Think of all the beliefs you hold about money.
We use it all the time in quotes:
Money is the root of all evil.
Um, no, the quote is actually
The love of money is the root of all evil.
Or we make assumptions that connect wealth with offensive actions.
Like saying someone is filthy, stinking rich. (You’ve heard that saying again and again, right?)
None of us are immune from hearing the bad about money. And depending on how you were raised, they may be strong beliefs built into your core. Money beliefs become a part of us; mold us into who we are.
But if you want to grow, become better with money, manage it better, and reinvent yourself into something new, you have to change your beliefs about money. How about starting with these money ideas and use them to change your daily practices.
Let’s get started by the things you buy. The products you use in your home – detergent, toothpaste, food. The cars you drive; the gas you pump into your car; the entertainment you seek out each weekend.
1. There are zillions of choices thanks to the Internet. You don’t have to buy a product just because it’s at your neighborhood store. It’s easier than ever to find exactly what you want and order it.
Start by asking yourself a few questions instead. What makes you tick? What gives you hope for the world? What floats your boat? What makes you smile? Use that to guide your choices.
A long time ago I decided to care about what I put into my body, so I stopped eating processed foods, focused in on a whole food diet, and have been vegetarian for many years now. Then I discovered what goes on my body is just as important to what I put into my body. So I began eliminating the bad stuff from my body products too. Now I search for companies and products that focus in on real ingredients that are good for you – two current favorites are 100% Pure and Primal Pit Paste. I buy regardless of where they are in the world and have them send to me.
2. Just because you buy a product you believe in doesn’t make the company “good” all the way around. Look, we’re all people. And we all have a little bit of good and bad in each of us. I may refuse to do business with a company for one reason, even though they may be socially responsible in other ways. That’s okay.
We all have to weed out the good and bad for one reason or another. That’s okay; that’s my thing. You can have your thing too. Make sure you know your reasons, your lines, your attitudes. Then live up to them every day. That’s the best any of us can do.
3. Time currency is equally important to financial currency. And in many ways it’s even more. Don’t believe me? When was the last time you didn’t wish for a few extra minutes with a loved one? Or a little more time to work on things you love? Money comes. Time disappears. It’ll always be that way, with time growing shorter each year. If you can do more in less time, it’s always a win. So have a store deliver it. Pay an assistant to get it for you. Order online and save the hassle from searching, finding, and getting.
4. Stop moaning about the bills. Consolidate, make them easy to pay, and pay them. We all have bills; they allow us to live our uber-modern lives. Now I’m not saying you should be stupid with your money; if there’s a better deal on who you use for Internet service, for instance, by all means take it. But imagine life without Internet. Scary, right? So just pay it and be thankful you live in the times you do. Your bills give you freedom, flexibility, and the advantages to do all the things you do.
5. Stop counting pennies; they make you avoid the dollars. It’s easy to fall into this trap, especially if you’re self-employed. Ever kept your low paying clients happy by throwing more into what you give? Then a high paying client comes along and you simply don’t have the time to dedicate to the task? Yep. The first time I had to say no, it hurt. But with a little practice, you can quickly learn to assign value based on your most valuable currency – your time – and offer what you do best.
6. Bitterness holds you back more than you can imagine. I remember a time when I bitched about everything. Business was slow. The economy was bad. Sales were few and far between. Savings was hardly worth the effort.
The more you resent things around you, the harder it is to enjoy what you have. If everything is bad, it’s impossible for you to work from a place of good. Turn it around … that’s when the magic starts to occur.
7. It’s also important to realize your choices impact the world. You and only you make decisions on what is acceptable to you.
Don’t have enough money in the bank and have to pay an overdraft fee? Fess up and realize before you lay down your debit card this possibility exists. If you know you’re close to your limit, realize the fee may be assessed. If you park in a no-parking zone, realize you have the chance of getting a ticket. And if you do, you have nobody to blame but yourself.
If you’re late for a meeting and drive ten miles over the speed limit, you are controlling your chances of getting a speeding ticket, which will continue to deplete your money supply. It’s not the rest of the world that’s out to get you; it’s all about the choices you make. A simple change can add a lot to your bottom line.
8. Speak with your money supply. There’s a lot of things I won’t do simply because I don’t like the way it’s presented on paper. Hotels that charge for wifi? Nope, why stay in them with so many other options. (Like airbnb, my fav!) Or how about concert tickets? I pushed “delete” on an order a few months ago for concert tickets that assessed more in fees then they did for the ticket. If you don’t like the way something operates, don’t agree with the principles, speak with your wallet.
9. Money comes and money goes. It’s easy to get wrapped up in the idea of how much we make and use that as our sense of worth. But money has a never-ending supply. You can add to it in many ways – find a $20 bill on the street or start a six-figure business. It also can go just as easily – pay service fees, fines and tips. Always remember money is in constant ebb and flow. If it comes out of your pocket, it goes into another’s. And they may be using it to feed a child, help an elderly parent with medical expenses, or buy a book for school. That’s what makes our world a better place.
10. Quit worrying about “he makes more, she makes more” battles. Yeah, we all know there’s inequality in the world. So? It only impacts you if you let it. Do the best you can do and strive to achieve what you have the desire to achieve. The rest is all frivolous anyway. If you want to make enough to send your child to a private school, do it. If you want a six week vacation in Europe, save for it. If you want to live a certain lifestyle, put it down on paper and achieve it. If you’re happy, who cares what everyone else is making.