What You Value May Surprise You

Note: This post was written the week of the Thomas Fire in Ventura/Santa Barbara Counties in California.

This week I have been forced to discover what I value in life, aside from life itself and the lives of people I love (and this includes my dog, Jasmine).

While it was a coincidence, I was on a little week-long retreat in a town about 200 miles north on the coast in Cayucos beginning Friday, the 1st, when the Thomas Fire started in Ventura the following Tuesday. The second coincidence is that my girlfriend, Marilyn, was scheduled to come up that Tuesday…the same day she had a voluntary evacuation from her home in Ventura not less than a mile from the front of the fire!

But coincidences aside, when my boyfriend realized the fire was getting way too close to our home in the foothills of Carpinteria (at the edge of the wilderness no less), he quickly drove home to see what he could do to secure the house and pack up some of our ‘stuff.’

As I’m making a list and texting it to him, it was interesting to note what I valued. Besides the usual files for this and files for that, I wanted 3 paintings that meant something to me and get this…I wanted my clothes.

To heck with the kitchen stuff or the rest of the paintings or anything else, I just really like the clothing I have collected the past 10-15 years. Why? Well, that came with a bit of inquiry but I realized it was because I like to be comfortable and I don’t find most clothing comfortable.

Hence the standard Elisabeth Dress Code: tights, white v-neck men’s t-shirt from Costco and a flannel shirt. Anyone who really knows me knows that most of the time I’m not too far from one of my flannel shirts.

So…he got my clothing, at least most of them. A few sweatshirts hid behind the door which is just fine with me since I already had my favorite tie-dye one!

In addition, he grabbed my favorite (and valuable) Thomas Kinkade paintings and the very first painting I ever bought when I was 25ish.

Deciding what to leave and what to take

What to take in an emergencyI suppose the only way to really know is to ask yourself, “Would I miss this so much I’d never get over it?” Or, “Is the meaning I put on this item worth taking up some of the limited space in my vehicle?” Or, “If this item is destroyed, is it replaceable and if it isn’t, would I be able to function in my business, personal life, etc., without it?”

If the answer is YES to any of these, and you still have room in your car, then you probably should take it.

Also, just as I did, do a little intellectual digging to find out what’s under what you value. In my case, it’s comfort and having choices when it comes to what I put on my body. For me, it’s not about style…I couldn’t care less about styles…it’s literally about comfort.

Finding What You Value

The best thing to do is to have these conversations with yourself and the rest of your family and create a list of the things you’ll grab in an emergency but please do this BEFORE there’s an actual emergency.

When I asked my boyfriend if he grabbed a certain thing, he’s not always sure. Why? Because he was scattered, stressed and little scared of the fire encroaching. And I don’t blame him! I was the same way and I was 200 miles north!

OK, turn off your email, put away Facebook, gather your family and walk around your home to determine what you really value and get that list made pronto (if you don’t already have one that is). I promise, if there’s an emergency in your future, you’ll be so glad you did!

Just something else to think about…

Why We Buy

Why we buy…it’s an interesting question, especially in our America the Great Consummerland.

There is a simple answer and a detailed answer.

The simple answer is “because we like to feel.”

The detailed answer is, well, a little more complicated but here goes…

We buy stuff, called piddlyjunk in our programs, because of how ‘we think’ a certain thing will make us feel. Let me explain…shopping

Let’s say you’re wandering through your favorite clothing store, rummaging through the dresses, and you come across the perfect little something for the office party you’re going to next week. Stop and think about what happens to you emotionally.

You see the dress, something inside you immediately sees how the dress can help make you feel a certain feeling that you’ve been wanting to feel:

  • Liked
  • Sexy
  • Appreciated
  • Desirable
  • Strong
  • Capable
  • In charge
  • And the list goes on.

Whatever it is about you that you don’t feel enough of, is often exactly the emotion that you’ll feel when you see something that ‘you think’ will make you feel the thing you’re missing (i.e., bulleted points above). I hope I didn’t lose you there. LOL.

For a fabulous list of 100 reasons why people why stuff, please read this blog (when you’re done here that is!): http://copytactics.com/why-people-buy-stuff

The interesting thing about consumerism is that it is pretty much driven by human beings sense of lack. I mean, think about it. When a normal, well-adjusted person has enough clothing, he often doesn’t have a drive to buy more until he perceives he needs something. It doesn’t mean he DOES need more…he simply thinks he needs more…often for the same reasons as the list above.

When we have enough, generally speaking, we stop having strong desires to go get more of that thing.

Now off the record, we all know people who buy more stuff even when they have more than enough. These people, especially, are looking to fill an emotional void and it’s often these people who have the more difficult time getting their spending habits under control.

Most of us have happened on the Hoarders TV show at least once and have said, “OMG, what possesses someone to do that?” unless of course, you have some hoarding tendencies yourself. If you do, you might want to consider getting some counseling…stat!

Or just keep reading. You may learn a bit about your ‘stuff’ habit because most of the reasons we do things repetitively is because we’ve allowed our unconscious drives to develop into habits but we’ll save that topic for another day.

The Main Reason We Buy Stuff

My best friend once told me that us human beings are usually struggling with one or more of the following self-concepts:

  • I am lovable
  • I am good enough
  • I am worthy

When a person doesn’t feel they are lovable, or good enough or worthy, they will do practically anything to find ways to feel lovable, good enough or worthy.

Stop and think about your own life and habits, especially your money habits, right now. Which one or more of the above three self-concepts do you personally struggle with?

Even though we’re looking at our financial habits right now, if one of the above really hits home, you will probably find that many of your habits in other areas of your life are also driven by the same incorrect self-concepts.

After all…you ARE lovable, you ARE good enough, and you ARE worthy.

One of our favorite sayings by Cheryl Huber that we teach at Creative Wealth is:

“How you do one thing is how you do EVERYthing.”

We have found it particular useful when it’s time to truly look at your life and make changes.

Some common reasons people buy…and they’re not in any particular order.

To get attention: when was the last time you bought a sexy dress or new shirt in order to get the attention of someone for any number of reasons: you want to date them, you want your boss to like you, you want society to acknowledge you and on and on.

To feel connected or a sense of belonging: let’s face it…we’ve all seen that certain groups of people, whether socioeconomic, career, sports, ethnicity and even gender, have certain types of clothing, cars, houses, vacations, etc., that the majority of people IN these groups relate to and are actually used to define the group so to speak. It only makes sense, then, that some people will buy a certain thing because it’s what the group they want to belong to has.

By the way, buying gifts is often for the feeling of connectedness but also for appreciation. We’ve all known people who got us gifts in order for us to make them feel good about what they did ‘for us.’ If you really want to give a gift and do it with pure intention, gift it anonymously. Try this and see how it feels. You might enjoy the feeling.

As I’m writing this and contemplating the different reasons people buy stuff, I find that every reason seems to circle back to one of these two reasons. AND it allllllll boils down to my original simple answer:

We buy stuff because of how ‘we think’ it’s going to make us feel.

How to improve your buying habits

These are some simple ‘buying hacks’ for helping you feel more in control of your buying, i.e., spending. Hope they help!

My favorite question of all to ask myself…”Can I do without it today?”

Virtually 100% of the time, the answer is YES, I can do without it today. Then I go about my day and rarely think about whatever it was ever again. If I DO continue thinking about it, I ask myself this next question.

2) Ask yourself, “What is it I think I’ll feel if I buy this?”

You have to be willing to be honest with yourself. There’s no shame in not feeling lovable or worthy or good enough and when you finally discover what’s underneath a lot of your buying habits, you can create new, healthier habits that actually take you down the financial road you’d rather be traveling.

Another note is that when you DO realize what’s underneath it all, there are a LOT of ways to improve your self-concept. One of my favorite personal growth guys is Kyle Cease. I’ve never laughed so hard and gotten so much use out of one man’s insight and wisdom in my life.

3) If you DO buy something you probably didn’t need, LEAVE THE TAGS on it and staple or tape the receipt to the item. Set an event in your phone or computer for a couple of days before the ‘return by’ date and make a new deal with yourself. If you don’t use it or wear it by then, TAKE IT BACK!

4) Ask questions. Why do you want it? Why do you want that particular brand? What is it about this thing you think you need that will fill whatever void you happen to be feeling? What perceived lack (because all lack is a perception…heck, all of LIFE is a perception) do you think this thing will fill?

Just keep asking questions and if you’re the journaling type then journal your little heart away until you figure it out.

Our financial habits always add up in the end. This is one of our 30 Creative Wealth Principles (aka rules to the money game) that teaches us that where we end up financially is completely dependent on our money habits.

Buying stuff, regardless of the reason(s), will either take us toward the goals we want to achieve financially or away from those goals. It’s up to you to unearth your own reasons for buying and get those unhealthy habits turned around.

So…why do YOU buy? Please post your comments below…we love to get feedback from our readers.

5 Steps to Creating the Habit Of Wealth in Just 15 Minutes a Day

Yup…it’s yet another New Year to ponder. I wanted to wait until you got most of the “Make this year your best year ever” emails before I sent this one out. I’m sure you’ve rolled your eyes several times already so I thought perhaps I’d give you a few completely unique tips to apply to your financial life.

These are some of the questions the financial gurus often ask you to ponder:

  • Where are you now?
  • Where do you want to be next year at this time?
  • What’s it going to take?
  • Are you ready to commit to making it happen?

The following 5 steps, however, as a bit different. Why? Because your financial situation is as much an inside job as it is learning and applying new financial habits in your life. Just as the quality of the apples on an apple tree has to do with the health of the tree’s roots, the quality of your external financial situation has everything to do with your mental financial roots (aka, belief systems).

If you’re one of the many people in the United States who need a financial makeover, here are five very effective, though unusual, steps you can take to start you down a happier, more prosperous road through 2017.

Step One:

5 steps to wealth

Begin each day with gratitude. Take two minutes first thing in the morning, over your coffee, tea, green drink, smoothie or hot chocolate, to experience gratitude for things in your life: your situation, your family, your experiences, your opportunities to learn, your health, your partner, your toothbrush. Whatever it is…just think about, and FEEL, grateful for as many things in your life as you can in two minutes. To add an additional level of awareness to this process, keep a gratitude journal by your bed or on your kitchen table…whatever is easiest to turn into a habit and write in it every day…if even just for a minute.

Note: If a fancy journal makes it easier for you to write, simply type ‘gratitude journal’ into Amazon and take your pick!

Step Two:

Start keeping a money journal. Not just for spending but for anything and everything related to money: saving money, investing money, expenses, purchases, why/when you use cash vs debit card vs credit card, thoughts you have about money (THIS is a biggy). This money journal doesn’t have to be fancy or laid out in any particular way, just start writing your money activities down…all of them! It’s only when we are aware of what we’re doing or thinking that we can then set out to modify what we’re doing or thinking in order to bring us a different financial experience.

Note: It usually takes at least two normal weeks (i.e., no company, holidays, vacations, etc.) before you start seeing your spending patterns. You know, the ones you need to change. If you really want to make some changes, keep the journal for a least a month. And if you REALLY, REALLY want to change, keep the journal going always.

Step Three:

Figure out how staying in your current financial position serves you. You heard me correctly…why might you not want to change? There is a saying that goes like this:

“People don’t change until the pain of change is less than the pain of staying the same.”

Believe it or not, many human beings don’t really WANT to change because to change often requires compromises, effort, letting go of some things, etc. and for whatever reason, some people are unwilling to change even though they give lip-service to wanting a different life.

Human beings hold very deep-seated beliefs when it comes to money (and everything else for that matter) and those beliefs literally control everything we do in regard to money. When you can’t seem to change what you’re doing, figuring out what keeps you stuck where you are is a very good thing indeed.

Doing daily introspective work using a journal, talking to a best friend or even hiring a money coach can help you sort out what’s at the heart of your money issues.

Note: Even if don’t have money issues, you do have money beliefs that are important that you understand. You never know when a negative belief might just rear its ugly head and cause problems for you.

Step Four:

Figure out how improving your financial situation would change your life. Make a list of how things are now and how they would be if you made, or had, more money.

Now, ask yourself this profound question:

“Can I change how I think and feel to experience the life I want this very instant?”

I know it seems like a strange question, but the fact is, you CAN change your experience of life in a heartbeat of a second…if you can learn how to change your MIND about your experience.

Here’s a great book that I highly recommend…The Untethered Soul by Michael Singer. It’s not about money…it’s about something a whole lot deeper. And when you can see life at a deeper, and different, level, you begin to look at everything differently…especially money!

You see, I have been involved with money and people (most of them little, but still) since 2002. I have noticed that money makes people crazy in so many ways.  I have noticed that there are people WITH money who are always upset about their financial situation and people with a lot less money who seem sane, happy and satisfied.

Learning to look at money, your life, and life in general a little bit differently can go a long way toward bringing you a little bit of peace around your money situation. Just something to think about…

Step Five:

Figure out how to make doing your money differently a PRIORITY, because if you don’t, you will never change your financial situation.

The fact is, unless something is a priority to you, you just won’t focus on it. You won’t pay attention to it. You won’t do what you need to do in order to get where you say you want to go.

Think about all of the things you do each day…the things you always do no matter what. Why do you do these things? Exactly…because they are a priority to you.

Developing new money habits is one of the requirements for having a new, and improved, financial life. And as soon as you make improving your financial situation a priority, you’ll make developing new money habits a priority and you’ll be off and running.

In summary…I’d venture to say that this list of five steps is probably a little different than other articles you’ve read. While the other lists give you a lot of great financial to-dos, it doesn’t help you develop the neccessary foundation for change if you’re truly tired of your current financial situation and would like to have 2017 be different.

If you’re ready to make a change, you have options:

  1. Start reading books about money. Any and all books, especially books about belief systems such as The Secrets of the Millionaire Mind by T. Harv Eker. Just visit your local library and start checking out financial books. Would will be surprised at how quickly you start to figure out what you need to do.
  2. Next, start attending any and all local workshops, seminars or other group events you can attend. You might only pick up one little tidbit, however, those tidbits will add up to a great education quicker than you think.
  3. Lastly, consider hiring a money coach. Yours truly is available and happy to help you make the necessary changes and take the needed steps to get you moving toward your financial goals. Just give me a call at 805-957-1024 or send me an email at Elisabeth@innerwealthpublishing.com. It would be an honor to assist you!

Happy New Year!

Where Does it Hurt? Right in the Assets!

Investing can be a sore subject during, and especially after, bear markets. It follows then that we, as humans, will follow our instincts and try and better the investment experience. Why? No secret here. If an individual’s asset values have been reduced due a falling market, there are a number of life’s plans that can be significantly affected by the event. For instance, were these assets invested to coincide with a particular event, like funding college tuition, buying a second home or enabling a comfortable retirement?

Have you ever made an investment and suddenly you don’t know why? To top if off, the investment shrinks in value. You sell, realize the loss and ask “What was I thinking?”.

Experience will be a reliable guide. Unfortunately, many of us have to acquire experience personally. This means three things occur: 1) We loose money, 2) We loose time and, 3) We realize we need to know more.

To the point(s); in over thirty six years of working in the investment community, itís been my pleasure to meet some extraordinarily talented people. If you find the challenge of managing your investments of great interest and entertaining, there are advisors that focus on providing actionable information to clients for execution.

In general, Three Points Can Save Your Investments.

1. Improve your understanding of the relationships that drive markets. If you could see the impacts that one market has on another and could see then what the result would likely be, would this information be helpful to you?

2. Suppose you felt you could significantly improve your investment results if you had what you considered a reliable signal that would tell you if the stock market was going up or down. Not minute by minute, but up over the next few weeks. If you could find such a signal and the market suddenly dropped, you could buy confidently while everyone else was selling.

Why would this be of value? Think about it. When do things become ìcheapî, less expensive? The answer is when no one wants to buy. If you had 80 to 85 percent confidence, what would be possible with a reliable signal like this?

3. Suppose you were able to tighten this up even a bit more. Suppose you could take advantage of the daily market movements, working specifically inside a mid-term trend on a short term basis. If you had the percentages for success/failure on each move before you made it based on past history, (which as we all know, is no guarantee of future results), would this be helpful?

Imagine the market has started to move higher. Based upon daily research, an opportunity presents itself which based on past data suggests a 67% probability of success if you sell the market at the open and buy the market at the close. How many times have watched the market open significantly higher only to close in the trash can?

Specifically, three points of perspective:

The Broad Overview

Imagine for just a moment that you observe certain markets interacting and that this interaction when viewed previously had a future positive impact on the S&P 500 ñ the stock market, as an example. Following your observation, you now know generally what to expect will be developing. As the relationship between markets evolves, you can see it is likely the market will moveÖ higher (as an example).

The Medium Term

Next, you go to your highly reliable signal and see if it is in agreement or not. At first, this signal may disagree with the broad overview, but remember, all things take time to develop. After a while, the highly reliable clicks positive. It says ìBuyî.

Short Term

The marketís internal dynamics indicate, the market is now in an overbought or oversold position. If you want to commit to a little extra work, Using a portion of your account you can now execute a short term trade inside the medium term position. You are now mining the market trend.

Can you execute with confidence? Yes. You have a basis for your decision making that has been tried and tested. This process takes patience and persistence, but it can be highly rewarding.

If executing your own trades is too cumbersome to your lifestyle, you may find that you want an advisor so that you donít personally have to devote your waking hours to the task of trying to manage your assets.

Some can design personal investment portfolios that greatly reduce risk and produce attractive gains while keeping clients comfortable, confident and happy in the financial aspect of their lives. These clients stay clients of the advisor generally for as long as they live.

These clients benefit from the advice of an advisor and they usually have him/her fully manage their accounts. They typically will also benefit from investment tax planning that helps to deliver long term capital gains while maintaining a pool of selectively and surgically harvested losses that be brought forth for use as the clientís tax situation dictates.

How does one get to know an advisor? There are listings and there are brochures. However, if you want to feel comfortable in your relationship with your advisor, you must know him/her or their company. You should watch and witness firsthand their work and the results it produces. Once you have had that experience, you can then move forward confidently into the relationship.

How long does it take to get to know an advisor? Sometimes, it can take years. Then again you can go on a hurry up campaign, but if you do, you may end up asking yourselfÖ What was the questionÖ.? Oh yes, ìWhat was I thinking?î

In the world of investing, will you be 100% successful? No. Nothing involving risk in the investment world is 100% or guaranteed. Tomorrow is always tomorrow so itís different from yesterday or today. However, you can use experience to put the odds of success on your side. If your money manager has over 30 years of investment process development experience under his or her belt, with winning outcomes, chances are if you like each other and trust each other, youíve found a home.

John Howe has worked in the financial services industry for over 36 years. He has had the opportunity to know some of the most talented world class money managers, traders and advisors and has provided seminars on investing across the country to thousands of individuals and their advisors. To learn more about, successful, profitable investing visit us =>

www.RiskRewardFinancialSolutions.com or give us a call at 508-833-1401.

Legal Separation From All Things Not Life-related

Many months ago I was thinking about one of the major tenants that we teach in our progams and that’s the idea that the amount of money you have attached to your name means nothing about who you are as a person.

That got me to thinking that really not a lot attached to us means anything about who we are as a person. So I sat down and wrote out the following Legal Separation From All Things Not Life-related. I’ve given it to many people, and all of our Creative Wealth Coaches in our Train-the-Trainer program, since it was written and I’ve been told me that it helps alleviate the stress associated with the judgments we make about who we are in the world.

Here it is for your pleasure and use. Enjoy…

Legal Separation From All Things Not Life-related

I, ________________ (insert your name here), hereby legally separate myself from all things that are not life. From this day forward, I will no longer be defined by, or let my enjoyment and love of life be affected by, the following:

• my gender
• my marital status or my relationship to a man
• my sexual preference
• my social security number
• my credit score
• my where I live
• my beliefs about the world
• my political opinions
• my opinions about anything at all
• my religious beliefs
• my spiritual practices
• my favorite color, sounds, pictures, places, flowers, etc.
• my what color my skin is, or isn’t
• how white my teeth are, or aren’t
• how tall or short I am
• how big or small my feet are
• my net worth
• how much money I have, or don’t have
• how much debt I have, or don’t have
• how many homes I own, or don’t own
• how much passive income I make, or don’t make
• how much income I make, or don’t make
• what I weigh
• what color my hair is or how much hair I have or don’t have
• how many children I have, whether I have children or not or what who they are
• how much gray is, or is not, in my hair
• what kind of car I drive
• what I choose to read, or not read
• whether I watch TV or not or what I choose to watch or not
• what kind of foods I prefer, or don’t prefer, to eat
• what clothes I choose, or don’t choose, to wear
• what words I choose, or don’t choose, to speak
• what thoughts I choose, or don’t choose, to share
• or anything else for that matter.

I am simply me. Period.

Signed this _____ day of ________, 20
___________________ (print name here) formerly a sparkle in my mother’s eye, formerly a snippet of the Universe, whatever that may be.

Financial Bliss for Couples

In response to today’s economic times, it seems that couples are doing one of two things. They are freaking out about their current financial situation or buckling down and finally taking control. In either case, it’s the perfect opportunity for couples to begin to establish wise habits with money, set a few short and long term goals, make more sound financial decisions, and create a new foundation for success.

Though many things come to play when it comes to couples struggles in the financial arena there is one glaring obstacle that shows up over and over again: the lack of basic financial systems and strategies. They simply have never sat down to discuss the matter or if they have, the results of those conversations have been rocky at best so the couples steer clear of the topic altogether. Neither of these alternatives lead to happy financial bliss.

Considering that ‘money’ is often blamed for the majority of marital unrest and divorce, it would serve couples well to begin talking about money and their financial life before they even take that first trip down the isle. This way they can develop the essential systems and strategies that create happy couples that last the test of time.

A system is a consistent step-by-step procedure for doing something and it’s usually the reason something works or doesn’t. Think organization, method, or formula. In the home, it usually answers the question of “who will do what?” It’s a simple equation yet illusive for a lot of couples.

A good example of a well-oiled system is McDonald’s. Walk into any McDonald’s and you’ll notice all the cups stacked the same way, every uniform matched, every French fry perfectly crisp and salted. We come to trust that a hamburger we order in one McDonald’s will be the same in any other one. Quality is one of McDonald’s formulas for success and they achieve that success by creating the system first.

When couples develop good financial systems and stick with them, amazing results are apt to follow. Without them, couples are much more likely to live in fear and hope: fear that everything will fall apart and hope that it doesn’t.

A strategy is a plan for reaching a goal or obtaining a result. Couple conversations about financial strategies encompass ‘how’ they will be reaching short and long terms goals. Money is just one of the many conversations where couples generally don’t spend enough time and energy. Without a financial strategy, couples often end up 10 years down matrimony lane wondering why they are broke, just getting by, or fighting about money all of the time.

Financial Systems

There are many areas where I advise couples to create consistency by designing systems to establish a financially stable and secure life.

  • Recording paychecks and income
  • Creating budgets and “rules” for spending (how much for living, saving, investing, playing, education and donating)
  • Who will monitor budgets and how often
  • Who will handle the mail, sorts bills, file papers
  • Who will pay the bills
  • Who will handle the children’s financial needs
  • Who will contribute to what retirement and how often
  • Who will handle investments accounts
  • Who will interact with accountants, insurance agents, etc.

Great financial systems, or the lack thereof, will make or break a couple’s financial experience. Getting coaching before problems get out of hand is essential to the health of the couple’s financial future and their relationship, as a couple, to money.

Financial Strategies

In terms of developing strategies, there are many basic questions couples must ask themselves, no matter how long they have been together:

  • Where are we financially, right now?
  • Where do we want to go i.e., short and long term goals?
  • When would we like to be financially free (vs. retire)?
  • What methods would we like to use to become financially free? In other words, how will we create financial freedom for ourselves?
  • Are we going to work as a team or individually?
  • Will one person stay at home if there are children and will one work or will both parents work?
  • What investment strategies does each prefer…real estate, stock market or business?
  • What expertise does each partner need to provide his or her part?

As you can see, there’s a great deal of planning that must be done in order to build and establish sound financial systems and strategies. But what keeps couples from taking these steps?

The most basic answer to this question is that each person comes into the relationship with a financial blueprint* (from T. Harv Eker’s Secrets of the Millionaire Mind). In other words, each person has preconceived thoughts, beliefs and attitudes about money and wealth and, most often, they don’t mesh.

Instead, they provide areas of major conflict as each individual brings their own background and conditioning into the relationship. When backgrounds are sufficiently different, problems that could have been headed off at the pass with the proper communication, coaching and planning, often escalate into insurmountable issues that end in fights, struggle and even divorce.

So what should you do when you realize that you and your spouse need a financial tune-up? Stop immediately and realize you may not have the tools to sort it out yourself. I always suggest that my clients get a copy of Secrets of the Millionaire Mind, sit down with pen and paper and begin to unearth the roots of the problem. Too often, we continue doing the same things, hoping for different results. It takes courage to look at your limiting beliefs and conditioned ideas about how to handle money, but once you do, you can redesign your relationship with it in a new and supportive way.

If the economy has given you reason to pause and wonder about the stability of your financial foundation, sit down with your partner and take a look. Remember that by putting systems and strategies in place, your finances will be addressed and there will be more room for your relationship with each other!

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 at UltimateAllowanceBook.com