75 Questions: Day 40

There are 75 days before the glorious start of a new Gregorian calendar year. So, for the next 35 days (Monday – Sunday) the blog postings will ask you one question. That question may inspire you, it may perplex you, it may anger you, or it may tickle you.  It’s about the getting to the BEST in you. The potent intent of the 75 questions is to probe, to prompt a reaction, to get you to stretch, to press beyond tradition or boundaries, to think broader, to break free, to operate in solvency and then give a thoughtful answer to the question.

The coveted intent of the 75 questions is to capture change. The questions are to be a catalyst for inner change that leaves you feeling more dynamic, safe, powerful, intrigued, and authentic.

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Today’s question focuses on financial solvency.  Releasing the usual fears that arise when debt consumes your thinking creates breakthrough.  This CNN money solvency calculator (http://money.cnn.com/calculator/pf/debt-free/) is a useful tool to budget your way to financial freedom.

When your amazing emotions are opened up within you (they already exist), you change and your world changes and the whole world changes with you.

Question 40: What is your solvency plan?

Achieving Harmony: Step 1

Life balance experts cite five areas to achieve harmony: finances/career, spirituality/self care, relationships, health, and  fun/recreation.

Achieving harmony in your life is a process – a five step process we will explore together.  The first step is to examine your finances. You need to know where your money is, what it is used for, and how you spend money. “Debt is dumb,” says in your face financial guru Dave Ramsey.  He adds, “You are where you are right now financially as a sum total of the decisions you’ve made to this point.” But, don’t despair. Right now you are in a perfect position to make a financial change for the better.  Changing the way you think about money and how you spend money is the yellow brick road to harmonic wealth.

Financial Planning 101 – Achieving Harmony Step 1:

Reflect. Think about it, reflect. Ask what led you to make those mistakes in the first place. Was it job loss, divorce, impulsive spending? Make sure you know and understand what pulled you out of life balance so you don’t repeat those mistakes.

Get organized. Organize your bills and debts. Create a place to keep incoming bills. Pay your bills. Avoid late fees-make sure you send your check early so that it gets to the payer on time. Also it is a best practice to write down payments, check numbers and date sent so you will have a record in case a payment goes unrecorded. Put all payments in your finance ledger and balance that ledger against what payments are outstanding each and every month.

Plan. Tackle your debt!  You created the debt, now plan. Take time to establish a plan to pay off debts. Without an debt freedom action plan you darken your life. You want harmony, so be disciplined and plan harmonic wealth. Think about what you need to do here… figure out the most important debt to be paid off first, generate more income, spend less and save more money. That’s the simple formula for achieving harmony in your finances.  Set the plan and stick to it.

Save. You must save more than you spend. This is the truth!  Worrying about how you are going to pay your bills every month is misery. The best way to handle your financial life is to save.

Now is a perfect time to  is a time restore your financial balance, achieve harmony.

Reading List:

Total Money Makeover, Dave Ramsey

Your Life or Your Money: 9 Steps to Transforming Your Relationship with Money, Vicki Robin

Low Fee Socially Responsible Investing: Investing in your worldview on your terms, Tom Nowak

Miracle Monday: Quiet

A miracle will happen today! What a fabulous declaration for Monday.

It is true that you can reach any goal with the proper perspective.  One grounding exercise is to be quiet-really quiet in the mind and mouth.

My request today, especially after the possible frenzy from holiday travel, gatherings or shopping last week, open this week with some quiet mindfulness.  Pause for a moment, right where you are and do a mental examination of various aspects of your life and determine whether you are satisfied with them. For example, you may think about finances during this time. If so, examine how you feel about money and how you manage money right now. Or, you may need to think longer about a family relationship. Consider the dynamics of the interactions you have with that particular person.  It does not matter what you spend your quiet time on, simply quietly think.

Now that you have spent the requisite quiet time with mindfulness and you know what you intend to improve, next take a sheet of paper and begin jotting notes about the ideal circumstances you would like to create whether it’s with money, family relationships or some other aspect of your life. Creatively write, as offered by Julie Cameron. As you write, without censure, tap into your core of pure genius, and let perfect solutions flow onto the page.

Quiet mindfulness allows you to co-create through the purity of divine intention the most solid, revealing solutions. The barriers that tend to block your flow of manifesting a miracle often comes from your learned response to control or force solutions that ends up creating more blockages in our lives. Release your mind, let go of your thoughts of control, and open yourself to the flowing fonts of inner governance.

“In the absence of clearly-defined goals, we become strangely loyal to performing daily trivia until ultimately we become enslaved by it.”

~Robert Heinlein

Relax and open your mind to creative inspiration and you will euphorically discover that creating inspiring details of what you want becomes a simple and effortless process. You can manifest a miracle simply by first knowing in clear detail the circumstances you intend to create and then inviting the perfect solutions to materialize. What you then attract is a powerful intention that operates on your behalf to give you what you want or something better.

Bob Proctor always asks: What do you want?

When you can clearly answer that question, believe me, your circumstances will then shift, and eventually match the inner intentions you hold  for your life, be it money, relationships, family, weight or anything else.

Today, quietly make your miracle.