A Budget that Works for You.

Whether it is for your business or your personal life you should always follow a budget.  Even if you make significant amounts of money you should still have a budget.  But before you begin making a budget you need to have a set of goals.

Do you want to be debt free, live on one income, or save for retirement? Make this into your personal or family financial mission statement. Write it down or type it up nicely and then have it laminated and display it in a prominent place where you can see it often. Many times we just need a reminder to ourselves for why we are doing a particular thing, and that can be just enough incentive when things get tough.

Set small range goals so you can see progress. It can be very difficult to keep up the discipline necessary to stay on budget if you can’t see any measurable progress. Develop some short-term goals that you can celebrate meeting. If your goal has been to reduce your grocery spending by $100 per month, then your weekly goal would be to cut grocery costs by $25. Likewise, if your goal is to pay off debt, make a chart to show how much you’ve paid off. Reward charts just aren’t for children! Use a type of chart where you can color in a bar to show your progress, and then color it in every time you make a payment so you can see the progress you are making. Put it up on your refrigerator or bathroom mirror as a reminder that your hard work is paying off!

Next, Identify your weak spots and develop a plan to battle them. In sticking to your budget, you need a clear idea of where you may be tempted to break the budget. If you are prone to impulse spending, then you must remove that temptation from yourself. If you go window shopping, leave your credit cards at home! Especially in the early days of sticking to your budget, it is important to re-train yourself to curb spending.

A good way to prevent yourself from digging yourself further and further into debt is to form a personal budget that can work for you. Many people spend their hard earned money frivolously without having many regards to how much money they will have left before their next paycheck comes. They will often find themselves having no money left and ending up having to borrow from a lender just to pay essential bills or provide for their family. The problem with this type of spending is that you tend to incur debts that will begin to cause added problems with your finances that you become unable to pay off your debts when needed.

If you would like some help with your mindset surrounding money check out my 10 Minute Money Makeover!

 

Help for your healthy eating goals!

Help for your healthy eating goals!

It is the first Saturday in the New Year and I know many people set the resolution of eating better and I am here to help you with that.

Years ago I was trained as a Health Coach at the Institute for Integrative Nutrition which is based on a philosophy of Primary and Secondary Foods.  Primary Foods is the food that we physically consume and Secondary Foods are the other things in life like community and our relationships.  Both are equally important so you will see secondary foods come into the mix throughout my posts!

For today we are going to talk about the basics of primary foods.  The key to the success of any plan for healthy eating is to eat what you like but to exercise moderation when it comes to the less healthy foods.  Improving your level of health and fitness does not mean forgoing that piece of chocolate cake, for instance.  It does mean, however, limiting yourself to one piece.  A healthy diet contains all types of foods, including carbohydrates, proteins, and even fats.  The key is choosing foods that provide the best combination of taste and nutrition.  After all, if your diet consists of foods you hate, you will not stick with it.

I also teach the concept of gradually adding the better foods while gradually eliminating the not so good foods.  This way you have a better chance of success and sets you up for long-term health.

My two basic primary food suggestions are:

1 Purchasing organic as often as possible is always recommended but I realize can be costly and not always available where you live.  A good plan is to follow the Dirty Dozen list.   The ones with the most chemicals you should always try and eat organic.

The 2017 Dirty Dozen list from EWG (2018 not published yet but typically does not change a lot)

1.  Strawberries

2.  Spinach

3.  Nectarines

4.  Apples

5.  Peaches

6.  Pears

7.  Cherries

8.  Grapes

9.  Celery

10.  Tomatoes

11.  Sweet bell peppers

12.  Potatoes

The 2017 Clean Fifteen list from EWG (least amount of pesticides and chemicals). These ones are not as important to buy organic so you can save some money!

1.  Sweet Corn

2.  Avocados

3.  Pineapples

4.  Cabbage

5.  Onions

6.  Sweet peas (frozen)

7.  Papayas

8.  Asparagus

9.  Mangos

10.  Eggplant

11.  Honeydew Melon

12.  Kiwi

13.  Cantaloupe

14.  Cauliflower

15.  Grapefruit

2. Limit processed food.  The more fresh food you can eat the better.  I know there are times we need to open a package of food for a quick meal.  Next time I will talk about meal planning so you can have healthy meals on hand all the time!

And when someone offers you a piece of chocolate cake, eat it!  (this falls under secondary food too!)

If you haven’t got it yet, grab my 5 Key Strategies for Self-Care for Less Stress and More Energy.  (ps….2 amazing smoothie recipes inside!)

Happy, healthy eating for 2018!

A Little Money Woo-Woo

A Little Money Woo-Woo

This blog is partially by request and it is something I really believe in and rarely talk about.  

Today I am going to show you how to make a Crystal Grid for money manifesting!  For some, this may be a little too “woo-woo” but I suggest you have an open mind and give it a try.

Let’s start with the basics of crystals and their uses as I recognize that many of my readers may be unfamiliar with their uses.  Crystals do more than look pretty in a bowl!.  Each type of crystal has unique characteristics and uses.   A few examples of common crystals and their uses:

Jade – restores emotional balance, disperses negative thoughts, cleanses, energizes.

Citrine – cleansing, encourages mental clarity and optimism, heals negativity.

Rose Quartz – replaces negative energy with loving vibrations, reduces tension, aids in forgiveness.

Amethyst – protects, soothes the mind, healing and calming, focus and mental stability, strengthens memory, increases motivation,

Agate – improves self-esteem, soothes and calms, gives strength and courage, promotes love, helps with speaking the truth.  

This is just a very small sample as an example and each of these crystals also has health benefits to them too and a long list of how you can use them.  My go-to simple book I reference is:

Crystal Energy: 150 Ways to Bring Success, Love, Health, and Harmony Into Your Life

So, what is a Crystal Grid?  On a physical level, it is an arrangement of crystals in a certain grid format.  On an energetic level when crystals are arranged properly on a well-designed grid, the energies of the crystals are magnified and reinforced.

I am no sports fan but it makes a good analogy.  Consider a team of people,  all with different roles (center, guards, defense, etc).  Now put them on a field/court with no formation and what happens?  Probably a lot of confusion. Now take that concept and put them in a formation and give them an intention of working together for a common goal.  Magic happens….in sports and on a grid!

There are many types of grid formations all based on Sacred Geometry.  (This could be an entire blog in itself). For this grid, we will be using the Seed of LIfe design which has a sixfold symmetry.  The number six (two threes) is a number of harmony, balance, sincerity, and truth.  These formations have the ability to promote harmony and balance and more importantly it gives us the energy to complete a task successfully.  

Each grid has a series of stones, The crystals we will be using for this are:

Amethyst to bring clear sight energies, prehnite for independence, intelligence and receptiveness; and green aventurine for prosperity and good fortune.

Here is a video on how to assemble the grid and how to use it.

There are many types of crystal grids you can make and I am sure this will not be the last one I posts about!  Enjoy and feel free to share any photos of the one you make in the Freedom Lounge Facebook Group.

Love & Abundance

Alignment to Abundance

Alignment to Abundance

Alignment is one of those key foundation pieces that is so important when you want to accomplish something.  It is coming up often lately so I thought I would write a follow up to my podcast on the same topic.  As a health and money coach this shows up in all the work I do with clients.  It also comes into play when we are looking at our mindset and our self-sabotaging behaviours.

Alignment by definition is an arrangement in a strategy line, or in correct or appropriate relative positions.  Let’s look at if from this perspective….Everything in this Universe is energy.  When we desire something we need to align our energy of that which we desire.

Without alignment we are sabotaging all our efforts and gains we make towards our goals.  You can say you want something but if you don’t  take action then what you say means nothing.  Well….sometimes.  We do have to be careful about what we say because the Universe will deliver.  The context I am talking about here is our goals and our desires.  

I will give simple examples for both money and health.  For money, if you set a goal to reduce your debt and then choose to spend money that you don’t have then you are not acting in alignment.  How can you expect to get out of debt when you are creating more debt.  The same goes for health.  If you set a goal for a strong healthy body and then feed it processed foods and do not exercise, then here again you are not in alignment.  In order to get what we desire we need to be in alignment in our thoughts and our actions.  

Now, that looks pretty obvious but in reality it is not. Sometimes alignment is much more subtle.  Our subconscious can plays havoc with us when we tell it things that are not in alignment with our goals.  This is where mindset enters.  We have many underlying beliefs and thoughts that rule what happens in our life.  We can say all the affirmations in the world but if deep inside we do not believe it, it is really hard for the Universe to deliver.  It is like asking for more money in your life but not believing you are worthy of that money.  You see this with people that work really hard and never seem to get ahead.  A wealthy mindset knows they will be successful with money and that they can have lots…without jeopardizing someone else.

You must show up at the energy  frequency of what you want.  If you want to be financially abundant you have to have the mindset and take the  actions to get what you want.   You must become the frequency of what you want to attract before it will happen.  

Use your feelings to guide you on this journey.  If you listen carefully your feelings will guide you in the right direction.  More often than not we know when we are doing something that is not in alignment with our higher desire.  You will learn to recognize your self sabotaging behaviours or even your mindset that may not be congruent with your desires.  

Try it out.  Choose one thing you desire and are manifesting in your life and spend the day with it in the forefront of your consciousness all day.  Think about what you are doing and why.  Is it going to get you where you want to go.  Manifesting is not about just wishing for something and then hoping it will show up.  I consider myself to be a very good at manifesting.  I have the desire for something and then take the actions necessary for it to come to fruition.  Our thoughts must be very clear and in alignment.  There can be no mixed messages!  The Universe does not know what to do with a mixed message (ie. actions and thoughts not congruent).

Want to learn more about money and mindset?  Access the FREE 10 Minute Money Makeover Video Series below!

Podcast #10 – With Special Guest Tracey Osborne

Podcast #10 – With Special Guest Tracey Osborne

Welcome to Love Your Money Podcast #10!!!  I am so crazy excited about Podcasting to bring you regular teachings!

You are listening to Podcast #10- and I have to say that I am so excited for todays guest!  Today we have the pleasure of talking with Tracey Osborne of Tracey Osborne Coaching.  A bit about Tracey…..After specializing in the Virtual Assistant industry for almost a decade, Tracey Osborne coaches and teaches women how to use the skills they have to create a money-making machine working from home!  Tracey is the author of BEcoming a VA; The Key to Unlocking the Virtual Assistant Industry and is host of the Coffee with Tracy podcast!  Her new book, You Want to Work From Home is scheduled to be released in September 2017.  

You can listen to the podcast here or I am VERY EXCITED to let you know that you can listen to it in iTunes and subscribe there…so you never miss an episode!

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