Category: money and happiness

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 $25?

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 $25 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 ends tonight at 10 pm. I’d love it if you joined us! I’m not sure when I’ll run it again and next time it’ll probably be, like, $35!

Photo by Brooke Lark on Unsplash

Rent Your Dreams Before You Buy Them

What would happen if you 'rented' your dreams before you bought them? If you're looking for money-saving tips or financial advice, this will save you tons of money, time, and energy. Click through to read more!

 

I hate to be this person, but I think you guys should know:

I liked Airstream trailers before they were cool.

In 2001, I’d pull off the highway, scramble over barbed wire and peer into the windows of Airstreams sitting in fields with hand-written ‘For Sale’ signs in the window.

At 22, I stopped into a dealership and toured new models, opening tiny fridges and eye-balling counter space. I researched living in a travel trailer above the frostline and how much it costs to rent a spot in a trailer park.

So when I found an Airstream trailer on Airbnb, I viewed it as A Sign. All my dreams were about to come true! I would confirm that, yes, I was meant to live inside a stylish silver marshmallow, winnowing my belongings down to only what could fit under my snug, cocoon-y bed!

Imagine my surprise when I hated it.

Now, to be fair, the Airstream in question was the smallest model; it’s 22 feet long. But I felt like a marble in a tuna can. YOU SIT ON THE TOILET TO SHOWER. (more…)

5 Things That Happen When You Stop Buying Shit You Don’t Need

Want to stop buying shit you don't need? Struggling to stick to a budget? Looking for budget tips that don't make you feel deprived? This post will help you stick to your budget. Promise!

Friends, it’s time to talk about the back corner of our closets.

And the bottom drawer in the bathroom.

And that weird, hard-to-reach cupboard above the fridge.

You know what I’m talking about. And you know what lives in those places.

The dress that still has the tags still on it. The expensive conditioner the stylist said you absolutely needed. The KitchenAid mixer that seemed like a great wedding gift.

I KNOW THIS BECAUSE I’VE LIVED IT MY DUDES.

For yearrrrrs I’d fill my closet with ‘close enough’ clothes I found on sale. I’d buy any cosmetic that was packaged cleverly or dispensed in a novel way. Oh, what’s that? Spray-on eyeshadow and foam lipstick? Into it.

For a huge swath of my life, I bought shit I didn’t need. Like, lots of it.

But one day, after my second Goodwill drop-off in as many weeks, I took a long, hard look at my spending habits and decided things needed to change.

I decided to stop buying shit I didn’t need.

Of course, these changes didn’t happen overnight. Habit change is hard.

But little by little, Target run by Target run, I started spending my money more intentionally. I started to make my spending align with my happiness and my values.

And interestingly enough, I don’t get a lot of happiness out of $17 Target sundresses that fall apart after two washes or a tube of clear lip gloss when I already have five at home!

Without exaggeration, my life changed when I stopped buying shit I didn’t need. And I bet yours will, too.

5 things that happen when you stop buying shit you don’t need

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