h: Free yourself from the idea that self-worth is attached to material worth...then you will need less and your debt will lessen.

Integrity: Be consistently positive in what you think, say and do with your money. Connect your mind, body, and spirit with your actions to have peace.

Courage and Power: Have the courage it takes to make tough decisions about your fin

Money can be emotionally charged. Do you get emotional about your money situation? Making and keeping money is easy for some, and a burden for others.

Kara has a positive, thrifty money attitude, is grateful for blessings, and puts her money to work. Mary is frustrated, angry, always short of money and wonders why. Who do you resemble? Seeing and changing the emotions that keep you stuck frees you to create the financially independent and life you dream of.

Financial success is a learned skill. During my financial challenges, I learned about the joy of staying on a budget and living a simpler life in order to have balance and harmony. I encourage you to practice these attitudes and actions for prosperity and peace of mind:

Self Care: Care enough about yourself (and your family) to monitor your money flow and keep track of debt. Setting priorities helps you become dependable with money.

Healthy Emotions: Be willing to give up your negative emotions of anger, frustration, shame, guilt and sadness over money. Decide to move on.

Smart Choices: Commit to noticing what you spend money on, and monitor if your choices create stress or peace of mind. Choosing peace of mind results in responsible spending, a balanced budget, and money for savings and giving.

Self Responsibility: You are responsible for your money decisions! Own this responsibility without blame.

Plan: Make a spending plan (budget) to include savings as well as "needs", then "wants".

Action: Take action on your plan, stick to it, tracking your spending within your income, to reach your goals.

Self-Worth: Free yourself from the idea that self-worth is attached to material worth...then you will need less and your debt will lessen.

Integrity: Be consistently positive in what you think, say and do with your money. Connect your mind, body, and spirit with your actions to have peace.

Courage and Power: Have the courage it takes to make tough decisions about your fina

and life you dream of.

Financial success is a learned skill. During my financial challenges, I learned about the joy of staying on a budget and living a simpler life in order to have balance and harmony. I encourage you to practice these attitudes and actions for prosperity and peace of mind:

Self Care: Care enough about yourself (and your family) to monitor your money flow and keep track of debt. Setting priorities helps you become dependable with money.

Healthy Emotions: Be willing to give up your negative emotions of anger, frustration, shame, guilt and sadness over money. Decide to move on.

Smart Choices: Commit to noticing what you spend money on, and monitor if your choices create stress or peace of mind. Choosing peace of mind results in responsible spending, a balanced budget, and money for savings and giving.

Self Responsibility: You are responsible for your money decisions! Own this responsibility without blame.

Plan: Make a spending plan (budget) to include savings as well as "needs", then "wants".

Action: Take action on your plan, stick to it, tracking your spending within your income, to reach your goals.

Self-Worth: Free yourself from the idea that self-worth is attached to material worth...then you will need less and your debt will lessen.

Integrity: Be consistently positive in what you think, say and do with your money. Connect your mind, body, and spirit with your actions to have peace.

Courage and Power: Have the courage it takes to make tough decisions about your fin

ities helps you become dependable with money.

Healthy Emotions: Be willing to give up your negative emotions of anger, frustration, shame, guilt and sadness over money. Decide to move on.

Smart Choices: Commit to noticing what you spend money on, and monitor if your choices create stress or peace of mind. Choosing peace of mind results in responsible spending, a balanced budget, and money for savings and giving.

Self Responsibility: You are responsible for your money decisions! Own this responsibility without blame.

Plan: Make a spending plan (budget) to include savings as well as "needs", then "wants".

Action: Take action on your plan, stick to it, tracking your spending within your income, to reach your goals.

Self-Worth: Free yourself from the idea that self-worth is attached to material worth...then you will need less and your debt will lessen.

Integrity: Be consistently positive in what you think, say and do with your money. Connect your mind, body, and spirit with your actions to have peace.

Courage and Power: Have the courage it takes to make tough decisions about your fin

ings and giving.

Self Responsibility: You are responsible for your money decisions! Own this responsibility without blame.

Plan: Make a spending plan (budget) to include savings as well as "needs", then "wants".

Action: Take action on your plan, stick to it, tracking your spending within your income, to reach your goals.

Self-Worth: Free yourself from the idea that self-worth is attached to material worth...then you will need less and your debt will lessen.

Integrity: Be consistently positive in what you think, say and do with your money. Connect your mind, body, and spirit with your actions to have peace.

Courage and Power: Have the courage it takes to make tough decisions about your fin

h: Free yourself from the idea that self-worth is attached to material worth...then you will need less and your debt will lessen.

Integrity: Be consistently positive in what you think, say and do with your money. Connect your mind, body, and spirit with your actions to have peace.

Courage and Power: Have the courage it takes to make tough decisions about your financial limitations and make changes in order to make your life better in the future. You have the power to do this. "Tough now, easy later or easy now, tough later."

Harmony: Letting go of your past (but learning from it) and planning for your future, then taking action in the present moment brings harmony.

Generosity: Give of your time, talents, and money and open to receive an abundance of love, support and joy for yourself.

I invite you to begin today to change your attitude and your emotions, and then change your finances and your life to experience prosperity, peace of mind, and sleeping better. It's your choice!