You point the direction with your personal budget


arrowrightpngkey-benefits-from-three-budget-stages-30357 image credit: Good Search

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.

Metaphysical Terms and Meanings


CopyofIcreate-1 image credit: Good Search

Most people, even if they’re  not steeped in traditional religion know traditional definitions of  terms like devil, sin and evil. Metaphysical, New Thought meanings of these words differ from how traditional religious institutions use them.

In New Thought, or metaphysics, the terms devil, sin, evil and hell may be used, but, as you’d guess, in a different sense. New Thought teaches that we all have free will, and are Divinely guided.

Christ-Consciousness: Jesus did not have the last name of Christ. He was given the title, Jesus the Christ because of his crystal clear consciousness. The “anointed” one. In Hebrew, “Messiah.” In Greek, “Khristos.” New Thought teachings talk about Christ-consciousness when they are talking about crystal clear knowingness, our solid connection with the Divine. (Not to be confused with the Divine’s connection with us, because that never changes. It is us who move, or cloud over, not the Divine.) Meditation is one of the many ways to help us in our clear, or Christ-consciousness.

The devil made me do it: The devil did not make you do anything. He does not exist, and gets a bad rap from people not willing to take responsibility for their own actions.

Ever gone to heaven and found hell? Heaven and hell are states of consciousness, not destinations. You can be in a beautiful place with someone you love and be in hell. You can also be in ugly surroundings with no one you know and find heaven. If you think about heaven and hell being in your mind, rather than when you die, you may free yourself from living out of obligation and guilt, and just might truly begin to live, and finding you do more from love because the self-imposed pressure is off you.

To sin is to miss the mark: Sin is an ancient archery term with the origin of Hebrew and Greek. It literally means “to miss the mark.” “Mark” is the “bull’s eye” at which the marksman takes aim. When we’re off balance, or off-center, we have “missed the mark.” When we’ve “missed the mark” we’re not consciously aligned with our Christ-consciousness, and some would say we’re “sinning.” “Go and sin no more.” Rough translation: Get your act together. Take better aim of the bull’s eye in life. Pay attention and do your part to live as high-minded and consciously as you can.

Negative thinking and talking is “missing the mark.” When we’re off center, we’re not hitting the bull’s eye. Fasting is to “turn the other cheek” (to look the other way) from negative thoughts and practices. Prayer is the affirmation of good.  Negative thoughts, words and actions can be considered sin, and to take it a step further, some would say this is blasphemy because to think and talk in less than glorifying ways is to denigrate God, the Creator of all, the image and energy which we are made from.

Evil is a mistaken idea: Evil is a belief in separation that will remain as long as we believe in it. “No matter how powerful the dark seems it has no power to stop the light that comes from either a searchlight or tiny candle” (Starcke, It’s All Good). New Thought teachings don’t deny the appearance of darkness, but deny it has power over Light.

Money and the Subconscious Mind


Money-and-Your-Subconscious-Mind1-300x163 image credit: Good Search

The conscious mind is the ship’s master. If you go around saying, “I have no money” your subconscious mind take you at your word, because the subconscious mind follows directions. It cannot argue, decide or initiate—It’s the servant of your conscious mind.

If you say, “I don’t have money”, your subconscious mind works to ensure you don’t have money for what you want. (Because that’s what you’re saying.) Your subconscious mind is just following your orders. Rather than saying, “I can’t afford that” try saying, “I choose to use my money elsewhere” or “I’ve budgeted for something else right now”.

It’s not about giving up desire for what you can’t purchase right now, it’s about being real, fiscally intelligent and planting the seed for the item to come your way. It doesn’t matter how expensive the item is, either. Who knows? Maybe it’ll be given to you as a gift, or you win it, or you have the money sooner than you originally expected.

Years ago while window shopping, I saw a dress at a boutique. I said, “That’s for me!” I went inside the store. The dress wasn’t in my budget, but I tried it on anyway. It fit and looked great on me. I took note of the size, and told myself I’d check back, and if it was on sale, I’d get it if I still liked it. A month later I did go back. My size was the only one left—and it was 50% off! I tried it on again and still liked it, so bought it. I still have this classic red dress with black velvet cuffs and collar. It still looks good, and I still love it.

I’ve known two people who were gifted with cars by non-family members. One of the cars was brand-spankin’ new. I’ve gifted people with travel, money, and finding what they’d been looking for, but couldn’t find themselves. I’ve won money, books, a Cat-in-the-Hat Pillow (at age six-when it was really important!), a month of in-door rock climbing, candy,  a scarf, hula-hoop contests —and cancer—twice.

Say, “I’m a winner!” and act like one. In other words, name it. Claim it. Act accordingly.

Free Money


 image credit: Google

Boom! Wow! You’ve just won $1,000.00 after taxes.

What would you do with it?

It’s “unscheduled money” so would you use it for bills anyway? Or would you use it as “fun money”?

House repairs? Car savings? A year’s worth of dinner and movies? Travel? Clothes? Tools? Donations?

Sit with this idea of getting $1,000.00 and feel it. Pay attention to how it feels receiving the money, and making plans to spend it. If it doesn’t feel good, you’re in the moment of lack — wishing it were more than $1,000.00, or focusing on “it’s not real.”

Everything begins in the mind. Imagination is where it all starts for everything — the chair you’re sitting on; the computer you use. The idea is to feel the fun of the money and plans. That shifts your focus and energy to receiving and if you keep this up throughout the day, you’ll see a shift. Some may see it that day, others in a few days, and others a week or so. Don’t stress out about “doing it right.” Have fun. If it doesn’t feel good, don’t do it.

Sometimes I do this throughout the day. I’ll plan to spend it on yard art. Then a few hours later, I spend it on travel. I never tell myself, “You can’t re-spend it.” I just keep having the experience of receiving and planning.

Have fun with  your free money!

Cha-ching!

Act As If


Form follows thought. True. A lot of people get into spiritual teaching and take the cream off the top. They hear “Act as if.” “Engage your imagination.” “Visualize.” “Claim what you desire and it will be so.” They don’t hear, “Take responsibility.” If you can’t afford $300.00 a month on a car payment, it’s not the time to get that car.

You can, however, get in the mindset by taking care of your current car now matter how old, how bad the paint is peeling, and how thick the blue exhaust out he tail pipe. Do you have a savings account set up for your newer car? Are you getting into your old car “as if” it’s the one for which you’re saving? How do you talk about your current car? Are you washing it “as if” it’s your newer car? If not, then what sort of message are you sending to the universe about how ready and able you are to care for luxury items?

In what ways do “act as if” for something (more likely an experience) you want?

 

Respect Your Money


I just saw a blog with a photo of people standing on money that had been scattered on the floor. The photo looked like it was taken at a party, with young women in high heels. The reference to the photo was about being so rich you could walk all over money.

HUH?

WOW!

Money is energy. If you treat anything (or anyone) with the attitude that you can treat it poorly, it WILL up and leave you!

It’s not the millionaires and billionaires we see stepping on money. It’s the “I wanna be rich—fast rich group.” They’ll talk trash about money, their jobs, and each other, while pretending for perfect strangers they are competent with cash. They’re missing the whole point of a “feel rich party”. It’s about consciousness. If everything is energy, then what goes around really does come around—including what we do or say to ourselves and others. Stop talking trash about money, and that you don’t have enough of it!

When you give, whatever you give comes back to you. For every action there is an equal and opposite reaction. This means when you give, the law of nature must kick in and give back to you. The laws of nature work in-kind. It does not guarantee from whence it comes. You may let someone in front of you at the grocery store, and later in the day notice people are holding the door open for you, and drivers are letting you merge with ease. You let that person in front of you at the grocery store without thinking, “If I do this, then things will flow for me.” Can you give money without calculating from whom and how much you expect to reap? If that’s the angle you come from, your consciousness will attract people of like-minded thinking into your experience. (And uh-oh, they may be even better at the give-to-get game.) When you give – whatever it is, give freely, with joy! Money is like blood; it’s meant to circulate.

Gratitude:


What are your thoughts about the Universe providing for you? Do you feel money is tight? Is that your focus? Or, are you aware you’re doing your part, and the Universe is doing its part?

Do you have a pair of shoes? How abundant you are! You have access to a computer. How abundant you are! No matter what comes up when you looks at your numbers – go back and recognize how provided for you are. Open up your refrigerator at home – if there’s food in it, that’s abundance! The fact you have a refrigerator, and that it’s plugged in are two more pieces of evidence that you’re abundant. Transportation. Private or public, you have it. Roof over your head? Look around for how many ways you can prove to yourself how abundant you are. Now, go to the feeling of gratitude for all that abundance.

Are you committed enough to fill a notebook page of things for which you’re grateful? Do it for a week. Maybe even a month. You’ll see your attitude shift. If you know you won’t do that, don’t beat yourself up, but take some action. Make a list – written or verbal – of ten things, events or people for which you’re grateful.

(Do it now.)

Thanks!