Wealth Creation Tips: 6 Types of Toxic Money Behaviors that are Holding You Back
Dec 01, 2021Money doesn’t grow on trees. It doesn’t grow on bushes or fall from the sky either. Money is either earned or gifted and it is important to know what to do with it when it comes in. With the right tools and knowledge, money can even make money and that is why I am sharing my wealth creation tips—to grow your income and set you up for financial success.
When used sensibly, money can be a great resource for yourself and your community. And, truthfully, everyone can use more of it. It can be a tremendous luxury but also an enormous burden, and it is unavoidable. It is up to you how you see it and manage it. Our whole society revolves around money and as a female entrepreneur, you need to know the best money moves for yourself and your business.
Here are 6 ways you are getting in the way of your own wealth building.
Wealth Creation Tip #1: Borrow Money Strategically
Credit cards and loans can be very appealing—you just need a little extra cash to see you through the end of the month and you’ll be able to pay it back with your next paycheck. No big deal. I can hear you trying to justify it now. The truth is once you start, you’ll never catch up. Once you use that credit card or take out a loan, you owe someone that money and it isn’t free. Interest charges add up and you’ll find yourself swimming in a sea of bad debt.
Have you been in a situation where your bank account is running low on funds, and you could really use a cushion?
It has happened to all of us at some point—it’s best to recognize it and analyze your spending habits.
Some businesses exist solely to lure you into thinking you need their help with that cushion, and unfortunately, they are successful. This is the reason I hate these brick-and-mortar stores that promise fast cash. Whether they are promising your paycheck early or asking you to put down some sort of collateral to get money, it is bad news.
If it seems like something you should avoid. It is. Trust your intuition. Stay away from borrowing money at all costs, especially for impulse buying, non-essentials, or non-investments in your future. It isn’t worth it. If you do not have the cash to pay for something, you cannot afford it. Plain and simple. Stop trying to justify it in your head; it is not good for you.
Now, a credit card can be a useful tool when used wisely. I want to repeat that so that it is clear—a credit card is okay when used wisely with a solid plan to pay it off in a timely manner (i.e.: before you incur a late fee).
Bad debt is a bad decision.
Wealth Creation Tip #2: Create a Savings Account
If the past 18 months have taught us anything—it’s that our economic stability can turn on a dime. My wealth creation tip #2 is to have a safety net. Create a savings account and when you receive income, always pay yourself first. Save a comfortable amount that can carry you for 3-6 months.
Wealth Creation Tip #3: Educate Yourself
We can carry a lot of money trauma around based on how we were raised—but those stories no longer belong to you—it is time to take responsibility for your financial health square. Stop bypassing the responsibility. It is yours now—the good, the bad, and the ugly.
Educate yourself on best money practices; reading this post is a great first step. If you don’t know something, look it up! Learning about money is one of the most empowering things you can do. Don't rely on someone else to manage it for you
Wealth Creation Tip #4: Pay Bills on Time
This sounds like an easy decision but you would be surprised by how many people don’t pay their bills on time for whatever reason and incur late fees or interest charges (wealth creation tip #1).
I suggest utilizing the automatic/recurring payments feature that many companies offer; however, you need to know what you are paying for. It can be easy to turn that feature on and forget about them. Make it a habit to routinely review your bill.
Please, avoid the late fees at all costs. Just when you begin to get some traction, even one late fee can set you back big time.
Wealth Creation Tip #5: Be Responsible with your Money
Your money is your responsibility. It won’t work for itself (unless you tell it to by way of investments). You are accountable for what it does and where it goes.
Be in control of that. Know the ins and outs of your own investments, allotments, and recurring bills. There may be a lot you have to manage, and it can seem overwhelming, but I assure you, it’s manageable and not dealing with it will guarantee it becomes overwhelming.
Refusing to take action is not an option when building wealth.
If you are struggling with something, acknowledge it. Come to terms with your money blocks and set it right or find help.
Wealth Creation Tip #6: Healthy Money Habits
When you invest your money, you are giving it a job to do. Each dollar bill should be allocated for something—savings, bills, investments, rent, food, etc. When you leave money in your bank account un-assigned, you run the risk of using it for frivolous activities and end up short before the end of the month. And so, the vicious cycle begins.
Healthy money habits like the ones I have shared will help you build your wealth and financial success in business and in life.
If you would like to continue learning more about building your wealth, download my FREE guide: The 7 Biggest Mistakes that Keep Female Entrepreneurs from Generating Massive Income. It tells you exactly what you need to do in order to make lots of money. Download that here.
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Have you ever felt a quiet whisper within, urging you to step into a fuller version of yourself? A gentle nudge that says, "There's more to you than meets the eye—let it out, let it roar." For years, I felt that whisper growing louder, evolving into a desire that I could no longer contain.
My journey with divine expression began as a delicate dance between fear and faith. I had stories to tell, lessons learned from the depths of my spirit, but the thought of sharing them with the world felt like standing on the edge of a vast abyss. What if my voice wasn't enough? What if my words fell on deaf ears?
One day, amidst this internal struggle, I found myself gazing at a sunset, the sky ablaze with hues of gold and crimson. It was as if the universe was painting a masterpiece, unapologetically showcasing its brilliance without hesitation. In that moment, I realized that nature never doubts its expression—why should I?
Fueled by this revelation, I poured my heart and soul into writing my book, "When Lions Roar." It wasn't just a title; it was a mantra, a declaration of stepping into my power. Each page became a testament to embracing authenticity, courage, and the divine voice that resides in all of us.
The journey wasn't easy. There were nights filled with self-doubt and days when the words seemed tangled and elusive. But with each paragraph, I felt layers of fear peeling away, replaced by a profound sense of liberation. Writing became my sanctuary, a sacred space where my spirit could dance freely.
When "When Lions Roar" was finally released, I was humbled and overjoyed to see it become a #1 best-seller and receive multiple awards. But beyond the accolades, the true gift was hearing from readers whose lives were touched by my words. Their stories of awakening, empowerment, and newfound courage reminded me of the incredible ripple effect our authentic expression can have.
This journey taught me that our voices are not meant to be silenced or suppressed. They are divine instruments designed to uplift, inspire, and connect us on the deepest levels. When we allow ourselves to speak our truth, we invite others to do the same, creating a symphony of souls roaring in unison.
Now, I feel a calling to extend this transformative experience to you. If you've ever felt that inner roar longing to be heard, a story aching to be shared, or a message that could light up someone's world, I want to walk alongside you on that path.
That's why I'm hosting an upcoming Power Circle dedicated to Divine Expression: Influential Writing for Spiritual Leaders. It's a sacred gathering where we'll delve into the art of influential spiritual writing, debunk common myths, and uncover the steps to crafting content that resonates deeply.
We'll explore how to:
Demystify influential spiritual writing and communicate truths that transform.
Discover the four essential steps to crafting impactful spiritual content.
Embrace authenticity and power in your expression, overcoming obstacles with confidence.
Imagine connecting with like-minded souls, engaging in enriching discussions, and participating in activities that ignite your creative spirit. This isn't just about writing—it's about stepping into your role as a spiritual leader, fully embracing the divine expression that is uniquely yours.
If this resonates with you, I'd be honored for you to join me.
P.S. The world is waiting for your roar. Secure your spot in this transformative Power Circle by RSVPing by December 3rd. Let's embark on this journey of divine expression together: https://www.karengrubercoaching.com/fes-power-circle-november-2024-divine-expression
If you are viewing this message after the event has passed, we invite you to explore our Upcoming Female Entrepreneurs Power Circles.
In the world of entrepreneurship, especially as a spiritual entrepreneur, content has always been more than just words on a page. It’s a way to connect, to inspire, and to lead others on their own transformational journey. My path to creating innovative content strategies wasn’t a straight line, but a winding road of trial, discovery, and growth.
When I first started sharing my message, I believed that content meant following certain formulas or trends—until I realized that true innovation doesn’t come from doing what everyone else is doing. It comes from tapping into my authenticity, listening deeply to what my community needed, and infusing my work with my unique voice. The breakthrough happened when I shifted my focus from creating content just for the sake of visibility to crafting content that matters—content that sparks curiosity, stirs emotions, and fosters meaningful connections.
Innovative content isn’t about being flashy or following the latest buzz. It’s about speaking directly to the hearts of those we are meant to serve. And for me, that meant peeling back the layers and embracing vulnerability in my messaging, showing up as both a guide and a fellow traveler on this entrepreneurial journey.
This shift wasn’t only about business success (though I’ve seen incredible growth and engagement). It has fundamentally changed how I live my life. I no longer see creating content as a task but as a form of self-expression, a way to lead from my soul and honor the gifts I’ve been given to share with the world. Every post, video, and story is infused with intention and a deep desire to uplift others while remaining rooted in who I am.
Through this process, I’ve learned that success, both in life and in business, comes when we lean into our creativity and trust our inner guidance. This is the essence of my upcoming Power Circle, "Innovative Content Strategies: Unique Approaches to Shine Above the Rest." We’ll be exploring how to break free from the constraints of content creation myths and instead, cultivate content that aligns with our unique purpose and audience.
I invite you to join me for this transformative gathering where together, we’ll step into the forefront of creative marketing. Let’s embrace what makes us different, and through our content, shine above the rest—not just in the marketplace but in the way we live our lives.
RSVP by October 29th and take the first step towards manifesting your miracles. Let's walk this path together. Claim your spot and start creating with intention!
If you are viewing this message after the event has passed, we invite you to explore our Upcoming Female Entrepreneurs Power Circles.
There was a time when I doubted whether true miracles were possible. I had heard about the power of manifestation, of aligning with the universe to bring forth my deepest desires, but it felt distant, something reserved for those who knew the "secrets" or had mastered the spiritual arts. I felt successful, sure, but something was missing. I wanted to manifest not just success, but a life and business that truly reflected my soul's calling—a journey that would leave a lasting impact, both spiritually and materially.
It all began when I decided to fully embrace the concept of manifesting miracles. I remember thinking, "What if I just allow this to work?" That thought was the seed that changed everything. My approach shifted from doubt to curiosity, from skepticism to possibility. I dove deep into understanding what manifestation truly meant, not just in theory, but in practice. I learned that it's not about waiting passively for good things to happen; it's about becoming an active co-creator of my life. I began applying principles that aligned with my highest aspirations, and, step by step, I started seeing the results.
One of the most transformative moments for me was when I realized that manifesting isn’t just about thinking positively or visualizing outcomes. It's about releasing the myths and truly understanding the mechanics of how energy, intention, and action work together to bring forth what we desire. In my business, that meant more than just hitting income goals or launching successful programs—it meant creating offerings that were in total alignment with who I am at my core. It meant attracting clients who weren’t just looking for business strategies, but who were also seeking deep spiritual and personal transformation.
Manifesting miracles has taught me to trust in timing, in the ebb and flow of life. I’ve learned that manifestation isn't linear. There were moments of doubt, of frustration when things didn’t unfold as quickly as I wanted. But in those moments, I practiced resilience, knowing that sometimes the delay wasn’t a "no," but rather, a preparation for something far greater. The more I aligned my thoughts, actions, and intentions with my soul's purpose, the more effortlessly things seemed to fall into place. Opportunities appeared, relationships blossomed, and my business grew in ways I never thought possible.
Now, manifestation is a daily practice for me. It's not just a one-time event or something to turn to in times of need; it's a lifestyle. Every day, I set intentions. Every day, I take steps—both big and small—that move me closer to my vision. And every day, I cultivate a mindset that allows me to remain open to the miracles that are unfolding all around me.
The most powerful realization for me has been that manifesting miracles is about trusting that the universe is always working in my favor, even when it doesn’t look or feel like it. It’s about remaining unwavering in my vision, even when challenges arise. And it’s about showing up fully, knowing that the energy I bring into every moment has the power to shift my reality.
I am living proof that miracles happen when you align with your highest purpose and take action from that place of alignment. My journey has been full of twists, turns, and lessons, but each step has brought me closer to living a life that feels truly miraculous.
And now, I invite you to join me on this journey-Wednesday, September 25th. The next Power Circle, “Manifesting Miracles: Tools and Techniques for Powerful Results,” is designed to guide you through your own process of manifestation. If you're ready to understand the real power behind manifesting and learn the tools and techniques that can help you create extraordinary outcomes in your life and business, this event is for you.
RSVP by September 24th and take the first step towards manifesting your miracles. Let's walk this path together. You can secure your spot here: https://www.karengrubercoaching.com/fes-power-circle-september-2024-manifesting-miracles.
If you are viewing this message after the event has passed, we invite you to explore our Upcoming Female Entrepreneurs Power Circles.
Decades ago, when I first embarked on my entrepreneurial journey, I was filled with passion and determination. I had a vision, a plan, and all the strategies in place. Yet, despite my best efforts, something was missing. I felt like I was constantly pushing against an invisible barrier, struggling to make the impact I knew I was capable of.
I remember the countless nights spent brainstorming, revising, and re-strategizing, hoping to find that elusive key to success. Despite the long hours and unwavering dedication, my business seemed to plateau, unable to break through to the next level. Frustration and doubt began to creep in, making me question if I was truly on the right path.
It wasn't until I discovered the profound power of energetic alignment that everything began to shift. I started exploring the concept of energetic vibrations, initially skeptical but curious. What I found was profoundly changing. Understanding and harnessing my energy allowed me to move through my entrepreneurial endeavors with a newfound sense of ease and flow. My business began to resonate more deeply with my true self, and in turn, with my audience. I started to change my daily activities to align with the woman who already had what I wanted.
I also began setting clear, intentional goals that aligned with my highest values and aspirations. This alignment made decision-making easier and more intuitive. One specific example was when I launched a new program that blended spiritual practices with business strategies. The response was incredible – I filled all the slots within days, something I had never experienced before. Clients began to tell me how much they resonated with my message and felt a genuine connection, which made them more eager to engage and invest in my offerings.
These changes not only boosted my business growth but also brought a profound sense of satisfaction and purpose to my work.
The Awakening
The turning point came during a particularly challenging period in my life and business. I was attending a retreat focused on personal growth and spiritual development. One of the sessions introduced the concept of energetic vibrations and their impact on our daily lives and professional endeavors. The idea that our thoughts, emotions, and intentions could directly influence our business outcomes was both intriguing and liberating.
As I delved deeper into this concept, I began to notice subtle shifts in my mindset and approach. Instead of pushing against obstacles, I started to flow with them, recognizing that every challenge carried a lesson and an opportunity for growth. This shift in perspective was profound. I felt lighter, more focused, and incredibly motivated.
Implementing Energetic Principles
Integrating energetic principles into my business wasn't an overnight process. It required patience, practice, and a willingness to let go of old, limiting beliefs. I began by setting clear, intentional goals that aligned with my highest values and aspirations. I practiced mindfulness and meditation to center myself and maintain a high vibrational state.
One of the most significant changes I made was to cultivate a positive and abundant mindset. I learned to trust in the process, believing that the universe was conspiring in my favor. This belief wasn't just a comforting thought; it became a guiding principle that influenced every decision I made.
Through aligning my business strategies with high-vibrational energy, I experienced a dramatic transformation. I began to attract the right clients, create more impactful content, and see tangible growth in my business. But more importantly, I felt more connected, purposeful, and fulfilled. This was the missing piece I had been searching for, and it elevated not just my business but my entire life.
Real-Life Impact
One of the most memorable moments of my journey was when a client, who had been struggling with her own business for years, shared her breakthrough with me. By applying the energetic principles we had discussed, she was able to overcome her fears, attract her ideal clients, and achieve her financial goals. Maya’s story was a testament to the power of energetic alignment and reinforced my belief in this transformative approach.
The journey of energetic alignment isn't just my story; it's a path that many successful entrepreneurs have walked. This approach is about more than just business success; it's about creating a life that feels deeply aligned with your true self, filled with purpose, passion, and prosperity.
Your Invitation
I am thrilled to invite you to join our upcoming Power Circle event, "Energetic Entrepreneurship: Leveraging Vibrations for Prosperity and Impact." This 90-minute session is designed to demystify the concept of energetic vibrations and provide you with practical tools to harness this power for your business success.
In this comprehensive session, you will:
Demystify Energetic Vibrations: Explore and debunk common myths. Understand what it really means to harness your energy for entrepreneurial success.
Align Your Business with High-Vibrational Energy: Discover the three essential steps to guide you from initial concept to impactful execution, ensuring your business resonates with both you and your audience.
Build Resilience and Intentionality: Gain the confidence and clarity needed to navigate challenges and maintain a prosperous, high-energy approach to entrepreneurship.
You'll walk away feeling enlightened, prepared, and eager to integrate energetic principles into your business.
This Power Circle isn't just about theory; it's about inspiring you to take action and integrate these principles into your entrepreneurial journey. Whether you're starting a new venture or looking to elevate an existing one, this session will provide you with the tools, strategies, and motivation to thrive.
Join us for this empowering event and take the first step towards transforming your entrepreneurial dreams into reality. RSVP by July 30th to secure your spot in this transformative gathering. Let's embark on a journey of prosperous and impactful entrepreneurship together!
I can't wait to share this space with you and witness the incredible transformations that await. Remember, aligning your energy isn't just a strategy; it's a way to infuse your business with purpose and passion, creating a ripple effect of prosperity and impact.
If you are viewing this message after the event has passed, we invite you to explore our Upcoming Female Entrepreneurs Power Circles.
