The easiest way to save money – even when money feels tight

The easiest way to save money – even when money feels tight

If you’re somebody who would LIKE to save some money, has been told they SHOULD save money, and thinks that it would be NICE to have some to spare, then this tip is for you – so stick around!  

I’m going to tell you an easy way to save money – even when you feel like you have none to spare.






Here’s the thing, we all know that it’s really important to start saving some money and put it aside – whether it’s for investing or just for a buffer in case of emergency. 

And also to start creating some positive energy around money. 

But when you’re so broke that you just have nothing to spare… What do you do?

What’s an easy way to save money – something you can do even when you have barely any?

I’ll tell you what I did because I went through a stage where my total income for the year was $10,000, and my rent was $320 a week! 

If you do the maths, you can work out that that doesn’t actually stack up. 

To this day, I’m not quite sure how I got through it, but I did.. and this little tip helped a lot!

The bottom line is, I was broke and I was miserable. 

I was obsessed with how broke I was. It was all that was churning through my head, night and day. I was like a human calculator that couldn’t switch off. 

I realised that I needed to change. Not just my thinking and my energy, but also my habit pattern. 

I needed an easy way to save money.

I needed to get into a pattern of putting some money aside. And showing myself that I did have money to spare. 

I did a very simple thing, and you can do it too – no matter how broke you are.

Here it is:
When you go out to buy groceries or whatever it is, use cash. Use cash for everything, and only spend notes. 

What it’ll do is it will make you think twice about breaking that note. 

It also creates all this change which you can then save, and I promise you, you will not notice the difference. 

So I did this. I spent only notes, I kept all the change and I would bank it at the end of the month. 

The first month it was about $64 which was a fortune to me at that time. 

I had $64 to put into a dedicated savings account. It made me feel rich. 

This changed my energy around money. It changed my vibration around money, my thinking pattern around money and my habit pattern around money. 

This one little thing is so powerful – and you can do it too!

Let me know in the comments – have you ever tried this? What do you do to save when money feels tight?


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Become more magnetic to money with this practical tip

Become more magnetic to money with this practical tip

Today I want to share a really simple trick that will help you become more magnetic to money and put you in the driver’s seat when it comes to money. 

This will also help you feel more empowered around your money.

A lot of people track their income, and you might be one. 

But do you track your expenses?

And yes, I know that at the end of the financial year, you can look back at your expenses, or you can refer to your bank account, but do you actually track your spending as you go? 


What’s more, I would challenge you to not just do that, but to do it on PAPER, because THAT is what makes you more magnetic to money.






When you track your spending on paper, you’re basically spending on paper, and it’s a really powerful thing. There is so much that comes out of it.

Here are a few reasons why this is totally worth your while doing:

The first reason for this is that when you actually have to write down every single thing you spend – and I’m not just talking business expenses, I’m talking personal expenses, coffees, lunches, magazines, that extra pair of earrings, that pair of shoes that you snuck past your husband and got rid of the box before he got home. I’m talking about all of that, right? 

When you have to write it down in your little pocket notebook, then you think twice about it. 

It makes you automatically self-correct in the actual act of spending – you make more deliberate choices in the day to day moments. 

So particularly if you’re somebody who’s a little bit impulsive or just whips out the card and uses the payWave function everywhere you go, then this is going to really make a difference. 

Because you know what? Even if you’re just lazy enough to get out the pocketbook afterwards – and that makes you spend a little bit less money – that’s a really good thing. 

The second reason why this is really powerful, is that you can then actually add that all up, project it for your annual expense on each individual item, and you can see, ‘How much do I spend each year on just the odd cup of coffee? How much do I spend each year on clothes? How much do I spend each year on entertainment? How much do I spend each year even on groceries?’ 

And then you can make some really empowering decisions and choices. 

Because I promise you that when you look at that and you look and see that you are spending the equivalent of $7,000 per year on just coffees and having your favourite Italian sweet – which some of us love – and it adds up to thousands a year, that’s going to make you sit back and think.

And then you can make some really empowering choices. You can actually say, ‘Okay, I still want to have that thing. I still want to enjoy that thing. But I’m not willing to pay that price for that pleasure and that joy. So here’s the price I am willing to pay for that pleasure and joy.’

And then you break it down, and you work out what your weekly budget is for all those extra beautiful little luxury things. 

When you do it like that, you’re coming from a place of power, not a place of lack. 

You’re taking control of your money. And you know what? Your money loves it when you take control of it. So when you take control of your money, it just feels good – you’re in control, you’re in charge, and when you run out of that little bit of extra pocket money for those special luxury items, you can actually sit back and go, ‘Cool. I know that I’ve hit my limit, I know that when I stop now, it actually gives me all this extra free available disposable income that I can use to pay off credit cards, to save for a holiday’ – to do anything you choose. 

By planning, you actually get to be excited. You get to be excited about what it is you’re doing with your money. And there’s a lot of power in that, not just from a practical level, but also from that magical vibrational level, because I’m all about blending and marrying the practical with the magical. 

This practical stuff is what makes you more magnetic to money.

And that’s when you can step into your power and you can straddle the best of both worlds. And it’s incredible, baby. 

So if you’d like a very helpful tool to help you with that, you’ll find it in the description below.

Until next time, stay happy!

The tracker is getting a facelift right now, so for the time being, I recommend you get stuck into my juicy Abundance Manifesting training:


Grab the free Manifesting Money Training here:

This excuse is stopping you from manifesting money

This excuse is stopping you from manifesting money

Are you ready for more money?

I know… it sounds like a trick question. Or maybe a dumb question.

But it’s not.

So I’m wondering…

if you have a whole lot more money come to you right now, would you know how to actually manage it?

  • Would you know how to take care of it?
  • Would you know what to do with it?
  • How high are your confidence levels of actually managing a regular, consistent, much higher level of income?
  • How do you feel about that?

I’ve got to say, a lot of people will say, “Oh yes, I know exactly what I’ll do with it…

The reason I haven’t got my money sorted out yet…
The reason I don’t have a money plan or a system is because…
Well, I’m struggling a little bit…

Everything that comes in has to go out straight away so there’s no point…
There’s nothing left over for me to sort of take care of anyway…
It’s just, ‘Oh good- here’s some money. Let’s pay that bill or whatever it is.'”

And that is exactly the problem.





Because when you don’t have a system and you don’t have a plan in place, you’re actually blocking the flow of more money.

Also what’s happening is that the money that you do have… you’re not necessarily using it in the smartest possible way to get you out of the situation you’re currently in and into a better situation.

So starting to take care of your money – putting a system and a plan in place – it’s actually the number one starting point outside of raising your vibration and getting on the abundance vibe which are really important.

And at the same time, you need to have the back-end ready to manage it.

It’s like opening a restaurant and getting beautiful frontage and great settings and decor… you might have some waiting staff but you’ve got no one in the kitchen…. because you figured, “Well, I haven’t got any customers yet.”

So when a customer does come in, you’ve got to run back there and quickly whip something up. (I’m not assuming that your cooking skills are not up to scratch but a professional chef might do better, right?)

The point is: You’ve got to have the back-end system setup so that the flow can happen…  so that the system can kick in and that baby can really start to hum.

So, start somewhere.

Start by making a plan for how much money you’ve got coming in, how much is coming out, and what’s the smartest way to manage all of that.

Before you can put a plan together though, you need to know where things are at right now. You need to kind of take a snapshot of where you’re at. Because if you want to get to Los Angeles, you need to know whether you’re coming from home or Sydney. It’s going to make a difference in terms of which way do you direct that plan.

So start by knowing your starting point.

What’s coming in?
What’s going out?
And how am I feeling about it all?


Grab the free Manifesting Money Training here:

When you don’t have the money to get to 6-figures, do this!

When you don’t have the money to get to 6-figures, do this!

So you want to get to 6-figures, but you feel like you don’t have the money to put into your business to help you get there. 

So frustrating and so… kind of comical – almost. You want to make more money, but you don’t have the money to do it. 

So what can you do about that?

Well, number one, you don’t need to have money to make money. That’s one of those limiting beliefs that you can just ditch. 

But you may be feeling that right now in your business – because you feel like you can’t possibly take your business to 6-figures unless you can afford to pay someone to support you or rebuild your website or pay for a new tool that allows you to leverage your time. Something like that. There’s some investment you feel you need to make that will allow you to grow, and that’s totally a part of doing business.

So here’s the secret to getting past that and to solving that perceived problem:





Most women in business that I see, they perceive it to be a case of, “I want to get from here to there. So I need to build a staircase.” 

So what they do is they make a list of all the things they need to build the staircase, you know, “I need the timber, the screws, the nails, the tools, maybe the people who actually build the staircase so that it doesn’t collapse on me.” 

They make that big list, and then they look at their current resources and they think, “Well I don’t have any of those things, or very few of those things, so I guess I can’t build the staircase… and I can’t reach that next level.”

So I ask you to just stop for a moment and step back and think about it differently, because we’re not building an actual physical staircase here, we’re building expansion in your business. That means that you don’t need to build the entire staircase in one hit to reach that next level of income, in fact all you need to be able to do is build the next step.

There are many, many ways that you can find the resources to just build that next step.

I’ll give you a couple of practical pointers with this:

Number one, you’ve established that you need this staircase and you already know all the things that are required to make it happen. Make sure you list them out really carefully, and then get really, really clear on which is your next step, and which one is the one after that. So not just knowing that this is all the things I need to reach the top, but what is it exactly that I need to build my next step. 

What is my next step? Then: What do I need to build it? 

You’ll find that that’s just a little baby step. You can break it down into really tiny little baby steps that are very achievable for you, and then if that requires funding, then all you need to do is look at where you’re currently spending money in your business, and re-allocate some of that money so that this step can be built.

So you might decide that this week you are going to distribute your newsletter yourself and your VA takes a week off, and you’re going to put that money into something else that helps you build this next step. Maybe you’ll get her to do a different job without increasing her hours. There are lots of creative ways you can re-allocate the money you’re already spending in your business.

Or you may decide that you’re going to raise these funds. 

So you may have a special offer, you may email your existing clients and say, “Hey, if you want to buy ahead, I’ve got a special package for you,” something like that, that helps you get a little bit of an influx of money just for this one step.

But I do really want to urge you to keep that very small, because the last thing I want you to do, is have some massive sale, be inundated, get the money in, but then be so bogged down in delivering those services that you don’t actually have any time to build that step, and I do see that happen a lot. 

Then you think, “Well I need to pay even more people to help me build the staircase because I can’t even hammer a nail in myself, I’m too busy.” At the same time, you’re totally getting worn out and you don’t even have time to think about building the staircase, or direct how that next step should be built and so it just never happens.
That’s something to be really mindful of. 

So, break it down into just, “Exactly what do I need to build this next step” and keep it there. It’s kind of the opposite to how most people think. They think, “Go build the whole staircase. I need all the materials, all the resources, ready to go and I’m doing it,” and I really urge you to do the OPPOSITE to that because it will be much more sustainable and easy for you. It will also stop you from burning yourself out and then unconsciously sabotaging yourself, because ‘business is way too much work’, right? 

You know what I’m talking about! 😊

So that is how you do it. Make sure you keep at it and grab my free training as well, to which there is a link in the description.

Until I see you next, keep on embracing your beautiful and unlimited potential.



Grab the free Manifesting Money Training here:

My top 5 tips on how to grow your income beyond 5-figures

My top 5 tips on how to grow your income beyond 5-figures

Hi, this is Miriam Castilla and welcome to the Manifesting Playground for Soulful Women in Business. This is the place where we apply Law of Attraction in magical and practical ways, so you can have more money in the bank and get more done – with ease!

Today I want to share with you my top 5 tools for moving beyond 5-figures. 

So let’s get straight into it.

When it comes to moving from 5-figures to 6-figures, it’s not so much that you have to do different things, it’s that you have to things differently.

So I’ve narrowed it down for you to the top five things that I think really made the difference for myself and for the women that I’ve helped in transitioning beyond a 5-figure income.





I want you to really focus on these and make sure you’ve got them nailed.

Let’s get into it!

Number One: Make sure you have a daily practice of meditation and visualisation. 

Meditation is really powerful, I call it “Teflon for the mind.” 

When you meditate regularly.. and I personally meditate twice a day for 20 minutes… what that means is that your nervous system operates at a whole different level, and the little things that used to stress you and trigger you and spin you off into fear and worry during the day won’t be able to. 

Now, when you meditate you also get in alignment with your highest self, so it means you’ve got access to all that guidance, all that inspiration, all that creativity at your fingertips. 

My little bonus gift with purchase is that I tack on a four-minute visualisation to the end of my meditation practice. That’s a really powerful way to mentally rehearse where it is you’re headed and prepare your body for it, because when you visualise the Miriam Effectology way, your whole body gets involved.

So that’s number one, a daily practice of meditation and visualisation. 

Now, let’s move on to Number Two: You don’t have to do this every single day, although I like to do it on the spot when things pop up, but then I also have a weekly time set aside for journaling. 

Journaling, and really writing out and seeing what comes up about all those little things that were bothering you during the week, the little worries, the little background nagging things, the things that you can’t quite put my finger on. 

Sometimes, like I said, I do it in the moment and I just kind of write it out and it gets resolved, but some things that I feel might be a little bit bigger and need more of my focused energy and time I just jot down in the back of my journal and then I sit down once a week and make some time to just write it out. 

The trick to good journaling is asking really powerful questions, and that’s something that comes with practice. 

Now, top tip Number Three is: Track your income. 

Track it not just because you want to know what money is coming in and that you’ve moved past that 5-figure income level and into the 6-figure realm, but because tracking your income is one of the most powerful mindset practices you’ll ever come across!

It’s really interesting! When I first started tracking my income, I thought I had my mindset down pat pretty well, but the things that were coming up… that you notice yourself thinking on days where you have really good income and then on days where you have a few eggs, a few zeros in a row.

You start kind of playing these mental gymnastics and making it mean things. 

It gives you excellent fodder for tip number two, which was to journal that stuff out, and so the daily tracking of your income is something that I recommend you keep doing because it’ll keep flushing out whatever is going on in the background at the unconscious level that could be holding you back from making this whole thing a lot more easy and a lot more fun.

So let’s move on to Number Four, and that is: You really need to have your money system down pat.

In Magnetic Money you build your Magnetic Money Management System. Yes, it takes a bit of effort to get it all set up, and a bit of time, but then once it’s set up, it’s running on autopilot. 

It only takes you maybe 10-15 minutes maximum, per week to manage your money, but the point is every dollar then has a job to do and you know that this is your business money… this is your fun money… this is where the bills get paid… and you don’t have to worry about “is it all going to balance…am I going to have enough money left over for that bill to come out?” etc 

None of that will be an issue!

It actually helps you then run your business from that point of empowerment where you know your numbers, you know what you’re spending, you know what you need to bring in, you know what your return on investment is, you know what your overheads are, and you are the CEO of that business, baby, and that’s what helps you move beyond the 5-figures… where you can get away with a bit of sloppy bookkeeping and money management.. and into 6-figures.

It also really helps lift your vibration around money because you feel empowered and in control, right? So that is tip number four.

Now, Number Five is: Work from a place of Aligned Effectiveness.

That is part of Effectology. Effectology is about getting in alignment, and getting your money and your time humming by marrying the magical with the practical.

So we’ve talked about the money side, now your business needs YOU to run it.

Your business needs your time, your focus, and your energy to move it past the 5-figure level and into the 6-figure level. Working from a place of aligned effectiveness is one of your best assets and one of the most powerful tools you can use. 

What that means is that, rather then just diving in and doing, doing, doing… even if you’re using some really powerful productivity tools… the difference between just doing it and bringing the sense of alignment and that tuning into your higher self and the guidance that’s there is MASSIVE.

When you work from a place of aligned effectiveness, you are truly in flow. It is that Einstein time zone where time seems to stand still and you’re just getting so much done, you’re totally in the zone, you’re in flow, you’re fully focused, everything stops, and when you’re finished you think, “Wow, that seems like hours passed and really it wasn’t very long,” …and you got so much done!

And not just that you got so much done, but you got the actual important things done that are going to help your business move out of the 5-figure area and up past that beautiful 6-figure threshold.

So those are my top five tips, or my top five tools, that I think you really need to nail and focus on if you want to move beyond the 5-figure income area.

To recap:

  • Number one: Daily meditation and visualisation.
  • Number two: Journaling and learning to ask really good questions to flush out whatever might be getting in your way and clear those blocks.
  • Number three: Daily money tracking – which gives you lots of fodder for number two!
  • Number four: Making sure your money system is in place and that you’ve given every dollar a job and you know exactly what’s going on.
  • And finally, number five: Make sure when you’re sitting down to work, that you do it from that place of aligned effectiveness.

Now when you do all of those things, you are truly employing the Effectology principles, and that means that you’re in alignment, helping you effortlessly attract more money, and get more done with ease, which allows you to live that business and life you’ve dreamt of
– and that’s what it’s all about at the end of the day! 

If you’d like to get a little bit deeper into the money side of things… and I know that you do.. then make sure that you access my free Money Manifesting Training, which takes you through five very important tweaks that you need to make if you’re going to effortlessly attract more money, more easily.

The link is in the description, help yourself if you haven’t done it before.

And if you haven’t done it for a while, I would revisit it! It’s only 25-minutes long, it’s a video training and it comes with a checklist that reminds you of what the key points from the training are.

Until I see you next, remember to keep on embracing your beautiful and unlimited potential.

Bye, for now!


Get my top 5 tricks to help you attract more money. Access the free training here >>