I like to watch reality competition shows.  Every so often, the contestants will be tasked with an interesting and unique challenge.  The game show announcer declares that the winner will receive $10,000 in cash!

Screams are heard from the hopeful contestants as they are filled with emotion at the possibility of earning $10,000.  Some jump up and down, others have tears in their eyes as they describe how their lives would change if they were to receive such a blessing.

I watch what unfolds with mixed feelings.

On one hand, I too would be excited if I received $10,000 for less than an hour of activity.  But, on the other hand, I never want to be in a situation where the only way to receive such an amount of money would be to win on a gameshow.  Yes, $10,000 is a lot of money, but at the same time... it isn't.

Years ago, I set the intension of saving $10,000 cash.  I picked that number because $10,000 was (and still is) a lot of money.  I wanted direct access to $10,000.  I never wanted to be in a situation where I never had five figures in the bank unless I won it on a gameshow.  I needed $10,000 to be normal and accessible.  T Harv Ekar talks about the financial thermostat in his book Secrets of a Millionaire Mind.  This is our self imposed financial comfort level.  The people who started crying at the thought of having $10,000 likely never had that amount of money.  But, on the other end of the financial spectrum are those who've made millions, lost it, and made it back again.  Once you reach a certain financial level, it becomes easy to replicate.

 My wish for every single person reading this post is that you have the opportunity to have at least $10,000 in your bank account.  Whenever an emergency situation comes up, you'll be ready.  If your family members need help, you can assist.  If you lose your job, you can continue to pay your bills. If an opportunity to invest comes your way, you can take advantage!  And if you were to lose the $10,000, you'd know how to get back to that level again.  Wouldn't you want that?

Good!  Let's talk about how to do it.

1. Create a system
When I first made the decision to become a deca-thousandaire, I went back to the basics.  The book that taught me was Automatic Millionaire.  I don't think I even finished reading the book before I set up automatic wealth deductions from my paycheck to my savings.   Saving automatically changed my life!   Reaching my goal was way easier than if I had to use discipline to get to the same outcome.

We receive 26 paychecks a year.  If we saved only $200 per paycheck, we'd easily have $10,000 in two years.

 "But Nadege.....two years is a long time."

Really?  If you would have started saving $200 a paycheck when North West was born. You'd have $10,000 by now.  That's how fast time goes by.   Even if you don't have and extra $200 to save each paycheck, start with $100 or $150.  As the years go by, you'll get raises and can increase your automatic deductions.  The point is to do it!   If you do nothing else in 2016.  Set an automatic deduction to a savings account and let it work for you.
 
2. Measure your results
The day I decided to save five figures, I opened up excel and created a spread sheet.  Each month I'd update my net worth tracker by listing my debts and the amount saved.  My favorite thing to do at the end of the month was to look at my numbers.  Chills went up my spine as I watched my net worth rise.  With every thousand dollars saved, I become even more excited about the day when my bank account would reach the magic number.  It was an obsession.

3. Enjoy saving. Hate Debt!
Let's face it, saving multiple thousands of dollars is easier when you don't have a ton of debt.  First and foremost you need to have a reduction plan in place.  At one point I had a car payment that needed addressing. So once I had a small amount saved, I threw all of my money at the stupid car payment until it was out of my life.  Every spare dime I had I allocated towards reducing the loan and I kept a log of how much interest saved as motivation to keep going.  

Debt causes your money to leak. Perhaps you could have saved those $10,000 multiple times over if you hadn't been paying on so many credit cards.   Debt is the enemy of your wealth and you must treat it as such.  You can't get comfortable with it. You can't have it lingering around.  It must be dealt with using a high level of urgency.   For help on how to attack your debt, I suggest Dave Ramsey's Total Money Makeover.

4. Stop thinking $10,000 is a lot of money. 
 One of the most powerful ways to manifest something in your life is to stop seeing yourself as separate from it.  When you're thinking "$10,000 is a lot of money" you might be falling into  the trap of viewing it as something that's unattainable.  Yes, $10,000 is a decent sum of money, but you've got to start getting comfortable with the idea of having a surplus of $10,000 cash.  It's a new mindset.

When I first began my financial transformation, the first thing I did was to stop flinching every time I saw a price tag of something that seemed expensive.  That doesn't mean I bought the item, it just meant that I couldn't overreact to the cost. This took a lot of work, because I was the cheapest person you know.  But once I stopped gasping for air every time I saw a $100 price tag, my mind and life began to shift.

You have to get comfortable with the notion of having that much money. If you don't, you'll do everything in your power, consciously and subconsciously, to keep yourself at your current financial level.

5.  Get to a milestone then replicate.
To save $10,000 in cash, all you have to do is create a system to save $1,000 in cash. Then replicate.  It's that simple.  If you can save $1,000, you can get to $10,000. It might take a little longer, but it's possible and it's worth it. Sure, thinks will pop up along the way which will cause you to dip into your savings.  But, you'll pay it quickly, then get right back on track towards your $10,000.  One thing I made sure to do was not get upset when a situation came up that required dipping into my savings, instead, I was grateful to have the money available.

 Having a cushion of $10,000 makes you feel so amazing.  You can walk into a store and get what you want. But chances are, you'll be wiser with your money because you'll want to maintain that $10,000 threshold.  When you've worked hard to build your savings, you won't be so quick to blow it.   I suspect the game show winners often spend their earnings as quickly as it comes in.

Why, because when you get a lump sum of money, the next thought that appears is: "how am I gonna spend it?"  But when you build up $10,000, the next thought is "how can I get this to $20,000....

And that's when the fun begins.

I like to watch reality competition shows.  Every so often, the contestants will be tasked with an interesting and unique challenge.  The game show announcer declares that the winner will receive $10,000 in cash!

Screams are heard from the hopeful contestants as they are filled with emotion at the possibility of earning $10,000.  Some jump up and down, others have tears in their eyes as they describe how their lives would change if they were to receive such a blessing.

I watch what unfolds with mixed feelings.

On one hand, I too would be excited if I received $10,000 for less than an hour of activity.  But, on the other hand, I never want to be in a situation where the only way to receive such an amount of money would be to win on a gameshow.  Yes, $10,000 is a lot of money, but at the same time... it isn't.

Years ago, I set the intension of saving $10,000 cash.  I picked that number because $10,000 was (and still is) a lot of money.  I wanted direct access to $10,000.  I never wanted to be in a situation where I never had five figures in the bank unless I won it on a gameshow.  I needed $10,000 to be normal and accessible.  T Harv Ekar talks about the financial thermostat in his book Secrets of a Millionaire Mind.  This is our self imposed financial comfort level.  The people who started crying at the thought of having $10,000 likely never had that amount of money.  But, on the other end of the financial spectrum are those who've made millions, lost it, and made it back again.  Once you reach a certain financial level, it becomes easy to replicate.

 My wish for every single person reading this post is that you have the opportunity to have at least $10,000 in your bank account.  Whenever an emergency situation comes up, you'll be ready.  If your family members need help, you can assist.  If you lose your job, you can continue to pay your bills. If an opportunity to invest comes your way, you can take advantage!  And if you were to lose the $10,000, you'd know how to get back to that level again.  Wouldn't you want that?

Good!  Let's talk about how to do it.

1. Create a system
When I first made the decision to become a deca-thousandaire, I went back to the basics.  The book that taught me was Automatic Millionaire.  I don't think I even finished reading the book before I set up automatic wealth deductions from my paycheck to my savings.   Saving automatically changed my life!   Reaching my goal was way easier than if I had to use discipline to get to the same outcome.

We receive 26 paychecks a year.  If we saved only $200 per paycheck, we'd easily have $10,000 in two years.

 "But Nadege.....two years is a long time."

Really?  If you would have started saving $200 a paycheck when North West was born. You'd have $10,000 by now.  That's how fast time goes by.   Even if you don't have and extra $200 to save each paycheck, start with $100 or $150.  As the years go by, you'll get raises and can increase your automatic deductions.  The point is to do it!   If you do nothing else in 2016.  Set an automatic deduction to a savings account and let it work for you.
 
2. Measure your results
The day I decided to save five figures, I opened up excel and created a spread sheet.  Each month I'd update my net worth tracker by listing my debts and the amount saved.  My favorite thing to do at the end of the month was to look at my numbers.  Chills went up my spine as I watched my net worth rise.  With every thousand dollars saved, I become even more excited about the day when my bank account would reach the magic number.  It was an obsession.

3. Enjoy saving. Hate Debt!
Let's face it, saving multiple thousands of dollars is easier when you don't have a ton of debt.  First and foremost you need to have a reduction plan in place.  At one point I had a car payment that needed addressing. So once I had a small amount saved, I threw all of my money at the stupid car payment until it was out of my life.  Every spare dime I had I allocated towards reducing the loan and I kept a log of how much interest saved as motivation to keep going.  

Debt causes your money to leak. Perhaps you could have saved those $10,000 multiple times over if you hadn't been paying on so many credit cards.   Debt is the enemy of your wealth and you must treat it as such.  You can't get comfortable with it. You can't have it lingering around.  It must be dealt with using a high level of urgency.   For help on how to attack your debt, I suggest Dave Ramsey's Total Money Makeover.

4. Stop thinking $10,000 is a lot of money. 
 One of the most powerful ways to manifest something in your life is to stop seeing yourself as separate from it.  When you're thinking "$10,000 is a lot of money" you might be falling into  the trap of viewing it as something that's unattainable.  Yes, $10,000 is a decent sum of money, but you've got to start getting comfortable with the idea of having a surplus of $10,000 cash.  It's a new mindset.

When I first began my financial transformation, the first thing I did was to stop flinching every time I saw a price tag of something that seemed expensive.  That doesn't mean I bought the item, it just meant that I couldn't overreact to the cost. This took a lot of work, because I was the cheapest person you know.  But once I stopped gasping for air every time I saw a $100 price tag, my mind and life began to shift.

You have to get comfortable with the notion of having that much money. If you don't, you'll do everything in your power, consciously and subconsciously, to keep yourself at your current financial level.

5.  Get to a milestone then replicate.
To save $10,000 in cash, all you have to do is create a system to save $1,000 in cash. Then replicate.  It's that simple.  If you can save $1,000, you can get to $10,000. It might take a little longer, but it's possible and it's worth it. Sure, thinks will pop up along the way which will cause you to dip into your savings.  But, you'll pay it quickly, then get right back on track towards your $10,000.  One thing I made sure to do was not get upset when a situation came up that required dipping into my savings, instead, I was grateful to have the money available.

 Having a cushion of $10,000 makes you feel so amazing.  You can walk into a store and get what you want. But chances are, you'll be wiser with your money because you'll want to maintain that $10,000 threshold.  When you've worked hard to build your savings, you won't be so quick to blow it.   I suspect the game show winners often spend their earnings as quickly as it comes in.

Why, because when you get a lump sum of money, the next thought that appears is: "how am I gonna spend it?"  But when you build up $10,000, the next thought is "how can I get this to $20,000....

And that's when the fun begins.

Welcome to the very last Monday of 2015.  And thank you for joining me for this special Monday Motivation post.

Last week, I spent a little time reflecting and I've come to the conclusion that it's time to tweak Mondays just a bit.  For the most part, Mondays will still consist of motivational type blog posts. But, I want to elevate the Monday experience and turn it into the best day of the week!

A year and a half ago, I absolutely dreaded Mondays.  In fact, I'd purposeful stay up late on Sunday nights in order to avoid going to sleep and waking up Monday morning.  There would be bunch of reports due and lots of phone calls to return.  Mondays were the kick off to another stressful week.
Now, I want to give Mondays a new meaning.  I want Mondays to truly be a day of motivation.  Think about it, if we can kick off the week with a nice, strong start, we'll be setting ourselves up for killer week.  And when we start stacking those amazing weeks, back to back, we essentially alter the course of our lives.

So what will the new Monday Motivation look like?

One thing I never do on Mondays is get in full alignment with my intentions.  Mondays should be the day when we fill ourselves with intention.  We should get reconnected with what we want to create for the week.  The first day of the work week the time to review your vision board and visualize your success.  Setting aside a little time to reconnect with your heart's desires should happen every single Monday morning.  Once that's done, you then break out your agenda and schedule your intention-based actions for the week.

Instead of dreading Mondays, you can start to love them.  You do this by infusing Mondays with inspiration.  Fill your morning with things you love before leaving for work.  Last year, my biggest source of inspiration came from reading about, or listening to the stories of people who accomplished what I desired.  For you inspiration can come from writing, listening to great music or painting.  Whatever your heart loves, schedule a little time for it before heading into work.  The entire week will comprise of you getting things done for others.  It only makes sense for you do something for yourself at the start of the week.

Your environment has a direct and immediate impact on how you feel. How you feel has a direct and immediate impact on your actions.  Therefore, we need to always be doing the work of elevating our environment.

I recall the time when I felt like my workdays were frantic and stressful.  Immediately, I began to do what was necessary to alter my immediate environment. I started buying meditation music CDs to play in my office. I also made sure my desk was clear of EVERYTHING except what I was working on the very moment.  Those two small tweaks increased my productivity and brought my stress levels way down.  Whenever you are feeling uninspired, take a look around and ask yourself, "is my environment contributing to my current results (or emotions).  If so, then move quickly to alter the situation.

I know we've talked about Fearless Friday in the past, but I'm thinking of incorporating elements of Fearlessness at the start of the week.  There's a project that's been on my to-do list for way too long. I suspect that has to do a lot with resistance.  So I've decided to get started on anything that I've been avoiding by implementing several micro-actions until the project is complete.  The theory I'm testing out is by starting the week with the most feared action on my to-do list, I'll plow throw everything else on the list with no problem.  We all know how good it feels to finally do something that's been weighing heavy on our minds.  Can you imagine how powerful it will be to have the sense of victory on the first day of each week?

Last, and most importantly, my intention is to inject elements of my future (or desired) reality into each Monday.  Sure, I'll still make a bunch of routine phone calls, and complete mundane activities. But I also intend to unorthodox things like get a facial, test drive my dream car, or go house hunting.

When I had a full time job, I would leave the office for lunch and drive to the nice part of town, sit at the cafes with my laptop pretend like I was an entrepreneur working on my latest project.  This was reality creation at it's finest. Other times, I'd eat lunch in my car while I read a copy of the 4 Hour Work Week or listened to various audiobooks.

For some people visualizing what they was works just as well.  I'm not that good at forming clear mental pictures so I prefer to recreate the vision in real life.  This has been a really powerful method for me and it's something I'd like to implement every Monday.


Welcome to the very last Monday of 2015.  And thank you for joining me for this special Monday Motivation post.

Last week, I spent a little time reflecting and I've come to the conclusion that it's time to tweak Mondays just a bit.  For the most part, Mondays will still consist of motivational type blog posts. But, I want to elevate the Monday experience and turn it into the best day of the week!

A year and a half ago, I absolutely dreaded Mondays.  In fact, I'd purposeful stay up late on Sunday nights in order to avoid going to sleep and waking up Monday morning.  There would be bunch of reports due and lots of phone calls to return.  Mondays were the kick off to another stressful week.
Now, I want to give Mondays a new meaning.  I want Mondays to truly be a day of motivation.  Think about it, if we can kick off the week with a nice, strong start, we'll be setting ourselves up for killer week.  And when we start stacking those amazing weeks, back to back, we essentially alter the course of our lives.

So what will the new Monday Motivation look like?

One thing I never do on Mondays is get in full alignment with my intentions.  Mondays should be the day when we fill ourselves with intention.  We should get reconnected with what we want to create for the week.  The first day of the work week the time to review your vision board and visualize your success.  Setting aside a little time to reconnect with your heart's desires should happen every single Monday morning.  Once that's done, you then break out your agenda and schedule your intention-based actions for the week.

Instead of dreading Mondays, you can start to love them.  You do this by infusing Mondays with inspiration.  Fill your morning with things you love before leaving for work.  Last year, my biggest source of inspiration came from reading about, or listening to the stories of people who accomplished what I desired.  For you inspiration can come from writing, listening to great music or painting.  Whatever your heart loves, schedule a little time for it before heading into work.  The entire week will comprise of you getting things done for others.  It only makes sense for you do something for yourself at the start of the week.

Your environment has a direct and immediate impact on how you feel. How you feel has a direct and immediate impact on your actions.  Therefore, we need to always be doing the work of elevating our environment.

I recall the time when I felt like my workdays were frantic and stressful.  Immediately, I began to do what was necessary to alter my immediate environment. I started buying meditation music CDs to play in my office. I also made sure my desk was clear of EVERYTHING except what I was working on the very moment.  Those two small tweaks increased my productivity and brought my stress levels way down.  Whenever you are feeling uninspired, take a look around and ask yourself, "is my environment contributing to my current results (or emotions).  If so, then move quickly to alter the situation.

I know we've talked about Fearless Friday in the past, but I'm thinking of incorporating elements of Fearlessness at the start of the week.  There's a project that's been on my to-do list for way too long. I suspect that has to do a lot with resistance.  So I've decided to get started on anything that I've been avoiding by implementing several micro-actions until the project is complete.  The theory I'm testing out is by starting the week with the most feared action on my to-do list, I'll plow throw everything else on the list with no problem.  We all know how good it feels to finally do something that's been weighing heavy on our minds.  Can you imagine how powerful it will be to have the sense of victory on the first day of each week?

Last, and most importantly, my intention is to inject elements of my future (or desired) reality into each Monday.  Sure, I'll still make a bunch of routine phone calls, and complete mundane activities. But I also intend to unorthodox things like get a facial, test drive my dream car, or go house hunting.

When I had a full time job, I would leave the office for lunch and drive to the nice part of town, sit at the cafes with my laptop pretend like I was an entrepreneur working on my latest project.  This was reality creation at it's finest. Other times, I'd eat lunch in my car while I read a copy of the 4 Hour Work Week or listened to various audiobooks.

For some people visualizing what they was works just as well.  I'm not that good at forming clear mental pictures so I prefer to recreate the vision in real life.  This has been a really powerful method for me and it's something I'd like to implement every Monday.



Years ago, I worked with a young lady who casually told me that she jogs every morning before work.  She also would bring salads for lunch and lived a relatively healthy lifestyle.  If I had to describe her in a couple of words, I'd say she was active and super fit.  Then, one day, another coworker revealed to me that our ultra-fit colleague once weighed around 300 lbs.

Shocked, was the only word that could describe my reaction.  At the time, I would listen to personal development audiobooks in my office. But here was a living example of transformation right before my eyes.  Immediately I called her into my office, asked her to take a seat, then I inquired about what made her change her life.  She wasn't too detailed. I suspect it was because she didn't want to revisit that time in her life again. But essentially, she told me that she was severely overweight and had terrible habits.  Then she made a new years resolution to change her body.  And she did......

In less than 2 weeks, we'll be entering a new year.  Lots of us will be making resolutions, much like she did. But many of our resolutions won't stick.  Why is that? What did she do differently and how can we learn to transform our lives the way she did?

Before we can answer those questions, we have to make a distinction.  The distinction is this. My coworker made a decision.  She didn't make an "I need to" or "I want to." There's a difference.  Saying "I want to lose weight" is not making a decision.  Getting up to jog regularly is.

Imagine someone is standing in front of you holding two ice cream cones.  One is chocolate ice cream, the other vanilla.  After a little consideration, you opt for the chocolate ice cream.  You've made your decision.

Too often, we think we're making a choice when in actuality, we are still in the decision making process.  "I need to" and "I want to" are still part of the process.  You're still deciding what flavor to choose.  No real decision was actually made.

Because once you decide, that's when things start to shift.  That's when life starts to look different.  Once my coworker decided to alter her health, her actions aligned.  She shifted from taking actions that created her 300 lb body, to actions the made her fit and toned.   Years after she made her decision, she took action to create her reality on a daily basis.  Her decision was firm.

She didn't choose chocolate ice cream but reach out for vanilla.  I know I'm guilty of doing that.  Saying I want something but then my actions directly contradict the words I spoke.  No, my friend aligned her actions fully aligned with what she wanted.  Another thing I'm guilty of doing is holding the chocolate ice cream in my hands, while still trying to take a lick of the vanilla.  My coworker did the exact opposite.  Once she lost her excess weight, she didn't dabble in the actions of her past.  That explains why she rarely choose to indulge in the high fat office snacks.  Once you choose chocolate, you are also making the choice not to have vanilla.  Accept that and move on.

So, here we are at the end of the year.  Looking back, I'm sure many of us are making plans to alter  our results in 2016.  The first place start is in making a real decision.  Then immediately choose the actions that correlate with your decision.  Once that's done, you align your actions daily.  And, before you know it, you get to enjoy the delicious goodness of your ultimate choice.