When the money is never enough

When the money is never enough

by | Dec 14, 2022 | Money Mindset

“I never seem to have enough money”

This is what Linda wrote when she asked for my help.

So let’s talk about 2 simple tweaks she can make – that may seem counterintuitive – to help her:

  1. stop blowing the budget
  2. start feeling like there’s PLENTY of money!

And we won’t be talking about overspending and all the usual money-saving tips.

 

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Because what I’m actually going to show you is that she DOES have enough money already!

And that what’s mostly going on here is a MINDSET ISSUE, rather than a money issue.

But first, here’s what she actually wrote:

“I allocate and save my money and invest, and I don’t want to spend too much because I think if I spend more, there’ll be less to save. But somehow the money I allocate is just not enough. So I allocate a little more the next month, but it’s still not enough! Something always comes up and I have to spend more. It’s like I never have enough.”

So Linda, you’re obviously very careful with your money, which is a good thing. 

But it seems to me that it’s coming from a place of fear – which is not such a good thing.

Because our fears can become self-fulfilling prophecies.

Our fears are thoughts that have a lot of emotional power and our thoughts become things.

 

That’s why our deepest fears will often become our worst living nightmares.

 

And when we try really hard because we desperately want something, we inadvertently put an energy of desperation into it that kills the whole thing, creating the outcome we wanted to avoid – rather than the one we wanted.

 

And so the harder you try, the worse it gets.

 

Let’s use DATING as an analogy:

If you go on a date and you’re way too worried what the other person will think of you, desperately wanting them to like you, you’ll likely be trying way too hard.

You might even dress differently, tell jokes that make you cringe and generally have a smell of desperation about you. And that is going to be off-putting for the other person.

Afterwards, you might feel disappointed and think, “See, they didn’t like me!” But it’s not that they didn’t like you. It’s just that they didn’t like the energy you brought.

And if you’d just relaxed and been yourself, they might have REALLY liked you!

So let’s take a step back & ask, “WHY are you wanting the savings? What are you trying to accomplish?”

I know you want the money in the bank, financial freedom, independence and all that. But if you dig a little deeper, you’ll probably find that what you’re truly seeking is to FEEL SAFE.

But the problem is that when you’re driven by a fear of not being safe, chances are you’ll never feel safe & it’ll never be enough.

You’ll have more money and savings, but it STILL will feel like not enough.

 

Because the thing is, you ARE saving!

 

You said, “I put money aside to save and invest, but then what I leave for myself is never enough.”

 

And so I want you to notice that you’re not acknowledging the fact that you ARE saving and you ARE moving forward financially. 

 

You’re simply being a bit too stingy with yourself, not leaving enough spending money and that leads to budget blowouts. And this makes you FEEL like you’re failing and not saving.

 

It becomes a self-fulfilling prophecy!

 

You even wrote it to me! You wrote, “It’s like I never have enough.” You clearly stated your limiting belief. You’re so connected to it that you’re constantly creating it.

 

But if you’re honest with yourself, it’s not actually true!

 

Because you are saving, you are investing, you are moving forward financially.

 

So the thing to recognize here is that this is not so much a money issue, but more of a MINDSET issue.

 

So that’s Linda. But what about YOU?

What limiting beliefs and fears have become self-fulfilling prophecies for you? 

Let me know in the comments below!

 

So Linda, you are saving, you are investing, you do actually have enough.

But your fear of not having enough makes you FEEL like it’s never enough AND is making you be way too stingy with yourself so that you keep blowing the budget.

 

You’re literally creating situations that prove that limiting belief to you where unexpected bills and expenses gobble up your extra money.

 

So if we start with the premise that you DO have enough, we can make some tweaks to change both your perception and your experience.

 

So you can avoid the budget blowouts and change the way you feel about your money.

 

I’m recommending a two-pronged approach:

 

NUMBER 1: Stop being stingy with yourself!

The very first thing I want you to do is to give yourself MORE spending money.

 

Because the problem is you’re being too stingy with yourself and not basing your budget on reality. And so you keep blowing the budget, making you feel like you’re failing.

 

But that only lowers your vibration and reinforces that limiting belief. And it definitely doesn’t help make you magnetic to more. In fact, it will turn you into a magnet for MORE bills and unexpected emergencies that gobble up your money.


(You described this in your letter. “…even though I give myself more money the next month, it still all disappears!”)

 

This tells me two things:

  1. You’re not basing the amount of money you’re giving yourself on reality.
  2. You keep creating more bills, more emergencies to gobble up that spare money to prove yur limiting belief back to you (self-fulfilling prophecy).

 

NUMBER 2: Change your language

The second thing I want you to do is to change your language.

 

Start showing yourself – and reinforcing to yourself – that you do have enough.

When you pay bills, when you put money into your savings and your investments, reinforce that to yourself and use hypnotic language! Tell yourself “That’s right! See.. I do have enough. There is plenty. Look at me go. I’m doing so well.”

 

And as you do that, you prove to yourself in that very moment that the thing you want so much is actually happening!

 

To succeed financially in the long term, you’ll need to take a more realistic and strategic approach based on reality rather than on emotion.

 

This will help accelerate your savings and allow you to realise that there is plenty.

Most importantly – it will allow you to feel SAFE (Because remember, that’s where all the trouble started?)

 

I hope these tips have been helpful to you (& to Linda)!

And if you’re thinking. “Yes, but I still have debt. So where do I start? Save or pay off debt?”, then the episode linked below is where you want to go next.

 

PS: Is there a money issue you’d love my help with? Simply subscribe to my newsletter HERE and respond to my next call-out!

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5 UNEXPECTED money habits that make you rich

5 UNEXPECTED money habits that make you rich

by | Nov 30, 2022 | Money Mindset

Let’s talk about 5 unexpected money habits that will make you richer.

But we won’t be talking about writing your goals, getting up early or even the importance of being frugal investing & saving.

Instead, we’ll cover 5 unexpected money habits that will shift your internal state which will translate to more money in the bank.

Because THIS is the real reason the rich get richer. It’s not because they’re already rich, but because they already FEEL and THINK that they’re rich.

 

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We’ll cover 5 habits that will make you richer inside and out. The 5th one is the most important one as it supercharges the rest.

I’ll also give you a super simple practical way you can check in with yourself to help fast-track your wealth.

Let’s start by asking: 

  •   Why do you want the money?
  •   How much do you want?
  •   And how much is enough?
  •   What will you do with it?
  •   And why is that important to you?

As you dig into your reasons for wanting more money, you’ll end up realizing that what you ultimately want is a FEELING.

You want to feel abundant, rich, free to make choices, to be master of your universe.

Abundance is a feeling.

You can be rich in terms of assets and money in the bank – or you can be rich in terms of how you feel internally.

And the two don’t necessarily go together!

There are plenty of people who have loads of money and still don’t feel rich.

They still worry about & stress about money.

And this internal feeling of poverty makes them continue chasing more and more money externally. But unfortunately, it never feels like enough.

So we’re going to be talking about the OPPOSITE of that, because we want you to be rich inside and out.

Because feeling abundant is an inside job.

And the beautiful thing is that the more abundant and rich you feel internally, the more money and cool stuff you’ll end up having in your external life.

Because as you start to think and feel more abundant and like you are already rich – as you EXPECT to be rich – you’ll start to talk, walk and do things differently.

You’ll start acting like a rich person.

This is why the rich get richer!

The rich don’t get richer just because they already have money to leverage.

The rich get richer because they THINK like the rich, they EXPECT to be rich, they DO the things that rich people do.

They show up in ways that say, “I expect to be successful. I have plenty of money, I’m loving it and I expect to have plenty more.”

How cool is it to think that you can have what you REALLY want right now?

Because you can choose to start feeling abundant right here, right now.

And as you start to feel richer and more abundant internally, it’s going to change the way you show up. It’s going to change the way you think, the way you feel, the way you approach life. It’ll change the choices and decisions you make.

And that’s going to have a massive effect on the results you get. 

And this in turn helps reinforce that feeling and thinking of, “Yes, of course. I have it sorted. I am rich, I am wealthy, I am abundant. Things always work out for me.”

And so it becomes this beautiful self-fulfilling prophecy that gathers its own momentum.

So let’s cover these 5 habits & then I’ll give you that practical tip.

No.1: Pay your bills with gratitude.

You can literally have a bill paying party. You can light candles, play music, whatever you like. But most importantly, when you pay your bills, make sure you’re in a really positive frame of mind.

Send gratitude for the services you received in exchange for those bills, for having the money to pay them and for the fact that these people know you’re abundant enough to pay.

When you sit down and you pay your bills from this space – rather than a place of begrudgingly handing over your money – it changes everything.

It reinforces to your unconscious mind that you do have the money and that you’re getting plenty of cool things in return for that money.

 

No.2: Spend with joy!

When you’re spending money, do it from a place of joy.

Be really grateful and happy about the things you’re buying. And have dedicated fun money that you can spend with gratitude – free of worry or guilt that something else is missing out.

Make sure you are really present, really conscious, and that you plan in advance what cool fun things you’re going to be doing with this money.

Again, it helps reinforce that you are this beautiful, abundant person who’s got plenty of money.

When you spend money with joy, feeling rich and abundant, loving what you’re getting in return, it uplevels your inner state of abundance.

And that makes you magnetic to more.

 

No.3: Celebrate the evidence!

When money comes in, celebrate it! Stop and acknowledge it and don’t discount it.

So many people will discount their money, thinking ‘it doesn’t count’ because they were expecting it or it was owed to them or because it’s not enough.

But when you do that, you’re telling your money that it’s not important and you downgrade your abundance vibe, rather than taking this amazing opportunity to say, “YES! There it is! Money flowing to me right here, right now! I’m so abundant!”

Whether it’s 1 cent, 10 cents or $10million dollars, it’s still the energy of money showing up in your life. And the more you acknowledge, celebrate and welcome it with open arms, treating it as EVIDENCE of your abundance, the more will flow.

Let’s press pause & check in:

Is this easy or what?  Let me know in the comments below that you KNOW you can do this!

But the key is to get into the HABIT of doing these things!

A habit is something you keep doing over and over and over, until it’s totally second nature.

But you want to make sure you get into the RIGHT habits. And that’s why the fifth one  we’re going to cover is by far the most important one.

But first, let’s talk about the fourth unexpected money habit that will help you get rich.

 

No.4: Say no from a place of empowerment!

When you say no to spending money, when you say no to expenses, when you say no to going out to another fancy dinner with your friends, or joining them on am expensive holiday – because YOU are busy focusing on another financial goal right now – do it from a place of empowerment!

Do it from a place of “I’ve got a plan and I’m sticking to it. I’m not going to anything derail me.”

This is when you can say no to spending money from a place that feels really good.

And this, of course, helps you feel richer, more in control of your money, more abundant and like you’ve got it all covered.

And that uplevels your mindset and energy, which makes you magnetic to more.

How cool is that?

Before we move onto No.5, let me reiterate what I hope you’ve picked up on by now.

These habits are about you learning to FEEL rich and abundant right now – rather than chasing the external money and abundance.

It’s about shifting your energy from desperately pulling at something and trying to get rich (which just reinforces the lack of it) to chilling out, enjoying where you are and being excited about more to come.

It’s about starting to allow yourself to feel rich and abundant right here, right now.

This completely changes your energy and helps you become magnetic to more. And THAT is what helps you get rich!

And this is why this 5th money habit to help you get rich is so important…

Because I bet you’ve been busily taking notes so that you can do these things to become richer.

Which means that you are still TRYING to get rich! You’re prepared to do the things we just talked about – but only because they’ll help you get richer.

But this is why the fifth money habit is the most critical one.

 

No.5: Decide that you’re ALREADY rich!

You don’t want to do anything to try and get rich (other than of course being smart with your business strategy and how you manage your money).

But in terms of the way you show up, don’t do it with an ulterior motive.

  •  Pay your bills with gratitude because you are grateful.
  •  Spend with joy because it is a joy to spend.
  •  Say no from a place of empowerment because you are empowered.
  •  Celebrate the evidence because it is evidence of your abundance.

 

Remember, the world on the outside of you is just a reflection of what’s going on inside of you.

The world is your mirror.

 

When you look in the mirror of the world around you, do you like what you see?

  •  Do you see an abundant version of you?
  •  Do you see a life that’s a reflection of your internal abundance?

 

Abundance is a State Of Being.

It’s not until we can BECOME a more abundant version of ourselves, until we can transform and uplevel our mindset, our energy, our habits, that we can have that more consistent level of physical abundance in our life.

 

(If that’s something you want to learn more about, then join my Ultimate Money Masterclass. You’ll find the link below)

Before you go, let me share a practical tip to help you accelerate and fast track your wealth.

Stop for a moment, put down your pen or anything in your hands, take a deep breath in and take a moment to check in with yourself.

How rich and abundant do you feel right here, right now? If you had to put a dollar figure on it, what number comes to mind?

And THAT tells you exactly how you’re doing!

Because if you’re feeling rich and abundant, right here, right now, THAT is what you’re in the process of creating and attracting!

And if you’re feeling like there’s not quite enough in the bank and there’s a sense of lack and limitation internally, THAT is what the world will mirror back to you.

It’s a quick way to get a little heads up so you can do something about it.

The better you get at checking in with yourself, knowing where you are at (and being honest with yourself), the more you’ll be able to fast track your wealth.

This is why the very first key we cover in Magnetic MoneyÂŽ is #NOTICE.

It’s all about self-awareness.

We notice the things we’re doing, how we’re feeling, what we’re saying, and the thoughts that are spinning through our minds. 

And the more we become self-aware and practice using the tools at our disposal, the more we can uplevel our internal state to become a more abundant version of ourselves.

And this will be reflected back by our external world.

Now, if feeling rich and abundant – regardless of how much is in the bank right now – feels a little too challenging, then you probably have some old money stories & limiting beliefs going on.

This can keep you stuck in a Catch 22 where you can’t feel rich and abundant until there’s more money in the bank. And until you feel more abundant, the money can’t flow.

 

If that’s going on for you, then check out the episode linked below, because it will help you figure out what those old money story and limiting beliefs are.

See you there!

xx Miriam

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Manifest faster by ditching this instant manifestation killer

Manifest faster by ditching this instant manifestation killer

by | Nov 16, 2022 | Law Of Attraction

Are your manifestations taking way too long?

Like, the more you try, the longer slower things seem to progress?
It’s SOOOO frustrating! (feels a bit like when you want a cuddle with your cat but they just show you their butt hole…)

Today we’ll cover 3 things to help you manifest faster.

We’ll talk about the instant manifestation killer – that I bet you’re doing without even realising it!
AND I’ll share my favorite neuroscience hack to help you manifest faster.

 

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You know that old saying ‘a watched kettle never boils’?
Well, there’s a lot of wisdom in that. In fact, there’s a lot of neuroscience in that!

It refers to what’s known as the ‘Law of Reversed Effort’ or the Backwards Law’. That’s when your mind is constantly reinforcing the lack of what you want to you.

✔️ It’s watching the kettle that never boils.
✔️ Trying to sleep and only feeling more awake.
✔️ Trying not to stutter… and it only gets worse.
✔️ Trying to enjoy yourself and your social anxiety ramping up instead.


You get so focused on the thing you desperately want, that you end up getting in the way!

(And honestly, I don’t know how my cat knows about this, but every time I want a cuddle, I get her bum in my face. But then at 4am, she sits on top of me, starts licking my face & nibbling my ears)

I once worked with a woman who desperately wanted to get pregnant. She did numerous rounds of IVF and spent all her savings. It was all consuming. Eventually she has to give up. By then, she was such a stressed out mess that she and her husband sold their house, quit their jobs and went traveling.

And guess what? 2 months into their trip she emailed to say she was pregnant!

This is what happens!
You try and try and try… and it only gets worse.

Then you back away, ready to give up and hey, presto!
Here’s the thing you’ve been so desperately wanting all this time.

(Has this happened to you? Share your stories with me in the comments!)

So Number 1: The harder you try, the more you get in your own way

A big reason for that is the second thing we’re about to cover:

You can’t walk around in the sun all day, then complain that you got burnt because you weren’t ‘tanning,’ right?

You can’t say ‘I’m only tanning when I’m lying on a sunlounge in my bikini’

If you spend too much time in the sun, whatever your intention might be, you will get sunburnt.

It’s the same with Law of Attraction and manifestation. There is no off switch!

I constantly hear people say, “I’m manifesting <insert thing> now.”
What were you doing before? Because you’re always manifesting SOMETHING –  you can’t turn it off.

This process of thoughts becoming things and things coming into our experience is an ever present flow. We play our part with our thoughts, words, beliefs and actions. And we can’t just turn that off and say, “Now I’m in it. Now I’m not.”

You’re always doing it. It’s just a matter of WHAT you’re doing with it.

It’s the same with ‘killing time’. There’s no such thing. You can’t make time disappear – you can only not use it well.

If you have an honest look at what you’re doing most of the time in this process of cause and effect – where you are then CAUSE and your life is the effect – you’ll probably have to admit that a lot of the time you’re not being very cooperative to the outcome you want.

Because I bet that – like most people – a lot of the time you’re COMPLAINING.

Complaining that it’s taking too long, complaining that it’s too hard, complaining that it’s still not happening.

So your energy, your output is going in the OPPOSITE direction to where you SAY you want it to go.

This is the real issue!

It’s not that Law of Attraction doesn’t work, or manifesting isn’t happening or not happening fast enough.

The REAL ISSUE is that you’re getting in the way because your ATTENTION is all over the place!

You’re like a rabbit on crack with ADD. And every little thing is getting your attention and taking you away from being consistently in alignment with the outcome you desire.

You’re never in alignment long enough for your manifestation to gather momentum and pop!

So your job in this process is to keep your attention on track. To keep your energy, your thoughts, your beliefs, your emotions, your words, and your actions CONGRUENT and CONSISTENTLY in ALIGNMENT with the outcome you want.

Because manifesting is always working. Law of Attraction is always ‘ON’.

All that’s going ‘wrong’ is that you’re not consistently in alignment.. that you’re not being a helpful, cooperative component to the outcome you desire.

It’s all about YOUR attention and the focus of YOUR energy.

So how do we keep your attention on the DESIRED OUTCOME, rather than the lack of it?

Here’s my favorite hack to help keep your focus and your attention on what you want:

In Magnetic Money™️, we actually have an entire module on this, but I’ll just give you the headline here.

Focus on any shred of EVIDENCE of the outcome you’re looking for!
Anything that resembles it, that’s a stepping stone along the way or an advance preview of it.

You want to get excited and focus on all those things!
We have limited bandwidth, so as you mainly focus on the evidence, your brain won’t have the capacity to continue focusing on the lack. And THAT is exactly why this hack works!

Here’s a bonus tip for you:

Reinforce the evidence to yourself with an ‘Evidence Mantra’.

This is NOT an affirmation! Evidence mantras work because you use them in the moment – when the evidence is right in front of you!

A hot tip is to start with the words ‘That’s Right!’ which is a hypnotic term.

So say something like, “That’s right, it is working. People are always booking in for sessions with me!” Say it in the moment to literally reinforce what you just experienced to yourself.

Which brings us to a great question:

What should you do – and not do – to manifest what you want faster, but without getting in the way?

How do you strike the balance between action that helps and action that hinders?

Well, that’s what the next episode is all about!

It’s linked for you below so jump on that next.

xx Miriam

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Got a money guilt complex? Read This!

Got a money guilt complex? Read This!

by | Nov 9, 2022 | Money Mindset

Do you find yourself at dinner with friends and feel like you’re the only one worrying about the bill?

Do you enviously see other women booking into spa days … while you’re squeezing the last bit of face cream out of a tube you bought 2 years ago?

Or maybe you LOVE to spend money – as long as it’s on OTHERS & not on you..?

No matter how it shows up, a money guilt complex is no fun.

But although it can feel really isolating, I want you to know:

You are NOT alone!

Here’s how others have described it:

I feel bad just for wanting to spend money on makeup and look after myself.

I happily invest in the stock market, but I’m too afraid to spend any cash on myself. 

I’ve been frugal for years and just realized what an unhealthy relationship I have with money.

I had a bad experience with money in the past. And even though I’m financially okay now, I’m still afraid to spend.

I’m afraid to buy a designer handbag I’ve been saving for – but meanwhile, I bought six other bags and spent more money in the process!

These are common stories. …  Always saving for the next thing. Afraid to spend money… not knowing why.

In this episode, we’ll give you some insight into what causes this – so you can change it.
And I’ll share my favorite HACK to liberate you from money guilt FAST.

But first – let’s talk about where this guilt complex & fear of spending comes from.

 

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​Let’s talk about the power of stories:

Stories are powerful. Humans have shared information through stories since the dawn of time.
And stories are HYPNOTIC! We hypnotise each other (& ourselves) with the stories we tell.

But do you remember some of the stupid stories your parents told you as a kid?
I noticed a lot of them were about our eyes:

  • Reading in the dark is bad for your eyes.
  • Sitting too close to the TV is bad for your eyes. 
  • If you don’t eat your carrots, it’s bad for your eyes
  • If you cross your eyes, they might get stuck like that. 
  • And if you keep your eyes open while sneezing, your eyeballs might pop out. 

A rather disproportionate level of concern for the welfare of our eyes, I think…..

And there’s more:

  • Cracking your knuckles will give you arthritis. 
  • Swallowed gum takes seven years to digest. 
  • Swim after eating & you’ll drown. (I would’ve drowned so many times by now!)
  • Swallow watermelon seeds and one will grow in your stomach. 

And of course everybody’s favorite:  Santa knows if you’ve been naughty or nice!

You’ll notice these stories are about trying to control our behaviour through fear.

As children, we believed them and fell in line. As we grew up, we realized they were just stories and not true.

But ask yourself:
“If I still believed those stories I was told as a kid, what would my life be like?”

Stories are powerful and hypnotic. And what’s even more powerful is the UNCONSCIOUS STORIES we pick up through what we hear, see & experience.

If we see our parents stressed and worried about money, constantly tired from working too hard, we tell ourselves a story and we start to believe it.

You take on unconscious stories about your parents’ experiences… or YOUR PERCEPTION of their experience.

So your job is to make sense of what’s true and what’s not true – what’s resourceful and what’s not resourceful – what’s going to help you in life – and what’s going to hinder and hold you back.

If your parents told you there’s monsters under the bed, will you let it ruin your sleep for the rest of your life?

As we start to recognize the stories that our parents told us, it’s important to bring a sense of compassion.

Because they were mostly trying to keep us safe. They passed on stories they believed or that were based on their experience. They meant well and they were trapped in their own stories.

When you recognize that it was just THEIR story, you can liberate yourself and decide to tell a new story.

Take a minute and think about some of the money stories your parents told you – or that you took on based on what you saw or heard.

  • What did you OBSERVE your parents do? 
  • How did you HEAR your parents say about money?
  • And what did TELL YOU about money?

Here are some MONEY STORIES I was told:

Do you think we’re rich?
Money doesn’t grow on trees.
You’ve gotta have money to make money.
Must be nice for rich people.
I wonder what they did to get THAT?? <insert suspicious look>

As you look at the  things your parents told you about money, you’ll recognize THEIR fear, THEIR guilt.

Maybe they told you not to be too greedy because when you asked for something, it triggered their fear and lack mentality. Maybe they felt bad for not being able to provide it and just wanted to make you stop asking, so they told you “Don’t be greedy!”

So none of it is REALLY about the money… it’s mostly about feeling safe!

This is why compassion and forgiveness will heal your old money stories – yours and theirs. 

But there’s more to it than just ditching money guilt & feeling ok about spending money on yourself.

Because not only do these old money stories make you feel bad and stop you from spending money that you’d really like to spend…

They also BLOCK your flow of abundance!

Because if you believe that money’s bad and that it’s not okay to want more, you will unconsciously block money from flowing to you.

But it gets worse, because:
If you stop money from flowing OUT, you’re also blocking more money from flowing IN!

Just like blocking the OUTLET of a hose stops more from flowing through the INLET, by being unwilling to spend money, you’re blocking more from flowing to you.

Which means you need to expand your comfort zone around spending money.

An easy way is to use token gestures:

Next time you go shopping, don’t compare which toilet paper is cheaper – just buy the one you want.
Go to the deli counter and buy the cheese you like – not the one on sale.

Little token gestures like this make a HUGE difference because they disrupt neural pathways.
Token gestures help you start to create a new story and expand your comfort zone around abundance.
They challenge old stories, which starts to break them down.

This is a muscle you need to exercise.

A great place to start is to decide what you want your new story to be.

If you were telling a story about money & abundance to your child, what would you want to say?

What story would you want them to take forward through life?

Gift yourself that saME story!

Tell yourself a story that’ll EMPOWER YOU, that opens you up to possibilities and makes you feel more abundant – right here, right now. 

Because YOU get to choose your story!

Here’s a hack that will help you wire that new story in faster:

Look for EVIDENCE of the new story being true!

The more you look, the more you’ll find. And that will help reinforce the new story and wire it in faster & deeper. It will help your conscious & unconscious minds to get on board with the new story faster.

Now of course you still want to save money, right? But WITHOUT feeling guilty…

So it’s important to find a happy balance between being smart with money – and having an abundance mindset. You want to be thrifty, but you want it to feel empowering.
And you want to feel GOOD about spending money on yourself – when you choose to.

That’s what the episodes linked below are all about. So be sure to check those out next.

And in the meantime, find out what your Money Habit Archetype is! You can TAKE THE QUIZ HERE. 

That will help you uncover more of those old money stories.

Enjoy!


xx Miriam

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How to take control of your money in 5min a week! (A Simple Personal Finance System for Business Owners)

How to take control of your money in 5min a week! (A Simple Personal Finance System for Business Owners)

by | Nov 2, 2022 | Money Management

When I was a kid, I desperately wanted a horse.

And my parents desperately wanted me NOT to have a horse! Because they knew that a horse was a major commitment. It meant early mornings and expenses – and a major effect on our lifestyle and freedom.

In the end we settled on riding lessons – because we realized that what I really wanted was to RIDE a horse! (I didn’t really want to get up at 5am every morning to shovel poop)

And I think this is why a lot of people will avoid setting up a money system.

They think that in order to RIDE a horse, they need to OWN the horse – and commit to all that goes with it.

You want to take control of your money.

Because you want financial freedom and stability. You WANT to achieve your goals. You WANT not to worry about the bills all the time.

But you THINK that in order to achieve that, it has to be this restrictive thing, where you have to micro-manage every dollar and miss out on fun stuff.

But what if I told you that’s simply not true?

 

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That a GREAT money system will give you all the freedom & financial stability you crave – WITHOUT missing out on anything or having to micro-manage your money?

In fact, with the Magnetic Money™ System, it takes me less than 5 minutes a week to manage ALL my money!

That’s less time than it takes me to make my oats in the morning!

Not only does it only take five minutes a week to know it’s all sorted – but it’s given our family the most amazing benefits, including:

–        Being totally fine during a period of 6 months with NO income – because we had buffers and minimal debt as a result of implementing our money system. The drop in income didn’t affect our lifestyle at all!

–        Paying off $70,000 worth of credit cards in just 7 months! This happened right after we committed to our money system!

–        Buying a beachfront apartment that’s now an amazing source of income and a fabulous place to get away to for a few days.

As a business owner, knowing how to manage your finances is about more than just doing the books. It’s about knowing how to manage your business finances AND your personal money.

It’s about having a holistic system so your business is looked after and so YOU are looked after.

Before I developed the Magnetic Money™ system, my accountant would pat me on the back, telling me how well my business was doing. But meanwhile, I was stressed to the eyeballs because my personal finances were a mess!

I simply couldn’t find a system that covered both my personal and business money and allowed for irregular income and a business that was still finding its feet. So I created my own.

And I had one rule:

Managing my money can’t take longer than making my oats in the morning. (which is about 5 minutes)

So let me talk you through my ‘instant oats’ 5-minute income distribution process:


STEP 1:

When I make my oats, I get all my ingredients and toppings out first. I gather everything I need.

And it’s the same with my money. The first thing I do is to get out my tools – my smartphone, my A5 notepad and a pen. And then I tally my income for the week.

So that’s the first step – getting everything together.


NEXT:

When I make my oatmeal, I like to sprinkle on seeds and throw in some blueberries. And these need to be proportionate to the amount of oats I have in the pan.

Now when it comes to managing your money, your income fluctuates. And that means your tax amount will be a little bit different each time. So the amount of tax money you set aside needs to be PROPORTIONATE to your income.

The easiest way to do that is by using a set percentage. Decide on a percentage by talking to your accountant or refer to your last tax return – then apply that to your weekly income.

That’s step number 2. Knowing how much tax to set aside.

Side Note:

A lot of people avoid organizing their money because of fluctuating income.They think, “Yeah, but what if I don’t make enough money next week – then what??”

But you need to understand that it’s only when you pay attention to your cash flow, that you can SMOOTH it.  And THAT is the secret to maintaining your lifestyle!

You will have irregular income. And to maintain your lifestyle you need CONSISTENT amounts of money available – so you can do what you want – no matter whether you’re having a big income week, or a smaller one.

The key to having that consistent amount of money available is to smooth your cash flow as much as possible. Even though it may arrive in irregular amounts, you put it through a process that averages it out, so you always have the money you want & need available.

So if you’re someone who’s been avoiding proactively managing your money because of irregular cashflow, it’s time to recognize that PROACTIVELY managing your money will actually ALLEVIATE that problem!

And THIS is when you get to enjoy peace of mind and a deeper knowing that it’s all sorted.

THIS is financial stability!

And this is what raises your vibration, makes you feel great about money and your business and magnetic to so much more! Which means you’ll have even MORE money to play with! 😊

And this is why after the 10 seconds it takes me to calculate my tax for the week, I have a quick look to see if I’m in shortfall.

 

Have I brought in less than I need to? If so, I note that down.

It’s the same as noticing that I’m running low on cinnamon or maple syrup. I write it on my shopping list so I don’t run out and can continue to enjoy my favorite breakfast every morning.

What’s your favorite breakfast? Let me know in the comments!

And by the way – how easy is this so far?

I actually think this takes LESS time than making my oats!

 

Ok, let’s move on to the final step:

Pull out your smartphone and make a couple of transfers.

Transfer that tax money into your tax account and pay yourself. That’s it!

You can do a couple of quick banking transfers. You do it all the time, right?

This is how EASY it is to keep your money system on track so that you get to enjoy financial stability and reap massive rewards – just like we did.


When you’ve got a great system in place, you can trust it.

All you need to do is show up each week & go through the 5-minute process.

Of course, you will need to know exactly what those amounts to transfer are.

And that’s why I recommend you read THIS EPISODE next, because it covers the 5 critical elements that will ensure you’ll achieve your financial goals WITHOUT feeling like you’re missing out on a damn thing. 😊

See you over there!

xx Miriam

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