≡ Menu

Buy Now, Pay Now

Guest post by licensed Right-Brain Business Plan® Facilitator Cass Mullane

Let’s talk about a high quality money habit: Having money in the bank to pay for a purchase before you make the purchase. Yes it’s tough, but it’s also healthy and wise and will pay off BIG in the long term. “Buy Now, Pay Later” seems to be the mantra these days. The Government does it, the states do it, we citizens do it. But does it make sense financially? Nope.

Go back to the basics:
• Know the real value of your money
• Know where your money is coming from and where it’s going
• Have clear financial goals
• Always put something away into savings
• If you don’t have the money for a purchase, don’t make the purchase

Remember the “old” way of doing business? You know, before plastic, when you actually saved up enough money to pay for something before you made the purchase? Do you remember “layaway” when a store would hold an item for you and you’d make regular payments to the store until you’d paid in full, then you’d take the item home with you?

Turns out, the “old” way of paying for purchases is pretty smart. It required us to be much more cognizant of where our dollars were going and whether or not a purchase had value in the big picture. We had to plan for purchases, earn the money to pay for them beforehand, then get the items. We understood the real value of money and were careful with how we handled ours. As a result, we didn’t carry the massive debt burdens many people are under these days.

Today, most people go to a store, swipe a piece of plastic and walk away with a purchase blissfully unconcerned about HOW they are going to actually pay for the thing. It’s always, “I’ll worry about that later.” And that’s how the debt grows… and grows… and grows.

Stop it!

You’re in charge of your financial habits. Step away from the register or the “Buy Now” button online, engage your brain and think about what you’re doing before you hand over the card.

• Does the purchase make sense?
• Is it aligned with your goals?
• Does it keep you moving forward?
• Are you under control and on track?

If you answered “no” to any of these questions, then it might not be a good idea to spend the money. It’s that simple. Create quality financial habits and make them part of your everyday thinking. Ask yourself quality questions before making a purchase. Bring in a coach or other professional to get comfortable talking about money and dealing with money. Make this your new mantra: “Buy Now, Pay Now.”
______________________________________________

Cass Mullane’s calm, comfortable approach consistently yields positive results for clients. Her business and personal coaching practice, www.ProsperCreatively.com, specializes in delivering solid left brain business skills to right brainers and creatives in a fun, visual way. Cass is one of our licensed Right-Brain Business Plan® Facilitators.

"The fog is lifting" - photo by Jennifer Lee

Guest post by licensed Right-Brain Business Plan® Facilitator Lorene Collier Purcy

Do you feel like your life could be happier? A better tomorrow could start with something as simple as your attitude. Our perspectives have a huge effect on our overall level of happiness. They can affect our success as well.

Over time, attitudes become habitual. Because of this, they can take a bit of effort to change, but such work is well worth your time!

Try these techniques to bring greater happiness and success into your life:

  1. Start each day by making a mental list of things you’re thankful for. You can do this while you’re lying in bed just before you get up, in the shower, or while driving to work. This simple mental exercise will adjust your focus to the good things that you already have.
  2. Love life, not stuff. Do you feel that having more possessions will make you happy? What usually happens is that, after you acquire something, it never seems to mean as much to you as you thought it would. After the newness wears off, you’re back to wanting some more new stuff! So the joy in most new possessions is temporary, at best, and leads to more “wanting.”
    • The quality of your life itself is what will bring you the most happiness, not the quantity or quality of your stuff.
    • Spend some time each day doing what you love.
    • Build meaningful relationships that uplift you.
    • Take action to create a life filled with what truly means the most to you.
  3. Be patient. Our society has trained us to be in a hurry and expect immediate gratification. However, some of the great things in life take time to bring to fruition.
    • Enjoy the process of creating the life you desire. Each day will bring you one step closer. Being impatient tends to push your goals farther away.
  4. Believe in yourself. Life is much more pleasant when you have faith in yourself. Remember: You’ve already done things that are much more difficult than just about anything you may still wish to accomplish. So you know you can achieve your future plans.
    • Consider learning to walk. How many times does a baby fall before they finally can stand up unassisted, let alone walk? And we keep learning more over time. Even a 10-year old doesn’t walk as well as a 30-year old. It takes many years of practice.
    • How many times are you willing to fall down and get back up now? When you believe in yourself and expect success, you’re more likely to succeed. Your upbeat attitude will lead you to seek solutions to your challenges until you reach your goal.
  5. Sometimes being smart is sufficient. We often believe that everything worthwhile requires a lot of work. However, many times, approaching challenges by working smart instead of working hard can save a lot of time and grief.
    • Sit down and reflect on your situation from the perspective that there’s a simple solution to each challenge. You might be surprised how clever you can be if you make an effort to find an easy but satisfactory solution.
  6. There’s no such thing as failure. Each time your plans fall short, analyze where they went wrong, learn from the experience, and continue moving forward.
    • When you “fail,” all you’ve really done is discovered an ineffective way of trying to do something. That’s all. The knowledge gained only makes you more capable in the future.

Adjusting your attitude and making the changes permanent will take some work, but this effort pays off. Your attitude affects your perspective, what you notice, and what you fail to notice. So by adjusting your attitude, you can shift your whole reality!

Examine the attitudes you already hold that may be limiting your life and happiness. What perspectives and beliefs would serve you better? Use the above ideas to start the process of adjusting those ineffective attitudes today for a happier tomorrow.

__________________________

Known for a contagious passion for excellence, a talent for practical business solutions, and a competence for being a motivational leader, Lorene Collier Purcy, is an author, speaker, business consultant & life coach.  Whether it’s life balance or financial management, Lorene has been helping individuals realize their true potential and acts as their accountability partner, assisting them on how to effectively implement strategies to live the life they truly deserve.  You can contact Lorene at lcpurcy@savvychicksrule.com or visit her online at www.savvychicksrule.com. Lorene is one of our licensed Right-Brain Business Plan® Facilitators.

Guest post by licensed Right-Brain Business Plan® Laura Burns

These days marketing your business is a multi-media affair, and your online presence is an integral part of your engagement strategy. Or at least it should be, but many people are slow to implement some simple best practices that can dramatically improve their online presence. Below is a list of my favorite small changes to your online accounts that will make a big difference. These include tips for some sites you may not be using yet. Take this opportunity to check them out – you never know when you’ll find a new amazing site that’s perfect for you.

  1. It’s cool to be square

If the site’s standard avatar shape is square, your avatar should be square. This sounds simple, but I see this all the time. When you upload your company’s profile picture you need to make sure that everything fits inside the boundaries given. Too often I see companies use their logo for their profile picture, but instead of tailoring it for the specific site it is cut off. Often I can only 2 or 3 letters of the company name because the rest is cut off. Take the time to create a nice looking square logo to use on sites where a square avatar is standard. If I can’t see the name of your company how will know who you are?


  1. It’s quality, not quantity

Focus on engagement, not on amassing a million fans, likes, or followers. In social media it’s easy to get caught up in trying to get as many people to follow or like you as possible. While it’s great to expand your network and connections, the actual sales and clients will come from the meaningful connections you make as you engage your online community. Twitter is a dialogue creator – reply to people’s tweets, answer their rhetorical questions, and engage with everyone you can. Facebook is an even greater tool for relationship building, but remember that the quality of your interactions is much more important than the quantity. Truly engaged and inspired people will mention you on Facebook and spread the word about your business. Spend the time to build relationships with people on Facebook – it’s worth the time!


  1. Don’t spam people

Spread your posts out over the course of a day. No one likes to sign onto Twitter and see 8 tweets from the same person in a row. You’ll lose followers for this reason every time. Instead space your posts out over the course of a day to keep people engaged and connect with a greater number of people. Social media moves fast and most of your followers won’t see every post you make. By spreading them out over the day you’ll have a better chance of being seen by your followers. If you don’t have time to manually post that many times a day consider using a tool like Hootsuite to plan your tweets and Facebook updates ahead of time. Hootsuite allows you to enter posts and set a time in the future to automatically send them out to your followers.


  1. Follow the 1/3 rule, or it’s not all about you!

People don’t respond well when they think they’re being constantly sold something. Online engagement is about creating an appealing presence that people want to engage with and pay attention to. The 1/3 rule means splitting your posts into 3 categories. Spend 1/3 of the time liking, following, quoting, and posting about other people’s work, projects, events, etc. Spend another 1/3 of your time posting entertaining, inspirational, and informative stories and links about a variety of topics that will appeal to your community. Then, spend the remaining 1/3 of your time promoting your business and products.


  1. Leave a trail of breadcrumbs

The internet is big place, so make it easy for people to find their way to you. Try putting your website url, twitter handle, or Facebook address wherever you can to help people remember how to get to you. This is especially helpful now that Pinterest has taken off. If you find your website or blog is getting a lot of people ‘pinning’ photos off of it, be sure to embed your company logo or url into all your beautiful pictures. That way pinners in the future will be able to see where the gorgeous photo they just re-pinned came from. It’s easy to add your logo or url to a photo- you can even do it easily in MS Paint!

Remember that your online presence is about creating relationships and engaging your followers in discussion. Let people know and love you, and then they will be your best customers! For social media strategy webinars to help you create a strong online presence, check out www.lauraburnsconsulting.com.

laura burnsLaura Burns helps passionate people transform dreamy visions into sustainable realities. As the owner of Laura Burns Consulting, she teaches visionary creatives how to feed their bellies and their souls doing what they love. For spicy tips and resources, follow Laura on Facebook and Twitter.

As part of The Coaching Blueprint, creator Kate Swoboda asked the participating coaches (including me!) about their “conditions of satisfaction” for their practice. As Kate says, it’s important for anyone who is running a business to know what success looks like and feels like for you. When working with identifying conditions of satisfaction, it’s important to notice whether or not they’re someone else’s conditions, expectations, attachments, or ideas about success.

Danielle LaPorte writes: “Knowing how you want to feel is the most potent form of clarity you can have. Acting on generating those feelings is the most creative thing you can do in your life.”

In the video above, Blueprint Coaches Bridget Pilloud, Tara Sophia Mohr, Dyana Valentine, Julie Daley, Tara Gentile, Tanya Geisler, Jamie Ridler, and yours truly all share our conditions of satisfaction for our coaching practices. What we say about creative flourishing coaching practices is just as applicable to brick-and-mortar business owners, artists and creatives, consultants and 9-5-ers: Create it how you want to feel it. Enjoy this gem of satisfaction, self-care, and enoughness!

Find out more about The Coaching Blueprint and creator the fabulous Kate Swoboda here.

Wait ’til you see what Laura Burns literally has tattooed across her chest (you gotta watch the video)! I know Laura will inspire you to live your creative passions. You can view the chat log here.

Laura is one of my Right-Brain Business Plan® licensed facilitators and she is the founder of Laura Burns Consulting. She is a strategizer, motivator, and catalyst for intense change who brings joyful growth and sustainability to nonprofits and creative entrepreneurs.

If you’re in the Houston-area, check out Laura’s upcoming Right-Brain Business Plan® workshop September 21st-22nd.

Did you miss Tuesday’s live video chat with me and the wise Mark Silver from Heart of Business? Not to worry, we’ve got ya covered! You can sign-up for the replay here.

If you think sales is icky or just plain “ewwwww” to quote someone from the chat, then you’re sure to learn lots from this informative and heartfelt session. Mark shared his Sacred Selling model and answered really great questions that came in from our live chat. No doubt questions about sales that you probably have yourself. I also talked through some examples of how his teachings have helped me.

We also shared an exclusive offer that ends tomorrow morning, August 24th to those of you in my community to take the Sacred Selling teachings deeper through Mark’s comprehensive home study program. To be transparent, Mark is sharing a portion of the profits with me during this special promotion as a thank you for letting you know about this valuable resource.

Even if the special offer isn’t for you, I know you’ll gain so much from simply watching the 60-min. no-cost class.

In fact, here’s what some of our live participants had to say at the end of our session:

“This came to me at just the right time. I need to just lead with heart and quit trying so hard.”

“Thank you for this session! this was very helpful on so many levels!”

“can’t wait to listen to this one again”

“Wow, I learned something new today”

“I feel ready to begin! Very inspiring!”

And you have to watch until the very end to see Mark’s pearl of wisdom that invoked huge belly laughs and lots of LOL’s in the chat.

If you participated in this year’s Right-Brainers in Business Video Summit you most likely experienced the wisdom of one of my guest speakers Mark Silver of Heart of Business. And, if you don’t know Mark yet, you’re in for a treat!

Mark’s work speaks to me at a soul level. He simplifies the nuts and bolts of business in a way that resonates with my right-brain creative and spiritual side, which is why, I think you’ll get a lot from his teachings around Sacred Selling.

On Tuesday, August 21st, you can join Mark and me for a live, interactive video class where we’ll be discussing how you can keep your best clients from slipping through your fingers.

Mark’s Sacred Selling materials have been quite beneficial to my business and we’ll share some real-life examples of how I’ve put his teachings into practice.

Grab your virtual seat for this no-cost live video class on Sacred Selling and learn from one of the most down-to-earth, authentic, and effective teachers that I know.

We look forward to seeing you there!

Related Posts Plugin for WordPress, Blogger...
Featured in:
The Right-Brain Business Plan®

The Right-Brain Business Plan®