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?

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 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.

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.

To give someone the gift of leaving.. wow what a concept.

I have been writing this morning about those who left me.

Those in my life whom I never wanted to go and yet they left me. The great pain they caused and how different my life would have been if they stayed. All this time I have viewed it as something negative and extremely hurtful to me. For many of them I had no control (which I never do but sometimes I think do) on them staying and not for the lack of me trying.

I have always had this fear of being alone and thought it was a form of punishment that they left me but today I view it as the best gift ever.

For me I believe they all love me in a way I could not understand until now. They left me in the only way I could understand at the time. More than likely in pain and anger because that is where I was at the time. But they all knew something that I didn’t, they knew I would been all this space and so called alone time to actually figure this out (kind of).

I need all this space because of the span of my wings. They believed in me when I didn’t.

I am actually moved to tears in this moment writing this because I can truly see this as the best gift ever. 

They also believed that I was strong enough to be alone and that I would recover. They new my strength when I was only doubting it but they help me prove that I could handle it.

They somehow knew that they would weigh me down.. they all knew this. They knew I needed to fly.

Up to this very moment I had thought they all hurt me and although at the time it did cause me some pain. (OK maybe a LOT) but I did survive and went onto thrive even just a little.

Look where I am. (currently 2017 living in Ottawa in the south end in my today dream house)

I have no distractions and unlimited space and the means to create anything I desire. I am supported by the world and beyond.

Those who are “different” are only expanding the Universe which is always happening but it is those who seem to be different than the rest who are examples of what is possible. We are the manifested dreams from those who came before us. 

We are left alone to expand our wings and to fly above and soar into the unknown. The people who leave us do so out of love as they know deep down that we are more and that more space is required. You see we don’t fit into this world they are living in. We sense it early on and in most cases it causes a riff in the small society we are a part of. We are different right off the bat, early in our life. Our loved ones really don’t know what to do with us, although they do their best.

I feel so blessed to be able to understand this today. I feel so honoured to be chosen to left alone for so alone. It has allowed me to connect to even more than I ever could of imagined.

Are we meant to be alone came to my thoughts? Can this be true? Could it be that what I am experiencing is what many are searching for? I have had the thought that anyone who is alone completely alone like a monk or nun who has no contact with the outside world and or who are silent are not really serving. I actually think it’s selfish to do this or that is what I had thought.

We are all beacons of light who are serving something beyond ourselves because we are only a piece of it all.

Actually I still think that..because doing the service alone only serves who? Yourself. Unless it actually allows you to discover your purpose of the being you are. So difficult to explain.

It has taken me all this time and for the rest of my life to be the example. To go beyond the expectations of this life…to spread my wings…. to soar and expand the Universe.

I have always written and it has been challenging at times but it has been my path to see this is who I am and so much more. It has allowed to me to find the Universe inside of me..that I am the Universe. That we all are. Each one of us is our own universe and each one of us is connected beyond that.

Words and being able to express them is just one small reason why I am here.

I thought it had to be something bigger like they wanted me to be but I would not stand out .. I would have just blended in and not been seen at all. Samething would of happened if those who left me would have stayed..I would of just blended in.

I love people who leave me now. Wow.

Once I got what other people are doing out of my head I could actually find my own way.

Here we go.

It’s taken me a lot of work and self-examination inside and out to see what it is that I need for me within my own life. What carries my spirit to its fullest? It’s been a wonderful journey. Yes, there were lots of ups and quite a few downs as well, but I wouldn’t change a thing. I feel more at peace with myself. I am calmer and smile more I’m sure.  I feel more, which I didn’t  think would be possible but I do.  I give more of me from the inside. I’m not bending over backwards to help someone but giving from within. I have learned so many things about myself and I love it.

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