7 Mistakes Women Make With Money & How to Stop Making Them
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7 Mistakes Women Make With Money & How to Stop Making Them

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Presentation slides for a 3 hour workshop for women to improve their relationship with money. ...

Presentation slides for a 3 hour workshop for women to improve their relationship with money.

Discover a new groundbreaking practice. Learn practical skills and techniques to implement right away.

Helping women slay their money dragons and create purposely abundant lives.

© Susan Broughton 2013

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    7 Mistakes Women Make With Money & How to Stop Making Them 7 Mistakes Women Make With Money & How to Stop Making Them Presentation Transcript

    • I felt like a failure... © Susan Broughton 2013
    • ...turned out I am on the right path... © Susan Broughton 2013
    • ...and I can help you too! © Susan Broughton 2013
    • The plan for tonight• 7 Mistakes - What are they?• Top 3 Principals to Embrace (to Stop Making Them) ~ BREAK ~• Step by Step Success System• Apply the #1 Principal to Step #1 © Susan Broughton 2013
    • “Only 7?!?” © Susan Broughton 2013
    • I am just like you! © Susan Broughton 2013
    • Why does women’s money matter? © Susan Broughton 2013
    • What do I know about women’s money? © Susan Broughton 2013
    • What was missing? ...all the formal finance education explained waswhat to do with money, not why we do or don’t do it... © Susan Broughton 2013
    • What is a Money Dragon? © Susan Broughton 2013
    • What is Purposeful Abundance? © Susan Broughton 2013
    • How do the mistakes fit together? © Susan Broughton 2013
    • New ears? © Susan Broughton 2013
    • Why are you here? © Susan Broughton 2013
    • Congratulations!!! © Susan Broughton 2013
    • Your choice... © Susan Broughton 2013
    • Let’s Go! © Susan Broughton 2013
    • Oprah said it best“The money is a metaphor, always a metaphor, for your true worth.” - Oprah Winfrey © Susan Broughton 2013
    • Simple.Not easy to master. © Susan Broughton 2013
    • What are the 7 Mistakes? 1. Mismanaging Money 2. Giving Away Your Power 3. STDs 4. Being Ruled by Emotions 5. Walking The Wrong Path 6. No Structure 7. Doing Nothing © Susan Broughton 2013
    • Mistake #1Mismanaging Money & Comparing Yourself to Others © Susan Broughton 2013
    • Mistake #1Mismanaging Money & Comparing Yourself to Others Do you...• Know where your money is coming from? and why?• Know where your money is going? and why?• Understand that debt and being broke is expensive?• Understand that time = money?• Look at what other people have and feel you deserve the same? © Susan Broughton 2013
    • Mistake #1Mismanaging Money & Comparing Yourself to Others Are you...• Realistic about your income and expenses?• Willing to say no?• Aware of your spending triggers?• Able to calculate your real hourly rate?• Making goals and achieving them? © Susan Broughton 2013
    • Mistake #2Giving Away Your Power & Not Taking Your Income (or Income Potential) Seriously © Susan Broughton 2013
    • Mistake #2Giving Away Your Power & Not Taking Your Income (or Income Potential) Seriously Do you...• Understand your value?• Earn as much as you think you are worth?• Put other people’s needs in front of your own?• Let your partner look after the finances/make the decisions?• Underestimate your ability to manage money well? © Susan Broughton 2013
    • Mistake #2Giving Away Your Power & Not Taking Your Income (or Income Potential) Seriously Are you...• Willing to negotiate to get what you think you are worth?• Confident in your ability to deliver value at work?• Sacrificing more than you are comfortable with?• Aware of how powerful you are?• Continuing to learn, grow and set goals for your career and finances? © Susan Broughton 2013
    • Mistake #3STD (Sexually Transmitted Debt or Sexually Transmitted Dysfunction) © Susan Broughton 2013
    • Mistake #3STD (Sexually Transmitted Debt or Sexually Transmitted Dysfunction) Do you...• Understand the value you bring to the relationship?• Understand the value your partner brings to the relationship?• Understand your values about money?• Understand your partner’s values about money?• Ever argue about money? © Susan Broughton 2013
    • Mistake #3STD (Sexually Transmitted Debt or Sexually Transmitted Dysfunction) Do you...• Have common/shared financial goals?• Feel you have your partners bests interests at heart?• Feel your partner has your best interest at heart?• Ever feel you have given up a lot for the relationship?• Ever feel your partner brings more to the relationship than you? © Susan Broughton 2013
    • Mistake #4Being Ruled By Your Emotions & Justifying your Decisions or Indecision © Susan Broughton 2013
    • Mistake #4Being Ruled By Your Emotions & Justifying your Decisions or Indecision Do you...• Make money decisions that you later regret?• Have things that you bought and don’t use?• Feel scared to ask for (more) money from your work/clients?• Ever feel you just “have” to have something?• Feel empty or incomplete when you don’t shop? © Susan Broughton 2013
    • Mistake #4Being Ruled By Your Emotions & Justifying your Decisions or Indecision Do you...• Worry about money and avoid spending?• Feel immediately better after buying something?• Find you are explaining your decisions to yourself or others?• Feel scared about investing your money?• Worry that you are not making wise choices with your money? © Susan Broughton 2013
    • Mistake #5Walking a Path that is Not Your Own © Susan Broughton 2013
    • Mistake #5 Walking a Path that is Not Your Own Do you...• Enjoy your work?• Find moments of joy in every day?• Understand and appreciate your talents and gifts?• Make career and job decisions based on what is “logical”?• Feel scared to try something new in case you are not good at it? © Susan Broughton 2013
    • Mistake #5 Walking a Path that is Not Your Own Do you...• Do things you love every day?• Feel like you get to share your own special gifts and talents?• Feel a deep connection to your work and life?• Get told how special you are?• Get the appreciation you desire? © Susan Broughton 2013
    • Mistake #6Confusing, Unclear or No Structure © Susan Broughton 2013
    • Mistake #6 Confusing, Unclear or No Structure Do you...• Have a hard time remembering what bank accounts you have?• Know which account your pay goes into?• Know which account your bills are paid from?• Spend a lot of time to ensure there is money to pay your bills?• Forget if you have paid a bill on time? © Susan Broughton 2013
    • Mistake #6 Confusing, Unclear or No Structure Do you...• Have mental blocks around your financial records?• Have an organised system for your finances?• Worry if your transaction will be approved?• Pay off your credit cards each month?• Know how much money you require to pay your bills? © Susan Broughton 2013
    • Mistake #7Doing Nothing © Susan Broughton 2013
    • Mistake #7 Doing Nothing Do you...• Avoid opening up your mail?• Avoid looking at your bank accounts online?• Have a weekly or monthly routine for money management?• Seek advice when you need it?• Let your partner deal with the money? © Susan Broughton 2013
    • Mistake #7 Doing Nothing Do you...• Have adequate insurance?• Know where your superannuation is and how it is invested?• Have a Will and an Enduring Power of Attorney?• Review your super/insurance & Will yearly?• Review your bank accounts & loans at least yearly? © Susan Broughton 2013
    • What are the 7 Mistakes? 1. Mismanaging Money 2. Giving Away Your Power 3. STDs 4. Being Ruled by Emotions 5. Walking The Wrong Path 6. No Structure 7. Doing Nothing © Susan Broughton 2013
    • Top 3 Keysto Embrace when you are Ready to Stop Making Mistakes with Your Money 1. Awareness & Responsibility 2. Education Information & Control 3. Self Belief © Susan Broughton 2013
    • Key #1Awareness & Responsibility © Susan Broughton 2013
    • Key #1Awareness & Responsibility Are you... • Aware of your money values and beliefs? • Aware what drives your money decisions? • Aware of your gifts, talents and purpose? • Aware that you created this life you live? © Susan Broughton 2013
    • Key #2Information, Education & Control © Susan Broughton 2013
    • Key #2Information, Education & Control Do you...• Know where to go to get the information you need?• Feel you are properly educated in financial concepts?• Feel in control of your finances and financial future? © Susan Broughton 2013
    • Key #3Self Belief © Susan Broughton 2013
    • Key #3 Self Belief Do you...• Believe you can create a life of abundance?• Believe it is safe to create a life of abundance?• Believe in your own worth?• Believe in your dreams?• Believe in your purpose? © Susan Broughton 2013
    • Top 3 Keysto Embrace when you are Ready to Stop Making Mistakes with Your Money 1. Awareness & Responsibility 2. Education Information & Control 3. Self Belief © Susan Broughton 2013
    • © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money I want to share the things... • that I regularly practice, and • that I know work. © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money What would it mean to you? What is possible if money wasn’t a problem? Here’s what it meant to me.... © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money A home that I love and easily afford. © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money My own business... © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money Time and space for creative expression © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money Time and space to connect to nature © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money Time and space to learn, grow, have fun! © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money Financial empowerment = choices © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money Travel © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money Giving Back © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money The courage to be bolder © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money Connecting with inspiring local women © Susan Broughton 2013
    • Step by Step Process to Stop Making Mistakes With MoneyConnecting & Sharing with an International Community © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money Knowing I make a difference © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money Joy! ...amongst the sorrow & challenges... © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money I want to share the things... • that I regularly practice, and • that I know work. © Susan Broughton 2013
    • Step by Step Processto Stop Making Mistakes With Money 1. Manage Your Money 2. Own Your Power 3. Treat & Prevent STDs 4. Let Emotions be Your Guide 5. Find & Walk Your Own Path 6. Create an Easy to Manage Structure 7. Create your Financial Habits © Susan Broughton 2013
    • Step #1 Manage Your Money(So it doesn’t manage you) © Susan Broughton 2013
    • Step #1 Manage Your Money(So it doesn’t manage you) • Track what is coming in and out. • Live within your means. • Be realistic. • Know what you need & want. • Set goals and plans. • Don’t be cheap. • Appreciate the little things. © Susan Broughton 2013
    • Step #2 Own Your Personal& Income Generating Power © Susan Broughton 2013
    • Step #2 Own Your Personal& Income Generating Power• Create a daily practice to connect.• Silence, stillness & solitude.• Grounding exercises (ex. going home).• Empowering beliefs.• Work with your shadow.• Ego power vs. true power.• Back yourself financially. © Susan Broughton 2013
    • Step #3 Treat & Prevent STDs(Sexually Transmitted Debt & Dysfunction) © Susan Broughton 2013
    • Step #3 Treat & Prevent STDs(Sexually Transmitted Debt & Dysfunction) • Know what value you bring to the relationship. • Know what value your partner brings to the relationship. • If single, list intentions & desires. • Know what your values are. • Know what your partner’s values are. • Couples - talk to each other’s values. • Singles - sort on values & stay with the desire of your ideal. © Susan Broughton 2013
    • Step #4Let Emotions Be Your Guide (Not your boss) © Susan Broughton 2013
    • Step #4 Let Emotions Be Your Guide (Not your boss)• Deep breaths.• “I am not my thoughts.”• “I am not my emotions.”• Beliefs: what is true for some is also true for you.• Connect to your deepest desires.• Chart your course and stick to it. © Susan Broughton 2013
    • Step #5Find and Walk Your Own Path © Susan Broughton 2013
    • Step #5Find and Walk Your Own Path • Follow your bliss. • Keep a joy journal. (What made me feel joyful today?) • Joy reflection exercise. • Own your crazy ideas. • Take small steps. • Celebrate. © Susan Broughton 2013
    • Step #6Create an Easy to Manage Structure © Susan Broughton 2013
    • Step #6Create an Easy to Manage Structure • KISS • Prioritise. • Pay off the credit card each month. • Pay yourself an “allowance”. • Who keeps you accountable? © Susan Broughton 2013
    • Step #7Create (daily, weekly, monthly & annual) Habits © Susan Broughton 2013
    • Step #7Create (daily, weekly, monthly & annual) Habits• Daily habits - especially important in the early stages, more about emotions and awareness than money.• Weekly habits - weekly tracking of money in and out.• Monthly habits - review how your month went, on target for $ and joy?• Annual reviews - insurance, Wills, investments, loans & bank accounts. © Susan Broughton 2013
    • Step #1 Manage Your Money (So it doesn’t manage you) with Key #1Awareness & Responsibility © Susan Broughton 2013
    • Why? Purpose What? Description Who? Who With & Who For? When & Where? Date & Time & Location How? How do you feel about it now? “We can tell our values by looking at our Reflect check book stubs.” How do you feel about it later? - Gloria Steinem“The money is a metaphor, always a metaphor, for © Susan Broughton 2013your true worth.” - Oprah Winfrey
    • Ask Why?What is the purpose? What choices have you made in the past or present that relate to thisdecision?Ask What?What it is that you are exchanging? What are you giving up or receiving in exchange for themoney?Ask Who?Who with and who for. Who are you earning the money with? Who are you earning themoney for? ORWho are you spending the money on? Who are you with when you spend it?Ask When and Where?What is the date, time and location. When and where does the money flow in or out?Ask How?How do you feel about the cash flow?How well does the cash flow align with your values? How much satisfaction are you receivingand how does this compare to what you are giving up? © Susan Broughton 2013
    • Do you feel like you have to choose? © Susan Broughton 2013
    • You can be financially abundant. You can live a life that matters. But... ...how do you do both? © Susan Broughton 2013
    • How Else Can I Support You? © Susan Broughton 2013
    • Free Gifts!!! © Susan Broughton 2013
    • Money Harmony Journal © Susan Broughton 2013
    • One on One Support © Susan Broughton 2013
    • The word on the Street"There is no way I could have done it without you, and that you are such a joy to workwith is a real bonus. Thank you.""I really am grateful for all your help - who knows what I might have done (or not done)without you." "I love the blend of financial literacy and empowerment. This resonates fully with me!! Thank you." "Susan, you have a wealth of knowledge and an ease with sharing yourself with others. I feel inspired to action." © Susan Broughton 2013
    • The word on the Street"I set my financial goals and had so may ideas of how to achieve them swimming around inmy head. Susan was fantastic in offering an objective view and helping me think in a morestructured way. She helped me put “my ducks in a row” and clear my thoughts. I would,and have, recommend(ed) Susan to my friends who want to get a handle on their financialsecurity."- Jennifer, Perth WA"My results of following Susans guidance and putting in the basic effort was, and still is,reflected back to me by a 30% increase in my income within 2 months.I am so grateful for meeting Susan and for having greatly benefited from how she sharesher unique gift of knowledge, skill and wisdom with heart and soul."- Melanie, Wembley Downs WA © Susan Broughton 2013
    • Hope & Healthy Cynicism © Susan Broughton 2013
    • Do you desire big change? © Susan Broughton 2013
    • Do you desire big change? From Mistakes to Opportunities: Opening Up to Your Purpose and Abundance ~ 6 Week Class ~★ Create a deeper understanding of how you have made, currently make or risk making the 7 mistakes.★ Learn new strategies and mindset skills to stop making the mistakes.★ Applying the three keys to turn mistakes with money into opportunities for abundance. © Susan Broughton 2013
    • From Mistakes to Opportunities: Opening Up to Your Purpose and Abundance ~ 6 Week Class ~What you will get out of it:★ Awareness of your money habits & habits that impact your money.★ Awareness of patterns you follow that hold you back from creating a life of abundance.★ Awareness of your money blocks and limiting beliefs.★ Ways to improve your relationships with your money.★ Ways to move forward and make positive changes.★ Strategies to increase your wealth & abundance to support your life purpose. © Susan Broughton 2013
    • From Mistakes to Opportunities:Opening Up to Your Purpose and Abundance ~ 6 Week Class ~ This is for you if: ★ You believe or want to believe that you are worth it! ★ You want to have a life that you deeply desire! ★ You desire to feel more ready for the challenges ahead! ★ Your beliefs and patterns are holding you back! ★ You are ready to step more fully into your purpose! ★ You want your finances to support your purpose! © Susan Broughton 2013
    • From Mistakes to Opportunities: Opening Up to Your Purpose and Abundance ~ 6 Week Class ~What’s Included:6 Weekly Classes $577To bring a greater awareness of how you make the 7 mistakes and the many ways they canmanifest. To get empowered with information to enable you to stop making the mistakes. Theclasses will also assist in identifying beliefs that prevent you from creating the life of yourdreams.One Hour One on One Outcomes Session $197This session with Susan is all about helping you to gain clarity on the life you want to createand how your finances will support this. It will help you to set crystal clear personal outcomesto work towards.Money Harmony Journal $27Beautifully designed 68 page journal with unique guided awareness exercise.Allow your spending habits to be transformed.How to Use Money Harmony Journal MP3 $17Learn more about how to get to most of your Money Harmony Journal. TOTAL VALUE of Program $818 © Susan Broughton 2013
    • From Mistakes to Opportunities:Opening Up to Your Purpose and Abundance ~ 6 Week Class ~ Total value = $818 Regular investment is $597For a limited time* the investment will be only $397 The investment is less than 50% of the value! © Susan Broughton 2013
    • From Mistakes to Opportunities: Opening Up to Your Purpose and Abundance ~ 6 Week Class ~ Plus the first 8 women to register also receive these bonuses worth $359Creating Empowering Beliefs 1/2 day Workshop $147The beliefs workshop will dive deeper into your beliefs. You will learn more about howyour beliefs are formed and how they impact your life. You will learn techniques that youcan use at home on your own to process emotions relating to your beliefs and to createbeliefs that empower you to create the life you want.One Hour One on One Beliefs and Habits Session $197This session with Susan is to use the information you have learned about your beliefs andhabits to break through your stickiest beliefs and habits.Empowering Money Beliefs Meditation $17Relax and unwind with a soothing empowering beliefs meditation recording. TOTAL VALUE of Bonuses $359 © Susan Broughton 2013
    • From Mistakes to Opportunities:Opening Up to Your Purpose and Abundance ~ 6 Week Class ~ Total value = $818 Regular investment is $597For a limited time* the investment will be only $397That is over 50% off plus $359 worth of bonuses Total value of $1,177 © Susan Broughton 2013
    • From Mistakes to Opportunities:Opening Up to Your Purpose and Abundance ~ 6 Week Class ~ If you come to the classes, do the work and don’t experience a change in your relationship with money then I don’t want your money. © Susan Broughton 2013
    • From Mistakes to Opportunities:Opening Up to Your Purpose and Abundance ~ 6 Week Class ~For a limited time* the investment will be only $397 Total value of $1,177 © Susan Broughton 2013