Money​ and your body image go hand-in-hand. ​Or as​ some money coaches put it, the state of ​your​ net worth is a direct reflection of ​your​ self-worth. ​I know this isn't easy to read. To say, "I feel ya" is an understatement... Read today's post for some practical (shame-free) tips to shift this for good.

Three simple questions to stay aligned with your spending

Money and your body image go hand-in-hand, or as some money coaches put it, the state of your net worth is a direct reflection of your self-worth.

I know this isn’t easy to read. To say “I feel ya” is an understatement. Having $30,000 of credit card debt was one of the hardest times of my life…. And if I’m totally honest, my self image was in just as crappy of a place.

It was like I was getting hit at every angle and no matter how hard I tried to get out of debt, there was always something bringing me back down.

I looked in the mirror and felt ashamed of what I saw.
I’d swipe my credit card just praying I wouldn’t have to face the embarrassment of ‘Credit Card Denied.’
I’d try on clothes and feel like a failure.
I’d try on my clothes and feel like a failure.
And I’d want new clothes but felt like I didn’t deserve them… Like I was a worthless piece of crap.

I know it sounds harsh, but that’s truly how I saw myself. I’ve done a lot of work since then, and though it was hard to face, it was absolutely worth it.

(A story for another day).

Until we feel that we are worthy, deep down inside, of the great life we desire (a fit body, soul touching love, savings in the bank, nourishing friendships and unconditional self love) we develop patterns and behaviors that prevent us from having it.

Which is why I brought money expert Nicole Cooly to speak to you today about the first few step towards aligning your money and desires.

 

Without further ado, here’s Nicole:

Money and your body image go hand-in-hand. Or as some money coaches put it, the state of your net worth is a direct reflection of your self-worth. I know this isn't easy to read. To say, "I feel ya" is an understatement... Read today's post for some practical (shame-free) tips to shift this for good.

Click image to pin on Pinterest.

This isn’t the post I was originally going to write for you.

The first post I drafted was what you want an answer to. “How to have fun, make more money, and pay off debt! Ra Ra, you CAN do it all.” But frankly, that was starting to sound like a late night infomercial.

Then I realized, that isn’t what you need to hear.

What you need to hear is this:

You can feel peaceful now about your financial situation.

As a money coach people often think I’m going to tell them to stop spending, cut back and budget. But that isn’t necessarily true. My goal is for your spending to be mindful of your needs, aligned to your values and intentions.

It is important that your financial priorities take your unique life situation into consideration. Maybe you work 60 hours a week and have an aging parent. Maybe you have two small kids at home. Maybe you work full time, volunteer and support your adult children. Different lives, different financial formulas.

Despite your situation, you don’t need to wait until you pay off the credit cards or save $10,000 to feel at peace with your money. Yes, these goals are important but they take time to achieve. And when one milestone is achieved, there will be another goal waiting in the wings for you to tackle.  In the meantime, you can feel more peaceful about money today by focusing on the present and creating better habits for the future.

The best way to start is to answer these three simple questions:

Where am I overdoing it?

You might not want to admit it to yourself, but I bet you have a bad spending habit that sneaks up on you from time to time. Have you been a little over generous on gift giving lately? Have the extra hours at work resulted in a little too much eating out? Identify the excess and make a conscious effort to cut back in this area moving forward. Continue to check in with this question, as you might find a new answer the next time you look.

Where do I not have enough?

This step is an evaluation of your needs. You need to give to yourself as much as you give to others. Make the doctor’s appointment, replace the tattered shoes, keep up your regular haircuts, and buy the new book. I’m here to give you permission to make that investment in yourself. Prioritizing your needs is part of creating a healthy relationship with money.

What’s important to me right now?

Identifying what is important to you right now also tells you what is NOT important. When an opportunity to spend comes up, check to see if it’s on your ‘what’s important’ list. If it isn’t, don’t do it. This is the first step in aligning your values to your spending.

The truth is, there is no perfect formula to solve all of your financial problems. And even the best of formulas require hard work and take time.  But you can focus on being mindful of your spending and staying in touch with your needs, every day. Be intentional, check in often, and the rest will fall into place.

Now I want to hear from you!

Think about the questions above and share your struggle and success stories with each other in the comments section below. Discovering shared experiences helps us learn and grow from one another.

Learn more about Nicole:

Money and your body image go hand-in-hand. Or as some money coaches put it, the state of your net worth is a direct reflection of your self-worth. I know this isn't easy to read. To say, "I feel ya" is an understatement... Read today's post for some practical (shame-free) tips to shift this for good.

 

Nicole Cooley is a corporate drop out and momprenuer currently obsessed with sleep schedules, produce delivery and binge watching The Good Wife.  Her company Money With Moxie teaches women  to be powerful with money and use it as a tool to design their ideal life. She does this by exploring limiting beliefs and value alignment, while building  tangible debt and savings plans. 

 

Click here to learn more about her upcoming free challenge Money 101: Rebooting your Finances.

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