Practical money skills – my weekly money process

Practical money skills – my weekly money process

by | Apr 28, 2021 | Money Management

Today we’re going to cover practical money skills and I’m taking you behind the scenes of what I do with my own money – each & every week.

Budgeting, saving, and knowing how to move your money around, ESPECIALLY when you’re self-employed can feel really confusing.

That’s why I’m going to take you through my ACTUAL step-by-step process.

Following this process will help you reach your financial goals, ensure your bills are being paid, and help you feel confident and in control of your finances.

Most importantly, what we’re covering here really is the KEY the key to smoothing out your cashflow and getting off that feast and famine income rollercoaster – especially when you’re self-employed and you have irregular income.

And the best news of all is it only takes five minutes a week!

Having the right practical money skills when you’re self-employed can be a total lifesaver -because when you don’t know what to actually do with your money as it comes in, it can land you on this really crazy, stressful roller coaster, where it’s feast and famine, where one day you feel like everything’s great, and then suddenly there’s not enough money to pay your regular bills, and it just never feels like enough.

I know what it’s like to have next to no money.  At one stage I was a single mum on welfare payments.

And I also know what it’s like to have a healthy, six figure business income and still feel like you have nothing to show for it!

The good news is that between those two very personal experiences and the process of building a successful finance business where I helped my clients sort out their money stuff, I developed practical skills and strategies that help you smooth out your cashflow and help you take control of your money.

And what I REALLY REALLY love about all this is that it helps raise your vibration!

It aligns you with abundance and it makes you magnetic so that you attract even more money and abundance. It’s win, win, win.

Maybe the best news of all is that there’s no budgeting required because budgets don’t work.

Money systems, however, can be absolutely life-changing.

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​So I’m going to take you through my actual personal step-by-step process that I go through each and every week as my money comes in to allocate and distribute it all.

Let’s do this.

STEP 1: Tally your income
The first thing I do each and every week is sit down and add up all the money that came into my business that week. (For you it might be fortnightly or monthly)

This is the money that you then need to allocate and distribute and move around.

Now, I did a whole video about giving every dollar a job to do which is linked for you below – because that’s what this is ultimately all about – so go check that out next.

While I’m talking about tallying your income:
This is actually one of my favorite money mindset strategies, because as I sit down and I do this, it allows me to keep tabs on my mindset and see what my thought processes and patterns actually are.

STEP 2: Calculate your tax
The amount of tax you need to put aside is going to vary week to week, depending on how much money came into your business.

It should always be a percentage of your gross income and you should have a fairly good idea of what that number should be. This will be an estimate, but you want to make sure that you’ve got it well covered. (If you’re not quite sure what that percentage should be, then speak to your accountant, look at last year’s tax returns and make the best educated guess you can for the time being)

STEP 3: Calculate your surplus or shortfall. 

Once you know how much tax you need to put aside, you want to deduct that from the gross income that came in, and then you also want to deduct how much money you need to keep in your business account to keep your business running as well as the amount you’re going to need to pay yourself in salary or wages.

Once you’ve done that, you will either be left with a surplus or a shortfall.

You need to either allocate that surplus or make a note of the shortfall and make a plan for it. 

And this right here, this little move, that is the key to smoothing out your cashflow when you have irregular business income.

Is this something you do? Do you keep track of surplus and shortfall each income cycle so that you can help use those numbers to smooth out your cashflow? 

Let me know in the comments below: 

Do you keep track of your surplus or shortfall?

Okay – once you know whether you have surplus or shortfall, it’s time to decide what needs to happen next. 

STEP 4: Make your adjustments.
If you’ve got a surplus on your hands, it’s time to celebrate, do a little happy dance, but then you need to decide what to do with it.

First, you need to check your notes from the last payment cycle. Have you carried forward a shortfall from before? Because if you have, the first thing that needs to happen is to pay that back. 

Once that’s done, if there is still some surplus available, then you need to allocate that in alignment with your current highest financial priority.  (And if you’re not sure what that is, then make sure you check out the linked articles below next!)

So that’s what you do when you have a surplus. But what about when you have a shortfall? 

Well, there’s not enough money to do everything you need to do, so something’s going to have to go without. 

Let’s use an example and say that you’re $500 short, and what you decide to do is short-change your tax account, because you don’t need to pay tax for quite a while yet anyway.

So do that, but then it’s important that you make a note of that so that you can cover that shortfall next time. Otherwise, you end up in a feast and famine cycle.

So yes, there’s a short fall. It will happen from time to time.
That’s OK, make the best decision you can, take a note and then make it up next time.

This is how you smooth your cashflow and avoid the rollercoaster.

 Now, once you’ve done all of that, it’s time to do the magic money shuffle.

STEP 5: This is the easy bit – time to do the magic money shuffle
Now that you’ve done all the work (in all of five minutes it took), you simply transfer that money.
You need to move that money around.

So transfer that tax money to your tax account, transfer that personal income to your personal account and transfer the surplus to wherever it needs to go to make up for any previous shortfall.

That’s it – you’re done! It’s that simple.

If you’re wondering how to calculate all these numbers, then grab yourself my handy income target calculator!

It comes with a bonus income distribution calculator to help you do all those things we just talked about and there’s even a handy video tutorial for you.

That’s today’s freebie which you can access here: www.miriamcastilla.com/calculator

It’s time to embrace your unlimited potential and you know what the next step is!

GET YOUR INCOME TARGET CALCULATOR HERE:

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Simple Money Mindset Hacks To Get Your Income Flowing.

by | Apr 14, 2021 | Money Mindset

​Has improving your money mindset been on your mind? (No pun intended.)

There’s a LOT of information out there on how to clear your money blocks and get more income flowing.
Some is really good, some is just awful & most of it is utterly confusing and way too complicated.

So today we’re going to focus on simple money mindset hacks to get your income flowing.

We’ll cover some easy strategies you can use any time, anywhere to improve your money mindset and get more money flowing.

And along the way I’m going to share with you 3 easy ways to clear your money blocks that are so simple, a ten-year-old can do them.

Are you ready? Let’s go!

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I specialise in helping women entrepreneurs clear their money blocks and improve their money mindset so they can take confident control of their money and attract plenty more.

When we first start working together, most people are surprised by how simple some of the things are will really improve your money mindset.

That’s because we’re working with the unconscious mind.

And when you understand how it works, you can tap into that and make life easy for yourself because the unconscious is that part of you that does make life easy.

Its job is to take things off your plate and get them done without you needing to think about it. 

Basically it puts things on autopilot so you don’t have to think about them.

It makes sure that you keep breathing, and your heart keeps pumping. 

It also helps you make tying your shoelaces/driving a car/riding a pushbike so easy that you don’t have to think about that stuff anymore – once it’s been passed to your unconscious mind.

So simple mindset money hacks are also actually the ones that tend to be most effective… because they work WITH your unconscious rather than against it.

Today I’ve handpicked 3 really easy ways for you to clear your money blocks – that give you the biggest bang for your buck.

Because simple things are EASY TO REMEMBER, EASY TO PRACTICE and give you THE MOST PROGRESS – FAST!

Two things to understand before we go there:

NUMBER ONE: Have you heard the saying “cells that fire together wire together” or “cells out of sync fail to link”?

When you understand what those sayings really mean you can use them to your advantage, to really clear your money blocks, because those blocks are just recurring patterns of thought.

They’re beliefs that have become wired deeply into your unconscious; neural pathways firing automatically over and over and over again.

As you become aware of that, you can start to break those old patterns. And it’s simple to do.

Neural pathways strengthen if you keep using them. And when you stop using them, they weaken.

Here’s an analogy I like to use: Imagine there’s a path through the forest that connects two villages, and you’ve discovered this little path. It’s a handy shortcut so you keep using it. After a while some of your friends join you and the word gets out and more and more people use this shortcut. Eventually the Council gets wind of it and says, “Okay, we’re going to turn this into a proper foot path” and lays asphalt down. And eventually it actually becomes a road, perhaps even a four lane highway, because it keeps getting used.

Now imagine that something happens – for some reason that highway stops being used. The asphalt starts cracking. Plants and flowers start sprouting through, and over time everything breaks down and atrophies and reverts back to that beautiful forest it once was.

The same thing happens in your brain.

If you keep firing the same pathways they strengthen, they become the dominant thing that automatically fires without you thinking about it. And if you stop using those pathways, they start to atrophy – because the mind, the brain, the entire body is a really effective organism and it’s not going to keep nourishing and feeding and fueling and keeping something going that isn’t of any use to you.

So remembering that is really important in helping you understand why these three tips are so powerful.

The NUMBER TWO thing to understand is that you only have so much mental bandwidth on any given day.

There’s only so much your brain can focus on. You know this, because you get overwhelmed.

(This is why it’s important to turn off notifications on your phone and not look at it until you’ve done what you really need to do for yourself each morning).

We want to use that knowledge to create a “crowding-out effect”.

By crowding out the thing that’s NOT serving you with something that does serve you, you take advantage of the fact that there’s only so much of that resource to go around.

There’s only so much bandwidth.

And once you’ve taken it all up with something really positive and empowering there’s nothing left over for the negative unhelpful stuff.

So with these three tips, we’re going to take maximum advantage of both of these brain principles.

TIP NUMBER ONE: Crowd It Out.

All you need to do is notice the evidence of abundance of all the money you do have in your life and shift your focus more and more towards that – because what you focus on expands. 

Where attention goes energy flows. Cells that fire together wire together, right?

By constantly focusing on and looking for what is working, the money that is there, the abundance that is flowing, everything that is always working out for you, there’s no space and time to focus on the other stuff.

TIP NUMBER TWO: Amplify It!

In that moment where you’re noticing the evidence of abundance, the money’s rolled in, something wonderful happened, you want to punctuate it. Punctuate that abundance with what I call an “evidence mantra”.

Right in that moment where you’re noticing the evidence of abundance you’re going to punctuate it and amplify it by adding that evidence mantra, which can be something like “That’s right! And there’s plenty more where that came from!”

What this mantra does is it reinforces to yourself that money has arrived, that abundance is always there, that you expect more of it, and that this actually is a pattern you’re becoming aware of, a pattern that you’re starting to reinforce.

And this is how you hypnotize yourself into abundance rather than hypnotizing yourself into poverty.

Once you’ve put that evidence mantra out there, you might find that you want to keep going – and you totally can. You can say “…and this is only the beginning! This is just the tip of the iceberg. Money’s constantly flowing to me. I know that I always have money flowing to me. And yes, there are times when I worry about it, but then money just comes. Money is always continuing to flow to me.”

 And as you do that, you’re really getting into a kind of hypnotic rant where you’re reinforcing to yourself that abundance is a pattern that is actually dominant in your life.

These kinds of practices really help you move from a scarcity mindset to an abundance mindset.

So what will your evidence mantra be?

It can be anything from “That’s right, money’s always flowing to me,” or “Plenty more where that came from,” or “Money always magically shows up”. My students have many evidence mantras – and they all work, because they’re reinforcing what’s right in front of them, irrefutable proof, and it’s part of a pattern. 

TIP NUMBER THREE: Delay And Distract.

Clearing your money blocks is a process – and when you delay and distract it causes a pattern interrupt. 

It’s a way of starting to break down that old neural pathway by not going there just yet, and putting a little bit of a chink in that record.

So instead of directly going into an old pattern of thought, of action or activity, you catch yourself and notice that you’re about to do it. You just say “in a minute”. You basically delay, you say “not yet – in a minute”. And then you distract yourself for two minutes or more by doing something totally different. And this taps into the way your mind naturally works. It starts to break down those old neural pathways and really weaken that old pattern.

Have you noticed that none of these tips are about working directly on your money blocks?

That’s because if you go there, your tendency will be to reinforce them. And next thing, you will have inadvertently hypnotized yourself into believing that you have a really big problem that’s hard to overcome.

So going there and dealing with the money blocks themselves – you’re better off doing with the guidance of a professional.

But, in the meantime, a simple, easy and powerful way to really start making some progress and break down old patterns is to use those principles of crowding them out, of starting to atrophy the old pathways by using delay and distract, and reinforcing new patterns by giving them your focus, your energy, and amplifying them.

The reason your money mindset is such a big deal is ultimately it creates all these unconscious habits – it determines what you actually do with your money, what your money habits are.

Are you somebody who’s in the habit of always managing to save a little bit?

Or are you somebody who’s in the habit of always spending all their money, no matter how much comes in?

Or maybe you’re somebody who’s in the habit of always overextending themselves just a little bit (or a lot).

This is your Money Habit Archetype. It is your predominant habit pattern around money and it’s driven by an unconscious program.

So to help you discover what your money habit archetype is, and then to dive deeper and discover what’s driving your relationship with money and what that unconscious program actually is, I’ve created this really simple, handy quiz.

Find out what your money habit archetype is, then make sure you provide me with your email address because I will send you some really powerful questions specific to your money habit archetype that help you dive deeper and find out what those limiting beliefs are and the patterns that are driving it at the unconscious level.

The link is in today’s freebie section below, so go take that next & discover your Money Habit Archetype.

It’s time to embrace your unlimited potential, and it starts by taking the next step – discovering what those unconscious patterns are that are driving you.

And now you know exactly how to do that. 

See you next time, gorgeous!

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Rich Thinking vs Poor Thinking – and a hack for making the switch!

Rich Thinking vs Poor Thinking – and a hack for making the switch!

by | Apr 7, 2021 | Money Mindset

Let’s talk about rich thinking versus poor thinking.

This is really important because the difference between rich and poor really starts in the way that you think. 

So today I’m going to give you some examples of poor thinking, including some you may not even be aware of. And I’m also going to share with you a really simple tip to help you get out of any ‘poor people’ habits of thinking – so that you can start making the change and make ‘rich thinking’ your normal.

At my workshops and in my Magnetic Money program, I usually give people a long list of poverty, thoughts – examples of poor thinking. And I ask them to make a note of how many of those they believe, have ever believed, have ever thought or even have told others were true.

And you know what? Most people tick between 80 and 90% of the 50 different limiting negative poverty thoughts (examples of poor thinking) on that list! YIKES!!! 

When you consider that we think up to 80,000 thoughts a day, and most of them – like 95% of them – are totally unconscious, you start to realize what kind of poverty thoughts might be swarming around in there.

As a trained hypnotherapist, I’m really aware of just how much we constantly hypnotize ourselves and how much the world around us is constantly looking to hypnotize us. So our job is to choose selectively what kind of thoughts we allow in there in the first place – consciously – before they start becoming unconscious habits of thought.

It’s so critical that we catch this negative thinking – this poor thinking – early, because if you don’t, you really risk hypnotizing yourself into poverty.

Because thoughts that you keep thinking over and over again, they become unconscious patterns in your nervous system. They become beliefs. And then your beliefs all add up to make up your mindset. And all of that will build momentum. You end up getting what you expect.

You always get what you expect.

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That is the net outcome of Law of Attraction. All of these thoughts that are swirling around – that are on that same vibrational frequency – become unconscious belief systems. You don’t even realize you’re thinking them, but they’re constantly spinning and emitting a signal. And then the world will mirror that back to you.

 

So let’s have a look at some really common examples of poor thinking. And I want you to have a look and see how many of these you identify with, whether you’ve heard them or have said them, or believe them. Maybe in exactly the way I’m saying them – or some version thereof, or maybe it’s something your parents said – or was really similar to something your parents said – the message being the same that you heard growing up. We’re just going to cover 12. Let’s see how we go: 

 

  1. It takes money to make money. 
  2. Must be nice to be rich. 
  3. Rich people are bastards 
  4. Money doesn’t grow on trees.
    The rich get richer and the poor get poorer. 
  5. I’m not made of money. 
  6. Money is the root of all evil
  7. No pain, no gain. 
  8. The only way you’ll get anywhere is through hard work. 
  9. You can’t always get what you want. 
  10. Life’s not meant to be fair. 
  11. Life’s a bitch and then you die.

 

Let me know in the comments, which one of those examples of poor thinking really hits home for you?.

 

Now let’s look at a list of examples of rich thinking: 

  • The universe always has my back. 
  • There is an unlimited supply of abundance available to me. 
  • Opportunities are everywhere. 
  • I’m constantly attracting all the right people. 
  • I have so much value to offer. 
  • I love how people really appreciate my skills and talents. 
  • My money grows while I sleep. 
  • I’m a really good custodian of my money.

 

See how much more empowering these are?

The difference between rich thinking vs poor thinking is worlds apart.

The thing is, it’s not about cliched sounding beliefs because rich thinking versus poor thinking actually happens in all the little moments in life.

 

What happens when something breaks? 

What happens when you get an unexpected, big bill coming in? 

What happens when someone doesn’t pay you back or a client cancels? 

What are your default thoughts?

 

Just imagine for a moment that a friend asks you to catch up for dinner. But the thing is, they’re the kind of friend that always wants to go to the most expensive restaurants and order pretty much everything on the menu – including a really lovely, expensive bottle of wine – then expects you to go halves. 

 

What are your thoughts when that friend calls and suggests catching up? How do you feel about it? 

 

The thing is that rich thinking, it’s not about blowing the budget, but it’s about having the kinds of thoughts that demonstrate that you expect to live an abundant life. So we want to stop and interrupt that negative momentum from building.

 

Because if it builds too much momentum: 

Number one, you’re hypnotizing yourself even more into a poverty consciousness. 

And Number two, you’re going to start to emanate a stronger and more consistent signal of ‘there’s not enough – people take advantage – my money seems to just flow out – I’m not in control’ and all of that stuff.

 

And that signal will cause the universe to echo something similar back to you. It will bring you things that reflect that. So we want to put a stop to that negative thought process as early as possible, which means you need to pay attention. You need to be aware and then you need to be able to interrupt that pattern. And we’re going to do it using exactly that: A pattern interrupt.

Now, let me just quickly explain before we go through a demo. A pattern interrupt taps into the way your mind naturally works. 

 

You see willpower doesn’t work. 

 

If you say to yourself, “Oh no, I’m not going to have those negative thoughts. I’m not going to think about how that always makes me stress about money and think about that my phone bill is due tomorrow and I may have blown it all on a really expensive dinner, blah, blah, blah, blah, blah.” 

 

If you tell yourself that you’re not going to think about something it’s like telling yourself not to think about a pink elephant, because if I tell you not to think about a pink elephant, because whatever you do, the pink elephant is really not going to help our situation right here right now. So please do not think about the pink elephant. Just take that pink elephant right out of your mind. Thank you very much….

 

All you’re thinking about now is the pink elephant, right? So willpower doesn’t work. It works for a little while, but then it’s a ticking time bomb because what it does is it creates all this buildup and resistance where unconsciously you’re saying, “but I want to, but I really want to, I really, really, really want to.”

 

If you’ve ever tried to use willpower to stop smoking, to stop overeating – any habit really – you’ll know that it works for a little while, but then it usually ends badly.

 

So willpower doesn’t work because of the way your mind works. 

 

But a pattern interrupt absolutely works because it takes advantage of the way your mind works. 

 

So you’ve got this conscious mind, your thinking mind, and that’s pretty clever and a useful little tool. And then you have the unconscious mind, which is this amazing, amazing, super computer that processes billions of bits of information per second. So it’s kind of like having a shovel and a supercomputer. 

 

Your supercomputer is used to waiting for your conscious mind to catch up. 

 

So instead of saying, “No, no, no, I’m not going to have all those negative thoughts because they have repercussions…etc” Instead of saying, “No”, you say “In a minute, just give me a minute because I’m a bit slow. I need some time” And your unconscious mind will not rebel itat that – it’s used to waiting.

 

So a pattern interrupt is exactly that. You say “In a minute“, and then you distract yourself for at least two minutes. Go and do something totally different – scroll Facebook or Instagram. That’ll usually keep you busy for 15 to 20 minutes, right? 

 

So the pattern interrupt is about delaying and distracting. And what that does is it weakens that neural pathway, that automatic worry cycle that wants to kick in straight away. It weakens that. So it doesn’t automatically kick in as hard next time. And you’ll need to do it a few times over and over. But the really great news is that after those two minutes, even if you go back and you do the worrying thing, you’ve still weakened that automatic pattern in your nervous system. 

 

That’s all you need to do to really start to weaken those old habits of poor thinking. How cool is that? 

 

It’s not really that difficult to break down these old habits and start creating the changes you want. 

What you need is some self-awareness, someone to hold up a mirror and then to have a handy little tool that you can easily use. That’s all it takes.

 

 So are you starting to realize that you really do have some consistent patterns of poor thinking going on? Well, it’s time to break that cycle! And the good news is that you’re absolutely ready. You wouldn’t be here reading this, doing the research, finding tools and starting to become aware if you weren’t ready for the next step. 

 

So now it’s just a matter of really building on that awareness, making sure you have some really useful tools and that you know how to use them. So anytime you need, anytime you spot yourself, you know, succumbing to that negative thinking, you can pull out those tools to put an end to that pattern and turn things around.

 

Now to help you with that, I’ve developed a little system that is super simple and easy for you to use over and over again. It’s what I personally use. It’s what I use with my VIP’s. And it’s what I’ve developed based on years and years of experience. With the Money Blockbuster System, you get to sit down anytime you catch yourself in a bit of a cycle of negative thinking. It helps you quickly identify what that limiting belief is that is causing it and clear it. 

It even comes with hypnosis and invitations to join regular live group coaching sessions with me. If you want to check that out, just follow the link below and grab yourself the Money Blockbuster System.

It’s time to embrace your unlimited potential and you’re absolutely ready to take that next step.

xx Miriam

​

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How to organise money – 5 Golden Rules (that make it multiply)

How to organise money – 5 Golden Rules (that make it multiply)

by | Mar 31, 2021 | Money Management

Do you know how to organise money?

Today I’m going to give you the 5 Golden Rules for organising your money and show you how to set up a money system that allows your money to grow and multiply.

Plus, today’s freebie is a really cool free new resource I’ve created to help you calculate how much money you actually need to bring into your business.

It also helps you work out how to distribute that income so your money really goes to work for you.

See, over the years, I’ve literally sat with hundreds of people who laid out their finances in front of me, and some were really proud of how they were taking care of their money.

And some were totally embarrassed about what they were doing with their money.
They honestly had no idea how to organise money – and were really clueless on what to do with it. 

But, to me, it didn’t really matter.

The only thing I cared about is how would I help them achieve what they were looking to achieve – how would I help them achieve their goals?

And, with a few tweaks and some financial education, I’m happy to report that pretty much all of them got there, which is pretty cool, right?

So today I’m going to lay it all out for you.

I’m going to share with you the 5 Golden Rules for managing your money so that it actually grows and multiplies.

Because think about it – for every single dollar that grows and multiplies on its own, that’s less dollars that YOU have to go work for.

So, are you ready? Let’s get into it!

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GOLDEN RULE NUMBER 1:

Okay – the first Golden Rule for managing your money and setting up a money management system that actually allows your money to grow and multiply and that really works is to:

Base it on Reality.

So many people set up budgets and money systems based on nothing but theory They just hope to wing it.

The problem is that just doesn’t work. They have budget blowouts. There’s lots of things they’ve forgotten to allow for. And then they say, “Oh, my money system didn’t work.”

It’s only because they never based it on reality.

So before you set up your money system, look at what you’ve actually been spending, where the money is actually been going, and then use that information as the starting point for setting up your money management system.

GOLDEN RULE NUMBER 2:

Okay – the second Golden Rule for managing your money so it actually works is to:

Always Add Buffers. 

Buffers prevent blowouts.

Especially when you’re first getting started, you’re going to forget things.

There’s going to be unexpected expenses, blow outs, things you’ve forgotten about. And if you don’t allow buffers in your money system, then you’re going to say,” Oh, it doesn’t work.”

You know, “I blew the budget”.

But if you allow a really good, healthy buffer – especially in the beginning – then that allows you to keep learning, refining and improving your money system, and the buffer is there to absorb that, to allow for that. 

So always add buffers because buffers prevent blowouts.

GOLDEN RULE NUMBER 3:

The third Golden Rule for managing your money so it multiplies is to:

Use the Bucket System.

The bucket system is simply about dividing your money up by different purposes, into different buckets or pools of money.

It means that every dollar has a job to do.

Then you’re really clear on what’s money you NEED to spend versus money you WANT to spend and where it’s all located. 

It avoids confusion. It gives you clarity. And it also avoids vibrational wobbles.

GOLDEN RULE NUMBER 4:

The next Golden Rule for managing your money so it multiplies is to:

Make compound interest work for you, not against you.

Now, compound interest is an incredibly powerful effect that allows your money to kind of multiply and grow all on its own. Einstein actually called it the Eighth Wonder of the World.

When you’ve got investments, compound interest is working for you.

And when you’ve got debt, compound interest is working against you.

So you need to change and shift that equation from spiraling downwards into a debt spiral of compound interest and shift it to change upwards into an upward investment and wealth spiral of compound interest.

GOLDEN RULE NUMBER 5:

Now the fifth and final Golden Rule for managing your money so that it multiplies is to:

Know your magic number.

Now, before I explain what that is, I want to share a formula with you.

And this formula is the reason that most people don’t move forward financially. And what they basically do is they say: 

Income – Expenses = Savings.

What happens is they take their income, they take off all their expenses, pay all their bills, and then they try to save what’s left.

Now, what do you think happens?

Correct! Not usually a hell of a lot left!

So all you need to do to change things up and to change that into a formula that moves you forward financially and helps you multiply your money and your wealth is to switch it around a little bit and say:

Expenses + Savings + Income

So you need to get really clear on what your real expenses are.

Then you set a target for the savings that you need for growing your wealth. 

And that helps you decide what your income needs to be. 

And that is your magic number.

Then you now know what that magic number is. You know that level of income is going to help you move forward financially.

That magic number that’s going to help you pay all the bills and achieve your financial goals.

So that 5th golden rule is really, really key.

If you’d like to calculate your magic number, then make sure you grab my free Income Target Calculator. The link is below.

This calculator will help you work out how much you need to bring in to ensure all your bills are being paid and that you’re moving forward to reach your goals. 

With that calculator, you also get a bonus calculator to help you distribute your income as it comes in and ensure it’s going to all the right buckets.

It’s perfect for people with fluctuating incomes and you even get a handy video tutorial to go with it!

If you have any questions at all please just type them in the comments for me below. 

It’s time for you to embrace your unlimited potential and guess what? 

You are absolutely ready to take that next step.

Have an awesome day. Bye for now.

xx

GET YOUR INCOME TARGET CALCULATOR HERE:

Click To Get the Income Target Calculator

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How To Manifest Money And Success as a Soulful Woman in Business

How To Manifest Money And Success as a Soulful Woman in Business

by | Mar 24, 2021 | Money Manifesting

I’m going to give you the six key elements to help you manifest more success into your business – on your terms.

You’ll also discover a really simple and easy little trick that will help you decide whether anything you’re looking to do in your business is in alignment – or not.

When I first learned about the power of the mind, it was all really masculine and pushy stuff. You know, it was to write your goals, recite those affirmations, take action, stay accountable, write those goals again, keep going, keep pushing, keep going… it all felt really heavy and hard.

Over time I came across some teachers with a much more soulful approach and that started feeling really aligned and easy. And in fact it was because it felt easy that it took me so long to actually try that approach. But what I found when I actually went that way is that it actually WORKED!

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One of my favorite ever teachers and best buddies on the planet is Mike Dooley, whom I’m lucky enough to personally have worked with. He writes those amazing Notes From The Universe.

Mike has a really cool saying, which is “It’s always working”.
And what that is, is it’s a reminder that the magic of the Universe, that abundance that wants to consistently and constantly flow to you, is always there.

Law of Attraction is always switched ON.

So it means we don’t have to push, we don’t have to shove, and we don’t have to try to manipulate the Universe to manifest money and success. 

Our job actually is to get in alignment and allow ourselves to merge with that magic flow of life.

So let’s get into what these six key elements are to help you manifest what you really want as a soulful woman in business.

The #1 KEY to manifesting what you really want the aligned and soulful way is to do exactly what I just said:

Remember that manifesting is always working.

There is no OFF switch. That flow of abundance, that benevolence of the Universe, all that cool stuff is constantly looking to flow to you – and you get to choose whether you want. So you choose whether you make it easy by getting on board with how it all works or whether you make it hard.

The #2 KEY to manifesting what you really want the aligned and soulful way is to remember that feeling is the language of the Universe.

This is a vibrational Universe that we live in, so you can say and do whatever you want, but if you don’t FEEL worthy and deserving of it, then it’s going to be really hard for you to call it into your experience.

You can recite all the affirmations, take all the actions, speak to all the people, do all the cold calling or whatever it is that you’re doing and it will not get you very far if you’re not feeling worthy and expectant of it.

So expecting it to actually come to pass and believing that it will are key because the thought, the idea – that’s what connects you to that possibility, that event out in the quantum field. But it’s the feeling that attracts it. 

Thoughts connect. Feelings attract.

Next, you need to transform and release your limiting beliefs because your limiting beliefs are what get in the way. Your limiting beliefs block the flow.

It’s like you’re standing on the hose or turning off the tap.

So it’s really important – and it’s key to manifesting what you really want – that you get clear on your limiting beliefs and do what you need in order to release them.

Then your desire can turn to belief and expectation – and manifest for you.

The next KEY element is mindset.

Mindset is everything, because it’s your mindset and your commitment to your mindset that needs to be ironclad.

You need to make that commitment to constantly check in and to keep evolving and improving your mindset because, ultimately, that is what will decide whether you succeed in getting what you want – or not.

And as you do that, it’s really important to surround yourself with the right people. People who will celebrate that with you, who will encourage you on that journey, who will forgive you for sometimes slipping back but remind you what the real work is.

Because – especially in the beginning – as you go on this journey, you’re going to really need all the support you can get.

Just like a rocketship uses up most of its energy in the launch until it breaks through the atmosphere, you need all the support, all the commitment, all the focus you can get early on in the journey until shifting your mindset becomes a way of life.

Until it’s something you just do all the time – without getting too caught up on it. And in fact, you actually start getting excited about it the next time you have an opportunity to upgrade your mindset, because you know that the benefits that come out of it are massive.

Next KEY element: You’ve got to walk the talk, baby!

And this is the part that most people skip, and then they say “manifesting doesn’t work”.

But this is where the rubber meets the road. This is where you demonstrate what you truly expect by backing it up with action.

You need to make sure that you take action that’s demonstrating that you expect and believe the outcome will happen. Otherwise, you’re just one of those people who sits back, hoping the universe will deliver you what you want, but not wanting to to risk too much or put yourself out there too much.

That doesn’t work. It all needs to be in alignment. You need to walk the talk.

And when it comes to money one of the best ways to do that is to start taking charge of your money, start managing your money wisely, start building your money confidence, give every dollar a job to do, and really know how to take care of your money.

Because that builds your confidence. It creates a nice congruence in your vibration, and it shows both yourself, your unconscious mind and the Universe that you’re able to take care of money, that you know what to do with it, that you’re ready for more. And that you’re all set up for it, which means you’re actually EXPECTING it.

And the final KEY element to help you manifest more money and success as a soulful woman in business is:

Get a money mentor.

And not just any money mentor, but one who understands where you’re coming from, how you think, and who knows how to manifest money and success. 

Having a mentor is key because you’re moving into unchartered territory.

A mentor is going to help you spot your patterns.

They’re going to point them out to you. They’re going to see your blocks and make sure you don’t end up lost in the weeds. And that helps you stay on track so that you get results a hell of a lot faster (and so you don’t lose confidence along the way, thinking that maybe you’ve got it all wrong and it’s just not meant to be).

And it greatly, GREATLY shortcuts your journey to success.

The Magnetic Money Program helps you master all of the above and supports you on the journey.

So if you haven’t checked it out yet, check it out at the link below.

In Magnetic Money, you get me as your money mentor – LIVE.
I would love nothing more than to support you on this journey and help you manifest more money and success into your business.

Before I go, here’s my hot and really simple little tip to help you work out whether something you’re thinking of doing in your business is in alignment for you or not.

Have a little think about when things are in alignment… how does it feel?

It feels easy, right? It feels light. It feels like you’re just gooing with the flow. You don’t really have to push. It just kind of happens. It’s easy and light. And when something’s not in alignment for you, usually you feel like you’re having to plow through mud. It feels heavy and hard.

Let’s do this as a demo right now.

I want you to think about something that you’re considering, or maybe that something you’re thinking about taking on or something you’re thinking about ditching or something that you’re just not sure about.

So get clear on what that thing is, and now close your eyes and really imagine yourself doing that thing. 

Having implemented it, having committed to it, being there, whatever it looks like to let you know that that’s actually what’s happened. It’s ironclad. It’s done – there you are. 

And now ask yourself, ”Does that feel heavy or light?”

There you go. You have your answer. It’s that easy.

Big hugs,

xx Miriam

Never Worry About Money Again.

Master your money mindset, money management & money manifesting with the Magnetic Money Program:

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