Well hello hello and happy day!
 
I’m sure you’ve heard the word “Mindset” tossed around on more than one occasion….
 
If you aren’t really sure what it is…the dictionary meaning states:
 
“The established set of attitudes held by someone.”

Your mindset/attitude can also be called your beliefs or your stories.
 
You’re probably thinking, “OK great…but how does that translate into everyday life?”
 
 
Many of the beliefs and stories we tell ourselves are actually instilled in us at a very young age…they come from the teachers in our lives (parents, guardians, peers, educators, experiences and so forth).
 

At a very young age, children are like sponges…they take everything in and their teachers help form their perception of life. It’s kind of like loading software into a computer.
 

Some of the beliefs are so ingrained they work on a sub-conscious level and it’s not until people do the “inner” work…do they find them.
 
Other beliefs are easier to find…but it takes awareness of thoughts and feelings.
 

So what’s the big deal with mindset?
 
Because our thoughts often control our actions… mindset, attitude, beliefs, stories, perception…whatever you want to call it…can determine whether or not a person achieves their goals…or for that matter, it can affect their ability to set goals!
 

I’m not going to dive deep into this today but here’s an example of a negative or self-sabotaging mindset…belief…
 

 “I’ll never get out of debt.”
 

The more a person believes this…the more this statement will play out in the reality of their life.
 

Think of it this way…if someone constantly tells themself they will never get out of debt…it becomes their truth. When they believe this is their lot in life…quite often they give up trying to change their situation or don’t even bother to try because they believe there is no way out for them.
 

On the other hand…a positive mindset could be a motivator to help someone set and achieve goals.
 

For example:
 
If someone believes getting out of debt is possible….it changes their perspective…they can see the possibility ….and when they believe something is possible, then they are more likely to take actions to achieve the goals…

Maybe they’ll ask for help… educate themselves…take a course…work with a coach… whatever they do, it will be an action towards achieving a goal that they believe is possible.
 
 
The beauty of it is even if someone has a negative belief or story…these are not permanent!
 

Stories can be re-written…but the work to create change depends on the story and how deep it goes…if it’s something that’s running on a sub-conscious level…it’s going to take more work.
 

Basically your thoughts create your reality.
 
 
Try this:
Even if it feels true to you and not self-sabotaging, take a moment to reflect how your thoughts are affecting your actions…are they motivating you to move forward or holding you back?
 
Think about your money stories…what do you tell yourself about money and debt, good and bad? If you can’t think of anything, make a conscious effort to notice your thoughts and feelings that come up around money.
 
 
If you have negative or self-sabotaging stories…how can you change them around? What words can you use.
 
For example:
 
Old story: I’ll never get out of debt.
New story: I’m smart enough to figure out a way to get out of debt.
 
Old story: I have to work hard to make money.
New story: Money comes easy to me.
 
Being appreciative of what you have can also help you to release negative thoughts and behaviours.
 

For example…instead of beating yourself up about the debt you have…focus on the good things that came from that debt…it doesn’t mean you want to hold that debt forever…but it just may help you release some of the mental stress associated with the debt.
 
And as Oprah put it, “Be thankful for what you have; you’ll end up having more. If you concentrate on what you don’t have, you will never, ever have enough.”
 
On that note, I am outta here.
 
Have yourself a totally fantabulous day and let your awesomeness shine!
​

Today I want to chat a little about your relationship with your money…or….more specifically…breaking up with your debt. 

Chances are that you know what it’s like to be in a crappy relationship…. whether it’s with a family member, a lover, a friend or someone else in your life.

You know the kind I'm talking about….. the soul-sucking relationship…the one that drags you down and makes you feel like crap. 

Debt can be like that. 

Being in debt can feel like being in a bad relationship. It can drain you mentally, physically, and emotionally but the good news is, even if you can’t see it right now…there is a way out.

.....You can break up with your debt!

It isn’t easy…it takes time, energy, commitment, and investment on your part… and you have to be willing to stick with it for the long haul.

But you don’t only break up with your debt, you want to break up with it and then kick it to the curb so it doesn’t drag it’s sorry ass back in!

Sure, there's gonna be bumps along the way…but you just keep your eye on the prize…life without debt!

One of the most effective ways to stay on track is to know your “why”…the reason or reasons why it’s so important for you to get out of debt. 

Why do you want to get out of debt …..and stay out of debt? 


{    space for the answer to come into your awareness   }


I want you to dig deep on this one because when things are feeling kinda shaky and you’re not feeling motivated ….or you feel like you just want to give up…your “why” is what will keep you focused and moving forward…. even if you trip up along the way!


For many people, it’s not always easy to find their “why”…I mean their real why….

Sure it would be good to get out of debt…but why is it important to you? 

What would debt-free mean for you?

Give yourself a little time to think about it. There are no right or wrong reasons…only your reasons.

In the meantime….

I’m very excited to share with you "8 Great Reasons To Break Up With Your Debt And Kick It To The Curb!"

For your reading pleasure, I’ve packaged them in a handy dandy guide with journal prompts….jussst to help you get those little grey cells of yours working to switch you into a “life without debt” frame of mind.

Download your guide by clicking on the button below:

“Don’t wait. The time will never be just right.”
- Napolean Hill

I don’t know about you…but for me, I usually take action, especially on the important stuff, when I feel it’s the “right” time for me to do it.  

 
A great example of this is when I was struggling with money and up to my arse in debt. 

 
I mean yeah, at first it didn’t seem so bad…things were tight but I was keeping the wolves from the door. I kind of had a life…nothing to be excited about, that’s for sure and the bills were being paid on time. Although I was only making minimum payments on credit cards….. but at least I was making ends meet…sort of.

 
If I had taken the time to really look at my situation, earlier in the game. I would have clearly seen something I was refusing to acknowledge…my expenses far outweighed my income and I was using credit to fill the gaps. Not a good idea….

 
I was working three jobs…I was miserable…I was stressed out…I was exhausted mentally and physically but I was hanging in there…until I couldn’t hang in there anymore. 

 
Only then, did I see it as being the “right” time to do something about the state I had gotten myself into. 
 

I guess I was a bit of a sucker for punishment. I mean seriously, when I look back at it, what the heck did I even gain by letting things go that long? Short answer, f**k all!

 
At the time I was more concerned about not ruining my credit score and feeling embarrassed to admit that I didn’t know how to manage my money, I had screwed up, got myself into a mess I couldn't get myself out of… even though I was doing the things I thought I needed to do. 
​
 
I’ve matured a lot since then…I mean after all I was just a kid, not quite 40 years old ….what did I even know?  
​
 
One thing I've learned is that we only know what we know…knowledge and skills don’t magically pop into our heads…we have to make it a priority to learn these things. Investing our time, our energy, and maybe even our money.
​ 
We have to realize that we deserve better. We have to get over ourselves, reach out and ask for help.
​
 
What about you? What does your "right" time look like?
​
Here’s a question to ask yourself: How much pain do you have to be in, financially, before you take action to change things around?
 
There’s no right or wrong answer…just be honest with yourself…

​Have yourself a totally fantabulous day and let your awesomeness shine!
​
Until next time.....
 
​Glenda 

 
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If you were given two choices:

1. You could live a life filled with fear, anger, misery, lack, deprivation and everything else that goes with it, OR

2. You could live a life filled with abundance, gratitude, happiness, joy, peace, love, creativity and everything that goes with that.

Which would you choose?

I’m willing to bet that the odds of you choosing #2 are pretty good!

You may be thinking, "Yeah, it sounds great but that’s not my reality."

Here’s the thing….it is your reality! Believe it or not, you DO have that choice…that’s right, it may sound a little cray cray but you, my friend have the power to choose which life you want to live! It’s in YOUR hands!

It’s all about perceptions, basically, what you choose to "see" and focus your time and energy on.

This is an interesting time that we are going through right now, no doubt about it. As COVID-19 does it’s thing, you have to adapt to new ways of performing your regular activities such as work, grocery shopping, exercise, shopping in general, and so forth.

You can look at these changes in two ways:

1. Focus on how it is negatively affecting you.... bitch about the upheaval in your life or how big your arse is getting from sitting in front of the TV (guilty!)....gripe about how you can’t wait for things to get back to normal…and so forth.
(Reading this, can’t you just feel the negative, "dark" energy??)

                                                                      OR

2. You can use this event, this blip in your lifetime as a teachable moment. What good has come from this? What new (healthy) habits have you created? Which old (unhealthy) habits have you let go of? What great things and lessons learned will you bring with you moving forward, how can you create a better life for you?
(Ahhh…the heaviness is lifting and the light is beginning to shine 😊.)


Instead of complaining about all of the things that you can’t do, take stock of the good things that you have been doing.

For example:

- Instead of complaining about all of the things that you can’t do, take stock of the good things that you have been doing. Personally, I now spend more time walking and hanging out in nature, than I have in a long time!

- By not having the same spending "freedom" as you had before maybe you’ve saved some money.

- Maybe you’ve come to realize that many of the things that you "needed" to buy and spend money on before, turned out to be things you only wanted.

- Now that you have been forced to be more creative about how you spend your time, maybe you’ve taken up a new hobby or revived an old one.

I’m not flitting around, wearing blinders and singing "la la la la la" trying to make light of the situation nor am I ignoring the fact that lives have been lost during the pandemic.


What I am saying is yes, these things happened and it’s OK to acknowledge them, and learn from them but the key here is that you don’t need to hold onto them.

 You can choose to let go of the 'darkness'. 

You don’t need to make it the constant topic of your conversations or spend time listening to every report from a dozen different media sources, you don’t need to give negative subjects your constant focus and energy. …you can choose to let go of the "darkness".


You get to choose your perception of a situation.


The same applies to improving your financial situation. Many people think that following a spending plan or budget could be a light form of torture, depriving them of all things great; putting them in a position where the purse has been glued shut, leaving them to scrimp and save until their debt is paid off.
(Hello "darkness" my old friend….that is, the friend I want to ditch.)


Instead, following a spending plan can be looked upon as a way to help you live a life you love!

Wow! That sounds like a pretty heavy load for a spending plan to carry, right? But it isn’t…

Look at it this way…

First of all, if you have debt, that is one relationship that you need to be getting out of a.s.a.p. because it’s holding you back! The money that you are paying on debts (and interest) could be better used elsewhere. Getting out of debt is probably one of your most important financial goals.

Secondly, while you’re paying off your debt, your life does not go have to go on hold. Realistically, depending on your situation, it may take you a while to get out the debt but this doesn't mean you still can't live a life that you love! As your Money Coach…I want you to be loving your life …right now! I don't want you to make it a reward that you can only access AFTER you kick your debt to the curb.

What?? Can this be??

It sure can, and here’s one way to make it happen: instead of buying things to fill a space (inside of you or outside of you), you create a spending plan based on your values and what’s important to you.

Yes, debt repayment is a part of the plan but when you determine what your values are, you spend money only on the things and experiences that reflect what's important to you ...this is how you start to live a life you love!

How friggin’ awesome is that!??

You DO have the power of choice, it's one of your greatest superpowers!

Obviously there is more to it than that and it does take time to re-wire old thought patterns, but you DO have the power of choice. It's one of your greatest superpowers.

You can choose to live a life filled with darkness ( Fear, anger, misery, lack and deprivation and everything that goes with it) or

……. a life filled with light (abundance, gratitude, happiness, joy, peace, love, creativity, and everything that goes with that.)


It’s much easier for us mere mortals to default to the darkness but by making small changes and being patient and mindful, you can spend more time living your life in the light.

​Chances are, at some point or another you’ve spent a little (or a lot) of time daydreaming of the life you desire.

Daydreaming is awesome! Not only do you see the picture of what you want to achieve but you feel the emotion that goes with it. I mean, what’s the point of hanging out in a daydream if you don’t feel some level of happiness or joy about it, right?

But what if your daydreams had a purpose other than that of passing time or escaping reality?

What if you used these daydreams in a more strategic way, as a tool to help you achieve your financial goals and make your desired life a reality?

This my friend, is where visualization comes in, it's a bumped up version of daydreaming or as Bo Bennett puts it, "Visualization is daydreaming with a purpose."


You don’t need a crystal ball to see your future…you can design it instead!


It all starts with your value-based goals and the things that are important to you. Maybe your goal is to get out of debt. That's a great start, but why? What does getting out of debt mean for you?


What does it look like? Be specific, you want to see all of the details. What are you doing? Who is with you? What do your days look like? And so on.

What emotions can you attach to your goals? How do you feel when you imagine achieving them? Are you excited? Filled with joy? Happiness? Pride?

Use your senses in your visualization. What do you see? Are there any specific sounds you hear? What can you taste? What aromas can you smell? Is there anything you can touch?

Write down as much detail as you can. You want to be able to create a vivid mental picture of it, so vivid that you feel like you are living it!

Maybe reading your description is enough to get you motivated and to keep you motivated, but if you want to be more, create something more visual, a drawing, or a painting or a collage of pictures. Or maybe you would prefer to put it in a song!  

It’s up to you, let your creative juices start flowing and do whatever you need to do to help you keep a clear mental picture of your goal, with all of the emotion and the sensuality of it!

The next part is to visualize the process of reaching your goal. What steps do you need to complete to reach your goal?

"See" yourself completing each step, how does it feel? Which of your senses is being engaged?

As Frank Niles, Social Scientist puts it, "It is a powerful way to achieve positive, behavioral change and create the life you desire."

Visualization can help you stay focused on your destination,  but it alone does not guarantee success in achieving your goals. There is more to the process than just thinking and dreaming about reaching your goals, you also have to engage in the activities that are aligned with them.


So what do you want? What does your desired life look like?