Money Mindset Journal by helloitsmeco

money mindset journal. a six-month plan to get your money sh*t together.

Created by Shannah Compton Game

The Money Mindset Journal is brought to you by the team at Hello, It’s Me. Help grow the money mindset movement, tag #moneymindsetjournal and spread the word! ISBN 978-0-578-65771-4

Created by Shannah Compton Game and Hello, It’s Me. Design by Abbey Ley

Printed in China First edition © 2020, Hello, It’s Me. All rights reserved. All material in this journal may not be reproduced, transmitted, or distributed in any form without the written permission of Hello, It’s Me. While the publisher has used their best efforts in preparing this journal, they make no representations or warranties with respect to the accuracy or completeness of the contents herein. The advice and strategies contained may not be suitable for your situation. You should consult with a professional where appropriate. Neither the publisher nor authors shall be liable for any loss of profit or any other commercial damages, including but not limited to special, incidental, consequential, or other damages.

Hello, It’s Me.

www.helloitsmeco.com

Hello, Itâ&#x20AC;&#x2122;s Me:

My intention for the journal:

Why are you here?

Money. You’re here because of money. It’s the reason you picked up this journal and why we need to have an open and honest discussion about some of the deep-seated money taboos that you’ve come to know. Money is a tool to help you accomplish all those things you want to do in life - nothing more, nothing less. Money does not have power over your life, but it does have the ability to change your life. Let that sink in for a second. Research has shown that it takes on average 66 days to form a new habit but could take as long as 254 days to become a daily practice. Forming better patterns around money takes time. Our plan takes you on a six-month journey to cultivate new habits and create a roadmap to radically change your mindset around not only money, but your entire life. In the Money Mindset Journal, you’re going to see your money in a new, fun, and fresh way. The best news is that you don’t have to be a math expert or financial guru to figure this thing out. Anyone can do it!

Mindset. The number one missing ingredient to achieve your money goals is your mindset. It’s a critical factor in your life and success, and yet somehow, we forget to acknowledge its importance. We’re flipping that script! Cultivating a healthy money mindset brings the power of attention to your thoughts and offers a way to move from stressed, anxious, overwhelmed, complacent (take your pick or make up your own word) to a place of peace.

Abundance. At the core, having an abundant life is about way more than money and stuff. Instead, it’s about balance in all areas of your life. Creating abundance is a four-step process: seeing the reality, releasing judgments, creating a vision, and taking steps for what could be. The Money Mindset Journal takes you through this four-step process in an easy to follow way that will help you create abundance in all areas of your life.

Visioning. You need a vision for where you want to go and what you want to do in life. Visioning is the roadmap to your future, which starts with the steps you take today. That vision could be something small, like seeing your credit card debt paid off or something big like buying your dream home. Visioning plays a key role in the Money Mindset Journal and serves as a grounding force for why we use The Plan.

Work. Let’s be real. You’ve got to do the work. No matter what your vision is, and what kind of mindset you bring to it, you need to roll up your sleeves and get to work - no need to freak out or start the armpit sweats. Rome wasn’t built in a day; so give yourself a little grace through the process. All this journal requires is a few minutes every day of focused attention to see real change happen.

You. The last and most important piece of this puzzle is YOU. This whole process comes down to you and the actions you take every day. The positive mindset you will cultivate along the way. Small steps lead to big changes. Take your first step and dig in. It’s time to bring your A-game, your B-game…any game you got! Just show up every day, do the work, and you’re going to start seeing big changes. We can’t wait to see your progress. You got this!

Contents. 8 The Foundation 9

A Money Mindset

13 The Plan 15

How to Use This Journal

16 Visioning 18 My Money Story 20 Cash Tracker 22 Quotes 24 Daily Journal 26

Money Truth or Dare

28 Reflection 30 Sample Pages 40 The Journal 92 Money Mindset Mixtape 176 Just Breathe 258 Strike A Pose 302 High-Fives 303 Happy Endings

The Foundation.

What is a money mindset? Each one of us has a money mindset, or a way we think, act and feel about money. Your money mindset is shaped by how you were raised, the decisions you’ve made, your general outlook on life, friends, family, experiences, and so much more.

“If you don’t like something change it; if you can’t change it, change the way you think about it.” - MARY ENGELBREIT Being mindful about your money, your life, your career, your relationships, etc. starts with setting aside time to regroup and direct your focus toward positive, empowering thoughts, along with taking progressive action so you can be the best version of yourself. By rewiring your thoughts, you begin to form positive habits that can lead to success. It’s not really about what you want, but what you are willing to do to get what you want—and you have to start somewhere. Your money mindset holds incredible power over you. Whether you know it or not, it already does. Your money mindset can be your best friend and tell you positive and reaffirming statements such as, “Hey, you are awesome for making that extra payment towards your credit card last week. Or, “It’s ok if you don’t get that raise, you’re doing a great job—keep at it.” These affirming thoughts can go a long way toward keeping you centered and stress-free. Your money mindset can also be your worst nightmare replaying over and over again in your mind reminding you of all the money mistakes you’ve made and affirming that “you will never get out of debt” or “you have a real shopping problem, you know.” These money lies keep you stuck in the cycles you so desperately need to break.

Cultivating a healthy money mindset through mindfulness comes from actively paying attention to what you are focusing on and any judgments you are making as a result of that focus. Mindfulness is something you can do throughout the day: while you’re at your job or exercising or making money decisions about buying a house or buying that five dollar cup of coffee. You can practice money mindfulness in big moments when you’re faced with what feels like a life-altering dilemma or in the small, in-between moments when you are making daily money decisions. The critical thing to remember is to start small. Mindfulness is like exercising a muscle. Sure, you could start with the 20-pound weights first, but chances are you won’t be able to do too many reps if any at all. Most likely, you’re going to end up discouraged and frustrated, and you probably won’t want to try again. Instead, start with two-pound weights, then move on to five-pound weights, ten-pound weights, and so on until you build muscle. Building a healthy money mindset is the same as building muscle; you need to start small. You build that healthy mindset muscle each time you choose to be kind to yourself or put $20 extra towards your debt this month. These small money mindset choices will build over time to create not only a healthier, stronger mindset but also the ability to take bigger steps. There are lots of ways to shift from a negative mindset to positive one. It starts with replacing negative thoughts with positive ones. For example, use the “This / Not That” list below as examples of how you can change negative thought patterns into positive ones. Create your own list of “This / Not That” items when negative thought patterns come up. But don’t stop there. Creating a healthy mindset is also about taking time out of your day to center yourself and focus your attention on something that is calming and nourishing to your soul.

This

Not That

I’m going to put $20 towards my debt this week

I will never get out of debt

I am going to listen to a podcast this week about women in the workplace

I don’t know how to negotiate for a raise

I am going to write a list of 10 things I love about where I live

I will never be able to buy a home

Here are a few examples of ways to add more mindfulness in your day. • • • • • • • • • •

Think kind loving thoughts about where you are at in life Do a simple breathing exercise to spur relaxation & peace Go for a gratitude walk and list 10 things you’re grateful for Head to a yoga class to clear your mind Listen to a playlist that inspires you Meditate for at least 10 minutes with your favorite app Stop what you are doing and reconnect with your goals Remind yourself of all the good decisions you have made this year Cook a great meal and savor each bite Do something different that works for you in your life

When you are mindful of your money, you are actively deciding where to put your focus. Redirecting your focus puts you in the driver’s seat to make decisions about how you will spend your money, what goals are important in your life, and how you choose to frame your current money situation. It doesn’t mean that you will never have a setback or a slip-up. Instead, a good money mindset is the art of making peace with your money and the decisions you have made. Knowing that when you do slip-up, you dust yourself off, refocus your goals, and move forward without all the negative self-talk. Real change comes from being mindful every day and choosing to focus on positive thoughts like, “it’s ok, I’ll make a better decision next time.” Or, heading out for a walk when you find yourself stressed out and anxious about money. You will be surprised at the amount of change and progress you can make in your life once you commit to get in a good relationship with your money mindset.

The Plan It all starts with a plan. You want to run a marathon? You need a plan. You want to lose weight? You need a plan You want to write a book or start a business? You need a plan. Every money goal also needs a plan. You want to pay off debt, buy a house, buy that new pair of shoes you’ve been eyeing, or maybe replace the couch your parents gave you in college? You need a plan. Any money goal in life needs a plan. The plan you’ll find in these pages is one that I’ve developed over the last 15 years as an entrepreneur, a Certified Financial Planner, money expert, Millennial Money podcast host, and someone who has a lot of goals to accomplish in life. I’ve worked with all kinds of people and personalities. I’ve studied people who have achieved goals right and left, people who have struggled to achieve any goals, people who have made a ton of money, and people who have lived paycheck-to-paycheck. What I have found, regardless of income, job title, or stage in life, are two powerful connections to success: your mindset and small daily action steps. In case you haven’t noticed, money is a bit of a taboo topic. We don’t talk about money, but we should. Because talking about something clears the air. It brings a sense of “it’s going to be ok” to the problem. It allows breathing room, creativity, and innovation around an obstacle. So, let’s talk about it. Let’s get to the bottom of your goals, your dreams, your desires, and everything in between. Let’s understand why you make certain money choices and don’t make others. Let’s take away the judgment, fear, and stress around money and create a solid action plan day-by-day to achieve your goals - big or small.

Let this journal inspire you to reach beyond your bank account balance and realize that every goal is possible with daily habits and a positive money mindset. Now that you are inspired to tackle your dreams, I’m here to remind you that your journey won’t be perfect, but that’s ok. No journey is ever perfect. You will make mistakes. It will be hard at times. Building a new mindset around money is not easy, but it will be so rewarding at the end. It may sound pretty crazy, but have fun in this process. You make a mistake, laugh it off. You get scared and don’t want to confront something inside of you, laugh it off and move on and try, try again. Life should be fun. Money is fun! And we guarantee if you picked up this book, you’re fun, too. So...let’s have FUN! “Life moves pretty fast. If you don’t stop and look around once in a while, you could miss it.” - FERRIS BUELLER Let’s be creative with this whole life-changing process. Let’s draw, let’s dream, let’s plan, and let’s achieve together here. Welcome to the party; it’s time to get your shi*t together - let’s get this thing started!

How to use this journal.

STEP 1

Visioning

This plan is different because it starts with a vision. Before you even turn the page or fill in a single date or detail in this journal, begin your journey by envisioning your future you. Consider the way you want to feel when you wake up in the morning. Think about your biggest (and smallest) aspirations in life. What is one goal you keep writing on your list year after year that you finally want to accomplish? Who is the version of you that you want to be? Start at the beginning with the Visioning section. This section is the place to unleash your inner Picasso and visualize the future you. Creative visualization is one of the best ways to manifest all those dreams and goals you have deep in your soul. Think of it as a vision board that you can add to throughout the next six months as creativity and inspiration spark. So, go big here and manifest like crazy! Here are a few ways you can use the Visioning section: • • • •

Draw a picture of the future you Write or draw a goal you want to achieve (or multiple!) Write inspirational words or mantras Cut out pictures and sayings to make a collage of the life you envision • Put a picture of a person, place, or thing that inspires you • Leave it blank and create another place in your house to help you visualize your future Whatever you choose to create, be specific, and be bold with the intentions you set for yourself. You do you!

STEP 2

My Money Story

Understanding where you’ve come from is pivotal to forming a healthy money mindset and working towards your goals. My Money Story is where you can really begin to dive into your thoughts and experiences with money as well as your current feelings around the topic. Use the prompts for jogging your memory and writing as many things that come to your mind over the next six months. This section is where you will start to understand why you think, act, and feel the way you do about money. Most importantly, don’t judge or beat yourself up over your money story. That’s the past and we’re leaving it behind. Wave goodbye to all those old feelings!

STEP 3

Cash Tracker + Monthly Intentions

Make sure you start each month with a clear view of your current financial status, planned expenses, and money goals. Take a few minutes to fill in the My Monthly Intentions, I Think I’ll Make and I Think I’ll Spend sections of the Cash Tracker. The My Monthly Intentions section is the place to choose a word of the month to focus on, pick a big goal for the month, analyze what might be keeping you stuck, and visualize how wonderful you will feel at the end of the month. The I Think I’ll Make and I Think I’ll Spend sections are a convenient place to jot down the income and expenses that you think will happen throughout the month. Hint: just use numbers from the previous month to complete this section quickly – put in your best guess. Add in normal expenses like eating out, groceries, utilities, and loan payments as well as extra expenses that you expect this month like car insurance, taxes, an upcoming vacation, the dog swallowed the remote, etc. You’ll come back to complete the sections, I Did Make and I Did Spend, at the end of the month. Finally, go back to the I Did Make and I Did Spend sections of the Cash Tracker. Filling these out should take you 20-30 minutes each month. Use a mobile budgeting app or simply print off your monthly bank statement and add up how much you actually spent in each category. Once you have all the numbers filled in, compare each category: I Think I’ll Spend vs. I Did Spend. Do you see any patterns emerge? Are there areas of your spending where you need to establish a boundary? What went right and what didn’t go the way you thought it would? Seeing your numbers, loud and clear, is the best way to bring about real change.

STEP 4

Quotes

Be inspired by the monthly Quotes. Tear out the quote at the beginning of each month and frame it, put it on your fridge or put it some place that will inspire you. Even better - share it on social media, share it with a friend, add it to your visioning section, or journal about how it makes you feel in the back of this journal. The more you talk about and process through the steps in this journal, the more impact it will have on your mindset.

STEP 5

Daily Journal

The Daily Journal pages are where you will set goals, track your progress, and process your feelings. Perfection is not the goal here; perfection is overrated. The goal is to set one single goal for the day. It can be small, like checking your bank account balance, moving money to your savings account, focusing on positive thinking, or finally making it to spin class. If youâ&#x20AC;&#x2122;re really feeling it, you can start setting bigger goals like finishing your business plan, negotiating for a more substantial salary, signing a contract to buy a home, or finally paying off your last bit of student loan debt. Each day is a fresh new start. Begin by setting your goal for the day and writing down the action steps you will take to achieve that goal. The action steps can be simple like getting yourself pumped up by listening to your favorite song or more complex like researching banks with the best savings accounts. Keep your action steps focused on the goal you set and check off the steps you have taken that day as you tuck yourself in at night. The practice of writing down a daily goal along with a few action steps and always focusing on gratitude keeps you motivated, focused, and cultivates a mindset of progress. Gratitude is a key component to living a happy and fulfilled life. Gratitude and being grateful is about a lot more than just money. Gratitude is the act of being thankful for where you live, the people in your life, your health and more. Go ahead and list a few things you are grateful for today to remind yourself of all the wonderful things in your life. Come back to the journal before you go to sleep and take a few minutes to list three moments of awesome in your day like snagging that front parking spot, or landing a new work project. Finally, conclude with filling in the Word up section with one word to describe your day in a nutshell.

STEP 6

Money Truth or Dare

Since this process is about growth, we’ve included a weekly challenge for you along the way. At the end of each week, choose a Money Truth or Dare. Don’t worry, we won’t make you sell your possessions, reveal your bank account balance to your friends on social media, or even make you go to work in your pajamas. But we will challenge you to take steps that will improve your money mindset and push you (sometimes gently, sometimes not) towards financial goals that will bring you closer to the life you want to live and the person you want to be. And maybe, just maybe, we’re going to help you invite people into this journey with you because having a healthy money mindset isn’t just for you and me. Let’s change the way we all think about money.

STEP 7

Reflection

To wrap up the month, answer the two prompts provided in the Month in Review section and fill in your I am / I have affirmation list. These are positive affirmations that you will carry through to the next month. For example: • I am paying off my credit card debt • I have run my first marathon • I have negotiated for a higher salary • I am active and choose to take the stairs each day And so on. Write down as many big or small positive affirmations that you want to focus on for the next month.

Keep it Up! Don’t stop there. Continue to cultivate your new healthy mindset around money with practices like meditation, talking to a friend, going to therapy, reading a good book, or connecting with nature on a hike. Stay mindful of any negative self-talk or judgment that might rise to the surface. It happens to the best of us; so when it does, think kind and loving thoughts about where you are in your life and what changes you’ve already made thus far. Committing to this journal is a huge step forward in your journey. Remember, money is just a tool to help us live the life we want to live. “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” —AYN RAND

Sample Pages. Here are sample journal pages from our daily and monthly practice to give you a feel for how you can use the journal. Use these sample pages as your guide and then make them your own. This process is all about you and your success.

My Monthly Intentions Month:

July

My word of the month is:

Fearless

My big goal for the month is:

My goal this month is to intentionally check my ATM receipts and bank account each week so I know where money is going, AND I wonâ&#x20AC;&#x2122;t freak out each time.

What is holding me back?

I hate looking at my ATM receipts or bank statement. My anxiety goes through the roof every time I have to check it, so I usually donâ&#x20AC;&#x2122;t. I always fight the feeling of what amount my brain is telling me that I should have in my account. Is there a magic number? NO, I need to stay in my own lane and not let those crazy voices in my head dictate my emotions and actions. How do I want to feel at the end of the month?

At peace with my new routines, new discoveries about myself and direction in life I am headed.

Date:

7-3-19

How I’m feeling this morning:

Excited for summer to really begin with the holiday! Looking forward to some days off from the office and relaxing in the sun. My summer is about creating my new mindset and changing the direction of my life. Daily goal:

Get out of my head of so much worry and focus on having fun and setting intentional goals for the year ahead. My friend Elsa always tells me to let it go...so I will. Action steps:

1 Read 2 chapters in Big Magic 2 Set a spending limit for dinner tonight, but be ok if it goes over 3 Taking a deep dive into ME by journaling about my goals for the year and set a timeline

to achieve them

I’m grateful for:

1 Days off from work with a cocktail in my hand 2 Rest, restore and reset my mind, body, and soul 3 We have a pool in our condo complex and that’s where I can be found the rest of the weekend

“Dream up the kind of world you want to live in. Dream out loud.” - BONO Today’s moments of awesome:

1 Actually read 4 chapters in Big Magic 2 Meditated in the sun today about my goals without interruptions, then took a nap 3 Went for the crab legs (bib and all) at dinner and didn’t worry about the cost Word up: Unfrozen (it’s so a word) 32

Month in Review This month I felt like a winner when…

I was genuinely able to relax and live in the moment. I feel like I struggle with this so much and I don’t understand why. Being productive in the morning and sticking to my routine makes me feel more grounded and focused...I’m really going to try to stick with it throughout next month. but I’m still working on...

Anxiety. It seems to sneak up on me a little bit every day. I don’t even know what I am anxious about half the time. I’m also still working on not worrying about our outstanding credit card debt. I know it will get paid off. Still working on metally being ok with being a work in progress. My affirmations, I (am, have): 1

I have regularly looked at my bank statements

I have learned how to make pasta from scratch

I am happy with my body image, even after the pasta

I am no longer afraid of making mistakes

I have worked out at least 3 times a week

I told 10 friends they need to buy this journal

I am starting to chip away at my credit card debt - baby steps

I am meditating each night before I go to sleep to calm my active brain

9 10

I saved $500 in my travel account for my sister’s wedding in Cabo I am more disciplined than I ever thought I could be 33

Cash Tracker Month

Income

I think Iâ&#x20AC;&#x2122;ll make

I did make

Salary / Bonus

$6,500

Self-Employment

$2,200

$1,800

$8,500

$8,300

Total Income

July

Fixed Expenses

I think Iâ&#x20AC;&#x2DC;ll spend

I did spend

Savings

$850

$500

Mortgage

$2,200

Car Payment

$317

Student Loan

$697

House Maintenance

$125

$156

Car Insurance

$350

Life Insurance

$35

Total Fixed Expenses

$4,574

$4,255

Variable Expenses

I think Iâ&#x20AC;&#x2122;ll spend

Eating Out

$250

$350

Groceries

$400

$425

Gas Bill

$50

$35

Electric Bill

$125

Cable/Internet

$160

Phone Bill

$220

$220 $35

Books and Supplies Clothing

$100

$75

Vacation/Travel

$500

$400

Credit Card

$600

ATM Withdraws

$240

$300

Entertainment

$75

Gifts

$25

Household

$33

Total Variable Expenses

I did spend

$2,645

$2,858

Monthly Summary Totals

Projected

Actual

Income

$8,700

$8,300

Fixed Expenses

$4,574

$4,255

Variable Expenses

$2,645

$2,858

Difference in Income vs Expense (NET)

$1,481

$1,187

Notes:

Iâ&#x20AC;&#x2122;m just telling myself to let it go and donâ&#x20AC;&#x2122;t be so worried about my money situtation!!

Money Timeline

Start

Age 7: Started my first lemonade stand Age 6: Parents would fight about money Age 16: Got my brothers old car “the Mule” Age 16: Gas money and insurance for my crappy car

Age 22: Graduated college Age 22: College student loan debt isn’t really cool

Age 23: Landed my first full-time job

Age 30: Quit my job to go freelance Age 31: Took out money from my 401(k) for a down payment on a new car Age 33: Finally decided my career path Age 33: Working freelance and being my own boss was tough 38

Age 8: Filled my Scrooge McDuck piggy bank Age 9: Shocker, parents got divorced Age 10: Went to my first Wiggles concert Age 17: My first paycheck from delivering pizza Age 18: After high school graduation, blew savings on epic Cabo trip

Age 18: Got my first credit card and maxed it out Age 25: Started putting money in my 401(k) Age 26: Got promoted Age 38: Landed my dream job Today

Age 37: Moved to New York, how much is my rent? 39

The Journal. HERE WE GO!

The Power of My Money Story It’s true, we all have a money story. You may have never taken the time to examine yours, but it’s there. It’s a part of you just like your DNA and your love of all things chocolate, or chips for all you salt fiends. Your money story is powerful. Whether you know it or not, your money story has shaped how you think, act, and feel about money. Let that sink in for a moment. If you’re going to crush your money goals, you need to take some time to think about and write down your money story. Start by answering a few of the questions listed below. You can come back at any time in the next six months to look over your answers, fill in the blanks, and add more detail as it comes to you. Remember, all the mistakes, the expectations of others and the negative inner thoughts we all tell ourselves are GONE - it’s time for your new story to begin and who better to create such a story than YOU!

My Money Story How did your parents (or whoever raised you) feel about money?

Did you talk about money in your house? Why or why not?

Are there any moments you remember as a child when you had positive or negative thoughts about money? Explain.

What money patterns, good or bad, do you see yourself repeating that you learned as a child?

How did your family approach saving, spending, and giving away money?

What money message(s) did your mom pass down to you?

What money message(s) did your dad pass down to you?

What positive or negative lessons about money have you learned from people outside of your family?

What has your experience been with credit cards?

When, if ever, have you incurred debt? How did it impact your life practically or emotionally?

How is money currently impacting your life? List all the highs and lows, donâ&#x20AC;&#x2122;t leave anything out.

What thoughts or emotions come to mind when you think about money today?

What do you want your future money story to be?

Money Timeline Just like seeing the real numbers is the only way to activate real change, seeing your story written out from beginning to end is a great way to grasp your money story visually. Using the prompts provided on this timeline, start by filling in your thoughts or experiences with money for each age listed. Write positive money experiences above the line and negative money experiences below the line. As more details come to you, fill in as much of your timeline as possible to help you see the journey youâ&#x20AC;&#x2122;ve been on. Examples: + Positive: Got my first job - Negative: Got into credit card debt after college + Positive: Bought my first home - Negative: Incurred a ton of medical debt (a baby, surgery, etc.) Tip: Consider using a pencil for this exercise in case you need to go back to add, edit, or fill in more details later.

Money Timeline

Start

Today

Visioning Use this space to write, draw, post pictures, whatever your heart desires to create a vision for the next six months of your life. Continue adding to it as you feel inspired and make sure to put it somewhere you will see regularly as a daily reminder of your goals.

My Monthly Intentions Month: My word of the month is:

My big goal for the month is:

What is holding me back?

How do I want to feel at the end of the month?

Monthly Quote.

You are capable of so much more than we usually dare to imagine SHARON SALZBERG

Hello, Itâ&#x20AC;&#x2122;s Me. 54

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The new year stands before us, like a chapter in a book, waiting to be written.” - MELODY BEATTIE

Today’s moments of awesome: 1 2 3

Word up: 55

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The secret of change is to focus all of your energy, not on fighting the old but on building the new.” - DAN MILLMAN

Today’s moments of awesome: 1 2 3

Word up: 56

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The future is unwritten.” - JOE STRUMMER

Today’s moments of awesome: 1 2 3

Word up: 57

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“All great achievements require time.” - MAYA ANGELOU

Today’s moments of awesome: 1 2 3

Word up: 58

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Yes, it is possible to have a happy mindset and emotion when it comes to money. It comes from the inside before the money even flows your way.” - KEN HONDA Today’s moments of awesome: 1 2 3

Word up: 59

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 “I love money. I love everything about it. I bought some pretty good stuff. Got me a $300 pair of socks. Got a fur sink. An electric dog polisher. A gasoline powered turtleneck sweater. And, of course, I bought some dumb stuff, too.” - STEVE MARTIN Today’s moments of awesome: 1 2 3

Word up: 60

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

Pick One TRUTH: What is your biggest financial regret? DARE: Look at your bank account balance and breathe.

Today’s moments of awesome: 1 2 3

Word up: 61

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Mindfulness gives you time. Time gives you choices. Choices skillfully made, lead to freedom.” - HENEPOLA GUNARATANA

Today’s moments of awesome: 1 2 3

Word up: 62

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“If you’re scared to take chances, you’ll never have the answers.” - NAS

Today’s moments of awesome: 1 2 3

Word up: 63

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Everything that happens is from now on.” - BON IVER

Today’s moments of awesome: 1 2 3

Word up: 64

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The worst thing that you can do about a situation is nothing.” - ICE CUBE

Today’s moments of awesome: 1 2 3

Word up: 65

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“When you realize it’s your responsibility to be a leader and create the world you want to see, you have to do it.” - JANELLE MONÁE

Today’s moments of awesome: 1 2 3

Word up: 66

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Once you replace negative thoughts with positive ones, you’ll start having positive results.” - WILLIE NELSON

Today’s moments of awesome: 1 2 3

Word up: 67

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

Pick One TRUTH: Which area of your finances needs the most attention? DARE: Spend 30 minutes exercising today to release stress.

Today’s moments of awesome: 1 2 3

Word up: 68

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Someone else’s success does not equal a failure for you.” - JOE ROGAN

Today’s moments of awesome: 1 2 3

Word up: 69

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“What you seek is seeking you.” - RUMI

Today’s moments of awesome: 1 2 3

Word up: 70

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Create whatever causes a revolution in your heart. The rest will take care of itself. ” - ELIZABETH GILBERT

Today’s moments of awesome: 1 2 3

Word up: 71

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Believe in yourself and there will come a day when others will have no choice but to believe with you.” - CYNTHIA KERSEY

Today’s moments of awesome: 1 2 3

Word up: 72

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The dream is free, but the hustle is sold separately.” - STEVE HARVEY

Today’s moments of awesome: 1 2 3

Word up: 73

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“It’s our challenges and obstacles that give us layers of depth and make us interesting. Are they fun when they happen? No. But they are what make us unique. And that’s what I know for sure… I think.” - ELLEN DEGENERES Today’s moments of awesome: 1 2 3

Word up: 74

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

Pick One TRUTH: Is the way you spend money causing you or others stress? DARE: Take $20 from your bank account and move it to your savings.

Today’s moments of awesome: 1 2 3

Word up: 75

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Discovering the truth about ourselves is a lifetime’s work, but it’s worth the effort.” - FRED ROGERS

Today’s moments of awesome: 1 2 3

Word up: 76

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The cynics may be the loudest voices - but I promise you, they will accomplish the least. ” - BARACK OBAMA

Today’s moments of awesome: 1 2 3

Word up: 77

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Dare to dance, leave shame at home.” - HAWAIIAN PROVERB

Today’s moments of awesome: 1 2 3

Word up: 78

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“If you don’t like something, change it; if you can’t change it, change the way you think about it.” - MARY ENGELBREIT

Today’s moments of awesome: 1 2 3

Word up: 79

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Not everything that’s faced can be changed, but nothing can be changed that is not faced.” - JAMES BALDWIN

Today’s moments of awesome: 1 2 3

Word up: 80

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Our lives are nothing but a short span of time. And if we spend tons of time earning money that we simply throw away, then we’re throwing away part of our potential.” - RABBI SHMULEY BOTEACH Today’s moments of awesome: 1 2 3

Word up: 81

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 Pick One TRUTH: How has being more mindful of your finances benefited you since starting this journey? DARE: Change up one thing in your routine today or do one thing that scares you. Today’s moments of awesome: 1 2 3

Word up: 82

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Deciding what you’re not before you decide what you are, let’s you stand strong in your own category.” - QUESTLOVE

Today’s moments of awesome: 1 2 3

Word up: 83

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Believe in yourself already - damn!” - UNKNOWN

Today’s moments of awesome: 1 2 3

Word up: 84

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“You must find the place inside yourself where nothing is impossible.” - DEEPAK CHOPRA

Today’s moments of awesome: 1 2 3

Word up: 85

Cash Tracker Month

Income

Total Income

I think Iâ&#x20AC;&#x2122;ll make

I did make

Fixed Expenses

I think Iâ&#x20AC;&#x2DC;ll spend

I did spend

Total Fixed Expenses

Variable Expenses

Total Variable Expenses

I think Iâ&#x20AC;&#x2122;ll spend

I did spend

Monthly Summary Totals

Projected

Actual

Income Fixed Expenses Variable Expenses Difference in Income vs Expense (NET)

Notes:

Month in Review This month I felt like a winner whenâ&#x20AC;Ś

but Iâ&#x20AC;&#x2122;m still working on...

My affirmations, I (am, have): 1 2 3 4 5 6 7 8 9 10

Notes:

y e n o M t e s d n i M e p a t mix

Welcome to the end of month one! Youâ&#x20AC;&#x2122;ve done an awesome job so far getting your money sh*t together. Tackling all these money and life issues will likely be stressful over the next few months. Music can affect our bodies and emotions in many health-promoting ways. Similarly, music also has beneficial effects on our physiological functions, slowing the pulse and heart rate, lowering blood pressure, and decreasing the levels of stress hormones. At the same time, productivity increases when stress is reduced in the body. So, we created a playlist to relieve some stress, as well to inspire, motivate, and pump you up along your journey.

1. A Head Full of Dreams - Coldplay 2. Money in the Way - 2 Chainz 3. Now or Never - Halsey 4. Good As Hell - Lizzo 5. DNA. - Kendrick Lamar 6. Light On - Maggie Rogers 7. Work - Rihanna (feat. Drake) 8. Just Like Fire - P!nk 9. Patience - Tame Impala 10. Faith - Bon Iver 11. Changes - David Bowie 12. Shake It Out - Florence + the Machine 13. Dreaming - Blondie 14. If I Ruled The World (Imagine That) - Nas (feat. Lauryn Hill) 15. Run the World (Girls) - Beyonce 16. Hold On - Alabama Shakes 17. Get Up, Stand Up - Bob Marley and the Wailers 18. Work It - Missy Elliott 19. Higher Ground - Stevie Wonder 20. Learn To Fly - Foo Fighters

21. Tell The Truth - The Avett Brothers 22. Lust For Life - Iggy Pop 23. Dreams - The Cranberries 24. I Will Survive - Cake 25. Started From the Bottom - Drake 26. Bounce Back - Big Sean 27. Scars to Your Beautiful - Alessia Cara 28. Come As You Are - Nirvana 29. Baby I’m A Star - Prince 30. You Need To Calm Down - Taylor Swift 31. Master Of My Life - Eden Espinosa 32. Move - Saint Motel 33. This Life - Vampire Weekend 34. Bad Reputation - Joan Jett & The Blackhearts 35. Not Afraid - Eminem 36. 9 to 5 - Dolly Parton 37. I Still Haven’t Found What I’m Looking For - U2 38. I Won’t Back Down - Tom Petty 39. Follow Your Arrow - Kacey Musgraves 40. Dragons - Drew Holcomb & the Neighbors (feat. The Lone Bellow)

Check out our full Money Mindset Mixtape playlist: http://bit.ly/helloitsmeplaylist You can also scan this code with your smartphone to open up the playlist with Spotify:

My Monthly Intentions Month: My word of the month is:

My big goal for the month is:

What is holding me back?

How do I want to feel at the end of the month?

Monthly Quote.

Life’s like a movie, write your own ending KERMIT THE FROG

Hello, It’s Me 98

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The reason I’ve been able to be so financially successful is my focus has never, ever for one minute been money.” - OPRAH WINFREY

Today’s moments of awesome: 1 2 3

Word up: 99

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“It always seems impossible until it’s done.” - NELSON MANDELA

Today’s moments of awesome: 1 2 3

Word up: 100

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“If what you’ve done is stupid, but it works, then it really isn’t all that stupid.” - DAVID LETTERMAN

Today’s moments of awesome: 1 2 3

Word up: 101

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

Pick One TRUTH: Are you making the most of your experience with this journal? DARE: Take 5 minutes and write down your biggest money regrets, then tear up the piece of paper.

Today’s moments of awesome: 1 2 3

Word up: 102

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“I say I am stronger than fear.” - MALALA YOUSAFZAI

Today’s moments of awesome: 1 2 3

Word up: 103

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Free your chi!” - HOLLI RABISHAW

Today’s moments of awesome: 1 2 3

Word up: 104

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The difference between doing something and not doing something is doing something.” - JAMES CORDON

Today’s moments of awesome: 1 2 3

Word up: 105

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Success isn’t about how much money you make. It’s about the difference you make in people’s lives.” - MICHELLE OBAMA

Today’s moments of awesome: 1 2 3

Word up: 106

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“When I was growing up I always wanted to be someone. Now I realize I should have been more specific.” - LILY TOMLIN

Today’s moments of awesome: 1 2 3

Word up: 107

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“If everything was perfect, you would never learn and you would never grow.” - BEYONCÉ KNOWLES

Today’s moments of awesome: 1 2 3

Word up: 108

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

Pick One TRUTH: Is your job the best fit for your financial goals? DARE: Share an inspiring quote on social media with a photo of your journal and tag #moneymindsetjournal to let people in on your journey.

Today’s moments of awesome: 1 2 3

Word up: 109

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The future depends on what you do today.” - MAHATMA GANDHI

Today’s moments of awesome: 1 2 3

Word up: 110

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Dream up the kind of world you want to live in. Dream out loud.” - BONO

Today’s moments of awesome: 1 2 3

Word up: 111

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“It is better to spend money like there’s no tomorrow than to spend tonight like there’s no money.” - IRISH PROVERB

Today’s moments of awesome: 1 2 3

Word up: 112

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“That without experimentation, a willingness to ask questions and try new things, we shall surely become static, repetitive, and moribund.” - ANTHONY BOURDAIN

Today’s moments of awesome: 1 2 3

Word up: 113

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The way to get started is to quit talking and begin doing.” - WALT DISNEY

Today’s moments of awesome: 1 2 3

Word up: 114

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“We can’t change the world until we change ourselves.” - BIGGIE SMALLS

Today’s moments of awesome: 1 2 3

Word up: 115

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

Pick One TRUTH: When or where do you spend the most money? DARE: Write down the interest rates for all your debts.

Today’s moments of awesome: 1 2 3

Word up: 116

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“So you’re telling me there’s a chance. Yeah!” - LLOYD CHRISTMAS

Today’s moments of awesome: 1 2 3

Word up: 117

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“When you stop chasing the wrong things, you give the right things a chance to catch you.” - LOLLY DASKAL

Today’s moments of awesome: 1 2 3

Word up: 118

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Talk about a dream, try and make it real.” - BRUCE SPRINGSTEEN

Today’s moments of awesome: 1 2 3

Word up: 119

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Being vulnerable is not a sign of weakness. It is a sign of strength. It shows you are in tune with yourself, which is the sexiest thing to men or women.” - KARAMO BROWN Today’s moments of awesome: 1 2 3

Word up: 120

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Everybody is always in the middle of their own opera.” - GRETA GERWIG

Today’s moments of awesome: 1 2 3

Word up: 121

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“When you have one foot in the future and the other in the past, you piss on the present.” - DAN HARRIS

Today’s moments of awesome: 1 2 3

Word up: 122

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 Pick One TRUTH: Is now a good time to negotiate for a raise? If not, how can you start preparing for that time? DARE: Listen to one podcast episode today about a topic you want to know more about. Today’s moments of awesome: 1 2 3

Word up: 123

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Storms make trees take deeper roots.” - DOLLY PARTON

Today’s moments of awesome: 1 2 3

Word up: 124

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“7.5 billion people in the world and you let the opinion of 1 stop your good energy? You’re better than that.” - ERIC THOMAS

Today’s moments of awesome: 1 2 3

Word up: 125

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Instant illumination rarely happens. Your tiny revelations will seep in stitch by stitch. Rest the reaching.” - VICTORIA ERICKSON

Today’s moments of awesome: 1 2 3

Word up: 126

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Life is like a ten-speed bicycle... most of us have gears we never use.” - LINUS VAN PELT

Today’s moments of awesome: 1 2 3

Word up: 127

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“If your dream only includes you, it’s too small.” - AVA DUVERNAY

Today’s moments of awesome: 1 2 3

Word up: 128

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“You are perfectly cast in your life. I can’t imagine anyone but you in the role. Go play.” - LIN-MANUEL MIRANDA

Today’s moments of awesome: 1 2 3

Word up: 129

Cash Tracker Month

Income

Total Income

130

I think Iâ&#x20AC;&#x2122;ll make

I did make

Fixed Expenses

I think Iâ&#x20AC;&#x2DC;ll spend

I did spend

Total Fixed Expenses

131

Variable Expenses

Total Variable Expenses

132

I think Iâ&#x20AC;&#x2122;ll spend

I did spend

Monthly Summary Totals

Projected

Actual

Income Fixed Expenses Variable Expenses Difference in Income vs Expense (NET)

Notes:

133

Month in Review This month I felt like a winner whenâ&#x20AC;Ś

but Iâ&#x20AC;&#x2122;m still working on...

My affirmations, I (am, have): 1 2 3 4 5 6 7 8 9 10

134

Notes:

135

My Monthly Intentions Month: My word of the month is:

My big goal for the month is:

What is holding me back?

How do I want to feel at the end of the month?

136

Monthly Quote.

137

Go slay all the dragons that stand in your way D R E W H O LCO M B

Hello, Itâ&#x20AC;&#x2122;s Me 138

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Be patient. You’ll know when it’s time for you to wake up and move ahead.” - RAM DASS

Today’s moments of awesome: 1 2 3

Word up: 139

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“On a mission your worst enemy is idle time.” - NIPSEY HUSSLE

Today’s moments of awesome: 1 2 3

Word up: 140

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“It’s all about where your mind’s at.” - KELLY SLATER

Today’s moments of awesome: 1 2 3

Word up: 141

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Stay aware, listen carefully, and yell for help if you need it.” - JUDY BLUME

Today’s moments of awesome: 1 2 3

Word up: 142

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Imagine all the things we could be if we weren’t controlled by insecurity.” - BRIDGETT DEVOUE

Today’s moments of awesome: 1 2 3

Word up: 143

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The more relaxed you are, the better you are at everything: the better you are with your loved ones, the better you are with your enemies, the better you are at your job, the better you are with yourself.” - BILL MURRAY Today’s moments of awesome: 1 2 3

Word up: 144

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Just keep swimming.” - DORY

Today’s moments of awesome: 1 2 3

Word up: 145

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 Pick One TRUTH: Are you more resourceful or more wasteful? What change can you make today to become more resourceful? DARE: Increase your savings or retirement contribution by 1%

Today’s moments of awesome: 1 2 3

Word up: 146

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“It’s crucial that people understand the importance of financial literacy, because it’s actually life saving.” - MELLODY HOBSON

Today’s moments of awesome: 1 2 3

Word up: 147

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“One day I will find the right words, and they will be simple.” - JACK KEROUAC

Today’s moments of awesome: 1 2 3

Word up: 148

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Nobody really knows what they’re doing. Some are just better at pretending like they do.” - KUMAIL NANJIANI

Today’s moments of awesome: 1 2 3

Word up: 149

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“When you become the image of your own imagination, it’s the most powerful thing you could ever do.” - RUPAUL

Today’s moments of awesome: 1 2 3

Word up: 150

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“One moment can change a day, one day can change a life, and one life can change the world.” - BUDDHA

Today’s moments of awesome: 1 2 3

Word up: 151

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“A little nonsense now and then is relished by the wisest men.” - WILLY WONKA

Today’s moments of awesome: 1 2 3

Word up: 152

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 Pick One TRUTH: What is your biggest money goal? DARE: Track your spending on food this week and set a goal for how much you plan to spend next week.

Today’s moments of awesome: 1 2 3

Word up: 153

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“You deserve to feel good as hell. We deserve to feel good as hell.” - LIZZO

Today’s moments of awesome: 1 2 3

Word up: 154

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“I don’t think you can be good in life without acknowledging the part of you that isn’t good.” - JEFF TWEEDY

Today’s moments of awesome: 1 2 3

Word up: 155

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“You can dance in a hurricane, but only if you’re standing in the eye.” - BRANDI CARLILE

Today’s moments of awesome: 1 2 3

Word up: 156

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“I’m really fine with the peaks and valleys. It’s the valleys that make me, force me to reach further.” - CHER

Today’s moments of awesome: 1 2 3

Word up: 157

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Makin’ time and losing grip, drivin’ circles in the canyons of my mind.” - THE AVETT BROTHERS

Today’s moments of awesome: 1 2 3

Word up: 158

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“No one is you, and that is your power.” - DAVE GROHL

Today’s moments of awesome: 1 2 3

Word up: 159

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 Pick One TRUTH: If you had 1 million dollars, what would you do with it? DARE: Create a money folder with all of your important documents including your life insurance policy, copies of your passport, social security card, etc. Today’s moments of awesome: 1 2 3

Word up: 160

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Your car goes where your eyes go.” - GARTH STEIN

Today’s moments of awesome: 1 2 3

Word up: 161

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The key to good decision making is not knowledge. It is understanding. We are swimming in the former. We are desperately lacking in the latter.” - MALCOLM GLADWELL

Today’s moments of awesome: 1 2 3

Word up: 162

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Always watch where you are going. Otherwise, you may step on a piece of the Forest that was left out by mistake.” - WINNIE THE POOH

Today’s moments of awesome: 1 2 3

Word up: 163

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Dear destiny, I’m ready now.” - UNKNOWN

Today’s moments of awesome: 1 2 3

Word up: 164

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Don’t you ever let a soul in the world tell you that you can’t be exactly who you are.” - LADY GAGA

Today’s moments of awesome: 1 2 3

Word up: 165

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“You are allowed to feel messed up and inside out. It doesn’t mean you’re defective - it just means you’re human.” - DAVID MITCHELL

Today’s moments of awesome: 1 2 3

Word up: 166

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 Pick One TRUTH: Would you rather have no debit or credit card or never be able to tip someone again? DARE: Take today as a no-spend day - instead, find 3 things in your house you can give away to someone in need. Today’s moments of awesome: 1 2 3

Word up: 167

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Happiness is not something ready made. It comes from your own actions.” - DALAI LAMA

Today’s moments of awesome: 1 2 3

Word up: 168

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Don’t push your weaknesses, play with your strengths.” - JENNIFER LOPEZ

Today’s moments of awesome: 1 2 3

Word up: 169

Cash Tracker Month

Income

Total Income

170

I think Iâ&#x20AC;&#x2122;ll make

I did make

Fixed Expenses

I think Iâ&#x20AC;&#x2DC;ll spend

I did spend

Total Fixed Expenses

171

Variable Expenses

Total Variable Expenses

172

I think Iâ&#x20AC;&#x2122;ll spend

I did spend

Monthly Summary Totals

Projected

Actual

Income Fixed Expenses Variable Expenses

Difference in Income vs Expense (NET)

Notes:

173

Month in Review This month I felt like a winner whenâ&#x20AC;Ś

but Iâ&#x20AC;&#x2122;m still working on...

My affirmations, I (am, have): 1 2 3 4 5 6 7 8 9 10

174

Notes:

175

Just Breathe.

176

We are living through a stress epidemic, with the world coming at us at 100 mph every single day. Money related stress can lead to mental health struggles, trigger health issues, and cause constant anxiety to your nervous system, leading to wear and tear on your body. Learning how to use your breath is one of the most important things you can do to control anxiety and stress in your daily life. One such tactical breathing technique is Square Box Breathing in 4 Steps. You can utilize this technique next time you’re stressed out or you can incorporate it into your daily meditative routine to promote a positive impact on your inner and outer wellbeing.

Hold for four counts

1 1

Hold for four counts

Breathe in through your nose

Exhale through your mouth

Benefits of Square Box Breathing: • • • • • •

Regulates autonomic nervous system (ANS) Lowers blood pressure Gives a relaxed feeling in the mind and body Improves your mood Reduces stress Treats insomnia

177

My Monthly Intentions Month: My word of the month is:

My big goal for the month is:

What is holding me back?

How do I want to feel at the end of the month?

178

Monthly Quote.

179

Talk to yourself like you would to someone you love B R E N É B ROW N

Hello, It’s Me 180

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Quiet the mind and the soul will speak.” - MA JAYA SATI BHAGAVATI

Today’s moments of awesome: 1 2 3

Word up: 181

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“When everything feels hard, small victories feel like huge ones.” - NORA MCINERNY

Today’s moments of awesome: 1 2 3

Word up: 182

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Happiness comes from being who you actually are instead of who you think you are supposed to be.” - SHONDA RHIMES

Today’s moments of awesome: 1 2 3

Word up: 183

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Play what you’ve got and don’t waste time worrying about what you don’t.” - BARBARA CORCORAN

Today’s moments of awesome: 1 2 3

Word up: 184

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Don’t be like anyone else. Find your voice, your script, your rhythms.” - JILL SOLOWAY

Today’s moments of awesome: 1 2 3

Word up: 185

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

Pick One TRUTH: Would you rather pay rent for the rest of your life or live in a tiny house? DARE: Take a peek at your credit score today.

Today’s moments of awesome: 1 2 3

Word up: 186

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“If you really believe in yourself, you cannot listen to other people.” - JOAN JETT

Today’s moments of awesome: 1 2 3

Word up: 187

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“All your life they will tell you no. Quite firmly and very quickly. And you will tell them yes.” - LEBRON JAMES

Today’s moments of awesome: 1 2 3

Word up: 188

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The successful warrior is the average person with laser-like focus.” - BRUCE LEE

Today’s moments of awesome: 1 2 3

Word up: 189

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Just ‘cause you got the monkey off your back doesn’t mean the circus has left town.” - GEORGE CARLIN

Today’s moments of awesome: 1 2 3

Word up: 190

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Be bold. If you are going to make an error, make a doozy, and don’t be afraid to hit the ball.” - BILLIE JEAN KING

Today’s moments of awesome: 1 2 3

Word up: 191

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“If you don’t mark your successes, the day your ship comes in could be just another day at the office, and there’s no poetry in that.” - GLEN HANSARD

Today’s moments of awesome: 1 2 3

Word up: 192

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 Pick One TRUTH: Would you rather win a lifetime supply of groceries or go on an all-expense-paid vacation every year for the rest of your life? DARE: Create a plan to save 1 month’s worth of expenses (break it down into small daily or weekly increments) Today’s moments of awesome: 1 2 3

Word up: 193

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The people who are crazy enough to think they can change the world, are the ones who do.” - STEVE JOBS

Today’s moments of awesome: 1 2 3

Word up: 194

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“It’s how you deal with failure that determines how you achieve success.” - DAVID FEHERTY

Today’s moments of awesome: 1 2 3

Word up: 195

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Keep working, even when no one is watching.” - ALEX MORGAN

Today’s moments of awesome: 1 2 3

Word up: 196

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“To me, freedom entitles you to do something, not to not do something.” - SHEL SILVERSTEIN

Today’s moments of awesome: 1 2 3

Word up: 197

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Life is a good teacher and a good friend. Things are always in transition, if we could only realize it.” - PEMA CHODRON

Today’s moments of awesome: 1 2 3

Word up: 198

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Life will put many red lights in front of you, but sometimes we must push on the gas and trust God.” - KENDRICK LAMAR

Today’s moments of awesome: 1 2 3

Word up: 199

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 Pick One TRUTH: What was one of your biggest splurges? Did it satisfy you and for how long? DARE: Read 30 minutes of a book you enjoy before you go to sleep tonight. Today’s moments of awesome: 1 2 3

Word up: 200

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Whatever the problem, be part of the solution. Don’t just sit around raising questions and pointing out obstacles.” - TINA FEY

Today’s moments of awesome: 1 2 3

Word up: 201

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“You should never take more than you give.” - ELTON JOHN

Today’s moments of awesome: 1 2 3

Word up: 202

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Pivot. Pivot. PIVOT!” - ROSS GELLER

Today’s moments of awesome: 1 2 3

Word up: 203

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“If they can make penicillin out of moldy bread, they can sure make something out of you.” - MUHAMMAD ALI

Today’s moments of awesome: 1 2 3

Word up: 204

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The hardest thing to do is to be true to yourself, especially when everybody is watching.” - DAVE CHAPELLE

Today’s moments of awesome: 1 2 3

Word up: 205

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“How can I begin anything new with all the yesterday inside me?” - LEONARD COHEN

Today’s moments of awesome: 1 2 3

Word up: 206

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

Pick One TRUTH: What would you do if you didn’t have to work for money? DARE: Save 1% of your net monthly income (multiply your income after taxes times 0.01)

Today’s moments of awesome: 1 2 3

Word up: 207

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“You know you’re on the right track when you become uninterested in looking back.” - UNKNOWN

Today’s moments of awesome: 1 2 3

Word up: 208

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Never tell me the odds.” - HAN SOLO

Today’s moments of awesome: 1 2 3

Word up: 209

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Life is a balance of fear and overcoming it.” - JIMMY IOVINE

Today’s moments of awesome: 1 2 3

Word up: 210

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Just do something that makes you stand out. Even if not everyone likes it, just do it.” - KACEY MUSGRAVES

Today’s moments of awesome: 1 2 3

Word up: 211

Cash Tracker Month

Income

Total Income

212

I think Iâ&#x20AC;&#x2122;ll make

I did make

Fixed Expenses

I think Iâ&#x20AC;&#x2DC;ll spend

I did spend

Total Fixed Expenses

213

Variable Expenses

Total Variable Expenses

214

I think Iâ&#x20AC;&#x2122;ll spend

I did spend

Monthly Summary Totals

Projected

Actual

Income Fixed Expenses Variable Expenses

Difference in Income vs Expense (NET)

Notes:

215

Month in Review This month I felt like a winner whenâ&#x20AC;Ś

but Iâ&#x20AC;&#x2122;m still working on...

My affirmations, I (am, have): 1 2 3 4 5 6 7 8 9 10

216

Notes:

217

My Monthly Intentions Month: My word of the month is:

My big goal for the month is:

What is holding me back?

How do I want to feel at the end of the month?

218

Monthly Quote.

219

The things that make us different those are our superpowers L E N A WA I T H E

Hello, Itâ&#x20AC;&#x2122;s Me. 220

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“If it wasn’t hard, everyone would do it. It’s the hard that makes it great.” - TOM HANKS

Today’s moments of awesome: 1 2 3

Word up: 221

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The gem cannot be polished without friction, nor a person perfected without trials.” - CHINESE PROVERB Today’s moments of awesome: 1 2 3

Word up: 222

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 Pick One TRUTH: What money lie are you holding onto that you need to let go of? DARE: Call your cable, cell phone, and internet providers and ask them if there is a better rate available.

Today’s moments of awesome: 1 2 3

Word up: 223

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Real courage is when you know you’re licked before you begin, but you begin anyway and see it through no matter what.” - HARPER LEE

Today’s moments of awesome: 1 2 3

Word up: 224

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“When you wake up, each day looks the same, so each day should be a new beginning.” - PRINCE

Today’s moments of awesome: 1 2 3

Word up: 225

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Courage is the power of the mind to overcome fear.” - MARTIN LUTHER KING JR.

Today’s moments of awesome: 1 2 3

Word up: 226

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Stupidity got us into this mess, and stupidity will get us out.” - HOMER SIMPSON

Today’s moments of awesome: 1 2 3

Word up: 227

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“When I feel tired, I just think about how great I will feel once I finally reach my goal.” - MICHAEL PHELPS

Today’s moments of awesome: 1 2 3

Word up: 228

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.” - WILL SMITH

Today’s moments of awesome: 1 2 3

Word up: 229

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The best revenge is to live on and prove yourself.” - EDDIE VEDDER

Today’s moments of awesome: 1 2 3

Word up: 230

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Worry and anxiety about the future will not disappear or fade away, no matter how much money you have.” - KEN HONDA

Today’s moments of awesome: 1 2 3

Word up: 231

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Every great dream begins with a dreamer. Always remember, you have within you the strength, the patience, and the passion to reach for the stars to change the world.” - HARRIET TUBMAN Today’s moments of awesome: 1 2 3

Word up: 232

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Don’t wait for the fear to stop before you leap. Be willing to leap afraid.” - LISA NICHOLS

Today’s moments of awesome: 1 2 3

Word up: 233

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“I have not failed. I’ve just found 10,000 ways that won’t work.” - THOMAS A. EDISON

Today’s moments of awesome: 1 2 3

Word up: 234

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“I found out that there weren’t too many limitations, if I did it my way.” - JOHNNY CASH

Today’s moments of awesome: 1 2 3

Word up: 235

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“We’re capable of so much more than we allow ourselves to believe.” - QUEEN LATIFAH

Today’s moments of awesome: 1 2 3

Word up: 236

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 Pick One TRUTH: Who do you admire most in your life and why? DARE: Start a money conversation - Ask your partner, spouse, friend or family member if they have any current money goals they are working towards and what tips they have found helpful to keep on track. Today’s moments of awesome: 1 2 3

Word up: 237

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“We don’t make mistakes, just happy little accidents.” - BOB ROSS

Today’s moments of awesome: 1 2 3

Word up: 238

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Ships don’t sink because of the water around them; ships sink because of the water that gets in them. Don’t let what’s happening around you get inside you and weigh you down.” - UNKNOWN Today’s moments of awesome: 1 2 3

Word up: 239

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Pressure is something you feel when you don’t know what the hell you’re doing.” - PEYTON MANNING

Today’s moments of awesome: 1 2 3

Word up: 240

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“I’m intimidated by the fear of being average.” - TAYLOR SWIFT

Today’s moments of awesome: 1 2 3

Word up: 241

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Be led by your talent, not your self-loathing; those other things you just have to manage.” - RUSSELL BRAND

Today’s moments of awesome: 1 2 3

Word up: 242

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“If you can learn how to use your mind, anything is possible.” - WIM HOFF

Today’s moments of awesome: 1 2 3

Word up: 243

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

Pick One TRUTH: What is something you’ve been meaning to do but never have? DARE: Cook at home this week (no eating out!)

Today’s moments of awesome: 1 2 3

Word up: 244

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“I had to make you uncomfortable, otherwise you never would have moved. ” - THE UNIVERSE

Today’s moments of awesome: 1 2 3

Word up: 245

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Dedication sees dreams come true.” - KOBE BRYANT

Today’s moments of awesome: 1 2 3

Word up: 246

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“If you wait until everything in your life is perfect before you begin something challenging and new, you’ll be waiting forever. The best time is NOW.” - BILL PHILLIPS

Today’s moments of awesome: 1 2 3

Word up: 247

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Be the type of person that when your feet touch the floor in the morning the devil says, ‘Aww shit, they’re up!” - DWAYNE “THE ROCK” JOHNSON

Today’s moments of awesome: 1 2 3

Word up: 248

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“You never know how strong you are until being strong is your only choice.” - BOB MARLEY

Today’s moments of awesome: 1 2 3

Word up: 249

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“We all have ability. The difference is how we use it.” - STEVIE WONDER

Today’s moments of awesome: 1 2 3

Word up: 250

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

Pick One TRUTH: How do you feel when you look at your bank account balance? DARE: Pay an extra $25 towards your debt this week.

Today’s moments of awesome: 1 2 3

Word up: 251

Cash Tracker Month

Income

Total Income

252

I think Iâ&#x20AC;&#x2122;ll make

I did make

Fixed Expenses

I think Iâ&#x20AC;&#x2DC;ll spend

I did spend

Total Fixed Expenses

253

Variable Expenses

Total Variable Expenses

254

I think Iâ&#x20AC;&#x2122;ll spend

I did spend

Monthly Summary Totals

Projected

Actual

Income Fixed Expenses Variable Expenses Difference in Income vs Expense (NET)

Notes:

255

Month in Review This month I felt like a winner whenâ&#x20AC;Ś

but Iâ&#x20AC;&#x2122;m still working on...

My affirmations, I (am, have): 1 2 3 4 5 6 7 8 9 10

256

Notes:

257

Strike A Pose.

258

Another way to mindfully combat stress in your daily life is to strike a pose - a yoga pose of course. Constant stress in your life without a release valve will eventually take a toll on your body and mental health. Doing a simple yoga pose for just a few minutes a day to relieve stress has shown to have a calming effect on the body. Stress zaps all of the energy in our bodies. When our energy tank is depleted, anxiety can build and anything can push you over the edge. Whether you are a regularly practicing veteran yogi or newbie rookie to yoga, doing these simple poses to relieve all that built-up stress will reap abundant rewards.

3 Yoga Poses To Relieve Stress:

Childâ&#x20AC;&#x2122;s Pose

Instructions 1. Kneel on a yoga mat or floor with legs together, sitting back on heels 2. Hinge forward until chest rests on thighs, forehead is on the floor 3. Curl shoulders forward and let hands rest, palms up, next to feet, hold for 5 breaths How It Calms â&#x20AC;˘ A resting posture that quiets the mind and eases stress â&#x20AC;˘ Benefits the nervous and lymphatic systems

259

Legs-Up-The-Wall Pose

Instructions 1. Sit with hips against the wall and sit back, taking legs up the wall 2. Bottom should be pressed as close to the wall as possible; hold for 5 minutes How It Calms â&#x20AC;˘ Helps stress reduction â&#x20AC;˘ Helps renew blood and lymph drainage back into the heart area

260

Corpse Pose

Instructions 1. Lie flat on back with legs together, but not touching, arms at side, palms up 2. Keep eyes closed and face relaxed; breath deeply 3. Hold for 3-5 minutes How It Calms • Puts the body at ease and emphasizes total relaxation • Slows breathing • Lowers blood pressure • Quiets nervous system

261

My Monthly Intentions Month: My word of the month is:

My big goal for the month is:

What is holding me back?

How do I want to feel at the end of the month?

262

Monthly Quote.

263

I don’t know where I am going from here, but I promise it won’t be boring D AV I D B O W I E

Hello, It’s Me. 264

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“You need something to open up a new door, to show you something you seen before but overlooked a hundred times or more.” - BOB DYLAN

Today’s moments of awesome: 1 2 3

Word up: 265

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Chasing after the past is not going to lead you to the future you want.” - AD-ROCK

Today’s moments of awesome: 1 2 3

Word up: 266

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Hope is the most exciting thing there is in life.” - MANDY MOORE

Today’s moments of awesome: 1 2 3

Word up: 267

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Allow yourself to transform as many times as you need to be fully happy and free.” - YUNG PUEBLO

Today’s moments of awesome: 1 2 3

Word up: 268

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“It will always be relevant and always be inspiring to see somebody turning themselves into a warrior.” - PHOEBE WALLER-BRIDGE

Today’s moments of awesome: 1 2 3

Word up: 269

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“There are two things wrong with money: too much or too little.” - CHARLES BUKOWSKI

Today’s moments of awesome: 1 2 3

Word up: 270

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 Pick One TRUTH: Where are you holding back in your life for fear of what others may think of you? DARE: Share your biggest money mishap with a friend.

Today’s moments of awesome: 1 2 3

Word up: 271

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“You are not stuck where you are unless you decide to be.” - WAYNE DYER

Today’s moments of awesome: 1 2 3

Word up: 272

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“You don’t pay taxes - they take taxes.” - CHRIS ROCK

Today’s moments of awesome: 1 2 3

Word up: 273

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“You didn’t come this far to only come this far.” - UNKNOWN

Today’s moments of awesome: 1 2 3

Word up: 274

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“This time, you’ve got to do something absolutely different from what you’ve done before.” - MICHAEL CAINE

Today’s moments of awesome: 1 2 3

Word up: 275

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“If you get tired, learn to rest, not to quit.” - BANKSY

Today’s moments of awesome: 1 2 3

Word up: 276

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Going one more round when you don’t think you can – that’s what makes all the difference in your life.” - ROCKY BALBOA

Today’s moments of awesome: 1 2 3

Word up: 277

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

Pick One TRUTH: What keeps you from reaching your goals? DARE: Get up and dance to your favorite song right now.

Today’s moments of awesome: 1 2 3

Word up: 278

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“May you never discredit how far you have come.” - MORGAN HARPER NICHOLS

Today’s moments of awesome: 1 2 3

Word up: 279

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Never half-ass two things. Whole-ass one thing.” - RON SWANSON

Today’s moments of awesome: 1 2 3

Word up: 280

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Remind yourself, nobody built like you, you designed yourself.” - JAY-Z

Today’s moments of awesome: 1 2 3

Word up: 281

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Stay in your lane and do what you’re supposed to do.” - TYLER PERRY

Today’s moments of awesome: 1 2 3

Word up: 282

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“There is a gigantic difference between earning a great deal of money and being rich.” - MARLENE DIETRICH

Today’s moments of awesome: 1 2 3

Word up: 283

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Success is not an accident, success is actually a choice.” - STEPHEN CURRY

Today’s moments of awesome: 1 2 3

Word up: 284

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3 Pick One TRUTH: Where do you waste the most time and on what? DARE: Do a random act of money kindness: Buy the person behind you coffee, buy the two cars behind you meals at a fast food restaurant or donate to one of your favorite charities, $5, $10, whatever you choose. Today’s moments of awesome: 1 2 3

Word up: 285

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Everything will be okay in the end. If it’s not okay, it’s not the end. ” - JOHN LENNON

Today’s moments of awesome: 1 2 3

Word up: 286

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“I say luck is when an opportunity comes along and you’re prepared for it.” - DENZEL WASHINGTON

Today’s moments of awesome: 1 2 3

Word up: 287

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Without leaps of imagination, or dreaming, we lose the excitement of possibilities. Dreaming after all, is a form of dreaming.” - GLORIA STEINEM

Today’s moments of awesome: 1 2 3

Word up: 288

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Someone’s sitting in the shade today because someone planted a tree a long time ago.” - WARREN BUFFETT

Today’s moments of awesome: 1 2 3

Word up: 289

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Fall down seven times, get up eight.” - JAPANESE PROVERB

Today’s moments of awesome: 1 2 3

Word up: 290

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The only durable sense of success is if you’ve followed your calling.” -JIM HARRISON

Today’s moments of awesome: 1 2 3

Word up: 291

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

Pick One TRUTH: Are you generous or stingy with your time, money, and resources? DARE: Find 5 things in your home that you can donate to a charity by the end of the week.

Today’s moments of awesome: 1 2 3

Word up: 292

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“The money doesn’t match who I’m becoming but I’m on my way.” - FLAWLESS REAL TALK

Today’s moments of awesome: 1 2 3

Word up: 293

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“Someday, somewhere – anywhere, unfailingly, you’ll find yourself, and that, and only that, can be the happiest or bitterest hour of your life.” - PABLO NERUDA

Today’s moments of awesome: 1 2 3

Word up: 294

Date:

How I’m feeling this morning:

Daily goal:

Action steps: 1 2 3 I’m grateful for: 1 2 3

“We can always begin again.” - SHARON SALZBERG

Today’s moments of awesome: 1 2 3

Word up: 295

Cash Tracker Month

Income

Total Income

296

I think Iâ&#x20AC;&#x2122;ll make

I did make

Fixed Expenses

I think Iâ&#x20AC;&#x2DC;ll spend

I did spend

Total Fixed Expenses

297

Variable Expenses

Total Variable Expenses

298

I think Iâ&#x20AC;&#x2122;ll spend

I did spend

Monthly Summary Totals

Projected

Actual

Income Fixed Expenses Variable Expenses

Difference in Income vs Expense (NET)

Notes:

299

Month in Review This month I felt like a winner whenâ&#x20AC;Ś

but Iâ&#x20AC;&#x2122;m still working on...

My affirmations, I (am, have): 1 2 3 4 5 6 7 8 9 10

300

Notes:

301

High-Fives All Around! Woo-hoo, you have successfully made it through six months of the Money Mindset Journal and are well on your way to a happier, healthier, more mindful version of you! It was YOU who bought this book. It was YOU who put in the daily work. It was YOU who changed the trajectory of your life. YOU ROCK!! It may be the end of your six months with this journal; however, check out all the knowledge, the breakthroughs, and the new mindset you’ve created here. Take some time to skim over your journal and see the progress you have made along the way. Celebrate both the successes and hardships. Champagne does look great on you! We are eager to celebrate along with you. Let us know how the Money Mindset Journal has helped you over the last six months by tagging #moneymindsetjournal on social media or visiting us on our website at www.helloitsmeco.com. Where do you go from here? • Take a deep breath and affirm yourself for staying committed • Check-in with yourself and see if you still have the same intention as when you started this journey • Invite friends into this journey - share your biggest takeaway with them and ask if they would like to join in the fun with you • Don’t let your money mindset journey stop here - grab a new journal and keep up your good money mindset vibes

302

May you be happy May you be well May you be safe May you be peaceful and at ease

Hello, Itâ&#x20AC;&#x2122;s Me. 303

Money Mindset Journal

Articles inside

Money Mindset Journal