How to get on top of debt once and for all

How to get on top of debt once and for all

Hello beautiful,

It’s Miriam Castilla here and welcome back to the Manifesting Playground for Soulful Women in Business – the place where we practice the art & science of Effectology to help you marry the magical with the practical so you can have more money and more time, the easy way – without all the extra hustle!

Today we’re going to talk about what’s going on when you just can’t get ahead on your debts and what to do about it.

So I’m talking about debts, mainly credit card debt, that kind of thing, maybe car loans – consumer debts – and it’s really crippling stuff and can just hang around forever and ever and ever and it seems like you never make any headway on it.

Now, what’s important to realize is that these kinds of debts are really expensive with interest rates of 20 to 22% – sometimes even higher – on them which means you’re paying that much more on that thing you paid for it and so if it was a bargain and on sale that’s why you put it on your credit card, think again because you’re actually paying 20% more for that thing!

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So it’s a really expensive debt and you’re being charged interest on interest on interest as time goes on. That’s the power of compound interest which can set you financially free if it’s working in your favor. Here it’s actually working against you and so that’s why it feels like you just can’t get on top of it because interest is growing and then it’s interest on interest on interest. And so it’s like I talk about having money babies by using compound interest in your favor – this is the opposite of that, right? And so you need to be aware of that.

So we want to get rid of that thing.

Now the issue for most people is that they’re really just kind of making their minimum payments – sometimes a little bit extra but there’s no real system and there’s no real focus and the power of focus is what’s going to set you free.

So i’ll give you an example:

We all use the 60-watt lightbulbs around our house, most people use 60-watters. Now they are just a little bit ambient light, a little bit hot if it’s been on for a while, nothing really too powerful. Now the reason that even though there’s quite a bit of power there, they’re really harmless is because the light just kind of sprays in all directions, there is no focus. Now if you took all those lightwaves and you actually got them to be congruent which means focused, all parallel and all inline and pointing at the one thing, you could actually cut (with the same amount of wattage) through steel!

That is the power of focus. And your mind is a really powerful focusing mechanism and money and compound interest also benefits from this power of focus.

So all you need to start doing is actually focusing in and getting a little bit of a system in place. Paying off one debt strategically with a plan and really focusing on it and then moving on to the next one and the next one and the next one, but the difference is that you have a plan and your focus is almighty.

Now, if you’d like to get started on that I have an awesome freebie for you. It’s my debt elimination planner. This is actually the same process that I teach in the Magnetic Money program and you can take yourself through it and get started right now. The link to grab it, totally free, is in the show notes right here so grab yourself that and have an awesome time with it.

Enjoy the power of focus, watch your debt just domino and disappear and until next time, keep on embracing your beautiful, unlimited potential.

Bye!

READY TO GO DEEPER?

Download the free Debt Elimination Planner now & watch your debts start to tumble!

Why there’s no money left after you pay the bills

Why there’s no money left after you pay the bills

Hi beautiful,

I’m Miriam Castilla and welcome to the Manifesting Playground for Soulful Women in Business – the place where we practice the art & science of Effectology to help you marry the magical with the practical so you can have more money and more time, the easy way – without all the extra hustle!

Today we’re going to talk about what is going on when week after week, month after month there is no money left for you after you’ve paid the bills. It’s frustrating, right? And it’s annoying and it’s also a bit scary.

So what is going on there?

Well, I’m going to cut straight to the chase and tell you what’s going on and that is that you’ve got the formula backwards.

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Let me explain – there’s a phenomenon called Parkinson’s Law and it applies to all sorts of things and it also applies to money. And what Parkinson’s Law says is that, “The amount of resource needed to accomplish something is the amount of resource available.” I’ll rephrase that, “the amount of resource used to accomplish any given task is the amount of resource available.”

And see how that is a bit different to the first time I said it and had to correct?

Because that is the whole point of Parkinson’s Law that whatever amount of money is available gets used up and this also applies to time, if you’ve got lots of time to get something done – you usually get it done at the last minute. But for money it means, that all your money gets used up unless you switch that formula backwards because what most people do is they take their income and they deduct all of their expenses, all of the things they have to pay for, all of the things they want to buy and do and so on..

And then they go, okay I’ll save what’s left and what’s left usually is zip, zero, zilch, nada! Right?

Because Parkinson’s Law applies and it means that all of that beautiful money that came in whether it was a little, a lot, huge amount it all got used up. So you need to switch that formula around the other way and actually decide where your money is going to go.

So what you then actually do is you say, ‘okay my expenses plus my savings need to equal my income.’ And it’s the same formula but just backwards. What that actually means is that then you have 2 input variables there: expenses and savings. And you’re going to have to make some decisions as to what those should be and then you also get to look at the other side of the equation: ‘Hmm how much many do I need to be making to actually meet this target?’ And if the amount of money you’re making right now isn’t enough, it means that you might need to look at reducing your expenses or maybe reducing your savings for a little while or maybe increasing your income and looking at ways that you can do that… but it actually puts you in control. And that is the point, the way that most people do it is the first way – you’re not in control you just get the leftovers which is usually zip. This way, you take control, you start to make decisions.

Now if you’re ready to start taking control of your money so you can actually have left over what you want to have leftover to do the things that you really want to do with that money, then start the easy way which is just by paying attention.

It’s a super easy way to start paying attention to your money which will illuminate you in some many ways, you’ll have so many huge a-ha moments. Simply start tracking – start tracking what’s coming in and also notice what’s going out and start making some empowering decisions – because you’ll find that there’s money just leaking out to all sorts of things that you’ve forgotten about, you stopped paying attention to and it feels really great to actually reel all of that back in and to reclaim that money. That is your money disappearing because you stopped paying attention so start paying attention!

I’ve got a beautiful magnetic money tracker for you which you can access from the link in the description – so help yourself to that. Get started today, start taking control of your money so that you will have left what you would want to have left, to do the things you want to do.

Alright, until next time. Remember to keep on embracing your beautiful unlimited potential.

Bye for now!

READY TO GO DEEPER?

If you want to ensure there’s always plenty of money available for the things you love, start by downloading the free Magnetic Money Tracker.

Why being jealous of others’ success slows your manifesting down

Why being jealous of others’ success slows your manifesting down

Hi beautiful,

I’m Miriam Castilla and welcome to the Manifesting Playground for Soulful Women in Business – the place where we practice the art & science of Effectology to help you marry the magical with the practical so you can have more money and more time, the easy way – without all the extra hustle!

Today we’re going to talk about what’s going on when you’re feeling jealous of other people… of their success, the money they have or maybe your neighbor comes home with your dream car and you just think, ‘bitch!’ Or maybe your best friend wins cross lotto and you want to be happy for her, but you just think, ‘why can’t that happen to me?!’ So what’s going on there and how can you turn it around in your favour?

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Now, number 1:

I want you to realize that when you’re feeling that way, when you’re feeling jealous of other people’s success or other people’s wealth, it means that you’re actually believing in lack. That there’s not enough, not enough to go around and they have something that you can’t. That they’ve somehow taken what’s yours. The bottom line, is that’s just not true because there is plenty of more, there is plenty more to go around. There are trillions of dollars circulating the globe every minute. There is plenty for you, trust me, baby! So you can just start to kind of unravel that one and look at the scale of the world economy and realize that if your neighbour has your dream car, it doesn’t mean that you can’t have one as well.

Number 2:
I want you to actually start realizing that for that stuff to show up in your experience, for someone close to you, for someone near you to have the thing you desire, it’s like the Universe is giving you a beautiful little preview saying, ‘Hey! Remember this thing you really like? Well, look how close you are!’

It means that you are getting this little vibrational preview showing you that you are in the vicinity of it because trust me, if you weren’t anywhere near it, you wouldn’t be surrounded by anyone who has wealth, abundance or anything beautiful. You’d be surrounded by people who are miserable and broke…if that’s your dominant, constant vibration. So it’s actually showing you a beautiful preview and encouraging you that you are vibrationally close. You know, it’s not in your driveway yet but it’s just ONE driveway over. How freaking exciting is that?!

So the thing to take away from all of this is to celebrate!

Instead of being jealous, really celebrate because the preview is for you and there’s plenty more where that came from and you can make that your little affirmation. Plenty more of where that came from because if there’s plenty for them, there’s plenty for you and it’s close enough that you can actually be a part of it in some way already so start celebrating.

Start ramping up and amping up that vibration and really get yourself in alignment – that’s what’s going to allow that car to hop from their driveway into your driveway. And anyway, you’ll want your own because she probably rides the brakes way too hard, you don’t want that one. Trust me.

Bye for now!

READY TO GO DEEPER?

To speed up your manifesting, get my free Money Manifesting Training Pack – which includes a cheat sheet on ‘5 Reasons You’re Not Manifesting More Money – and what to do about it’

Click here to download it for free.

Why you spend too much on your business – but won’t spend any on yourself

Why you spend too much on your business – but won’t spend any on yourself

Hi beautiful,

I’m Miriam Castilla and welcome to the Manifesting Playground for Soulful Women in Business – the place where we practice the art & science of Effectology to help you marry the magical with the practical so you can have more money and more time, the easy way – without all the extra hustle!

Today we’re going to talk about what’s going on, when you find yourself spending way too much money on your business, but can’t seem to bring yourself to spend any money on you.  You feel guilty.. you just won’t do it… you avoid it.

But meanwhile, on your business you’re actually overspending – too many courses, too many different marketing materials. Money is just flowing out and leaking in all sorts of different ways.

What is going on there?

I’m going to sort of toggle backwards and forwards but they’re actually part of the same thing.

You not being willing to spend money on yourself comes from usually feeling too guilty or not worthy or deserving, right? Which is not a very nice thing and it comes down to some limiting beliefs and underlying old programs that are keeping you in a place where it’s ‘okay I need to make this business work and until it does, I just don’t deserve to have anything good’.

But meanwhile, you’re blowing all this unnecessary money on the business when you could’ve gone to have a massage, a facial or bought yourself a nice new pair of shoes because you know it’s wasted anyway but at least you would’ve had something useful out of it. But you’re just blowing it on thing, after thing, after thing and have that buyer’s remorse where you think, ‘I didn’t really need that and it hasn’t actually made any difference”.

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So while you’re trying to do all this, you’re trying to compensate for those limiting beliefs, for those blocks, those old stories by throwing money at your business. Hoping that it will pick up and prove those old stories wrong. Prove that you are worthy, you are deserving, you are good enough and you do have what it takes.

So it’s this constant seesaw of ‘you’re not good enough’ –  but let’s give it a go and let something outside of me prove it to me because I actually don’t believe it.’ And so that’s what happens when these  unconscious patterns are playing out.

Now what all of that actually creates is a terrible lack of alignment and so then what’s happening is you’re totally incongruent and you’re spending money on your business. Even though maybe some of those things are good ideas they still don’t really stick and work. Somehow it just goes wrong and it still just doesn’t have the benefit you wanted it to have and that’s because it’s all motivated by this underlying, unconscious, old story and the limiting beliefs that are just ‘never going to happen, not good enough, wasn’t meant to be anyway.’

So that creates this terrible lack of alignment which means that nothing is going to work properly. You’re not going to be able to get into that magical flow with what you desire and have all of the pieces of the puzzle fall into place for you. So you need to really start going there, going to the unconscious level and start unraveling some of those things.

Now, I’m a huge fan of hypnosis because I’m a hypnotherapist but also because I know it works and it’s simple and easy and extremely powerful and quick (because I’m all about quick and easy).

So I have a whole library of hypnotic meditations that help you get inside, get back in alignment, get guidance from your unconscious – anything you need pretty much is in there and it’s totally free so if you don’t have access to that yet, click on the link below and help yourself to free member access to that whole library. There’s 52 hypnotic meditations  – one for each week of the year and you can work your way through or you can just pick and choose whatever you like – the whole thing is yours the minute that you join the library. Like I said it’s totally free.

So go and grab yourself that and until next time keep on embracing your beautiful, unlimited potential.

Bye for now!

READY TO GO DEEPER?

Get in alignment by clearing your unconscious resistance. There is an entire section in the hypnotic meditation library to help you ‘Create a Shift’. Your member access is totally free. Just click here to start creating change now:

Help! Why is there never enough money?

Help! Why is there never enough money?

Hi beautiful,

I’m Miriam Castilla and welcome to the Manifesting Playground for Soulful Women in Business – the place where we practice the Art & Science of Effectology to help you marry the magical with the practical so you can have more money, more time, the easy way without all the extra hustle.

Today let’s talk about what’s going on when you seem to have never enough money. 

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No matter what’s going on, you just don’t have enough. Either you kind of run out of money before you’ve even paid the bills or there’s just never really anything left over.

So the first thing I want you to be really aware of is that it really doesn’t matter so much what your income level is if that is a pattern, because there’s always more things to spend money on.

In my own life I know that when I was a broke, single mum, I manage to make do with so little income. But then as life went on and I started learning the art of attracting more money, the thing that I noticed was that the bottom line didn’t really change and I was still feeling that there wasn’t enough money… because as my income grew, my expenses grew!

So it’s important for you to realize that more money doesn’t fix it.  If that’s the pattern, then more money will not change the pattern.

There’s a little bit more going on and that’s the last thing I want you to take away from this little video that’s very, very important and that is that the bottom line is:

You can’t outperform your own self-image.

So if your internal dialogue, the picture you have of yourself, the story that you have bought into that you believe to be true at the unconscious level is one of: there’s just never enough… or: I always run out, or: I’m not deserving or worthy of having more than enough or any of those sorts of things that can be very insidious and hiding away.

Nobody wants to believe that stuff but when we’re really honest with ourselves and in my 1:1 sessions with my clients it often gets down to exactly those things: “I don’t deserve it” , “I’m not worthy,” and all those sorts of limiting beliefs that are really not serving you and you can’t outperform that self-image so just bringing in more money will not fix the pattern.

What will change the pattern is changing the self-image so it’s really important to start to become aware of these little tweaks that you can make that actually make all the difference, because most people just try to bring in more money, but it doesn’t actually change or fix the underlying problem.

So a little tweak in awareness is very powerful.

If you’d like some other really important and little tweaks in awareness, make sure you grab yourself my Money Manifesting Training Pack. The link is in the description or show notes, depending on where you’re watching or listening to this. Grab yourself that and you’ll get a quick checklist and you’ll also get access to a 30 minute training where I take you through each of those very important points that are the 5 reasons you’re not manifesting more money and very importantly, what to do about it.

Okay that’s me done.

Until next time, keep on embracing your unlimited potential.

Bye for now!  

READY TO GO DEEPER?

Ready to start making those subtle changes that will make the big difference so you can always have enough money?

Grab yourself a copy of my free checklist ‘5 Reasons You’re Not Making Enough Money – and what to do about it!’

Click here to download it for free

How to adjust your thinking to attract more money

How to adjust your thinking to attract more money

How to adjust your thinking to attract more money

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Thoughts Become Things. That’s a fact, so if you want to attract more money , it follows that you’ll need to adjust your thinking.

..but … HOW???

It sounds pretty simple to say adjust your thinking but how do you even know what you’re even thinking right now?

(You know how sometimes you ask your partner (or they ask you), “What are you thinking?” and all you get is a blank stare? I rest my case..)

It’s not so easy to know what you’re thinking because we have around 70,000 thoughts per day… and almost all of them are completely unconscious!

So we’re running these automatic programs & re-hashing the same old (usually unhelpful) thoughts – over and over again – and we don’t even realise it!.

No wonder it can seem almost impossible to get some new results out of life, right?

There are however 2 super simple ways to know EXACTLY what you’re thinking and today I’m going to share them with you.

In this Effectology Tip:
● why knowing what you’re thinking isn’t easy
● 2 ways to hack the system so you instantly know what you’re thinking
● how to adjust your thinking to attract the money – and anything else – you want

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READY TO GO DEEPER?

Paying attention is your secret super power. It’s so simple, costs nothing and anyone can do it. You do have to be choosy as to WHAT You pay attention to.

To help you start paying attention to the things that will quickly shift your thinking so you can attract more money, more easily, grab yourself a FREE copy of my Magnetic Money Tracker.

Click here to get it now

 

Listen To The Audio Here: