Financial Thought Patterns

People who do great things don’t sit around wondering what can go wrong; they sit around imagining all of the things that can go right!

And people who have created a lot of wealth in their lives and do a lot of good for others have done so because they have done precisely that…imagined all of the things that could go right.

When we’re first exposed to the power of our minds to ‘choose’ what they think about, we often don’t want to admit it. We say things like…

“But I can’t help it!”
“I can’t stop thinking about…”
“My mind just wanders.”
“I just can’t keep myself from thinking about…”

Yet the fact is, we CAN control our thoughts; it’s just that before we can, we must become aware of them.

This means we have to take time to notice what you’re thinking…and when you DO notice your thoughts, what kind of thoughts are they?

To find out, simply ask yourself these questions:

• Are my thoughts positive or negative in nature?
• Are my thoughts optimistic or pessimistic in nature?
• Am I thinking about the past, the present or the future?
• Am I creating my life or pretending to be a victim in some way?

Yes, noticing your thoughts takes practice because, for some reason, human beings have such a hard time accepting the idea that WE are at the root cause of all things life-related. And yet, when we do, we are all powerful in creating the exact life we wish to live.

Once you get good at being aware of your thoughts, you’ll start to notice that you have certain thought ‘patterns’ that replicate themselves day in and day out. It’s these thought patterns that must be changed in order to change our lives. After all, even if you don’t want to admit it, we ARE what we think about most of the time.

Have you ever noticed that there is one thought that comes into your mind over and over again that then leads to the same additional thoughts that then leads you to the exact same conclusion or idea every single time? We often refer to this as a ‘chain of thought’ because one thought leads to the next and so on.

For example, it would be like thinking about getting yourself a scooter to ride around town on in order to save money on gas and ending up deciding you should get a Harley! The initial thought leads to another thoughts which eventually leads you to the exact same end thought.

What are some of your thought patterns? Take time today, and every day, to follow your thoughts. Then make a decision: would you rather continue following them or would you prefer to decide where to take them and make them follow you.

If someone sent you this article and you’d like to read more interesting tips, trick and philosophy on money and life, sign up today for Elisabeth’s FREE Weekly E-Zine, Financial Wisdom with a Twist and FREE monthly teleseminars at

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Kids and Goal Setting: Soccer Anyone

Many adults set yearly goals while others set monthly or weekly goals. Only a handful set daily goals. Statistics show that people who set daily goals reach more of their goals than those who don’t.

Regardless of how often parents set their own goals, it is common that they forget to include their children in this amazingly powerful process.

Enter the Soccer Game

So what does soccer have to do with teaching children to set goals?  Well, think of it this way: you have a soccer field, the halfway line, the goal box, the actual goal, the penalty box, the end line (a.k.a. goal line) and the sideline.  You also have a place for the fans, sometimes a snack shop, coaches, volunteers and other support staff and, finally, you have the ball.

A great deal goes into winning a soccer game.  You have to decide you want to play soccer.  You have to learn how to play and you have have to learn the rules.  You have to find a team to play on and learn what it means to be a team player.  You have to show up, play your best, move the ball forward to score, watch everything that’s going on and make quick decisions about which way to go to get the ball in the goal box and finally, you have to be ready to kick the ball into the goal when the opportunity presents itself–sometimes in a very brief window of time.

Sounds a bit like life, and you can use this scenario to explain goal setting to your kids.  Even if they don’t play soccer, they will relate to the sports metaphor much more readily than just trying to explain goal setting to them.

Inviting Your Children to Join Your Goal Setting Process

If you have children, include them in your own goal setting process and help them set a few of their own. If you’ve never set goals before, now is the perfect time to start.

Did you know that the major thing that sets successful people apart from unsuccessful people is that successful people write their goals down on paper AND they write them down on a regular basis?

If writing your goals down is one of the major things that defines whether or not a person is successful (that and a bit of action), then teaching your kids to set and achieve goals may be one of the many life skills you should seriously consider modeling for them.

First Time Goal SettingSoccer

Okay, if you’ve never ever really sat down long enough to consider WHERE you’re going or WHAT you want in life, it’s okay because you can start now. The future is like a brand new sketchbook ready for you to create, full of colors, shapes, feelings and expression.

Oh, you thought you were just going to WRITE your goals down on paper?  Well, that’s a great start but why not do a picture goal board, also called a Dream Board or Vision Board. Napoleon Hill, the author of Think and Grow Rich, once said that what the mind can conceive and believe, the mind can achieve.  We need to teach our children this concept early in life! This may the one thing that turns your children into leaders and the “CEOs of their own lives” instead of victims.

Creating Dream/Vision Boards

This is a fun and simple process which starts with the proverbial question: What do I really want in life?  Before you begin creating your dream board, write this question at the top of a piece of paper and sit quietly to answer it. Have each child that is creating a board with you do this exercise as well. Kids generally love this part!

Here’s what you and your kids will need:

  1. Two to three hours of uninterrupted time to relax and create along with some great music to create by.
  2. Poster board.  Half sheets work best but if you want to use full sheets, by all means have at it.  Note: poster board generally has a shiny side and a matte side.  If you’re going to use markers, use the matte side as the shiny side smears (ask me how I know!).
  3. Lots of magazines filled with great photos, alphabet letters (for ransom note like cut out words), etc.  Magazines of your favorite hobbies and interests are great.  Thrift stores often have lots of magazines if you don’t have a ready stock on hand.
  4. Tape, glue, scissors, markers, other art supplies for cutting out and attaching images to your poster board.

That’s it. Assemble the things you need, set aside the time for your whole family to create the next year of their lives (or more) just the way they want it and have a great time doing it.

After everyone in the family has created their own dream or vision board and put it on the door or wall of their choice, create a Family Dream Board for the coming year and put it on the fridge so the whole family sees it everyday!

Now, go plan your life and teach your children how to plan theirs in the process!  You’ll be surprised at how much fun it is. And, when things start coming true and showing up for you and your kids, you’ll be even more excited about creating one for next year.

Elisabeth Donati is the founder of Creative Wealth International and an expert in teaching kids of all ages (including adults) about money and wealth creation in a fun and entertaining way!

If you’d like to read more interesting tips, trick and philosophy on money and life, sign up today for Elisabeth’s FREE Weekly E-Zine, Financial Wisdom with a Twist and FREE monthly teleseminars above.

To a Life of Passion and Beyond

Imagine that it was commonplace for children to be exposed to a myriad of career opportunities relating to each new discovery of something interesting? Imagine growing up in a culture where we naturally make money doing something we really love?

Imagine a teenager enrolling in Finding Your Genius 101 where an entire year is spent discovering their true talents? Then enrolling in Working Your Genius 202 (or Your Genius Working for You:-) where they are given options about how to use those talents to make money as an adult?

Imagine millions of adults loving what they do each day instead of dreading their j.o.b.s, where the thing they look forward to the most is Hump Day and TGIF?

In the past few decades, more and more people have considered the concept of actually enjoying what they do to make a living: to put a roof over their heads and food on the table. Today, this idea of fulfilling a mission or self-purpose is driving one of the biggest industries in the U.S. ~ personal development. We’ve all seen the ads for the following seminars:

“Make Money Doing What You Love”
“Passion and Profits”
“Loving What You Do”
“Do What You Love The Money Will Follow”
“The Money Follows Your Passion”

On and on it goes. People are drawn by the thousands to seminars, books, classes, speakers and online programs because they are sick of what they are doing, working day after miserable day knowing in their guts that there has to be a better way.

So, what if we started empowering our kids with this ‘better way’ and prevented them from falling into the TGIF habit of numbing their misery at the end of each work week? And, what if YOU were the one doing the empowering?

Hold on to that question as I take you back in time.

In the beginning, there was a cave. A place to get out of the weather, protect that which you claimed as yours: children, cooking implements, weapons, dried meats, herbs, and probably a whole lot more.

With each rising sun came a brand new day of hunting, cooking, eating, caring for the ‘gang’ which often meant keeping them from being eaten and just plain surviving.

At least this is the vision I conjure up when I think about my cave-dwelling ancestors. Each person had ‘a job’ to do. It was either gender based (hunting, killing, protecting for most men or cooking, cleaning, child-tending for most women) or based on one’s natural talents (healing, herb, weapon crafting, bowl weaving, carving).

There were no paychecks per se, simply the right to be part of the whole, which would then, in turn, provide and protect your well-being as a member of that whole.

As time went by, society became more mobile and people more independent. We created teepees, tents, lean-tos, cabins, castles with moats, mobile homes (in case you decide you like your house but not your neighbors) and finally, the ultimate mobile dwelling, the motor home where you just hitch up your portable house and live where ever you wish.

Things were good. Only one problem: as the ability to move about the planet became easier, the ability to keep doing our ‘jobs’ became a wee-bit more challenging.

Since we were no longer part of ‘the gang’ we often had to take on work simply because we needed the money. After all, basic survival (cave or no cave) generally dictates that food be somewhere in the picture.

As we became more and more mobile, we also became more and more specialized in what we did for a living. Somewhere in there, someone decided we should choose what we want to ‘be’ when we grow up. Once we got that figured out (if we ever did), we simply go to college to learn how to ‘be’ that thing, graduate, get a job, work until we can hopefully retire (also made up) and there we had it: A life well done.

YUK!

Antidote: the idea that work can be an expression of our passion or this thing we’ve labeled ‘our purpose for living.’ Now that we’ve convinced ourselves, or had the outside world convince us, that we can actually be happy each day, living our dreams, fulfilling our purpose, using our passion and natural talents, filling a void of some sort, making the world, and people’s experience of it, a better place, where do we go to figure it all out?

Where do we turn to:

“Make Money Doing What We Love?”
“Turn our Passion into Profits?”
“Love What We Do?”
“Do What We Love and Have the Money Follow?”
“Have Money Follow Our Passion?”

Well, that is the proverbial $64,000,000 question.

The answer? A few more questions!

What is my natural genius?

Howard Garner, who wrote Multiple Intelligences, understood long time ago that everyone had a genius. He labeled them spatial-visual, linguistic, interpersonal, musical, naturalist, bodily-kinesthetic, intrapersonal, and logical-mathematical. Problem is, we’re not routinely tested for all of these geniuses in school so we grow up thinking we are dumb, not talented, or worse.

What are the things I love to do?

Think about the activities you do where you lose track of time, forget to drink water or go to the bathroom; activities where you are so absorbed you lose yourself in them. These are the things you’ll first want to explore in terms of creating a life where work won’t seem like ‘work’ at all!

What are my talents?

In other words, what are you really good at? What could you become an expert at? What would you love to be paid to learn?

What would give me a sense of purpose?

What would cause you to jump out of bed each morning, excited to see what the day had in store for you? What are ways you would like to help others or help your community, or the planet?

When we’ve answered these questions, we can begin to explore our natural genius, the things we love to do, our talents and our purpose (and, by the way, there isn’t just one) and turn these into making not just a living, but a LIFE.

Now, let’s go back to empowering children to find that ‘better’ way.

That class they need, along with Finding Your Genius 101 and Working Your Genius 202 is Financial Literacy for Life, an ongoing course of study ideally beginning somewhere around the 5th grade (but available for everyone at any time.)

In addition to encouraging children to grow into their natural genius, to do more of what they love to do (aside from texting all day!), helping them to develop their emerging talents and identify passion and purpose, financial intelligence gives them the tools to live in the world successfully.

Imagine the difference this would make in each child’s life, in their future, in their choices, in their results, in their families, and in their relationships.

Imagine that YOU were responsible for making this happen for every child you possibly could?

Imagine using YOUR natural genius, those things YOU love to do, YOUR talents and expertise, YOUR purpose(s) in order to make a difference in someone’s life, young or not so young? It would be “personal development” at its finest.

Financial literacy for kids and adults. It’s our genius, our reason for getting up in the morning ~ quite simply, what we love to do here at Creative Wealth!

If it’s yours, come join us in living a life with passion, and beyond. If it’s something else, we completely support you on your quest to never work another day in your life as well.

Elisabeth Donati is the owner of Creative Wealth Intl., LLC and creator of Camp Millionaire, a unique financial intelligence program for youth. She is an expert in teaching the basic financial principles everyone needs in a way that is engaging, empowering and fun.

She has a passion for empowering women in her Creative Wealth for Women program and is the author of The Ultimate Allowance and the weekly ezine, Financial Wisdom with a TWI$T.

Financial Literacy Holiday Gift from Creative Wealth

December 18, 2013

Happy Holidays!

school financial education curriculum

I’m currently in the Caribbean, about to be the matron of honor for the lady I stayed with a few years ago. She’s experiencing a lot of stress before the wedding and in a lot of pain. It is so interesting how we human beings interpret our lives in ways that bring pain instead of joy.

I wanted to touch upon the holidays to invite you to check in with your own experience this season. How is you feeling so far? Are you enjoying your days, getting ready for however you do this season? If you aren’t, you might want to stop, regroup and choose differently. Remember, it really is all about choice and only you can choose to create the experience you want.

I personally don’t celebrate the holidays in a traditional way. I do, however, enjoy the time to reflect on the past year and think about the year to come…and find my way to warm waters in the south that I can swim in and enjoy.

I did want to share one of the things I found myself teaching this year to all sorts of people…Rarely is anything an emergency.

Being in the Caribbean, you really get a good sense that nothing much is an emergency. Everyone is very laid back and relaxed and I find myself falling into afternoon naps, slow walks with an 11 year old I could bring home in my suitcase and just overall, slowing down. I’m not sure why we Americans (especially) get into a pace that’s not healthy for our bodies and spirits, but most of us do. I’m planning on bringing that peace back with me again.

Now for my little gift to you…

If you’re sitting there reading these words, you probably understand that there are many things you can do during the holidays but the things that bring you the most pleasure and joy are the things you do to bring others pleasure and joy. Isn’t it fun how that works?

And because most of you are on my email list because you really care about making sure your children and students learn how to handle money wisely, I wanted to make sure you had the opportunity to save a little moolah this season making that happen since often times it does take money to bring others pleasure and joy.

2013 HOLIDAY COUPONS for you!

Since I’ve made our Camp Millionaire Curriculum available online, we’ve had a lot of people take advantage of it. No traveling, no flight. Just sign up, log on, watch the videos at your leisure and start teaching the program in your classroom, youth group or for any group of kids ages 10 and up.

Use coupon code HOLIDAY2013 to receive $100 off this new Camp Millionaire Online Program.

OR, if you’ve been dying to get your hands on The Money Game to teach your kids about money, use Coupon Code MONEYGAME2013 to get 25% off either the Downloadable Kit or the Ready-to-Play version.

And if there’s something else you have been wanting from our financial literacy store, use Coupon Code HOLIDAY25 to get 25% off!

That’s all for now.

Miss E (aks Elisabeth)

Your Financial Literacy Lady

 

Stop worrying about your credit ratings!

Because I am the proud owner of many financial education websites and several financial literacy blogs, I receive, almost weekly, requests from other website owners requesting that I post a link for their sites on my blogs and sites.

My usual response back to them is, “OK, show me the link.”

Side bar: I have a policy of never posting links to websites that deal with credit scores, credit ratings, mortgages, loans, or debt consolidation.

Invariably the person is asking me to post one of the many links I refuse to post on my sites and blog.

Occasionally it’s a legitimate link and I’m happy to do it…especially if they’ll reciprocate and post a link to my sites from theirs…but this is rare.

Back to the point of this post…

I find it intolerable that we have become a country that is primarily focused on credit scores and credit ratings. I never hear people talking about how much money they’ve saved or invested but I DO hear people talk about their credit ratings.

Do you realize that almost everything we see on TV, hear on radio and read in the papers and in magazines is designed to get us to BUY something? And that credit score that a lot of financial educators think it’s so bloody important to teach our kids about plays right into the hands of every one of those companies trying to get us to buy something.

Don’t get me wrong…there’s nothing wrong with buying things…and there’s nothing wrong with learning how to borrow money wisely in order to acquire assets that pay us passive income over time…it’s just that so often we either don’t need the thing we’re buying or the thing we’re buying isn’t going to affect our lives in a positive way. Go ahead…think about the last few things you bought…especially if you borrowed money (from anyone) to buy those things.

That’s all…just wanted to pop in and remind you that it’s WAY more important to be saving and investing instead of borrowing, buying and getting into debt and I think our kids need to learn why everyone wants them to have a high credit score!

Oh, by the way, I invest between 10-15% of every dollar I earn and make into individual stocks. I also continue investing in my companies (I have more than one:-).

How about you? Let’s start talking, and teaching, about what’s really important!

Just something to think about as usual.