Category: money and happiness

How to use your ‘failures’ to plan for success (It’s easier than you’d think!)

Use your failures to plan for success? Yes. If you're looking for productivity tips or an unusual life hack, click through for great tips!

“I mean, no offense, but….”

That’s a great thing to hear on a Monday morning, right? When you’re 10 minutes into an hour-long walk with a friend?

I put on my Polite Midwestern I Won’t Be Offended Face and prepare for my friend to say something vaguely offensive.

“I really didn’t think it would work. I’ve read tons of books on this stuff. I’ve downloaded, like, five different apps. But this worked when nothing else did.”

My friend is talking about my course Bank Boost (shameless plug! It opened for enrollment yesterday!)

I’m flattered and blushy and I tell her so. I totally believe in the stuff we talk about in Bank Boost. It is full of great, insightful information and we approach money in a fun, doable, way!

But.

There are other differences. The stuff my friend tried that hadn’t worked for her? The books and apps? They were solo endeavors. She had no support, no accountability, nobody to bounce ideas off of.

Maybe if she’d had that, those other things would have worked for her.

And if my friend knew this about herself – that she needs support + accountability to get where she wants to go – she’d be able to use that knowledge in every area of her life.

If she wanted to change careers, eat differently, train for a marathon, buy a home, sell everything and travel the world … she’d make sure she had support and accountability to do those things.

She’d stop buying books she doesn’t read, self-paced courses she doesn’t complete, and apps that take up space on her phone. She’d think about what has worked for her in the past and do more of it if she wants to find success in her future.

So I guess the good news is: If something has worked for you in the past, it’ll probably work again for you in the future!

And the bad news is: If something didn’t work for you in the past, it probably won’t magically start working now.

You already have all the information you need to set yourself up for success (or failure). Just look at what has worked in the past and do more of it. And stop doing shit that has never worked for you. Click To Tweet

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Why You Need To Literally Schedule Fun Into Your Life + How To Do It

Want more fun in your life? Schedule fun! This might not sound like a budgeting tip, but having more fun makes like on a budget more bearable!

 

I did not plan on leading anyone towards an epiphany.

I mean, I knew what I was teaching people was helpful and useful. I knew that my course would help people bring in a lot of extra money, pay off debt, etc. etc. etc.

But I didn’t expect one tiny suggestion – something I thought was so-obvious-it’s-barely-worth-mentioning – to change everything for my students.

What did I tell my Bank Boost students to do?

I told them to schedule fun into their week.

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How To Feel Richer + Fancier Without Spending Any More Money

Want to feel richer? Looking for budget advice or personal finance advice you haven't heard a million times before? Click through for some truly unique insights on abundance!

If you’re looking to feel richer, let me preface this by saying:

1. I’m not going to tell you to make a list of everything you’re grateful for. That’s lovely! Gratitude is great! But that’s not what we’re doing here.

2. I’m also not going to tell you to manifest more money. We’re not doing that today, either.

Instead, I’m going to share a wildly effective, potentially obvious way we can all feel richer, fancier, and more “abundant”:

Use the things you already own + pay for to the utmost of their capabilities

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I’m doing online business ‘wrong’ and I 100% don’t care

My people get better results with one-on-one coaching + live courses. So that's what I'm doing, even if that means I'm doing online business "wrong."

Is there a ‘right’ way to do business online? If you’ve watched a few webinars or listened to any marketing podcasts, you know the formula for a Successful Online Business by now:

Facebook ad for ‘free training’ > 1-hour webinar that includes a 20-minute pitch at the end with expiring bonuses > we all buy a self-paced online course.

I am not knocking this! I do it, too! Look at my free training that includes a pitch and expiring bonuses!

But this formula isn’t working for me, emotionally or psychologically. At least not right now. Here’s what I’m changing:

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Why You Need A Bullsh*t Budget

What's is a bullshit budget? Want more money for things that make you happy? If you're looking for budgeting tips, click through and learn how to save money on things you hate.

I plop down on the deck with a freshly-made vodka gimlet in one hand and a print out of our bank statements in the other. I take a long sip and start working my way through our budget, line by line.

“Food. Utilities. Insurance. Bullshit.”

Now, I’m not saying that food, utilities, or insurance are bullshit. I’m saying we have an actual line in our budget labeled ‘Bullshit.’ 

We have a Bullshit Budget and IT IS TRANSFORMATIVE. I think you should have one, too.

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Some thoughts on accessibility and quality

She said it with the absolute best intentions.

I knew where she was coming from when my business friend reached across the table, and did that “I’m about to say something important” head tilt:

“Sarah, I’m concerned that you’re under-pricing your stuff. When you price things that low, people don’t take you seriously. They associate low prices with low quality.

And if you’re starting at $25, how far can you ever really raise your prices? You’re going to be trapped selling things for $37 for the rest of your life.”

I get it. Really! With zero snark, I appreciate her concern. Money blocks are real, women chronically undercharge, and when people pay more, they’re more committed. (And don’t worry, I also sell $200 products and my hourly rate for coaching and consulting is high + industry-and-experience appropriate.) 

And it does seem a little weird that a live, five-week group program would cost less than a Target swimsuit.

But here’s the thing: if someone has five-figure debt, they probably can’t (or shouldn’t) buy a $2,000 online program.

They probably can’t (or shouldn’t) be spending thousands of dollars on things that aren’t 100% necessary.

Most programs and courses about money aren’t really priced for … people who are struggling with money.

So why is Bank Boost $57?

Even though it comes with an ebook, live q & a sessions, and a private Facebook group?

Even though it helped one of my students pay off a $10,760 credit card balance?

Two reasons.

1. I’ll do pretty much the same amount of work no matter how many people enroll

I wrote the book and weekly emails. I’ll check our Facebook group most days. I’ll host three live q & a sessions. The amount of work I’d be doing for 50 people isn’t that different than the amount of work I’d be doing for 500 people.

But if I can help more people for the same amount of work, why wouldn’t I want to help more people? I set my prices based on accessibility, not quality. I create things that are highly accessible AND high quality. Click To Tweet

2. Everybody deserves help, regardless of where they are financially

I’ve been in a place where $57 is a lot of money. I’ve spent ten minutes hemming and hawing between the $11 lipstick I really want and the gritty, chalky $3 lipstick.

And I was just as worthy of help and support then as I am now.

Of course, there are plenty of free resources for people to get their financial lives together. We can all use the public library and Google.

But I wanted to create a real-time, accountability + support system for people struggling with money. Now matter how much they have now.

Enrollment for Bank Boost opens on May 6th. Last time I ran it, it sold out for in four days – so you might want to get on the wait list!

Photo by Brooke Lark on Unsplash