After an entire month of excitement, (my oldest son graduated from High School), so the Hollands hit the road and headed to Bethany Beach, Bermuda and Las Vegas. We had a ball. I absolutely love the water. Not just any water, I love the crystal blue ocean. I loved having the ability to wake up late, eat ice cream, lobster and whatever else I wanted every day. I loved watching my kids have fun, and be more adventurous than I was at their age (my two teenage sons decided to be adventurous in Bermuda and jump off of a 50-foot bridge into the ocean). I even had a little adventure myself – I climbed a cliff to take the above photo. YOLO – you only live once! Although I had lots of fun, it’s always great to be back in your own bed. (But as I write this e-zine, I am off tomorrow to the ocean again. It just keeps calling my name).

I wanted to talk to you briefly about something that holds many people hostage to reinventing their financial blueprints. I see it all the time when I work with new clients. I hear it in conversations when people make excuses for not changing. My sons use to have an Elementary School teacher that would tell them “excuses are nothing more than reasons wrapped up in lies” – I think I would agree with her. I also see the consequences for not correcting this unprofitable habit that many people tend to have. A very common trend that exists among people that SAY they desire to increase their income, but they have very different actions, is what’s holding them back. They have subconscious, self-sabotaging thoughts around the subject of money. You can’t conquer what you are not comfortable with.

Deception. Financial Deception. It’s what’s eating away at your wallet.

What is deception? It’s the practice of misleading somebody or something intended to mislead somebody. It’s an act, trick or device intended to deceive or mislead somebody.

Financial Deception is when you refuse to look at where you are financially and have that crucial conversation with yourself that you need to change what you are doing to get to where you DESERVE to be financially. Most people do not realize that when you have negative feelings and emotions that surround your mental money files, that you are repelling wealth away from you and not attracting wealth to you. Wealth or the lack there of is a by-product of what’s on the inside of you. What’s happening on the outside in your wallet is only a mirror image of what is going on inside of you.

This is you if…
• You don’t open your credit card bills, bank statements, or overdue notices, or if you open them, you look at the minimum payment due amount
• You don’t know what your monthly income is
• You constantly get new credit cards, shift money around, and borrow from family and friends because you can’t afford your current lifestyle on your income alone
• If you don’t know what your actual monthly expenses are
• You have no sense of your big picture financial situation (how much debt you owe and what it would take to pay it off
• You don’t know where the bleeding is in your wallet
• You avoid conversations about money with your spouse and others
• You know you need to get out of debt, yet you keep charging stuff on your credit card
• You are addicted to shopping or you spend more in Starbucks on a monthly basis than you do putting money away in a planned savings for spending account
• You spend more time shopping and browsing on-line than you do planning for your financial future
• You haven’t counted the cost of what it would take for you to retire (I don’t care how young you are, you need to start this)
• You place no value in your financial education, NEVER TAKING TIME TO INCREASE YOUR FINANCIAL IQ
• You think you can fix it on your own, (yet you haven’t until this point)

Purse Check:

    Take a moment and add up the value of the contents of your purse – take the cost of the purse itself, the iPhone, iPod, or iPad, money in the wallet, MAC or Smashbox makeup, etc…). Next, compare the total cost of the contents of your purse to your net worth. If the contents of your purse are more than your monetary worth, then you would fit the category of financial deception.
    We have to just stop saying we want to get our financial lives together and start walking out the steps necessary to do it. You are more powerful than you know.

    “Life is too short to waste. Dreams are fulfilled only through action, not through endless planning to take action” – David J. Schwartz

    I know you hear me say this all the time, but where you are today is NOT your forever (if you don’t want it to be). It’s true. Many people stay in the zone of financial deception because of fear. You cannot push on the accelerator and the break at the same time. You have to get your head out of the sand and move forward with financial change. When you have your boot on the break, you avoid doing things that directly impact your financial change (like not looking at your credit report to see your true positioning); or your boot is on the break of putting off cleaning up your credit report so you pretend the stuff is not there; You don’t track your spending because you don’t want to know what “your number is” – the amount that you spend that you really can’t afford to spend; or you’re too afraid to invest in the things that would shift your direction financially. Your foot is on the break if, you’re a new business owner and instead of investing your profits back into your business, you go shopping with the money. YOUR FOOT IS ON THE BREAK IF YOU ATTENDED THE WWR LIVE EVENT and you are still not using any of the M4 System!

    Whatever your “break” is, you have to take your foot off of the break and accelerate if you want to move forward.
    Financial deception has no happy ending. The consequences of constantly denying where you are financially will equate to a high price to pay (foreclosure, eviction, bankruptcy, divorce, civil summons and in extreme cases, suicide).

    There is light at the end of the tunnel. Sit up. Breath. Place your foot on the gas and let’s go…

    1. There is a plan that can help you. After you acknowledge that help is needed, meet with someone that can help you come up with a plan, a roadmap that can lead you on the path to financial freedom, financial independence, and financial security.
    2. There are apps that you can get on your smartphone that will help you stay on top of your bills and spending (MoneyWise, Expensify, Mint)
    3. Enlist the help of an accountability partner to support you as you change your non-profitable financial habits. (NOTE: If your friends are in the same boat you are, they may not be the ones you want to get as your solution supporter!)
    4. Create daily routines that will help you focus on your end results and not just focus on your money mayhem.
    5. Take drastic steps to change. Have patience. You didn’t get here overnight and it may not be a quick fix, but it is always fixable.

    There are many levels to attain in the world of money. No matter which level you are currently on, you have to ability to go higher. Remember, you don’t fail, you just REGROUP.

    Until we chat again…

5 SECRETS To Creating

Massive Abundance

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