One of Many

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Personal finances – where to start

By

Joanna Martin

Founder: One of many. Author. Ex-doctor. Entrepreneur. Sister. Sometime Actor. Baby Wrangler. Personal Chef. Mother.

Latest posts by Joanna Martin (see all)

Did you know that in the UK, where I live currently, it’s estimated women are going to hold more than 60% of the country’s wealth by 2025 ?

We are a veritable army of change waiting to be tapped into. If we equip and empower ourselves around money and start making decisions which are in line with our values, then we could transform what the world looks like.

So it’s exciting times with regards women and wealth.

But these are also hugely stressful times for a lot of us, right?

Money can be stressful

To take the UK again, only 7% of the population in this country are on track for the retirement that we want. I’m a little bit concerned about our pensions, if I’m honest. And I’m not alone.

Research tells us that 4.5 million women in the UK are losing sleep over their money situation, and it’s not just that they don’t have enough in the bank right now.

57% are losing sleep because they don’t have enough savings – they’re worried about their future. And 28% are doing okay month by month but they’ve got a huge debt that they don’t know how to manage.

All together, that’s a hell of a lot of sleep we’re losing.

It’s impacting our quality of life. It’s impacting our well-being. And arguments about money are the number one top predictor of divorce.

So unless we do something about this money stuff, our very vitality, our health, our happiness and our relationships, will continue to suffer.

Our money confidence is often our lowest area of power

Here’s a quick challenge: think about your work confidence. Whatever you do, how confident do you feel that you’re the master of your own destiny there? That you can show up, that you can do something to make a difference?

Maybe it’s 100%, it might be 50%, or it might be 10%. Go with the first number that comes to mind.

Now, compare it to how confident you feel about your ability to manage and grow your money: your money confidence.

Interesting, right?

What I think we’re seeing at the moment is that over the last 100 years or so, as women have started to become empowered in the public sphere, we’re finally feeling confident in work.

We’ve fought our way through that glass ceiling and showed up, and we’re performing. Yes, there’s still a long way to go, but we’re doing great.

However, our money confidence is often lagging behind.

(Perhaps it’s still being informed by the last few millennia where we have not been involved in commerce at all.)

We still have a tendency to give our power away – to our partners, financial advisers, or even our parents. And where we are giving our power away, then we are not fully stepping up to the responsibility, or the opportunity that’s there for us.

Because let’s face it – the world needs changing.

And we can change it with our economic power. We can change it with our empowerment. But if you’re giving your power away around money, then you’re giving your power away full stop.

Personal finances: where to start

At Be Wealth, our brilliant retreat all about women and their relationship to money, we use a simple model called the 4 Stages of Wealth to identify our financial priorities and challenges, regardless of how much money we do or don’t have. At the retreat I take a spot survey in the room, asking the women there to put up their hands to say which stage of wealth they’re at.

It’s always a fascinating exercise to me, and not for the reason you might think.

What I see first of all is that an overwhelming majority of women in the room who are at the first stage of wealth – stability, where whatever they have coming in the amount they have left over at the end of each month is zero – feel shame.

They’re like, “Oh, god, I don’t want to admit to this! I’m so embarrassed”

And then, those who are at the next stage: security – where their expenses are a little less than their income, so their savings are increasing gradually to make a rainy day fund – are also thinking ”Oh my god, I don’t want to admit to this. I’m so embarrassed…”

But then those at the next stage, who you might think have got it sorted – because their passive income is making them more than their expenses – also say “Oh, I don’t want to admit to this in public! I’m so embarrassed”.

It doesn’t matter how much money we make, we have money shame

And I believe this is the root of so much of the problem.

We’re embarrassed.

We’re embarrassed because we’re making more than the person we’re sitting next to.

We’re embarrassed because we’re making less than the person we’re sitting next to.

We’re embarrassed because we’re not further along than we “should” be based on what our parents, or our society, tells us.

I would go so far as to say 99% of the women I have spoken to around money have some kind of money shame.

And when you have embarrassment around talking about money, you cannot transform it. Because if you can’t talk about it, you can’t learn about it, and education is the thing that can turn a situation around.

If your financial situation at the moment is not what you want it to be, it’s probably because at some level, you’re embarrassed to have conversations around money.

But if you were never taught how to manage money, if you were never taught to understand how it accumulates and how it grows and how it works, how could you possibly ever do anything about that?

We need to talk about money

I believe if we really wanted to change the way that power is arranged around the world we could do so, purely by changing whether or not money is talked about.

If everybody started talking about money: how much we have, how much we don’t have, what we know about it, what we don’t know about it – if we took it out of the closet, so to speak, I think things would shake up hugely.

But we will not be able educate ourselves until we overcome this first step of speaking about it.

And it’s absolutely time to do something about this, because we have an opportunity right now to transform the world. Not just our own personal financial world, so we can have the retirement that we want, and make the kind of impact for our kids that we want, or have the lifestyle that we want. Of course we know we can change that world if we sort our money stuff out.

But I believe we can change the world for even more people if we actually transform our relationship to money. If we let go of our money shame, and actually get educated on how the damn thing works.

What do you think? Can you relate to a feeling of embarrassment or even shame when it comes to talking about your finances? Let me know what your relationship to money is in the comments.

If you’d like to explore a new way of thinking about money that takes away the shame and gives you practical, powerful actions to take at whatever stage you’re at, come along to Wealth Insights. It’s our focused money workshop that gives you the chance to talk about your finances in a safe and friendly environment – and leave with a map of how to change your financial situation for good.  Read the full details and book your place here.

Our intention is simple. To support professional women to handle the day-to-day so they can unleash the bigger impact they feel called to make in the world.

We believe real leadership is less about skill, and more about having a well of physical, emotional, intellectual and spiritual strength to draw on. Every week we support thousands of grassroots leaders globally with our free articles, videos and online trainings with powerful tools and methodologies created BY women FOR women.

Become One of many™ women creating strong, meaningful connections in our community.

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Can wealth make you happy?

By

Joanna Martin

Founder: One of many. Author. Ex-doctor. Entrepreneur. Sister. Sometime Actor. Baby Wrangler. Personal Chef. Mother.

Latest posts by Joanna Martin (see all)

Can wealth make you happy? If you don’t have much money it’s tempting to think that it can; if you know you have plenty, you’re probably wondering why it doesn’t.

The fact is, wealth alone is the wrong measure to be looking at when it comes to our happiness, and here’s why: In every area of our lives, our ultimate fulfillment comes down to one thing.

Our values.

The real question we need to be asking

Before you know whether money will make you happy, you first need to be clear on your values.

Your values in relation to your wealth is something we look at in depth at our BeWealth retreat, but in a nutshell, values are those things which are most important to us. They provide all of our upfront motivation in life – you can pretty much guarantee you won’t spend time or money on something if it’s not of value to you.

Values are usually single words or short word phrases like love, achievement, pleasure, joy or freedom, and while they’re nouns, they’re usually things that you can’t put in a wheelbarrow. It’s not books that you value, for example, it’s education.

Using the wheelbarrow test, is money a value? Probably not, because money you could put in a wheelbarrow. It’s what money provides you that’s actually important to you.

That tells us that money in itself can’t be one of our values.

How can you know what is? Take a look at what you choose to spend your time, energy and money on.

If you’re always squirrelling funds towards your next holiday, it might be that you value travel, or adventure, or sunshine. If your amazon wishlist is longer than your arm, it’s a fair bet that reading, learning, or escape is one of your values.

And the books on your shelf are another great clue. Maybe you’re obsessed with spirituality, interiors, or rich imaginative worlds.

Your values are what bring you joy, fulfillment, and happiness.

When you know your values, your relationship to money changes

If money is an area of your life that’s currently causing you stress, looking at it through the lens of your values can give you fresh clarity into what action you need to take.

Say you’re fretting about money because there just never seems to be enough left over at the end of the month. When you think about your values, perhaps you find that security is something that’s really important to you. You want to know that if something unexpected happened, you’d have the funds you needed to fall back on.

If security’s important to you, you probably want to spend some time and energy learning about budgeting, money management and insurances. Perhaps you want to have a chunk of cash earmarked as a “rainy day” fund – like 6 month’s worth of living expenses – so you know the mortgage will be paid no matter what.

Or perhaps helping the environment is a really strong value of yours. Setting up a regular donation to an amazing organization helping preserve ecosystems, plant trees, or support indigenous communities might be a way to feel incredibly fulfilled about where your money is going. Volunteering a few hours a week to clear up a local beauty spot would cost nothing, and yet be a big investment in your happiness.

Whether you’re donating five dollars a month or investing tens of thousands, the fact that your money is aligning with what matters to you is what will ultimately lead you to happiness.

Can wealth make you happy? It’s what you do with it that counts

When we feel stuck, small or uncomfortable around money it’s often because we’ve been taught to use it in a paradigm that doesn’t line up with what really matters to us.

What we’ve learned about money is often outdated, and not particularly useful for us. That is, if we were taught anything about money at all! It’s not uncommon for women to be very successful at work but not understand anything about how money actually works.

After all, it’s only relatively recently that women have actually been allowed, from a societal perspective, to be involved with money. In the UK, it wasn’t until 1975 that a woman was allowed to open a bank account without her husband’s permission. To say nothing of the fact that for millennia, commerce was a strictly masculine domain – one in which we simply didn’t have a say.

When you consider that our grandmothers and great-grandmothers, going back for hundreds of generations, were not allowed to learn about or handle money, it makes sense that historically we don’t have power around it.

But things have changed dramatically for women in the last hundred years. It’s time for that shift to start to take root in the realm of our finances.

Build the future you want to see

If you’d like to explore a new way of thinking about money that empowers you to have the impact you’d like in the world, click here to request a brochure on our money training. We’ve helped hundreds of women around the world get their money stuff sorted so they can focus on the difference they want to make.

Our intention is simple. To support professional women to handle the day-to-day so they can unleash the bigger impact they feel called to make in the world.

We believe real leadership is less about skill, and more about having a well of physical, emotional, intellectual and spiritual strength to draw on. Every week we support thousands of grassroots leaders globally with our free articles, videos and online trainings with powerful tools and methodologies created BY women FOR women.

Become One of many™ women creating strong, meaningful connections in our community.

 

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How to avoid money arguments

By

Joanna Martin

Founder: One of many. Author. Ex-doctor. Entrepreneur. Sister. Sometime Actor. Baby Wrangler. Personal Chef. Mother.

Latest posts by Joanna Martin (see all)

“I just can’t talk to you about this any more!” Never mind going into another room. I was on the other side of the suburb before I’d calmed down, after yet another blow up with my husband about our finances. If you’re wondering how to avoid money arguments, here’s how we learned to get past the conflict and into alignment when it comes to the money stuff.

I can still remember so vividly how it felt, that particular day. I was hurt, frustrated, and confused. I even wondered if this meant the end of our relationship.

What was most maddening was that for the most part we agreed about money. We knew we had aligned long-term goals and our thoughts about money in general were pretty similar. I knew that something had to change.

Finding a way through the financial storms

Years later, my husband and I are working in our third business together, having navigated big financial hurdles like becoming parents, moving countries, and buying property.

These days, I’m pleased to report that our money conversations always end with us both in the same room – even if we’re not always on the same page. So I wanted to share the things I’ve learned that have made all the difference in our interactions on the topic.

Whether it’s your boss, mum, best friend or partner, here’s how to have productive, effective conversations about money.

5 keys to helping you avoid money arguments

1. Be aware and gentle

For many of us, money is an area of emotional or psychological wounding. Questions of how much we earn or what’s left over at the end of the month recall unconscious judgments in our minds about all kinds of things. This is really normal – almost all of us get tripped up by this from time to time.

What that means is that money conversations start to feel really personal. Statements the other person makes can easily feel like criticism, for example, even if they weren’t intended that way.

The first step then, is to be aware that this is likely to be true. If money comes up, know that this might become a tricky conversation and check in with yourself – is now the time to talk about this? Are you already feeling tender or tense?

Put it into action:
  • Understand that money can be a source of tension
  • Prepare for conversations about money ahead of time
  • Recognise that money talk can feel like it’s personal, even when it’s not intended that way

2. Know what’s yours

Aside from the numbers, it’s vital to know what’s yours on an emotional level. What do I mean by that? Well, a lot of the conflict that arises about money can actually come from within us. For example…

They say: “I think we should have a chat about setting up a joint account for shared bills”

You hear: “You’re terrible with money – I can’t trust you to handle your finances on your own”

You say: “Stop trying to control everything!”

Or…

They say: “How much did you say that retreat was going to cost?”

You hear: “You’re spending too much on extravagant things that don’t matter”

You say: “It’s up to me what I spend my money on – I don’t criticise you for the crap you waste your pay on!”

Hmm… it’s not hard to see how arguments flare up, right?

Becoming aware of the stuff money conversations bring up for us can open up awareness of deeper things that need healing, for example an area you feel especially defensive about, or a particular person whose criticism had a big effect on you in the past.

What’s important is that, when you are aware of these issues, you take responsibility for changing them. What’s yours to deal with? What do you need support from a coach or mentor around?

And remember, the other person might not be on this journey with you. It’s not your job to point out their limiting beliefs or identify what they need to work on. Approach the conversation with compassion, and deal with what’s yours – no more.

Put it into action:
  • Discern what issues you need to deal with when it comes to money
  • Seek external support where you need to – from a coach, financial expert, or trusted friend
  • Recognise what’s not your responsibility, and let it go

3. Choose your timing

Remember, our first step was being aware that conversations about money can be tender. Knowing that, it’s smart to have them at the right time.

That could include being aware of your cycle, for example. Now, before you think I’m some monster who thinks women are incapable of rational thought, hear me out.

In my own life I know that 7 days before my period comes, I could swear that the world is ending and there’s nothing you, I, or anyone else can do about it. That can actually be an incredibly powerful day for me – I sure as hell get clear on the change I want to make in the world – but it’s also a terrible day for me to have a conversation with anyone.

Knowing that, if I’m aware I need to have an important conversation about something like money I’ll do my best to shift it to a day when I’m likely to be feeling much clearer.

That won’t be the same for everyone, of course, but I wonder if any of that applies to you? Do you know you’re better able to be open, compassionate or empathetic at certain times of the month? Bear that in mind when you make an appointment to discuss your finances.

And make sure you take the other person’s needs into account too – allow them to tell you when would suit them, instead of springing it on them at a time when they’re not really ready.

Put it into action:
  • Choose a time when you’re both fed, rested and hydrated
  • Find a space where you won’t be disturbed or interrupted
  • Take into account your own rhythm and emotional needs

4. Be respectful in your communication

Sticking to some basic principles of clear and respectful communication is so important when the topic is an emotional one. Always seek to hear the other person out without interruption. You don’t want to be nagged, so don’t nag either.

And make an effort to find things to celebrate together – focus on what’s working, as well as what you want to change.

Put it into action:
  • Be respectful – don’t interrupt or nag
  • Notice when it’s time to take a break
  • Listen curiously and give space for the other person to say what they need to

5. Be clear about what you’re looking for

Now that you’ve chosen the best possible time and place, and you’re aware of what’s your responsibility, it’s time to communicate as clearly as possible what you want to share.

For the best possible outcome, try and recognise what’s driving both of you in the conversation. One of you might be more interested in feeling connected and loved, or seeking reassurance, and one of you might be looking for problems and tasks to solve.

What’s vital is that you’re clear about what it is you’re both looking for.

Put it into action:
  • Start by giving the point of the conversation for you – not the big long story that precedes it
  • Ask for what you need; leave them to decide the “how” of solving it, if that’s something they’re keen to do
  • Allow yourself to be receptive – if they agree with what you’re saying, there’s no need to keep on convincing them

Not being able to talk about money holds us back

It’s really important that we are able to move into more powerful conversations. In all the women I’ve coached and connected with over the years, I’ve noticed that the people who are most comfortable talking about finances tend to be the ones with the highest level of wealth.

In fact, I’d go as far as to say that your net worth increases in direct relation to your ability to talk to key people in your life about money.

How about you?

These steps have played a huge part in Greg and I sorting out our differences and getting to a stage where we can actually enjoy money conversations. Has money been a source of tension for you, and do you have an experience to share? Let us know in the comments.

If money is a problem for you – not just in conversations but also in terms of what you have or haven’t got – and you’re ready to get sorted so you can talk about it confidently, get in touch to find out about our financial training. If money feels like a challenge,we’ll help you turn it into an ally – so that you can feel truly powerful about where you are and what your next steps are.

Our intention is simple. To support professional women to handle the day-to-day so they can unleash the bigger impact they feel called to make in the world.

We believe real leadership is less about skill, and more about having a well of physical, emotional, intellectual and spiritual strength to draw on. Every week we support thousands of grassroots leaders globally with our free articles, videos and online trainings with powerful tools and methodologies created BY women FOR women.

Become One of many™ women creating strong, meaningful connections in our community.

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What is your money mindset?

By

Joanna Martin

Founder: One of many. Author. Ex-doctor. Entrepreneur. Sister. Sometime Actor. Baby Wrangler. Personal Chef. Mother.

Latest posts by Joanna Martin (see all)

What is your money mindset? Do you have a sense of your overall approach to money? Are you aware that how you think about money impacts the decisions you make day to day and month to month?

Today I want to share a different perspective on your relationship to your finances – one you might not have come across before.  It can be a powerful frame through which to understand the part you play, consciously or unconsciously, in your financial experience.

Becoming more powerful in the way we create and use our wealth is a vital part of our mission here at One of Many, and is a priority for women globally.

  • Globally, women control a staggering $36 trillion, and that number is growing.
  • According to the National Association of Women Business Owners, one in five firms in the US with a revenue of $1 million or more is woman-owned.
  • Across the pond in the UK, the Office of National Statistics reports that “women accounted for an unprecedented 80% of the new self-employed between 2008 and 2011”, and that number has continued to rise.

As more and more women become active participants in the global economy, whether through managing our own business or playing a part in leading others’ organizations, our relationship to our finances matters.

When it comes to money, what’s your motivation?

Money is a subject that often involves a lot of unspoken assumptions and judgments, going right back to childhood.

Perhaps when you were growing up you were told “we can’t afford it” as a way of saying no to things you wanted.

You might have been raised hearing sayings like “A fool and his money are soon parted”.

Money might have been used to confer approval or value – like being given an extra allowance if you did well in exams, or extravagant presents to cheer you up.

As an adult, some of these inherited beliefs will continue to inform your feelings towards money. Contrary to a common misconception, money certainly isn’t a “dry” or “emotionless” topic (and the best accountants aren’t people devoid of feelings!). The numbers we see when we look (or don’t look, as the case may be) at our bank statements can evoke powerful emotions.

And it’s those feelings about money, both what we have and what we haven’t got, that contribute to our money mindset.

Action: Take a few moments to jot down a few ideas about how you relate to money, using these prompts as your starting point.

When I was a child, money was…

When it comes to making money, I believe it’s…

People with money are…

When I think about my future finances, my biggest wish is…

The answer to the final question is what we’re going to take a look at in a bit more detail now.

What is your money mindset? The quick test

Take a look at your goals for your finances and ask yourself this question: do they mainly reflect a “towards” or “away from” mentality?

Here’s what I mean by that: A “towards” mentality means that you’re motivated by something you’re working to.

This can apply to any area of your life, but in financial terms it might be a goal like:

  • Going on holiday
  • Having 3 months of living expenses in savings

It could also be something more general:

  • Understanding investments
  • Feeling confident talking about my finances

The key thing is that the motivation is all coming from that inspiring vision of the future and all the good it brings.

An “away from” mentality is the opposite: this is the motivation that drives you away from a place you don’t want to be.

Perhaps your goal is more like:

  • Stop having arguments about money
  • Never having to think twice before spending
  • Getting out of debt

Can you see the difference in those statements?

Why your motivation matters

You can’t think about “stopping money arguments”, without focussing on the arguments and the pain they bring.

If your drive is “to get out of debt”, you’ll only have enough motivation to get you out of debt… and then no further.

This “away from” mentality is one I often see in entrepreneurs I work with. Business owners can find they’re really fired up by hitting rock bottom, or by starting out with very few funds in place. Lots of small businesses go into overdrive when the cashflow dries up – suddenly, we’re out there meeting clients, making sales, and getting creative with new marketing ideas.

The trouble with this kind of motivation is that when you do reach a place of stability, your momentum flags.

Suddenly, you no longer have the “wolf at the door” to drive you forward. The business loses energy, things start to slip, and before you know it the bottom line’s taking a downward turn… until you get to the next crisis point.

Even if you’re not a business owner, you might relate to this mindset. Perhaps you’re highly aware of your family’s finances when you’re watching every penny you spend. But when a payrise gives you a boost and you’re no longer worried about money you find yourself making purchases and financial decisions without a second thought. And then, whoops – overspending.

Changing our relationship with money

Financial freedom doesn’t mean freedom from thinking about money. It means beginning to think about money in a different way. One of the most fundamental shifts we can use is to shift our motivation to a “towards” approach.

What are you working towards? You might have some quick material ideas in mind:

  • Paying off the mortgage
  • Going on holiday
  • nvesting in something that will make a real difference to your day to day life.

But beyond that, there’s a future which involves a relationship with money. When you think about your goals, start to make that a part of the picture, and to reframe it using a “towards” mindset.

“Never having to worry about money” might become “Feeling confident about the decisions I’m making for my money” or “Being supported by experts who can give me good advice about my money”.

When you think about your future, can you imagine “Knowing that my money is working hard to create opportunities for my family”?

Going deeper when it comes to money mindset

It might sound like simple linguistics.  And on one level it is.

The deeper level to take this to, is when you can release the feelings underneath the away from motivation.

In our example again –

  • When you transform the hurt under the money arguments, you will automatically experience freedom in your communications
  • When you heal the pain of having nothing as a child, you won’t constantly find yourself thinking twice about whether you can now “afford” every purchase
  • When you let go of the guilt you feel because of the debt you’ve accumulated, you’ll find a freedom to get creative and build your wealth.

I’m really curious about which of these mindsets you currently identify with most when it comes to your finances. Share your reflections in the comments below, and let us know what your “away from” drivers are, and perhaps what your “towards” motivation might look like. Let’s inspire each other!

Our intention is simple. To support professional women to handle the day-to-day so they can unleash the bigger impact they feel called to make in the world.

We believe real leadership is less about skill, and more about having a well of physical, emotional, intellectual and spiritual strength to draw on. Every week we support thousands of grassroots leaders globally with our free articles, videos and online trainings with powerful tools and methodologies created BY women FOR women.

Become One of many™ women creating strong, meaningful connections in our community.

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What are good money habits?

By

Joanna Martin

Founder: One of many. Author. Ex-doctor. Entrepreneur. Sister. Sometime Actor. Baby Wrangler. Personal Chef. Mother.

Latest posts by Joanna Martin (see all)

In my work I’ve met many women who have made and grown wealth for themselves and their families. And as I’ve talked to them about how they created and sustained that wealth, I’ve noticed certain patterns. So many of us many of us didn’t grow up with strong role models of how to create wealth. Maybe you’d like to make more money, but you’re unsure: What are good money habits?

Very few of the wealthy women I spend time with didn’t wake up one morning with a huge number in their bank accounts, and then learn how to manage that money. Instead, they developed strong financial skills which led to the wealth they enjoy. Financial skills spring out of good money habits. As part of our 10-Week Wealth Turnaround we focus on 10 good money habits. I’ve picked off 5 of these that can implement no matter what the balance in your account right now. So, as you read this today, think: which of these will you implement first? Let us know how you go in the comments!

What are good money habits? 5 starting points to get your money working for you

1. Millionaire women know why

The really wealthy women I know are always clear on one key thing: the answer to the question WHY?

And the answer has a couple of parts.

First they understand WHY they are in the financial position they are in. They take ownership of the good decisions and bad decisions they have made. They bring consciousness to every spending, saving and investing decision.

The second part of the answer to “Why?” is the WHY they’re BUILDING that wealth. When it comes to earning, managing and multiplying their money, they have a clear vision for their money. They know what’s important to them, perhaps their family, their business or their desire to give to the causes that really matter to them. No matter what they have something fuelling and driving their desire to grow wealth, beyond “I just want more money.”

Action: Set aside twenty minutes to journal your WHY when it comes to money. Answer the following questions:

  1. Why are you in the financial position you are in. What good choices have you made, and what not good choices have you made?
  2. What do you want money for?
  3. What would life be like if you were receiving the kind of income you want?
  4. Why is money important to you – does it represent approval, stability, security, power or freedom, for example?
2. Millionaire women are accountable

We’re talking about money habits, but accountability starts with taking responsibility for our own power. The millionaire women I know are really clear about where they put their energy. They don’t lay blame, justify, or make excuses when it comes to their results. If they want things to be different, they take responsibility for making the changes that are needed.

They’re also accountable to others around them, answerable to any promises they’re making.

Finally, they’re accountable in the more usual sense of their financial accounts. They know what’s going in and what’s coming out when it comes to their money.

When we look at the stages of wealth, accountability is one of the key ways we move from financial instability to a place of financial stability. So if right now you’re not sure whether you’ll be up or down financially from month to month- the first and most important habit you need to implement is the habit of accountability.

Action: It can take a few hours to get a clear picture of your finances, so make time for it. Schedule a coffee date with yourself to get really clear on where things are: your debts, savings, and what’s coming in and out for the month. Getting a clear picture of where you are is essential if you’re to start steering your financial ship in the direction you want to be going.

3. Millionaire women manage their money effectively

This habit probably doesn’t come as a surprise – after all, we’re talking about women who are millionaires. They know how to manage their money effectively to make sure that they’re creating the financial future they want.

You might have read things like this before and thought: “Fine, I need to be ‘effective’ – but what does that actually MEAN?”. Well, at the very least, it’s about allocating something towards your financial future every single month – making that a part of the work your money does however much you earn right now.

In the great book The Millionaire Woman Next Door Thomas Stanley shares that 68% of millionaire women know exactly how much they spend every month on living: mortgage, fuel, food etc. They are brilliant budgeters. Of the other 32%, the “non-budgeters”, they make a commitment to INVEST money first each month and then only spend what is left over.

Either way millionaire women organise the money they have, and routinely put some aside to invest (not save) for the future.

One of the biggest mistakes I see women making is thinking that they’ll start to invest their money when they’re making “enough”. Most of us will never grow the kind of wealth we want without a commitment to investment right from the start. Just telling ourselves we’ll invest what’s left over isn’t sufficient. We must start the investing habit first. Creating your financial future means becoming conscious of the flow of money through your accounts. When we start to plan for the future immediately, we open up the amount of focus we give our financial future. So even if its $1 a month, starting the habit of investing in the future is the crucial step.

This is how we start to become truly conscious of our finances.

Action: Are you confident you understand the flow of money in your life? If you’re not really clear on how much you’re earning or spending, go back to the previous step – getting a clear picture of your finances is essential before you move into actively managing your money. Once you understand what’s coming in and out, you can start looking at what you want to invest in your future. Even if it’s only a small amount at first, this habit is one that will pay off in the long term. How much will you commit to investing monthly?

4. Millionaire women get their money working for them

In a culture which encourages us to continually spend, spend, spend, the millionaire women I know don’t only play the role of consumers in the marketplace. They’re in the habit of seeing themselves as creators of opportunity.

That means thinking of money as a way that we can make things happen for ourselves and for others, not just through our spending but through our investments. Investors see their money as a way of creating opportunities, whether that’s through property, the stock market, becoming a partner in a business, or something else.

Action: What would you like your money to do if it was working for you, instead of the other way round? Brainstorm a few priorities to investigate further, if this isn’t a part of your current finances.

Not sure where to start? Move on to habit 5 – it might be time to make some financial education your first investment.

5. Millionaire women educate themselves

If we start early enough in life, and have the right level of income, simply saving part of what we earn could possibly lead to wealth. But for most of us, creating the wealth we want to requires a little more. Usually our money needs to work a little harder than your average savings plan allows, to really provide for a financial future.

Most of us aren’t born knowing this stuff, so the first step is education to learn how to get our money working harder than a 0.5% annual interest rate in a bank!

Action: When it comes to finances, what do you wish you knew more about? Real estate investing? Stocks? Precious metals? What interests you to learn more about? Do a quick bit of reading today. Great authors on the subject are:

Rebecca Robertson of Evolution Financial Planning.

Gill Fielding of Fielding Financial.

Barbara Huson of Barbara-Huson.com, Author of one of my favourite books on financial power for women “Sacred Success”

Wealth Insights is our own half-day foray into reclaiming your power when it comes to money, and really increasing your wealth. Click here for upcoming events.

The bottom line when it comes to creating good money habits

At One of many we believe wealth is one of the most important areas of women’s power, and we’re on a mission to empower every woman in our community to create and manage the wealth she wants.

Do you recognise these habits in yourself? Is one of them a particular challenge for you, or an area where you have a tip to share for someone else? Let us know in the comments – your experience might be just what another woman needs to read today.

Our intention is simple. To support professional women to handle the day-to-day so they can unleash the bigger impact they feel called to make in the world.

We believe real leadership is less about skill, and more about having a well of physical, emotional, intellectual and spiritual strength to draw on. Every week we support thousands of grassroots leaders globally with our free articles, videos and online trainings with powerful tools and methodologies created BY women FOR women.

Become One of many™ women creating strong, meaningful connections in our community.

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Grass Roots Women Who Inspire – Cat’s Story

By

Joanna Martin

Founder: One of many. Author. Ex-doctor. Entrepreneur. Sister. Sometime Actor. Baby Wrangler. Personal Chef. Mother.

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Cat’s Story

For as long as I can remember I wanted to make a positive difference in the world. I even started out in my career as a biomedical engineer in Australia, designing aortic stent grafts and literally saving lives! But the problem was… it was boring. I wanted to do something that was exciting and fun.

In looking around at what else I could do I met a graphic designer. Now that was a job that looked like fun. I’d get to make stuff pretty all day and make a living out of it.

It was time to for a change in career

I found a graphic design course that I could take in only 12 months, and broached the idea with my partner Scot. He wasn’t entirely thrilled at the idea of me throwing in my high paid job to become a student again, but we agreed that I’d make up for the disparity in earnings in the future.

So, with no time to waste, I quit my engineering career and signed up for the course – thinking that surely this would be all I needed to make it big in the world of graphic design. Huh!

Twelve months later I made a list of top London design agencies I wanted to work for, and with a flimsy qualification in hand, Scot and I sold all our belongings and bought a one-way ticket to the UK.

Excitement. Fame. Fortune. Here I come!

Only thing is that tens of thousands of design graduates turn up in London every year looking for a design job – and most of those have Bachelors degrees. It was a shock to the system, but the situation forced me to get creative with my application process. I carefully targeted the creative directors at my top 10 agencies and sent them postcards of myself outside their door, explaining exactly why I was determined to work for them. Three months after arriving in London, I secured a foot-in-the-door at the agency which had been top of my list.

The cold hard reality

I quickly discovered that graduate designers typically work for minimum wage or ‘gulp’ for free!

The excitement kept me moving forward, but I had a sinking feeling that it was going to be a LONG time before I could ever make things up financially to Scot. And with the cost of living in London far higher than my income, I moved further and into a feeling of being indebted.

Working at an agency was fun and fast paced. I learnt a lot and got to work with some very prestigious clients. But after a number of years of doing it tight financially, I realised that I was never going to make up the financial gap with a regular agency job.

I turned to freelancing!

With a much higher daily rate, and the freedom to get experience from a range of clients, and change my focus to brand strategy and customer experience, I thought that I was set. But there’s nothing that messes with your mind quite like running your own business.

When I was busy things were fine. When I wasn’t things weren’t so fine. I quickly descended into a desperate cycle of taking whatever work was on offer and working my butt off for several months, and then spending the next few months stressing that I didn’t have enough work.

The freelance gig gave me the freedom to travel and make it back to see my family in Australia semi-regularly. But Scot (now my husband) could rarely travel with me because he was working in a full time employed position. He was the one who was being responsible and providing the stability for us. He was being a grown up. Whereas I felt broke all the time. I felt like a fraud, pretending I had my own business, when I my cash flow was so erratic I couldn’t be relied upon to pay the rent. It didn’t feel great but I had no idea how to change anything.

Money became a taboo subject

Best avoided if you didn’t fancy an argument.

In despair, I threw tens of thousands of dollars at personal development and wealth creation seminars. I learnt about property investment, passive income, multi-level-marketing. Basically, anything that might change my situation for me!

I’d leave each event hopeful, but after a few weeks the enthusiasm would fade and all that I was left with was a growing credit card bill.

I decided that the only solution was to work harder.

Work harder and I’ll make more money, I rationalised. But as I doggedly pursued more clients, and increase my earnings something else started to nag at me.

The work I was doing was now ENTIRELY about the money!

I wasn’t making the sort of positive difference in the world I had always wanted to make. In fact, some would go so far as to stay that my work was actually harming the world – selling people more stuff they don’t need, in order to make even more money for the 1%.

I started to make up for my growing sense of guilt, by doing the odd side-project for a cause that I could believe in. Doing good with my work felt so good that I started giving my time away to friends and family for free, afraid to charge for my services.

After all…

You can’t do good AND make money.

Or so the voice in my head would tell me.

But there are only so many hours in the day, and when you start spending more of your time working for free, the logical result is that you spend less time doing the work that makes you money.

There had to be another way of doing things?

Faced (yet again) with the same financial frustrations, I found myself registered for the Be Wealth retreat – not really expecting anything to change, but there was something in the idea of a ‘Soft Power’ approach to wealth that intrigued me.

All those other wealth seminars I’d attended, they’d pump you and challenge you to go out and fight for what you wanted.

I could see that they worked for other people, but that approach just never felt quite right for me. Jo Martin and One of many had made me start to question if maybe the difference was that they were geared around a masculine way of doing things.

What if I could approach things from a more feminine perspective AND still achieve the same results?

I decided to attend with an open mind.

Be Wealth started with an honest and objective look at the facts

Instead of teaching some ‘get rich quick’ strategy, Jo made us take an honest and objective look at ourselves.

We started by facing the real numbers in our individual money situations. I was amazed to discover that despite feeling like a financial failure, and not always having dependable income, that I had actually earned as much over the last decade as Scot had in his stable and steady job.

It turns out I was doing pretty well with the ‘making’ money, I was just lacking in follow through with the ‘manage’ and ‘multiply’ parts of wealth creation.

Jo also taught us about the four stages of wealth – Stability, Security, Independence and Affluence – and I realised another reason why all those wealth seminars, hadn’t worked for me. I was so far in the realm of instability that I hadn’t even reached the first stage of wealth yet! You can’t just jump straight to financial independence or affluence.

Each stage of wealth builds upon the next, so if I wanted to improve my wealth situation I needed to do the work to progress through each stage. Because as Jo explained, the strategy that gets you to one level is NOT the strategy that will get you to the next level.

It fascinated me that stability is also about accountability – something I was definitely lacking. Scott and I never even spoke about our finances. I immediately knew this had to change.

We explored our beliefs and values

I don’t know quite how Jo, Annie and Susie do it but they get right underneath all your programming.

I unpacked the story I had been telling myself about how I didn’t care about money. How I believed that it was more important to be making a difference than making money, and that you can’t do good AND make money at the same time.

A huge shift for me was when I realised that not caring about money was actually preventing me from making a bigger difference in the world!

I realised that working for free on projects that I believe in was actually harming those projects. I wasn’t able to dedicate the time and resources to the projects that they deserved. I wasn’t able to help them make the impact that they possibly could have – all because I was afraid to charge money for something that was doing good.

To say this changed everything is an understatement!

I immediately went back home and created a real, bonafide, creative business out of helping solopreneurs with a social mission, build a brand and make a bigger impact.

Within 12 weeks that business had billed £32k… which was more than I had billed in the rest of the year combined. And I was on holiday for one of those months!

I made the decision to take control of my finances, once and for all.

I realised that I had been behaving like a child when it came to finances. I was abdicating responsibility to Scot and that had to stop. We could be a team, but I had to contribute in more than just the ‘making’ phase.

Importantly if we wanted to create financial stability… and then financial independence, I needed to take responsibility and we needed to start communicating.

Rather than simply wanting to come back and make vague promises, I decided to let my actions speak louder than my words. I started to pay myself a regular wage from my business, and I implemented Jo’s jar system.

The massive surge in my regular income, and the carefully implemented money management system, definitely attracted interest from Scot, and paved the way for a very frank conversation about desires, needs and values.

This time something was different. We didn’t argue or get emotional. He could hear what I was trying to say. He could see that I was really taking action. He could trust that I was serious.

Less than a week after that conversation, Scot gave notice at the job that had been getting more and more stressful for him. A month later I became the sole breadwinner in our family whilst Scot concentrated on learning to trade the financial markets.

Suddenly I was the strong and stable financial person in our relationship

As Scot focused on learning his new trade, I grew my business – hiring team members and taking on more and more clients who were doing amazing things in the world.

I revelled in the fact that I was really making a positive difference in the world, and supporting my husband to pursue something he enjoyed.

After six months of working side-by-side in our 1 bedroom apartment Scot and I made the decision to take an even bigger leap. We packed up all our belongings, and set off with laptops and backpacks to travel and work as digital nomads. After more than a decade living in the UK far away from our families, it was a joy to spend a summer in Australia with no rush of moving on.

As I write this we are both sitting by a pool in Bali…

Scot watching the markets, as I exchange emails and the occasional skype call with team members plotting how we can better serve our clients and help them make an even bigger difference in the world. It’s a joy to empower others to share their messages in a bigger, bolder, brighter way.

There are still real challenges. I’m still only finding my feet in financial stability. And I have a lot to learn as I endeavour to progress on to the next stages of my wealth journey.

But the changes in my life have been so dramatic and phenomenal, and I still need to pinch myself to check that it is real.

It feels cheesy to say that this all wouldn’t have happened if I hadn’t attended Be Wealth. But for once it feels great not to have had to battle through and learn all my lessons the hard way.

I’m so incredibly grateful to Jo for helping me get unstuck and showing me that there really is a different way.

Cat is an amazing designer and helped us create all our branding. She’s niched herself to help solopreneurs with a social conscience stand out from the crowd. Well done Cat!

Let me know in the comments if any of Cat’s story resonates with you.

And if you’d love to transform your relationship with money like Cat did then take a look at our upcoming Wealth Insights event in London.

It is a 3.5-hour tour-de-force live seminar into what keeps some of us women stuck around money, what millionaire women do differently, and how you can finally set you and your family free. And the best part is a ticket is only £27, and all ticket sale profits support an awesome not-for-profit.

Our intention is simple. To support professional women to handle the day-to-day so they can unleash the bigger impact they feel called to make in the world.

We believe real leadership is less about skill, and more about having a well of physical, emotional, intellectual and spiritual strength to draw on. Every week we support thousands of grassroots leaders globally with our free articles, videos and online trainings with powerful tools and methodologies created BY women FOR women.

Become One of many™ women creating strong, meaningful connections in our community.

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The Missing Piece to Manifesting Money

By

Lara Waldman
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Lara Waldman

The Abundance Activator | Inspirational Speaker | Healer | Abundance Coach | Author
Lara Waldman
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Lara Waldman – The Abundance Activator

For many years we have been hearing about The Law of Attraction and Manifestation; how it’s possible to create the life that you desire by thinking and believing that it’s possible. But there has been a very important missing piece.

In this article I’d like to share exactly what that missing piece is and give you a simple 5 step strategy to money manifestation mastery.

Let’s start at the beginning and consider…

The Deeper Purpose of Money

Money is a vehicle to realising your dreams in the physical world. Money helps to ground the calling of your Soul and anchor it here on the planet. Money is not the source of your happiness but a vehicle to express your full essence and Purpose in the world.

Money is an amplifier. Money exposes your deepest emotions, thoughts and beliefs that keep you small, stuck and limited. Your relationship with money can trigger and expose some of your deepest fears, frustrations and challenges.

Used consciously, money can also expose your greatest purpose, your true essence and the gifts of your Soul that you have come to this planet to share with the world.

The energy of Money is neutral. It does not judge good or bad. It simply wants to create and grow. Money can support you to create and grow your dreams into physical reality if you choose to use it in this way.

When you use money consciously in this way, it can be your greatest support to help you realise your purpose and make the impact that you were born to make.

This leads me nicely to the missing piece.

It’s all about where your desires are coming from.

You can create the life that you want lead by the desires of your Ego and many people do create from this place. The problem is that creating your life from your Ego desires can also create pain and suffering along with it, not only for you, but for others as well.

But there is another place to create from. When you create your life in alignment with your Soul’s Purpose, you will be making choices that serve not only yourself, but also the lives of others and all life on this planet. Your Soul, your Higher Self, will always lead you to greatness.

When you consciously create your life in alignment with your Soul’s Purpose, then your life flows with greater ease. Don’t get me wrong, life will still present its challenges, but generally speaking life will be flowing with you, rather than against you.

So the missing piece is a simple question to ask yourself…

‘Is what I am asking for in alignment with my Soul’s Purpose?’

If it’s not, then you have yourself a problem.

Your Soul, or Higher Self, has come here for a reason. Your Purpose is far greater than what you are aware of on an Ego or personality level. If you create your life out of alignment with you Soul’s Purpose, then you will soon find out about it.

When you fall too far out of alignment with your Soul’s Purpose, you will get what I lovingly call ‘A Slap from The Universe’. For many people this can look like a difficult life changing crisis.

I have been ‘slapped’ by The Universe many times in my life. I have also supported hundreds of women through many of these turbulent life changing moments. What I have learned is that if you create your life out of flow with your Soul’s Purpose, life will force you to stop and listen.

It is my passion to empower women with The Law of Attraction and Money Manifestation to consciously fulfil their great purpose while living life to the fullest. By saying yes to receiving money in alignment with your Purpose, you are saying Yes to creating a life of greater Ease, Joy and Fulfilment.

It’s time to say good bye to unnecessary pain and suffering when it comes to money and start enjoying your life to the fullest by making the difference that you were born to make.

Take Your Power Back

You are the creator of your life. There are areas in your life where you unconsciously create a life you don’t want, rather than consciously creating a life that you do want. It’s time to let go of victim consciousness, of life happening to you and get into the drivers’ seat of your life.

Money Manifestation Mastery is about remembering just how powerful you truly are. Most people have not been taught this. Most people have been trained in victim consciousness. You have been trained that there are limited options for you and your life.

The truth is that you are a master creator. It’s time to reclaim this power and start using it consciously. This will not only create an awesome life for yourself but for everyone whose life you touch. By transforming your world, you transform the world of others. As within so without.

5 Essential Steps to Manifesting Money in Alignment With Your Purpose.

Step 1: Put In Your Order To The Universe– get clear on what you want

Most of us are very good at focusing on what we don’t want. When I ask women ‘What would you ask for if I had a magic wand?’ the majority of them will start talking about what is not working, what happened in the past and why. Most people are programmed to focus on the negative, to focus on what is not working.

The key to creating the life that you desire is to focus on what you do want.

I will ask you now, if I had a magic wand and you could have anything you like, what would you ask for?

Let’s start with money. How much money would you LOVE to bring into your life and business, with ease (not with hard work and struggle)? What would that figure be for you? It can be monthly amount, an annual amount or a lump sum. This is your Money Goal.

The great thing about Money in relation to your purpose is that larger amounts of money are more in alignment with your Soul than smaller amounts. This is because your Soul is infinite! You do not need to confine yourself by lack or limitation when it comes to money and your purpose. Allow yourself to dream big!

Money Goal

How much money would give you the feeling of financial freedom? What would make you feel really relaxed and happy when it comes to money? This can be an annual amount of money or a monthly sum of money.

Daily Action:

Ask to The Universe and Your Higher Self (aka Soul)

What would it take to bring in X amount each month/year?

Money Fuel

Next you want to get clear on what I call your Money WHY. This is your money fuel. Your money fuel is the reason behind your Money Goal. Your Money Fuel highlights what is really important to you and what you are truly asking for through the vehicle of money. Your Money Fuel will be the thing that motivates you to create your Money Goal.

Human beings are ultimately motivated by feelings. Make sure to include the feelings that would come with your money goal being realised. The feeling that you want to feel is ultimately what you are asking for!

For this next section, please get a pen and your journal or piece of paper.

Money Fuel Exercise

Take your Money Goal and ask:

Why is this amount of money important to you?
What would be the impact of this amount of money?
What does it do for your life and the lives of others?

Now take the answers to those last questions and ask the 3 questions again of the first round of answers.

Why is this amount of money important to you?
What would be the impact of this amount of money?
What does it do for your life and the lives of others?

Now take the answers to the second round of questions and ask the 3 questions one more time.

Why is that amount of money important to you?
What would be the impact of that amount of money?
What does it do for your life and the lives of others?

With each round of questions, you are unlocking your deepest desires behind your money goal. The answers to these questions will highlight your true Purpose.

Your Purpose

Your Purpose is not just what you do in the world, it’s how you are BEING in the world. Part of your purpose is to BE the truth of who you are.

Your purpose is to fully embody and express your truth in the world. There are different vehicles for your purpose to be expressed, ie: business, but ultimately it’s about sharing the gift of who you truly are with the world.

When you are deeply connected to your Purpose and your Truth, you will then be divinely guided through your life.

Step 2 Release Your Money Blocks – get out of your own way

Your money blocks are the negative thoughts, beliefs and emotions that often come up the moment after you connect to your dreams. When you opened up to what you wanted, did you notice any negative, limiting thoughts or beliefs come directly after? These are your money blocks.

Your money blocks seem very real, but they are not. They are simply negative thoughts, beliefs and emotions that you absorbed and picked up on from the world around you. You learned these patterns from your family, your ancestors, the culture that you were raised in, as well as the society that you grew up in.

Your Money Blocks hide the truth of who you are. They cover up the light of your Soul. They are designed to keep you small, limited, stuck and hidden.

Your Money Blocks stop you from stepping into the unknown. Ultimately, they are designed to keep you safe in your comfort zone.

Having these blocks is a part of your human experience. Your money blocks are part of the journey called Life, but you can also consciously release them over time. This is where you have the power of choice and the ability to consciously create your life for the better.

We could spend a long time analysing all of your money blocks, which would be interesting, but it won’t necessarily release them. Would you be willing to simply let them go?

It’s super simple to release your money blocks but you need to release them on a regular, consistent basis. Your money blocks are sneaky and feel so real! The trick is to recognise your money blocks, see them for what they are and be willing to let them go.

Your money blocks want to keep you exactly where you are in the safety of your comfort zone. Your money blocks would rather keep you in the pain of what you know, rather than the potential risks of the unknown.

Your Money Blocks, although with good intentions of keeping you safe, are actually holding you back from creating positive change in your life. It’s time to let them go if you wish to move forward with your life.

Exercise

After you ask for your Money Goal:

What would it take to bring in X amount each month/year?

You then say:

‘Anything and everything that is stopping or blocking me from welcoming that amount of money into my life with ease, I let it go now.’

The key here is not in the words that you say but rather in your intention behind the words. You need to really let go or at least be willing to begin the process of letting go of your Money Blocks.

You are so powerful, more powerful than you realise. When you make the choice to let go of your money blocks, they will begin to dissolve away.

Some money blocks like to grip on for dear life, so you need to do this practice every day to chip away at them. Eventually your money blocks will dissolve with time, patience and love. Releasing your money blocks is a daily practice.

Step 3 Make the choice to have your Dreams Now – bring them into the present

Money manifestation works when you get 100% behind what you are asking for. You have to make a choice that you are going to do this and have this, even though you don’t know how. You need to decide that what you are asking for is going to be your reality, because you choose it to be so.

You do not need to know how you are going to make it happen. The how is up to The Universe and your Soul. All you need to do is decide and be willing to take the next steps forward towards your dreams.

You are the creator of your life. You create your life by getting clear on what you want and where you want to go. It’s time to get into the drivers’ seat of your life.

Bring Your Dreams Into The Present

When you think about your money goal, where is it? Is it in the future somewhere? Do you see or imagine your dream outside of you? Most people do.
The trick with money manifestation is to bring what you are asking for into the present, as if it’s real now. You become it now.

Most people say…

“I will be happy, peaceful when I have X, I will feel free when I have Y”.

The trick with manifesting what you desire is to start feeling what you want to feel NOW. So if you are asking to feel Joy, Freedom or Peace, start connecting to those feelings every day NOW.

As you become what you want NOW, you become a magnet to more of the same. This is how The Law of Attraction Works.

On a deeper level what you are doing with money manifestation is connecting to the truth of you. When you are aligned with your Soul and your purpose, you will feel Joyful, Free, Peaceful, Connected, Expansive and fulfilled. When you are feeling any negative emotions, it simply means that you have fallen out of alignment with yourself. It’s a sign something within needs your attention.

Exercise

Become The Vibrational Frequency of That Which You Desire

How would a person with X amount of money (your money goal) walk, talk, be? Become the energy of someone with that amount of money now. Your body knows how to do this. Sit, close your eyes and ask your body to become the vibrational frequency of a person with X amount of money. Then see what you feel!

Do this every day.

Step 4 Listen To Your Intuition

As soon as you ask for what you want, the answers come. The Universe will give you energetic breadcrumbs to guide you towards your dreams, but you have to listen. Your Soul, or Higher Self, will guide you forward.

The Universe and Your Higher Self speak to you in many subtle ways. You will get messages that lead you towards your dreams if you are listening and paying attention to those messages.

One of the main ways that The Universe speaks to you is through your intuition. You will get ideas, insights or awareness that are guiding you to the next step towards your dreams. But so often you will reject those ideas or insights as soon as they come it.

The key is to listen to the subtle messages from the world around you. The answers are there, but are you listening?

To help yourself listen to your intuition it helps to get still and quiet. Sit, breathe and tap into your inner knowing. I personally recommend a daily meditation practice.

Step 5 Take Guided Action

The very important step to realising your money goals is taking guided action. You need to take action on your intuitive ideas, or at least be willing to explore them more.

The key to guided action is taking action towards your dreams lead by your Higher Self and not from your Money Blocks aka your Ego.

Your Money Blocks will keep sneaking up to stop you in your tracks. They will feel very real. You must keep releasing them as they come up and not let them run your life anymore. Keep releasing your money blocks every day.

Your intuition will never speak to you in a fear based way. If your thoughts, feelings or emotions are fear based or negative in any way this is not your intuition speaking. Your intuition will be calm, clear and free from emotional drama.

You will realise your dreams one step at a time. Sometimes you will move forward with great leaps and bounds and sometimes you will move forward with many little (sometimes wobbly!) baby steps.

Please remember patience, trust, compassion and perseverance on your money manifestation journey.

Money Manifestation Daily Actions

1) Meditate:

To help you connect with your intuition I recommend meditating daily. To do this, sit quietly with your eyes shut and breathe. When your mind wanders, come back to your breath. Sit for a minimum of 10 minutes or until you feel your mind slow down. I personally recommend a minimum of 20 minutes a day. Your mind will wander! That’s normal. Just keep coming back to the breath, back into the present moment, when you notice your mind wandering.

When your mind has settled connect to your Money Goal and Your Money Fuel.

2) Ask The Universe and Your Soul:

What would it take to bring in X amount each month/year?

What would it take to feel, have, experience….?
(fill in the blank with your money fuel)

3) Money Block Release:

Anything and everything that is stopping or blocking me from welcoming my money goal and my money fuel into my life with ease, I let it go now.

4) Bring your dreams into the present.

Become the vibrational frequency of that which you desire. Imagine what it would feel like to have that amount of money. Bring up the feelings of your money fuel. Become it now.

5) Ask your intuition:

What action can I take now that will create the greatest result?

6) Take Guided Action

Listen to your intuition. Write down any ideas and take action on the next best step for you at this time on your journey.

Do this practice every day.

Your dreams are on the other side of your comfort zone. Moving beyond your comfort zone is not always comfortable, but so very worth it. I promise!

Never give up on your dreams. You are here to make a very important contribution to this world. Make the most out of what life has to offer you.

Much Love and Abundance,
Lara Waldman
The Horse Woman without a Horse

To master your money manifestation and discover more powerful exercises, tips and mind-shifts to increase your abundance check out Lara’s new book
‘Money Manifestation Mastery’ via this link:
http://larawaldman.com/book/

About Lara

Lara Waldman is The Abundance Activator. Lara is an Inspirational Speaker, Healer, Abundance Coach and Author of the book “Money Manifestation Mastery – 5 Steps To Abundance Activation”.
Lara empowers Female Entrepreneurs and Business Owners to attract more money into their life and business. She teaches women how to use Money Manifestation as a vehicle to fulfilling their Life’s Purpose and making the change they were born to make.

Connect with Lara:

Web: www.larawaldman.com
Social: Instagram | Facebook | YouTube

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The Magic of Repeating Yourself

By

Dawn Grossart

Latest posts by Dawn Grossart (see all)

Women like you and I are in a powerful place. Thankfully, we’re in it together and it’s true that we really do have the knowledge at our finger tips and the capacity to create, and experience, the lives and businesses that Dawn Grossartwe truly desire. Does that seem far fetched to you?

For many this is still a theory, yet to be experienced for real. You know “there’s more”, and yet it often feels just out of reach. Can you relate to this?

If you have a vision of yourself in different circumstances – of any kind, take heart know that it’s possible to get there, but the path may bring up many demons along the way. (Ain’t that the truth!)

If you ever have those demons pop up, read on!

Setting out to get the to the heart of the matter of mind-set development and brain reprogramming – and having read the works of many, many giants on the topic, I connected with a carefully handpicked selection of 25 experts recently which includes Hay House and New York Times Best Selling Authors and highly acclaimed International Speakers who generously shared their wisdom and experience of how they have evolved their thinking to evolve their lives.

“”…You’ve might have heard that many times too? It’s also the key to unlocking the door to reprogramming your brain – your thinking, your words and your actions, which creates everything you experience.

Almost every person had a story of adversity – and of overcoming it. The Hero, or Heroine’s Journey is part of the human experience for so many, and the reason for sharing that, is to focus on the overcoming part. To realise that if one person can create the outcome they desire, so can you. So can we all. But we have to make choices. A decision to be prepared to face whatever is in front of us and to take action with faith, and be connected to a desire, a reason why, that’s so strong it will keep you on the path, no matter what.

Now that might sound like a tall order? Well, back to the repetition I mentioned before. Careful to take note that progress is being made, and not to keep repeating what isn’t working, among many other things, these habits came out on top:

  • A daily personal exercise routine that gets energy flowing around the body.
  • Writing or journaling as a way to connect with the inner self – ask questions, purge frustration, get clarity.
  • Mentally focussing on a specific desired outcome and visualising that outcome like it has already happened, embodying the feelings.
  • A meditative practice that allows you to listen to inner guidance. Sitting, running, swimming..whatever takes you to that zone.
  • An awareness that there’s a part of you that you have to fight against sometimes to get to where you desire – resistance and fear are normal; and have a strategy to over come it. (nb If you experience resistance and fear and you’ve not read “The War of Art” or “Turning Pro” by Steven Pressfield. Get them. Read them, and know that what you experience as resistance is part of the process you have to overcome).
  • Connecting with people regularly who were positive, driven, happy and motivated.

Now I’m not suggesting that everyone has to have the Heroine’s Journey experience , but when you have awareness of what’s possibly going on for you inside your head, and that it’s possible to tame the tiger, you have the power to create a solution, a strategy to support you. So much of what we have to overcome at times is inside our own heads, so getting firmly committed to ourselves is the very first step. And keep recommitting until you get there.

Personally, I believe wholeheartedly:

  • That anything is possible.
  • There are at least 3 solutions to every challenge
  • That we are programmed to grow and expand throughout our entire life.
  • Challenges, when they come, are opportunities.
  • We’re not meant to do this alone.

Your mindset is one of the most essential keys to creating and experiencing whatever it is you desire. Do an mindset audit. What are your beliefs? Question them. Tune them up. Create the positive focus. Build the muscle everyday that you CAN be all that you desire. And enjoy the process of expansion as you start to feel life shift in your favour.

Write down your top 20 beliefs about money, abundance and happiness. What do they reveal? If you write what you’d choose to believe – what would that look like instead?

If you’d love to go deeper on this one, and receive all of the steps and strategies in full, you can access the interview series yourself. Tune in and hear what the lovely Jo Martin had to share on the subject, as well as other highly acclaimed speakers on Self-Love, Money Mindset, Creating Happiness, Busting Through Limiting Beliefs, Motivation and Emotional Healing and more.

You can pre-register for The Wealth Mindset Expert Series and access them here (they’re released next week!)

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Podcast: Why following your passion isn’t enough

By

Joanna Martin

Founder: One of many. Author. Ex-doctor. Entrepreneur. Sister. Sometime Actor. Baby Wrangler. Personal Chef. Mother.

Latest posts by Joanna Martin (see all)

Sophie-Bennett-Author-217x3001Today, Sophie Bennett is an author, book coach, speaker, entrepreneur, and wealth coach.

But at age 30, she was £68,000 in debt, had no job, few skills (with one very important exception), and was on the verge of losing her flat.

For the 13 years leading up to that, Sophie’s life had all come down to one thing: getting onto the Olympic dressage team. She trained day in and day out, single-mindedly following her passion for dressage, waiting for, as she called it, “that one big win”.

It never came … at least not in the form of dressage.

But after attending a Tony Robbins seminar, Sophie changed her entire mindset around money and potential. Seven years later, she had completely turned her life around and had done her first million pound property deal.

Now Sophie uses all of the lessons she learned in that process to help other women on their journey from debt to wealth — and she was kind enough to share some of her fantastic insights in today’s podcast!

In today’s podcast, Sophie and I talk about:

  • How buying into the myth of “Do what you love and the money will come” can be really dangerous — and what you should do instead.
  • The unique advantages we women have in business.
  • The most important lesson Sophie’s learned on her journey from being in a scary amount of debt to selling her first million pound property.
  • How almost everyone mistakes skills for talents, and why this is so important in your approach to trying new things.
  • Why having a mentor is incredibly important, whether you’re just starting out with something or you’ve been doing it for years.
  • Sophie’s best advice for when things get tough.

List to our interview here

I’d love to know..

 What’s the one thing you’ve been inspired to do after listening to Sophie’s story? Maybe it’s time to finally learn that new skill you’ve been putting off, maybe you’ve decided to find a mentor, or maybe you’ve decided that it’s time to evaluate your wealth mindset…

Whatever it is, I’d love for you to share it below in the comments — let’s all support each other!

And if you want to find out more about Sophie or get her great book on shifting your money mindset, click here.

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Podcast: How Does Money Stop You From Making Your Difference?

By

Joanna Martin

Founder: One of many. Author. Ex-doctor. Entrepreneur. Sister. Sometime Actor. Baby Wrangler. Personal Chef. Mother.

Latest posts by Joanna Martin (see all)

We all want more income – but just having a big pile of money isn’t really the goal – is it?

What we are really wanting are the things money can create for us.

Money creates stress, or freedom. Security or scarcity.

And after a stunning weekend of transformation with the women who attended BeFulfilled Retreat, I want you all to feel the possibility of freedom without your finances hemming you into certain decisions or directions.

I invited Ann Wilson to give us a talking to around finances on my podcast this week. Ultimately we want to live a life we love, while we create wealth – a life full of adventure, experience, joy, friendships, love and contribution.

So we discussed;

  • How money issues stop us from making our difference in the world.
  • How to increase income without working harder
  • Why “no-one ever earned their way to financial freedom”
  • Whether we should start investing at the same time as we are focusing on increasing our earned income
  • How important budgeting really is to financial success
  • How to have conversations with spouse about money

Listen now: