Author Archive

About the Author: SandraBaptist
http://www.sandrabaptist.com
Sandra Baptist is fast becoming the expert in small business transformation! Sandra has the ability to see how women can make more money, become more client-attractive in their marketing, plug the holes and leaks and actually have a FABULOUS, stress-free business! Her passion is helping women create bigger, better lives for themselves and their families. Sandra created “Wealthy Womanpreneur” to teach women how to create more opportunitites for themselves, through the creation of businesses; through making more money AND keeping it to create more wealth. Sandra has been seen on many national and international media, including ABC, NBC, Fox and CBS affiliates, Personal Excellence Magazine, as well as closer to her island home, in the Antigua/Barbuda Business Focus, CaribArena, ABI TV “Young Entrepeneurs” and ABS TV. She lives on the island of Antigua and has a 6-year old “karate-kicking” son.

What’s your Excuse?

Written November 3rd, 2011 by
Categories: Issues, Money

The only reason a business fails is because the owner gives up. They encounter barriers, roadblocks or difficult circumstances and instead of finding a way over, around or through them, they stop. You may not like this reality, but it’s true.

In my interview series, The Money Impact: 11 Conscious Entrepreneurs Tell You the Truth about Money, Success and Making a Difference, a common theme through out all of the interviews is that each speaker never gave up. They created their vision and they stuck to it. They were committed to making their vision a reality. When unfortunate circumstances came up, they found a way to go over, around, through or under them. They used challenges as opportunities to change, adapt and grow. They are successful because they did not stop.

I believe that owning your own business and becoming an entrepreneur is the best self development course (right next to parenting) on the planet. All of our fears, insecurities and issues come right up in our face. Once we see them, we must make the choice to stop or to keep moving forward. Let’s look at 3 of the most common “reasons” why people stop in their journey.

Not enough money. The truth is that the money for what you want to do, be or have is already present. It is often in investments, retirement saving, possessions that can be sold, “rewards” we regularly give ourselves, a part time job that can be acquired as a business loan, talents or gifts you are not currently using, or in the bank account of relatives or friends who would be willing to support you in your dream.

The real issue is not the lack of money, the real issue is the fear and discomfort obtaining the money (pulling out of investments, selling possessions, changing our spending habits, asking people for help, getting another job, embracing our gifts, charging higher prices for our services) creates. It’s easier to stay stuck than to do what you need to do to get the money for what you want to do be or have.

My spouse or partner won’t let me. This one always surprises me. Being trained in family therapy, I know that healthy relationships require mutual respect and support. Partners who love and respect each other support the dreams and aspirations of the other person. They want the other to succeed, stand in their brilliance and be happy. That usually requires sacrifice, redistribution of tasks, on-going negotiations and a lot of good communication. If your partner or spouse won’t support you in living your purpose and being happy by agreeing to spend the money, watch the kids, be emotionally available or help with the household chores, then it is time to examine the health of your relationship and question why you are choosing to create a relationship with someone who isn’t invested in your happiness.

I don’t have enough time or I have too much going on right now. Time is a lot like money. There is plenty of time to do what we want to do. Unfortunately most healers are caretakers and spend a lot of their time taking care of others and doing things they “should” do. Finding the time usually means learning to say “no” and delegating tasks that others can do. The real issue is not time, it is the fear and discomfort of saying no, letting go of responsibility (and control) and risking disappointing others.

We all have stopping points. I know I do and while I can easily see them in others, I don’t always see them in myself. That’s why I surround myself with people who are more than willing to point out when I am stopping myself or limiting my growth. So what’s your stopping point?

I’d love to hear your thoughts on this article. Please share your comments.

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Melanie Yost has been called a “miracle worker”. She has the ability to take negative situations and create lasting positive results. A therapist for 20 years and now a business development coach, she has successfully worked with individuals to transform their lives, their situations, and most importantly, their outcomes. When people are looking for an opportunity to create a 180 degree turn in their finances, beliefs, business and lives, they seek Melanie’s acute wisdom and compassionate touch. To learn more about Melanie and the products and services she offers, go to www.awakenyourentrepreneur.com.

Budgeting – the pros and cons for Women Entrepreneurs

Written October 31st, 2011 by
Categories: Issues, Money

Budgeting to save money is a no-brainer, but it isn`t always easy. Most people never even begin saving money because they`re too concerned with all the downsides involved in maintaining a tight budget.

As for the cons, habits are incredibly hard to break. This is certainly true of spending. Anyone used to drinking their ritual morning cup of overpriced latte will have a difficult time breaking the coffee shop habit. A young couple that spends most nights going out to eat rather than cooking cheap meals at home will have a hard time adjusting their taste buds. No matter what your situation is, you have habits and habits are not easily broken.

The good news is that research has proven that any habit can be broken in 28 days. Skipping the coffeehouse for 28 mornings straight will leave you wondering why you ever made such a big deal of it to begin with.

Creating and maintaining a budget is the same way. It is difficult to make it past the 28-day goal and even harder making it through the first week, but keep your overall goal in mind. Consider it a form of rehab, an experience that will be one of the most challenging and most rewarding of your life.

Budgeting also means you won`t be able to buy what you want. That`s a major upset for many people. The pro here is that you will be able to focus more on what you need. If you`re used to eating fast food every day but your budget can`t fit that in anymore, you can now make room for healthier and cheaper food choices to prepare at home.

Of course, the major pro is that you will save money! You`ll also get debts paid off much quicker. Maybe you are budgeting to pay down student loans or save money for a mortgage down payment. Whatever the reason for budgeting, keep it in mind whenever you feel like you can`t stick to the plan anymore.

You will quickly learn where your strengths and weaknesses are and how you can improve them because you`ll know where every penny is being spent. A budget can even help you plan for retirement, future college funds, vacations and emergency funds. These things may seem like dreams right now, but those first baby steps are the most important.

Budgeting means that you will be able to predict your finances for next month, next year, or even five years from now. When you find yourself overspending on groceries by $10 a month, you can whittle down another area, such as a monthly entertainment budget, to make up the difference. You`ll learn to be more flexible and responsible.

Being mindful of saving money, of keeping track of every dime you earn, is enough reason to maintain a tight budget. You won`t wonder where that $100 went because there won`t be any more spontaneous dining out trips or movie theater trips. This doesn`t mean you can`t work these treats into your budget; it just means there will be less of them, that they will be planned and that these little splurges will become even more special.

Understanding the Energy of Money

Written October 27th, 2011 by
Categories: Issues, Money

Money – we all want more of it. We want more to come in and less to go out.

Money is a major concern for the majority of the business owners with whom I have been speaking recently. They are scared. They are worried about spending money. Their plan for surviving “this economy” is to hang on to it, choosing very carefully what to buy.

Poverty consciousness really seems to be heightened among people in general and business owners in particular.

Poverty consciousness says that there is not enough money. Read the rest of this entry »

Are you thinking thoughts of wealth or scarcity?

Written October 26th, 2011 by
Categories: Issues, Mindset, Wealth

In times like this when asset values are declining, savings accounts pay little interest, debt is piling up, and people are losing their jobs and homes, it can be easy to get down and start getting mired in the negativity.

It can feel overwhelming that you can’t get a break, the odds are against you, nothing works, and you don’t know where to turn to get out of the hole you’ve fallen into.

May I suggest you start with inside your head? Read the rest of this entry »

Getting out of debt

Written October 25th, 2011 by
Categories: Business, Issues, Money, Wealth

No one likes making those debt payments every month. Whether it is a credit card bill, a personal loan, or even a car loan it is money out of your pocket and into the hands of someone else. It isn`t always easy to get out of debt, but when you put together a plan and make a real commitment to this effort, it can be done.

Here are five important factors for getting yourself free from the money that you owe.

The most important part of getting yourself out of debt is to stop spending and accumulating more debt. While it may be a real shock to the system, you can`t keep going on the same way and expect things to change. You have to put an end to the debt accumulation and completely change your focus. Instead of spending, consider saving money by making larger payments to those debts.

Sacrifice is never fun to think about but in most cases it is the only way to get out of debt. You can`t have everything that you want. In order to decrease debt you have to not only stop spending, but also come up with extra cash to put towards the amount that you owe. There are different levels of sacrifice. You don`t want to completely give up on your grocery budget, but you can cut back on the amount of times that you eat out in a week. You can`t stop buying clothes completely but you can purchase less and re-use the items that you already have. Find a place where you can make a cut.

Start with one debt and work your way through it. It can be overwhelming to try to put extra money towards each of the different debts that you have. Instead, choose just one debt and put all of your extra money to that one payment. Eventually, it will be paid off and you can move on to something else. You will realize the difference that your efforts are making and you will be encouraged to continue the process.

Realize that every cent counts. Even if you aren`t putting hundreds of dollars each month towards a debt, it doesn`t mean that you aren`t making a difference. Look at each and every cent as a way for you to make a change in your life. For example, when you save a few cents at the grocery store, it may not seem like much. But you can now take that extra money and use it to work your way out of debt. Those cents eventually add up to your financial freedom. If you can only send an extra dollar or two towards the debt, go ahead and do it.

The final tip for getting out of debt is keeping your eye on the prize. There are so many temptations and setbacks that will make you question your decision. You may be wondering whether or not it is worth it to get out of debt.

Consistently remind yourself that the money you are paying to someone else now could be going into your savings account. You could be eating out more, shopping more and even enjoying life more without the hassle of debt and owing money to other people or companies. You may want to create an area in your home that will remind you of what you could be doing with the money that you are spending to repay your debt to Barclays credit card. It can keep you motivated and encouraged to stay on the right path.

Postpone your Procrastination indefinitely- 5 ways to conquer this demon once and for all

Written October 24th, 2011 by
Categories: Issues, Mindset

© Sandra Baptist 2005-2011

We’ve all done it at some time or other. We put off our exercise routine until tomorrow; we continually delay finishing that project or starting that business.

Procrastination is the mother of all demons and can literally stop you in your tracks from achieving all that you desire.

Here are 5 effective processes you can use to slay this giant:

1. Do it now
Hold your breath and jump right in! Putting things off until the last minute is a bad habit and like all habits is ingrained in our subconscious mind and hard to break. It feels like the normal thing to do and we simply continue along our path. To complete a task immediately may even feel strange or like a forced action.

When your boss gives you a task or when your clients or customers request your expertise, do it right away!

You not only look well-organized to others, the feeling that the job is done, is complete before the deadline, will be one of relief and gratitude.

How would this efficiency look to your customers when you request a referral or to your boss when salary reviews are approaching? I would think, “Great”.

2. Take baby steps
Sometimes we procrastinate because the task may be intimidating to us. Perhaps we have no possible inkling on where to start.

In these cases, it is quite fine to take it one step at a time.

Say you are preparing a business plan and for the 5th time this week, you’ve turn on the PC and looked at the blank screen. Or you’ve just remembered you need to do some more research before you begin…you’re still not ready.

My friend you ARE ready.

You simply need to break down the project into smaller pieces and tackle each bit separately. Make each task an individual project and after completion of each one, celebrate and acknowledge your achievement.

Soon you’ll be finished and have no idea why you were putting it off in the first place!

3. Vision the perfect
Ah! I love this one. I use the Law of Attraction with my clients to have them easily and effortlessly achieve their dreams and desires and in effect, their vision.

Once you are aware that you are in fact procrastinating, creating a vision of you achieving the perfect plan is extremely helpful. When you create a vision you write in the present tense…as if you have already achieved your goal or if you are in the process of completing it.

For example, we go back to the business plan. Your vision may look something like this.

“I am so grateful that I have completed all the research I need for my business plan. I am finding the information easily using the internet. People that have written business plans are offering me advice that allows me to create an exciting plan that I resonate with. As I write, the words come to me effortlessly….”

In creating a vision and focusing on it daily, the universal laws state that things, people, processes will begin to occur in your life that will allow you to attract that vision.

4. Forget it
Why force the issue? If you have been ‘dragging your feet’ on something for a very long time, it may all be for the best.

Something, somewhere is trying to tell you something. That something is your intuition and it is usually right!

Think about something that you have been putting off again and again and again. What are the reasons that you need to complete this task in the first place? Does someone want you to do this? What is THEIR agenda? What are YOUR reasons for this lengthy delay?

I find it amazing that 99% of the time I put off doing something, I am thankful that I did! Disregarding a project after a long period of procrastination is however usually a last resort.

5. Support team
Do you put off tasks because you feel that there are too big and complex for you to handle alone? Or because you need assistance? Be honest with yourself. “No man is an island”.

Ask for help! There are many resources out there that can provide you with all you need to carry out your job.

If you’re a solo-professional and you put off answering emails, then don’t answer them yourself. Hire an assistant, find some college students that want experience, get a family member to help.

Procrastinating on life changing activities could be as a result of fear of the unknown. Get a mastermind group together, find a mentor or a coach, join a support group in your area or online.

You don’t have to do it all by yourself. Just ensure that to kick this habit; do what feels good to you in whatever method you choose. You’ll surely postpone procrastination for a very long time.

What have you been putting off? Which of these 5 methods will you use today? Share below!

The Psychology of Undercharging

Written October 22nd, 2011 by
Categories: Issues, Money

Many helping professional find themselves stuck in the trap of regularly reducing their rates.

This is a destructive cycle that not only hurts you, it also hurts your clients and has a negative impact on the treatment process.

Here’s how the cycle goes:

Reducing your rates decreases your income => which increases financial stress => which affects how you feel about yourself and the services your offer => which decreases the investment clients make in their own treatment => which creates feelings of frustration and resentment for you => which affects your energy and your thoughts about your clients => which negatively impact their treatment (the benefits and results) => which further affects how you feel about your value => which puts you out of resonance with the energy of money => which sets you up to continue attracting clients who can’t afford you => which means you reduce your rates . . . .and the cycle continues.

See how that works?

After talking with hundreds of helping professionals, I have come to understand the psychology of undercharging.

So, here are the 4 top reasons healers undercharge for their services: Read the rest of this entry »

Prosperity Nugget #36

Written October 7th, 2011 by
Categories: Issues, Mindset

Let go of your past by cleaning out the clutter in your life…your closet, your house. Let go of any burdensome associates or friends; forgive them… by doing this you allow abundance and prosperity to flow in.

Overcoming 6 Years Of Failure (important lesson) By Mike Litman

I was the most disorganized person in New York.

No joke.

Add to that I was the kind of procrastination, the prince
of perfectionism and as inconsistent as they come.

“Mike, share with me one really, really good idea that
helped you turn it all around.”

Amigo, will do.

First, let me say this.

My head was in the clouds.

Here’s what I mean.

I had big financial goals and if the results didn’t come fast enough, it was SOMEONE ELSE’S fault.

Not mine.

It was the opportunity. It was the product. It was something. Anything, but me.

It went on for 6 years of struggle. Living paycheck to paycheck and being mocked by people close to me.

I didn’t understand something that I’m going to share with you now.

Right now.

***Every level of income demands a different you.***

Let me say that again.

***Every level of income demands a different you.***

It took me 6 years, up till 2001, to ‘get a clue’.

Now over the last 10 years, this principle shines as clear as the morning sun.

You can’t earn $10,000 a month in a $2,000 mind.

You can’t earn $1,000,000 a year in a $25,000 a year mind.

When we push through our limited, lame, sometimes ‘generational’ thinking, our life can change.

Fast.

Everyone is looking external.

What changed my life is when I starting looking internal.

Analyzing my thought patterns.

Becoming aware of the areas in my life I really sucked at.

Realizing I needed to make $500 a month in my business before I make $5,000 a month.

Amigo, listen to this.

There’s so many levels you can get to in your life that will multiply your happiness, fulfillment, and income. There is.

Work on yourself.

Work on yourself.

Work on yourself.

Daily.

Hourly.

***Every level of income demands a different you.***

Who do you need to BE to double your happiness?

How do you need to think to double your income?

Who do you need to hang out with to stretch your vision of what’s possible for you?

Focus on pushing into and through to your next level. Not 10 levels above where you’re at now. Just the next level.

“I’m powerful.”

“I believe in myself.”

“I will succeed.”

You see, you just said those things about yourself.

Yes, you can do it amigo.

***Every level of income demands a different you.***

Your Coach,

Mike

P.S. I’ve read more success books from before 1930 then anyone you know. This one is a classic I found. No one
knows about it. Shhhh. It’s helped me become more powerful.

http://www.conqueryourselfmanual.com

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By Mike Litman

Wealthy WomanPreneur Friday Prosperity Tip

Written September 30th, 2011 by
Categories: Issues, Mindset

 

Prosperity Nugget #100

 

If things (outside forces) keep happening to derail you from your goals, look at the one thing that is always at the scene…YOURSELF!

© 2011 - Sandra Baptist and PACCS Inc
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