MoneyMinding Monitor

Simplify and complete and the rewards of giant check marks on the seemingly endless list of to-do’s.

I’m sooooo grateful for the support of my amazing husband with this project because for years – yes years - there has been a task allocated to administration that has been cluttering up my peace of mind. Tonight we sat down and looked at how long it would take to complete and what exactly was involved so we could get the help necessary to get the job done. Well, several hours later, we had enjoyed some quality time together including some nice chardonnay and the result is that a huge volume of material that has been sitting in mVillage (the MoneyMinding Membership community) that wasn’t easily searchable now is! This is still just the beginning of information that is currently available, just not picked up by the ‘search’ function. Well, for mVillage members, you can select your financial area of interest in the ‘search bar’ and all this content and waaaaay more is summarized for you.

In one evening we were able to enjoy quality time together AND provide huge value to our subscribers. If you’re currently an mVillage member, then I encourage you to enjoy the ease of use you now have in accessing this valuable information. And, if you’re not already a member, then the easiest way to get started is with The Death by Money Report available at www.deathbymoney.com. When you order the report you receive 30 days of unlimited mVillage access that is normally $19 a month.

You can access this information easier now AND you can ask questions and comment on the information with your anonymous login! That means you don’t have to be intimidated by asking a question you think maybe you already should know the answer to. Remember the only bad question is the one not asked! Enjoy! And, hopefully some of this will also help you create some giant ‘check marks’ in your life as well as help you get financial results you didn’t know were possible!

Uncovering Potentially Misleading Financial Advice - Overview
IMMEDIATE RELIEF FOR FINANCIAL STRESS
HEALTHY ECONOMICS
THE SIMPLE WAY TO INCREASE YOUR RETURN
Solving the Mysterious Case of Illusive Income
WHY GETTING OUT OF DEBT IS NOT ENOUGH
KEY STEPS IN PREPARING FOR RETIREMENT
Why We Need to Love Insurance
Who’s Fault is it Anyways?
Owning Your First Home
Managing Conflict of Interest in Financial Services
Narrow-minded View of Financial Literacy will Create More Problems than Solution
Is Lack of Financial Education Costing You?
Regulate or Educate?
The Real Reason “Not Spending” Doesn’t Work
What to Do When You Don’t Know What to Do?
Why Cutting Back Your Spending Will Lead to Failure
Confessions of a Shopaholic: Reviews Miss the Opportunity
Misconceptions About Multi-Millionaires and Their Money
Obama’s Paradigm Shift Won’t come from Old Teaching
Reasoned Responses to Radical Money Situations
What is ‘Risk Tolerance’ Really?
The Richness of Giving
Are You Up or Down?
When Conventional Advice on Money Won’t Do
Financial Turmoil ~ Doing the Right Thing for You
Navigating the Early Days of Credit
How to Turn Money Worry into Success
What Will You Splurge On?
Money - Taboo Topic or Compelling Conversation?
The Many Meanings of D.E.B.T.
The Enjoyable Road to Debt Freedom
Money Management is More than
The Entitlement Epidemic: Eroding Our Financial Future
Saving Money Will Keep You Broke
Buying A Car: A Personal Story of Lessons Learned
3 Simple Principles of Financial Decision Making
How to Get Out of Debt and Save Money at the Same Time
How to Stay Calm When Your Money is at Stake
5 Simple Changes You Should Make to Your Money Priorities
The Missing Piece in Financial Planning for Advisors
The Missing Piece in Financial Planning for Clients
What is Your Professional Title?
Treasure Hunting
Your Clients’ Financial Comfort Zone
Accepting Financial Advice
A Built In Negative Return: Secure Investments?
A Guaranteed Investment
How to Save for Retirement While Still Enjoying Today
A New Definition of Retirement
Financial Advisor or Scam Artist?
Grandma’s Lessons in Financial Management
How Are Your Spending Habits?
How Giving Has Blessed Our Life
How to Build, Manage, Maintain Wealth
How to Buy Your Dream Home
How to Make Financial Decisions
How to Retire When You Want with the Money You Want
Lucky Financial Planning
My Portfolio is Down - What Now?
No More Restricted Spending
Special Financial Strategies for the Younger Generation
The Lure of Low Interest Rates
Treat Yourself to a $1000 Spending Spree
What is the Price of your Lifestyle
What Really Happens When Rates Go Up?
What Type of Life Insurance is the Best?
Who’s Minding Your Money?
Is Insurance an Investment or Expense?
Confirming What You Understand

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Are you Dead of Alive with Money?

There is no doubt that with, or without money, it’s a topic that causes uncertainty today. In many cases, money anxiety can lead to divorce, illness, investment loss, business failure, family turmoil, and a life unlived! The solution to financial issues, however, is a paradigm shift away from conventional wisdom that promotes ‘spend less than you earn, get out of debt and, save more for retirement’. This is outdated information that is actually fuelling the problems!

My newest resource called The Death by Money Report, the causes of money stress and how a $10 solution can save your financial life is available online and I want to make sure you have access to it right away. This timely information will challenge your thinking about money, yet provide immediately simple and helpful insights that anyone can implement into their life today – regardless of their current financial situation.

The Death by Money Report presents a powerful argument that introduces a whole new way of thinking about your finances in a way that creates opportunities to earn income that you didn’t know existed. The report also provides an action plan for the practical application in the real-world for the concepts it introduces. This isn’t just theory, this is about making positive steps that have the ability to change your situation (whatever that might be) right away!

To learn more about the report and the causes of money stress and how a $10 solution can solve debt and retirement issues by spending, not saving visit www.deathbymoney.com. It’s well worth your $10 investment for the purchase.

To your success,
Tracy

PS – For a limited time only during this initial launch, when you purchase The Death by Money Report, you will also receive a special report on finding and working with Financial Professionals. This is an additional $10 value, included free with your report to help you work efficiently and effectively with financial professionals who share your values for earning, and managing your money. It’s available when you order from www.deathbymoney.com.

PPS – If you want to be part of a movement that helps others experience financial independence in a fresh new way, please share this message with others and ‘like’ it online. Young, old, rich and poor, we all benefit when money is working for us, not the other way around!

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Why Getting Out of Debt Can Sabotage Your Financial Success

Contrary to conventional wisdom, financial freedom doesn’t happen when you have no debt. In fact, the road to debt freedom and the process of maintaining it will actually halt your progress. That’s not to say that you should run out and rack up your credit cards and abandon your debt – that’s just irresponsible. It’s to say that the missing key to financial success; to reducing financial uncertainty; to experiencing financial peace – doesn’t happen when you have no debt.

When you have access to credit you have access to an incredibly powerful wealth building tool. If you use it incorrectly, you don’t get the results you’re looking for. When you appreciate it for what it can do, and you take the time to know how to use it effectively, you can experience its full potential in ways you didn’t previously know existed or were too fearful to act on.

The problem is that this powerful tool called credit has been provided easily without adequate instructions. Sure, there are the basic operations such as how to make purchases and payments, and what the interest charges are and the consequences of not making payments. These are the just the basics. Unfortunately because the more advanced operational instructions haven’t been taught, or have been misused, we have millions of people using the tool who don’t even know that they don’t know that there are better ways of using what they already have.

Think about it. Do wealthy billionaire tycoons like Donald Trump make financial decisions about how to pay off the mortgages on their skyscrapers? Not likely. They have learned to use credit to acquire an asset that creates income which pays for the expenses of the building as well as the credit that was used to make the purchase in the first place.

The bigger problem we have with this focus on getting out of debt is that far too many people have been given access to credit and have used it to acquire the lifestyle they want, rather than using it to earn that lifestyle. They know how to work for a living and how to access credit, but then they listen to scarcity minded teachers who haven’t fully grasped the concept of how our economy operates. For some strange reason, many people seem to think that by taking money out of the economy by stopping spending so they can get rid of debt that they have been told is ‘bad’ that somehow they’re going to be able to live happily ever after. This is partly because they haven’t received the proper instructions on how to maximize the tool they have in the form of credit but also because they have lost the ability to understand how to create income.

Haven’t we heard from some great success teachers about the concept of ‘what you focus on expands’? If you focus on what you don’t want then aren’t you really telling yourself that you’re not worthy of the desires you have been acquiring with this tool called credit? Does negative reinforcement really inspire confidence to learn and to develop new skills? Does cutting back and denying your interests ultimately help you learn how much money you really want to earn so you can live the lifestyle you really want to live?

When you focus on getting out of debt you are actually reinforcing lack, scarcity, fear and unworthiness. Sure, some non-deductible debt with high interest rates is better gone – but the way to get rid of it is to focus on creating income. You have to find ways to earn the lifestyle you desire, rather than acquiring it with plastic cards. And when you can master that skill, the income will be sufficient to look after the debt and your desires, and then we can all live happily ever after!

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Feedback and Questions from ‘Small Change’ Workshops

Here is some of the feedback and quesitons from the Small Change Financial Expo where I delivered the following workshops in Victoria:
1. Preparing a Budget that Makes You Money
2. Teaching Your Kids About Money
3. The $10 Solution to Saving Your Financial Life

 Loved it, best one from Friday and Saturday. ~ Carleen
 I was interested to hear how to build a plan and impart that to kids. I found the drawer technique helpful. ~ Aidan
 Very good. A different way of thinking about money. ~ Sue
 A very motivational speech. ~ Philip
 Great chat. Keep up the good work. You’re doing a good thing. Thank you. ~ Brian
 As someone currently contemplating entrepeneurship I found your workshop inspiring. ~ Laura

Questions:
 If you borrow money from the bank to purchase an investment and the loan is ongoing year after year, can you deduct for taxes the loan every year?
o Yes, but…These questions are always best answered by your tax professional. And, it’s not the loan that get’s deducted, it’s the interest and … this question and how it’s worded leaves me to wonder if this is an appropriate strategy for the level of financial experience the person asking the question has. A leveraged loan is a more advanced strategy, combining MoneyMinding steps 9 – 12. I would certainly suggest you discuss the strategy with your accountant, and a financial professional who will look at your financial situation from a holistic perspective, not one of ‘how can you get a quick fix’. Make sure you check out more like this and find out more about the strategy and what’s good and what to look out for in the MoneyMinding membership area, mVillage. It’s free for 30 days with the purchase of a Death by Money Report at www.deathbymoney.com

 Limitless exponential growth is obviously impossible in a finite world but your theory seems to be based on this concept. Please explain.
o The concept of doubling your money is one aspect of a 3 part plan that includes learning and implementing a solid financial foundation, overlaying that with specific measurable and scalable income goals that start at $10 and double each month for a year. After the year, the objective is to have a foundation, the income and a plan for sustainable income in whatever amount has been determined in the ideal budgeting, cash flow forecasting, and planning components of the year long plan. The plan is to create income that is measurable, manageable, scalable, and maintainable. I do this as a group program called ‘Project M’ if you’re interested. It’s also something you can get the overview of in The Death by Money Report, Wealth Secrets of Everyday Spending, or the MoneyMinding Makeover – and actually in most of the resources available from MoneyMinding. It’s exponential to however large you want it to be as long as it’s implemented with a solid foundation that works for real-life money management and how you want to live your life.

 What’s the difference between maximizing your investments and return on investment?
o I have written several articles and blog posts on this topic as well as answered the question a few different ways. These are all available inside the mVillage member area, but essentially the difference between return on investment and rate of return is that one provides for an ongoing benefit whereas the rate of return is about amassing some amount at the end of the period of investment.
o For example, $10,000 x 10% = $11,000 at the end of a year. But, $10,000 invested to provide $100 per month provides a far greater benefit both in the short and long term.

 Is to make money investing in companies a smart way to go?
o That depends. When you’re ready and have implemented a solid foundation following the 12 steps of MoneyMinding, by the time you reach step 10 and are investing in assets to provide income, income stocks (which are shares representing ownership in a company) are an option. Investing in stocks is also a good option for step 11 and 12 as well. To have a sustainable, solid plan, you have to have the foundation first though. You can find out more by searching on ‘investing’ and / or ‘sequence’ in the mVillage member area.

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Math and Emotion on Rent or Own

I don’t think I would surprise anyone if I shared that a top financial goal for most people is to own their own home. Imagine my horror at a financial advisor who specializes in insurance, explaining to a group of young families, how over a 5 year period they would be better off financially if they rented.

Emotions are what drives decisions, whether we want to admit it or not. The young people were attending the presentation because they wanted to know how to buy their first home. Unfortunately, as the presenter explained that the median price of a 3 bedroom home in the area was $530,000 and that a mortgage payment would be about $2500 per month, and rent would be $1700 for a similar home she was attempting to explain away a dream with simple math.

The explanation was that over a 5 year period by renting instead of owning, a family would actually be ahead $48,000 ($2500 minus $1700 x 60 months). Furthermore, because we are living in an uncertain economy she didn’t ‘feel’ that double digit growth was possible from the real estate market so that benefiting from capital appreciation from real estate was unlikely or perhaps only modest. No economic data for this view was presented, just like none was provided for the next explanation that was offered for why she ‘felt it made good financial sense to rent in today’s economy. She went on to explain that because employment was unstable and average incomes were barely able to cover a mortgage payment of $2500 a month that home ownership brought with it a lot of extra expenses and uncertainties that renting didn’t have. And of course, there would still be the issue of qualifying for the mortgage in the first place. She said she didn’t know where a young family would come up with the substantial down-payment and closing costs plus have enough qualifying income in the first place to even buy the house.

I was getting sick to my stomach listening to the groans and exasperated sighs from the audience. One man finally commented that it seemed impossible for anyone to own a home today. To which our financial advisor presenter responded that the real estate market had indeed changed with the economy and that if you rented and invested the $48,000 difference in savings from renting vs. owning, that you would not have had all the uncertainty of repairs and extra bills that come up with home ownership, that you wouldn’t have to worry about making mortgage payments if you lost your job, and that overall it made better economic sense (in her view) to rent.

Yikes!! She’s double talking and not knowing it, because on one hand she’s saying save $800 a month for 5 years with no return on your money you’d have $48,000, then on the other hand she’s saying it will be hard to come up with a down-payment for a $530,000 house, and on the other hand she’s saying invest the $800 difference from renting vs. owning, but she’s not shown an investment return on her math!
If you’re going to attempt to dissuade someone to give up on a very strong emotional dream, you better have some pretty strong emotional and logical arguments. You make money owning things. Also, when you own something you have options. You can rent, renovate, refinance and leverage for example. You can purchase insurance to cover risks to maintain peace of mind (the product our financial advisor sold and presumably wanted to earn a living from). You can partner with other people to make purchases. And down-payments don’t have to come from working and saving after tax dollars for years on end in savings accounts that don’t appreciate at the same rate as physical (real estate), or business assets (stocks).

Finally, the basic math used to explain the $48,000 that renting vs buying would ‘save you’ is flawed because it doesn’t consider the time value of money. In this example, using a $530,000 mortgage at 3.25% for 25 years (as our advisor did) you will find that the culmination of each of those $2500 mortgage payments over a 5 year period will reduce the outstanding mortgage balance by about $75,000. When you apply financial math to the monthly $800 savings that was supposed to be invested in the rent vs own scenario compared to the basic math example if all you did was earn the same percentage on your money as you would have been paying on the mortgage (3.25%) you’d actually have $52,000 at the end of 5 years. But, still not as good as the mortgage pay down situation. If real estate stayed fairly stable, from a math perspective owning definitely comes out ahead.

The question then is, “how can you buy the house”? We have already said there are strong emotional reasons for wanting to own: security, peace of mind, pride of ownership, flexibility, and math. And when you can support a dream with logic, you will start to explore possibilities to make it happen. There are many creative financing solutions available if you have a good mortgage broker to work with. There are certainly far better ways to come up with a down-payment than saving after-tax dollars on a monthly basis. And, creating income isn’t something that’s dependant on a job.

Overall, this narrow, ill-informed, out-dated opinion supports fear, lack, uncertainty and definitely not wealth creation or financial satisfaction. You can’t rationalize away a dream, especially when the numbers just don’t add up. Find someone who will help you brainstorm options and find solutions to help you realize your goals and dreams in a way that works for the way you want to live your life!

Author’s Note: The problem we have today is that too many people offer financial advice that continues to promote a dependent, fear-based, scarcity mentality. We need more financial professionals who understand that their expertise is to fulfill dreams, not kill them. This is part of the reason behind www.deathbymoney.com; to help people understand the cause of financial stress and to introduce a solution that can be implemented with as little as $10.

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Introducing the Death by Money Report

The concept for a Death
by Money book has been evolving for a few years, but the report is only a few
months old. It started with a few simple suggestions from people interested in
the story of the dramatic business fraud and betrayal and the powerful message
that situation illustrated.  The general
consensus was that the story needed to be told to help others avoid, minimize
exposure to, or recover from issues that cause financial stress.

The result of these
simple conversations is the new Death by Money Report:  How a $10 Solution can Save Your Financial
Life.  It is the culmination of
information from years of research, work and application plus a powerful story
of financial loss, survival and recovery.

Along the way, it is
definitely proving that the small things repeated consistently do produce the
biggest results in the shortest amount of time. And, that these small things
happen as we carry out real-life money transactions. The results aren’t from
major investments, business opportunities, or terrific rates on refinancing.
The real results are from earning and spending money on a day-to-day basis.
Lord knows, the results certainly don’t come over a 30 year period of scrimping
and saving and sacrificing long term! Yikes, who wants to wait a lifetime to
experience results and to support the causes you believe in?!

The Death by Money
project, as it has grown to be known as, is gaining followers and getting
people to think differently about their finances even as it was being written.
In an early version the report received reviews about how strongly the argument
was presented; how well articulated the message was; and how it really ‘got me
thinking about my situation and my retirement and what was really possible today’.

The ‘project’ has people
re-thinking their situation and asking different questions that take them on a
journey where they begin to see hopeful possibilities, rather than continuous
struggle, uncertainty and sacrifice because of financial restrictions or other
issues.  Money is becoming less of a
burden; less of a hindrance; and more of an interesting tool that can create a
beautiful canvas for a life of purpose and passion.

The Death by Money Report, and
everything that has come together to make it available for others to benefit
from its simple, yet powerful message, is what I will share with you going
forward.  In the meantime, the team of
people who have made (and who are still making) this project possible, have got
it to the point that you too, can begin to experience its incredible
message. 

You can now order the report and
the support to go with it at www.moneyminding.com for $10.  You
will find out how a $10 solution really can save your financial life or help
save the financial life of someone you love!

Abundant blessings,

Tracy (and my co-author, Lisa Maxwell)

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It’s International Literacy Day!

—————————————————————–
Literacy [lit-er-uh-see] –noun
1. the quality or state of being literate, esp. the ability to read and write
2. possession of education
3. a person’s knowledge of a particular subject or field
——————————————————————

Today is International Literacy Day. What better time to remind everyone that “literacy” isn’t just about reading and writing. Actually, if you look at the definition above, you will see the expanse of the meaning.

I’m sure that you are starting to see more and more references to “Financial Literacy”. Yes, indeed, the possession of financial education including numeracy and knowledge about money. Of course the ability to read and write will assist people with the acquisition of wealth and assets, but to really be successful, you need financial literacy too: it helps people learn to manage and grow assets and provide for a sustainable future.

Did you know that people are as afraid of others finding out about their limited financial skills as they are of people finding out they can’t read or write? Makes sense, doesn’t it?!

MoneyMinding can help… start by accessing the free information and resources offered on the website http://moneyminding.com.

Then check out the Minute Manager, it looks at every area of personal finance delivered in an easy to understand, practical format that helps people make decisions that support wealth creation and lifetime financial security…

Check it out today… and, please, pass it on – everyone needs to know this stuff!!

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Ryan’s Story

This entry is different than most of our posts. It has very little to do with money, and everything to do strength, belief, and hope. It demonstrates one of our core beliefs – that we are a community at MoneyMinding, and we carry the dreams and the hopes of each and every one of you with us.

Ryan is a financial planner, living in Calgary. He is a husband, a father, an uncle and a son. Like all of us, he has dreams and aspirations, not just for himself, but for his family. His mother is a MoneyMinding member, and she shares her son’s story of his struggle to survive against his recurrence of a brain tumor. I have provided an excerpt from Jo-Ann’s touching letter and ask you to take a moment to read about Ryan’s battle and help where you can.

Just before Christmas, my son Ryan had another MRI to see how his treatment for his Brain Tumour was progressing. After so much hope and success, along with great apprehension and an ongoing emotional roller-coaster for the last year, we were praying for no change or a change for the better. Unfortunately, it was not to be as it was discovered that the cancer has once again raised it’s ugly head and has begun to appear in the original area. The success of the Avastin has stopped and that treatment and the VP16 Chemo was halted immediately. To say that we were all devastated was an understatement. And this, just 3 days before Christmas.

Ryan and our entire family went to sadness, anger, fear and more. But somehow, after dealing with those negative feelings, we all once again, in our own way, found what we needed to come back to our strength in order to once again fight to find a way to be strong for Ryan and to look forward to other ways to find a treatment that will help to extend his life and keep Ryan with his family. As of today, Ryan is starting a difficult Chemo treatment called CCNU which may have some effect on the Cancer. We won’t know for at least 6 weeks.

In the meantime, the battle is on but we need all the help and assistance that we can possibly find. It’s why I’m writing to all of you to ask for your assistance. We thank everyone for all your support, prayers, acts of kindness and love over the last 18 months and once again ask you to keep Ryan in your prayers. I truly believe that this, along with many optional health supports, have kept Ryan going for the last 12+ years, fighting this disease. Even his doctors have said that they’ve never had anyone live as long as he has with a Brain Tumour and also stay as healthy as he is, so we know we have a very special support. I call Ryan my Miracle Man and I truly believe in Miracles. I know that Ryan still has so much to accomplish by sharing his experience with others to give them hope. His blog is amazing to read where you can see his spiritual growth over the last year and read about the lessons that he has learned about life and living here on earth. It is truly an inspiration to us all. His blog is http://www.ryanwesterman.blogspot.com/ Please feel free to pass this blogspot on and, if you wish, send him your own personal comments and words of support.

Along with your love and prayers, I’m also asking for your help in another way. Ryan has been getting wonderful optional weekly treatments with Chiropractic, Massage Therapy and Acupuncture for the last year which I believe is another reason for his overall good health. He is also following the Alkaline Food Program and using Immune Support Supplements. We are looking for all optional treatments and programs - medical, naturopathic, Eastern, spiritual etc. - that could also help. If you know of anything or anyone who may know about any options available or test study groups, I would greatly appreciate it if you could pass on Ryan’s physical details (to follow in this email) and have any information sent to me at the above email address. You may know someone, somewhere in the world who may know someone, somewhere with information. The more contacts we can reach, the better chance we have of finding something different that will help. I will then go through and edit out any duplications before sending them on to Tasha and Ryan. Please use “Ryan’s Path” as the subject matter in these emails so they are easily identified.

If you are connected to any Prayer Circles or a member of any Church, Spiritual or Religious organization, please share Ryan’s story and ask for help. We know that there are also Radio and Television programs that will include prayers for those like Ryan. In fact, as he went into his first surgery in 1997, his story had somehow found it’s way to a CBC Radio Spiritual program that broadcast across Canada and asked for prayers for Ryan….

…Ryan deserves to live – to be the loving husband that he is and the most amazing father to Talyn. Our family needs Ryan to survive. I need my Son. His Big Brothers need their Baby Brother. He has so much to offer to this world that we must give him every chance possible to stay with us for longer than a few months or a year or two.
We are begging for any help that anyone can give – no matter how little or how much.

I need my Boy.
Proud Mom, Jo-Ann

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Would You Like a $500 Christmas Gift?

Ask Better Money Questions, Get Better Results… this is what Minute Money Managers want. These are established, inquisitive people who want answers to their money questions from a reliable and trusted source. This group values their time and looks for quality products and services to help them achieve financial success… they look to The MoneyMinding Minute Manager Service as their ultimate financial decision-making resource.

The MoneyMinding Minute Manager Service is just that, a unique service offered by MoneyMinding Inc. that provides its subscribers the ultimate financial decision-making resource. 

ü      It is your “one-stop shop” and “go to” resource whenever you need to make money decisions – it’s a money “decision maker” system!

ü      It is information based on a proven financial education curriculum.

ü      It is where you can go to learn, to ask the right money questions and to get better results.

We know that when you have a money issue, you want to make a decision and quickly move on.  We also know that money is intimidating and difficult to talk about – more so than sex. 

So what are you waiting for… get your free $500 gift here when you subscribe to the MoneyMinding Minute Manager Service. It’s only $19/month, guaranteed, and no commitment required!

We answer money issues for you by providing:

·        Access to information when and how you need it,

·        Education in a way that doesn’t take time, or energy, or a big investment to get,

·        Tools to help you figure out what sort of questions you didn’t even know needed to be asked,

·        All this in a way that’s personal, anonymous and simple,

·        Information, tools and a program that will benefit both the financial industry and the people who use their services – people who have mortgages or want one – people who have investments or want some – people who buy real estate or want to – people who have families or not – people who want to take control of their money rather than have money control them.

Get your free $500 gift now!

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Hidden Treasures Turn Into Hidden Springs

I will never tire of sharing this message: “It’s what you think you know, but you don’t, where your hidden treasures are found.” Or put another way, “You don’t know what you don’t know” – and that’s where your biggest opportunities and your biggest risks are always found.

The risks of course are that your biggest fears might come true, or worse, that you’ll simply miss out on the experience of realizing more than you thought possible and end up settling for whatever comes your way. There is a very practical reason to start where you currently are and not wallow over the past or pine for the future. When you take the time to discover your true priorities and values, this is where you find your hidden assets (also known as your hidden treasures) – in all that you currently have in your life.

This week, one of my favorite MoneyMinding stories created a new chapter by opening their long awaited carriage house suite. The hidden treasures this couple found first bought them their dream home in 13 months, rather than 3 years, and now has added another stream of income for themselves while providing a magnificent retreat for visitors.

When you think you can’t, you can’t. When you think you can, you can. This is the difference between worrying about running out of money and telling yourself you can’t afford this or that, or taking stock of what you have and where you are and continually asking yourself, “what can I do with what I have that will move me towards my goals and also stay true to my life priorities?” You will find that you will be able to turn your hidden treasures into hidden springs of ongoing income.

To find out more about the story of Hidden Springs Farm, you can read about it in The 12 Simple Steps of MoneyMinding.  Visit www.hiddenspringsfarm.ca.

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