Don’t stress about money!

Yeah, I know. That’s easy for me to say.

Well, no, not really. It’s not.

As a matter of fact, like a lot of folks, money is probably the number one stress factor in my life. It is connected to so many other issues: health care, getting out of debt, maintaining adequate shelter (i.e. rent or mortgage), buying healthy food, maintaining a car, helping others in my immediate circle and in my community, travel…travel…travel, and getting this website going and out for the world to experience in the best possible way!

It all takes money. I want to be transparent so you know where I am coming from.  I am a person who is struggling with money right now.

And I also have a confession to make. When I hear people– whether they be well-intentioned friends or personal development gurus in books or online–  say: “Don’t focus on lack! Focus on abundance instead!” sometimes I want to punch them in the face.

Why? Because not having enough money to do all the things that I want to do in life just puts me in a bad mood.grumpy money stress

Also because I know that what they are saying is true.  Grrrrrrr…..

Focusing on the negative (the worry, the complaints, the lack) DOES bring more of the same into my life, into your life, into anyone’s life. This is the Law of Attraction, one of the basic laws of the universe. It is “like attracts like” and “as above so below.” It is “your thoughts create your reality” and all that.

And, like gravity, it’s nothing personal, although it sure feels like it is sometimes!

So how do I—do we—turn this whole thing around?

As I get older, I find myself getting more and more practical. Therefore, these days, instead of spending all my time in my room envisioning, dreaming, planning, and scheming, or on a therapists’ couch rehashing every childhood memory I can recall of my parents’ fights over money, I would rather just get ON with it.

I have too many things to do in my life to let lack of money stand in my way!  Maybe you can relate.

So the “money issue” and abundance in general is THE THING I am taking on as my personal development project for 2016.

To experience abundance in my life on all levels and to actually BRING IN MORE CASH is my ONE AND ONLY New Year’s Resolution.

From the practical to the mystical, I am diving in to the money issue big time.

I am on a one-woman mission to FIGURE THIS MONEY THING OUT and I am committed to healing whatever blocks are holding me back from living an all-out abundant life in 2016!

applause no money stress(Insert thunderous roar of applause here!)

And just how am I going about doing this? Well, I am no expert, but you gotta start somewhere right? So to really get a handle on all this, I figure I need a COMPLETE CHANGE of just about everything when it comes to the themes of abundance and lack and how they show up in my life. From the right side of my brain to the left and from the top of my head to my toes, I need a whole-enchilada make-over!

And I’m going about it in the following ways:

 

#1 CHANGING CONSCIOUS THINKING AROUND MONEY

These are the up front and in-your-face things that I tell myself every day that carry the energy of lack with them like an old, ugly, dried out wart (gross!). They include:

-anxiety and negative talk about money (and self-worth related to money) first thing in the morning;

-anxiety when I go to purchase ANYTHING, even if it is an essential, like toilet paper;

-binge spending in reaction to all this anxiety;

-being jealous about others I perceive as having “enough” money or who I perceive are rich;

-avoiding communicating about money to debtors, my partner, my family and others.

Forward Steps: Read, read, read and then practice, practice, practice changing my thoughts around money! Here are the titles that are by my bed stand as we speak:

The Four Hour Work Week by Tim Ferris

The Energy of Money by Maria Nemeth

The Wealthy Spirit – Daily Affirmations for Financial Stress Reduction by Chellie Campbell

Peace and Plenty: Finding Your Path to Financial Serenity by Sarah Ban Breathnach

Money: Master the Game by Tony Robbins

The Complete Idiot’s Guide to Boosting Your Financial IQ by Ken Clark, CFP

#2 HEALING SUBCONSCIOUS BLOCKS AROUND MONEY

Forward Steps: Using tools and technology to unblock stuck energy and belief systems.

Without getting to woo-woo here, it stands to reason that while there are a lot of things I can do to understand mentally about money and abundance, there may be other, more subtle and completely unconscious blocks that I have no idea about but that continue to ruin my money life nontheless. Maybe I was a financial tycoon in a former life who lost everything in the Great Depression and spent the rest his or her days living out of a car, who knows. The fact is, baggage is baggage, whether we know it is there or not. And because I am in a hurry to clean up my financial house, I want to let other folks (that I trust) do the work as much as possible in this arena.

That is why I am currently working with a program by  MIT-trained engineer turned energy worker Brent Phillips that uses Theta Healing, binaural beats and muscle testing to uncover subconscious beliefs that may be lurking around the concept of money. The audio program is called “Unleash Your Inner Millionaire” and it is worth a looksy.

Is the program working? I really don’t know at this point since I have only been at it about a month or so, but the risk to me is minimal, it takes 15 minutes of my time in the morning and it is rather relaxing to boot!

#3 ALIGNING VALUES WITH SPENDING

Forward Steps: Asking myself about my values and making a list of what they are. Seeing if they align with my spending habits.

This is HUGE. What are the values that I hold most dear? Am I spending my valuable resources of both money and time on those things that align with those values?  Click on over to this awesome interview with financial guru David Bach, author of Automatic Millionaire, to learn more.

#4 KNOWING THE NUMBERS AND ORGANIZING THE MOOLAH

Forward Steps: Working with a financial mentor. Tracking my spending habits for a month. Getting clear aboutbudget which debts I want to work on clearing away NOW and which ones I can put off until later (there is a form letter you can send them—how was I to know?). Creating separate accounts (or baskets) to put things like emergency money, tax money, gift money, vehicle expense, travel money in as well as a “dream account” (my favorite). Oh yeah, and beginning to plan for the day when I actually slow down a little bit (some people call this retirement).

In terms of working with a  financial mentor, I recommend…get one! You don’t have to do all this nitty-gritty budgeting (there, I said the B word) all alone and it may not even cost you a dime! It came as a total shock to me that my credit union, California Coast Credit Union, offers a FREE service to its members to work with a professional financial counselor, someone who can hold my hand and walk me through the nerve-wracking process of laying all my debt and my income out on a spreadsheet.

The process was scary at first but, in this case, knowledge was and is absolute power! My first call with her lasted three hours and we have another one scheduled in February. Check with your financial institution for what services they provide. There are also dozens of non-profit debt counseling services available online. By the way, Cal Coast allows me to set up separate savings accounts for free and name them appropriately. Ask what your bank’s policy is on this. If they charge you for separate accounts, consider switching to a credit union. Credit unions are often more community and client-oriented than large banks tend to be.
So that’s it so far!

And how are you doing with all this work around money, you may ask, a mere month into the New Year?

It has been a struggle at times, truth be told. Mostly, however, it has been one of the most empowering processes of my life!

True, no extra greenbacks  that I can hold in my hot little hands have arrived in my mailbox as yet, but these days I am lighter, more relaxed and, yes, LESS MONEY-STRESSED than I did just one month ago, and that makes all the difference. miss piggy

And, hey, check back with me in a few months and maybe we can do lunch, darling!

 

 

Are you on the journey to financial abundance? I want to hear from you! Tell us about your journey in the Comments section below!