When you are wanting to change your life, are you also changing your environment?
What does your home say about you?
What about your transformation to and from work?
Your workplace, is it a place you enjoy?

Taking a look at these is very important. If you are wanting to stop an addiction you remove the addiction from your life. But what about as you change yourself, you age as times goes on do you also change the environment around you?

We all go through changes in our lives, but what can you change? Are you holding onto things out of guilt or pressure from family and friends? Are you keeping things in your life just out of habits?

I love changing my own environment and I think it is one of the key factors in creating lasting change in your life. First is to assess your home, the space around you. If you like it, then move on. If not then you must figure out what it is that you really want in your life. Does the space around you lift you up and make you happy? If not, then list the things you want for your home.

I have always moved, and transformed my space around me to suite my needs at the time. I am not afraid to get rid of things but I also keep the things I love and use. Most of the things in my home have multiple purposes. I love function and being efficient and always keeping in mind safety. And lastly beauty, the space will look beautiful because it works for my life today, not twenty years ago.

Create lasting change in your life by creating the space you want to be in. Stop avoiding your life and live your life today.

All this month we are sharing our home.
We are sharing how we live. What keeping a home means to us.

Welcome to our home.
All this month I am sharing my home & how we live in it. How I deal with clutter & staying organized, storage solutions.
I am talking about our environment & why it’s so important, how it sets up for success in our life or tears us down.

When I talk about environment, it means more to me than what we normally think of and this thing we need to save and yes I know it’s important and does need us to help it out and yes we do need to care more about it but we also need to look at the immediate environment that surrounds us. I am talking about our home the building in which you live in as well as your work place and even including your car or how you get to work.

We’ve all heard you are the result of the five people who hang around with the most but I am also saying you are the result of your immediate environment as well.

If you start your day hitting the snooze button and over sleeping every day and when you do get up you struggle to find the things you need to get out the door quickly, then we can all agree on that you are not starting your day very successfully. Success to me means, success in life not just in business and money. But success for your own life.

All this month I will share how my husband and I share our home. How we keep things neat and organized and safe for all. ( I am big on safety)

I never use to be like this. I actually grew up quite the opposite and perhaps that’s why I am like that now. It took me some time to get it and there are still days I struggle with it. Yes the laundry piles up, and the sink gets filled with dishes, and there are even days where I can’t find something I need. But thankfully I have more good days.

I also love having my space being fully functionable for me and my family. The space has to work for how we are going to use it. I have changed living rooms into bedrooms, and bedrooms into closets.

I have set up over twenty homes from a sprawling ranch bungalow to an upper condo, and basement apartments. Reorganized multiple business in a variety of industries to become more efficient and make more money.

Creating a home that rises to greet you as soon as you open the door, being welcomed with the first few steps inside. Having your space work for you, having the security of knowing it is safe but also looks beautiful. Your home needs to be a reflection of who you are. If you want to change your life, start with your environment. Welcome.

Do you feel like you’re downing in debt and can’t catch your breath? Has this been going on for a long time? Are you life lines being cut off? Do you fear homelessness? It seems most of us are living on the edge and just one paycheck away from being on the streets. It can happen to just about anybody.

I take this topic very seriously and I know there’s no quick fix but I know there is a fix. This is why I create Renovate-Your Life in the first place. To not only give hope and a pray but to help set up yourself for who you really want to become. We are not our circumstances, that is what happens to us when are striving to become a better version of us. Life is not all roses, and happy times, no, life is not a fairy tale. We need the balance to help remind us which direction we need to be going in. Life is working for us not against us.

Sometimes hanging on is all we can do but you have to be hanging onto something that is worth it. You my dear are worth it.

We have become a world in search of something but get distracted by what someone else wants me to see. This is why so many are lost. I say look up, look up to the light, look up to the eyes that are looking at you. See the smile from that one person who truely loves you. You matter and losing money is not the end of the world, it’s just an ending in a chapter of book that has many more chapters. Notice the things that money cannot buy. Start by looking in the mirror and see the mirror you are.

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?

As I shared last week in Steps 8 and 9, we found more money. All too often we stay stuck in fear and forget that we have other options. And debt is one of those examples that cripples us in fear and we do nothing other than worry. Which stresses us out, put strains on our work, and can damage relationships that can last a lifetime.
I wanted to shine a light on some new ways we can add value to our lives and to show you where the money is.

Picking up extra shifts at work is one of the first things, if you have a job if not get your ass out there and get one. Are you able to do something part time on top of your regular employment?

I love this exercise:
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.
Now from this list, what can do right away to make more money?

What can you can do in your community that will bring you more money? Every little bit helps.
Is there something that you already have that you can use to actually make you more money? Like a sewing machine; where you can sew for other people? Do you have a kitchen; maybe you could cook for others. Use what you have.
Get out and see where you can be useful. Is there a local community center near that you ask.

Here are some more 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. Why are you keeping a home you cannot afford? Coming home to a place that causes you stress isn’t worth it.
Get rid of the big car, you can find one without payments.

When shopping check out your local thrift store only if there’s something you need. Or see if you can get it for free. Maybe someone is getting rid of that thing you say you need.
When grocery shopping try to do so in bulk. Price match and use coupons when available.
You can even share with a friend – this is where you buy the bigger bulk items and split it as the stores sometimes sell them at a lower price.
Get creative in the kitchen, learn new recipes. Host or go to a pot-luck dinner where everyone brings something to share. Share recipes with others. Get the family involved. Let someone help.
Reuse when at all possible, stop using dishes that you just throw away. Stop using the dishwasher.
Did you know that in some areas your electricity costs more during peak hours. Do your laundry in the off peak hours. And hang up your clothes if at all possible.
Turn down your heat if you’re paying for it. Put on a sweater and an extra blanket at night when sleeping.
Do a clothing swap if you need to change your wardrobe, this is great for business attire and kids clothes if they don’t wreck them first. Purchasing kids clothes is great to do at a thrift store, they’ll grow out of it so quickly anyways.
Maybe you can find someone to trade with. If you need some help with repairs, or if you have extra of something trade with someone else in your community.
Ask if around, if you need something chances are someone may be wanting to get rid of the very thing you need.

We’ve all come through difficult times. And money is one of those things we are still learning about. They teach us how to count when we are in school but nothing about money. Having money issues is the leading cause for relationship issues, health issues, and so on. You are not your circumstances, you are the result of some choices you made along the way and those choices can be changed. You can come out of this and on the other side is a brighter side to life. Taking control over your money and finding more of it is just one way to help you along your journey.

Oh and don’t forget to check the sofa…

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 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? 

First of all what do you consider a bad thing?
We all have a different view on it however when it comes to someone taking the life of another we have a tendency to pay attention. Or at least we use to.

Let’s face it we now live in a society where it is normal to see someone die.
Just for a fun fact, count how many days in a row that you have not seen someone die or who are dead?

This shows up daily for most of us. It’s all over the news. It’s in the games we play. The movies we watch with such delight. In the books we read. We discuss it with others in great debates on how it happened and our opinion on why. Some conversations whether out loud to another or one that stays inside your head sometimes comes up with possible solutions. And within those conversations is it about taking another life?

Now within those places you view death is there someone being rewarded for doing so?
Within our school systems we teach our young all about our hero’s of our days gone by. We teach them how they killed many and of course there was a really good reason, chances are we had something to save and protect. It was us against them and the strongest seemed to survived and be rewarded for such behaviour. Does that knowledge ever leave us? In case you might forget we have holidays to celebrate and we have statues to remind us. Decades and decades later we are still celebrating this.

Big question here, don’t we all want to be remembered? Don’t we all want to have a legacy? How do we define killing someone? Isn’t a life a life? Before you attack me here listen for just a little bit longer. I can hear you say, yeah but someone people are mean and evil. Sure, OK but I am more curious about the why. We all have the same amount of good and bad within us. What makes one come out more than the other?

It wasn’t too long ago that we all rallied together in a time of tragedy and it didn’t have to be a major disaster to do so. It was when we actually knew who our neighbours were and we gathered together, working together for something greater than ourselves. We interacted more with each other. Yes, I know we interact with each other perhaps more these days but there is a huge difference on interacting with someone in person then online. There is an energy in person that cannot be hidden or intercepted. When we interact online in any fashion our energy is not being directed to the other person because there’s energy in the device we use. In person you can actually feel. And this has very little to do with people being fake online. We are all seeking attention and recognition for who we are. Who we portray ourselves to be is a whole other thing, There’s something to be said for being real and it’s pretty hard to hide when you’re in person.

Anyways the way we interact these days has a lot to do with the change in what happens in our communities. 
We have isolated ourselves and are attempting to interact through a device wanting a human connection. 

To try and make ourselves feel better we will turn outward towards anything else other than ourselves. We have a great deal of difficulty facing our own fears so instead we will turn to the ones that have been created for us. We will watch the news, we will play games, watch videos etc. And what is it that you’re actually watching? This is consumption, it’s no different on what you put into your body. Does it nourish you or make you ill?

I hate to the bearer of more bad news but the violence we are currently experiencing is only going to get worse if we don’t learn to be honest with ourselves, ask for help and learn to communication and reconnect to each other. As I always say, communication, connection, collaboration and communities are the most important features to a fulfilled life. Without it we resort to other avenues to reach any of these we feel are missing. I know this to be true because I’ve done it myself through every possible addiction there is. Which one are you missing out on?

We not only need to communicate to our neighbours but first we must be able to be honest with ourselves. Forgive yourself for not knowing any better then passing it on.
You do matter and the world needs you.

Who do we really think a hero is?

A hero comes home from fighting, or a long journey where he had to fight a dragon as the story goes.
A hero is someone who appears to fight something outside of themselves but really I believe it’s actually a fight that goes on inside of us.
When you can’t seem to get out of bed in the morning because you believe there’s nothing in this world for you. But when you step onto the floor you then become a hero.
Does a hero need to be holding a gun? Do they need to belong to a group that fights others?
What about when you want to say I love you but you’re not sure if the other person feels the same. To me that’s a hero.

Do we have to have trophy’s in order to be a hero?
What about working long shifts at work in order to be able to provide for your family, even though you know it’s not enough. You secretly think you’re a loser who can never do enough. Well you’re a hero. You go out every day and give it your best.
Coming home to your family when you were told you don’t work here anymore.
Then I go to some woman whom I know who can’t even hold a pen let alone a make up eye liner, they would never even try to come that close to their with anything sharp for fear of poking out their eyes.Because their eyes are the only way they know the world. Then I thought of another person I know who walking is a challenge and never being able run or walk along with those they love. I believe these woman to be heroes.

As you wake up in the morning and begin your day you look in the mirror and wonder where did that super hero go you had always wanted to be? Well believe me your kids believe you are that super hero.
But why don’t we celebrate the everyday hero?

A hero is someone who has courage that comes from within, the fight goes on inside us all. It’s the fight to believe that there’s more courage.
As I put on my make up to make myself feel a little better about myself and to have my man take notice of me I wonder who else is doing this? I wonder if anyone else has difficulty putting on the eye liner, trying to keep a straight line along my lashes. I believe that’s how it’s suppose to go anyways.
I then thought about woman I know and I would like to admit that I have been there myself, a time when getting out of bed seemed to be the greatest obstacle in life. However once that step is taken and the feet touch the floor you’re a hero. To the mom who takes the time to brush her teeth in silence, and look in the mirror wondering where the little girl went who dreamed of prince charming is a hero. For her prince charming now calls her mom.

To the woman who knows going to work every day means she might not be there for her children when they arrive home from school and a meeting runs late and they miss tucking them into bed. For you are the hero for sure, as your tip toe into the bedroom and pull up the blankets against their tiny little bodies, brushing their hair back whispering I love you.

To the woman who goes hungry because there’s not enough food in the house, you are a hero.
To the woman who doesn’t have children and is ok with that, you’re a hero because you’re able to speak and live in your truth.
To the woman as once myself who have lost children and now speak to as angels. You are a hero, you hold your head up when all you really want to do is lay down and cry and pray why?

We are all heroes, we all beat to the same heart. We all have lessons and challenges to go through hopefully with grace. But we are all the same, we are each others heroes, someone somewhere is looking to you for strength. I know it’s hard but try to remember that when those dark days come flooding your life.

You are a hero. xo