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Finding Your Why

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Want to know your Money Type? Take the Quiz

Take the quiz and find out which money archetypes are influencing your patterns and behaviours with money.

Is it the Magician or the Warrior or is it a combination of a few others? They all play a role. Curious?

Getting to know your archetypes, harnessing their strength and working with their weaknesses will help you fast track your wealth growth.

How You And Your Money Can Be Finally Friends

So you think you could not be friends?

You don’t need to be enemies with your money! If you haven’t thought about your relationship with money, you’re not the only woman to say that. But it’s time to connect in a friendly way with the concept of money, rewrite your money story if it is not working for you and create the abundance you want to have in your life.

Your relationship with money can determine your behaviour around money. Make sure your relationship is a good one.

If you lack in abundance, it is likely because you have formed an unhealthy relationship with money and your money story will reflect that. You may have inherited this mindset as a girl from your family or bad experiences with money growing up.

What can you do

Here are new beliefs to adopt into your life to start to welcome wealth, based on a positive outlook on money:

*Presume money will come to you, on a daily basis.

*Realize anybody can be wealthy today. ANY WOMAN.

*Set out to solve a problem with your business

*Believe that you will have an abundance of money, rather than a shortage.

*Don’t think money is unimportant. It is necessary for everyday life, from shelter to clothes. If you deny the importance of money, then you will find you have little of it.

Becoming friends with money is crucial to attracting wealth. Once you connect with money in a healthy way, you will have a lifelong friendship that thrives, and that’s reason to celebrate!

if you liked this article you might like the article .The 3 Toxic Assumptions About Money

relationship with money

Want to know your Money Type? Take the Quiz

Take the quiz and find out which money archetypes are influencing your patterns and behaviours with money.

Is it the Magician or the Warrior or is it a combination of a few others? They all play a role. Curious?

Getting to know your archetypes, harnessing their strength and working with their weaknesses will help you fast track your wealth growth.

3 Toxic Assumptions About Money

Get rid of these 3 assumption about money

Your beliefs about money may be wreaking havoc on your life, and you don’t even know it. Here are three toxic assumptions about money that many women today hold onto:

  • I can’t make money doing something I love

Ha! I love what I do, and I make a good income at it, which dispels this myth. If you don’t think you can have an enjoyable career, then you are tying money with a sense of unsatisfying work. And you don’t have to think that way.

  • I don’t deserve wealth

If you believe this statement, then you think of money as a symbol of worthiness. However, this assumption is dangerous because if you feel undeserving then you are more likely to sabotage yourself from making or keeping the money.

  • You have to give up your time to make more money

Nope! If you invest right, you can be making money while you sleep, ladies. The whole idea of investing is to create an asset pool that will eventually bring in enough income, so that you do not have trade your time for money (which is what working for a salary is).

These are three of the numerous toxic assumptions about money that many women have and likely don’t even realize how it is holding back their ability to create wealth.

What other assumptions do you hold? I say it’s time to kick these false statements to the curb!

Want to know your Money Type? Take the Quiz

Take the quiz and find out which money archetypes are influencing your patterns and behaviours with money.

Is it the Magician or the Warrior or is it a combination of a few others? They all play a role. Curious?

Getting to know your archetypes, harnessing their strength and working with their weaknesses will help you fast track your wealth growth.

The Most Embarrassing Topics About Money

The Most Embarrassing Topics About Money

Sometime you just want to hide, instead of talking about it

Often it is difficult for women to talk openly with family and friends about money without being embarrassed. Personal finance is a difficult thing to discuss, even more so than politics and religion, according to a recent of survey 1,004 adults aged 25-75. Topics such as loans and saving can create uneasiness, so it’s important to delve into the issues and provide some suggestions for overcoming them.

Debt Amassed from Overspending

If you’re a woman without a budget or who spends beyond her means, debt can quickly and easily accumulate. Getting out of debt is the harder part and can be a source of embarrassment. Debt reduction strategies are actually quite straight forward. All takes it a realisation that you need to spend less than you earn is a good beginning. Meeting with a personal money coach that tailors budgeting strategies to females is a great way to gain the tools you need to gain control over your finances and climb out of debt.

Loaning Money to Loved Ones

Financial predicaments often arise after you lend money to family and friends if the money isn’t repaid. While your intentions are good in lending the funds, the risks can outweigh the benefit if the repayment doesn’t happen. Follow the rules to avoid future awkwardness if you decide to say yes when someone close asks to borrow your hard-earned money, including putting your terms in writing and charging interest. That is a loving thing you can do for yourself and your loved one. Don’t be an enabler, bring gentle reality checks with your offer of loaning your money.

Not Knowing the Basics of Saving Money

Creating money-saving habits need not be difficult or embarrassing. Build up your knowledge base when it comes to saving by recording your expenses, creating a budget, planning to maximize savings, and making specific goals to work toward within a certain timeframe and towards investment. I can help you with these steps, as well as suggesting ways to prioritize what you want to achieve so that you can optimize your save-to-spend ratio.

Conversations like these don’t have to leave you squirming in your seat! Instead, let’s start small, focusing on one part of the financial picture at a time to make money easier to chat about and manage.

Here is your No Risk Action Plan:

Learn what you actually need to know to positively change your Money and Wealth Destiny

Did you know that you have money archetypes which influence your behaviours around money?

Understanding your money archetypes is the key to unlock your money code.  And when you unlock your code, your results explode.  Take the test below, it’s free.

Want to know your Money Type? Take the Quiz

Take the quiz and find out which money archetypes are influencing your patterns and behaviours with money.

Is it the Magician or the Warrior or is it a combination of a few others? They all play a role. Curious?

Getting to know your archetypes, harnessing their strength and working with their weaknesses will help you fast track your wealth growth.

Steel these 3 Money Secrets now

These 3 Money Secrets Will Change Things For The Better

Shhh… You’re not supposed to tell secrets, right? But that’s not true in this case. By educating women about money, I like to think we’re raising one another up to achieve more, both personally and in society. This is why I’m here with three money secrets that you can borrow or “steal.”

1. Save in Place of What You Spend

Let me explain. Let’s say you go out and get your hair colored at the salon. Normally you use dye from the box but this time you get it done professionally, which costs more.

This is great – you’ll look divine and feel more confident – but you’ll have to meet this challenge first to justify the extra expense: You have to match it with a savings upgrade in the same month. In other words, spend more, save more.

Are you up for the challenge? I think it’s a great way to test your financial skills, allow yourself a treat, and continue to save money.

2. Ask Yourself This First

Want another money secret to steal? If you are not sure whether to buy something or not, ask yourself this one question first: How much am I would I be prepared to pay for it?

Answer this question before you check its price tag. This method will make it much easier for you to decide whether to buy the scarf, book, teapot or another item that you’ve been uncertain about taking home from the shop with you.

If your guess is close to the sales tag, you’ll take satisfaction in knowing you’re getting the object for what it’s worth. If you’re way off base though then you’ll probably think twice about buying it, right?

3. How Easy is it to Clean?

Here’s another question to ask before you buy something. Ask yourself: Are you willing to clean it?

If that dress you’re eyeing at the shop is dry clean only, for example, that’s costlier than throwing it in the washer. So if you’re not willing to care for it then it’s probably best to put the dress back on the store rack.

If something requires a lot of upkeep and you don’t want to put in the work for it, then you’ve just talked yourself out of purchase. Look at you, saving money!

Want to know your Money Type? Take the Quiz

Take the quiz and find out which money archetypes are influencing your patterns and behaviours with money.

Is it the Magician or the Warrior or is it a combination of a few others? They all play a role. Curious?

Getting to know your archetypes, harnessing their strength and working with their weaknesses will help you fast track your wealth growth.

What I learned from my journey to becoming Australia’s Top 5

What I learned from the journey to becoming Top 5 in Australia

If one could only skip from one mountain top of success to the next without having to travel through the valleys of self-doubt and frustration – life would be so easy. If that was so, I would say that you would learn very little about yourself and others. Success is really about how many times you get up after you have fallen. As my surfing instructor once told me “Surfing is not about catching the wave, it is about how many times you are willing to get back up on the board”. Success is about getting just a little bit clearer on what matters to you most every time you get up and continue. It’s your WHY that drives you forward.

And, eventually it is your WHY that calls you to stand up and be counted.

For women standing up for themselves or self-advocating can be a daunting experience. Much of the unease surely is about how women are still raised and socialised, the same way they pick up money blocks when they are young. Women are told they are not good with money and so they believe it, when in fact they are wired to be great at it. This also happens to be my message – contrary to popular belief – woman are terrific at money.

In her book, “Leaning In” Sherryl Sandberg (CEO of Facebook) notes that “everyone needs to get more comfortable with female leaders, including female leaders themselves.”

When people asked me who nominated me for the AFA Award in Female Excellent in Advice Award – I felt guilty, almost shameful to admit that I nominated myself. The voice in my head screaming loudly “damn right, I do great work”. So why was I so uncomfortable standing tall and leaning in? My upbringing. Women do not boast or purposely shine. Oh such chains of generational programming.

In Sherryl’s eyes “I was not comfortable being a female leader, who was at the top of her game”

The application process felt effortless. That happens when you are passionate about what you do, you can articulate your message clearly and you are willing to stand up for it. Before I had a chance to retract my application (yep – I had a moment of wobble), I got the call that the judges wanted to interview me. Really? 210 nominations and only 5 finalists. That meant I was considered to be in the top 2% of my peers even if I did not win.

I very much felt like the “accidental finalist”. Nothing I am doing seems so special to me, yet countless women call me the Money Mindset Magician. They say I have changed their life in just a few hours of attending my Money Smart Woman Master Class.

Things become effortless when you are in your expertise, element and flow. It’s chemistry.

Next came the “shark tank” style pitch for my place to get to the top. 5 judges and me alone in a room. No life lines. No excuses. Just you, being you. This is where you have to stand in the fire. Michelle K. says “Some women are lost in the fire. Some women are built from it”. I happen to love fire, it has a way of cutting to the chase.

The best sword blade are smithed in a blistering fire. It’s alchemy.

I survived the fire, but I did not win the top honour. My dear friend did which made me happy.

However, I won my own honour for having advocated for myself. I won because I stood up for my Why. I won because I stood up for the women before me who paved the way for me to be able to walk in their path. I won because I paved the way for other women to follow in my steps.

Ultimately the path to the top was a journey of personal development. Reconfirmation that what I do matters, even if only in a small way.

So here are the lessons I learned

  1. Be clear of your Why – it’s gets you through the shark tank of life
  2. Befriend your fear –let fear know you are there and that you are not going to run, so you might as well be friends
  3. Persistence conquers – think Rome and pasta, it all took a long time to perfect
  4. Speak out for yourself – because by doing so you are speaking out for others
  5. Have the courage to Be Yourself – that is what people resonate with and that is all that matters

Want to know your Money Type? Take the Quiz

Take the quiz and find out which money archetypes are influencing your patterns and behaviours with money.

Is it the Magician or the Warrior or is it a combination of a few others? They all play a role. Curious?

Getting to know your archetypes, harnessing their strength and working with their weaknesses will help you fast track your wealth growth.

Can you answer these money questions

Are you there yet?

Have you ever tried to answer rapid-fire questions about finances, ladies? It can be a way to reveal what you know inside and out, as well as the areas that you’ve still got to work on adding to your financial knowledgebase. Let’s see how quickly you can answer these financial questions:

How Much Do You Spend Per Month?

If you’re not able to quote a number off the top of your head, then it’s time to get this figure sorted out. Only by knowing how much you spend on average every month can you determine if you’re saving any money or not. As I tell women regularly, saving is the key to meeting your financial goals. Speaking of which…

What is your Newest Financial Goal?

It’s wise always to have a financial goal, such as paying off your school loans. Otherwise, you might just fall into a lifestyle of spending and saving haphazardly rather than taking control of how you use money to reach the things you really want in life.

What is Your Monthly Saving Rate?

Just like you ought to know your spend rate, ladies, you also need to know the average amount you save per month. Knowing this number can help you figure out the answer to the previous question too. If you have trouble saving any money most months, I can help you make some small and simple changes that will fix this.

How Much Is Owing on Your Credit Card?

If you’re scared to check your credit card balance, you’re never going to be able to get it to zero. Only once you know the exact amount can you make a realistic plan to reduce it. This involves getting your spending more under control (the first question above) and likely making the credit debt reduction your newest financial goal.

Before you go

Want to know your Money Type? Take the Quiz

Take the quiz and find out which money archetypes are influencing your patterns and behaviours with money.

Is it the Magician or the Warrior or is it a combination of a few others? They all play a role. Curious?

Getting to know your archetypes, harnessing their strength and working with their weaknesses will help you fast track your wealth growth.

Finding Your Why

Finding Your Why

Simon Senek is right.  People connect with you because of who you are, not because of what you do. They connect because of your vision, your values, your passion, that illusive thing that makes your sparkle – your Why.  “If we possess our why of life we can put up with almost any how.” says Nietzsche.  So here we are all looking for our Why.

I titled my article “Finding Your Why” because I want to question it. I see so many people getting stuck thinking they need to find their Why before they can achieve things in life, when in fact I suggest to you that your Why might actually find you.

At least that has been my experience. Hi, I am Christina Cabrera and I am a money mentor and guide for women and that is my Why.

Now a days my passion for what I do is red hot and I pretty much spend most of my time guiding women through the maze of money concepts and how to think about money. To enlighten, educate and empower women, so they can create ease and freedom from their money worry – that is my creed.

But I did not suddenly wake up one morning with this mission and a clear Why for what I do. In many ways I am an accidental Money Guru. I became one because I was looking for one 30 years ago when I needed guidance and could not find anyone that inspired me. That started what feels like an epic journey of self-discovery and a slow, but very clear birthing of the Why that I live today.

So, I put to you that you can actually fall into a Why, which grows with you and gets polished along the way like a diamond does.

Today I am one of 4 finalists in the 2017 AFA Excellence in Female Advice Award in Australia. That puts me in the top 2% of Australia.A mighty feat considering there were 201 applicants.

My career as a money woman started 30 years ago when I needed advice and was bitterly disappointed with the quality of people that were available then.It did not help that back then very few women dared to step into the wilderness of money management. Everywhere I went I got the same unspoken but clear message: “Don’t worry your pretty little head – we will look after you”. Needless to say, I did what any self-respecting woman would do: I started my own advisory firm after studying and becoming one of the first 100 Certified Financial Planners to graduate in Australia. Mission accomplished, but looking back my Why was really fuzzy.

Fast forward 30 years and here I am.  My Why has grown with me and has become crystal clear – to enlighten, educate and empower women, so they can create ease and freedom from their money worries. Will my Why change? Most likely. It will continue to grow and morph with me as I see what needs to get done. Where can I roll up my sleeves next – show up and do what I am called to do?

Putting it all together:

  1. Be patient:If you feel like you have not found your Why and you feel frustrated, maybe you need to relax a bit.Don’t try to push the river, it flows by itself.
  2. The universe has a way of leaving clues. Look around you and see what experiences you are having in your life.What is lacking? What can be improved? What enrages you? That might just be your Why.
  3. Your Why might in fact be You.Let me explain:I don’t think our value comes from just our “accomplishments”.Our value comes from being who we are and how we show up in the world.Maybe just being there for a friend in need can be your Why.

So here it is: Your Why does not need to be high and mighty – it just needs to come from the core of who you are and what matters to you, from a place of genuine desire to make a difference.

Want to know your Money Type? Take the Quiz

Take the quiz and find out which money archetypes are influencing your patterns and behaviours with money.

Is it the Magician or the Warrior or is it a combination of a few others? They all play a role. Curious?

Getting to know your archetypes, harnessing their strength and working with their weaknesses will help you fast track your wealth growth.