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Archive for Money Mindset

Don’t compare your beginning to someone else’s middle.

Don’t compare your beginning to someone else’s middle.

Be intentional about not comparing your journey with someone else’s.

Dig deep into your why, your mission, and stay focused on that to drive you forward!


What Determines Your Wealth

April is Financial Literacy Month –

“In fact, what determines your wealth is not how much you make but how much you keep of what you make.”

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

Paying 10%, 20% Makes a Difference

April is Financial Literacy Month –

“Did you know when you just pay 10%-20% too much for the products and services you use everyday, you will have to work an extra 10 to 20 years before you can retire.

Or, put it another way you way, if you let yourself be overcharged by 10%-20% for the things you buy, you are in effect spending one to two months a year working without pay.”

David Bach, Fight for Your Money:Save a Fortune- Author of 6 New York Times Bestsellers

Ease the chaos- by doing at least one thing “Sleep”

Ease the chaos- by doing at least one thing “Sleep”

 The hustle and bustle of our lives never seems to end: dealing with customers, walking the dogs, handling paperwork, family obligations, work, bills, house chores, creating more time for our friends, etc. The list is endless.

Imagine what our brains feel like at the end of a typical day of thinking and going into continuous information overload. A new research study presents a new theory on sleep and how our brains start clean out while we sleep.

Jeffrey Iliff, Assistant Professor of Anesthesiology and Peri-Operative Medicine explains what he and his colleagues found in 2013 Sleep study, “ The brain puts off house cleaning away while we are awake and then does house cleaning while we are asleep.” He was asked to join Dr. Maiken Nedergaard at the University of Rochester Medical Center in New York, that focused on the brain-wide, waste-clearance pathway.

This team of researchers built their findings based on previous work that had identified what’s called the glymphatic system. “We’ve known for a long time that the brain lacks a traditional lymphatic system,” says study co-author Rashid Deane, a neurologist at URMC. “But the glymphatic system, we now know, eliminates waste buildup instead.”

Using 2-photon microscopy imaging was used on mice to see how the glymphatic system functioned during sleep. What they discovered is that there increase in activity was ten-fold in comparison to animals that had been awake all night. Co-author Rashid Deane, a neurologist at URMC says, “This tell us that sleep appears to be significant in helping the brain eliminate unwanted byproducts.”

In order for us to accomplish all the things we need to do on a daily basis, getting sleep restores our mental energy. One of the best ways to understand how the brain clears out all the gunk, is to think about what happens when we don’t sleep. Lack of sleep affects our thinking, cognitive reasoning and how we feel physically. Sleep-deprived people fall asleep involuntarily, taking “micro sleeps” they can’t control.

If you find yourself having to leave post it notes everywhere to help remind you of what needs to get done, pressing on the horn longer than necessary or having difficulty concentrating; your sleep schedule may be the culprit of why you are not as productive as you would like to be the BBC report details.

“Deep sleep sounds restful, but during it our brains are actually working hard. One of the main things the brain is doing is moving memories from short-term storage into long-term storage, allowing us more short-term memory space for the next day. If you don’t get adequate deep sleep then these memories will be lost.”


A lot of people think that getting sleep is just a waste of time. They think if they just throw in another load of laundry, continue to text, or send out one more email right before bed is actually counterproductive.

You ask this is great information but how do I find the time to sleep?

Here are a few time saving strategies to help you save time and catch more zzz’s.

  • Set the coffee pot to brew before you wake up in the morning.
  • Program your favorite TV shows into the DVR to save for the weekend.
  • Throw together some oats in the slow cooker and by the time you wake up your breakfast will be ready.
  • Have your clothes out the next day.
  • Keep a gym bag in the car.
  • On a door hanger: set aside your to-do list, books you need to take back to the library, keys and sunglasses.
  • Reduce your commitments by saying “No.” to people.


These are a few ways to set up the foundation of your day and still let you get some rest in between an unpredictable schedule.

The determination and drive to do more and be more is great. Just know and realize that the quickest way to get to where you want to be is to slow down, relinquish control of everything at least for the night and get some much needed sleep. Trust me, your brain will thank you. J







Energy is Money, Not Time

How we work, how we live, no matter how many things we cram into our schedule, there never seems to be enough time. That is because “Time is an illusion, according Eckert Tolle, author of the Power of Now, what you perceive as precious is not time, it is now.”

It’s never been about time. It’s about our energy. Without it we are not able to function, to focus and to fully engage in the tasks that we need to accomplish each day.

In the New York Times bestseller, The Power of Full Engagement co-authors Jim Loehr and Tony Schwartz (corporate coaches to top ranked professional athletes and corporations) demonstrate how managing energy, not time, is the key to enduring high performance, as well as health, happiness and life balance.

As the authors and management leaders summarize, “We live in digital time. Our pace is rushed, rapid fire and relentless. Facing crushing workloads, we try to cram as much as possible into every day. We`re wired up, but we`re melting down. Time management is no longer a viable solution. “The number of hours in a day is fixed, but the quantity and quality of energy available to us is not. This fundamental insight has the power to revolutionize the way you live your life.”

As I know you do not have much time.. LOL :)  to read a long article, so instead I will leave you with this thought:

Old Paradigm – New Paradigm

Time is outside out of us —- Energy is inside of us

More productivity tips to come throughout the week on this concept of Time Management vs. Energy Management.

3 Ways To Give Your Business A Financial Fresh Start

Written by Kendall SummerHawk

I have yet to meet a woman entrepreneur who isn’t secretly carrying around a bit of “emotional money baggage”. What’s important isn’t whether you do or you don’t have some of the most common money issues many women entrepreneurs face; but whether you’re on a path of being in complete integrity with whatever your situation is.

For example, maybe you have debt, or perhaps you’re ready to increase your fees but you’re feeling a pangs of guilt. Or maybe you see the perfect mentoring program you want to invest in but your spouse is skeptical that it will be a wise investment.

One thing is certain, if you carry past baggage with you, you’ll have a much tougher time creating success. Which is why now is the perfect time to give your finances a fresh start.

The mistake most women entrepreneurs make is in not knowing exactly what kind of financial actions they should take. And that’s because money just isn’t a topic that’s often discussed.

Which is why I’m sharing 3 of my BEST tips with you on how to give your finances a fresh start as you move forward in growing your business.

And while you may not be able to waive a magic wand and immediately make your debt disappear or make your husband have a sudden change of faith, you can create a plan that addresses the spiritual, emotional and practical priorities that add up to putting you back in control of your financial future.

Tip #1: Let The Past, Stay In The Past
Women hold themselves to a level of perfectionism that leaves no room for mistakes. Trust me, we’ve all lent money to people we shouldn’t have, given away our power with money, let concern over what others would think keep us playing small or we’ve made decisions to buy something that we later regretted.

You can’t change the past but what you can do is stop carrying it around with you! So instead of feeling guilt or shame, or blaming fate or circumstances for what’s happened, learn how to forgive yourself. Forgiveness is an act of extreme compassion and understanding for the small part of you that was doing her best when you made those decisions.

Tip #2: Don’t Let Debt Stop You From Growing Your Business

Many women entrepreneurs ask me, “Kendall, how can I invest in growing my business when I have debt?”

First, realize that the best way to pay off your debt is by growing your business, as you’ll then have the increased cash you need to make more than your minimum monthly payments.

Next, understand that investing in your business while you may still have debt makes perfect sense if you are committed to implementing. I’ve coached hundreds of women entrepreneurs on my signature debt pay-off strategy and I’ve discovered that those who take decisive action in their business are also the ones who pay off their debt the fastest.

Tip #3: Create Money Boundaries That Empower You And Others

Women tend to cave in on their boundaries because they feel responsible for other peoples’ feelings. But giving in means giving up your self-respect and losing the respect of others. And that negative energy often flows through into other areas of your business, impacting your fees, the types of clients you attract, and so much more.

My advice? It’s far better to experience a moment of discomfort when upholding a boundary than it is to untangle a money mess later on.

Remember, you don’t need to be the wicked witch when it comes to maintaining a boundary. Boundaries are easily upheld by taking a compassionate, yet firm stand for what you are prioritizing.

For example, let’s say a client tells you they can’t make their program payment this month. Instead of agreeing to wait, ask them to make a good faith payment today, with the balance due in two weeks. This way, you are giving them a little extra time, yet standing firm by creating a payment plan that works for you.

When it comes to money, standing in your Divine Feminine power means employing compassion and strength, all of which helps you build your business with clarity, grace and confidence!

“Would you like to learn simple ways you can brand, package and price your services, quickly move away from ‘dollars-for-hours work’ and create more money, time, and freedom in you business? Check out my web site,, for free articles, resources and to sign up for my free audio mini-seminar “Money Blocks & Breakthroughs.”

Award-winning small business expert Kendall SummerHawk is the leading expert in women entrepreneurs and money.

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