MONEY IS GOOD

Courtesy of Lenny Credit

As you work your way to another level, lets remember something while we are bettering our money life: MONEY IS GOOD! Place note cards around your house with this statement, affirm it all day and when others say contrary, remind yourself that MONEY IS GOOD. This part of your money work is very important because as you continue to believe that money is good, you will attract experiences that will confirm your belief. 

I know that you have heard directly or indirectly that money is the root of all evil. This is one of the most misquoted words in the bible. It is the love of money above your God (Spirit, etc.) that is considered evil. No wonder a lot of people would do whatever it takes to get rid of the money; yet on the other hand once that money is gone, moaning and groaning about not having any starts. 

Each week, I want to help you to heal the inner that keeps money at bay from you by posting these messages. No matter how much money you receive, if your inner is not matching your outer, the money becomes elusive. So it is very important to take each post I write and be very serious with it because we have to make peace with our past money situations. 

You must surround yourself with those who can help you to become a better money steward. Those you have been filling your head with negativity involving money need to be let go in peace. These people can keep you from attracting the abundance and prosperity. Forgive yourself for your money beliefs and please do not beat yourself up for having them. If you knew better of course you will do better. 

Question each and every belief around money and turn them around with an answer. Those answers will help you to take control of changing your thinking, then change your life. Congratulate yourself on every positive action you take involving money such as building your savings account, sacrificing those weekend hangouts for putting your money away for a business venture. You get the jest. Get professional help if needed and this is not a negative thing because you want a better life. 

Remember, MONEY IS GOOD and until next time....

Be Frugal and Proud,

Dot

More Articles and Sources

*Financial Independence: Why Money Is Good

*Money is Good

*I Love Money, Money Is Good - Hypnotherapy - YouTube

EMOTIONS AND MONEY

Courtesy of dollabuzz

When it comes to emotions and money, self-control and discipline is much needed all the time. You see, you can sometimes think that you need that particular item and later learn that you only wanted it. in other instances, you may feel that you are entitled to that designer handbag which is not in your budget just because you worked hard. That new car you have been lusting after is in your focus despite the fact that the car you currently drive is paid for and running great. Your friends are taking vacays to the islands and you want to go badly so you skip one bill and put it off until next month (knowing that interest charges will double on that bill). The paralyzing fear of not having enough to pay next month's bills...

The above scenarios are ways in which our emotions can rule over how much money you spend, save or don't save as well as your fears and expectations of how money rules your life. Below shows the fears of Americans surrounding emotions and money:

Courtesy of Eventbrite

Lets find ways in dealing with emotions in order to deal with money effectively. The following suggestions can help:

1.) Know where you stand in your money situation regardless of the fears or apprehensions. This way, you can  begin to take action on it.

2.) Do not compare your situation with others. They are not you and you must take responsibility for your actions.

3.) Create a budget and stick to it. You will see where your money is going without guessing. Set up a payment plan and make sacrifices in order to meet your debt free goals.

4.) Do not be embarrassed by your situation; you created it and you can fix it. Seek counseling in order to help you get on the right track with your emotions.

5.) Distinguish a need from a want. Really analyze the difference between the two. If the particular thing you want does not fit in the budget, let it go. Concentrate on your needs first and foremost, like shelter, food and clothing.

Put first things first when dealing with money. Yes, we need it to live but it does not have to be a depressing subject. Tell me what you think about emotions and money in the comments and be sure to subscribe in the right hand column. Until next time....

Be Frugal and Proud,

Dot


More Articles and Sources

MONEY AND EMOTIONS

TAKE THE EMOTION OUT OF MONEY

MONEY IS NOT ABOUT FINANCES; IT'S ABOUT EMOTIONS

THE ENVELOPES PLEASE!

Courtesy of moneycrashers.com

The money envelope system is one which monies are allocated in separate labeled envelopes. It is the second step after writing out a detailed budget. The third and last step is by allocating amounts to these envelopes, you can see and feel the money to be spent. Once the monies are spent for that budget period, you must wait until the next budget period to repeat the process. 

As you can see in the picture above, each envelope is labeled for what is to be spent on. I feel this is a very good system because you know that each expense is taken care of easily. In some cases, there have been people who have had monies left over which is a great thing! They immediately place that money into a jar for having money in the house or carry the amount over to the next budget. Even in some cases, spending money has an envelope as well so that the budget stays on track and no monies are taken away from it.

The envelope system is not for those who are not into details but for those who are serious about where every single dollar goes. If you use the envelope system, let me know how you are doing with it by commenting below. Until next time....

Stay Frugal and Proud,

Dot

Articles

Dave Ramsey.com

The Ultimate Guide to the Cash Envelope System

Budgeting with cash: How to make the envelope method work in 2018

SAVE THOSE COINS!

Saving coins has been done since the beginning of coins being used for currency. You can probably remember your parents saving their leftover change in a mayonnaise jar until it was full. They counted their change then deposited it in their savings account. This practice kept going throughout their retirement and beyond. Once their balance added up, it was amazing how much money was accumulated through those years. Today, this same practice is done by hundreds of thousands of people.

Many may discount that small change would not add up to much. With consistence and discipline, you can accumulate a lot of money to use to:

*Pay off debts

*Invest in the stock market

*Buy that item you feasted your eyes on

*Save to have money for emergencies

You can use a mayonnaise jar or water jug; here are examples below:

The one on the left is the basic water jug used in water coolers and the one on the right (courtesy of amazon.com) adds up the change as you place it in. A piggy bank is fine as well. Start with pennies first, then move to the silver. Please do not fuss about starting the process and find it beneath them because that change changes into paper (dollar$).

Please leave your comments and share. Until the next post....

Stay Frugal and Proud

Dot

More articles:

Don't laugh, the piggy bank strategy works-USA Today

An Introduction to Saving Money

5 Clever Ways to Trick Yourself Into Saving Money

THE JOURNEY TO SAVING...FINALLY!

Courtesy of familyfriendlysearch.com

Oh boy, beginning a discipline with saving money. I was never taught saving growing up because in one ear it was "can't afford it" and in the other ear, "I'm broke". This coming from my parents at the time and continued throughout my teens and adulthood. Unfortunately, I carried these beliefs even after having a child. Even if I attempted to save at the local bank, I felt at the time that I could not and used the money as fast as I saved it. 

After a series of "events" which included homelessness, I had to get a clue and I mean a serious clue. No matter how much one has good intentions, we must set forth actions that show that ones' intentions are good period. I began a journey of learning what was going on in my belief system to cause me to have episodes with money. I had to do a time machine of my life and found out that growing up and listening to well-meaning people like family and others was something I had to heal. It took discipline and time yet I was ready to do it. 

As years went by, I got a clue about money yet as the layers peeled back, the dominant thought was FEAR! It was the thing that held me frozen. As I changed my beliefs, things began to change but I had one foot on the brake and on the gas. FEAR was the culprit. I then began to dig deeper and questioned those fears and am now healing them.

This morning, I looked into my savings account, yes a savings account and found money in it. I felt relief instead of fear and look forward to more. All it took was changes within and go beyond my fears, doubts and worries. On my journey of frugality, healing helps a hell of a lot because you can be frugal as well as abundant.

Please share your thoughts in the comments and always be frugal and proud!

Dot

YES I AM FRUGAL, SO WHAT?!

Courtesy of daveramsey.com

There will be those "well meaning" folks that will tell you that you can not take money with you when you pass away. There will be those who will call you cheap, tight-assed or stingy (frugal people are not these things) because you are not spending thousands of dollars on trips that they put on their credit cards (you would rather save for it). Those brunch dates with that circle you used to hang with has gotten smaller (you are not longer joining them, you'd rather cook that brunch at home). Or what about going to the outlet mall near you and rack up because you chose to pay 50 to 75% off (because you choose to not pay retail). This is the life of a frugal person and they do not care what you think....period.

When you are on the path of being frugal after being so broke that a penny seems like a million dollars you change your mindset quick. Those old demons of spending may come up but you tell it "get behind me assholes" (oops...sorry). You have grown tired of the layoffs and not having that cushion to help you through as you file unemployment. You had to learn the hard way because you grew up without the tools to help you become financially solvent. You pretty much had to learn to ride the bike and fall until you got it. 

Making changes in your mind to be a better money manager can be a challenge but sticking to it will cause it to work. This is part of my story and in many posts, I will share more because it was time to become transparent. Thanks for reading. Be frugal and proud!

Dot

WELCOME TO FRUGAL AND PROUD!

I am so glad that you are here! This idea came to me as I was resting...yeah relaxing (entrepreneurs do rest 😊). I wanted to share my thoughts and actions on being a frugalista (frugalistos for guys) and learn from others in the process.

Please share with your fellow folks on the path to long term frugality and even those who want to go on the path and need help.

Posting will be once a week and more, so please utilize these ideas and please share in the comments. In the meantime, please read the former posts that can help you with money.

Be frugal and proud!

Dot

BROKE? FIX IT YOURSELF:BE WEALTHY

By: Carina MacInnes

If you're reading this right now you probably have been broke, are broke, or know someone who is struggling with being broke.  The pain and suffering of being in this state is truly awful.  Being broke causes thoughts of despair, feelings of failure, desperation, struggle, lack and need.  Being broke prevents us from reaching our potential, from living our lives freely.  Being broke prevents us from being wealthy.

How is this possible?  Like attracts like.  Being broke attracts more experiences of being broke.  It is a vicious cycle, once that can very easily be transformed once we understand the fundamental laws of how our mind and spirit interact with the universe.

It is your underlying state of BEING, in this case, being broke, that creates the resultant thoughts and feelings in your mind.  As a package, this whole message is broadcast to the universe, which in return gives you more of the same:  experiences of being broke.

One of the laws of manifestation is that we must BE before we can DO, and DO before we can HAVE.  Of course modern society has twisted this all around.  Being broke is a powerful message we are sending to the universe and ourselves.  We are in a state of BEING, and it is broke.  This will inform our actions to act in ways to continue to be broke, and we will continue to have this condition of being broke in our lives.

Your life experience is an outer reflection of your inner reality.  All the thoughts and feelings you hold, consciously and unconsciously, are what create the experience that is your life.  Your past created your present, and your present is creating your future.

It can be hard to understand that we are responsible for what we experience.  I remember being unhappy, and then experiencing events that I perceived as causing me to be unhappy.  Then I would say to myself, I am unhappy because of this...  no wonder I am unhappy.  I was trapped in my own vicious cycle and had no idea it was me who was responsible for my experiences of unhappiness. 

To break the cycle I first needed to know what was broken in order to fix it.  It was the message I was sending out.  I found there was a very simple way to fix it.

If I notice one day that I am unhappy, and understand that BEING unhappy is the cause of my continuing experience of unhappiness, it is that day that I can choose to change.  All I need to do to break the cycle is:  choose to be happy.  It doesn't take anything from outside myself to be happy.  All I have to do is gain awareness, pause, and pull up from within myself the state of being happy, replacing the unhappiness.  We all have this capacity.

Choosing is an exercise of free will.  You can choose BE happy, healthy, wealthy, whatever you desire.  Take a moment and just BE happy.  It is possible for anyone to do and a very powerful exercise once you have done it and understood it.  If you are being happy, you will do things that make you happy, and you will attract happy experiences into your life.  Being happy is the first step towards living a happy life.  It seems almost like a riddle, but understanding it unravels the secrets of life.

If you find yourself broke, look within.  You'll find you feel broke, and are in a powerful state of BEING.  The awareness of this gives you the choice.  You can choose your state of being.  Imagine what it is like to feel wealthy.  Take that feeling and hold it, you are now BEING wealthy.  This is how to break the vicious cycle of being broke.  By BEING wealthy, you are now transforming the signals you are broadcasting.  You are emanating wealth and the laws of cause and effect have no choice but to bring to you what you already are.  Now your actions will begin to bring to you the wealth you feel inside.

By being conscious of your states of being, you can choose to change them.  The positive results will return to you without fail, following the natural laws of the universe.

Author Bio
Carina MacInnes is an author and entrepreneur who is giving away a free e-course with  wealth secrets by her favorite mentor. Receive it now: milliondollarsecret@robotreply.com She offers a powerful way to increase both health and wealth in your life.  See her site here: imagineacai.com

Article Source: http://www.ArticleGeek.com - Free Website Content

BEING SMARTER FINANCIALLY IN 2018

Lots of people have made creating smarter financial goals as a priority to work on for 2018. Trouble is, for those who have been taking the bull by the horns regarding spending, fear seems to grip them. Where does one begin when it comes to being financially smarter this year, so that it can carry for years to come? I did some research because I am working on this goal myself and what better way to share my tips with you to get you started:

1.) Write your financial picture down- this means your earnings, assets and debt (every person or company you owe, leave no stone unturned). Afterwards, read over what is before you because you can not take action unless you know where you stand. The information  may make some of you cringe, get mad or just sigh. Let this go because you were brave enough to face it and to do something about it.

2.) Set up a budget plan-  that word budget scares a lot of folks because the first thought that may come up is deprivation. If you budget wisely and with a great attitude, you can feel really good about it and come out ahead. Click BETTER BUDGETING FOR 2018 for more information

3.) Create a money jars system- this system was introduced to me through T. Harv Eker's book, "Secrets of the Millionaire Mind". It does not matter the amount you start with, it is the habit of doing it daily. You will be surprised how your money will build just from starting with little.  For more information click here MONEY JARS SYSTEM.

4.) Pay yourself FIRST-  you are the most important product and you must get paid not only from your job or business but to yourself. Get an automatic savings plan at work or have your bank deduct a specific amount from your business account that can go into your own personal savings account.

5.) Prioritize your spending- Do you really need another pair of shoes or dress? That money can help pay off your student loan or credit cards. This is what prioritizing is all about. It may seem tempting yet you will feel really good when you are debt free and your savings grows.

These tips are just a few that can help get you started on your way to financial freedom. For other tips, please go to Instagram and follow these savvy financial folks:

@citygirlsavings

@financialista

@spiritualmoneyhealing

@cjthemoneyguru

Tell them @prosperous1__ sent you and I congratulate you on reading and taking your financial picture seriously. Please comment below and I support you!💓