Why are you still tired, broke and enslaved?

A supportive money attitude and mindset are required to attract money and keep it flowing in your life. Are your thoughts and beliefs supportive of prosperity and abundance, or do your beliefs reinforce scarcity and lack?

Mindset Alerts

Mindset Alerts refer to a non-supportive thought or belief you currently hold. As you hear yourself express limiting thoughts, it’s important to realize that such thoughts no longer serve your best interests or highest good. They impede your progress.

Thoughts about money that should signal High Alert include:

I’ll never have enough money.

It’s more spiritual to be poor than rich.

I’m not worthy of becoming wealthy.

Mindset Shifts

Mindset Shifts are better ways to think about old beliefs. You want to shift your thinking to beliefs that support you. As the saying goes, you must “change your mind to change your life.”

Mental Shifts might include:

I have more than enough money.

I manage my money well.

I am a good friend to my money and it stays with me.

Listen to Hear Yourself

Listen to your self-talk. Hear the beliefs you hold. Challenge the thought; don’t simply accept it. Ask yourself if the statement serves you today? If not, consciously change your thinking about that topic to one that works for you, instead of against you.

It’s empowering to monitor your thoughts. You will be amazed at the gunk that currently fuels your system. Remember GIGO — garbage in, garbage out. You’ll wonder where the gunk and garbage came from, and how long a particular belief has been governing your life. Monitor yourself.

Be brave. Pull the mental weeds of lack and limitation. Supplant weeds with roses. Do This For YOU. Breathe.

Peace and prosperity,

Judith Stephens

© 2010 Judith Stephens.  All Rights Reserved

Are you a perfectionist? Do you think … just a little more polishing and you’ll be ready to launch that two-year-old project you’ve revised, reworked and re-engineered to death?

Old School

Are you so old school that you were taught “if it is worth doing, it’s worth doing perfectly?” Well, let me share a truth with you. They were wrong. Your teachers, bosses, parents … all the people who pushed for perfection at the price of completion were off-base and out of step with this time.

I used to be a perfectionist. I made sure there were no critical omissions in my completed documents. The problem is that I didn’t publish as many articles as I might have if perfect wasn’t part of the goal. Actually, perfect was not my personal goal. It was the required operating procedure standing in the way of project completion.

Perfectionism was a girdle in the old-school world. It was tight, restrictive and painful. There was nothing fun about wearing the girdles I wore as a young woman. Why didn’t I question the need to adhere to such a rigid rule then?

I am not endorsing sloppy work. I don’t advocate half-ass effort. I am recommending that you allow yourself the creative freedom of knowing that good enough is good enough.

Life is your personal laboratory. It is yours to explore, experiment, and decide what’s most important to you. It is your place to dream, test ideas, and implement plans. To accomplish more in your life, think of life as a beta.

Do the best you can as quickly as possible, then launch the program, project, or venture. Revise and perfect it later. Think beta –the first iteration. The Microsoft method. Decide how to monetize the initial effort and price future updates. Get it done.

Launch Beta 1. Get Feedback. Revise. Improve. Price. Launch Beta 2 to a market of early adopters waiting expectantly, and to the later-adopters who have been waiting for Beta 2. What a great operating model. Rinse. Repeat. Replay.

Go launch your new product.

Peace and prosperity,

P.S. Get the best money tips, personal finance news and expert interviews. Sign up to the new Financial Fitness eZine.

P.P.S. Join me on Facebook. Click the Become a Fan Facebook button on the right.

© 2010 Judith Stephens. All Rights Reserved Worldwide.

Are you still doing the same old tired things and hoping for different results? You want to increase your income by 20% this year. But you haven’t actually done anything to make it happen. You know this is the definition of insanity, right? Isn’t it time to change your mind? And a habit or two?

A change in your habits or behavior will bring about new results in your life. Shake things up! Take wobbly toddler steps in the right direction to get you started.

I stopped watching TV. As I watched successful people “entertain” me out of using my time more productively on my own projects, I decided it was crazy to watch them do their jobs at the expense of my own. So for the first time in years, I didn’t watch the Australian Open tennis tournament. I left Venus and Serena Williams to handle their business and I handled mine. It was liberating! Serena won without me. And I finished a new information product. I love progress!

You might want to introduce a daily walk to your routine. Use it to get clear on your goals as you clip along at a steady pace. Or spend 10 minutes meditating first thing in the morning. Or say two affirmations that resonate with you. Or list five things for which you’re grateful at the end of the day.

Decide one thing that you’ll accomplish today. Not just activities, but accomplishments, a completed assignment you can check off the To-Do list. Let these things represent a mindset and momentum shift for  you. Commit that you will complete it by noon, or 3pm. Accept no excuses.

Will you write that proposal that’s been nagging you? If it’s not an income-oriented project, is it operational? Might you compile this month’s bills in one place — like a file folder? How about listing all of your expenses and totaling them? Give yourself the power of knowing exactly where you are financially. It means you have to stop playing games with yourself. What was it — money masturbation 101? Enough already.

Change some variable in your results equation to achieve the outcomes you desire. Make a change in your routine. Do it daily. Adopt habits to develop and strengthen your mental and money muscles. Do it for seven days. Then expect to see different results.

Let me know what habit you adopted, or unproductive habit you stopped. Did it help?

Peace and prosperity,

P.S. I invite you to subscribe to my new Financial Fitness eZine. Get the latest money tips, news and expert interviews. Simply click here and enter your name and email in the form.

On my Facebook page yesterday I posted: “I give myself permission to prosper.” Join me.

One of the reasons I like Facebook is because it’s responsive. People weigh in with their thoughts and opinions, which I value. I want to hear what my friends and fans think and feel. So I solicit their comments.

Several people said they would give themselves permission to prosper in 2010. My friend, llenar asked, why wait? Great question which gives me the space to explain a few of the benefits of participating in my Money Attraction Secrets Bootcamp.

Why Wait Until 2010?

Some people wait because s/he doesn’t know how or where to start. They want to learn the steps and receive specific direction in order to take focused action. Others wait because they desire to be part of a group-learning process. Group learning is an easier, more enjoyable and better learning model than individual coaching.

I’m teaching the steps to achieving prosperity, money attraction, and money management in my 8-week Money Attraction Secrets Bootcamp. It starts on Jan 5, 2010 at 8pm Eastern.

Prosperity is about love, success, time, joy, comfort, beauty, confidence, money and wisdom. It’s also about believing that you are worthy of having a better life. The Money Attraction Secrets Bootcamp is an opportunity to enhance your thinking around money as you prepare your 2010 Prosperity Plan!

Click to find out more and sign up for the Money Attraction Secrets Bootcamp.

Spiritual Tools

Here’s what is covered in 8-week Bootcamp. You’ll learn to use spiritual tools to jump start and keep your money flow energetic. You’ll enter a world and mindset of abundance, which is your birthright.

Money Management Skills

You’ll also discover the business skills you need to manage and grow your money effectively. You’ll design workable spending plans, estimate and balance your expenses, plan your purchases, develop a habit of saving to invest, and gain confidence using online money management and investment tools.

Your interaction with your money will be enjoyable for you’ve made money your friend. You know that you deserve the money you have, and you attract prosperity and permit it to stay with you.

Financial Fitness Academy

The Financial Fitness Academy community-building aspects of the Bootcamp are major. It’s a membership forum where you’ll mastermind and joint venture with others on the fast track to Financial Fitness. It’s where you brainstorm ideas, get support, and practice spiritual and business techniques in a secure, can’t-lose-money environment.

Give Yourself Permission to Prosper

You are worthy of having and enjoying money. Give yourself permission to prosper in 2010. You will attract more money participating in the Bootcamp than you will working alone. What are you waiting for? Sign up today. Join me!

Let me know what you think about giving yourself permission to prosper. Share your thoughts.

Peace and prosperity,

Judith Stephens, MBA
The Money Lady

PS.  Please share this with your friends and business associates. Invite them to join you in the Bootcamp.

What do you want? This is a question we don’t ask ourselves often enough. It’s a question for which we often don’t have answers. But it’s a lovely question because it motivates us to think of the possibilities. It encourages us to imagine and to dream.

What do you want in your life that you don’t have now? What would you like to add to your life in the next 3, 6 or 12 months?

What changes do you want to see in your personal and business life? What new experiences will you allow yourself? What people will you invite into your personal and professional spaces? What do you want to learn?

As we move toward 2010, remember that you can have as much of, and as big as, you can see. What will you choose?

For instance, where will you live? What geographical area? What city? What setting — urban, suburban or rural? House, condo or apartment?

What about your work? Where will you work? Will you prepare for a job change? Will you aim for a major promotion on your current job?

If you’re a business owner, will you commit to growing your business by 20% in 2010? How about a 30% increase in revenue? How will you do it?

Will you outsource more of the non-income producing tasks that currently take up your time? Will you hire a virtual assistant? Will you become involved in more joint ventures? Will you attend more industry conferences and meetings to meet other people in similar work?

As you contemplate what you want, I hope you will remember to play. Look for new opportunities to have fun, to love, and to enjoy your life.

Let’s welcome 2010 with a full, yet light heart.

Peace and prosperity to you,
Judith

Money! There, I said it. I’m on a mission to get you talking about money. Talking and learning more about it. Learning about having more of it, saving and investing it. Money is a lever you can use to influence outcomes that are important to you.

Join Me on Tuesday

On Tuesday, December 8, 2009 at 4pm Pacific I’m hosting a free teleseminar about money. I invite you to join me for Money Attraction Secrets! Discover How to Use Spiritual & Business Tools to Attract & Manage Your  Money.

As you plan and prepare for 2010, it’s important to know that you can choose beliefs and actions that will move you to where you want to go. I’ll talk about planning achievable Income Goals for 2010 during the teleseminar.

How you think about money greatly determines how much money you have. And how you feel about money influences how well you manage it. Is money your friend or foe? Your money beliefs determine how much money you have. Are you ready to earn more, build a bigger business, and become part of an Financial Fitness network?

I’ll share spiritual tools and critical mindset shifts you can use to attract more money into your life now. I’ll discuss two habits you can quickly adopt that will propel you to higher earnings. As you attract more, there are three steps you can take to strengthen your money management skills.

Join me on Tuesday, December 8, 2009 at 4pm Pacific time for this informative teleseminar. This Event is for You if You’re Ready to Create a Foundation for Financial Fitness.

Love and prosperity,

Judith Stephens, MBA
The Money Lady

P.S. Invite your friends, fans and associates to join you on this call.

_ _ _ _ _ _ _ _ _

Judith Stephens, MBA, The Money Lady, is a Money Management Strategist and Business Mentor. A former corporate and small business executive, current independent business owner, investor, and fundraiser, Judith combines spiritual, analytical and management tools with a great sense of humor to help people learn to attract, invest and manage their money.
_ _ _ _ _ _ _ _ _ _

Talking about money is a specialized communication skill set we all need to practice for your financial health and well being. You want to be able to discuss money with your spouse, parents, family, friends, associates and children in a positive, appropriate and self-enhancing manner. It’s time to learn how to talk about money,

We have been programmed to fear money conversations — whether asking for the sale or negotiating a salary increase – generally we would rather not. Let’s get past the fear and anxiety that preparing to talk about money produces and move to acquiring the communication skills needed to have successful money talks.

Start to incorporate money language into your everyday conversation. Talking about money is a major mindset shift because expanding your views about money will change your whole life.

Talking about money is big. So big and so important that I’ve started a new VIP Facebook group about it. We talk about money in all its forms – investments, savings, debt, and whether we feel good or not-so-good about it.

The group is a safe environment to learn more about money, how to attract it, keep it and make it grow for you. Join us on our new YES to Financial Fitness Facebook Group. I look forward to seeing you there. 

Regards,

Judith
The Money Lady

40 Money Tools from Mashable

Mashable is a wonderfully informative blog. This Online-finance post is from its archives, yet remains cutting edge. The money tools are organized by Budget Organizers & Financial Planning; Invoice Management; Financial Trading & Investment; Social Networks; Salary Reports; Online Payment Systems.

Click, skim and save for future use.

How to Raise Your FICO Score

The Money Professor has a lot of information on credit scores. I’m hesitant to suggest articles or sites that don’t share publisher-author information like this is one. That said, I encourage you read this article on how to increase your FICO credit score.

If you follow the suggestions outlined, your credit score will increase, thereby reducing your cost of credit.

Investopedia

Much of finance and money is about terminology, learning to speak the language. I receive a Term of the Day email from Investopedia.com. It explains what words and terms mean, and how they are used. The definitions and explanations clear up any confusion.

Don’t let me anyone snow you with financial terms. Click on Investopedia.com and get the skinny on what’s what. This is a big, well-designed site. Bookmark it and visit often. It will speed your discovery of all things financial. I love it.

Quicken Online

QuickenOnline is free. I like free tools that help you manage your money. QuickenOnline has made improvements to the product including a revamped user interface, a forward-looking spending forecaster, cash tracking and more.

We’re using more cash to curb impulse spending. Quicken’s cash tracking feature is a useful feature. You can access this program from your cell phone. Cool.

WeSeed

WeSeed is a stock market simulation game. It’s where you can experience investing in the stock market without any risk. It’s a fun, safe way to gain experience with investing in stocks. You play with virtual stocks. Fake. Not real. It is a great way to learn what’s going on with the market. You can join the WeSeed community for free, and follow the top WeSeeders.

Here’s how WeSeed explains their site.

This is the stock market for the rest of us… a place where nurses and pilots and gym teachers can practice investing fake stock and get smarter about the stock market in a fresh, fun and completely safe way.

WeSeed is the safest. Our stock is fake. Our money is fake… but all the information and everything you learn is very real. And even when you invest for real someday… remember… baby steps. You don’t have to put a lot of money in the market to benefit from the experience.

I love it. I joined. Hope you do too.

OK. That’s my tool list for today. I plan to do more of these lists regularly. If you have great money and finance links to share, please post it in the comments.

Regards,

Judith

Like many people, I have issues around money. I call them money baggage — those limiting thoughts, beliefs and emotions around my finances. What about you? What feelings do you associate with money? Do thoughts of money make you feel anxious, angry, unworthy or confident and relaxed ? What’s your money self-talk like? Do you think about abundance and achievement or lack and limitation?

I decided to clear out my baggage and increase the abundance in my life. I needed support to build a new financial fitness routine. I know about the Laws of Attraction, the importance of affirmations and declarations, and the benefits of positive thinking. I wanted an improved relationship with money. I needed personal development tools and exercises to clear my resistance and anchor my wealth building intentions. I sought to rewire my emotional circuitry, to take myself off automatic pilot and kick my energy up a notch or two.

No More Stinkin’ Thinking

My goal was to get past the money junk that had accumulated in my life. I didn’t want to analyze it. I wanted to clear it out, along with any stinkin’ thinking that had seeped into my consciousness to rob me of health, happiness and personal power. My goal was to attract more good in my life. More good people and great experiences.

I spent January 2009 letting go of emotions I no longer want. And adopting new financial attitudes and behaviors that would serve me well as I reach new levels of financial comfort. It was a highly spiritual quest, and I was aptly aided by superstars in the prosperity arena.

According to Joan Sotkin of Pro$perityPlace.com, “financial issues are always related to non-financial emotional issues …” Joan reminded me that prosperity comes through other people. I heard her and ended my self-imposed isolation. I’ve made new friends and associates, and reconnected with a few great old friends. I’ve entered into joint ventures with two awesome groups whose energy and expertise complement my own in amazing ways.

Tap Into EFT

I began tapping to clear my fears of the big steps I’m taking. Tapping? Yes. EFT (Emotional Freedom Techniques) are tools to help remove emotional blocks that prevent you from achieving your goals. EFT is a needle-free form of acupuncture. By tapping on certain meridian points while concentrating on the emotional disturbance, energy begins to flow and relief results. EFT is easy to learn, and does not require special education or extensive training. It can be used effectively in almost every emotional, health and performance issue. Pioneered by Gary Craig, EFT‘s benefits are huge. It works. Many people are tapping and talking glowingly about it.

Paul Zelizer, a new Twitter and Facebook friend, is a genius at bringing people together. Paul says “EFT is among the best clearing tools available today.” Get Paul’s free ebook, PZ’s Money Makeover2. It explains how to use EFT for financial well-being.

I’m refreshed and vibrating at a higher energy level. I’m ready to implement my new 2009 action plans. I’m feeling more hopeful and much less stressed. I tap frequently and journal my feelings.

What about you? Have you heard of EFT? Have you tried it yet? What were your experiences? Share your thoughts about it here. More tools and exercises coming soon.

Judith