Top 10 Questions That Will Transform Your Finances

A lot of people are really struggling with rising costs and shrinking pay checks. If you’re one of the people caught up in that struggle, here are the Top 10 Questions you can ask that will Transform Your Finances.

1. What could I do to raise the money I need for that? The next time you are planning a purchase that will put you in debt, whether it’s a car that you’re going to be making payments on or something you’re going to put on a credit card, ask yourself how you could raise the money for it instead so that you can pay for it in full. If you’re willing to ask this of yourself on a regular basis you’re going to start getting some very powerful answers that could radically alter your life.

2. How can I put my money to better use? This question assumes that there is always a more effective way to use your money. Living this question will hone your radar for opportunities.

3. How could I put my money to work for me? This is an especially powerful question for people living paycheck to paycheck. Instead of using your money to survive, how can you use your money to thrive?

4. How can I use my money to make more money? Use this one to start moving into the realm of passive revenue and a life that has your money doing the work instead of you.

5. What attitude, belief or assumption do I need to change about money? There’s always work to be done and new ground to be taken in our attitudes about money and all the areas of our lives that are affected by it. What are your attitudes, belief and assumptions? Which one could you work that would have the biggest impact on your finances?

6. How do the people I spend my time with affect my financial well being? If you took the 10 people in your life that you spend the most time with and averaged out their income, it’s probably going to be what you’re currently making.

What are their beliefs about money? What do they encourage you to do with your life? Are they the kinds of things that you want more of in your life? What do they discourage you from doing? Do they give you the support you need to move away from the things that are keeping you from being more successful?

Consider adding people to your circle of friends that already have what you want to achieve and encourage people to live their dreams.

7. What can I do today that would have the biggest impact on my finances? Who could you talk to? What expert could you hire? What have you been avoiding? Tackle the one that’s going to give you the biggest bang for your buck – literally.

8. What could I learn that would have the biggest impact on my finances? Where do you need to raise your financial intelligence the most? Start in the area that will have the biggest impact. Unfortunately, that’s often the area that we work the hardest at avoiding.

Perhaps you need to figure out a way to raise your income, maybe you need to learn more about managing the income you already have, or maybe it’s way past due for you to start educating yourself about investing.

9 Who could I have on my team that would have the biggest impact on my finances? Maybe it’s time to hire a coach, find a mentor, hire an expert or recruit a friend into a new role in your life. Who would have the biggest impact?

10. What talents, skills and abilities could I use to have an immediate impact on my income? How can you leverage what you already have into having an immediate impact on your income?

Your partner in saying “YES!” passionately to life,

Tracy Batwinas

Tracy Batwinas is a serial entrepreneur of several successful companies. From her no nonsense approach to her deep love for and commitment to people, Tracy’s approach cuts through the BS and offers people an honest and authentic way to start their own successful online business and get on with living the life of their dreams. Coach, consultant, trainer and your most committed cheerleader – Tracy leaves it all on the field. Copywriting, Business Coach, Technical Consultant and Social Media Marketing Maven! Go to the Have It Now blog today and get your free Fast Track Online Business Start-Up Kit today!

Money and Finances in the 21st Century

What does planetary and human evolution tell us about our financial and economic future?

Just this! Human evolution can not be seen as separate from cosmic evolution. Our Universe is a living organic entity and we, the human race and our ability for survival are an integral part of this infinitely on-going metamorphosis of great power and energy. Knowing how to dance to the cosmic rules of evolution and what blocks us from accessing the flow of spiritual resources that lead us to a flow of the material ones, helps is to navigate through these challenging times with more purpose and ease.

Today’s challenges ask us to take a fresh look at how our beliefs and perceptions affect our choices we make around money. Today’s financial and social economic crisis triggers some of human’s most fundamental fears, especially the fear of survival. At the same time, it is an opportunity for us to look at what blocks us from accessing the flow of spiritual resources that lead us to a flow of the material ones.

Watching the German news and the European Union’s actions to bail-out Greece to prevent it from going bankrupt, I was again reminded of the continuous disclosures of unethical and fraudulent behavior on Wallstreet and the big American and European banks’. Not a day goes by without reports about new catastrophes showing us how unsustainable our way of life has become. Fear-based, outmoded thinking of lack and scarcity is driving big corporations’ and governments’ re-actions to the various crises. They are desperately trying to fix the symptoms by pumping non-existent money into economically and environmentally unsustainable systems and structures. I cannot help but draw a comparison between a cancer that eats away at the body and this dysfunctional, unsustainable and irresponsible behavior displayed globally in all areas of life.

Because we are all exposed to this great transformative energy, good questions to ask around money and finances are:

What is my financial situation telling me about who I am?

What are other aspects in my life telling me about how I deal with money?
Because money itself has no intrinsic value and is only a symbol for the exchange of energy:
how do I invest my energy?
Do I invest my energy in keeping up with the Johnsons, trying to avoid loss or never have enough of it?

Despite these futile endeavors of trying to fix problems at the level of the symptoms, a new human being, a new world, a new economy and new monetary system is emerging like a Phoenix rising from the ashes. While all this chaos is going on, a new world based on love rather than fear and lack is emerging. And, we are its co-creators. We are, each and every one of us, part of this greatest of human transformations ever played out on earth.

Diana Caughell is founder and president of NuLifeTraining4U, a company dedicated to empowering clients to live a healthy, happy and successful life. Clients learn every-day practical mental and spiritual power tools to achieve long term sustainable personal and professional success. She works with individuals and companies, gives lectures and workshops on topics of personal growth and development, human transformation and evolution.

Ten Tips for Transforming Your Relationship to Money

“It’s easy to look back on the past and beat ourselves up for all the wrong turns, incorrect assumptions, and false hopes that have led us to our current financial disappointments. We label them “mistakes” and write them down in our book of life as failures, then wonder why we feel overwhelmed, oppressed, and too scared to try again.”

- Sarah Ban Breathnach, Peace and Plenty; Finding Your Path to Financial Serenity

When it comes to taboo discussion topics, personal finance is often right up there with sex.

And that’s a shame. Literally. Talking about money is usually avoided because of shame. Unfortunately, this avoidance simply tends to lead to more of the same mistakes being made. Fiscally questionable patterns arise when assumptions and habits are left… unquestioned.

I recently I took a one-day course entitled, Transforming Your Relationship to Money. The workshop was taught by Inga Michaelsen, a business coach. The day was a real eye-opener – and heart opener. I was a bit surprised at how emotional many of the participants became. Tears fell as tales were told.

When it comes to money, people are often not just ashamed of the choices they’ve made (and the impacts these choices have had on their lives and loved ones), they often also struggle to understand why they made them in the first place, never mind forgiving themselves for doing so.

But of course, before one can understand why a certain financial decision was made, one needs to first be aware that one actually was made. Oddly enough, this isn’t as obvious as it sounds. Apparently, many of our financial “decisions” are, in fact, made more or less unconsciously.

To help us better understand this, Inga started the day off with a group discussion around three common cultural myths beneath many of our beliefs, based on the teachings of Lynne Twist, author of The Soul of Money:

There isn’t enough to go around
More is better
That’s just the way it is

When it comes to money, time or love, it would seem that a real scarcity mindset exists.

Twist explains the danger of this: “When your attention is on what’s lacking and scarce – in your life, in your work, in your family, in your town – then that becomes what you’re about.”

In other words, what we focus on/pay attention to expands, so we would be wise to focus on all that we do have versus what we do not.

“What you appreciate appreciates.”

- Lynne Twist

However, in my experience and observation, we tend to dwell on what we don’t have – or don’t have enough of… particularly when it comes to money.

But what is enough?

To help us get to the heart of this rather loaded question, right before lunch Inga had us do a simple but effective exercise on gratitude. In our small groups, we each shared all that we have – or have had – in our lives to be grateful for.

After listening to myself tell the others in my group my rather extensive list of all that I’m grateful for, I laughed out loud at my bounty of blessings. I already have enough… of everything. All I have is all I need.

Another interesting concept discussed during the day was that how we spend, save and/or invest our money is connected to our story about money. And apparently we all have one.

To help us get to the root of what our story about money might be, Inga gave us homework to do over lunch. We had to think back on our life, in 5-year intervals, and recall an incident or event in each interval that had to do with money – and then see if any sort of pattern emerged.

Oh yeah.

In the afternoon we discussed spending habits and how money flows in our lives. Intentional spending refers to spending your money on what you are committed to rather than on what others want you to want. In other words, do we spend our money on things we really care about? Or on things we think we’re supposed to care about i.e. what advertisers tell us we should care about?

Inga suggested that spending our money is one way for us to express our life’s purpose in this lifetime – so to try and think of our purchases in terms of whether or not they are in line with our life values.

IS the way we spend and/or save and/or invest our money a reflection of our values? This is an interesting question because when we discussed it further as a group, it became clear that we often struggle with conflicting interests; how we spend our money may have negative impacts on others.

For example, one woman in the class raised the issue of fast fashion and how the dyes used in the garment industry pollute rivers plus millions of tonnes of clothes end up in the landfill after scarcely being worn. She also mentioned the harsh realities of child labour and the horrific working conditions for many people working in the garment factories in developing countries.

Then I brought up my personal concern about my love of travel and how I struggle to reconcile my passion for exploring new places with the reality of the significant impacts that travel has on the planet, such as greenhouse gas emissions.

All in all, the course was a resounding success: it certainly got me thinking differently about money, which is a step in the right direction towards transforming my relationship to it.

Ten Tips for Transforming Your Relationship to Money:

Ask yourself: what is your relationship to money? Love, hate or indifference?
Focus on all that you already have – people, pets, purpose, possessions, health, etc
What you appreciate appreciates
Do not dwell on what you don’t yet have i.e. what you lack
What you focus on expands
Pay attention to how money flows through your life
Think of all the good you currently do – and have done – in the world with your money
Forgive yourself for past financial decisions
Be mindful of how you spend your money: do your purchases reflect your values
Are you aware of your “story” about money? Is it serving you or holding you back?