What really is money?
Money is just a tool and it magnifies who you really are.
I believe this to be true and it makes me completely understand why not many are actually happy with the amount they have. It completely makes sense that not many are rich. It’s as if we really know this to be true but complain about it as much as we can.

The more money you have the more you are exposed.
Not many of us really want to be too exposed. And this could also be the reason why even more complain and point out the flaws of those who do have money.

Do you really want more money? Are you ready to be exposed as much as you are wishing for? We are the ones who actually give it it’s power. Without use it is meaningless.
Think about it, what makes it grow are zero’s which are empty.

We only spend our money on how we see ourselves. Another way of putting this is what we “Pay” our attention onto. We are spending our attention like it doesn’t matter.
Take an inventory of your life. What would you like to change? Are you happy where you are? Do you spend your attention with intention or are you doing so in a fog?
Look at your life seriously, how much longer can you keep going on like this?
What’s your money really saying about you?

Here are 10 steps to get you out of debt and on the right track towards your dreams

Step 1
write down the amount you made last year and subtract the what you have today in the bank account. Take a look at that number. You have to know the truth.

Step 2
Print off the last 3 months of your banking transactions.

Step 3
Write down all the income you’ve brought in and add them up.

Step 4
a) hi-light all the restaurants you spent money on.
b) hi-light in a different colour all the food you spent money on. * this is ONLY grocery money *
c) hi-light in a different colour necessities (ie: toilet paper, shampoo, tissues, feminine products)
d) hi-light in a different colour auto payments that come out every month
e) Add up each colour for each month and divide by 3 – this is your average.
Do you spend more than you make?

Step 5
Outstanding debt never makes anyone feel good.
a) Make a list of all the outstanding debt you have.
b) in one column write out the amount owing
c) second column write out the monthly payments
d) third column write down the interest rates

I know this may seem overwhelming but don’t give up. With everything in life those things that need change first need us to change and we need to adjust and that can be uncomfortable.
Life is not suppose to be comfortable.
First thing is to really look at this and see exactly what it is you’re dealing with. And know this, once you look at it, you don’t ever have to be there again. Everything you do is a choice and how you spend you money is just another choice.

Step 6
This is the Plan
Add up all of your outstanding debt. You want to be sure you’re making all your minimum payments and then the extra money you’re working for will go towards the amount that is the smallest.
Then once you have this one paid off, celebrate without spending money. Then the money you are putting towards it will then be going to the next outstanding debt. This is called snowballing your debt.

Contact the companies and tell them your plan and when you will be making your payments. You want to be working with them. You may negotiate for a lower amount depending on how much you owe and for how long it’s been. Sometimes this works but not always. They may want a lump sum so be prepared.
Call all the auto payments including your credit card and see about lowering your interest rate.

Step 7
Cut the FAT (Frivolous Actions Taken) This is where we need to trim up. Cancel anything you do not really need. Television, cell phones, cars etc. Anything that you do not really need. Get rid of it.

Step 8
Find More Money
This is where you are going find more money. Now if you’ve cut as much as possible and you’re still short then you have to increase your income.
Can you pick up extra shifts at work? Can you do a part time job on the side? Is there papers that need to be delivered in your area.
Here’s where the money is:
Take 15 minutes to do this.
Make a list of all the things you’re good at.
All the things you love to do.
Anything you have talent in.
I mean Everything. This includes walking, if you can.
Look at that list, give yourself a pat on the back. There’s more than you thought.

Step 9
Let’s find even more money.
Here’s some ideas:
Sell what you do not need or use. Clothing, electronics, furniture. You can sell online or in person.
Have a yard sale and sell the belongings you have that you don’t use.
Downsize your home into something that fits your current income.
Get rid of the big car, you can find one without payments. Sell it.
When shopping check out your local thrift store only if there’s something you need.
When grocery shopping try to do so in bulk. Price match and use coupons when available.

Step 10
You have a clear vision about what’s real when it comes to your money.
Now I am going to add one more here.
You also need an Emergency Fund!
I am serious. I’m sure your eyes just got really big and doubt crept back in. But hear me out. This is your own personal cushion and the just in case. This comes before you pay off your debts. You make your regular minimum payments but you put the extra you make into an Emergency Fund. At least until it gets to $1000.00. After you pay off your debt then your Emergency Fund should be 6 months worth of your expenses. Now that number’s a lot bigger.
This is ONLY for EMERGENCIES . Think about it, if your car needs repair and you need your car to get to work, what do you do?
You need to have the Fund and get it quickly.
You know the amounts, everything is written down and all payments are visible and set up to paid on time and for the correct amounts. You have additional sources of revenue coming and you have let go of things that were holding you back.








This month we are talking all things money. Where does it really go and how in the hell do we get more of? What is a budget and how to put things together. Also we’ll talk about the tough stuff. How do get out of debt and is filing for bankruptcy the only option. What happens after you do file.

It’s a new year and what better time than now to get your life back in order. Or is this really going to be the first time you will finally tell your money what to do instead of it just disappearing.
Too often we don’t know what our money is doing or where it goes. We just hold our breath until the next paycheck. But with employments options these days there’s nothing really secure even about that. Our jobs are not as secure as they use to be and things move pretty fast.

I have had plenty of money, saving, an emergency fund, investments and debt free but I have also been down and out where I was on government assistance and living off of hope and fear. Not able to purchase any gifts for Christmas. I’ve had to return items back to the bank because I wasn’t able to make my payments.

As with most things in life that seem to be embarrassing, we hide. We think we are the only one who is going through it. We think our problems will last forever, and then when we do get something good coming our way we feel fear that it may not last. It’s true nothing lasts forever but we can look in the right direction, we can set ourselves to succeed. We can set ourselves up to thrive and when we do fall down, learn from it and not allow it to destroy you. You don’t have to start all over, but you do have to start right from where you are.

Don’t be hard on yourself, together we can help one another. You are never alone. Money is important but there are more important things in life too.

I was out for my daily walk today. When I go out for my walks I never listen to anything other than what’s around me. I listen to the birds and to be fully aware of my surroundings. 

This morning while out I kept thinking I heard someone walking behind me. It’s winter here now and I could hear the snow, sand and salt being crushed beneath my feet as I walked on the streets. I also use walking poles to help with my posture and they make noise as well. I did not turn around as I didn’t want to disrupt my flow or fall and or twist my body. Also for some reason I find it difficult to make conversation with someone who’s walking behind you and if you don’t know them and maybe you don’t want to know either. 

But also there’s this fear element and it did go through my mind.  I could feel myself pick up my pace a bit. Not that I was in any danger, it was a residential street and I’m in a small town and it was day light.  But my heart beat was just a little stronger which could of been from my new quickened pace. And then I calmed down and thought to myself and smiled. This is how I feel about my past. 

You’re moving along in a new direction and feel confident, standing tall. Then out of no where you hear something, it distracts you and you end up putting all your focus onto the noise. The noise of your past. Sometimes I do what I did today…pick up my pace and keep moving ahead. 

Yes, I have tried to out run my past Then there are times when I stop and face it. I tell it to leave me alone. Yelling only gets me more upset but yes I’ve done that too. There are times I’l have an actually conversation with it and try to see what it’s doing. What does it really want from me. Ignoring is another one but that’s for a very limited amount of time as it gets louder. 

It’s sole purpose is to keep us alive and you’re reading this then it’s done a great job.

Accept it and thank it for doing such a great job. 

Remember its only function is to keeps you alive, it means no harm. And it only goes on facts. It is the record keeper of everything imagined or not. Real or fake, it keeps it all; just to keep you safe. 

In order to grow you have to  provide new facts for your past. Keep moving and do what you’re heart desires., listen closely to those whispers for those are your creator speaking you. 

Anyways this morning, I kept walking and eventually turned to verify a person was behind me but waited until I had to cross the street. And there was someone else and they were just walking home. as that is what we all are doing. But I so appreciated them walking home that way so I could have the material to write this piece. 

I enjoy meeting lots of people and learning something new. it’s not my perfect way of spending my day, but it’ll come. As long as I keep my eye on the prize and stay prepared, when the opportunity comes I’ll be ready.

I really need to be more discipline when it comes to writing my book. I am a little overwhelmed when it comes to editing it. There seems to be a lot and I don’t want to make a mistake. I know that is all in my head but it’s one of my fears I am trying to face. I really need to face it head on. Lord help me.

I want to share my stories with so many other people. I understand others and can help them get through the tough challenges they are facing. You are never alone.

So how come when it comes to trying to help someone else go through their struggles I can be all there is to be. But when it comes to helping myself I feel like I am alone??? Seriously.

Last night I broke down a barrier a bit with my man and I shared how I was feeling and what I really wanted from him. But considering I had to ask  for it meant I didn’t want it right then. Because I had to ask and tell him what to do. I want to be with someone who knows what to do. How to give themselves to me. I know that really sounds selfish and it is. but why shouldn’t I be with someone who is selfless. There is taking care of yourself and then there is only taking care of yourself.

I am trying to find the balance for myself, because most of my life I’ve only been giving myself away to others and now it’s time to give back to myself. To fill my own cup.

When I’m down, who do I have to turn to for support? Do we ever really need anyone? I think so. I believe we need to reach out to others for that outside support. We are after all humans who require other human contact. In what form? I’m not too sure.

So we surround ourselves with those who are capable or not to fill this requirement. I’ve managed to eliminate everyone around me. I have managed to surround myself with no one. Nothing has really changed over the years. Before I was around others but they did not have my best interest at heart and didn’t know what I needed therefore we unable to give me anything. other than heartache. Now I’ve removed myself from these people and have only one person; my man and he’s unable to do it either. Am I asking too much for someone to love me? Am I really sending out all these mixed signals to him? Or is it that he’s not capable of giving me what I really want. I have explained it in great detail and he says he believes me and totally understands but when he needs something it’s as if he totally forgets everything that has ever been discussed up to that point. i am the nagging wife…..something I never ever wanted to be a part of. I never wanted to be. How did I get here? Why do I have to be the one who constantly reminds him of what I said yesterday, last week, last month, last year……. why?

I am really talking myself out of this fantasy I’ve created so delicately. How can this happen to me again? Or is it just my mind  playing tricks on me?  How do you know when you’re with that ‘perfect’ someone? Can you ever know for sure? I think it all comes down to feelings. The passion you have for this person, the way they make you feel. It has to be like that. Now I don’t believe you have this feeling all time, or do you? I am really struggling with this. I have so much to give. Maybe that’s it too, when you want to keep on giving even when it gets rough and you really are struggling but you still want to give. Is that the answer? How long do you keep this up however if it’s never being returned? 

I am not my past, I am not the little girl who cannot speak her mind, I am not that little girl who is scared to make someone upset by just being me.I am a grown woman, the woman I always wanted to be, the one I would dream about wishing I could be with a snap of my fingers. Well my wish is here.

If I were to go back to that place and be around those people who aren’t there for me now nor were they there for me before. It would slowly kill me again..  I am here in a much better place and I love me. I have never really said that before and meant it. But it feels good and I believe it.

I can honestly say right now that I am letting go of what there was in my past and I am opening myself up to the possibilities I have right here right now. I know I am able of great things. I’ve always known it but now I can actually see it coming true.

Remembering gratitude when you feel bad. 

In my heart of hearts I believe my son knows this as well. I know he desperately wants something better for himself, but he has to prove it to himself in his own way. I tried to protect him so much but making stronger and to believe in himself. We had to. I didn’t know any better. Today I do and I am working on me.

I have a loving man in my life, who didn’t go through the pain that I had went through, thankfully because really i wouldn’t wish that onto anyone. He supports me in the best way he can and he’s really good at it. I am blessed.

I have a healthy happy son who is learning to be really independent, just like I had taught him. Although I really wanted to be a bigger part of his life, I have to learn to trust what I taught him is serving him well. We are both learning more about ourselves these days. That’s why we are like this.

I have also 2 smaller children that are a big part of my life, what a blessing to be able to pass on the lesson’s I’ve learned so far. My husbands family shows love the way I had thought I had wanted, but nothing is perfect, so I am accepting what I am given as far as love goes. Blessings.

I know I’ve been living in my past fears on this pity train. I wanted people to love me for everything I’ve been through. I wanted others to be proud of the things I’ve overcome and being able to smile in the light of day. it’s been a struggle yes that’s for sure. But for those of us who truely overcome difficult times are those who do not dwell on it and sit in the soiled mess that was created when you didn’t know any better. When you were a baby you sat in your soiled diapers, not knowing that’s what you were doing, soon though you discovered it was uncomfortable and not enjoyable at all. You learned to get out of it and move on. You didn’t sit in it nor did you go on and on about how you use to sit in it and want others around you to feel sorry for you and say what a great joy you did.. You just did it.  I know not the best description for this but it really drives home the point. I am done with sitting in a mess and wanting others to experience the pain of being in such a mess. I am ready to put on my girl panties and be me the best I am.

Wow what a difference a few hours make, I am feeling tears trying to come up, not tears of pain, or sorrow but tears of joy. when the lows are low for me the high gets a little higher. I love it. Thank you. I can smile with gratitude in my heart and joy lurking around the corner. yippee. 

I am not my used diaper anymore. …yeah I ‘ll have to work on that one. It just doesn’t sound quite right.

When you think about it I’m really not that little girl anymore and I am really happy to have finally discover this. thank you.

Good Morning Everyone.

Here I am here at the kitchen with my lap top  and a coffee and my man here with me. Things seem to be a little better, I think we are both present and aware. At least that is what I’m hoping for.

I am sore a fair bit from ……..well probably from being out of shape. I am working on changing this and that’s why I’m sore. I am walking more and more and working-which consists of me being on my feet for hours and then I’m doing yoga. Which all is good for me but it’s really different for me for now. It’ll get better the more I do it. I love how the body responds so easily.

I have to work later on today. I really do like working there. It’s such a good fit for me. I keep it moving.

Today just seems like one of those days when I can’t really pick a topic to talk about on here.

Outside it is foggy, very heavy… I can only see the houses across the street and no further. Not sure if it’s only here in town or everywhere just because we’re so close to the water. it’s a day where you put on soft music and light a few candles..maybe a little house keeping and stay warm. There’s a change in the weather coming. I can feel it. .All change is good, it’s not something to fear it’s something to embrace. And this I do. I love change. Even that that  I do not have control over I believe I do adapt fairly well with it. I love changing locations, this is why I move a lot. I like to have different experiences and meet new people. I am finally in a place where I feel like I could belong. There are so many others here who really enjoy life and see it for it can be and do it. I love that. Last night in fact we went over to a neighbours near us here and they rent out used ski equipment.. how brilliant. she’s been doing it for years and she enjoys it. We were able to outfit 4 people for under 150 dollars and it’s not really old stuff either.

I cannot seem to stay focused on anything right now. Arg.

Back again and this time I’m on the floor after finishing my meditation practise for today. Although I may do another one later on. 

The affirmation is I Expect and accept abundance to flow freely to me today. I really love it. this meditation was very powerful for me.. I could feel and see waves of light coming to me. I could feel my power. It is very powerful. I now that might sound strange to some but some of you might get it. I understand to be true that we all have great powers within us and life is all about trying to peel back all the baggage we’ve been carrying around thinking we need it for this thing called life when in fact we already have it. It’s just been buried so deep. You life is about pulling it back and see what is really. It’s all beautiful. even the stuff we think is ugly and no one would want. But that’s not true, you born this way and somewhere really soon there’s someone out there who really needs you to be just like. And chances are they’re closer than you think. The need to see you be the real you, being just who you were born to be. This will help them to peel back their layers that they are so scared and terrified of doing in order to be their true self. There’s a cycle of life and it’s more about being authentic to ourselves and exploring who we are,learning as much as possible about who we are. To me this sounds exciting to others probably fearful of removing the coat of excuses you’ve picked out oh so carefully and have been wearing ever since. I am shedding my coat of excuses and putting nothing  else on. I know I have been given free will and I plan on using it more and more for me.  I have really big dreams and I know they are on their way.. I am preparing for when they arrive. It’s not a matter of whether they do or not it’s just a matter of timing. Now I’m not sitting around waiting for them to happen either. This is why we need to prepare. it’s a blessing to not have it arrive when we think it should. You actually maybe being protected by having it not happen right now. Perhaps it’s because there’s a storm ahead and you’re meant to sit back and wait it out in safety. Or maybe it’s because there’s an even bigger dream coming your way that you’re meant to be doing. All this preparation is paying off in ten folds and beyond. You cannot even imagine what dreams you may be able to live out… Just be open to them when they arrive. Because it’s in your thoughts is simply because you’re suppose to have them and it’s on it’s way. Be ready. Learn to remove fear… 

wow, now that’s a good start to a blog for today. Namaste.

Good Morning!

Here I am sitting at the desk, while my whole house shakes more like vibrating but nonetheless it is rather unsettling to say the least. The reason for it is due to some construction going on up the street, but I believe it’s even more than that. I believe it is trying to tell me something about myself, I need to shake things up and because I haven’t really been able to the world is going to do it for me.

Last night we went out for a walk around town and found a few more beautiful spots to enjoy mother nature and the heaven we currently live in and among… we chatted about the book I had been reading and finished yesterday as well Peace from broken Pieces by Iyanla Vanzant and my own experiences and some of my writing from yesterday. Really i think I just counsel myself and give myself advice as if I was at the therapist office. Sometimes I don’t think he’s really listening to me. Not sure if it’s intentional or just by habit, of course I find it rather annoying but I love him anyways and he has his own stuff to deal with.

Anyhow I talked my way into the best advice ever and somehow it all made perfect sense and there was no fear. … I am just doing it plain and simple. I’m not waiting, I’m not asking anymore questions about it, I’m not creating this mound of excuses for why I can’t or shouldn’t live my life as I’ve always dreamed of doing. Everything just seemed so clear and I wasn’t afraid.

I am just going to start by talking with people. I already know how to do that and love doing it. I love to entertain so I could even have a few over to the house. It’s because of all my pain and experiences that I can relate to so many people, I’ve always known this and understood that purpose but have been too scared to really pursue it. Well not anymore. I am the leader I’ve always wanted to be. I am!

Only I can be all of these things I want to be. Up until this very moment I thought I had to wait for someone else to tell me what I could do or not do…. I know crazy but it’s a pattern I learned very early on. Or I also thought up to this moment that I had to learn someone else’s and if I did learn their love & passion for it then they would love me. I tell ya I’ve spent a lot of time doing things I really wasn’t very interested in but when you don’t know any better you can’t do any better.

Now there’s’ nothing wrong with learning new things if you truly have a desire for it in the first place. It is all about your intention.

So I am excited to say that I have finally figured out a really big piece of my puzzle, I can create the life I want and or always wanted by just doing it. A big smile comes over my face.

So here we go, I want to be happy and peaceful living a serene life. this is my wish & prayer for everyone else in the world as well.

I wish to be healthy, love being active and eating well. Enjoying the freshness that the world has to offer us. What a blessing we have, through the great divine – sunshine, water we have a bountiful amount of food to choose from. These are the foods I want to enjoy and savour. Being active even living outside and being aware. Love it.

I want to share this.

I want to be my best and that includes feeling good about how I look. Washing my face, brushing my teeth….I know it sounds really odd that this needs to be included but it does. I wasn’t raised with personal hygiene being a top priority. I learned I had to put myself last…

Interesting moment here right now, I believe I’ve been waiting for someone to put me at their top priority…..yes that’s it. As I felt like I didn’t matter a whole lot growing up, I searched in a lot of wrong places for others to treat me like their number one, because I couldn’t do it myself. If at any time I would have done that it would have been really frowned upon and it was made to look like I was showing up. Which was never a good thing either.

Now being an adult I can make these decisions for myself and not have to worry anymore on who is pleased or not. I like that freedom.

Other things I wish to accomplish now with my new found spirit is I want to share my story in anyway possible. I love to share the words with feelings and hopefully learn something new or just in a different way. I wish to travel, which will probably mean I will have to become a little more comfortable with flying and maybe even alone. nodding my head on the inside… I also want to teach, I want to teach life….. I know that sounds really odd, but there’s really other way to describe it. I want to teach others how to be comfortable with who they are and who they wish to be. Or another way of putting it would be becoming more of who they really are. Opening up the awareness, shedding some light onto it and walking through the darkness. We don’t have to be alone. I can be that friend that holds your hand, I can be that one who shows you how to cook, how to decorate, what to eat, or just having someone to vent your frustrations to. for so long in my life I’ve felt totally alone and that I was the only one who was going through this or that. When in fact there’s millions of us who are going through the same thing and would have loved for someone to be there saying you can do it and I’ll be right here with you to help you if you need it. What freedom that would be.

You need to go through the pain in order to give it away. If you try to avoid and go around it it’ll just keep coming back in another form until you get it. Just go through it. Their life is none of your business it’s God’s not yours.                         

When you are broken and are frozen
in fear among the cracks of your life.
It is in those cracks where faith resides,
in the cracks where you can see the light,
and where you can finally breathe.
In faith, light fills and repairs the cracks,
a rainbow appears in the tears of hope
with the love that’s in your heart.
You are never alone.
I too live in the cracks with the light,
in the Love with God.
You are never alone.

It’s through the brokenness that we live, we cannot stay preserved behind glass and live life. We must live among the cracks, let in some air, let in  the light. Why even focus on the brokenness? Instead put your focus on the space that is open now. The space where the light is, what if there’s nothing to put back together? No one is perfect, we are all broken and this is a good thing. Beware of the one who tells you to put yourself back together. I am telling you that with the grace of the divine, faith that we are all cracked, flawed so perfectly that we are all ‘normal’ there’s nothing wrong with you, with anyone. Be weary of  the one who tells you the opposite, they are denying their own flaws, their own cracks among their life and are trying to pass their fears onto you. You are loved just as you are.

Why do we focus on what’s being broken? Why do we fear breaking?
What if we are to focus on the space in between?
Love, life exists in the space among the light.
What if we are meant to live our life breaking things?
That is where the real beauty lives, that is where living a full life is all about.
If you could love the space in between the brokenness, and not be afraid of it.To not have to hide, to not have to wait for all the pieces to be healed but instead relishing in the glory of the light. This removes the fear of breaking things…this is what living out loud is all about.

Isn’t it time? Are you ready? I am.

When you do a renovation you must break things.

Rest In Peace is the saying when someone dies and leaves this human form…but what about when we are alive? Why do we wait until we die to actually rest?

Are we ever able to rest in peace?

This morning I began writing a piece about this because I have been searching and searching for a place that would be quiet enough so I could find some peace. But I cannot turn off the noise that is running around in my head like a kid in a panic over who knows what.

Here we go I believe and know this to be true, that we are to rest in the darkness. Why? Because you cannot always live in the light, if you did you would end up being burned or simply just dry out. You need the darkness to rest. But this is what ends up happening instead. We get scared and try to get out and or avoid it and be worried about the darkness. This could be a situation that is bothering you. A thought you are having that is causing you stress, sadness etc.

Instead we should just rest.

At night in the dark what do we do? We are to rest while we sleep.

Whoa… wait a minute is what this RIP really means?? We see it on head stones in cemeteries and use it as an expression to someone who has died. But what if we we are to Rest in Peace even when we are alive.

A plant needs to rest and will do so when it’s dark . All things need to rest.

We have compliantly lost what that means and even how to do it. Meaning we have been taught how to do so.

During a stormy time in your life when things seem dark – you should be resting in peace. Perhaps sit calmly and just breathe, trust, believe there’s a purpose and you will come out of it. You’ll come through it  into the light. But we end up getting stuck trying to fight the darkness, racing to solve the puzzle first, to get a ahead to consume all we can.

We have forgotten to rest. Stop resisting what is right now. Live in the light, that is where our attention should be. Stop giving the darkness all your attention. All this darkness we have all around us is demanding for us to stop and rest. It’s getting louder and louder and yet we don’t listen, we don’t understand what is really happening.. what it really means . It’s only going to get  bigger and louder until we have no choice but to rest because we’ll be so broken. Think about it when someone breaks down or even breaks a bone..what happens?

They are to rest.

We will get so beat up and feel so broken that there will be nothing left. We will then be searching for a darker space to hide so we can finally rest.

Picture a hurt and wounded animal they’ll wander off and hide in the shadows to rest and heal.

All this wisdom we’ve learned from all these years and have passed down and we’ve missed this one.

Wow!
But hey we’ve created this magic paper to chase we call money. And how it can control people.
That’s helpful to who??

May you Rest in Peace because resting in any other way is not really resting.

I would have to say that this is why there’s a world calling for meditation and prayer. It’s a way for people to know and to experience what resting in peace really means.

What if the RIP we read on tombstones are really a message from the other side…