her list, I’m sharing the affirmations I repeat to myself as often as I feel I need them.

  • I have a wildly popular podcast, Youtube Channel and blog!
  • My courses and books are bestselling digital products jam packed with value that is helpful to those who consume them
  • I can afford to give money to worthy causes every month!
  • Every month I can spend time learning, and I can afford to pay for the classes and conferences I want to go to.
  • I make 6 figures or more PROFIT easily, and quickly every year
  • I am making more money every day!
  • I am a money magnet
  • Money comes to me quickly and easily
  • Everything is going to be alright
  • More money is heading to me even as I speak
  • $10,000 a month in PROFIT or more is my norm
  • I’m comfortable with large amounts of money
  • I deserve wealth and abundance
  • I have plenty of time to do my work
  • I am creatively making money with my knowledge and experience
  • I am financially FREE!!!
  • I am strong
  • I am innovative
  • People need my services and my ideas
  • Clients come to me ready, willing, and able to pay
  • My bank accounts are growing rapidly
  • My income increases daily
  • I can afford everything and anything I want
  • I serve, so I deserve

I hope these affirmations inspire you to come up with some of your own.

And, I read the coolest idea for boosting your manifesting game. It said to record your affirmations on your phone from a place of “I am” and having the things you want in the present tense. Supposedly hearing your affirmations repeated to yourself in your own voice frequently, makes your mind more willing to believe it.

Manifestation Babe 21 Day Money Challenge – Day 8

Day 8 is a treasure hunt. The idea behind the treasure hunt is that what you look for expands. So, for the first part of the day’s exercise, you’re supposed to look for money all around you. The goal is to see just how abundant the Universe is. Then, the second part is a brainstorming exercise.

Grab the book and follow along with me, it’s called Unleash Your Inner Money Babe: Uplevel Your Money Mindset and Manifest $1,000 in 21 Days

Day Eight Discoveries

I’ve done the treasure hunt exercise many times, and always to pretty positive results. I know this world is filled with money, and abundance that goes beyond money. I am so grateful and thankful now that money surrounds me, money is everywhere, and money effortlessly flows into my life all day, every day.

My heart’s deep desire is to earn $10,000 profit every single month or more, consistently. And, I believe that it’s possible for that to be my reality, even though I don’t know how right now. I have decided that this amount of money will be my new normal.

How can I earn more money? Kathrin wants us to brainstorm a list of just 10 ways today. When I’ve done this exercise in the past the challenge was to get 50 ways on the page. I always stumble around item 30. It feels difficult sometimes to come up with a bunch of ways to make money. BUT! I LOVE how expansive I feel when I complete this exercise. It feels so secure to know that there are so many ways to make money, even with things like online gambling on slot online. Not only can you earn money, but it’s a fun way to do it!

Therefore, here are my 10 ideas to create more money in my life today:

  1. I could sell the rest of my jewelry
  2. Package all the content I’ve ever created and sell it as PLR for niche sites and business owners to use as their own content
  3. Package all the content I have created or acquired under miscellaneous subjects and release short eBooks for sale
  4. Sign new ghostwriting clients to create content for them
  5. Sell more copies of my course on how to start a ghostwriting business
  6. Ask my current clients for an increased per word rate
  7. Start an Etsy type store and sell my crafts online
  8. Start offering photography sessions again
  9. Create packages for my ghostwriting clients that includes more than just the ghostwritten blog posts to increase the amount I earn with each transaction – add social media, image curation, and scheduling their blog posts.
  10. Sell my car and start bicycling everywhere, and ubering when I need to go a further distance. Not a good idea in the long run, and I wouldn’t actually do this – but would certainly yield instant income.

 

Manifestation Babe 21 Day Money Challenge – Day 7

Day 7 is all about detoxing from the negativity in your life. Oooh this is a good one, because it’s something I struggle with BIG TIME

Grab the book and follow along with me, it’s called Unleash Your Inner Money Babe: Uplevel Your Money Mindset and Manifest $1,000 in 21 Days

Day Seven Discoveries

Kathrin encourages us to take time off from the negativity in our lives that isn’t serving us. So, I unfollowed pages that bring me down, and I unfriended and/or unfollowed people that constantly post sad or maddening things.

I already have been on a negativity detox honestly. I’ve not watched the news in a couple of years now. In fact, when people bring up stories that are trending in the media, I’m typically lost because I have no idea what is going on in the world.

On one hand, I worry sometimes that I’m becoming too ignorant. On the other, I’m happier avoiding all the sadness. I’m becoming quite protective of my heart and emotions.

Crazy thing though – the more I cut out negativity, the more it hurts when I come upon it. My husband says I look for the negative too much, and the truth is I expect bad things far too often. But, I’m working on it because I don’t want that to be my reality any more.

I want positivity, joy, happiness, and calm. And that’s okay. So, I’ll keep living in as much bliss as possible, and try to avoid my old ways of seeking out negativity. Gimme all the positive vibes please. They are so much more pleasurable after all.

What negative things are in your life that you can control, and cut out? It sure is interesting to ponder this and then start removing the darkness from your life. It’s actually becoming a new addiction for me. And, I love it!

Manifestation Babe 21 Day Money Challenge – Day 6

Day 6 is about letting go of the how… it’s not your job to figure out how the money you desire will come into your life

Grab the book and follow along with me, it’s called Unleash Your Inner Money Babe: Uplevel Your Money Mindset and Manifest $1,000 in 21 Days

Day Six Discoveries

For day 6, the challenge was to completely detach yourself from the how you will call in your desires…

Too often we get so hung up in “how will I acquire my dream income?” And that causes us to never get the money at all.

Would you ever doubt whether or not your order at a restaurant was coming to you? No. As such you should expect the Universe has taken your order of achieving an extra $1,000, and is working on moving all things through time and space to make that money come to you quickly and easily.

The idea of letting go of the how, is that money you desire can come from completely unexpected way. You might never anticipate the random way that an additional $1,000 can come into your life.

Kathrin’s way of detaching yourself from the how? Finding something fun to do. She suggested thinking about 5 things that make you happy when you spend time doing them, and then doing the 1 thing that sticks out the most to you.

Given the fact that most of the things on my list are things I currently can not do for one reason or another – I chose playing with my dogs, watching a movie, and eating a seriously delicious meal.

Now – I know this was 3 things, but sooooooooooo many things are enjoyable to me. And, this just felt like the perfect set of activities to distract me from what I want so I could focus completely on having fun.

Nothing wrong with that…right?!?

Manifestation Babe 21 Day Money Challenge – Day 4 and 5

Day 4 and 5 – I’m combining two days and I’m even behind a couple of days because of some crazy that occurred in my life.

Grab the book and follow along with me, it’s called Unleash Your Inner Money Babe: Uplevel Your Money Mindset and Manifest $1,000 in 21 Days

Day Four Discoveries

Day four is all about one of the most critical elements in the Law of Attraction – gratitude. Kathrin was brilliant in her explanation of why we must show that we’re thankful for our current gifts. She compared it with the analogy of receiving a present that you didn’t show gratitude for, and made the point that when a gift giver notices this, they are less likely to want to send you more gifts. Made perfect sense to me and I LOVED it!

So…today’s challenge was to write a list of 25 things we’re thankful for…

My gratitude list

“Gratitude is the holy grail of the high vibration energy that you can put out into the Universe” – Kathrin Zenkina

  1. I woke up today! Not everyone did, but today I was given another day of life. Another chance for my dreams to come true. Another day to make smarter choices! Thank you!!!
  2. I have a husband who loves me. That in and of itself means someone loves and cares for me, and is always on my side no matter what.
  3. My dogs- they fill me with such an immense amount of joy!!!
  4. The meal I’m eating right now. I’m thankful I had the money to buy it. I’m grateful it tastes good, and that someone else prepared it for me.
  5. My eyesight. My lasik eye surgery is still going strong and allows me to see without glasses or contacts. LOVE!
  6. My ability to walk.
  7. I’m thankful for the ability to write this gratitude list.
  8. I can hear the conversations around me, and the music that’s playing.
  9. I’m grateful for my phone, and my computer, and of course – the internet which affords me so many wonderful things.
  10. I’m glad I have clean clothes to wear, lots of choices for outfits and a way to wash and dry my clothes at home.
  11. I’m so thankful to have clean air to breathe.
  12. I’m thankful for my jewelry – especially the sentimental pieces.
  13. I’m so thankful for indoor plumbing. I’m remembering several moments when I was in Thailand and had to pay to pee and wash my hands. Oy! Crazy experience!
  14. I’m thankful for free drink refills and kids meals.
  15. I’m thankful my husband waits on me as I rest when things go wrong
  16. I’m grateful for free will – I know this one might sound strange, but I know in some countries the idea of not doing what you want to do is normal. That would be a prison for me, and I’m grateful for the freedom to make my own choices
  17. Amazon and Netflix – how awesome is it that we can be entertained so easily?!?
  18. I’m thankful to have a job that requires no pants, and no commute!
  19. So glad I’m creative!!!
  20. Excited to be going to Italy in 2019!
  21. I’m thankful for arts and crafts supplies.
  22. Incredibly grateful for doctors and therapists.
  23. Grateful for the Crisis Center of Tampa Bay for getting me through tough times!
  24. I’m grateful to live in the United States with central heating and air!
  25. I’m also thankful for all of my friends and family.

Day Five Discoveries

Day five is all about the fact that money needs a purpose. Kathrin challenged us to really think about what we would do with the money if we could manifest an extra $1,000 this month. I journaled about this, and took it further intending my purpose for what I would do with the $100,000 that I will manifest by December 31, 2019.

I’m not 100% ready to make those intentions public, but writing it all out was certainly inspiring for me. It made me so excited thinking about how I will use the money that I WILL manifest! I am loving this work, and I’m getting pretty addicted to this stuff I once considered a little Woo Woo. I’m embracing my inner woo-woo wholeheartedly and LOVING it!

Until tomorrow…may your hearts be full and your inner most desires be met!

Manifestation Babe 21 Day Money Challenge – Day 3

Day 3 is all about the feels! I was supposed to have this done by this morning, but a luncheon thwarted my plans. Perhaps it was silly to think I could commit to every day at breakfast, but at least I’m still actually doing the days, right?

So, I’ll continue my commitment to doing one of these posts every day, regardless of the time I’m able to get it done.

And again, I’m thinking really hard about making all of my challenges public. It feels so exciting putting all of my hopes and dreams out to the Universe in this manner. It’s like I’m shouting from the virtual rooftops what I want, and that I expect the Universe to deliver! WOOT!

Grab the book and follow along with me, it’s called Unleash Your Inner Money Babe: Uplevel Your Money Mindset and Manifest $1,000 in 21 Days

Day Three Discoveries

For day 3, the challenge was to list the feelings that I would have if I had an extra $1,000 right now. The idea is to get in tune with the feels related to having what you want now, not the feelings you would have if it’s on its way. If money is just energy, you have to get into the energetic feeling of already having it now so that it can more easily flow to you.

For me, if I had an extra  $1,000 right now I’d be calmer and relieved.  I’d feel a little more free, and a little more happy. And, I’d feel excited about what I’m going to do with the money.

You’re supposed to then repeat these feelings to get energetically aligned so the Universe can give you the money! To get into these happy feelings I’m going to visualize the money in my bank account and just feel calm, relieved, happy, free and excited.

Money Prayers

Along with this 21 day challenge, I’m also reading Catherine Ponder’s The Dynamic Laws of Prosperity. And, in her book she has these awesome money prayers that have been helping me feel more prosperous. Below are a few I’d like to share with you if you too want to feel a little more prosperous right now.

  • There is gold dust in the air – for me. Through definite, deliberate prosperous thinking, I now begin assimilating that gold dust. And even now I am beginning to experience gold dust results.
  • Divine Love expressing through me now draws to me all that is needed to make me happy and my life complete. (Yes, I know this one may be more about love than money, but when I feel loved, I make more money. Maybe it’s because it boosts my confidence and helps me feel less afraid to pitch potential clients – whatever it is – I’ll take all the love feels)
  • I release, loose, let go and let God.
  • I am the rich child of a loving Father. All that the Father has is mine to share and to experience. Diving Intelligence is now showing me how to claim my own God-given wealth, health and happiness. Divine Intelligence is even now opening the way for my immediate blessings. I have faith that all that is mine by divine right now comes to me in rich abundance. My rich blessings do not interfere with anyone else’s good, since God’s rich substance is unlimited and everywhere for all to use. There is no delay! That which is not for my highest good now fades from me and I no longer desire it. My God-given desires are richly fulfilled now in God’s own wonderful way.
  • Declare: I give thanks for the immediate, complete, divine fulfillment of these desires. This or something better comes forth with perfect timing, according to God’s rich good for me.
  • I am now activated by Divine Intelligence, motivated by Divine Love and guided by Divine Power into my right work, which I perform in a perfect way for perfect pay. The divine plan of my life now takes shape in definite concrete experiences, leading to perfect health, happiness, success and prosperity.

Aren’t those just awesome?!? I’m loving getting into my inner woo-woo spiritual side. Some how, some way, this WILL be the year that everything changes for me. My deepest desires are becoming realities, even as I type this now. SOOOOOOOO excited, and feeling so good! Until tomorrow…may your hearts be full and your inner most desires be met!

Manifestation Babe 21 Day Money Challenge – Day 2

Day 2 – Man oh man! Didn’t expect to cry as much as I did in today’s challenge, but wowza! I feel amazing right now!

Grab the book and follow along with me, it’s called Unleash Your Inner Money Babe: Uplevel Your Money Mindset and Manifest $1,000 in 21 Days

Day Two Discoveries

For day 2, the challenge was all about forgiveness. The idea is that you should completely forgive yourself, and everyone and everything from your past that has been negative until now.

Master manifestor Joe Vitale has this amazing practice he does called Ho’oponopono, and I first heard about this practice from Denise Duffield Thomas in her Money Bootcamp. The practice goes like this:

Think about every person who has wronged you and say OUT LOUD:

  • I’m sorry
  • I forgive you
  • Thank you and
  • I love you

For what I consider obvious reasons I’m not going to share my full forgiveness list publicly. However, I do want to acknowledge how much lighter I feel after doing just 30 minutes of forgiveness work. Things that I thought didn’t bother me anymore, came up unexpectedly during this exercise.

I cried a lot more than I planned, but when I was finished I felt so much love and happiness towards myself and everyone on my list. I hope that now I can truly move on from the things that were on my list. Letting them go feels freeing.

I definitely want to work more on forgiveness. I know that by forgiving others and myself I can clear the space in my heart and in my mind that I need to bring my goals and dreams into realities. I want to be clear of negativity as much as possible.

If you’re reading this right now, I love you. I’m sending you love and positive vibes and the hope that all of your dreams come true. I’m rooting for you and I want to see you succeed. here’s to our manifestation of everything we’ve ever wanted!

Manifestation Babe 21 Day Money Challenge – Day 1

Alright, here is DAY 1!!! I’m so excited to unleash my inner money babe. I’m thinking I might just publicly do all my personal development stuffs here on my blog. Big dreams require big action after all. Am I right? So…going forward as I’m working through courses and challenges and stuffs…I’m just going to lay it all out and uplevel my whole LIFE! WOOHOO

Grab the book and follow along with me, it’s called Unleash Your Inner Money Babe: Uplevel Your Money Mindset and Manifest $1,000 in 21 Days

Day One Discoveries!

for Day One, Manifestation Babe wanted us to start clearing out the crap. As with many manifestation readings and videos I’ve encountered, decluttering is a great way to clear the space for the new.

She told us to start with just our wallet and the space we spend the most time in. She recognizes we can’t do our entire homes in one day. Thank goodness!

Now that I’ve cleaned out my wallet I feel a little bit better. Then again, I also was a little bit annoyed because I realized that I had coupons in my wallet that I forgot about and let expire. But I guess that just proves that I need to clean out my wallet a little more frequently. I have considered just buying a whole new wallet for a fresh start to prevent the whole build-up of useless gift cards and coupons. I had been looking at some Louis Vuitton Fake wallets…they look stunning! I haven’t splurged as of yet, but I think it would be a great way to start fresh once again.

I did make a few other discoveries hiding in my wallet that made me excited. I found a couple of gift cards that I can use to go out to eat with my husband, and I found 4 free movie tickets that we can use for a couple of date nights. So now we just need to schedule some nights out with each other, which I do confess I’m looking forward to. I just LOVE spending time out with my hubby!

I handle most of my finances from my home office. Now that I’ve cleaned that area out, it does feel a little bit more organized. I feel like the spot is a little less chaotic. but, it also looks really bare. Haha!

I guess that’s to be expected whenever you clean an area out. I do want to clean out the rest of my apartment as well. I definitely want to organize my entire living space as well, and give everything a place where it goes . Nothing frustrates me more then not being able to find what I’m looking for what I’m looking for it.

The main area that I spend the most time in is my home office. The other space that I spend time in is my living room. And, I did clean a lot of the crap out that was in the living room too, but again I seriously need to declutter a lot more.

I definitely feel lighter, happier, and able to breathe easier when my space is clean and clutter-free. However the thing that frustrates me is the difficulty in maintaining the cleanliness. I find what generally happens is I spend a bunch of time cleaning, and then I don’t stick to putting everything back where it belongs.

What I would definitely like to have happen in my “Rich Babe” mind, is to clean my entire space and then manifest enough money to hire a housekeeper. That way someone else will be responsible for putting everything away and I can just focus I’m doing the things that I actually want to do.

Of course, I’m pretty sure I’m getting ahead of myself. Therefore, I’ll just focus on these 21 days first and see where they take me.