Money Mastery – Three Easy Steps to Mastering Your Financial Destiny

When I was a kid I was constantly told, “We can’t afford that; we can ONLY get this; ask your dad if you can have that; you must save your money for a rainy day; start saving now for retirement.” Don’t get me wrong, I understand the intention of some of these messages and that they may even hold value for some folks but I also have learned that these statements can lead to potential financial paralysis.

By hearing those statements over and over again, I developed what could have been my Money Destiny. That Money Destiny led me to believe I would never have enough money, that I must always save and never spend, and that I was not financially safe. These messages repeated themselves in my mind every time I needed to make a money decision or anytime I thought about money. Soon thereafter I found myself resenting the “mean green” and at times wanting to rebel against it. Thank goodness I realized one day that should I continue down this same Money Destiny road, I was destined to have just enough (not plenty) or none at all for that matter or worry about money constantly, and stay in the middleclass.

When I noticed how I was making decisions that would keep me in the same place and never propel me forward financially, I knew it was time to bust my old patterns, break debilitating money-habits, and create a new money system, a new Money Destiny. Doing this was going to take some mental, emotional, spiritual, and physical work, oh yeah, and financial work as well! It meant I was going to have to stop listening to what I had been told all my years growing up as a child as well as stop playing the “tape recording” of these messages over in my mind. It also meant I was going to have to buck this old system every time it flashed before my eyes! My intention in sharing this article with you is to help you break down your conditioned mindset and build it up with a new one that actually works with you and not against you. This is a mindset that YOU are going to create, nobody else will be creating it for you. Isn’t that exciting?

So what does mastering money look like? Mastering your money literally boils down to one thing: your mindset. Have you ever noticed that when your bills are paid off for the month and you have some extra “bread” in savings, you are just bouncing around the planet like you are rich (even if you aren’t)? However, on the contrary, have you noticed that when you don’t have enough to make ends meet and you’re struggling to figure out where the next dollar will come from to pay your rent or mortgage, you never seem to see the light? And, have you ever noticed that you actually decided, either consciously or subconsciously, which of those scenarios would play out in your life?

What I would like for you to do is sit for a moment and put yourself into both situations. First, visualize yourself in the moment when you have no money, nothing in the bank, in fact you may be in the negative. You’re not going to be paid for another week and all of your bills are due yesterday. What is the first feeling that you notice? Desperation, anger, frustration, helplessness? Take a quick note of that. Now, go to the visual of having money in the bank, all bills paid off and in essence you feel free. You have extra money to do what you would like and everything seems to be going right in the world. Again, take note of the first feeling that pops up for you when sitting in this visualization.

Let’s take an even further step. Picture that you are in control of both scenarios. You actually designate or choose which will happen in your life. And, you actually choose the same scene over and over again. Which do you choose? Do you choose the visualization with lots of money and financial freedom or do you choose the daunting visual? I venture to guess you wish to choose the one of Money Mastery.

The concept of Money Mastery has to do with having a destiny when it comes to money. Some folks actually are destined to be rich, middle class or poor. For most of us, we witnessed how our parents behaved with money, listened to things they said and then modeled after them. If our parents were rich, we figured as adults that we, too, had the right to be rich. If our parents were poor, we grew up thinking we did not deserve to have more money so we followed in the footsteps of our poor parents.

I am here to tell you that you don’t have to follow in anybody’s footsteps when it comes to mastering money except your own. Today, you get to decide your new Money Destiny in just three steps.

Step One: Change Your Money Talk-

As I stated earlier, mastering money has to do with your mindset so if you have been saying repeatedly, “I don’t have enough money” or “I need more money” then I venture to guess you haven’t had enough money for quite some time. So, I challenge you to begin saying(even if you don’t believe it in the moment, trust me, you will learn to believe the following statements wholeheartedly), “I have plenty of money,” or “I am grateful for the money I have,” or “Money is a precious gift.” These are simple statements yet extremely meaningful. These affirmations are packed with power! And here’s why: when we hear ourselves say something, we generally believe what we say-whether it is good or bad-we believe it! Thus, if you are constantly saying, “Money is a precious gift and I am grateful for it,” somehow your mind hears that statements and translates it into action. Before you know it you are taking action to have more money in your life or better yet, money is finding its way to you and you did not even lift a finger!

Do you see where I am going with this new verbiage? Positive thoughts become positive feelings which lead to positive actions that grant you positive results.

Step Two: Change Your Money Feelings-

If you feel badly about money all the time you will not get money in return or worse yet, you will spend it like water because you want to get rid of the bad feeling. Makes sense, right? Therefore, it is imperative to change your Money Feelings.

Here’s an exercise: Take out a one-dollar bill. Look at it, in fact, examine it. Notice what you like about the one-dollar bill. Is it the color, the images printed on the bill or perhaps it is what is stated on the bill. I want you to find at least two things you like about the dollar. Now, sit there for a moment and FEEL what you like about it. It may help you to close your eyes and just be in the feeling, be in the moment. Now, think about what you can get for just one dollar. Maybe an apple, a banana, an orange. Maybe a pack of gum or two packs of gum even? You can give a tip to somebody after buying a coffee or you can get change for your one-dollar bill and put money in the meter to prevent getting an expensive ticket. Do you see how far that one dollar went? Did this give you a new feeling and new perspective about that bill? For what appeared to be a small bill it certainly turned into big things, didn’t it?

The idea here is to constantly associate positive feelings with money in order to get more of it. Let me give you another example. I used to get angry every month when I had to pay the bills. I would say to myself, “I get so angry working so hard for my money only to turn around and give it over to somebody else.” Then one day it dawned on me that I should be grateful that I have the money to pay the bills in the first place! Suddenly I reframed my thinking to state,”I make plenty of money to pay my bills every month.” And believe-it-or-not, I no longer resent that time of the month when I have to pay bills and more money has been coming my way.

Step Three: Change your Money Behavior-

If when you get your paycheck and you turn right around and spend it then I am going to challenge you to pause for a moment and not take the same action. In fact, I am going to ask you to replace that action with a new action: Paying yourself first. What I suggest to my clients is that they take at minimum 10% of their paycheck and pay themselves first by putting it in a savings account, retirement account or money market account. What is better is if you can automate this so you never even see that 10%. These days, most banks or employers offer an automated savings plan whereby they take whichever percentage you desire and they put it into whichever account you want. This is a great way to begin paying yourself.

Now if you are the type who never spends a dime, I ask you the question, “What exactly are you saving for?” Don’t get me wrong, I am not encouraging you to not save your money, but I am encouraging you get really connected to what exactly you are saving for. If you are saving in case of an emergency rather than for freedom, excitement, purpose, joy, or love, realize what will manifest is an emergency. My challenge to you then is to change the reason for your saving.

When we stop and really think about the phrase, “Money Talks” we realize just how truthful that is. What’s important to note is that we have the power to dictate the conversation with and about money so that it is either a rich conversation full of financial freedom and joy or it is a poor conversation wrought with desperation, frustration and debt. Here, you have been given three powerful steps to Money Mastery. My question to you: Which conversation will you now be having?

Scottsdale Culinary Arts School

Getting a formal education for whatever career you want to pursue allows you to get a secured position in the industry. But to succeed in any field, your mind should be in tune with what your heart desires. It's true, is not it? How can you last in a job that you are not happy doing? This also applies in the world of culinary arts. If you believe deep in your heart that your greatest passion is cooking, then you have a bright future in the food service industry.

Before you aim in getting a higher position in the industry, you should first get a formal education in culinary that many top culinary school provide, such as Scottsdale culinary school – the Scottsdale Culinary Institute or SCI. There is no better way to prepare you for a career in the field of culinary than taking the world-restructured courses included in the Le Cordon Bleu Culinary Arts program. The institute gained its international popularity from the quality culinary programs of Le Cordon Bleu in culinary or patisserie and baking. SCI is accredited by the Accreditation Commission of Career Schools and Colleges of Technology and the Culinary Arts Program is accredited by the American Culinary Federation Educational Institute Accrediting Commission.

This top Scottsdale culinary school, SCI, offers degree programs that prepare students for an exciting and rewarding career in the field of culinary arts. With a stern emphasis on hands-on training, the school's programs provide graduates with a degree and the experience to immediately advance in their careers. Beside the student study center and library, the campus houses 8 kitchens, bakery, and meat shop- all equipped with the latest culinary equipment in the industry, enabling the students to keep up with the modernization of today's food service establishments.

To help you set your goal in the food industry, here are some of the Culinary Arts and related courses of study and degree programs of Scottsdale culinary school:

Associate Degree of Occupational Studies in Le Cordon Bleu Culinary, which can be completed in as early as 15 months and an externship that will last for 3 months at a food service establishment of facility of your choice.
Bachelor Degree in Le Cordon Bleu Culinary Management, an advanced program of Scottsdale culinary school that provides advanced culinary education together with the management and communication skills required managing a restaurant. If your goal is set in a way that you run a business in food service industry, this program of Scottsdale school of culinary arts is the best for you.

Associate Degree in Le Cordon Bleu Hospitality and Restaurant Management, a combination of culinary arts program with practical knowledge of restaurant and guest service operations, which prepares students for entry-level positions.

Education Based Marketing

We are a society of information junkies. We thirst for information every single day. When we consider our own buying habits, where do we go? If it is a big item we might go to Consumer Reports or search for information online. We will certainly go to Google or Yahoo and search for whatever it is we want.

One of the very best examples of "Education Based Marketing" is seen at http://www.askthebuilder.com . That web site is packed full of information on the how to's of home improvement. People gravitate to vendors who supply the greatest amount of information.

A Simple Example:

If we were going to buy a pizza and we were standing right in front of two identical pizzerias, side by side, and one of them had a big sign in the window that read: "FREE Pizza Recipe Book," which one we would walk into first? We would probably all be interested in what ingredients are in the pizza and how the pizza is made.

What comes into play here? First of all we probably would never see two pizzerias side by side and we will more than likely NEVER see a pizzeria owner "divulge any secrets." The fact is, not very many people are going to ever try and make a pizza at home and it will certainly never taste the same as it does when you buy if from your favorite pizza vendor. The pizza vendor could have a business card with his web site address taped to the box with instructions on how to claim your free "Pizza Recipe Ebook." Of course there are "More Coupons" inside the ebook.

Many restaurant owners do not have much time to spend online. If the owner just had a printed recipe every week, (with his next week's coupon on the other side) he would create a customer loyalty and a following. All of his customers would look forward to the next recipe and would have to come into the restaurant to get it.

Most of us that have an e-mail address have bought something online or subscribed to an e-mail invitation for "specials" that the vendor offers. When we get their e-mail, all it includes is the items that they are selling and often times it is quickly deleted. If we were to buy something from the local craft store and they asked for our e-mail address and said: "We will be happy to send you the free" how to project of the month, "along with some coupons. up? Most likely we would if we had an interest in crafts. Of course that e-mail is going to include the "Special of the Month!" We might just head right back to the craft store to grab the new set of paint brushes that are on sale.

Yes, we are playing in the digital age. That brings up the power of educational ebook marketing. Ebooks are being made all the time and distributed freely all over the Internet. Along with the free information is an opportunity to purchase the vendor's products or services. Ebooks are easy to make or easy to have made for you. A simple example of ebook marketing is seen at: http://www.investigate.net The vendor gives away a free ebook that is useful for locating unclaimed funds held by the states. In it, there is an opportunity to buy unlimited access to public databases. Someone who uses the ebook can access it over and over without ever buying a thing. However, if that customer ever needs to find someone or find some secret public record, where are they going to go?

The salesman or woman who sells to business owners can be a welcome sight if he or she always shows up armed with some written information or "little known secret" about that particular owner's business or industry. That information is always given freely without any expectation of a sale resulting from it. In addition, if the salesman or woman took the time to send a one page piece of mail to all of his customers every month with the "Idea of ​​the Month" on how to increase sales, (along with a business card) who do you think the business owner would want to buy from?

The mission is simple. Educate your customer every chance you get. Provide the most valuable information you can to your customers. Continue to educate your customer the best way you know how and you will develop a customer loyalty that is worth its weight in gold.

Tips When Seeking Your Automobile Extended Warranty

You may have heard that "research is critical" when it comes to purchasing an extended warranty for your automobile. Sometimes auto extended warranties are depicted in a negative light because of a few scam artists looking to capitalize off peoples' concern for their investments.

A recent Consumer Reports study recommended that people buy highly rated models only and that they invest in Money Market accounts to save for repairs, rather than invest in a warranty. However, if you tend to incur a good number of auto repair bills, if you plan on keeping your car more than three years and if you drive your car over the recommended 12,000 miles annually, then you are a good candidate for the extended warranty program .

Dealerships know that consumers trust them, by nature. An establishment that deals with billions of dollars in sales each year could not possibly rip you off over a technicality like the extended warranty, could they? Well, maybe they do not mean to rob you blind, but think of the dealership as a retail operation.

If you've ever worked in retail, whether it's clothing, furniture, consumer gadgets or automobiles, then you know that retailers mark up the cost of their items anywhere from 100% to 1,000% of the cost value! Now imagine how much extra you could be paying for your extended vehicle warranty. Do not be afraid to go directly to the source and purchase your warranty online from a trusted company like Warranty Direct.

Another factor to consider is auto warranty for "wear and tear." This type of warranty can be hard to find, since many only cover mechanical failure. However, you can definitely find extended warranty coverage that includes "wear and tear," thereby covering parts like the idler arm, piston rings, U joints, CV joints, wheel bearings, motor mounts, suspension bushings, tie rod ends, seals, gaskets and other engine parts that typically wear down and may or may not cause a mechanical breakdown.

If you have an anti-lock braking system, then you'll want to make sure your coverage extends to ABS and instances of overheating. The comprehensive website, carbuyingtips.com recommends Warranty Direct and Nation Warranty Corporation, which both include "wear and tear" in their plans.

The most important thing is that you do not feel rushed or hassled into securing the extended warranty for your car immediately. Most auto warranties allow you the option of buying later; yet of course, you should only delay as you research, rather than allowing enough time to elapse so your car is a liability. Like with health insurance, it's much harder to get coverage once problems arise.

As with anything, the extended auto warranty is a "buyer beware" scenario, but if you do some homework and understand your auto habits, then the couple of thousand you pay today can save you a small fortune tomorrow.