Can’t save money even though you try? Here’s why … & how to change it!

Can’t save money even though you try? Here’s why … & how to change it!

by | Jun 15, 2022 | Money Management

If you find that you can’t save money – even though you’re budgeting and trying your best, then this one’s for you!

Everybody tells us to tighten our belts and save our pennies so we can save money.

But the reason most people who do this don’t seem to be getting anywhere, is that it ignores one of the key principles of Magnetic Money.

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I actually developed this principle during my own journey from being a broke single mom after going through a divorce to then rebuilding my business and life.

At first I was budgeting like everyone else. I was stressed about paying the bills and putting food on the table. But as I started making good money in my business, I realized I still wasn’t really moving forward financially. It felt like I was stuck in the same old place and I noticed my savings and my wealth weren’t actually growing!

That’s when I realized that having a goal of having ‘spare money’ was actually keeping me stuck!

That’s when I developed & started applying the simple principle that “Every Dollar Needs A Job To Do”.
And it changed everything!

Now, when I say ‘a job’, it needs to be a  clearly defined job. Because just aiming to ‘have savings’ is way too vague. It’s like employing somebody and telling them you want ‘help in your business’.

You’ll need to be a lot more specific if you really want that person to make a difference!

Your  money is the same. Every dollar needs a clearly defined job to do.
Without that, surplus income tends to be squandered on things that aren’t necessarily in alignment with your top financial priority.

Most people will save some money, spend some money and maybe invest some. So the money kind of just gets diluted and can’t really make an effective difference.


But when we apply the principle that ‘every dollar needs a job to do’, we get a plan in advance that will ensure your money doesn’t get wasted and that it’s put to work as effectively as possible.

When your money comes in, you’ll know exactly what to do with every single dollar. Some will have the job of paying your bills, some will have the job of keeping your business running and some will have the job of paying your tax bill. And some of your money is dedicated ‘Fun Money’. That means you’ll get to spend that money, knowing everything else is taken care of and you can enjoy spending that money guilt free.

So when you use an arbitrary term like ‘savings’, your money doesn’t really know exactly what to do.

So you need to know what the savings are for and how much you’re aiming to have. You want to have a really specific goal in mind. So once you have enough to cover the basics and your fun money, the rest goes towards your very SPECIFIC savings goal. For example, you may have a goal of saving 3 or 6 months worth of living expenses to keep as an emergency buffer. That is a very specific job for that money.

Once that’s been achieved, you can aim for something else, such as accumulating money to invest, buy property or other. But each goal needs to be very specific so when the money comes in, you know exactly where it’s going and what for – and when you can tick the box to know that goal has been achieved.

This is how you actually move forward financially and achieve your goals!

And this is why “Every dollar needs a job to do” is one of the key principles of Magnetic Money.

So if right now you have some arbitrary goals of ‘saving money’, I invite you to sit down and get much clearer. Ask yourself, “What specific job do I want this money to do? How will this money best serve me? And what does it need to do that? Do I need a special bank account or set up some banking transfers? What infrastructure do I need to make sure the money goes to the right place to effectively do that job? And is that job clearly defined?”

Every dollar needs a job to do that’s clearly defined – and a place to do it.

If you bear this one simple principle in mind, things will shift for you from having a budget and wanting to ‘save some money’ to having clearly defined, exciting goals that move you forward financially so you’re creating financial stability and security for yourself.

Check out the episodes linked below if you’d like to learn more about how to manage your money more wisely.

And if you’d like to do it with me and get started right now, then join me for the free ‘Organized & Tidy Your Banking’ workshop, where we start laying that foundation for all your money to do its job for you.

You’ll find the link for instant access below. I’d love to see you there and help you start transforming your relationship with money, both inside and out, so you can experience the abundance that’s waiting for you.

Have a beautiful day & see you next time!

 

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How to set financial goals in business – and achieve them!

How to set financial goals in business – and achieve them!

by | Mar 2, 2022 | 6 Figure Business

When it comes to setting and achieving financial goals, most new business owners make one simple mistake.

And it’s the reason they don’t achieve their financial goals.

In this episode I’ll share what this mistake is and explain how to set financial goals in business – and actually achieve them – by simply asking yourself the right questions.

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Ok, first let’s talk about this very simple, but common mistake that has massive consequences.

And please don’t feel bad if you’ve done this – because I did it too! In fact, most new business owners do.

The simple mistake is that they start a business – but keep thinking like an employee!

They’re not used to crunching the numbers on the basis of running a business. And they don’t know how to set financial goals that are appropriate for a business, rather than someone on a wage or salary.

Starting to think like a business owner comes with time. It’s simply a matter of learning how to ask yourself the right questions.

When I first started my own business I made the same mistake. I was still thinking like an employee. I set my income goal at $10,000 per month because I thought that would solve all my problems. But when I hit the $10,000 a month, my problems were far from over. In fact, they were BIGGER because I was running a business! And that business had expenses and I had tax to pay. There were these things I hadn’t allowed for.

In this episode, I’m going to take you through the quick & simple questions you need to ask yourself, so that you can set and achieve the financial goals that are going to give you the outcome, the lifestyle, the peace of mind that you’re looking for.

So how do you set the right financial goals as a business owner? Well, there are 3 key questions you need to ask yourself:

Number 1:  What are my personal expenses?

How much does your business need to pay you?
A handy hint: If you want to really smash this, make sure it includes your next financial goal. For example, if you’re planning to pay off a $5,000 credit card over the next 10 months, you need that extra $500 per month of personal income.

Number 2: How much does my business need to operate?
How much money do you need to run your business? Your business has its own ‘living expenses’ – known as operating expenses. You need to pay those bills to stay in business. So make sure you have those thoroughly covered.

Number 3: How much tax will I need to pay?
This is the biggest difference between being an employee and being a business owner. You don’t get to keep all the money… you need to pay some of it to the government in taxes. As an employee, your employer did it for you and the rest was yours to keep.

Knowing how much of your gross income you need to put aside for tax is really important.
Putting tax money aside from the beginning also shows that you’re EXPECTING to make a profit, which makes you magnetic to more.

Check out this episode here for more info on how to manage your money to make you more magnetic. And you might also want to check out this episode here, which takes you through the 5 rules for a money management system that helps you pay your bills and reach your financial goals.

Ok, let’s get back to your income goal, which of course is the sum of all 3 answers above.

Your income goal is the sum of your personal living expenses, your business operating expenses and tax.

Now I’d love to know in the comments: When you’ve set financial goals in the past, did you allow for tax or did you forget? Because I know I did, especially the first time (Ok, and maybe the second). So let me know whether you did the same thing!

Ok, we’re not done yet because this episode is about how to set and ACHIEVE your financial goals.

So let’s talk about how to achieve them.

This is of course a combination of mindset and business strategy. You’ll find plenty of other episodes here with tips for sorting out your mindset to help you attract that income goal.

So today, let’s talk about the strategy. In particular, let’s ask one more simple, but very critical question. 

Are you ready?

The question you need to ask yourself after you set that income goal is: Can my business actually make that much?

Given your current business model, your current pricing products and services – is it actually possible for you to generate that level of income? Because if you’re charging $50 an hour and you can only work 20 hours per week because you have young children, then making $10,000 per week will be impossible.

A really simple process my business coach taught me a long time ago is what she referred to as “Income Stacking’. All you do is list every single product and service that people can buy from you & how much it costs, and then work out how many of those you need to sell to achieve that income goal.

Then you ask, Is that achievable?

From there, you can make some decisions and changes as you need. Maybe you need to increase your prices, maybe you need to focus more on leveraged products where you don’t need to put in more hours – where all you need to do is improve the system and funnel that sells them for you.

So by asking that simple question, “Can I actually make that much money given my current business model,” you get to work out very quickly whether the goal you set is achievable or whether you need to make changes.

If you’d like a handy calculator to help you put those numbers together so you can work out what your income goal should be, then grab my free Income Target Calculator. The link is below, so scroll down & download it now.

I hope you enjoyed this episode and found it really useful? I can’t read your mind, so please let me know by leaving a comment below.

Remember – it’s time to embrace your unlimited potential. and you’re ready to take the next step.

xx Miriam

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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!

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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)

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

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How to manage money wisely – so you attract more.

by | Mar 3, 2021 | Money Management

Did anyone ever teach you how to manage money wisely when you were growing up? 

And I mean, someone showing you how to manage your money so it actually goes to work for you. 

So it grows and multiplies.

Knowing how to manage money wisely is the key to developing money confidence – and that is what helps you attract plenty more!

So today, I’m going to share my top 3 tips to help you manage your money wisely – that also make you magnetic to more.

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In my 13 years operating my finance business, I dealt with people from all walks of life and on all different levels of income.

And there was one really, really important thing I noticed. 

And that is that more money & more income did not change their money patterns one little bit!

People who were in the habit of spending every dollar would do that, whether they were on a 5-figure income or on a multiple 6-figure income.

They would do that when they had lump sums of money and inheritances come in – and when they didn’t.

On the other hand, people who were in the habit of always putting some money aside, they did it regardless of what income and bonus money came in.

This is a super important point to note:

More money does NOT change the pattern!

So the real work is to ensure your money patterns and habits are healthy ones that support you financially – that move you forward and help you reach and achieve your goals.

For most people, nobody showed us how to take care of our money. Personal money management isn’t taught in schools. And most of our parents have no idea either. They’re just winging it and making it up as they go along.

And so what that means is that we don’t have the confidence around money that comes from knowing that you’re on the right path.

And that creates MASSIVE vibrational wobbles. 

It creates a lack of certainty, fear and vibration of worry within you. And that is not at all conducive to attracting plenty more because when you’re worried that you won’t know what to do with your money when it comes – and you’re beating yourself up for having done all the wrong things in the past – that creates a vibrational block that doesn’t allow more to flow.

Plus, we’re passed down generational patterns and fears around money from our parents.

You know, all those silly things people say like, Oh, money, doesn’t grow on trees –  Who do you think I am, Rockefeller? or, I’m not made of money, you know!

My parents said those things too. They program us with those sayings, with those systemic belief systems. And so they’re passed down through the generations. 

We see our parents struggle – we see their money issues and all of that is passed down.

So if we want to break the cycle and break the pattern, we need to do it consciously.

We need to break the cycle and start by actually educating ourselves on how to take care of our money properly.

You need to learn how to manage money wisely.

Because once you build money confidence, and you get a money management system in place that actually works for you – one you’re really excited about because it’s helping you move forward and achieve your goals  – that makes you magnetic.

It gets you excited about bringing money into your life because you’ve got the system all set up to put it to work for you – and to help it grow and multiply  – so that you can keep moving forward in leaps and bounds. 

So the key to becoming more magnetic to money and breaking down a lot of the money blocks and the barriers, is to get confident about managing your money. You need to sit down and do the practical work and set up a money system that really works.

I’d love to know. Did anyone teach you how to manage money as you were growing up? And I’d love you to share with me in the comments what the best piece of money advice you’ve ever received is. 

Okay. It’s time for those top 3 tips to help you manage your money wisely so you become magnetic to more.

Are you ready? 

Tip #1: Make compound interest work for you, not against you. 

So compound interest was called the 8th wonder of the world by none other than Albert Einstein, because it has an incredibly powerful effect.

Compound interest is when you have interest earning interest and then the interest on the interest is earning interest. And then the interest on the interest on the interest is earning interest… and so on.

I have a term for that. I call it ‘Making money babies’, because it’s like a family tree. You start out with a few dollars and when you let that effect of compound interest build and grow, it’s like a family tree sprouting, growing and expanding.

So this is where your money is working for you to make more money. Pretty cool, huh?

See, there are two ways to make money, people working and money working. And that’s what compound interest is all about. 

So you want to make it work for you, not against you.

You probably have things like credit cards and other debts that have interest attached to them. If you’re not getting on top of that, then compound interest is working against you. You’re literally making debt babies (gah!!!).

So you need to turn the tide and get on top of that and switch that focus around to making compound interest work for you. You do that by investing in things that grow – things like shares and property – anything that has a return on your money that you can reinvest to get a return on the return.

That effect is really, really powerful. 

So tip number 1: Start thinking about compound interest and focus on turning the tide from having it working against you to having it working for you.

Tip #2: Give every dollar a job to do. 

Most people throw all their money into one big bucket.

Then they pay the bills… and oops, the kids need school shoes… and let’s get some groceries… let’s go out for dinner tonight… oh there’s another bill to pay.

And they don’t know what’s what. And so when it gets to the end of the month, they start to look at that pot of money and think, “Ooh, it’s not going to be enough!”

The problem is that you haven’t given those dollars their individual jobs to do. You’ve just thrown them all in there and started randomly pick at them, hoping that there’ll be enough money to cover everything.

When you give every dollar a job to do, assign different jobs to different pools of money and you give them their own workspace, which means you separate them.

And then you know that THIS is my fun money. This is the money for us to go out for dinner, to have a massage, for that new pair of earrings etc.

And THIS is the money whose job it is to pay the regular household bills.

And then THIS is the money whose job it is to work on that compound interest equation and turn the tide from having it working against me, to having it working for me. 

So every dollar gets a job to do and a place to do it. 

And that gives you peace of mind, knowing that you’re not robbing Peter to pay Paul. You don’t have to worry that at the end of the month, you’re suddenly going to be left short when a bill comes in.

So every dollar gets a job to do. That’s the very important tip number 2.

Tip #3: Always have ONE current financial priority.

At any stage in life, you should know what your number one financial priority is. And you should put as much focus on it as possible. 

This priority will be different for different people at different stages in life. It usually revolves around that wealth creation pool of money, where the compound interest equation is being swung from one side to the other.

So for example, you might be at a stage where your number one financial priority is to get rid of that credit card. So you want to focus on that and be really clear on that being your priority.
All spare money goes towards that.

This ensures you’re not spraying your spare money around, putting a little bit here and a little bit there –  because that gets you nowhere fast. When you know that your number one financial priority, every spare dollar goes there.

And guess what that creates? It creates focus. It creates momentum. It makes Law of Attraction kick in and send you even more money to put towards paying that one thing off or building that investment portfolio or your wealth buffer – whichever is your priority.

It allows you to attract more money towards that focus because it gets you excited about every dollar that comes in that you can put towards that priority.

The momentum builds, the energy builds, the excitement builds and Law of Attraction, and the Universe will keep sending you more and more money, which allows it to happen even faster.

That is how you quickly turn the tide from having compound interest working against you to having it working for you. 

So that is tip number 3. Always have one financial priority at a time and be crystal clear on what it is. 

There you have it. 

Those are my top three tips for managing your money wisely, so you become magnetic to more. 

Now don’t go just yet, because I want you to keep an eye out for a future video, where I will share  my five golden rules for setting up your money management system so it actually works for you (and so you actually use it)

In the meantime, be sure to jump on my free masterclass. The link is below.

In that masterclass, I show you how to completely transform your relationship with money and become magnetic to more.

Embracing your unlimited potential is all up to you, and it starts by taking confident control of your money. It’s a huge step on the journey.

Big hugs,

xx Miriam

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