Blog.

How to Shine Like a Lighthouse!

Stop identifying with your past.

STOP IT!

You weren’t who you were yesterday.

Stop bringing your past into your today.

Stop bringing your past into this moment, because when you do, you are just putting your past into your future. (And then you expect your future to be different, but it won’t be – it will be the same.)

Yesterday, you were fat, lazy, poor, mean, scared, insecure, loser – Whatever stupid mean things you kept saying over in your head on a thought loop like a broken record!

THIS IS THE MOST AMAZING THING ABOUT LIFE – are you ready for it?

YOU ARE NOT YOUR PAST. YOU ARE FREE TO CREATE YOUR LIFE FROM THIS BLANK SLATE TODAY! YOU HAVE 100% of LIFE LEFT TO LIVE!

You can’t change your past – what’s done is done.

But, you can create a new future.

Whatever you dare to dream is in sight!

I actually have a great past over all. I had an AMAZING upbringing… yet, my head still leaves me stuck in these negative thought loops – I suck, I am fat, I am poor, I am not successful, I am not pretty enough…..

Can you relate to repeating something in your head? Are you even aware you are doing it?

Here’s the best part.

You can change your narrative. You can change your words, your thoughts and change your life.

SERIOUSLY.

All you have to do is start by changing the story you tell yourself about yourself.

Yes, it’s that simple.

Are you hot, sexy, rich, lean, fit, healthy, successful, confident?

Well, why not start telling yourself that?

I am.

People who look at me may disagree.

But we don’t care what other people think, do we? Damn it! We probably do…. Why else have we been playing small all our lives? Taking the “safe” road to our goals?

Damn the little voice that says we won’t make it or succeed at anything we try. SHUT UP MONKEY BRAIN!

We are the lighthouse. We are here to shine. We aren’t lifesavers in the water trying to rescue the drowning. We are just here to share our light, and stand TALL and stand FIRM with our light. Shoulders back. Boobs out.

Being the lighthouse, you don’t have to shy away from being too bright.

BE BRIGHT!

I’m not bright all the time because I’m scared of what people will say.

This is what people have said in the past or I think they will say/think if I’m really shining my light:

  • You are big fat bragger!
  • It’s all about you ALL the time!
  • Snob!
  • Unrelateable! (I’ve worked hard at being relatable – and I’m scared I will lose being able to relate to people if I’m crazy successful!)
  • People won’t like me!
  • I’ll lose my friends!
  • I’ll have no friends left!

And the list could go on…

WOW! With a list like that, who would ever want to be successful or shine their light?

It looks like a crap deal to shine your light if those are the consequences. It’s easier to shrink and blend in with the crowd.

So, what to do? How do you shine like a lighthouse?

You have to grow some serious thick skin and say to yourself, in your narrative, the story you tell yourself:

My dreams are bigger than my bullshit and what other people will think. I’m here for a purpose, and people who don’t love me for living out my purpose here on earth – well, those people are missing out and not part of my journey. The right people will show up and be in my life as I shine bright!

‘Cause the haters gonna hate, hate, hate, hate, hate anyways right?

So, let them hate your light. It’s your responsibility as a lighthouse to shine.

A lighthouse with its light off does not offer much.

Turn that sucker on!

xx

 

Coach.

Worthy of Receiving

I am LOUSY at receiving. And I’m trying to change that.

Last week, I had a breakdown when I was running. My breakdowns usually happen when I’m running. I don’t know why that is, but I will be running sometimes and break down & cry, sob really. I think running breaks me.

On this particular run, I had finally met my breaking point on this topic of RECEIVING.

I’m so tired of resisting RECEIVING ABUNDANCE!

Okay, let me backtrack for a minute.

I am still struggling with the whole worthiness thing. STILL.

It’s been this crazy battle. There are moments I don’t feel I deserve anything. Moments that I feel I’m still not good enough. STILL.

I just want to scream! I know it’s total bullshit.

This is a HORRIBLE place to be and yet I know so many of my friends and I suffer from this in waves, through depression or through not living out our soul’s purpose or being in full self-expression and still trying to live up to the standards of the rest of the world – whatever that is?!?!

In my want/desire/need to everything I want in my life: love, joy, happiness – I somehow still don’t feel that I’m worthy or receiving.

This could be one of the worst places to be. Seriously.

It’s sad. It really is – because I see so many people as amazing greatness…but they don’t see themselves that way. I don’t see myself that way, maybe once in a while, maybe more and more now, but for years, no.

It makes me want to cry. (Things I do NOT want to pass down to my daughters!)

And money has nothing to do with it. I mean it’s something I’m working on receiving for myself personally, but there is always something we are working on when it comes to receiving – and ALL of it stems from UNWORTHINESS. (I mean unless you really didn’t believe we lived in an abundant world or that abundance existed, then I guess you could argue there isn’t really enough to go around, and maybe then it wouldn’t be a worthiness issue with you if you truly felt you had what you deserved to have, but at your souls level you kinda gotta know by now that abundance exists…right?!)

So, I do what every soul-seeker, entrepreneur, student of life does when faced with growing in a particular area: read more self-development, listen to more books, buy more courses – some I do, some I haven’t even opened yet and basically, just keep seeking to look for what is outside of me, when the secret really is that:

I really do have everything I need, right now, and I only need to look inside of me, and not for approval from the rest of the world. I also know I’m good enough – great enough JUST AS I AM – JUST AS I WAS CREATED!

HOLY MYLANTA! Can you feel that? That weight taken off my shoulders? Can you feel how freeing it is to not have to be anything else but just be yourself? And that you deserve to RECEIVE goodness, abundance – whatever that is for you?

I’m going to take it one step further around.

I’ve been struggling to receive money for ME. I mean, I’m happy to make money and pay everyone else, and like most entrepreneurs, I would happily give it all away too, but it gets tiring making lots of money and not really truly giving back to myself.

I could make millions a year right now and still be in the same place for what I’m giving to myself, which is virtually nothing!

And I know why.

It’s because, for some deep-seated reason, I don’t think I’m worthy of receiving. My business, yes, sure, but me personally – NO!

CRAZY right!?!

And that’s total BS and I know it, and you may be in the same boat in some area of receiving. I hope you are not, but so many of my clients, friends, fellow moms, and entrepreneurs are in this place. Somehow, many of us got this mixed up, crap message engrained in us from who knows where – Church? Parents? Too many episodes of Family Ties or Who’s the Boss? (Full House? Probably Fully House! LOL) Who knows?

Having children has opened up my eyes to see a glimpse of the love God has for us and how he wants to shower us with ABUNDANCE!

I want to spoil my children. And I do. And again and again. Even when they are little sh*t heads. I love them to infinity & beyond, and yes, I want them to have everything they ever dream of having! Of course, I don’t want them to be spoiled brats, but I do want them to know that they are worthy just by being them, without having to do anything.

Don’t you feel you want to spoil your kids or if you don’t have kids, your fur babies as much as you can?

God/Universe wants to do the same for you!

On this journey to “finding my worthiness” (or better yet, learning to just allow worthiness!), I think about how God must look at us, and how he must feel the same for all of his creation – it’s just we are the ones not allowing the gifts in! Crazy right!

Can you believe that we would do such a thing?

But we do deny receiving all the wonderful gifts: money, love, joy, peace, happiness.

And this is how we don’t allow receiving in.

  • By feeling not worthy and thinking we are not worthy.
  • By complaining about our lives.
  • By staying in a state of lack and feeling like “things will be better when I have…..”
  • By resisting.
  • By not listening.
  • By not accepting the gifts given to us with open hands, or not appreciating them.

BUT what have we got right now in this moment?

Another gift. Right here? Right now?

Perfection.

Everything about this moment, about our lives right now is exactly what we created PERFECTLY to perfection.

And you are allowed to receive this moment as perfect.

Lessons you need to learn, situations you find yourself in, people you are surrounded by.

So, if God/the Universe loves me so much and wants me to receive this beautiful gift, then who am I to deny God of giving me all the abundance He wants to pour on me?

What happens when you are in a constant state of unreceiving? Let me answer that for you!

People stop wanting to give to you. We want to give, but not to someone who isn’t grateful, and not to someone who doesn’t even want to receive the gifts we are handing them with closed hands. Imagine I hand you a gift, and you don’t turn palms up to receive it as I’m handing it to you. You are basically spitting in my face, and saying you hate my gift. So, why do we do that that with all the goodness the universe is trying to pour out on us?

So, ya, up until now, I’ve been a shitty receiver. I know that. I can’t even take a compliment well without downplaying it.

No more.

I am a great receiver. I am in receiving.

And best of all, it is GOOD to receive.

Stop being a martyr. Stop making receiving bad.

You are beautiful. You are worthy. You are worthy of receiving.

So RECEIVE it.

xx

 

Coach.

Making The Impossible Possible

Life doesn’t go as planned.

I sit down to write this week’s blog and just got a bleeding nose. So here’s to typing with one hand, which will make me crazy! I haven’t had a bleeding nose in years! This is random and so perfectly perfect for what I wanted to say to you today.

Last week, I told a group of women that financial planning was total bullsh*t!

It’s true! We make all these plans and things rarely go to plan!

In fact, sometimes they are better than we planned, sometimes worse, and sometimes so random out of left field we don’t know whether to make heads or tails of it!

But here’s the thing, even though we know things really never go to plan, we still need to plan!

I’m in Vancouver right now. Doing some planning.

I like to take this week alone every year when my kids are at summer camp, a week to hide away at my sister’s place in Vancouver, and plan.

And I’m SO excited to be here alone and left with my thoughts.

And scared.

After all, spending 24 hours in a 650 sq. ft. room, alone, in a different city, makes me almost want to crawl out of my skin. I want to talk to people and defer and procrastinate to what’s really going on, and put off what I really need to do, which is tune into myself and to some planning and course adjustments – so of course, I stay on course! 🙂

A big part of planning means tuning into myself, to take the time to love myself again, and fall in love with ME again.

Quietly. Thoughtfully. Purposefully.

I think I get stuck too in the “What’s the point of all of this if we are just going to die anyways?”

Why plan?

The point is in the journey. The lessons learned. It’s in making the impossible possible. It’s in showing others it can be done.

Overcoming.

Triumph.

Accomplishing the goals and dreams.

I celebrated with one of my clients last week who hit over $1,000,000 in their portfolio. This was a huge celebration for my client. Showing people it can be done!

Anything is possible.

Make the impossible possible by planning.

It won’t be easy.

But it will be life changing and have an impact on not just you, but your world around you.

Sit down, create the space around you, take a few deep breaths and

MAKE A PLAN.

xx

PS. Make sure to sign up for my FREEBIE – MONEY MAGIC – 25 Money Tips! You will love it! Scroll to the TOP BAR and find under FREEBIES!

Debt.

Redefining Debt

I want to play devil’s advocate for a minute.

Who decided that debt was “bad”?

I mean, really, who came around and one day labeled debt as bad or good?

Isn’t debt just a circumstance? Isn’t it just a fact?

Aren’t we the ones adding in the emotions, the thoughts, the feelings to our debt – or to others debt?

Why is debt so “bad” anyways?

Isn’t virtually every government in the world in debt? Doesn’t debt allow for roofs over people’s heads and students sitting in desks?

Who made you feel “bad” about debt? Was it your parents? Your grandparents? Your church? Your religion? Society? News/Media?

How would your life be different if you didn’t stress about your debt?

How would your life be different if you re-framed your debt to gratefulness? Thankful that someone lent you money to do the things you wanted to do and accomplish the dreams that you had?

We can make plans to get out of debt. Easy. Simple. No negative emotion need be attached. No judgment needed.

What’s not as simple or as easy to do is clear the energy, the “bad” feelings, the “negative” thoughts patterns engrained in your brain from your ENTIRE life! These are like a broken record, stuck on repeat, looping inside your brain, continuing to create your lack and scarcity mentality. That will only attract more debt.

If you are serious about getting out of debt, then you need to first start by changing your thoughts and feelings toward your debt from fear, guilt, shame, lack and scarcity to gratefulness, blessings, and abundance – then you will change your point of attraction and begin to attract what you really want:

Financial Abundance & Freedom

Coach.

No Holds Barred

I want to share with you something super personal. And don’t worry, it’s not about my vagina. You may think that’s super personal, but I think that plays second fiddle to this topic.

I want to tell you about this part of me and how I protect mine. I’m very passionate about protecting this part of me too – the most delicate flower, besides the other flower 😉

It’s my mind.

I want you to know that I protect my mindset at all costs. ALL COSTS.

To me, my mind and my mindset are the most important thing that I have.

I don’t know if everyone shares the same feelings/thoughts as I do about mindset, and I wonder why that is? Do they just not know that they can choose their thoughts?

To be honest with you, I totally thought this topic should be saved for the people who chose “bad” thoughts, such as murder, violence, the pure evil kind of people. After all, wasn’t that taught to me in Sunday School? Guard your mind. Don’t think evil thoughts.

And we did that. Most of us aren’t murderers or violent people and our lives reflect that.

But today, I want to talk about a different kind of mindset protection – the one that guards our dreams, our innermost desires, the things that we don’t really want to share because they make us vulnerable.

Right now, I want to tell you with one of the biggest things I struggle with, and to be fair, I’m sure I’m not alone, in fact, I know that every functioning brain for the most part on this planet has to deal with this.

Choosing what thoughts serve you is the greatest gift we as humans are given, yet most of us just take life at face value or whatever gets thrown to us and don’t go about choosing to discard the thoughts that don’t serve us.

I am a light. Something I choose to believe, and I find that thought serves me.

I keep my light lit. What does that mean? Personally, I tune out a LOT of crap. I tune out a LOT of darkness that I see (I don’t watch news, even unfollow negative stories or people on Facebook – I read or hear about what I need to from other people close to me), and not because I live in some La-La-Land and pretend everything is all coming up roses, but in a way, yes, it’s because I’m protecting my optimism, my mindset, my dreams.

First of all, it has taken me a few years to discover that I really can choose my thoughts, not just the hand-me-down thoughts I thought I had to take from my parents, family, church, etc. And then taken me a few more years to figure out what thoughts serve me and help me reach my goals and dreams.

I choose thoughts like:

  • It’s easy to make money. (Hey, I’m still working on this one, but I’d rather choose this than thinking that it’s hard to make money.)
  • I am a light, I shine.
  • I live my dream life (and I do! Probably because I choose too!)
  • I am the healthiest person I know (and I am.)
  • I am fit & lean. (ya… that serves me… better than thinking I’m fat!)
  • I am smart.
  • I help millions of people in the world with my message.
  • I am sexy, hot, fun, beautiful and rich. Seriously, why not? (If that just triggered you, then, ask yourself why?)

Because here’s the thing, I only allow a handful of mentors to speak into my life, and not that I don’t listen to what others have to say, I totally love learning, and will always have an open mind, however, when it comes to my deepest truest self, I’ve aligned with mentors that I would literally follow off the earth, and even then, I have mentors for different things in my life, such as business, personal, fitness, etc.

And what I really want to say is this: the people who I allow to speak into my life are NOT the people who are closest to me!

And, here’s my big revelation in the last year or two, the people closest to you – your partner, husband, girlfriend, mom, dad, sisters, brothers, best friends – they love you HOWEVER, they are usually the dream crushers…..

Yes, I will say it again.

The people closest to you are usually the dream crushers.

Not on purpose. They love you. They really want you to succeed, but they usually are the ones to tell you:

  • it isn’t realistic, that you are never going to make it,
  • that you should consider quitting on your dreams as a way to not let you get your hopes up or having to witness you be in pain for falling flat on your face or
  • be brought back to reality or given a “reality check”
  • that you are too optimistic, pie-in-the-sky dreamer, or
  • maybe they are scared of change themselves, and don’t want you to rock the boat.

ROCK THE DAMN BOAT!

When you step out powerfully in your life, it makes the people around you uncomfortable. They don’t really want you to change, they like you just the way you are right now. Plus, when you step out into your dreams, you are challenging/triggering/reminding those people that they aren’t. You awaken them to the fact that they aren’t living their dreams, or stepping out in a certain area of their life.

MIRRORS SUCK!

The people closest to us are the people that are usually in our head. Do you agree?

I know this is so true for me!

I don’t care if random strangers tell me that I suck at something, but when it comes from someone close to me, it hurts, it holds weight – and only because I love them, and chose to give them that power over me and speak into my life like that.

I’m learning slowly to stop giving my power away, even to those with the best intentions!

I’m talking about when you are stuck in life. Feeling frustrated. Feeling you aren’t moving forward. That is when you need to protect your thoughts even more. That is when you can’t let the nay-sayers in.

So today, I want you to protect your dreams at all costs, hold them close to your heart and keep them safe. That may mean not sharing it with people closest to you or when you do share it, not letting others opinions of your dreams, your life, how much money you want to make or the impact you want to make in the world.

I am creating a huge transformational shift with my business and all the people I partner with. It’s my dream. To make a difference. To help hundreds of thousands – millions – in my lifetime. I will do it.

Here’s WHY this is so IMPORTANT:

At the end of the day, what purpose we create for ourselves during this human experience is all from the thoughts we think. Our thoughts really do create our lives and the experiences we feel.

We can do anything we believe we can do.

Deep down, you and I know how powerful we really are.

And it scares the shit out of us.

And we hold back.

I hold back.

Without my optimism, my positive thoughts, my mindset and dreams protected, I won’t be able to go out and make a difference in the world.

Think about it.

If I let someone who says “I can’t” into my headspace, then I’ve lost. I’ve let myself down, and the world has lost out on my gift of contribution to society – in whatever shape that comes in (business, art, science, love, charity, writing, etc. – whatever that is for you.)

You are important and you were put here to be an important helper in your own unique way. So, protect those dreams, hold them close to your heart.

Believe in them.

Cause, you know….

You can do anything.

No holding back. No holds barred.

xx

 

PS. You want to live a life with no holds barred – then join me this Saturday for Elevate! elevateday.com

Coach.

100

100.

I’m so damn proud today.

I get to celebrate 100 BLOG posts and I get to feel proud for not missing one week since May 15, 2015.

THAT’S OVER 100,000 WORDS (like 2 more books! Oh ya! Plus I wrote a book! Shameless plug for STRUT!)

CONSISTENCY BABY!

Here’s the thing. People tell me I’m a “great” writer.

And I tell them, I’m not. It’s a skill. Something you develop over time.

Let me ask you something.

What if you delivered 100 babies, prepared 100 tax returns, taught 100 classes, put out 100 fires, sold 100 homes, cooked 100 meals, drank 100 beers? You’d be “great” in your area of expertise too.

But here’s the thing (as you know by now, with me there’s always a “thing”), all it takes to be an expert in any field is consistency, showing up, and not quitting.

Do you do that?

Do you do that with your money? (HA – there’s a good question!)

Do you do that with your business or your dream job or do you just quit and jump from one opportunity to where you think the grass is always greener?

Do you do that in every area of your life? Especially areas like your dream body or dream relationship?

Most people jump. That is a FACT! Nobody sticks out much anymore – true story. But on that same note, why? Why stay in a job that makes you miserable. Exactly! The point here is to choose something you can stick with, something that lights you up, even on the days when you want to quit – because EVERY JOB, EVERY BUSINESS, EVERY RELATIONSHIP BETWEEN 2 HUMANS has those days. Quit if you want. No one really cares (seriously, hear me say this lovingly, no one really cares what you do…) but you will. You are the only one who has to like yourself for your choices. Not your mom. Not your dad. Not your husband. Not your kids. Not your best friend. They will think what they want to think and everyone will judge regardless – don’t use others as a measuring stick for success, it’s sure to fail you! So like – no, LOVE the choices you make!

We all know the grass is NEVER greener on the other side, so make your grass MOTHER EFFING AUGUSTA PGA GRASS! That’s what you do! Make your grass the greenest grass everyone wants!

How? Live your purpose, live your dream life.

Why? Because when you are living your true calling, your path, in alignment with your soul, people take note. People notice the light, the spark, the jump in your step, the joy in your heart! People will want your grass when you are living your dream life. People always want something they can’t have….

Everyone wants to know the secret, the secret to having everything you ever wanted – yet, the secret is really inside all of us, we just have to let it out – unleash it onto our lives and the world and stop keeping our message, our truth, bottled up!

The secret is that there is no secret and you have to choose what you already have and what you don’t! (A totally confusing mess!!)

When you choose your life, the exact life you have, the choices you made – that’s the secret to being happy. Happiness is on you. It’s never on them. I’ll say it again……

Happiness is on you. It’s never on them.

Trust me – the most freeing thing in the entire world is choosing, and re-choosing, and being grateful for your life and then choosing something different, and then choosing to be grateful for the new choices you just made!

One foot in front of the other.

Find your true calling, your path, alignment.

There’s no RIGHT OR WRONG here… no matter how many people try to tell you that you are doing it right or wrong.

Live FREE. Free your soul’s work, your soul’s art. LOVE the crap outta all people and all things! DO the work you were put here on the planet to do.

When you do that, I guarantee you will be deeply satisfied, proud and happy.

I am.

Free. Happy. Proud.

Jumping out of the roof of my car.

Live every day like that.

That’s what we are all chasing. It’s not money. It’s not stuff.

We want to feel good.

Happy. Free. Proud. Joy. Love.

xx

 

PS. Thank you to everyone who has supported me in the last 4 years in my writing journey, My Shoes En Blanc Girls, My Shopping Club Girls, I tagged you all because I love you so much and want all my friends to live their best life! xo

PPS. If you want to ELEVATE your life – be sure to check out elevateday.com on June 24th in Cochrane!

Insurance.

How The Government Funded MILLIONS for My Kids Estate

I want to tell you THAT the government funded MILLIONS for my daughters and my future grandchildren.

AND for only $100/month.

AND only $100/month for like 20 years…

Seriously, most people totally don’t believe me, and even when I show them the contracts they still won’t believe me.

They will all say it sounds too good to be true.

But here’s the deal.

The government in Canada gives every child some money every month, regardless of your income. If you don’t need that money to get by, which most probably don’t, then I tell clients to invest it for their children, but not in regular investments.

I used to get $100 every month, now I think it’s like $60 per child, regardless I think most people can save $100 per month per child or at least $50 per month per child. This strategy can work with $50/month or $100/month.

I get why people are so negative and think its a scam, or why it may sound too good to be true. And time the word MILLION gets tossed around, it does sound scammy.

But it’s not. Not if you are investing $100/month over many years, and then leave it for many, many years of compounding tax sheltered (where the government is not taking tax off every year!). Did you not learn about the power of compounding? Do you remember the RULE of 72? Then this will make sense!

And this will even sound crazier to people who don’t understand insurance or have been sold crappy over-priced insurance policies (trust me – they are out there and I see them all time!)

Here’s the BIG DEAL though, and I really want you to consider this if you are wanting to create a real LEGACY for your children and generations to come, or if you want to leave something big behind or change the world and if you want to commit to something and you are OKAY with delayed gratification (okay this last one is HUGE – you gotta be okay with delayed gratification) and with this strategy, you need to NEVER touch these funds, no matter what (and besides they are creditor proof, so even if someone tries to sue you or if you go bankrupt, they can’t touch these funds, so there really is no excuse.)

This strategy works best for babies, or kids 0-5, however, if your kids are under 18, this strategy still works, and you can set these up for your children or if you are a grandma, for your grandchildren! In fact, grandma’s love setting these up for their grandchildren!

There are a few key things with this strategy that I want to share with you which is why you really need to work with an independent advisor, in other words, this strategy won’t work as well with BIG PUBLICALLY TRADED INSURANCE COMPANIES or BANKS – hint hint….. so if you are thinking of working with the BIG BIG companies, this may work, just not in your best interest. And well, here’s the bottom line…

My girls are each going to have over $1,000,000 (minimum $500,000 each guaranteed!) by the time they are 85 (ya, life expectancy) which will probably flow down to my grandchildren.

You see, I have a dream. YUP! I have a dream to see families financially independent in less than 3 or 4 generations! And, guess what, not just financially free, but our kids and grandkids being financially savvy too and smart to be able to grow that wealth and then pass that along for generations to come! It’s a life changer, it becomes generational wealth. And I think it’s pretty awesome.

If you want to learn more about this, and seriously want to teach your kids about money and invest $100 a month for them and change the financial trajectory for your family – you need to contact me.

That’s the bottom line.

I don’t even know why I rarely share this with people. It’s a huge disservice on my end! To the bloody world! And, I need to apologize for not showing up in the world to tell you this. I should have been yelling it from the rooftops for the last 17 years, but I didn’t have the confidence, or was too scared to – SILLY, right?

BECAUSE IT’S HUGE & GENERATIONAL CHANGING!

If you want a quote for your beautiful child or children, give me a shout. Also, just a quick note, this does require your kids to be healthy – yes, that does suck if your child is uninsurable – however, on that note too, I do have some policies for most uninsurable children – depends on the condition. But just to let you know upfront! I’ve been doing this for 17 years and represent every company, and I’ve hunted some of these policies out for my children, so I take this seriously! AND, I really do want to see families create generational wealth – so this I probably take more seriously than most! It’s what my next book and future TED talk are all about…. 😉

THE POWER OF AN INTENTIONAL LEGACY

Start creating yours today! If you want to know where to start, I’m here to help!

xx

Financial.

Discovering Your Financial Values

Do you wander? Do you ever go exploring? I mean seriously?

Do you ever engage your heart with wild crazy adventures?

Yesterday I did.

I was meeting a client a couple hours out of town and on the way home, I decided to go exploring. So, I will often just drive down random roads and see where they lead.

I found a town I had never been in before.

And it was like driving into a country song (I was listening to Strawberry Wine as I rolled into town). It had a general store and a saloon.

It was like this special treasure that I discovered and I like to pretend I’m the only person in the world that knows this place exists.

I’m weird that way. I also love going off alone. It’s kinda my thing because then anything I discover can be mine, all mine {insert evil laugh}.

So weird, yes, I know. (This photo is of some things I’ve discovered on my wandering, including yesterday’s saloon!)

I value wandering.

Wandering, Dancing, Laughing are all things that I value (and I need to do more of!)

We all know the best things in life are free, but then there are the things we value financially, or the things we put our mouth too….. wait that sounded dirty – well, it was meant to sound like… PUT YOUR MONEY WHERE YOUR MOUTH IS! 😉 (Ya, if you are like me I know where your head went!)

And, I think this is a place where most of us live OUT of ALIGNMENT. (Alignment is the place where you are in harmony with your life’s purpose and goals.)

So, let me tell you how I know this. If you were to do a simple review of your expenses and categorize them from what you spend the most money on to what you spend the least money on (after housing – because you probably value a roof over your head), you’ll probably find that you spend the most money on material things, usually a car is the next biggest expense for lots of people.

Chances are that you value your mental & physical health, and your financial health above material possessions, yet most people don’t have enough money at the end of the month to save or to buy the extra healthy veggies or buy the gym pass. Not that I’m saying you need to have any of that, I’m just saying that if you really do value mental, physical, emotional, financial health, you’ll be putting the majority of your money where your values are.

Most people will spend more on a car than they will save for their financial health.

Most people will not buy gym equipment, sports equipment, gym pass for their physical health.

Most people will spend more on decor for their house than they do for emotional or mental health.

Maybe you spend all your money on organic food because you value your body!

I’M DEFINITELY NOT SAYING ANY OF THIS IS BAD or GOOD for that matter!

In fact, let’s be real. No one cares what you spend your money on.

But chances are you are miserable financially if you are not spending money on the things you really value.

For example, if you really do say you value saving money (like a trip or retirement or a new handbag), and then you sabotage yourself, and spend it all, then, ya, you aren’t in alignment, and you will feel MISERABLE and YUCKY!

So, yes, this is a problem we need to address. We need to get you back into FINANCIAL ALIGNMENT! (I could be your financial chiropractor!)

So for you gorgeous person, here are my percentages of what I spend money on because I’m not going to sit here and preach to you and not tell you where I spend my money. So out came my monthly expense sheet for you. Let’s see where this takes me!

  • 21% Properties (& Some Savings, RRSP’s, TFSA, RESP’s etc.)
  • 18% All Insurances (Car, Business, Life, Critical Illness, Disability, Property)
  • 13% Admin (God, I’d be LOST without my admin help!)
  • 10% Office (Rent & Utilities)
  • 9% Houseworker/Nanny (Clean House, Meals Cooked, Laundry Done & Kids Watched!)
  • 9% Groceries
  • 8% Car (Gas and car stuff)
  • 5% Technology (Cell Phone, Computers, Websites, Software, Anything Tech)
  • 4% Life/Business Coaching & Programs
  • 3% Business Licences (Remember all those letters behind my name, they cost money!)

So, let’s see what LISA values:

I value a clean house (like CLEAN!) and NOT having to cook dinner as much as I do eating or spending money on food/groceries!

I value life & business coaching enough to spend more on it than my actual business licenses, and if anything, I would up that category over time until it was about 20-25% of my expenses. YES, you read that right – INVESTING IN YOURSELF is the best thing you can do to GROW and I value that and I do put my money where my mouth is. Already as it is, I spend way more than most people do on self-development and coaching.

The other area I’d increase is money spent on my staff. As I make more, the more they are going to make! I want to pay them the best – like better than any oil and gas company! I want the people who help me build my company to say that they are working their dream job on a dream team! So, yes, I will increase that 13% to 20-30% or more! Same goes for my housework! I value you that more than I currently spend. It’s so nice to come home to dinner on the table and laundry done.

And, well you can clearly see that I value insurance. I have adequate life, critical illness, and disability. Mostly because I sell the stuff, but also because I believe in it, and I see the benefits it brings families! If you have ever seen anyone suffer a sudden death in the family or get diagnosed with a critical illness, then you know that the last thing you want to worry about or have your family worry about is money. Not to mention, I’m building a LEGACY! Yes, some of my insurance is set aside to build one amazing legacy for my children, and grandchildren! You can tell I value you that.

Also, I rarely spend money on myself! Honestly, I spend maybe $200 or less per month on hair, clothes, massages, facials. In other words, I maybe go for one or 2 services a month. So little that it barely makes the list. I also buy myself at least 2 books per month – I’d buy more, but then I would never read them! Those are my splurges! (And I do buy Piano Lessons & Sport for kiddos too – but not like crazy amounts!)

I haven’t added in travel, which I do, mostly on points or I stay for FREE at the hotels of Mom & Dad (luckily they choose to own homes in great places and not in Saskatchewan! Thank you Mom & Dad!)

Obviously, being self-employed and having over 21 sources of income, my income VARIES greatly, so these numbers do vary, but based on my monthly expenses, I’d say pretty accurate.

Hey! Challenge for you! Why not do this exercise and see what you value most? See if it’s in alignment with your purpose, your goals!

It will be interesting to see if you discover anything about yourself. Are you in alignment with what you really value?

I value help and building a legacy & building my business, which is where I spend the majority of my money.

What do you value? Does it feel right to you? Or are you spending money in an area that doesn’t feel good?

xo