All posts by SeattleMoneyCoach

Radio programs today and Friday about your inner good girl and underearning

Is your “inner good girl” killing your business and causing you to underearn? Would you like to fix this without killing her? (Really, I don’t want to kill the woman. She’s actually very nice!) I’m doing two radio shows about this topic this week, so tune in if you can.

Tune in Wednesday, March 17th, 3 to 4pm Pacific to the Sisters of Sizzle radio program. I’ll be talking with them about how to earn your worth, from about 3:30 to 4pm. Go here: http://www.contacttalkradio.com/hosts/kloter-pagano.html and click on “Listen Live”.

Tune in Friday, March 19th, at 9am Pacific/ noon Eastern, when I will appear as a guest on the Femme Finance Radio Program. Deb Whitlock is interviewing me for a juicy hour on how we can conquer underearning—without killing our “inner good girl”. Go to www.ImThankful.com/radio and click the “Listen Live” buttons. (If you’re near Seattle, tune to 1150 am—KKNW.)

Is it time for a “Wallet Makeover”?

How does your money feel about how you carry it? Is money feeling well cared for in a lovely home that has room for all of it? I’m talking about your wallet.

Money is very important in your life, whether you want this to be the case or not. You spend about 40 hours of your life every week working for it! You have many, many places that you need and want to spend it. So does your wallet reflect something as important as this?

I often ask new money coaching clients if I can see their wallet. Many sheepishly drag out something they are not super proud of. It is crammed full of “stuff”, or it is almost empty because it’s what they grabbed that morning.

One issue I find is that people feel very financially scattered, and this carries over into their wallet habits. They carry their debit card in one place and their cash in another. (Is your cash stashed in nooks and crannies of pockets or loose in your purse?) They keep receipts here and there, and somewhere is their checkbook.

If this is the case for you too, then your money is feeling fractured. If you want to honor money, carry it all together. Carry your card in the same place as where you keep your cash and your receipts.

Certainly heading out to a night club may be an exception. Perhaps you only take your license, lipstick and cash. But generally speaking, use the same wallet every day. You may change your purse, but don’t change your wallet. It helps you keep your money life together.

I have a beautiful brown leather wallet. It is just the perfect size—for me. It has room for receipts in one place and cash in another. It carries my cards, and my checks. When I sit down to work on my money, all my receipts are in one place, along with my checks. I’m never hunting for my debit card and nothing ever gets lost. It is very easy.

Your wallet is the literal and figurative home for your money. If you want to honor money (and money is likely to stick around and increase if it feels honored) then consider its current- and most personal- home.

Consider a “wallet makeover” if:

* Your cash is crammed in your pockets or side of your purse
* You’re not sure where all your cash is
* Your debit card roves around
* You carry your checkbook in different places
* Your checkbook get’s rumpled and sometimes torn because it moves around
* Your wallet is not large enough to carry your cash, receipts and card (and checkbook if you write checks)
* You don’t like your wallet and are embarrassed to take it out

I tell clients that one of our first jobs is to help them get their arms around their money and come out of the “money fog”. If you want to get your arms around your own money, then a great place to start is cleaning out your wallet and carrying the same one with you all the time. Money will thank you.

Challenge: Is it time to buy a wallet you truly love? Or is it time to stop playing wallet roulette? Share your thoughts!

Mikelann wants a new car: part two (5 tips to negotiating a car)

A Honda Civic

Five tips on negotiating a new car (and shopping with my dad)

Okay, let’s catch up. My old crap car was decaying around me and it was time to buy a newer car. I had decided on what I could afford and was ready to get serious.

(Click here to read part one, Mikelann Wants a New Car: I Want What I Want When I Want It!)

I was at peace with the prospect of buying a good used car. (Again, see my previous post on my initial emotional tantrum.) As they say, “every car on the road is a used car”. And I knew cars lost value the moment you drove them off the lot. And leasing a car is definitely a bad idea financially. (Leases only make sense if you have to have a brand new car every two years.) But I wanted a really good car- a car I loved and was in great condition.

I wanted a newer Honda Civic two door coupe. A little sporty car that was quality and beauty all rolled together. (Okay, and my new single life with one ten year old child meant I could leave the “family car” behind. Hee hee! )

I confess that I felt on my own. I had read about how many women were taken advantage of at car lots. I thought of renting a large silent man to make sure the dealer would treat me fairly. How irritating is that!

I started reading about how to negotiate for a car. Now, mind you, I do teach negotiation. I also felt the pressure of doing a good job- practice what I preach and all that. Well, the first key to negotiation is doing your research and learning what you can. But before I continue my story, let me give you five tips.

Five tips to buying/ negotiating a car:

1. Research what the car should sell for. Check out Kelly’s Blue Book value. The internet is a great place to do research on cars. You can input your zip code and the year of the car as well as the condition etc etc. (I started looking up the value of Honda Civics’ in my zip code, 2002- 2008 models)

2. When talking to a salesman, DON’T tell them how much you can spend. For example, never say “Well, I can’t spend more than $8,000.”

3. Don’t tell them you are most worried about the monthly payment. They can finance anything to make a monthly number look good. Of course you’ll pay a ton in interest.

4. Don’t tell them if you have your own financing, will use them, or you’re paying cash. Don’t bring any of that up until you’ve settled on a price.

5. Bring a friend. Bring anyone. It doesn’t have to be a man. But you’ll be talking to someone who negotiates for a living. You want someone with you you can talk things over with, privately. Someone you can bounce ideas off of or someone who can help walk you away from a not-so-great deal. Make sure your friend knows your bottom line so they can keep you on the straight and narrow. (And it doesn’t hurt if he or she can pretend they know something about cars…)

Like I said, I knew the stories about women and car lots. It’s a bad combination. So many of us don’t know *#$% about cars, and we don’t like to negotiate. Bad, bad, combination. (“Good girls” especially don’t like to negotiate. I know because I’m trying to reform my inner good girl- people pleasing ways.) I really don’t know crap about cars. I’m a little more comfortable with negotiation.

And now let me share that once I did my research on price, primed myself on car negotiating and located four cars I wanted to see…. I called my dad and convinced him to come with me. (Remember point number five- bring a friend.) Yes, he’s that amazing super man who has been working on my house and just installed two new electrical outlets in my living room “because you can never have enough outlets”. So true.

And I also confess that a part of me felt like I wimped out by bringing my dad. A “real woman” can go buy her own car! I really wrestled with this one. But I also reasoned that bringing my dad was like bringing a friend to an important doctor’s appointment. Do we really have to do everything alone?

I’m the one who did all the research on car prices and I would do all the negotiating. More on that in a minute. But to be clear, I brought dad for three reasons:

  1. I really like my dad and we had a great time cruising dealerships and just visiting.
  2. My dad knows cars. I don’t. And my dad knows Hondas, which is what I wanted to buy. At every lot I would pop the hood and stare at the engine and really scrutinize it like I knew what I was looking at. Yep, there was that bright shiny engine. There it was. Then when the car salesman wandered away, I would ask my dad what he saw.
  3. I read one too many articles about women getting ripped off at car dealerships. And as good as I thought I was at negotiating, I couldn’t make up for my lack of car knowledge. As much as I wanted to prove my negotiating might, I wanted to also be smart. (Underearning is caused by our internal patterns around underselling ourselves- and one common way we do this is by not negotiating. But there is also real societal discrimination out there, to be sure. Get it?)

So off we went. It was interesting. One car salesman kept telling my dad that he should test drive my car. My dad actually did very little talking to them. But he carefully looked at the cars, the engines, the mileage etc. He knew my bottom line. I also said very little to the sales people. I played my cards close to my vest, not revealing what I liked or didn’t like. When a car salesman would go along for the ride in the backseat, my dad and I would talk about parenting and funny grandchild stories- give no information!

a car!

After four cars, we went to Starbucks and debriefed. It was obvious at that point what car was best- a sweet Honda Civic LX- two door coupe- perfect car fax history, only one prior owner, lower miles, great maintenance records, “Honda certified” etc . It felt brand new. (Though I’m sure they spray that “new car smell” around quite liberally. Hmmm. Just inhale it. There’s probably some mind numbing chemical in it, now that I think about it.)

I knew the Blue Book value and I knew what they were asking. Their price was quite reasonable, actually, and I could afford it even if they wouldn’t come down. But you’ve GOT to negotiate a car price.

So back we went. Dad played the somewhat “silent” bad cop in the back, sharing a few pre-planned reservations so the guy wouldn’t get to sales happy. (You and your friend can pre-plan this too. Have your friend show concern over the miles or whatever.)

“What are you asking again?” I asked.

He tells me the price and why it’s such a great deal.

“Hmmm. Well, as you know, I’m looking at some other cars too. Can you make me a better offer?” (Dad is silent during all this part, inspecting the office woodwork so the guy doesn’t get caught up in talking to him too.)

“Well, what were you thinking?” He asked me.

“Hmmm, would you consider—“ And I named a price about $1500 under his price and well under bluebook.

He hemmed and hawed. “Well, I’d have to call the owner on that.”

“Okay.” And I just sat there and said nothing more. (Dad is still inspecting the wood work and the guy looks at him anxiously from time to time but can’t get his eye.)

He dials the powers that be. “I’ve got this little lady here who’s looking for an early Christmas present, Jim…” (Why, oh why, do they always call you “little lady?”)

I actually got up and moved around his office while he was on the phone. I thought for a moment there was no one on the other end of the line, which wouldn’t have surprised me. But there was.

Long story short, he came back at $500 over my offer.

I drove my new car home that afternoon.

3 min video: Why do Self Employed Women earn less than Self Employed Men?

When I am interviewed, I commonly get asked “Why do women earn less than men?” Jeepers. It’s a huge question, and a very charged question. Talk about stepping into the fire! And I’m always frustrated that people expected a single answer! At any rate, I took on the challenge and recorded this tiny three minute video with my response.

I talk about two reasons, though there are more. So check it out and tell me what you think. The bottom line is that I do think women don’t ask for what they want as often as men do (and the research backs me up!) though the reasons behind this are also very complex. All the same, it causes us to underearn. I also mention a whopping second reason- “our relational nature”—we are so focused on other people that sometimes this really hurts us financially. It’s a version of that “good girl” thing, where we want people to like us, hate making people uncomfortable and sometimes give too much away… Comments?? Do you agree or disagree?

Mikelann wants a new car (I want what I want when I want it!)

Confessions of a real money coach Part one

I was wearing my beautiful coat, dropping my son off at school on the way to my office. He turns to me and says, “Wow mom, you look so rich in that coat. Really rich! Too bad you’re driving around in such a clunker. Bye mom!”

And away he goes. Ah children. They have such a lovely but strange way of speaking the truth, don’t they?

Yes, my car was awful. In fact, it had come to the point where I hated my car. It was very old and I admit I’ve stopped properly maintaining it. Embarrassing but true! My dad would be aghast if he knew how often I checked that oil… (Sorry dad, I know you’re reading this.) And I had even stopped emptying the clutter out of it. (Clutter is a sign of many things…) I was silently protesting the car by simply not caring about it.

Now cars aren’t everything, especially to women. We generally don’t need the car to shore up our self-esteem, or project our image out to the world. But… I felt out of alignment. I was the director of the Women’s Earning Institute, a money coach, and my damn radio had stopped working.

Replacing my car has simply been on the back burner. I’ve been very busy for several reasons. (Running a business, single parenting, buying and rehabbing a house and getting that divorce does take time….) Maybe that is why when the urge to buy a new car hit me, it hit with full force, a full blown hurricane of NEED-

I need a brand new, bright shiny car and I need it right now! And by god I deserve it! I work hard, and this is absurd. What kind of message is this sending? I hate my car…..I’m sick of this piece of shit. I don’t enjoy driving around in it, and the truth is that I do like driving and I enjoy cars. I’m sick of feeling so deprived…. And this is getting embarrassing!

The wail was almost deafening, especially after I dropped my son off at school that day.
Ah, but I have training in this type of thing- emotionally fueled spending that can really bite you in the butt. So I calmed down and asked myself: what is really important here? What is the need beneath this need? Do I really NEED a brand new car?

Well, the real need was a better car- a more reliable car that I felt safe in. And the want was a car that I enjoyed driving. I do love driving. (I would never drive an automatic because that’s no fun! So there’s a clue.)

Okay, so the next question I would ask a client is: Is there a more creative way to meet this need that won’t cause you undue financial stress, or won’t derail you from your financial goals?

God, I hate those irritating questions. I mean really. Was my inner money coach asking me what I could afford? Boring!

But I also noticed that while I had started to shop the car ads and was starting to regularly cruise www.autotrader.com, and had even gotten myself up to Lynnwood Honda on a brave day to “test drive” a new and a used car, I wasn’t really about to pull the trigger.

Why? Because I hadn’t completed my personal 2010 annual spending plan. My life is so different now than even a year ago. I have a new mortgage, my son has started a martial arts program with a monthly fee, and the dentist wants us to see the orthodontist. (Damn! That is my “wusband’s” fault- my son inherited his father’s lower teeth. Mine are perfect!)

Oh, and I have other wants next year too. It wouldn’t be very fun to have a brand new car and then not be able to afford any fun three day weekends cruising around the peninsula…

Sigh.

So last weekend I completed my annual spending plan to look at how much I want and need to spend in 2010 relative to what I am going to make. (That’s a whole different post. I’m still writing that one.)

And I came back to those irritating questions: Is there a more creative way to meet this need for a new car that doesn’t cause me undue stress or won’t derail me from my goals?
Yes. The answer was to buy a decent used car. Hmmm. But I want a new car!

Could I buy a brand new car? Yes. But at too high a cost. If this was a year in the future, I may feel different. But I am in the middle of a divorce and am still settling into my new house. I can’t change those facts. It will get easier. But why would I stress myself out by adding a high monthly payment to my life?

Ideally, I would pay cash for a new car. But that would mean emptying out my safety net. And my savings has already taken a huge hit with rehabbing my house. And if I have no safety net- my cash fund designed to catch me if I don’t bring in my paycheck (I am self employed, remember) or I’m hit with an expense so huge that my regular monthly savings habit can’t cover it– I won’t be able to sleep at night! Gulp!

In a year, maybe I could buy a brand new car for cash. But by then my car may start leaving parts behind it on the road. (Being a Toyota, it will never truly die. It will just continue its slow process of decay.)

So I wrestled my annual spending plan to the ground during a long boring football game (my beloved Seahawks suck this year) and came up with how much cash I could put down from my savings and what monthly payment I would be willing to make. I looked at the cost over the whole year and came to peace with a number.

Then I marched off to my bank to take out a small auto loan. After much debate with my nice banker Brad (they weren’t super thrilled with my debt to income ratio because my mortgage is brand new, but my credit score is very high and I don’t carry credit card debt) they gave me a $10,000 car loan. And of course I could pay it off early with no penalty. And since I do have some cash, I may not use all of the loan. (My inner money coach watched this all very carefully, noting how the monthly payment would fit into my monthly spending plan.)

So now it was time to find a car and negotiate the price…

And again- gulp!

I do like cars, but I don’t really know jack about the inside of them. Hmmm. The prospect of cruising car lots on my own was daunting, to say the least.

(Curious what happened? Here is part two.  It’s good!)

The Three Month Challenge: Stop Underbilling

Is this you? You put in ten long hours on a big project, but when it came time to bill the client, you felt weird about charging for all of your time, so you shaved some time off.

Sometimes it is because you felt you couldn’t charge them for all of your “learning” time and sometimes you worried that they would experience sticker shock, so you helped them avoid this pain.

(What a good girl thing for you to do. How nice for them.)

Or is this you? You charge by the hour, but you give time away that you don’t charge for. Sessions may run over time, but you rarely bill your clients for this. You don’t let yourself think about how that time adds up.

(Again, what a good girl thing to do. How nice.)

Why Don’t We Earn Enough Money?

I write a lot about pricing and how to set your fees. But it’s not all about the fee. I talk to some women who say they think their fees are set at the right level—but then admit they just don’t always bill for all of the time they give to clients….

Ask yourself this important question: Are YOU ever guilty of underbilling?

Underbilling is a potent form of underearning. When you bill for less time then you worked, that is underbilling. It is one reason why we don’t earn enough money.

But you are worth more! You deserve to charge for all your time, honest. Stop giving yourself away. You would not support a friend in giving herself away for free. Why do it to yourself? It is unkind.

Billing for all your time is an important form of self care.

But why do we underbill?

  • We may feel like we can’t charge a client for our “learning time”.
  • We’re not tracking all our time so we can’t bill for all of it. (Does this one hit home for you? Isn’t it interesting that you are not tracking all your time.)
  • We worry about our clients and inadvertently decide for them what they can and can’t afford.
  • We don’t feel like we are quite “enough”- so we want to give and give to justify our money
  • We are caught up in a perfectionist cycle and don’t ever feel like our work is quite perfect enough. So we discount it. (I hate to break it to you, but you’ll never be perfect. Sorry.)
  • We’re not sure exactly how much money we need to make, so our own money fog sits like a cloud on our invoicing and our business in general. (Call me if you’re in a money fog! I can get you out!)

The list goes on.  Was your reason on the list? If not, what is your reason?

Like everything, we need to name the problem first, and then decide on a new course. Awareness is huge.

Your Three Month Challenge
So here is my challenge to you: Make a resolution. Even if you aren’t sure that you can end your underbilling forever, resolve to end it for three months.

Charge for every minute and every hour that you put in, from right now, in January, to March 31st.

Call it the Three Month Challenge to Stop Underbilling. Go with the discomfort. Force yourself to do it. And notice what you notice.


TIME TO EARN MORE?

If you would like to earn what you’re truly worth and step into greater abundance, please see Mikelann’s Unlock Your Earning Power toolkit.   Identify what has been holding you back, learn the skills to ask for more and start earning at your true potential. For both self-employed and salaried women.


 

How can I justify my price?

Here is a common question I get from women who are wrestling with what they charge: “How can I justify my price?” But let me ask you a question- who are you justifying your price to? The truth is that there is only one person you have to justify your price to.

Yourself.

Coming up with a price is a combination of many factors such as what similar service providers charge and what the market will bear etc. And you don’t have to charge what everyone else charges.

You can also charge more than others if you can check off one or more of the following. Provided, that is, that YOU believe in your own prices.

  • You’ve got a lot of experience.
  • You’ve got a great relevant educational background- certifications etc.
  • You provide a specialized service.
  • You get results for your clients.
  • You are primarily driven by referrals

I share this list merely to help you “justify” your price to yourself. It’s to make you feel better about your fee. Because you don’t need every bullet point. You only need ONE. If you have a lot of experience, then rest easy about your price. If you’ve invested in your training, then you should charge good money and feel good about it. If you are brand new, but you get great results for your clients, then I also want you to feel great about what you charge.

Now I realize that you are not perfect, and it’s likely that your service is not perfect either. Getting caught up in the pursuit of perfectionism is a huge hang nail for good girl service providers. You’ll simply never attain perfection. And because we are not perfect, we fret about our fees. But tell me this:

Do you think that the results your clients gain are worth more than the cost of your service?

If the answer is yes, then rest easy.

So when you tell prospects what you charge and the type of results they may gain from your work, this is not about justifying your price. You are helping them make an educated decision. You are looking for a win-win. They will decide whatever they decide. You can’t control that. (Sorry.) If you feel good about your price, and stand firm, then people will self-select.

Ultimately, this is about convincing yourself. You are the only one you have to justify your price too. People will either take it or leave it. Not everyone will be able to afford you. And not everyone is a good client for you. (And some may not be a good fit for your service.) You simply want enough people to pay your fee, but you don’t need everyone to pay your fee.

The only person you have to justify your price to is yourself. If you feel good about your fee, then this will come across.

Try this: grab a piece of paper and list five benefits of working with you. How are people’s lives or businesses better as a result of your work or product? Then ask yourself, are these benefits worth more then what you charge? If the answer is yes, rest easy. You’ve justified your price—to yourself.


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Want more help transforming your relationship to money? Check out all the eBooks, audios, and more robust products Mikelann has created. Are you ready to break free of the “money fog” and step into earning what you are worth? Are you are ready to get in touch with your emotions so you never feel out of control around money again? Are you ready to love your financial life? Let Mikelann help you get there. Free items are at the top of the page.


 

How to create your needs and wants list

Well, the year is coming to a close. I’m beginning to think more and more about next year. (Anyone else ready to let go of this year?)  I am working on my 2010 personal annual spending plan. How much money am I planning on spending in 2010? Jeepers- there are a lot of things I need and want next year.  So before I started plugging numbers into my annual plan, I got a big cup of coffee and got out a blank sheet of paper.

I want you to get a blank sheet of paper too. Title it NEEDS AND WANTS

On the left side of this sheet I want you to write “2010 NEEDS” at the top. On the right side I want you to write “2010 WANTS”. Then I want you to dive in and brainstorm along three lines:

  • What is all the STUFF you need or want? (material items)
  • What are all the SERVICES you need or want?
  • What are all the EXPERIENCES you need or want?

Part of this exercise is simply writing down everything you need or want. Think about your home. Do you need or want new furniture? What would it take for you to love your home more? Think about your self care. How can you improve your self care?

Put down how much each item would cost. Guess where you have to.

The other part of this exercise is deciding what is a “need” and what is a “want”. This is different for all of us, but the exercise of actually having to write something down on one side or the other is powerful.

For example, on my list I wrote down “secretary desk” on my wants side. But after thinking about it, I realized I needed it. In my new house I have no where to put all the damn paper that comes in. (I’m still getting settled.) I’ve had to stash the mail in the linen closet when company comes over! So I’ve got to get some systems in place quick. The bakers rack is more of a want. I want laser hair removal. I want to get a tree removed from my front yard. On second thought, given its leaning nature, maybe that is a need.

I’ve gone back to my needs and wants list three different times now. Each time I refine it and add to it. Sometimes I move a need to a want or vice versa. I dream about things. I want, for example, another bedroom on my house. That may not happen in 2010, but it doesn’t change the fact that I want it!

Take some time and really play with this. This exercise is deceptively simple. But when you open up to what you truly need and want, and look at how much it costs, it is one more connection to looking at the money we earn. I’ve had many clients use this exercise as an incentive to raise their fees or launch a new income stream.  It also helps you prioritize how you really want to spend your money.

Dream. And share with us—what did YOU put on your needs or wants list?

What do you need to start or stop doing to earn your worth?

In my own personal Mastermind group last week, I sat around a large table with other business owners and contemplated 2009. Yikes. What a year. Some of us had a very hard year and some of us were doing okay. Personally, I’m eager to jump into 2010 and start planning it. But my group forced me to reflect for a moment (for an hour!) on 2009. I had to answer questions like, “What was my biggest achievement in 2009 in business and/or my personal life?” And “What was my biggest disappointment in 2009 in my business and/or personal life?”

How would you answer those questions?

Hmmm. Well, it feels like this year has been a very “interior” year for me. My biggest achievement was buying my house. My biggest disappointment was that I didn’t teach some classes I wanted to. The truth is that I’ve been focused on the home front and my new single life.  Big changes, to be sure. It’s been a crazy money year too. Some income streams were down and some were up.

What do you notice about 2009? What did you achieve? Focus on that for a moment!

Here are five more questions for you. (I adapted these from my Vistage/ Mastermind group.) Read them and share how you would respond:

  1. What is one thing that if you STOPPED doing, would help you earn what you’re really worth?
  2. What is one thing that if you STARTED doing, would help you earn what you’re really worth?
  3. What is working that you want to continue doing next year?
  4. What isn’t working?
  5. What are your self-limiting beliefs that prevent you from earning more money? (Yes, I know, that’s a big one.)

I know they’re all big questions.

Regardless of how you answer them (and I’m curious to read your answers!) it’s important to stop and think about this year. What is working and what isn’t? If you can’t name what isn’t working, you can’t shift it.

One year, in answering these questions, I reflected on the fact that I didn’t have enough time to work ON my business. You know- time without clients. I felt scattered and I felt behind. If I STOPPED being so scattered, maybe I could actually find the time to blog and market. What I decided to START doing is to devote one day a week to working ON my business and not see any clients that day. My Mondays were born.

I haven’t seen clients on Mondays in five years. That is my day to read, write, prep, market, and catch up. Sure I do some of that on other days too. But now, I actually look forward to Mondays!

Bonus: I don’t work on the weekends. I know I have Mondays to prep.

So what about you? What are your reflections for 2009? What worked and what didn’t? What are you going to start or stop doing so you can move into 2010 and really earn what you’re truly worth?

Get out a piece of paper or open a new file and write out your own answers. Have a good cup of tea and really think about this. Then jump back on my blog and share some of your answers.

How to “Practice the Pause” 4 min video

I recorded this four minute video to teach you a super powerful– but very simple– technique. I call it “Practicing the Pause”. Use it to protect your time and make more money. When people ask you for your time, “practice the pause”. When you are tempted to discount or undersell yourself in the moment, “practice the pause”. And tell me how it works for you!


TIME TO EARN MORE?

If you would like to earn what you’re truly worth and step into greater abundance, please see Mikelann’s Unlock Your Earning Power toolkit.   Identify what has been holding you back, learn the skills to ask for more and start earning at your true potential. For both self-employed and salaried women.