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Earning my worth *warning* boring

March 1st, 2006 at 02:47 am

Using "Overcoming Underearning" the book, this is just an entry for me to keep straight what it is I want and where I'm at. Easier for me to find again than entering in a paper journal

To start:
What DO I want?

*I want to stop using debt - even though it gets paid off monthly except the house, I spend more than I should and then juggle to make sure it's paid and don't incur finance charges. My mother always did the same thing and I want to break the habit - CASH ONLY and don't touch savings!!

*I want to make sure I always get paid what I'm worth, for most of my skills, they're within a range of $20-50+ per hour.

*I want to find out where I am mentally to achieve where I want to be financially

*I want to update my resume and CV so that I'm ready when opportunity strikes!

*I want to run my own business because I'd be good at it and following someone else's vision is boring

If I had six months to live, what would I be doing?

*I'd be spending as much time as possible visiting family, then I'd travel to the one or two countries or states on my "must see" list, I'd be making sure my will/durable power of attorney for healthcare/living will were in order, and I'd be taking the time to enjoy my last days

Where would I be living/Who would you be with?
*At home, with my loved ones, or traveling with loved ones

What would you change? What would you add? What would you eliminate?
*I'd want to make sure I left my children an inheritance - something to help them through university or buy a house, I'd be more forthright in expressing my appreciation to folks, I wouldn't hesitate about spending $3 on a malt (they're my favorite treat), and I'd try to be kinder to those I encounter in this life.

Affirmations to wealth taken from aforementioned book by Barbara Stanny:
-I am confident in my ability to make money
-I always live below my means
-I love money and appreciate what it does for me
-I am very optimistic about my financial future
-I experience very little fear or uncertainty around money
-I am determined to get paid what I am worth
-I am passionate about my work
-I have very supportive, nurturing relationships (including spouse)
-I like wealthy people
-I have little or no credit card debt
-I intentionally get myself in situations beyond my ability and then rise to them
-I am resilient and able to bounce back when I fail
-I am filled with gratitude for the success I've achieved
-I work very hard, but I know I don't have to do everything myself. I know how to delegate and set limits
-I am tenacious in achieving my goals

We're eating home more now and I have a year to plan my re-entry into working for money. These explorations allow me to stay on track. Smile


Will the clutter Ever END: Still making money on my junk

February 20th, 2006 at 03:51 am

Tore through the basement over the weekend finding boxes that can't be used for moving (too big, too broken, too dirty) and took them for recycling. Snagged all of the copper piping that has been sitting in a box since who knows how when and recycled that, too. $1/lb. in our area.
Books that were listed on half.com for $1 and have been there for a month, I've taken off my listings and will donate to the library and friends. No money made, but goodwill from the universe created. Wink
I never knew a house could get so dirty. I have been out of commission for about 3 months for pregnancy-related sickness/fatigue and decided it was high time to DUST! What a mess. I went through all of the windowsills, most of the woodwork in the house and wiped down almost every flat surface that dared to get in my path! I was a maniac. The mirrors were polished, even the kitchen and bathroom fixtures. Mopped the basement and cleaned the shower downstairs. My house is feeling loved and sparkly and I'm just glad it's finally getting done.
The weekend also included a few home improvement projects, so I set myself down to learn how to grout. There were areas in our bathroom floor tile that had been taken up that needed to be re-affixed and grouted, so off to the home improvement store I went. After affixing the loose tiles, I had to wait until they dried before using a sponge to spread in the new grout. To be honest, I was quite terrified of this project, because I didn't want to screw it up, but it actually looks quite nice.
The garage still needs some sprucing up/organizing/de-cluttering, but I think I'll wait until the weather gets a bit warmer.
I look around at all that we have and I just can't believe how lucky we've been in our lives. I am so very grateful and I couldn't have done it without the angels in my life.
I'm still pursuing some educational possibilities to increase my income long-term and will start carrying this quote with me that I picked up from "Secrets of Six-Figure Women":

"Every blade of grass has an angel that bends over it and whispers: Grow! Grow!" - Talmud

Till the next time,
Jorge

Wealthy Women and Six Figure Earners

February 16th, 2006 at 05:49 pm

I am an underearner. In the book, "Secrets of Six Figure Women" there is a big section on underearners and I fit into most of the categories. The two big ones were that I've always felt like the money wasn't supposed to matter if the cause was worthy and I am constantly giving away my skills to help someone or some entity out. Do I want to spend the rest of my life like this? Not a chance. Do I see myself at a six figure salary? Yes. When? Not sure. Do I want to achieve financial freedom? You bet. The number isn't a million, since I can live on much less than that and travel, too, but the number is definitely up there. 1/2 million and a paid for residence is close.
Now that I think back on it, I wasn't always an underearner, I didn't always devalue my own skills... I remember writing dollar signs on my pancakes with the syrup as a child because I just knew that I would be one to make money. And then... well, society and all those learning lessons on how to be a lady got the best of me and I suddenly found myself in the "it's not polite to talk about money or ask for more" mentality. How did this happen?? I've always felt bad when I haven't charged for something I knew others were getting paid plenty to do, so why didn't I ever speak up? The book is a great one because it made me remember that I am worth more. More, and infinitely more. I don't need to settle for a $15/hr. job because I am worth more than that. Why didn't it hit me sooner?
Granted, I am making more than that at the moment, due to a promotion, but this book is a reminder to never settle for less than I know I'm worth.
My husband and I were talking the other night and I told him that he can support us for the next 10 years while we have a couple of kids and get settled some place, and that I'll support us the next 10. Consulting probably. I am happy. And I'm worth every penny I've ever made, and I'll start charging for those things I should have been charging for a long time ago. My next book? "Millionaire Women Next Door."

Ciao.

Jorge