I AM RichBlackGirl.com

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I AM generational wealth. I AM creating generational wealth. I AM a combination of my father’s high IQ and my mother’s high level of creativity. I AM a holder of a Master’s Degree in Computer Information Systems with a Concentration in Finance and Accounting. I AM a Licensed Real Estate Broker NestEggRental.com and former Mortgage Broker. I AM a Published Author with distribution through an international publishing house. I write technical manuals, self-help books, I produce a 3 year old blog about money & finance. RichBlackGirl.com , I AM a Licensed Master Cosmetologist and Health & Wellness Specialist. I AM a Novelist with national distribution through an international publishing house, I produce shows through my media company InboxMixedMedia (Google it). I AM a Recording Artist, producer and distributor of meditation recordings. I AM a Forex & Options Trader, I produce events and facilitate workshops and seminars, I AM generational wealth and I AM wealth and wealthy, NOW!

BTW-I AM an Ordained Minister YourAlliance.Org

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What Money Isn’t

Money is not the stuff you fold and put in your wallet. It is not the numbers you see when you log into your online banking. Money is your emotional value of yourself. It is a reflection of how often you emit feelings of lack and limitation and scarcity. It’s a physical representation of your hopes and fears.

Feelings of financial security will occur when you feel professionally secure and emotionally worthy and self-assured. Then the money will follow. This is what it means to say, “Feel and act as if you are rich and you’ll be rich.” Many people misunderstand this and go out and spend lots of money on expensive items because this behavior is what their mind associates with being rich or wealthy.

It is assumed that if you’re doing what you love you will feel professionally secure. You may feel professionally secure but you must also feel valuable and personally worthy.

Many people don’t believe you should get paid for doing something you love to do. To attract money you must see what you do as valuable. To attract wealth you must see yourself as worthy and you must love what you do so that you don’t feel feelings and think thoughts of lack and negativity.

You can get paid doing things you don’t like and don’t enjoy but wealth will not find you. 97% of the working-class proves that working for wages without emotional satisfaction and fulfillment will not make one wealthy; I don’t care how big your salary is. To be wealthy, you must express wealth in all that you do.

You must express a wealth of time, by never saying, “I don’t have enough time” or even thinking or feeling it. A sense that time is running out is an expression of lack and urgency. When you go into urgency mode your survival instincts kick in and you lose sight of what you’re accomplishing. You become resistant and therefore lose your creative touch. I am not suggesting that you approach projects and tasks with a lackadaisical attitude. That too is an expression of limitation and scarcity. It’s also a defense mechanism. You should have respect for and uphold deadlines and time constraints but you don’t need to freak out about them.

You must express wealth of energy by never saying, “I’m tired” or by cutting corners on your work because you don’t “feel like it.” “I don’t feel like it” is another way of saying I have the energy to do that but I’m choosing to suppress the energy because I’m allowing some thought of lack or limitation to consume me.

You must always feel that your work is top quality and high value to attract wealth. You must be on time for your clients or your job and you must be in a high quality state of mind. Meaning, you feel good about yourself and what you have to offer. This means, if you need to get up an hour earlier to work-out so that you feel energized and strong, do so. Then you may also need to go to bed an hour earlier so that you feel well rested. Feeling well rested and in a good state of mind and body is part of your offering and is of value. Wealth is a lifestyle not just something you have in your bank account.

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Who’s Buying What You’re Selling?

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Many new entrepreneurs think in terms of what they believe their target market can afford. The people in your head buy based on affordability. People in the real world buy for emotional reason, regardless of their income. Just think of all of the women of little means wearing expensive hair weaves and carrying designer handbags. They value outward appearance so much that the price is not of primary concern to them, as long as their friends see them as having the means to afford their wares. They will allow themselves to suffer financial hardship to make themselves appear as if they are financially well off. Their self-worth is connected to labels and the appearance of wealth, through the accumulation of stuff. Many smokers would rather smoke cigarettes than eat. They’ll find the money to fund their habit.

Can we agree that affordability is not an issue?

Ask yourself, “Regardless of affordability, if I were in my customer’s shoes, would I pay me this amount of money for the service that I am offering?” If you would, why would you? What are the emotional benefits of buying what you’re selling? Write them down. Would your demographic be interested in those benefits? If you are not your demographic, create an avatar of your perfect client or customer.

Now ask yourself, “Why would this person want this product or service that I’m offering? How does it benefit them, emotionally? Why is it worth this price to them?”

The best answers are the most emotional.

Asking yourself these questions will allow you to see the truth of the matter. You will determine whether or not you’re truly offering something of benefit. You can use this information to determine the proper price point and this will also give you a good foundation from which to build your marketing.

Imagine your client is asking you:

“What does this mean to ME?”

“Why should I buy this service over all the other services offered?”

“Why should I buy it from YOU?”

What about the customer who doesn’t even know they need you?

The Truth About Your Clients

The truth is, there are a large percentage of your clients who do not know they need your help. They desperately need you, they just don’t know it.

The minuscule number of people who actually know they need you and are shopping around for your services are also shopping for the services that your competition provides. Your competition is also marketing to them just as you are.

Aha moment! You need to market differently to different types of potential customers.

-The “Need to Buy” Customer

This group accounts for 6% of customers. They need your product or service and they may even know they need it, but they’re not necessarily motivated to buy at this very moment. For example, a life coach may need a personal assistant because her business has outgrown her one man operation. She’s been doing it herself for so long that she doesn’t see the need for an assistant until she’s in session with a client and another client calls to book an appointment. Whenever she thinks of hiring an assistant all of her objections to the time it takes to recruit, hire and train someone is stronger than her need to hire an assistant. She certainly doesn’t have to hire an assistant but if she wants to grow her business she’ll eventually have to. With this type of customer, you need to show them how much greater their life would be with your services.

-The “Want to Buy” Customer

This 4% of customers is well aware that they need what you’re offering and they’re shopping. They’re probably already emotionally hooked. What will be their tipping point, price, terms or selection? This is that tiny percentage that the competition is fighting for. With this type of customer, you need to show them that you are the best service for the best price.

-The “Have to Buy” Customer

This customer makes up about 29% of your prospects. This client is being forced to use your product or service either now or in the future. For example, a car customer automatically becomes an insurance customer. Legally, (s)he has to buy car insurance. Nowadays, many landlords even require renters insurance. For these customers there is an obligation to buy, but they don’t have to buy from you. With this customer, you need to show them that you are the best option. This needs to be done in an emotionally reassuring fashion because the customer is required to buy from someone, which is not an enjoyable way to spend their money.

-The “Unconscious” Customer

31% of your prospective clients are unconscious to the idea that they need what you offer! This is your best opportunity for success and a great demographic to focus most of your marketing. I’ll give you an example using this very book that you’re reading now.

For someone who is employed and brings in enough money to afford their bills, this book may not seem necessary. The unemployment rate has been grossly down played to give the appearance of an economic recovery. Plus, the gainfully employed have come to rely on their paycheck and lifestyle so much that they are not financially or emotionally prepared for a layoff or job loss. They don’t know their employer is looking to cut expenses and increase revenue by cutting wages. They’re not aware that their employer has interviewed three people that will do the job they’re doing for a fraction of the money and for no benefits.

They’re unconscious of the fact that there are many people out there who will do their job for much less pay, who may even have a more marketable skill set. So it’s my job to reach those readers as well. I ask myself the same questions included in the previous section. “What makes them angry? Who makes them angry? What keeps them up at night?” This helps me create marketing that speaks directly to them.

No matter whether you’re employed or unemployed everyone seeks personal empowerment. My marketing speaks to people who want to be able to make their own way in life and not rely on any one source for all their needs. People want to be fulfilled and feel significant in their work and they want to feel secure and financially free. I don’t know anyone who isn’t in the market for more personal empowerment. Take this same thought process and apply it to your specific market. Once you find a way to reach the unconscious customer group, your business will grow tremendously.

Now… are you ready? Ready to make some real MONEY? Click Here and take a look at this innovative direct sales company that offers excellent “instant gratification” weight loss and beauty products! The weight loss industry is big business, especially when the products actually do what they say they do! People are losing 10 lbs or more in 10 days with these amazing product and making $5000, $10,000 and even $20,000 per week. I mean, let’s face it, health is wealthy! In the case of this dynamic company that statement is true literally and figuratively. People are getting the slimming their bodies and fattening their bank accounts. You can be our next six-figure fitness success story!

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How To Get a Job Fast In Atlanta

So, I live in Atlanta, Georgia right now and everyday I come across somebody who is new to the city. As a public speaker and published author I speak to a lot of people on a daily basis. Most of them tell me they’ve been here in Atlanta for anywhere from 3 days to 3 months. Most people move here because they’ve heard there’s opportunity here in Atlanta. Maybe they’ve seen an episode of the The Real Housewives of Atlanta or Married to Medicine and they want to come and get in on some of the wealth energy that surrounds the city.

Ok, nothing wrong with wanting to bask in the glow of new money but in the A-T-L you gotta know what you’re doing if you want to get hired. You gotta know someone or you gotta be one hell-of-a-talented person if you’re looking to get hired fast around these parts. Miss Atlanta ain’t the city you just “take by storm” nah. Don’t get me wrong there is money here and there is opportunity but you’ve got to know how to tap into it!

First and foremost, understand that Atlanta is a talented and well educated city so come correct or don’t come. I’m baffled by the number of ridiculous resumes that cross my desk. As a business owner and entrepreneur I am inundated with cover letters and resumes and 95% of them look like crap and are a snore to read. People ask me why it takes so long to get called back after submitting a resume. I can’t speak for other employers but I’ll tell you this, I get so tired of wading through these so called resumes that are nothing more than a bunch of action words on paper, the thought of bringing one of you in for an interview is sickening. I mean, really? The sad part is most of these applicants actually went to University! Did they NOT teach you all how to write a resume or how to sell yourselves to potential employers? Well since they obviously didn’t I guess I’ll do it. For the sake of all employers out there, I’ll give you some basic tips on writing a resume that doesn’t put recruiters to sleep.

Suggestion number one: Write a list of your ACTUAL SKILLS. Not the action words that you think employers want to hear, no. Actual skills like software programs you’re proficient at or industry standard practices and procedures. For example; here is a portion of my personal resume from when I was working as a property manager.

2010-2013                             C.S. Asset Management, L.L.C.                                       Clarkston, GA.

Property Manager               single & multi-family                                                      Sub-contractor (FDIC)

Extensive experience resurrecting foreclosed, under-managed, underperforming properties to desirable residences & profit centers. Served as Technology Administrator for all systems at 7 sites including; rent roll, banking, phone and all computer hardware and software (OneSite, etc.) systems for 7 of 16 properties.

  • Successfully negotiated payment dispute with HUD/Section 8 resulting in a recovery of $14,400 in rent payment arrears.
  • Rehabilitation and lease up projects exceeded 100% quarterly income and occupancy goals achieving 207% ROI per unit over 2 years.
  • Responsible for outsourcing and IT staffing resulted in a $120,000 bottom line savings over 3 years.
  • Vendor management and negotiation skills resulted in a total savings of $31,000.00 over 3 years.
  • Reduction of costs of over $200,000 in court, attorney’s fees and vacancy costs.
  • Creation of new revenue streams that brought in over $3.6 million over 3 years
  • Consistent identification, growth and mentoring of staff resulting in 86% being awarded the companies Excellence Award and 5 received perfect scores of 30 out of 30 on secret shopper assessment (20% over company average)

Notice how I’ve told the reader what I’ve accomplished. They can judge for themselves if, based on the descriptions, I’m hardworking and determined. First of all you might think you’re hardworking but someone else may think you’re a lazy bum with no work ethic. So don’t just say it, prove it. As an employer when I’m reading your resumes I’m wondering, “what did this candidate do for their previous employer and how can they duplicate or top that at my company?”

The other thing is… please, for the love of money, stop putting all those little stars and stripes all over your resume. Don’t submit “fluffy” resumes. No amount of special characters and widgets will make up for lack of experience or education so stop fooling yourselves. Employers don’t want pretty resumes. They want simple, easy to read, straight to the point, one page (if you can pull it off) resumes that answer the question, what have you done and how will you benefit my organization.

Suggestion number two: Use a resume builder program. My favorite one is Live Career. <–Click on it. It’s great! It offers several different formats and will help you to resist the urge to fluff your resume. Plus they offer resume styles for different circumstances. Like if you have gaps in work history or you’re transitioning from the Military or even if you’re changing career fields, there’s a format for that and Live Career has got it! No seriously, use them. There’s nothing wrong with asking for help, especially when it comes to gettin’ them coins, hunni!

Suggestion number three: Please put a working phone number as your contact information for potential employers to reach you by. I think that’s self explanatory. I’ll also add, be in a quiet place where you won’t be disturbed when you return a call from a potential employer. Have a pen and piece of paper handy and remain calm while on the call.

Suggestion number four: Make the content of your resume relevant to the job for which you’re applying. Does this mean you might need a different resume for each job that you’re interested in? Yep! That’s exactly what it means. If you read a job ad and there are words in the ad that mean the same thing that’s in your resume but the terminology you used is different, use their terminology. Many companies use robots to crawl your resume for keywords and some recruiters simply don’t know that those different terminologies mean the same thing. So help ya-self out and make it easy by using the employers preferred terminology, ok? OK!

Now… are you ready? Ready to make some real MONEY? More money than J.O.B is willing to pay?  Click Here and take a look at this innovative direct sales company that offers excellent “instant gratification” weight loss and beauty products! The weight loss industry is big business, especially when the products actually do what they say they do! People are losing 10 lbs or more in 10 days with these amazing product and making $5000, $10,000 and even $20,000 per week. I mean, let’s face it, health is wealthy! In the case of this dynamic company that statement is true literally and figuratively. People are getting the slimming their bodies and fattening their bank accounts. You can be our next six-figure fitness success story!

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Become a Millionaire in Less than Two Years!

20 month millionaire backgroundWant to become a Millionaire in less than 2 years? Here’s how. Create a mastermind group format of 2 or more people who meet on the phone, in person or on skype for 1 or 2 hours per week. The mastermind group format was spearheaded by none other than Napoleon Hill.

“No two minds ever come together without thereby creating a third, invisible intangible force, which may be likened to a third mind.” (Napoleon Hill author of think and grow rich)

Mr. Hill describes a mastermind group as “The coordination of knowledge and effort of two or more people, who work toward a definite purpose, in the spirit of harmony.” The beauty of Mastermind Groups is that participants raise the bar by challenging each other to create and implement goals, brainstorm ideas, and support each other with total honesty, respect and compassion. Mastermind participants act as catalysts for growth, devil’s advocates and supportive colleagues. The participants have 1 goal and spend a specified amount of time, at a specified frequency (usually 2 or more hours per week) talking on the phone or meeting with one another to make good on the promise of this goal.

You and your mastermind group members will need a few tools. First you’ll need a journal. The money journal is necessary to track your spending and otherwise pay attention to your finances. “Where focus goes energy flows” Treat your money as if you were courting the man or woman of your dreams. Do not neglect your finances or place this very important part of your life on a shelf for future acknowledgement and attention. This needs to be a priority. Do not mix any other information in with your money journal. This is a sacred living document. Sacred because you will experience a spiritual, mental and physical change and it will all be recorded in this journal. We refer to this as a living document because it will grow and transform as you and your finances transform as you will refer back to it often for insight and guidance.

You’ll also need a 20 month calendar and savings schedule as well as an interest bearing checking or savings account. There are a few Rules you and your mastermind members will have to follow. No excuses, no asking questions outside of the group, you must be completely open to all members of the group and you must surrender and fully commit to your success and this process.

In the first 8 weeks you lay the foundation by adopting a budget, open an interest bearing account, create a journal, make a deposit calendar and list all expenditures and income sources. You’ll need to decide how you will (aside from your everyday jobs) earn your million by starting or expanding your existing business. You’ll identify areas of concern and needs improvement by breaking down your money consciousness. Are you a spender or saver? Are you cash poor but holding many assets?  What are your dominant money beliefs? Do you believe money is power, money is the root of evil, money is hard to get, people with money are usually criminals or money equals success?  What is your money comfort level? For most of us there is a point where we feel comfortable with our income but if we begin to earn more than that set amount we seem to lose the job or the business partner quits or we feel we just can’t go on. Maybe you  just can’t seem to make more than __________ amount of money.

Once you work through these obstacles you’ll identify accomplished goals from your past and your main motivations and obstacles that caused or effected the outcomes. You’ll also calculate your personal net worth and your projected annual income for the coming year. You have to know where you are so that you can create a road map to get you where you want to be.  Through this process you’ll give yourself permission to attract more money. Admit it! You’re already wealthy. You have talents, gifts or abilities other than your job. What’s your invention or dream business? That thing you’ve always wanted to do, your mastermind group is here to motivate and support you through until you develop the inspiration.

Next, it’s time to determine how you and your business serves the community and your contribution to society. This is how you will come to fully understand the value that your company brings so that you can put your products and service offerings in proper perspective in terms of market value.

Contacting your debtors and approaching them for payments will also be a part of the process. This will help you get comfortable with having uncomfortable conversations about money without internalizing them or taking the other party’s reaction personal. You’ll also develop your money power statement and a money ideology. This way you’ll know instantly when and if its appropriate to spend your money or invest your money in certain ways.

Whew! Thats a lot to get done in the first eight weeks but you can do it! Or you can call me @ 404.600.9938. I build and facilitate these mastermind groups. And even if a member doesn’t have a dream business, product or service then I have many, many suggestions (based on a persons likes, dislikes and goals) that will earn them a million dollars!

I’ve developed a program that has changed many lives and created several millionaires. This system has a 60% success rate of participants becoming Millionaires! 100% of participants have a dramatically better financial situation than they had when they began this process So if you’re ready to become a millionaire over the next 20 months give me a call! 404.600.9938 or email drmoore@richellemoore.com .

There is a $40 commitment to get started then $10 per session thereafter. The sessions are weekly sessions that last from one to two hours per session. See you at the top fellow Millionaire!

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What Its Really Like To Work From Home

SAMSUNG CAMERA PICTURESSome people envision working out of their home as a dream lifestyle, where they can do what they want, when they want. Well, as long as what you want to do is work and earn some money, then that would be true. First, it takes some time to get used to your new work schedule, whatever that may be. You no longer have to be out the door by a certain time or face your boss bitching you out because you’re late. As your own boss, you have to hold yourself accountable and the success of your business depends on it. You will be the responsible party.

You will no longer receive a guaranteed paycheck at guaranteed frequencies. So you must stay on top of your own billing and adjust your monthly budget accordingly. Also, spend your time wisely. Set your work hours, focus on work and avoid distractions like social media and personal calls. Stick to your set work hours, you’d do it for a traditional employer so do it for yourself. You have the freedom to meet your spouse for lunch, but will that interfere too much with your work? Remember, you’ll also be your own problem solver.

One way to manage your time is to schedule all of your leisure time first. Go through your calendar and block out time for workouts, lunches, picnics, family time and personal time. Then schedule your workload around that. It’s important to have work/life balance.

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The Value of Value

penny The value of one single coin can exceed some people’s entire life’s earnings.

In medieval times people deposited their gold and silver with goldsmiths for ‘safe keeping’. In exchange people were given a certificate that represented the value of the gold or silver they deposited.

Instead of going to the goldsmith, withdrawing their gold and taking it to the farmer to buy food, people would simply exchange their certificates for goods and services. Merchants also deposited their gold with the goldsmiths. It was much safer and more convenient than carrying all their gold around everywhere they went.

Goldsmiths noticed that people seldom withdrew their gold. So when people in need came to them for gold, they simply loaned them the value of the gold they needed in the form of a certificate. When the needy wanted to purchase something, they’d give the salesmen the certificates they’d gotten from the goldsmith. Then the bank- I mean safe keeper charged interest in exchange for allowing the needy to borrow the paper certificates that represent the gold.

As fewer and fewer folks came to collect their gold, goldsmiths figured they could issue at least 10 times more certificates than the true amount of gold that was actually in their possession. The interest they charged meant eventually, the bank would end up with more gold than they ever had in the first place! This is known as fractional reserve banking.

Today those paper certificates are called money. Goldsmiths and safe keepers are known as banks, brokerages and accounting firms. Despite the end of the gold standard in the 1970s, people still believe in the value of these paper certificates.

Even though the bank issued loans for far more gold than they ever had in their possession and even though there is no longer a gold standard we still believe in the value of money. Our confidence in the represented value of these pieces of paper is what we now know as the economy.

So what is money? Ultimately, it is based on belief. It’s a confidence game. Banks, goldsmiths and safe keepers created money out of nothing. Their scheme only works as long as your confidence or belief in its value is still in tact.

The age of technology has taken this game to a whole new level. Financial transactions via virtual credits in a globalized economy represent credits that never existed to begin with. The bitcoin technology is the newest financial game changer. C’mon, you don’t think your bank physically sends someone to your landlords bank with the money they withdrew from your account do you? They type a number of virtual credits into the computer which represents $X,XXX.00 “value”. Your bank gave your landlord’s bank something it never had in the first place and BAM! Your rent is paid. Value is equal to your belief in it.

Money is a belief. Economy is a confidence game and because your value is whatever you believe it is and wealth is YOUR energy.

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Money. How to Do It.

Money Energy Schoolprice-valueMeme

I was never taught money in school, were you? To me a budget was just a list of my expenses versus my income and there was always more month than money. Who wants to make such a depressing list? Not me. What exactly does it mean to live below your means? I’m already doing that. So what? That was my attitude before I took the time to teach myself about money.

This article will unlock the secret code to the most popular money clichés and show you how to use them to your benefit now and in the future.

You’ve heard all the cliché money advice, I’m sure. Advice like, “live below your means” “Pay yourself first.” And “follow a budget and savings plan” seem to lose something in translation.

If I live much more below my means, I’ll be living in a cardboard box. Having a roof over my head today is much more important than saving for tomorrow, which never actually shows up. It’s always today. When was the last time you noticed, it’s tomorrow? Never, that’s when. Although I know I should make better use of my money today for a more comfortable future it’s just not that appealing. What sounds good in theory can be a bitch to apply in real life.

Financial vagueness is one of the most detrimental money habits one could adopt. Most people allow money to make them instead of them making money. Have you ever asked yourself how much money you want to earn? I’ve heard all kinds of answers to this question. “Six figures” is the most popular answer. I also hear stuff like, “I just want to be comfortable.” What does that even mean?

Fuzzy fiscal statements can be a sign of emotional baggage and ignorance. Our behavior with money is attached to how we feel about it. For money to be your obedient servant money needs to be put into perspective.

These exercises work whether you’re just starting out or even if you’ve been out on your own for a while and you’re ready to give yourself an economic boost. Ask yourself, where do I want to live? How much is rent for that neighborhood?

  • Visit the town where you want to live. Shop for a crib. Talk to the leasing agents on various properties. Ask about application fees, processing fees and pet fees. Remember, lease terms are negotiable. You can create leverage by agreeing to sign a longer lease term for a better monthly rate. For example; instead of a 12 month lease sign an 18 month lease for $50-$100 less per month.
  • Call the water, electric and gas companies to find out the average monthly bill for a 1 or 2 bedroom apartment in your chosen area.
  • What will it cost to have the cable and internet package you’ll want?
  • Make a grocery list for the week. Take the time to go to the grocery store and write down the prices for each of the items you’ll need to nourish yourself for an entire week. Don’t guess and don’t be conservative. You want to be honest with yourself. Be sure to include tax.
  • Multiply that number by four and there is the monthly food budget.
  • Remember to include renter’s insurance, cleaning supplies and toiletries.
  • If you own a car and cell phone include your car payment, insurance, gasoline and monthly cell phone bill.

Now add all of that up and multiply the total by four. That will determine how much money you need to earn.  Below is a beautiful budget that will allow you to walk the cliché talk and create financial surplus to truly live comfortably.

  • Long term savings 15% – Pay yourself first! Now that there is an account setup to take care of your long term future care needs you can relax and see the light at the end of your employment tunnel. Your retirement years are bright. You’ll have enough money to take care of all your needs. This evokes feelings of freedom and security. You have an exit strategy and you know your working years will come to an end.
  •  Short term savings 10% – Pay yourself first and SECOND. Otherwise, who are you working for? This is for your next car or some personal item you’d enjoy. Every six months or so, a portion (less than 40% of the total amount) of this should be used to buy yourself something pretty.
  •  Investment & Business 40% – Depending on your job, costs associated with cell phone, internet and software/computer equipment may fall into the category of business expenses. If you use your car for work gasoline and even a portion of your car payment might be considered a business expense. Health and life insurance premiums are business expenses. Also gym membership and any personal services that are required for you to look and feel your best while conducting business would be part of the costs of doing business. Many companies require men to be clean shaven so a trip to the barber or hair salon might be considered a business expense.
  •  Spend a portion of your income in a manner that supports your goals and empowers you. Invest a portion of your income in a way that produces more income such as in the stock market or start a small business of your own. Until you know exactly where you want to invest your money put 25% (of the 40%) into an interest bearing savings account.
  •  Household 25% – I call this mundane money. This insures you have a roof over your head and all the necessities of a home environment. Knowing there is a bank of money specifically for your home environment allows you to feel secure and comfortable. You know everything vital to your basic standard of living is taken care of. You don’t have to stress over it or think about it. It is done. This includes; food, rent or mortgage, gas/electric, water/sewer, property taxes, home maintenance products and services.
  •  Education 5% – You must constantly sharpen your skills. Technology and industry are changing every day. Continuing education is crucial to your long term success. This money is to be spent on books, seminars, workshops, classes, courses and conferences that add to your personal development. Self-development keeps you in the game.
  •  Fun 5% – You have to be serious about your fun! This adds to your financial security because you know everything else is covered and this money is for you to blow however you wish! My recommendation is that you choose new, interesting activities and enriching experiences. Try some stuff you’ve always wanted to do. Try some things you never thought you’d want to do. This money is an instrument for your happiness and broadening of your awareness. Many people find the subject of money to be boring and stuffy. Having a fun fund is a great way to get that stick out of your ass and finally have some financial fun!

If you get direct deposit you can set it up so that your paycheck is automatically divided up in this manner. I keep a separate account for each portion of my money.

Be creative with this! Take a bit from your business expense account and combine it with some education money and some fun money and take yourself on a business trip. Meet with a potential client in another city, attend an educational conference and do something fun while you’re away. When you manage cash in this manner you feel like you have money to do everything you want and need to do. You feel rich! You feel enriched and fulfilled because you’re deliberately handling your funds in a way that remind you to have fun, educate yourself, groom and care for yourself, save, invest and live a healthy wealthy life.

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Charis Books & More Workshop

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Thank you all so much for joining me on Thursday February 5, 2015 for my workshop  at Charis Books and More an Urban Sustainability and Wellness Event! I had a blast! If you missed it, here are some of the highlights…. We discussed;

“Why I keep my toothbrush in the refrigerator.” Trust me it’s relevant!

I also explained why education doesn’t change behavior and is not a good predictor of success. I explained exactly what is a good predictor of success and how to stand out to a potential employer. I demonstrated how Americans are being left behind in the global economy and how the internet has reinvented our economy. We’re now in a post-employment economy and I also defined what that means and how this major shift will effect you.

We’re in the age of change and we need to change along with it. I shared what areas change is needed, and why and how to make the shift! I also told participants how outsourcing, downsizing and a collapsed economy and job market are actually of benefit to you! And what some may feel was the most important part of my presentation; a delivery service that will bring condoms to your door as late as eleven o’clock at night. LOL! no, it’s not a hyperlink it’s just underlined so you can stop trying to click it. :)

I was able to share lots of information and I hope you’ll join next time. In future blog posts, I’ll be exploring car insurance. I’ll explain what makes a good policy and what to look for when researching potential insurance partners. I’ll also tell you some of my personal experiences. I have some shocking information that you’ll want to be aware of whether you’re a policy holder or plan to be in the future. This information may make you cancel your coverage! Chat soon….

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Put Money Into Perspective

Put money in perspective

Put money in perspective

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