3 Proven Ways to Improve Your Personal Finances Today

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I recently released a course on how to improve your personal finances, and no one bought it. I personally think this is because my marketing skills are horrible. I assume that this is the way people buy things: they see it, they want it, they buy it. However, studies have proven that there is way more to marketing than that. I know that I am very stubborn, so I hired a coach. Yes, coaches hire coaches. That’s a testament to what we do: we know that coaching works. Whenever I am struggling with a process, I know that I need to bring in the expert. It’s okay to ask for help. It’s not okay to repeat the same mistakes over and over.

This reminds me of why I created the course in the first place. It’s based on my second book, Evolving through Bullshit. There is a chapter in there titled “Bankruptcy” that addresses how I improved my personal finances. Well, it actually just grazes the surface of the mindset, and this is why I created the course. I wanted to share with others the MAGIC of changing your mind about money.

When I sat down to speak with my coach, I had no idea where we would end up–me crying because I am standing in my own way because I am scared to make too much money. Yep, you read that correctly. I am scared of making too much money. I know that sounds crazy, and I didn’t even expect it. And, this is why I needed a coach. I needed an expert to draw the truth from me about why I stand in my way when it comes to asking for and receiving the money that I earn and deserve.

Here are some of the things I learned that align with and go beyond the course:

  • Our Relationships with Money ARE Psychological

What the hell does this mean? They are similar to the relationships that we have with people. If you have had a bad experience with money, i.e. it caused fights when you were young, it let you down, etc., that stays with you just like when you have a bad experience with a person.

  • If We Associate Negative Outcomes with Money, It Will Scare Us Away

I have watched money tear people apart. When my grandparents died, my family became an ugly mess. People said nasty things about each other. A big moment that stuck with me was holding my grandmother’s hand while she was very sick and her saying, “They’re only here for my money.”

  • Society May Teach Us the Wrong Way to Think about Money

This was huge in my book. When I started making changes in my life, I examined the way that I thought about money and the things that I was buying, and I realized that these things did not align with my values. They were not important to me. They did not bring me joy. Most of the things were just things that I thought I should have because they were what other people had. For example, I bought a pretty big house when I was 26. I thought this house would fix my marriage. Instead, it became a big money-sucking pit that only made me feel more trapped in a bad relationship.

Understanding these things really helped me, but that was just the first step. Here are some ways that I overcame these issues:

  • Change Your Thoughts with Affirmations/Mantras
    • If something has been ingrained in your mind, you have to make a conscious effort to change it. For me and money, this was the negative thoughts I had. I had to write this down and say it over and over until I believed it:
      • Money is good. Money can help me achieve my goals. Money can help me do good in the world. Money can help me help others.
  • Fill the Negative Space with Positive
    • I also had to start having better memories replace those horrible ones that I associated with money.
      • Remember the feeling of getting money as a reward for hard work. Focus on the positive memories.
      • Remember the feeling of giving money to someone in need.
  • Examine Your Habits and Values
    • Determining what you really value can help you improve your spending habits because you can align them with each other.
      • I sold my big house and moved to one less than half the size, and I love it. It’s easy to clean, more affordable, and easy to maintain.

If you’re feeling overwhelmed by finances and keep making the same decisions over and over, maybe it’s time for you to hire an expert. I am not an accountant or a financial adviser, but I am an expert in improving personal finances. You can try my course online here: Julie’s Finance Course. I also offer one-on-one coaching as well.

If you’re interested in my dirty laundry, you should snag a copy of my book here: Evolving through Bullshit

Learning about Social Media Marketing

 

Have I already talked abpexels-photo-273691.jpegout how much work #self-publishers have to do to market their stuff? If so, I cannot say it enough. If not, I probably dreamed that I did.

Today I attended a meeting (thanks to my friend, Mia Bolden who owns Beautiful You Studio here in Pensacola, is a life coach, and is my pole fitness instructor AWESOME lady!) about #SocialMediaMarketing. On the way up the elevator, we talked about how there is so much information about this that it is overwhelming. Here are some things that I found valuable from today’s meeting:

  1. It does matter how many people you follow versus how many people follow you. I know that you youngsters are probably thinking DUH, old lady, but I did not actually know that this was a thing. So, I looked at my Instagram and Twitter accounts to find that the ratios were drastically disparate. I had a wopping 600 something followers on Instagram, and I was following over 2,000. This is a BIG NO-NO! I guess it makes you look desperate or something. REMEDY: There’s an app for that! It’s called Unfollow. Go figure. It allows you to mass unfollow people who are not following you back. BOOM!
  2. 80/20 Rule: I had heard this before, but I needed it to be reemphasized I guess. Basically, you want to share 80% content-related stuff that is not sales, and 20% sales. So, for my sexual harassment stuff, I should be sharing 80% information about what’s going on with sexual harassment and 20% of what I offer. Another tip was to use the outside information (like statistics) and then create a personalized infographic that addresses that information. So, I could use information from a news article about sexual harassment and create an Infographic using Canva that demonstrates what I would do to address it.
  3. 7 Times: We are hit with so much marketing that it doesn’t sink in as quickly as you’d think. In fact, the statistics show that it takes about 7 times to be exposed to something before you notice it or understand it. So, this is why commercials are repeated over and over. Have you ever sang a song but not listened to the lyrics? I do this all the time. I’ll realize it when I decide to sing karaoke. I’m like, “Oh, I did not know that’s what she was saying!” I guess it’s the same concept. We have become so neutralized by all the ads that it takes repetition to get the message through. So, for those of us trying to push our message out, remember 7 is the lucky number.

These were my big takeaways for the day. I hope they help. If you have any questions, feel free to email me (juliestillrolin@gmail.com) or comment 🙂

Struggles Teach Us Something. Listen to Them.

Struggle Meme

I was forced out of bed this morning by thoughts of writing. It’s amazing how passion can make us do things. As I was proofreading the second chapter, I decided to share my thoughts on struggle. I have struggled for years, no, decades, with wanting to write, but I have never followed through. I actually finished a book last year, but have not touched it sense. This struggle is one of self-doubt. However, as you’ll find in my book, I do not believe that we struggle for no reason. Our bodies physically try to protect us, so they get confused by our fears. When we fear something, the body turns away from it as a means of protection. Unfortunately, these fears are often irrational and reinforced by a false sense of security. My fear of writing is that I won’t be good enough. It is that someone will read it and think I’m stupid. Or, no one will read it. Why do we fear these things? Because we have struggled with something similar. Someone somewhere has put these thoughts in our heads, whether it is social media, television, friends, enemies, family…But, a cool thing can happen when you realize that this struggle was just meant to be a lesson, not a debilitating reality. This struggle was meant to prepare you for the possibility of rejection. But, this struggle is not permanent. No struggle is. That’s why it’s a struggle. It’s hard, you push through it, and you’re better on the other side. You can appreciate it more. With me, I’ve learned that I don’t care if I’m rejected. I have been there. I don’t care if someone thinks I’m stupid; I know plenty of stupid people. What I care about is finding my voice and letting it out. It’s been screaming at me for decades inside my head. It needs out. SO, if you are struggling with something, take a good step back and try to see what the lesson is within the struggle. Then, push past it. Get on the other side and remember it for future struggles may come, but they too can be lessons rather than realities. Happy Wednesday!