Manifesting Success Stories A Law of Attraction Show

Getting Dressed Has Never Been So Easy!

Lee Heyward, Author of Strategically Suited, is a Image Strategist and Stylist and today we are going to talk about image, your future self and investing in your clothes.  

What is an Image Consultant? Lee helps you use your image to get the specific strategically result you want.

Dress For Success

What does this really mean? Most people’s closets have segment - work clothes, play clothes, workout clothes, speaking clothes, etc. (or whatever your segments are) instead of figuring out who you are and then dressing that way in all those scenarios of your life.

It comes down to two things:  1)focusing on who you want to be and 2) how do you want to feel.

One thing that Lee recommend is picking 3 words that describe how you want to feel in a moment that matters. What this does is help you with a new awareness to look for clothes that make you feel these ways. Choosing your words helps you be disciplined to buy those things that make you feel the way you want to.

This ties into what I teach my clients about their future self and tapping into their 3 feelings of who they want to be so throwing in how you feel about how you dress is perfect.

Does Dressing How You Want To Feel Have To Be Expensive?

It does not need to be expensive, but how your clothes look and it is perceived need to match the client you want. When a person comes to me and says, “I am going to change your life and charge you $100K to to it”, there is a mismatch when you are wearing all clothes from Target. This might make people question the value you bring and people might not want to take a risk on you.

You need to look like someone has paid you what you are asking.

Know Your Cost Per Wear

Think about why people go shopping: 1) fun, social thing 2) you need something. Here are Lee’s 4 steps at determining cost/wear:

1. Look for thing you can wear to your event or occasion.
2. Ask how many times you will wear it or how many different ways you can wear it.
3. Take the total cost divided by that number = cost per wear.
4. Sometimes more expensive items is a better investment than the $20 thing you wear once and give away three weeks later.

Most people go to the clearance rack and be like “It is on sale”, but they don’t love the items they buy. It isn’t about the amount, it is about the hunt for the perfect thing for you.

It will then become about strategy and how you will use that item(s) in your closet:

1. How quickly can you get dressed in it.
2. How is it going to help you portray yourself.

Be Purposeful and Patient In Your Shopping

You can still shop at your favorite store, like TJ Maxx but you have to be purposeful in what you pick out. Don’t just fill your shopping bag to fill your bag. You must be willing to walk out with nothing.  Leaving with nothing is hard for some people as it doesn’t mean anything is wrong with you or your body - it only has to do with what you need as not in that store. Keep going.

Understand that people blame their bodies for a lot - wrong size, not being where you want to be but clothes made off of fit models and the general shape they are going to be proportionally.  That is why some brands fit and others do not.

Do not buy things that sorta fit or sort of OK.

Clothes need to make you feel like you are rocking your world internally and externally attracting the right people to you.

See A Bigger Version Of Yourself

It all comes down to one word. Alignment.

The entire way you present yourself - how you drive, how clean your car is, how you dress, how you present yourself, etc. all add up into how people perceive you and you are in total control of that.

• Where are you going?
• Where are you now?
• How do you want to feel?
• Who do you need to be to connect those dots?

There is now official checklist to follow if you want to be a speaker, a million-dollar earner or any other title you can name.   Your clothes must make sense for you and it needs to match your words. For example, a white button down shirt is not fun, exciting and confident.

Lee helps you figure out what your chosen words really mean to you so that you look and feel your best.  She recommends jumping on Pinterest and pinning all kinds of clothing items that make you a certain way.  This helps you get a visual image of the feeling(s).

Growth Is An Evolution

Be open to keeping asking yourself this question, “Is this the best version of me”?

1. Try Stuff On - even the stuff that you think you could not do. If it caught your eye, try it on. It could end up being “the thing” that helps create the image you want.
2. Learn As You Go - learn how things fit your body and how they make you feel.
3. Be The Person You Want To Be From Your Own Closet - realize that you have things that are “perfectly good” but aren’t going to get you where you want to go
4. People Only Wear 20% of What They Own - You go the same set of things all the time.

Be Ready For The TV Concept

If your goal is to be on TV, you should have a TV Ready Outfit in your wardrobe that makes you feel good.

Always dress for who you are but it just depends on where you are going. Your clothes should provide an essence of who you are.

How Do You Pick A TV Outfit

You never know what the background is. If you can watch the station you are going to be on and look at their backdrops.

Be comfortable sitting or standing.

Wear something that shows your shape so you don’t look hidden in your clothes.

Pay attention to the colors you wear.

How Does Lee Help Others Step Into Their Future Self?

She teaches them to know where they are going, ensure that their clothes make them feel the way they want and embrace the “You either love it or you leave it” motto in life.

You can connect with Lee and get a complimentary copy of her book at leehayward.com. On her site there is a calculator that will help you determine how much money you’ll make when you up level your image.

Have you ever tried something and didn’t succeed the first time? Learn how Rekka successful changed her money mindset.

Old Money Story: I Am Bad With Money

New Money Story: I Can Do Anything

REKKA CHANGED HER MONEY STORY & CREATED ABUNDANCE IN HER LIFE

Rekka Jay is a 37 year old Graphic Designer by day and Author by night. She has a fiction trilogy being published in January 2018 along with many other writing projects. Ultimately, she describes herself as a “keep myself busy kind of girl”.

Growing up, she held the belief that she was bad with money because it was taboo to talk about.  No one ever told her she was bad with money, she just believed it as her own truth. She thought it was simple as arithmetic but when it wasn’t she felt out of control with it.

If she didn’t have control of her money, she assumed she was naturally bad at it.

The more she thought this, the more it became true.

REKKA WANTED ME TO BE RESPONSIBLE FOR HER MONEY STORY

Rekka joined Manifest 10K after hearing a podcast I did with Elle Russ.

During this first attempt at taking the Manifest 10K course, she was manifesting but found herself “stopped” about halfway through the course when it moved from daily instruction to the point where it was time for her to life this life she was creating.

As a participant, she put the responsibility back on me as the instructor for not holding her hand every day. It was a on a podcast with Ginny Gane that Rekka heard me say, “If you are blaming someone else, turn it around and look at yourself”. Rekka did that and gave Manifest 10K a second attempt.

REKKA HAD TO GET CLEAR ON WHAT SHE WANTED NEXT

In redoing the coursework, Rekka’s challenge was to let go of what she thought she knew the first time.  She remembered my advice of “leaving the old behind and just create new stories”.  

Much changed for Rekka between her first attempt to do the course and the second time. Her plan was to be a self-published author the first time but since then she got an offer from a publisher. This was a wonderful thing but now Rekka had to work on getting clarity as it didn’t look like she thought it would. This happens often in manifesting. Things show up differently than expected.  This offer made her decide what she “really wanted” which was simply to share her book with others.

Since that goal was complete, Rekka now had  to look at what she really wanted besides her book being published.

MONEY STARTED SHOWING UP FOR REKKA IN RANDOM PLACES

In her old money story, Rekka would leave money she saw lying on the ground but with her new awareness around all money, she picks up all pennies she finds. Rekka shared a story showing how new money is just showing up in her life.

Randomly at a doctor’s appointment a stranger asked Rekka and her husband if they knew anything about “the pennies”. This woman told Rekka that everyday someone stacks pennies all over this particular office building in the hallways. These piles of pennies were creating curiosity throughout the building. This was just ano

Have you ever tried something and didn’t succeed the first time? Learn how Rekka successful changed her money mindset.

Old Money Story: I Am Bad With Money

New Money Story: I Can Do Anything

REKKA CHANGED HER MONEY STORY & CREATED ABUNDANCE IN HER LIFE

Rekka Jay is a 37 year old Graphic Designer by day and Author by night. She has a fiction trilogy being published in January 2018 along with many other writing projects. Ultimately, she describes herself as a “keep myself busy kind of girl”.

Growing up, she held the belief that she was bad with money because it was taboo to talk about.  No one ever told her she was bad with money, she just believed it as her own truth. She thought it was simple as arithmetic but when it wasn’t she felt out of control with it.

If she didn’t have control of her money, she assumed she was naturally bad at it.

The more she thought this, the more it became true.

REKKA WANTED ME TO BE RESPONSIBLE FOR HER MONEY STORY

Rekka joined Manifest 10K after hearing a podcast I did with Elle Russ.

During this first attempt at taking the Manifest 10K course, she was manifesting but found herself “stopped” about halfway through the course when it moved from daily instruction to the point where it was time for her to life this life she was creating.

As a participant, she put the responsibility back on me as the instructor for not holding her hand every day. It was a on a podcast with Ginny Gane that Rekka heard me say, “If you are blaming someone else, turn it around and look at yourself”. Rekka did that and gave Manifest 10K a second attempt.

REKKA HAD TO GET CLEAR ON WHAT SHE WANTED NEXT

In redoing the coursework, Rekka’s challenge was to let go of what she thought she knew the first time.  She remembered my advice of “leaving the old behind and just create new stories”.  

Much changed for Rekka between her first attempt to do the course and the second time. Her plan was to be a self-published author the first time but since then she got an offer from a publisher. This was a wonderful thing but now Rekka had to work on getting clarity as it didn’t look like she thought it would. This happens often in manifesting. Things show up differently than expected.  This offer made her decide what she “really wanted” which was simply to share her book with others.

Since that goal was complete, Rekka now had  to look at what she really wanted besides her book being published.

MONEY STARTED SHOWING UP FOR REKKA IN RANDOM PLACES

In her old money story, Rekka would leave money she saw lying on the ground but with her new awareness around all money, she picks up all pennies she finds. Rekka shared a story showing how new money is just showing up in her life.

Randomly at a doctor’s appointment a stranger asked Rekka and her husband if they knew anything about “the pennies”. This woman told Rekka that everyday someone stacks pennies all over this particular office building in the hallways. These piles of pennies were creating curiosity throughout the building. This was just another sampling of the new ways money is showing up for Rekka.  This story shows the shift of who Rekka is now being with money. Some random person was asking her for advice about money.

In fact, Rekka calls pennies her manifestation pixies because they remind her she is manifesting all the time. She laughs as she says, “It is not just a penny, I have a whole jar of pennies that come find me because they love me as I am good with money” vs. her old story of “I am not good with money”.  Rekka said not only is she finding more pennies but 98% of them are twinkling and shiner for her versus old and grimy.

Finding random pennies are a sign of how Rekka values money now.

REKKA ACTED AS IF SHE WAS A PUBLISHED AUTHOR BEFORE SHE WAS ONE

Her attitude during the Manifest 10K course was “this book is being published” whether or not she signed a publishing deal or not. She was clear on what she wanted. She even hired a cover artist before she knew she had a deal.

Her cover art was on her original Manifest 10K list of something she wanted. In fact, she reached out to the artist she hand-selected but was daunted by the cost of cover art being that her plan was to write multiple books. So in light of that, this artist offered stock photos that might have been in her price point but she knew that was not acceptable either.

As directed by the Manifest 10K coursework, Rekka created a vision board and in doing her due diligence of finding pictures of books that she wanted, she found a new artist that resonated with her style and feel. She reached out to her and never heard back. So she contact two more artist and the price just kept getting better for work she actually liked better. Then it hit Rekka, she needed to follow up with the send artist. She followed up on her webform inquiry she had done weeks prior and got an even better deal with the artist that she loved her work. This cover artist has won a Locust and Halo award for her book cover work this year.

Rekka manifested more than $28,500 savings on the perfect cover artist.

When asked what shifted for her, Rekka said she realized she was focusing on the “how” instead of the fact that she wanted the perfect book cover.

LAW OF ATTRACTION ABUNDANCE SHOWED UP FOR REKKA

Not only does Rekka have a trilogy coming out but she has more new work too.

Rekka’s friend, Carrie Brown, released a cookbook in which Rekka’s graphic design work is on the cover. Within a couple of days of setting the intention to do Manifest 10K Course again, this friend’s book was #1 on Amazon in Frozen Dessert Cookbooks, The Keto Ice Cream Scoop. Rekka’s favorite recipe is called The Sassy Goat ice cream.

One day Rekka got home to find a Thank You Box which included a Nikkon 7200 camera body since Rekka enjoys photography. Before doing the manifesting practices taught in the course, Rekka would not have been able to receive such a gift. She would have felt guilty, reminded herself of her unworthiness and worried about if the person gifting could afford it.

Rekka admitted to having the following belief before:

“I am not good with money, so don’t give me anything of value”.

The good vibe of a gift fizzles if you argue with it or can’t receive it.

Rekka is now helping this author redesign all of her former cookbooks so they all look the same. So she not only got a cool gift but she got additional new work for having the right mindset. Not only did Rekka benefit, this author’s calendar has since opened up for her to do more work that she loves too.

Rekka has reframed her mind in the last year with LOA teachings which has allowed her to embrace big changes while knowing there are better things coming to her. Change is evidence of the ability to move forward. This shift in mindset doesn’t change the circumstances but it does change what will happen immediately after.

REKKA’S ADVICE FOR ABUNDANCE FROM MANIFEST 10K

Stop trying to fix things that are. Just move into something better. Forget the how.

Here are a few additional tips Rekka took from the course:

• She learned to focus on what she wanted, not what she had.
• She learned to ask herself “If I were the person with money, would I have this?”
• She learned to move through her life with a new confidence and belief.
• She learned to declare what was happening in her life.
• She learned to let go of the areas of life she doubted.
• She learned how to leave her baggage behind.

Would you like to live your life like you were on vacation everyday?

Old Money Story:  The Struggle Is Real (AKA: Survival)

New Money Story: Live Like You Are On Vacation

HOW SARAH’S MONEY STORY WAS CREATED

Sarah Kurpel grew up in a divided home. She learned that she had to work hard just like Jenny Phillips who we talked about last week. Sarah watched her divorced mom provide for the family at the cost of barely scraping by and constant exhaustion.  She grew up not liking money because it was a struggle.  She became a money hoarder.

THE KEY TO SARAH CHANGING HER MONEY STORY WAS INVESTING IN HERSELF

Sarah had a desire to be generous with her money but her old story was in the way. Sarah had tried to change her money story prior by taking a few free courses but didn’t get the fullest results she desired. It was only when Sarah decided to invest in herself, in the Manifest $10K course, that she could have elevated results. This is because she became invested in the change. Investments can come in many forms to include both time and money.

SARAH LEARNED TO IDENTIFY ALL THE GREAT THINGS IN HER LIFE.

Sarah was taught to keep an inventory of all the great things rolled into her life that she wasn’t previously taking notice of.  When she did this, she was able make decisions on what things fit her time and finances and the things that did not. In doing this, Sarah has manifested an extra $11,000 in a 45-day window of time.

LIVE LIFE AS YOU WANT IT TO BE LIKE SARAH.

Sarah naturally learned to change her experiences and how she looked at time and money without even realizing it. This shift is what often brings the money to you.

Sarah shifted from money and time hoarder to knowing that there is always enough.  This has impacted her money, time and how others see her. For example, at her work she is an athletic director who has learned to stay relaxed, dress how she wants and in turn, people now see her as a really cool yoga instructor type person even though Sarah still describes herself as a complete type A, controlling personality. What she realized is that she is learning to “be” in every area of life.

Would you like to live your life like you were on vacation everyday?

Old Money Story:  The Struggle Is Real (AKA: Survival)

New Money Story: Live Like You Are On Vacation

HOW SARAH’S MONEY STORY WAS CREATED

Sarah Kurpel grew up in a divided home. She learned that she had to work hard just like Jenny Phillips who we talked about last week. Sarah watched her divorced mom provide for the family at the cost of barely scraping by and constant exhaustion.  She grew up not liking money because it was a struggle.  She became a money hoarder.

THE KEY TO SARAH CHANGING HER MONEY STORY WAS INVESTING IN HERSELF

Sarah had a desire to be generous with her money but her old story was in the way. Sarah had tried to change her money story prior by taking a few free courses but didn’t get the fullest results she desired. It was only when Sarah decided to invest in herself, in the Manifest $10K course, that she could have elevated results. This is because she became invested in the change. Investments can come in many forms to include both time and money.

SARAH LEARNED TO IDENTIFY ALL THE GREAT THINGS IN HER LIFE.

Sarah was taught to keep an inventory of all the great things rolled into her life that she wasn’t previously taking notice of.  When she did this, she was able make decisions on what things fit her time and finances and the things that did not. In doing this, Sarah has manifested an extra $11,000 in a 45-day window of time.

LIVE LIFE AS YOU WANT IT TO BE LIKE SARAH.

Sarah naturally learned to change her experiences and how she looked at time and money without even realizing it. This shift is what often brings the money to you.

Sarah shifted from money and time hoarder to knowing that there is always enough.  This has impacted her money, time and how others see her. For example, at her work she is an athletic director who has learned to stay relaxed, dress how she wants and in turn, people now see her as a really cool yoga instructor type person even though Sarah still describes herself as a complete type A, controlling personality. What she realized is that she is learning to “be” in every area of life.

Do you feel like all you do is work really hard for the money you have?

Old Money Story: Money Chaser
New Money Story: Safe to Step into Trust

Jenny Phillips was a exhausted money chaser. She thought she could have anything she wanted but only if she worked really hard for it. In a very short time, Jenny changed her money story and is living a better life. Her old money story was a stressful because money was always a struggle. Learn how Jenny stepped into trust regarding her finances.

WHERE DID JENNY’S MONEY STORY COME FROM?
Jenny grew up in a big family and her family never knew if they would have enough food or not. She learned at a young age that money was a struggle. She started babysitting at age 8 to provide for herself the things she wanted - school clothes, flute, etc.

What resulted was a lifetime of chase, chase, chase and wondering when the cash cow would run out.

As an adult, Jenny made good money but the cost is that she would give up everything to make sure she had enough and some to spare. The underlying belief “You never know when this is going to run out” ran her money decisions so she only knew an overall picture of what was truly what was coming in and going out. Perhaps you can relate!

With these belief of never having enough money one can’t sit place of gratitude appreciating the thing sand the money that is there.

Perhaps you have the ability to make great money, like Jenny did, but find yourself in overwhelm having not prepared for the future because you are holding onto everything you have for the here and now.

Money doesn’t have to be this difficult.

CONSIDER THE POSSIBILITY IT COULD BE DIFFERENT FOR YOU TOO
Jenny believed in the law of attraction and had some success manifesting in other areas of her life. One day it hit her that she could consider the possibility that her money story didn’t have to be the way it was.

Through the Manifest $10K course, she learned:

A step-by-step process that it was possible to enjoy her money and not have it be something she was always stressed and anxious about.
New ways to look at money allowed a positive mindset shift in Jenny’s life.
Her anxiety was based on her thoughts but with the tools she learned, anxiousness could be a thing of the past.

You can see your money differently too.

Learn how to decide what you want and then make those things a reality. Jenny moved from being single to an engaged real estate investor in less than 6 weeks.

JENNY STOPPED BEING A MONEY CHASER.
- Jenny has learned how to be in alignment with her decisions as a way to balance and comfort herself in those few moments of fear and anxiety.
- Fear is meant to keep you in check.
- When emotions arise today for Jenny, she uses her feelings as information to guide her to what she really wants.
- People who have money, have learned to move through fear and anxiety by taking risks. As they risk, they trust the process and can grow bigger.

As you expand and learn to trust yourself with money, you may not always know what things are going to look like. This is uncomfortable for most people. Jenny in this situation in the past would have pushed in and started implementing and “doing”, today she is alright patience in allowing inspired action to come to her. She believes this process of continual growth will look much differently than what she has ever done before.

CHANGING YOUR MONEY STORY DOESN’T HAVE TO BE HARD

Know your money story doesn’t have to be the way it is now. Being unstuck doesn’t have to be hard. Understand, you don’t have to know everything right now. Just know it is safe to step into trust regarding your money. This might be a new thing for you. Shift your money story in a short window of time like Jenny did by being open to curiosity and possibility.

LEARN HOW TO CHANGE YOUR MONEY STORY
The firs

Do you feel like all you do is work really hard for the money you have?

Old Money Story: Money Chaser
New Money Story: Safe to Step into Trust

Jenny Phillips was a exhausted money chaser. She thought she could have anything she wanted but only if she worked really hard for it. In a very short time, Jenny changed her money story and is living a better life. Her old money story was a stressful because money was always a struggle. Learn how Jenny stepped into trust regarding her finances.

WHERE DID JENNY’S MONEY STORY COME FROM?
Jenny grew up in a big family and her family never knew if they would have enough food or not. She learned at a young age that money was a struggle. She started babysitting at age 8 to provide for herself the things she wanted - school clothes, flute, etc.

What resulted was a lifetime of chase, chase, chase and wondering when the cash cow would run out.

As an adult, Jenny made good money but the cost is that she would give up everything to make sure she had enough and some to spare. The underlying belief “You never know when this is going to run out” ran her money decisions so she only knew an overall picture of what was truly what was coming in and going out. Perhaps you can relate!

With these belief of never having enough money one can’t sit place of gratitude appreciating the thing sand the money that is there.

Perhaps you have the ability to make great money, like Jenny did, but find yourself in overwhelm having not prepared for the future because you are holding onto everything you have for the here and now.

Money doesn’t have to be this difficult.

CONSIDER THE POSSIBILITY IT COULD BE DIFFERENT FOR YOU TOO
Jenny believed in the law of attraction and had some success manifesting in other areas of her life. One day it hit her that she could consider the possibility that her money story didn’t have to be the way it was.

Through the Manifest $10K course, she learned:

A step-by-step process that it was possible to enjoy her money and not have it be something she was always stressed and anxious about.
New ways to look at money allowed a positive mindset shift in Jenny’s life.
Her anxiety was based on her thoughts but with the tools she learned, anxiousness could be a thing of the past.

You can see your money differently too.

Learn how to decide what you want and then make those things a reality. Jenny moved from being single to an engaged real estate investor in less than 6 weeks.

JENNY STOPPED BEING A MONEY CHASER.
- Jenny has learned how to be in alignment with her decisions as a way to balance and comfort herself in those few moments of fear and anxiety.
- Fear is meant to keep you in check.
- When emotions arise today for Jenny, she uses her feelings as information to guide her to what she really wants.
- People who have money, have learned to move through fear and anxiety by taking risks. As they risk, they trust the process and can grow bigger.

As you expand and learn to trust yourself with money, you may not always know what things are going to look like. This is uncomfortable for most people. Jenny in this situation in the past would have pushed in and started implementing and “doing”, today she is alright patience in allowing inspired action to come to her. She believes this process of continual growth will look much differently than what she has ever done before.

CHANGING YOUR MONEY STORY DOESN’T HAVE TO BE HARD

Know your money story doesn’t have to be the way it is now. Being unstuck doesn’t have to be hard. Understand, you don’t have to know everything right now. Just know it is safe to step into trust regarding your money. This might be a new thing for you. Shift your money story in a short window of time like Jenny did by being open to curiosity and possibility.

LEARN HOW TO CHANGE YOUR MONEY STORY
The first step is to identify your money story click HERE for a free guide.

RESOURCES TO CHANGE YOUR MONEY STORY

Manifest $10,000
Guide to Identify Your Money Story
Change Your Money Story Challenge
Write Your New Money Story Course

Cassie Price is a Credit Strategist and Credit Repair Expert at Wealth Generation Collective who offers the Credit Score Builders Lab Course. She can help you repair your credit and understand credit numbers like never before.

Are you looking to thrive with your finances, credit and overall lifestyle design? There is something powerful about having money and credit available to you. The reality is pulling, looking at and dealing with credit scores can be daunting for most people.

Cassie helps people realize and use tools that ultimately give them more money.  

CREDIT SCORES

Let’s start with the basics. Credit scores.

A credit score is really an algorithm based on financial risk. It is common knowledge is there are 3 credit bureaus, Experian, Equifax and Transunion but most people don’t know about having multiple credit scores. You have an auto score, mortgage score, credit card score and they are different for every bureau. There are also are free scores from NerdWallet, Credit Karma and companies such as this. Their scores can be very different from the FICA scores. Your job is to manipulate each one to get to get the highest credit score.  Over a 700, this is a perfect score and you get top tier financing.

• 850, Top Score
• 660-720, Good
• 300, Lowest

Creditors not only do they look at the number but they look at your financial habits. These habits show how you are being and how you walk into a financial matter.  So how do you work all this in your favor?

FIXING YOUR CREDIT

Sometimes, making a little tweak your credit a little might mean you save $20-$100/month.

The part of the credit score you have the most control over is credit utilization. This is the percentage of your total credit available you are utilizing at that particular time. This factors in at 30% of your credit score. For example, if you have $10,000 total credit and you have $1,000 credit you have a 10% utilization. This is where you have some control, if you max out all your credit cards in one month, your credit would lower 100 points and if you pay off all your cards in another month, it would raise 100 points.

Let’s go say you are going to get a car, you want your balances to be really low for a few months prior to a major purchase. You get better items and premium financing.

I WISH MY CREDIT SCORE WERE BETTER

For most people credit scores bring an intense source of shame, no matter what their number is.

Sometimes a lower credit score is a matter of not having the credit history to change your number. For example, Cassie has a client that was in the 750 credit score range but wanted to be near 800. After a simple recommendation to call her credit card company and ask for an increase in her credit limit, this adjusted her utilization ratios and now her score is almost 800.

So what if your score is not as high as this? Pulling your credit score can be daunting for most people. This is about looking wh

Cassie Price is a Credit Strategist and Credit Repair Expert at Wealth Generation Collective who offers the Credit Score Builders Lab Course. She can help you repair your credit and understand credit numbers like never before.

Are you looking to thrive with your finances, credit and overall lifestyle design? There is something powerful about having money and credit available to you. The reality is pulling, looking at and dealing with credit scores can be daunting for most people.

Cassie helps people realize and use tools that ultimately give them more money.  

CREDIT SCORES

Let’s start with the basics. Credit scores.

A credit score is really an algorithm based on financial risk. It is common knowledge is there are 3 credit bureaus, Experian, Equifax and Transunion but most people don’t know about having multiple credit scores. You have an auto score, mortgage score, credit card score and they are different for every bureau. There are also are free scores from NerdWallet, Credit Karma and companies such as this. Their scores can be very different from the FICA scores. Your job is to manipulate each one to get to get the highest credit score.  Over a 700, this is a perfect score and you get top tier financing.

• 850, Top Score
• 660-720, Good
• 300, Lowest

Creditors not only do they look at the number but they look at your financial habits. These habits show how you are being and how you walk into a financial matter.  So how do you work all this in your favor?

FIXING YOUR CREDIT

Sometimes, making a little tweak your credit a little might mean you save $20-$100/month.

The part of the credit score you have the most control over is credit utilization. This is the percentage of your total credit available you are utilizing at that particular time. This factors in at 30% of your credit score. For example, if you have $10,000 total credit and you have $1,000 credit you have a 10% utilization. This is where you have some control, if you max out all your credit cards in one month, your credit would lower 100 points and if you pay off all your cards in another month, it would raise 100 points.

Let’s go say you are going to get a car, you want your balances to be really low for a few months prior to a major purchase. You get better items and premium financing.

I WISH MY CREDIT SCORE WERE BETTER

For most people credit scores bring an intense source of shame, no matter what their number is.

Sometimes a lower credit score is a matter of not having the credit history to change your number. For example, Cassie has a client that was in the 750 credit score range but wanted to be near 800. After a simple recommendation to call her credit card company and ask for an increase in her credit limit, this adjusted her utilization ratios and now her score is almost 800.

So what if your score is not as high as this? Pulling your credit score can be daunting for most people. This is about looking where you are at.  Not looking or knowing where you are at financially comes from the horrible feeling of avoiding the reality of what is. Perhaps you don’t want to open your mail because how you makes you feel.

Don’t panic! A 500 score is not  the end of the world! There will be negative information on your report - pay history, collections, maxed credit cards, liens, late payments, judgements. The good part of this is that is a lot to work with. What Cassie does is challenge everything with the bureaus. When you have negative issues on your credit report, this allows you to  chip away on things you can fix and start have positive pay history.

STRATEGY

Most people who have a 750-800 credit score have a installment payment like a car loan, student loan, or mortgage and 3-4 credit cards with a 50% credit utilization using 2-5% of it every month and paying it off monthly.

Have a rewards credit card for everyday purposes and have a cash back credit card for utility bills, cell phone bills, etc. You want to have credit lines on different networks.

This is a numbers game.

YOUR FINANCIAL FUTURE

Ultimately, you want to become the person where credit becomes important to you because welcoming more money is easier with better credit. Your future self that is powerful with money and they feel good about their credit score.

NEED HELP

Not sure how to improve your credit score on your own?  Join the free course Credit Scores Builder’s Lab.  Work with a credit repair specialist like Cassie Price to challenge and dispute things on your credit score. She can show you the tools to gain positive pay history, what to adjust and what to ask for in getting your credit score where you want it.

MENTIONED IN THIS EPISODE:

Cassie Price has a free course that will help anyone at any stage of their credit at creditscorebuilderslab.com

Credit repair expertise at Wealth Generation Collective.

Save 10% on her services by typing in MANIFEST in the coupon code.

Show Notes: 

00:01 Show Intro

00:20 Cassie Parks Intro

00:26 How To Teach Kids About Money

00:36 You listen to this podcast because you want more money and chances are you have a child in your life that is important to you - own children or nieces/nephews, god children, grandchildren

1:10 You have an impact on the children in your life

1:30 Written a few articles about this topic this week and was on the MomLifeYoShow

2:15 Learn why it is important for you to teach your children

2:58 Fear of managing money doesn’t just go away as an adult

3:47 Grow up with money confidence as a child

4:02 You can change your money story - when you become aware of your story you can shift it immediately

4:26 Change Your Money Story Challenge will help you see what money story has been playing out in real life and the daily steps to change your money story

5:00 Where is not clear as to what your intention is

6:00 Shared pool party story about the friend that put in the address wrong in her GPS

7:12 Parents want to teach kids about money. Ask yourself these questions: What do you want to teach them about money? What kind of adults do you want them to be with money? What are the adults you want to raise? Who are you teaching them to become?

9:48 Teach kids to be a financially successful adults and how to build wealth

10:50 Knowing how to use the tools that are available to you to your best advantage to help you build wealth

11:29 What does financial success mean to you?

11:59 When people don’t have an intention, they don’t make decisions to get them there

12:27 Have that conversation with your partner/parent about who do we want our child to be when they grow up

12:59 Money is part of your entire life and there is really no way to escape it’s impact

13:15 You probably didn’t learn how to be financially successful or build wealth in High School

13:47 Tip #1: Allow Children To Handle Money

13:55 All lesson are worth what they cost

14:10 Children need to interact/handle with money - start with the piggy bank (“This is where we keep money so we know where it is.” and “We make decisions to take it out based on wants and needs”) and this starts to lay the foundation.

15:50 Birthday card money - adult wants to keep that money safe typically and whisked away and that says to a kid consciously or subconsciously “You can’t handle this.” Allow them to handle it so it becomes concrete.

17:20 Allow kids to take ownership of money.

17:44 Money is clean and in order.

17:56 Encourage them to open a bank account and make a big deal about it because they have saved money.

18:42 Tip #2 Mind Your Own Money Talk

18:45 Children are listening and processing way more than adults realize or pay attention to

19:05 You are teaching kids about money all the time by how you interact with it daily

19:29 Ask yourself, “Am I teaching them right now how to be the adult I want them to be?”

19:46 Choose your words carefully when interacting with money and do it purposefully

19:53 Tip #3 Make A Budget With Your Kids

20:13 What does the child need for school? (lunches, sports fees, entertainment, yearbook, clothes shopping budget and anything we forgot)

21:13 After my Mom approved the budget, she gave them a check every month for that month, took us to the bank to deposit that check and responsible for getting out the money we needed and writing checks for the things that checks were needed for

21:48 We were also responsible for balancing the account and making sure there was money in there

21:54 Taught me how to be aware of money, what things cost and make choices

22:20 This felt like the best