Money Sense for Life

Last night’s beautiful moon! 🌕 I love nature and it doesn’t cost me anything to enjoy it.

Find things that cost you nothing and bring you lots of joy.

Your financial health is important and so too is your physical and mental health. This is my lunch salad I made today. So yummy!

Working in my garden is so beneficial:

* It gets me out in nature. I hear the birds chirping and see them flying around so happy that it’s summer. I feel the sun on my skin.

* It provides an opportunity to create something beautiful that I can enjoy all summer long and my guests can enjoy when they visit.

* Better health: both mental and physical. The physical activity of digging, weeding, walking around the yard is good exercise and a great mood booster.

* And a big plus: Because I plant perennials in my flower gardens, they’ll return year after year, so my gardening expense will actually shrink over time!

What's the first step to growing your money?

You Grow!

That means:

* Learning new ways of being in a relationship with money

* Being willing to feel uncomfortable

* Changing patterns and behaviors that no longer serve you

* Taking action even when it feels hard

* Practicing who you want to be with money--every day.

Take the first step!

Consistency is the key.

What are you doing with consistency?

* Saving money or spending it?

* Behaving in ways that contribute to financial abundance or to financial lack?

* Paying attention to where your money is going or giving your attention to something else to satisfy you in the moment.

* Sticking to the strategy that you put in place or reverting to old patterns.

Whatever you're doing in your relationship with money, you're doing it with consistency, either consistently making decisions to keep you in the same place or consistently taking steps toward financial peace, health and wealth.

What can you do different, with consistency, for a more peaceful and prosperous financial life?

Need support? DM me 'consistency' for a free 20-minute money chat.

Changing money behaviors takes time. It takes patience and persistence on your part.

You've got to want to be someone else with money and not the same person you've always been. That's how change begins.

This month's money insights and tips focuses on "How To Change Your Money Behaviors."

If you aren't on the list to receive my monthly money tips and would like to be, send me a DM to let me know or go ahead and click the link in my bio.

Ways to Increase Your Cash Flow:

* Find another revenue stream: A part-time job or a side-hustle like pet-sitting, dog walking or selling items on Facebook Marketplace.

* Spend less: Let go of the idea that you want stuff that you know you don't really need. That thinking is from a limited place.

Be willing to sacrifice now for a better financial future. Later, you’ll be able to afford those things you've always wanted.

* Create a debt payoff strategy for your credit cards: If you consistently carry balances on your cards, besides throwing away money every month on interest, the amount you pay each month is similar to a fixed payment--like a mortgage--that remains a part of your monthly expenses for years.

Credit card debt puts a super tight squeeze on your cash flow, limiting your ability to focus on your other important financial goals and making you feel like you're never ahead.

* Pay attention to your thoughts and emotions around money: Winning with money isn't all about the numbers. Financial success is largely made up of the way you think and act with money. Do you spend most of your time in a victim mindset or a warrior mindset?

If you're living in a victim mindset, you'll make money decisions that align with that identity.

If you're living in a warrior mindset, you'll make money decisions that align with that identity.

The good news is that you get to choose which one you want to live in. You don't have to continue choosing the same identity every day with money if it's not getting you the result you want.

Need support, reach out anytime.

Create a budget, spending plan, money plan, whatever you choose to call it.

You've heard it all before.

And, until you create one, you aren't in control of your money or being deliberate in telling your money where to go.

If you haven't created a money plan, you likely aren't tracking your spending either, so it's just a guess on what you spend every month.

I've lived by a money plan every year from the age of 32, after my husband passed away, and it's why I've been able to build the wealth that I have.

Your money plan is something you create, in alignment with your dreams and goals. It's not to restrict you, it's to empower you. Remember that.