20 personal money practices that got me to a place of grooving prosperity. (part 1)

More than most subjects and matters of life, we tend to leave money wisdom to the experts.

Fitness — we get that we need to do what works for us as individuals. Sex — you know that you’re the mistress or mister of your own domain. But money — few of us, would proclaim that we’re money experts.

But just like your body and your heart, if you’ve created a relationship to money that works for you in some way — then that makes you your own money expert. You don’t need to know a thing about stock trading or how to read a profit n’ loss statement to be Chief Operating Officer of The Bank of You.

We don’t talk about money like we talk about diet tips or how to get the best bikini wax. We should. The more we talk about money amongst ourselves as friends, the more power we have. We demystify expertise, we expose fallacies and schemes, we neutralize emotional charge, we redefine success, and we help each other prosper.

Talk to your friends about money this week.

20 personal money perspectives + practices that took me most of my adult life to clarify and got me to a place of grooving prosperity

PART 1. (PART 2 will cover BUSINESS-specific money learnings.)

My money philosophy summed up:
Be very attentive. Don’t cling. Practice generosity. Go for pleasure – now (which leans toward instant gratification, not delaying.)

  1. Talk about money. I have a kind of fiendish curiosity about how people create their financial freedom…or misery. “How much did you pay for that?” “What do you mean by ‘a lot’ of money?” “How much is enough?” “Where do you shop?” “Whatchya gonna do with all that money?” “What did you spend all that on anyway?” From food stamps to gold bullion under the mattress, I’m fascinated by how currency runs through our lives. So I just ask.
  2. Make money a CENTRAL priority. This has nothing to do with greed and consumption, and everything to do with life force and power. In their right place, priorities do not consume, they enhance. This isn’t about fixating on money or hinging your self-worth on your hedge fund. IT’S ABOUT FOCUSING ON CREATING FREEDOM.
  3. When you get it, don’t spend it right away. Wait to cash your cheque. Hold on to the savings as long as you can. It sends a message to your psyche that you always have enough, that there is no need to be desperate, and that you have something to look forward to. Restraint makes for good foreplay which makes for good…release.
  4. Online banking gives me control and ease. I do everything on line. Everything.
  5. I pay my bills as soon as they arrive and I say thank you to every bill, even the whopping dental expenses just had, “I’m so glad I have the means to take care of this.”
  6. I rarely think of money as lost or wasted – a less than stellar meal, a broken gadget that didn’t last long, bad business debt…it’s all feeding someone somewhere, the money will come back again, and complaining keeps you stuck.
  7. Ask for exceptions. Can you waive the fee? How about that rain check deal? Call your credit card company today and ask them for a better interest rate so that they can keep your business. You’d be surprised how easy it is.
  8. I never, ever say I can’t afford it. Rather, “Buying a yacht is just not what I want to do with my money, darling.” Focus on priorities, not limitations. And I never say to my kid that we can’t afford things. I tell him we’re rich in love and life, and we can afford to be generous. When he wants to buy crappy overpriced plastic toys, I say, “That’s not the best use of our good money, we’ll find something that’s better for you and the planet.” He gets it, (that said, he has enough Legos to build a large condo.)
  9. Pay someone to do it. This flies in the face of some theories: “Why work an extra week at your job to afford to hire someone to paint your living room? Work less and paint the living room yourself.” Um, no thanks. My theory is this: earn your money doing something you’re passionate about, and pay people to do what you’re not passionate about but needs to be done for you to fulfill your mission. D-I-Y is like, not part of my driving strategy.
  10. Save receipts. I take shit back and I complain about poor service (very politely, of course…most of the time.) Hollah with your dollahs.
  11. I give my money accounts sappy, positive-affirmation titles. My bank statement reads like so: BOOMING LIFE + BUSINESS; BUSINESS TAX PAID (I see it as done!); HOME PAID FOR; ADVENTURE + CARE (from trips to acupuncture.)
  12. I hold out. I waited seven weeks for my Aeron chair because I wanted grey instead of black. I sat on the floor in my living room for three months because I wanted a couch that was three inches lower than the in-store model. I went four months without any creative-type support because I hadn’t found a winner yet.
  13. I’m setting my kid up for the future. Investing for him gives me very deep peace. Everyone deserves a leg up.
  14. I’m upfront about shopping for a deal with sales people. I’ll tell Dealer A that I’m going to Dealer B to compare. This ain’t a date, this is a numbers game.
  15. I avoid big box stores and dollar stores. I buy organic and shop more often for food. I’m more meal focused than “cupboard” focused. More nourishment less spending.
  16. I pay for my music. It’s clean. It supports art.
  17. I buy my friend’s stuff. If we’re good pals and you write a book or knit a sweater, sign me up for two. Love is really basic sometimes.
  18. I get stuff repaired, even when it might be just as much to buy new (especially with electronics) my goal is to keep stuff out of landfills.
  19. “Never a borrower or a lender be.” I always thought Shakespeare was incredibly prudish because of this. I lend, but, I prefer to just give. “It’s a gift.” Done.
  20. I pay for convenience and speed. I consider my time so precious that I think, “If I do valet parking for the event tonight, I get an extra fifteen minutes to be with my kid or write.” That’s worth fifteen bucks, and so is staying out of the rain when I’m in suede boots. And besides, DVDs mailed to the door and express services make me feel all luxy and taken care of. And when you can create instant gratification, you’ve got the energy to create more to be grateful for.

 

For Part 2 of 2, go here: 17 money practices for business that cost me a lot to learn

 

related posts
One of the truest conversations I’ve had - Danielle LaPorte-Audio.

Lies. Truth. Porn. Friendship. Sickness. Motherhood. And softness. One of the truest conversations I’ve had.

Like most humans, on the deepest level, I crave to be known. This conversation is a knowing — one of the truest recorded conversations that I’ve had. Being with my friend Jono Fisher, The Wakeup Project founder, is just…so…deeply comforting.

A few things I believe-laporte-danielle

I think we’re obsessed with protein, and sunscreen, and sameness. A few things I believe…

I think we’re obsessed with protein, and sunscreen, and sameness. And we forget, more tragically than most can understand, that consuming LIGHT is how we grow — in union, and with distinction.

Danielle-LaPorte-Divine-Feminine

Misunderstanding the “Divine Feminine.” And Masculine. And the love between them.

The “divine” in Divine Feminine is about wholeness. It’s where The Great Father and The Great Mother are unified. And that divinity then expresses itself through a feminine energy vehicle, upholding and emphasizing the key qualities and interests of the feminine.

Audio

Naïve vulnerability vs. Awake vulnerability

Naïve vulnerability vs. Awake vulnerability. Naïve vulnerability wants to be saved. Awake vulnerability is saving herself by respecting her Truth.

Energy parasites and addiction to chaos-Danielle-LaPorte

Energy parasites and addiction to chaos…and other things to weed out of your life.

Women and feminine-identified types specialize in beginnings, not endings. We prefer to nurture, not exclude. This of course is spectacular and divine and… challenging. Because destruction is essential to creation. Something has to die for your dream to be born. And by that I mean… you may need to cut off it’s life/lie supply and send it down the river to die.

Danielle-Laporte-I saw a Muslim man-Audio

I saw a Muslim man roll out his prayer carpet…

I saw a Muslim man roll out his prayer carpet in Union Square park
to prostrate to his god.
People, dogs, pigeons, were passing by his intimacy.

Danielle-Laporte-My Very Personal Hurt

My Very Personal Hurt, Suffered, Cried, Tanked, Flopped, Crawled, Begged for Mercy List. May it bring you comfort.

My very personal hurt, suffered, cried, tanked, flopped, crawled, begged for mercy list. May it bring you comfort. Because here’s what I know for SURE: You are never the only one. And there’s always a way through. Always.

Collective-Pain-Danielle-Laporte

Are you feeling the “collective pain”? Here’s how to manage that…

A lot of us are experiencing our own personal pain AND tapping into global, collective pain at the same time. We’re marching, or emphatically not marching. We’re crying in the kitchen, out of the blue. We’re heavy with emotion by noon.

My loves, it’s critical that you let the pain move through you. You have to keep letting it go. And like, there’s no need to worry about being too detached from what’s going on. Because there’s new pain arriving daily. If you’re awake you will hurt. I’m with you…in profound agony over the state of the world. And, my faith and resolve are brighter than my doubt and stronger than my grief. It’s an hourly practice to find that balance.

Danielle-LaPorte-How-to-be-yourself

How to be yourself…when you can’t really be yourself.

“Just be yourself.” Most common self-help sermon ever. I’ve been preaching it for years. Except…being yourself doesn’t always work. Sometimes it’s dangerous. Sometimes it’s not worth the frustration or the futility.

Danielle-LaPorte-Having-Faith-Audio

There is nothing passive about “having Faith.” (And how to deal with doubt).

Faith is the “work” in “Light work”. It scrubs and rinses and steadily erases doubt. Faith stays on doubt’s ass: I see you. I dissolve you. I replace you with Faith. And then doubt will pop up again. And Faith is right there: Yep, I heard you. I choose faith. Yep, I know the odds, I choose Faith. And because Faith knows the natural order of things, she says to doubt: You’ll probably be back later this week. And you might even distract me. But I’ll still choose Faith. No anger, just clarity. No complaints, just pure, fiery resolve.

Pin It on Pinterest

Share This