All posts by SeattleMoneyCoach

Please charge me more money!

Underearning 101

Letter to service providers: Please charge me more money!

Okay, here is a really crazy post. I may even secretly hope certain people don’t see it! But… I get really nervous when my service providers don’t charge me enough money. Why? Because I know it can’t be sustained. Because I know that my service provider is walking the long and bleak road to self-deprivation, depletion and resentment. While other customers may deceive themselves into thinking they are getting a good deal when their massage therapist charges them an outrageously low amount, I wonder to myself, “How does she live on what she makes?” And I know she can’t stay in business over the long run.

Charging appropriately coveys confidence. Confidence is attractive! It tells me that you believe you are good at what you do. I work hard, and when I see a service provider, I want to relax and trust that they can deliver their service competently. Let me rest in your capable hands.

Besides, if you don’t charge me enough money, I may doubt that you can really help me. You don’t want me thinking, “I hope this isn’t a case where ‘you get what you pay for.’” Low fees tell me you must be brand new or you must not be very good. To be fair, this is not always conscious on my part. I’m only human. (Although I do assume expensive cheese and wine must somehow be better. High prices do convey that message, whether or not it is true.)

But the biggest reason I want you to charge me more money is because I know what other people don’t always realize. If you don’t charge me more money, you will disappear. And that would be a huge bummer for me. Like most women, I use a fair amount of service providers and I build relationships with them. I don’t see people I don’t like and trust. I like my hair dresser, my chiropractor, my therapist, and my waxer. In my business I have relationships with my virtual assistant, my editor, and my web developer. The list goes on and on! If they don’t make enough money, they’ll go out of business. Then what will I do?

If you don’t charge me, and everyone else, more money, will you make enough to continue being a business owner? Are you really charging me enough to pay all your business expenses and then pay yourself enough money to live on? And are you really living or are you merely surviving? If you don’t have enough money, you will become resentful, depleted and depressed. This will spill over into your work. And eventually, you will simply have to close the doors and do something else.

I don’t want to lose you. So PLEASE make sure you charge me enough money.

When a biz should stay a hobby- Lessons from my ten year old

Practical Money Path

My fifth grade son started a business. He didn’t ask me about it. He just did it. He’s a Lego kid and loves to customize his little Lego mini-figures with paint and stickers etc.  So one day he announced he was going to sell his customized Lego figures at school. I said very little, deciding to stand back and watch how this would unfold. He asked me to drop him off at school early so he could show them off to his school mates. He said he needed to do this several days in row because he knew the kids wouldn’t have enough money with them and he needed to get them excited about his “product” so they would bring their allowances the next day.

He faced a few obstacles. He had to hide this endeavor from his teacher and do it strictly on his own time or she would confiscate his “toys”. (She’s already holding several of his Legos ransom in her desk as somehow they appeared during math time. He’s been trying to figure out how to get them back from her so he can turn around and sell them!)

I love his fearlessness about this endeavor. He’s a very practical kid. As a girl, I would have felt bad for breaking the rules and getting caught. When my toys got confiscated once during class, my internal good girl syndrome reared its head and I felt awful. I worked hard to be the perfect student for quite a while. He’s just irritated that she’s got his “products” in her desk!

On the second day of this project he brought home five dollars. I was shocked! He actually made his first sale! On the third day he brought home a twenty dollar check from a kid in his class. What?! Upon closer inspection, I could tell the check had been made out to the cafeteria lady for this kid’s hot lunches. The child had scratched out the lunch lady’s information and written my son’s name on top of it. Uh-oh. I had to break the news to my son that he had received a bad check. And joy of joys, I had to call this other parent. I knew I’d want a parent to call me if the situation were reversed, but still, it was awkward.  (“I’m holding a check you wrote that your son gave to my son…!” Not fun.)

My son’s reaction? He was mad at the kid and wanted to make sure he got his money or the Legos back! I think girls would be more worried about the friendship/ relationship impact. (This issue is still pending in court.)

The grand experiment came to an end last week when we had a frank discussion about profit. He needed to buy more Clone Trooper Legos at Toys R Us, to customize. The problem—they are expensive! He wasn’t charging enough money to buy more mini-figures. After more debate, he decided to raise his prices to cover this, but found that the kids just wouldn’t pay the new prices.

I love his perseverance. Just because the first business idea didn’t work out, doesn’t mean the next one won’t. I’ve had some whopping failures. If you never fail, you’re not taking enough risks!

Several lessons came out of this, but the obvious lesson (besides 10-year-olds shouldn’t take checks) is that you can’t run a business, no matter how much you love it, without turning a profit.  Just because you love doing something doesn’t mean it can become a viable business. There are many things my son loves. He is now debating which will yield him more money. (He wants more money to buy himself more Legos. It seems he finds his allowance insufficient.)

I realize that everyone has heard “Do what you love and the money will follow”. Actually, it should say, “Make money doing something you love.” There are many things I love. So far, no one is paying me to scrapbook. Some things should stay as a hobby. I guess I’ll stick to money coaching, which I do love.

But I do take checks, by the way.

Buying a racy gift in real time

Practical Money Path

My little sister is getting married in November and we are in high wedding gear. As the sister of the bride, there is plenty to keep me busy. It’s fun, and daunting too. Luckily, my sister is a born planner and has it all under control.

She’s had two bridal showers—one for the family and one for close friends. I bought a “safe” bridal shower gift for the first one. For her second shower, I found myself wandering through the Love Pantry, looking for something a bit more… well, you know.  Let’s just say that I found something that crosses the Kama Sutra with a deck of cards… oh- and edible body frosting… Yum.

Now why do I share this with you? Well, in my practice of “radical financial clarity”, I was sitting down the day after her second shower working on my money. It was only the second week of October. But goodness, the month is adding up quickly. What can I say—I spent more than I intended, AND I have no regrets.

“Radical financial clarity” means, among other things, to get in REAL TIME  with your money. Many people look at their money after it is all spent. They sit down and analyze their credit card statements or they look at on-line banking and see where all the money went last month. While this can be helpful, sometimes it is depressing. (“Oh, look how much I spent… wow.”) The money is already gone!

Being in real time means knowing where your money is going right now and having a flexible plan based on what is happening. Believe it or not, I always know how much money I am going to have at the end of the month. How? I create a spending plan for each month and then I begin to adjust it once the month is under way. This I what I teach my clients to do.

For example, when I sat down over the weekend and looked at where I was in October, at first I was frustrated. I spent more than I intended to on the bridal shower gifts. But I wouldn’t change it. Then I realized I had to make another adjustment for how much my bride’s maid dress alteration was going to cost me. (Yeah, yeah, I’m sure I’ll wear it again with more alterations…)  Oh—and my car’s rear window defrost isn’t working. Lovely. But I have a method of looking at this in REAL TIME and making on-the-fly adjustments.

The bottom line is that I decided to wait on ordering the rest of my window blinds for my kitchen until November. I also called a friend and said “let’s eat dinner at my house before we hit the play next week”. She was thrilled!

Practicing radical financial clarity does take time. I spend about five minutes a day on my money, simply tracking what is happening. Once a week I really look and think about it. Given how much I work for my money, though, what is five minutes? I do find it strange that some people work 40 to 60 hours a week for money and then say they don’t have any time to manage it.  Are you guilty of this?

Learning to spend time on your money is one of the biggest lessons I impart to my clients. As a money coach, I work with professional women who want to heal their relationship to money. I teach them how to escape the clutches of the money fog and feel more in control of their finances. Sounds wonderful right? Yes, it is. It’s truly amazing work.

But here is the catch. My clients, just like me, have to spend time on their money. It’s not just what they do with me in session—my clients learn how to stay on top of their money in-between and after our sessions. In the beginning, I am right in there with them, looking at accounts, talking about how they track, helping them plan, and providing an accountability element to their actions. Over time, we move to a higher and deeper level with their finances. But one of the first things they learn is that they must spend time on their finances.  The payoff is less financial stress, more peace and a feeling of being in control of your life.

I’m as busy as anyone out there. Yet I can find five minutes a day to pay attention to my money. After all, I just worked eight hours to acquire some of it! What’s five minutes to look at it? You can do this too.

Learning to manage money is not about learning to be perfect with all your money choices. We’re all doing the best we can. And we can’t predict everything that happens. When you find the perfect Kama Sutra bridal shower gift, buy it! But knowing that you have a way of balancing out the rest of the month is a beautiful thing indeed. Less stress and more satisfaction is the name of the game.

(If you read this and don’t know what to do with your “money management” time, you are NOT alone. Many professionals don’t know how to “manage” their daily/ monthly money. Just know that help is available.  I’m on the faculty of the Financial Recovery Counseling Institute, so in addition to my own money coaching private practice I train new money coaches throughout the world. If I’m not the money coach for you, I can find someone who is.)

© 2009 Mikelann Valterra

Mikelann Interviewed on Marc Pearlman’s Your Money Matters!

Underearning 101

Marc Pearlman, host of Your Money Matters Radio, interviewed me for his radio show this week. So click here to listen to a thought provoking one hour show on Underearning– what it is and how to fix it. It was interesting having a man interview me on this topic. Marc is a money manager and brought up various aspects that apply to both men and women. We discussed the common ways people underearn– including the active and passive aspects of underearning. We also dove into pricing, the boom-bust nature of underearners, how to get out of the money fog and conquer underearning, and various psychological aspects that cause underearning. I also shared my own story of my personal internal income ceiling. (The recording is  also available 24/7 on Apple iTunes Radio Talk, so search for Your Money Matters Radio, Marc Pearlman and Mikelann Valterra, if I’m no longer the current show listed on the website.)  What are YOUR thoughts? http://www.yourmoneymattersradio.com/

http://www.yourmoneymattersradio.com/

Rock the boat or accept what you’re given?

Underearning 101

Check out this article in the Sacramento Bee— Do women undercut their financial future? Claudia Beck interviewed me on my view on underearning. As always, this is a sensitive issue. Of course there is outside discrimination and reasons why women may earn less than men—reasons beyond their control.  But “underearning “is about the role that we play in this.

Here is a small excerpt:

Despite the strides women have made in the workplace in the last 30 years, Valterra believes they still carry around a lot of emotional baggage attached to money. “We don’t want to be pushy, we don’t want to rock the boat. … In 2009, that hasn’t changed in female DNA.”
In her view, women need to worry less, speak up more and become skilled at negotiating their salary.

Check out the comments on the article. I touched a nerve and had to add my own comment. Of course I don’t think money is more important than people! Good grief! As I said in my comment after the article, the point of talking about underearning is NOT to make people feel bad—we are all doing the best we can do. It is simply to raise awareness that we need to stick up for ourselves and make sure we earn the money that we deserve to earn.

Money is not the key to life. But if you make enough money (which is completely relative) you have one less thing to stress about.  I know that many women are very stressed about money right now (and men too!) But if we attend to our own earning issues, we will have less stress over our lifetimes. As uncomfortable as this issue is, let’s keep talking about it. (And by the way, men are still more likely than women to negotiation their salary, even in a recession.)

Pricing—Are you charging for your past?

Emotional Money Path, Practical Money Path

On Friday I took my ten year old son in for a doctor’s visit. It’s a very busy office. As we were walking down the hallway, he asked me, “Mom, how much does this cost?” I replied without really thinking, “Oh- probably about a hundred dollars.” (Thankfully I do have insurance!) To which he fairly yelled:

“This costs a HUNDRED BUCKS? NO WAY!!”

And of course all the heads turned our way as our nurse quickly hustled us into our little room for our 15 minute visit.

I then proceeded to tell my son that the doctor had gone to medical school and paid a lot for her education, putting in many years. And that hundred dollars also helped pay the nurses. And the building had to pay rent and buy all those supplies. Of course by this time he was engrossed in examining the medical equipment pinned to the wall.

But since I still have YOUR attention, let’s think about us—do we charge enough money to really cover all our costs, including all the time, energy and money we’ve put into becoming who we are?

When you think about pricing, you may be overly fixated on charging for your time. Of course you need to charge enough for that hour of your life that you just gave to someone. And you also need to charge enough to cover all your other costs such as your web development and paying your assistant.

You need to charge enough to cover your prep time as well. It’s not just about your face-to-face time with clients. I get into my office at 8am and pull all my client files for that day. As a money coach, I have a lot of interesting and engaging clients. I remind myself where we were last time and I formulate a game plan for our upcoming session (knowing that any game plan may get thrown out the window depending on what they bring in with them!)  This takes time. And good coffee.

But pricing correctly goes beyond this. I have years of experience. Some of this is as a money coach and some of it is in related fields. At this point, I rarely come across something that I haven’t seen before, and I draw on this past experience. It’s not just book knowledge. Sometimes I go with my gut in deciding when it’s time to broach certain subjects such as someone’s past money history or what is really going on with their spending. The hour they spend with me is built on many years that came before that hour.

What about you? You are the sum of your experience and I know that you bring this experience to bear in your work, as you should.

Havi Brooks writes a fabulous blog called The Fluent Self—and she just wrote a really great post on pricing called Coming Up with Prices. Wanted: Ninjas.  She talks about many ingredients that should go into pricing such as all the invisible time that goes into your work like your prep time and all your really invisible work and time that goes into what she lovingly calls “administrative crap”.  (Havi- I have to agree with you on this one. Thank goodness we both have great assistants!)

And she talks about charging for your “invisible past time”.

That hour of service you’re giving isn’t just that hour.
It’s everything that has come together in your life to make you the person you are.
It’s all of your acquired wisdom. All of your experience. All of your insight. All of the abilities and qualities you’ve been developing in a lifetime of being you.

I couldn’t agree more.

Let go of being perfect. Stop living in fear of not being able to answer a client’s question. You’ll never know it all. You’ll never be perfect. But you are still worth charging a lot of money. You have a lot of wisdom, experience and insight that comes from your past. This is huge. Do you use these things to help your clients get the results they want? Of course!

So ask yourself: Are the results your clients get worth more than what they are paying you? If the answer is yes, than stop doubting yourself. And raise your fees 10% right now.  Because it’s about more than that hour. You have a whole lifetime that has brought you here.

Claim all of who you are. This is worth a lot.

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.

 

A Tale of Buying the Perfect Curtains—and the pain and pleasure of shopping

Emotional Money Path

There I was, in Bed, Bath & Beyond, contemplating using a credit card. Horrors!

I am, first and foremost, a money coach. And as such, I’ve spent ten years working with people on their relationship to money—needless to say; this is a complicated and emotional relationship! And one of the most emotional aspects is in how we spend. (Remember, it doesn’t matter how much you earn if you spend it all!)

This is explored in the hot new field of neuroeconomics—the merging of neuroscience and economics. Wait! This IS really fascinating! Keep reading! This field studies WHY we buy. @amandasteinberg of www.dailyworth.com turned me on to a great article called Your Brain on Shopping, which explores this inner battle between our pleasure and pain centers. (I’ll get back to Bed, Bath & Beyond in a moment.)

It goes like this—as you know, we are all motivated by pain and pleasure. These really are our two base motivations. So when we shop, there is a war between the pleasure of acquisition and the pain of paying for our pleasure. We want the fabulous new couch table in distressed red-painted wood, but we don’t want the pain of paying $459 for it. Ouch! (Can you tell this is a personal example? Surly you all know by now I just bought a house!)

Truly, our brain battles this out at an almost unconscious level. And retailers know this battle very well. For example, they know that if they can stimulate your pleasure centers in general by giving you free food samples, you will move more fully into that part of your brain and seek even more pleasure—pleasure from buying. From this perspective, pleasure can act almost like a drug. You experience pleasure and then you want more pleasure. Rest assured, this is very human.

And we all know one thing: pain sucks. Pain is to be avoided. One of the best ways we’ve come up with to avoid pain is to use a credit card. If you use a credit card, you are delaying the pain of paying. There! Now you can buy the perfect couch table and not have to pay for it right now.

I’ve read countless studies over the years that all document how much more people spend when they use a credit card. In the Your Brain on Shopping article, they also document this.

Check it out:

In a 2001 study, two professors at MIT’s Sloan School of Management held an auction for tickets to a sold-out Celtics game, and divided subjects into those who must pay cash within 24 hours and those who must pay with credit cards. The credit-card buyers were willing to bid on average up to twice as much as the cash buyers, they found.

Wow. TWICE as much. It is sooo true.

Now, I’ve been a money coach for over a decade and I’ve helped countless people get out of credit card debt. But it usually comes down to unhooking them from using credit cards in general. (Once you have no credit card debt, it is possible to use credit cards wisely, but for many people, this is not possible even then. Don’t kid yourself.)

I don’t like to use credit cards. I simply pay as I go. I have a lovely spending plan that has guided me to greater and greater heights in my life—increasing my earnings and making many things possible. I truly loath credit card debt.

And yet…. I just bought this house. I am hemorrhaging money. Was it all planned? Yes. Well, okay, there were some unplanned things that happened. I didn’t anticipate the kitchen plumbing project, for one thing. And all the new light fixtures.

And curtains. I have to buy curtains for every single freaking window in this house. Good curtains, since I can’t upgrade my windows until next year. So I’ve been buying curtains, trying them out for color, and returning them, for nearly a month—looking for the perfect curtains. And I put these purchases…. on a credit card. My rationale was that I was buying and returning them constantly.

On Saturday I was at Bed, Bath & Beyond, looking at their curtains. And I realized with a jolt that I had fallen into a typical problem. Their curtains were much cheaper than what I had been purchasing at another store. Why hadn’t I looked around more? Why had I simply bought curtains at this other store? Why? Because I put them on a credit card. I swear—if I had put those other curtains on my debit card, I would have thought deeper about how much their curtains cost….

And while we’re on the subject of Bed, Bath and Beyond, let me share this—In this article on brain and shopping, George Loewenstein, (professor of economics and psychology at Carnegie Mellon University) shares several tips. One is to keep moving and not buy too much in one store. Why? Because you may experience what he calls “decreasing sensitivity to losses.” He says “Especially if you’ve spent a large amount, say $100, at a store, you don’t want to start buying a bunch of small stuff, because it will start feeling free. If you go to another store, it won’t feel free.”

So there I was, at Bed, Bath & Beyond, cruising the aisles. (Danger, Will Robinson!) I had just put in my cart a $100 electric hand broom—think of a dust buster with a large handle so you can sweep your floor without using a broom and a dustpan. Oh, I wanted it! A hundred bucks. Then I looked down at my cart and saw three small baskets, a set of hooks, a curtain tie back, and the perfect spice rack. Hmmm. They seemed like such small purchases next to the dust buster. And I really wanted that dust buster!

For a moment, a small part of my brain said the word “credit card”. Amazing! Me! I don’t even like the damn things! Well, except I’ve had that curtain experiment going on…. So I sat there and calculated the cost, knowing it would come out of my bank account almost as soon as I went through their checkout line. Oh the pleasure of those goodies. Oh the pain of paying for them.

The baskets went back, and the cute closet hooks.

I left the store and immediately bought a huge yummy latte—my pleasure center demanded it.

The lesson in all of this? Yes, we really do spend more when we use our credit cards, so don’t use them. I know people go on and on about free airline miles and better security with a credit card, but study after study tells me that they are evil. (And only 20% of Americans use their credit cards and pay them off in full each month. So if you are in that 20%, good for you. But please realize that you are in a minority of the population. Don’t advocate this practice in general. It’s very dangerous for most people.)

And spending is emotional. Don’t pretend it isn’t. The best way to get in touch with your pleasure and your pain is to pay as you go and use your debit card.

(I returned the expensive curtains and put them back on that credit card. A zero balance is a beautiful thing.)

You Are NOT on Sale

Emotional Money Path

This is from Cristina Adams, editor,  Daily Worth blog. Write this on a 3×5 card and post it to your mirror!

You’re Not on Sale
You are not Filene’s Basement.
Nor are you a 60% off end-of-season sale.
So don’t offer your skills and services at bargain-basement prices.
Do the research and find out what you’re really worth.
Then ask for it.
And don’t settle for less.

Repeat this over and over!

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.

 

Uncover what you really believe about money

Emotional Money Path

Sometimes it feels like we work so hard to make money—and then we subtly sabotage ourselves. Maybe we overspend, or we just don’t make enough in the first place– our work efforts become inconsistent, or we just drop the ball on something. And then we blame ourselves! So what is this really about? Why would we do anything that didn’t completely support our desire to have and keep more money in our lives? After all, we’re working hard!

Well…. It’s likely linked to an unconscious money belief. What you believe about money—deep down—affects your behavior. What you experienced as a child around money informed your earliest beliefs about finance.

If, for example, you grew up hearing your parents fight about money, you likely connected money to pain and conflict. You developed an early belief that money can harm relationships. As an adult, you may think many wonderful things about money. But if a part of you still believes that money can cause pain (it made mom cry), you will likely sabotage your efforts at making money, at some point.

Most of us were raised by parents who did the best they could in their individual circumstances. This isn’t about blame. It’s about trying to figure out what our buried beliefs about money really are—where did they come from and how do they affect us?

Here are some questions to ponder and journal on:

How was money handled in your family? Was there enough money? Did your parents fight about money or was it handled in secret? Did your family have any sayings about money? (For example, “Money doesn’t grow on trees, you know!”) Did your parents model different things than they actually said? If you had to guess, what would they (the people who raised you) say the “point” of money was? Was money for luxuries and spending, or only for necessities? Was it okay to spend money on yourself, or only on other people?

Remember, the biggest battle is to figure out what you believe about money in the first place. You can’t shift what you believe if you don’t know what you believe.

Laura’s Story

Laura grew up poor—very poor. As a little girl, she has vivid memories of her parents fighting about money. One time she remembers hiding in a closet and listening to her mother cry while her father screamed about not being able to buy a better car after their car broke down (again). She learned quickly to “disappear” when her parents talked about money or paid the bills.

When she was eleven, her mom gave her twenty dollars to go to the corner grocery store and buy some groceries. Laura agonized over the few purchases, trying to make the money go as far as possible. When she returned with her purchases, she felt proud and grown up. But when her mother unloaded the grocery bag, her mom became upset at how little Laura had purchased and how much money Laura had spent on the bread. Sick inside, Laura vowed to do better next time.

As an adult looking back on these experiences, she realized she had many money messages that wreaked havoc in her life. For one, she believed that money did cause pain, as she had seen it upset her parents. As an adult, she hid from money, keeping it as far from her as possible. Of course she had never thought about this. She didn’t mean to keep money away from herself! But just thinking about it brought up old feelings. And she also realized that one of her money messages was that it was best to get by on as little as possible. Keep your needs small so they are easier to satisfy. Laura also realized that deep down, she didn’t feel she could be trusted with money.

As Laura wrote and processed her money history, she began to make many connections as to how she handles money as an adult. And she began to see how it fueled her underearning. She wondered if one of the reasons she didn’t make more was because she didn’t trust herself with money—and besides, she kept her needs so small that she didn’t need to make a lot of money….

What do YOU believe?

So what do you believe? Do you believe it is possible to be “good” with money? Do you believe there truly is enough money and that you deserve to have money? If your parents did not give you these beliefs, it is still possible to believe and experience this. But you have to be more conscious about it. Be clear about what messages you inherited. It’s not possible to change what you believe until you get clear on your money beliefs in the first place. From there, a whole new world opens up where you get to consciously decide what you believe and how you want to live. I believe that the more conscious you are about your money beliefs—both the old beliefs you are ready to let go of, and the new beliefs you want to embrace, the more abundance you can allow into your life.

Want more?

In September I am offering a four week class on writing your personal money autobiography. We will uncover your money beliefs so you can shift your relationship to money. This class is amazing. If you like journaling and are ready to dig down and see what you really believe, so you can earn more with ease, join me. If you register before September 1st, you may register for $149. I’ve limited this class to 15 women so we have time to really share our money stories and get clear on our core money beliefs. If you are ready to take your relationship to money to the next level, this is the way to do it. http://www.womenearning.com/writing-your-personal-money-autobiography-teleclass/

4 week teleclass- Write your personal money autobiography

Emotional Money Path

People ask me all the time how they can change what they believe about money. The problem is that many of us don’t know everything we believe. And this makes it a lot harder to change your belief system! I want you to have more abundance. So the first step to working on your abundance mindset is to clear out old beliefs.

Deep down, what do you really believe about money? Do your half-buried beliefs affect your ability to handle money gracefully and earn money with ease? Are you frustrated by your underearning yet can’t figure out how to earn more? If any of these questions ring true for you, it’s highly possible you’ve got old hidden or conflicting beliefs about money wreaking havoc with the “adult” you. Join me for this four-week teleclass, Sept 10 – Oct 1st, where I show you the steps to break free!

During this teleclass, you will:

* Uncover and understand the impact of your financial history on your financial behavior.
* Discover key moments and important patterns in your financial life.
* Gain clarity, and adopt a more balanced, authentic approach to money.
* Share your own money stories with other women who are also dedicated to exploring their beliefs

This class will help you uncover the underlying motivation of your money behaviors and gain clarity in regard to your wants and needs, putting an end to chaotic, unnecessary spending—as well as open up to earning more. And, it will end the worry and frustration that can come from self-defeating money behaviors so you can enjoy a more balanced and abundant financial life.

If you’re ready to gain more clarity, financial balance and abundance, and truly uncover what limiting beliefs are holding you back, join me for this teleseminar series September 10- October 1st. I limited this to 15 women, so grab your spot soon!!! ($149 if you register before September 1st.) Click for more info. When you register, I will send you your very own money autobiography to begin working with.
http://www.womenearning.com/writing-your-personal-money-autobiography-teleclass/