God is a Verb. Life is a Verb. You Are a Verb.


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Quantum physics will back up the claim, “There is no time or space.” The power of now is constantly unfolding, expressing. Life is a process, unfolding now, and always.

Even when we’re thinking in the past or future tense, we’re in the present moment—thinking about another time. That’s why it’s important to say affirmations in the present tense. The message to the subconscious is “This is happening now. I am successful now. I am healthy now.” If you frame your affirmations in the future, “I will be successful” or “My success is just around the corner” your success (or health, or relationship, etc) will always be “out there” “just around the corner.”

God is a verb. Life is a verb. We are verbs. We’re doing, being, believing, having. What’s your name? Add “ing” to it. Are you Daving? Cathying? Yes! At all times, you’re experiencing and expressing. God and Life are experiencing and expressing through you. There’s no separation between you, Life and God. To give, there must be a receiver. To receive, there must be a giver, and the consciousness to receive. Allow Life to express in, around, through and for you.

Live life as a verb. Do. Be. Have.

What are you good at?


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What are you good at? Do you cook delicious meals? Do you dress well? Are you a good driver? Maybe you’re a good teacher (even if you’re not a “teacher” by official title.) Think back to your childhood. Where you good at guessing how many candies where in a jar? Did you lighten up a serious atmosphere with a joke, or let someone know you were there for them when they felt no one was listening?

Get out a piece of paper, or set up a page on your computer to make a list of accomplishments you’ve made in your lifetime. It’s not about money, or status. It’s about what you’ve done while taking in some oxygen here on earth. It’s time you acknowledge it and celebrate!

Here are a few from my list, just to give you an idea of what made me proud at the time:

  • Won Cat-in-the-Hat pillow from Sears! (I was six, and I still remember my mom handing me the phone to let me hear the lady say, “Congratulations! Do you like soft or hard pillows?” and my turning back to my mom, “Mom, do I like soft or hard pillows?” and then parroting, “Soft, please.”)
  • Winning hula hoop contests at “x” and “x”.
  • 25 boy push-ups, done correctly.
  • Making “x” amount of dollars a year.

You get the idea.

The list is for you. If you are proud of the achievement, if it made/makes you happy—put it on the list. I once went to the dollar store. I bought a photo album. When I got to my car, I noticed there was an unused lotto scratcher ticket tucked inside the photo album. I  scratched it and won a dollar! It made me laugh. Who else would go to the dollar store and get a dollar! On my list, I also have my education, money related specifics, and progress I’ve made in areas I’d struggled. What are you proud of? What makes you smile when you look back? Anything goes!

When you have a rough day, pull this list out. If your list is three, four or five pages long, there is no way you’ll stay in the dumps for long!

What Kids Cost


Inside of a classroom with back to school on the chalkboard

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57% of families with kids under the age of 18 have two working parents. Instead of seeing it as a double edge sword, see the good that comes out of it. The cost of back to school shopping this year—according to National Retail Federation, averaged $604. Approximate break down of: Clothing $200, Supplies $90, Shoes $100, Electronic Devices $200. From that stand point, two working parents is wonderful.

Sometimes, even with two people pulling in paychecks, it’s hard to feel like it’s worth it. When is date night? It doesn’t have to be an expensive night out. It can even be stay at home and use the good silverware and candles, or decorate the table, or a room for a change of atmosphere instead of going out.

Meet for a picnic lunch if you work near each other. I used to work with a couple who would always bring real plates and silverware, and homemade leftovers for lunch all packed in their picnic basket. They made leftovers seem like a fancy meal, but it was easy, and didn’t cost them anything extra.

Are you trying to teach teens about money? Give them an idea of what it cost to raise kids, especially if you’re not wanting to be the Saturday night babysitter, or in the position to be the daycare. They may hear you say, “That’s expensive!” Or “We don’t have that kind of money” but your actions may or may not match your words, especially when push comes to shove. I’ve known parents who become baby sitter, and buy food the the new couple starting a family. If you don’t want that to be you talk about the expense of teens having kids, and how it adversely effects so many involved.

Sit down with them and talk about the cost of raising a baby from pregnancy through first year $4,294.; Monthly cost to feed a family of four $1,014.; Average annual cost of child care for a 4-year-old in child care center $7,380.; Cost of raising a child born in 2010 until the age 18 (college not included) $226,920.; Annual tuition and fees at a public university (as of 2011) $8,240.

Is Debt a Deal-Breaker?


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You found The One! Perfect in every way. —Except they have debt. Is that a deal breaker for love?

According to Match. com, three out of four single Americans say they are turned off by excessive credit card debt. 46% of the women surveyed said they didn’t care how much their date spent on an evening out. (Match.com) My translation: It’s the quality of the relationship, not the quantity of money spent on a date.

Their in debt; you’re not. Does that mean the relationship is over?

It depends. Maybe your partner will never be as money savvy as you. Does that mean you walk? If they’re not willing to have a budget, clear the stars from your eyes. Their unwillingness to learn about deficits and surplus that will effect them—and you, are a red flag saying that they’re not willing to change at all. If you’re an excellent saver and are hard line, expecting miracles from someone who’s never had a budget, you may want to loosen up a bit on your ideal partner, or their ability to budget to your standards.

Are you both willing to sit down and talk about money, budgets and expectations you have of each other when it comes to money? (If they expect you to manage the household finances, are they willing to stick their budget so you can manage the money?) The money in many military homes is managed by women. Often, one spouse earns money, sends it home, and hopes when they get home the money has been spent/saved wisely.

Dating or married, have a written plan. If it’s not in writing, there’s nothing to go back to as a point of reference. If your relationship doesn’t have a strong foundation of mutual respect, don’t expect fibs and outright lies to bypass your finances. 30% of people admit lying to their partner about money. Ouch! (National Endowment for Financial Education)

If the divorce rate is around 50% why do only 3% of people with a spouse of fiancé have a prenuptial agreement? By talking about money ideals early in a relationship, there may be less push-back of a prenuptial being “unromantic”. Think of a marriage as part business deal, and the prenuptial holding promise of a future of love and commitment.

Is fresh better than flash frozen vegetables?


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Some people think fresh produce is the only way to get healthy produce. Not true. Sometimes, frozen or canned vegetables hold just as much—or more nutrients than fresh. They can also be lower is cost and easier to prepare. When I was going through chemo, my idea of preparing a meal was opening a can of white or black beans, a can of tomatoes, a can of corn, and adding pre-chopped celery and onion (thank you friends and family), and maybe spices like cumin or basil. When I was real low on energy, I’d ask someone else to open the cans. They loved this simple request! “Is that all you want me to do?” And depending on my energy level, my response was either, “Yes.” or “I’ll starve if you don’t.”

Vegetables retain their nutrients by how they’re processed or prepared. With flash freezing, vegetables hold their nutrients because soon after picking them, they’re boiled, then moved to ice water and drained before being frozen. Fruits are washed, slices and frozen. Canning uses heat treatment to destroy microorganisms that cause spoilage.

Both flash freezing and canning are done within 24 hours of produce being picked. This is known as “minimal processing.” Foods that are highly processed, including fruits and vegetables prepared with a lot of salt, sugar, or fat are known as “highly processed” foods. Examples are vegetables with cheese sauce, or canned fruit pie filling. If you can, add your own cheese to vegetables, and make your own pie filling. Look for frozen fruit without syrup and canned fruit packed in water or its own juice. Buy no-salt added versions of canned vegetables, or drain out the liquid from the regular kind, and rise a few times. Store brand canned or frozen items are often lower in price and same quality as name-brand.

However you get ‘em – Get ‘em! Five servings a day of fruits and vegetables will help keep you healthy and lower the risk of cancer.

Pick a number and save


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Let’s say at the end of the month you have an extra $267 after expenses and your regular saving. If you spend it all, you may wish you didn’t after the fact. If you save it all, you may feel saving is punishment, and that you never get to have any fun. If you don’t have a regular savings plan, this could get you used to the idea, and hopefully edge you closer to making it part of your life. This is a start, but should not replace the idea of regular savings.

Every paycheck, pick a round number and put that into savings. Let’s say you decide to put $200 of the $267 as additional savings this month. The $67 is to spend any way you decide. Next month, you may have $302 left over. You may decide to save $100, and spend the left over $202. Remember, the $100 is in addition to your regular savings—it’s “extra” so don’t beat yourself up for having fun with the rest.

I have several savings accounts. One for a car, one for travel, etc. When I have “extra” money, I may chose one of these accounts, or my financial freedom account—which eventually ends up in an IRA as the amount grows.

The key is to save first, spend second.

Ways to be a better saver of money


save money

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According to Rand Corp. economists, in a study on money saving behavior from August 2012 to March 2013, people who wrote their money saving goals down saved 64%. People who did not write down their goals saved 53%. In this study, savers were given money and some of the savers were asked to write the following: “I am a good saver. I will commit myself to achieving my savings goals.” A third group in the study were those assigned to an account where they could not withdrawal any money over the next six months. That group saved even more than the other two.

If you want to save more, write it down, or share it with a trusted friend or family member. It seems to be the act of pledging to be a better saver that makes a person better at saving. People want to have their words and deeds match, especially if others know about a goal. Another sure way to set you up for success is to have some of your savings hard to get to.

Savings? Words matching deeds? Accountability? There’s an app for that! Yep. If you can’t come up with your own motivation to save, there’s an app and website Stickk.com by Yale behavioral-finance experts. With this app you can create a contract and share it with others. You can even include a penalty if you slack off. The penalty can be something like authorizing a credit card payment to a charity. Stickk.com has found that users who do share their goal with supportive people and chose to elect the penalty, have a success rate of 80%, while those who keep their goal of savings private succeed nearly 40% of the time.

How to Visualize


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If you want something, you’ve got to experience it in your mind’s eye before you can have it. It’s not, “I’ll believe it when I see it.” It’s “I’ll see it when I believe it!” Visualization is different than daydreaming. Daydreaming is just out there. In a daydream, you imagine without structure. You might even talk to a flying squirrel in your daydream. With visualizing, you’ll want structure. It’s not pondering what could happen, but what you want to happen. If you want a better job, say working in nature, you visualize yourself happily doing the job, wearing the uniform, and if you “see” a flying squirrel in your mind’s eye, it’s part of the job’s joy, not a random thought, or concern of the squirrel being a pest to plants and eroding the hillside.

Let’s say you want to pass your driver’s test, or get a promotion at work. Whatever you want, decide on it first. Then, lower your shoulders, and unwind from any anticipation or pressure to get what you want. Next, make sure you have five minutes uninterrupted to visualize what you want as if you’ve just gotten it. See yourself being acknowledged with words and actions, “You passed your driver’s test. Congratulations!” See people at work smiling, congratulation cards and e-mails, and things on your desk being packed up to move to the big office down the hall. Hear your friends and family say things like, “Good for you!” “Well done!” Feel the hugs, hand shakes or high fives. Take in the atmosphere. What does it feel like? Your body should feel the excitement of your accomplishment. It’s just happened! Jump! Shout! Feel the glory!

The feeling part of visualization is called seeding. Your thoughts create feelings, and your feelings create a corresponding vibration (high or low) in your body. All thought creates form, the form it takes depends on the vibration connected with it.

There are two types of visualization. One is having a precise idea of what you want before you begin visualizing it. With this type of visualization, you know what you want, and repeat that same vision every day. The other type of visualization is to just let positive thoughts of the outcome of your desire flow.

Keys to visualization: 

  • Keep it positive.
  • Keep it about the end result—as if you’ve just achieved it!
  • Visualize at least once a day for five minutes. It’s better to visualize 5 minutes 1x/day than 1 hour 1x/week.

You point the direction with your personal budget


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Some people avoid having a budget out of fear it will rule them. No! YOU have far more control by having a budget, than without one. YOU direct how much, when, and where to allocate the money. Just put aside money and point your mind and actions in the direction you desire.

I’ve been called The Budget Queen for years. I recently learned that Margaret King of Philadelphia, PA reins as Queen Budget with a net worth of $850,000.

It began when she was a graduate student. Her budgeting formula? maximize money for investing. She lived within her means. Her life necessities (needs, not wants—things like utilities, food, housing) fit into 57% of her income. She set aside 10% for travel, and 3% to gift family and friends. That’s a total of 70%. The other 30% was for savings, investments, and paying down the principle on her mortgage.

Ten years ago, King paid off her home loan. Each month, her minimum payment was 15% more than what she owed. Once that money was freed up, she put that 15% into investments.

Don’t get caught up on her net worth. Don’t play the “yeah, but—” game. She did it! Awesome!

So can you! You can take budgeting seriously. You can save money. If you really don’t have extra money, don’t start with a goal of paying down 15% over your debt. If you say you don’t have the money, but are spending it elsewhere, then it’s time to look in the mirror and do some soul searching. The only way to manage something is to track it. By watching your spending, you’ll know where it’s going and that means you’ll know how much you have to spend or save.

King’s budget formula is basically the standard 70-10-10-10. Living on 70% of your net. Investing 10% to long term savings. Investing 10% to short term savings. And 10% for fun. This is where I encourage charity, and pull funds for fun from the short term savings. If someone’s in debt, they can use this last 10% for paying debt down. How you break it up doesn’t matter at all. What’s important is that you begin.

Every once in a while, I grab an envelop and for a month I keep track of all my receipts. If I spend money and forget a receipt, I write down the cost and what it was for on the envelop, or piece of paper and put that piece of paper in the envelop. At the end of the month I take a look at where my money’s going. I also check in with myself at a “real” level. Were there a bunch of things I could really do without? It’s not to punish, it’s to cross check desires and actions. If you say you want to save more money, or have more money—but you spend on immediate gratification, it’s not a match. Something has to give.

I am steeped in New Thought (law of attraction, act as if, affirmations, etc.) You cannot pray for money (or anything) and do nothing to draw it to you. Prayer or meditation may be part of that action, but at some point there will be a message for you to “treat and move your feet.” This is a metaphysical saying meaning, pray (sometimes called prayer treatment) and take action. Action begets action. Not action begets wishful thinking.

You can do it! Be the Budget Queen. Be the King within. As within, so without. It’s all about cause and effect. As our beliefs change, so do our experiences.

New Thought: What is Law of Mind?


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The Universal mind creates. It doesn’t judge. It doesn’t condemn or have favorites. It responds to our direction. Our astrological sign doesn’t matter, nor does our religion. What matters is how we direct the Law of Mind. This is the energy that knows all, and because we have free-will, It waits on our guidance.

Being impersonal, It doesn’t know what it creates—only that it does create. If It seems to create what we don’t want, or wishy-washy results, that’s a sign that we, not God (Universe, Law, Energy—call it whatever you’re comfortable with) need to make a change. We need to shift our thinking, or consciousness (which will eventually shift our thinking.) We need to get clear on what we want and to decide that our want is worth taking the time to pray, meditate or read. Is it worth noticing our passing thoughts, our off-the-cuff comments? We can’t think and say negative things and experience positive outcomes. We can’t tell our woeisme story and experience strength and success. Which side of the fence are you on? If you teeter, your results teeter.

Make a conscious choice about an experience you want. A better job, a loving relationship, moving to a place you love as much as where you live now—and some. To set it in motion, you must first set in mind. By setting it in your mind, you place it in the Mind of God—The Infinite Intelligence, The Law of Mind, The One.

Next, you must do your part by keeping negative away from what you claim to want. Negative comes in the form of worry, doubt, and thoughts as well as words and actions. If you know a friend of yours will laugh, make fun of, or disagree, it’s not the time to share this with them. You must get yourself on board first before you try to recruit others. Even when you get in the grove and life is humming along, I’d steer clear of what amounts to proselytizing to those who don’t want to be in your club. It’s a waste of your time and energy. If they show interest in how your life works, share it. If not, let them do their thing, and you do yours. otherwise, they’ll try to sell you their opinion in why your way doesn’t work, and that brings you back to doubt. The only way for someone to learn this stuff is buy doing. If “it” doesn’t work, perhaps the designer (you) made an error. Not specific enough. Too specific. Gave it to Universal Mind, then took it right back.

. . . What perfect timing! I just saw someone attempt to enter the laundry room. They punched in the code, and couldn’t get in—so they kicked the door. They went to get the manager. He came and put in the code, and the door opened. Ta-Daa! Next time something doesn’t go smoothly for you, stop. Step back. Take a breath and bring Universal Mind into the situation.

“A burned child scorns the flame.” —Swedish proverb