Deeper Than Money

How are your thoughts keeping you broke?

How are your thoughts stopping you from the results you dream of? 

And how can you change them? 

Watch this: https://www.youtube.com/watch?v=mcMjdSk9EfY then tune into this week's episode of the Deeper Than Money Podcast. 

Bye Inner Mean Girl! Challenge: https://deeperthanmoney.mykajabi.com/bye-bye-inner-mean-girl-hello-cash-flow

1) Remember that shopping just bc of deals is not "saving." It's spending

2) Plan out a christmas list & find items you need NOW & then save the links and buy on black friday. 

3) Think about things you will need in 2020-- wedding gifts, bday gifts, etc. 

4) Bulk purchases or big purchases--wedding stuff (cups, coozies, etc). 

5) Shop from your couch--less tempted by "window shopping." 

6) Set a "for fun" amount & stick to it (just make it realistic)

7) Shop in privacy mode or w/ cookies disabled 

Get excited about wealth and everything surrounding wealth -- including other people's purchases.

Write out your perfect day. 

What are you currently doing? What looks different from this?

What can you start implementing today? 

What can you start working towards today? 

Remember to like and subscribe & leave a review to the podcast!

Are you saving? Or actually just spending?

1) Was I already planning on buying this?

2) Does this purchase align with my short term and long term goals?

3) Am I prioritizing the spending of something that is not a priority for me?

4) What feelings am I ignoring in order to feel happy from shopping?

And now before I jump into ways you can ditch the impulse spending, I want to tell you about my new course!

MISSION IMPULSIVE: How to Stop Over-spending & Sabotaging Your Goals is now $197 ($200 off!) for a few weeks ONLY! Normally $397 (jumps up Nov 1).

Identify your triggers: 

1) Instagram adds? Click hide add. 

2) Accounts that you follow? Mute them or unfollow. 

3) Unsubscribe from app alerts or marketing emails. 

Spending is not bad. 

But if you are someone that has BIG GOALS but ends up never reaching them because you are an impulse spending queen, it's important that you become a conscious spender. 

Click here: https://deeperthanmoney.mykajabi.com/mission-impulsive to enroll in Mission Impulsive!

SPENDING IN THIS INDUSTRY

-if you're really abundant...you will spend excessively, wastefully or recklessly?

Now... here's the kicker tho: I don't mean that spending is BAD. 

But if spending a looooot of money is abundant for someone else and THAT is what serves them at a higher purpose...it doesn't mean that that is what abundance has to look like for you. 

and let me get this straight--there's nothing WRONG with spending. 

But if that isn't what serves you...it's not what abundance has to look like rn. 

Maybe abundant for you is paying off loans, saving for a home WHILE still having fun. 

Stop letting what other people are doing to enjoy, celebrate success and be abundant HAVE to look like your version. 

My previous corporate employers has had some big lay offs recently, and it really made me reflect on my time at corporate.

While yes, it is a "steady income" you aren't guaranteed anything when you're working for someone else. 

That's not to scare you into entrepreneurship, but it should get you thinking about two things. 

1) multiple streams of income 
-dog walking
-plasma
-realestae 
-biz owner
-side gig
-VA
-investing

2) EMERGENGY fund
-one month of expenses
-8 months of expenses just chilling
-shit will happen, be able to RELAX

I don't want to scare you into this. I want you to be able to live completely unattached to your paycheck and not depending on it in a way that would be detrimental if it stopped. 

BONUS: If you are looking for a new job, but scared to quit and transition bc it'll cost you, this is also a great time to save up: 

Negotiation Accelerator: Starting salary edition use code: "PODCAST" and get 15% off! 

https://deeperthanmoney.mykajabi.com/salary-accelerator

Awesome Treat Yo Self Categories
-Go on a walk 
-Read a book before bed
-Close your laptop by a certain point every night

Crappy treat yo self Categories
-Screw my budget I will impulse spend $500 at target
-Screw my workout I am just going to go home instead
-I'm going to buy starbucks or lunch out bc i was late and didn't prepare ahead of time

When we act out of a place of instant gratification (like children), we think we are adding to our happiness, but in reality, these aren't actually helping our bigger picture goals. 

New Treat Yo Self
-investing a higher percentage in your retirement
-planning out a shopping spree & then taking one
-taking a planned rest day from working out
-planning out what you'll spend at starbucks & then buying it

I want to reiterate that wanting something and buying it isn't a bad thing, but often times this "treat yo self" movement isn't actually treating you long term, it's just a glorified way to say self-sabotaging. 

Make a list of the things you do when you treat yo self & see which ones are actually you self-sabotaging. 

Create a new PLANNED OUT, self-advancing, exciting and guilt-free way of treating yourself instead. 

It's not treating yourself if afterwards you feel sluggish, guilty or mad at yourself. 

Treating ourselves should be a part of our planned out spending and our planned out activities. 

So, friend, treat yourself in a way that actually treats yourself. 

Friends & family discounts, charging your friends and so much more. Should biz owners charge their friends and family? Should non-biz owners expect product/advice for free or discounted from friends and family? Where do these "rules" come from anyway?

Recently two thing happened that blew my mind.

1) A client of mine quit her job.

2) A client of mine said, "I never realized how much I didn't like my job until I had the flexibility to consider other options."

Money will keep you stuck. 

Try these tactical steps to getting "unstuck" 

Step One: Play the game...if money were no factor _______

Step Two: What are 3 tactical things that would move you toward that goal

Step Three: What would my finances have to look like to __________

Step Four: What is my plan to get there?