Tag Archives: finances

How to Keep Your Relationship Financially Safe

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One of the leading causes of divorce in the United States is finances. It’s easy for a couple to find themselves bitter, angry, and resentful toward the person they once loved more than anyone when finances are a problem. Whether it’s one person spending too much, one not being generous enough with their income, or ample debt, many couples find it difficult to overcome these issues when they don’t prevent them in the first place. Keeping a healthy financial relationship with your partner is the one of the most important aspects of any good marriage, and there are several ways to keep finances healthy. Continue reading

The 5 Best Ways to Prevent Money Arguments With Your Spouse

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According to CNBC, finances are the leading cause of stress in a relationship. 35% of people surveyed said that money was the primary cause of friction in their relationship. Managing your finances as a couple can be difficult, but it doesn’t have to be. Here are 5 tips to help you prevent money arguments with your spouse. Continue reading

Exercise Can Save Your Life and Your Money

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You can build an exercise program that will improve your mental health, your physical stamina and your future. All of these benefits can be yours with very little investment but for your time and the desire to take better care of yourself.

Start Small

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Moving your body through space is easy and extremely healthful. Adding just sixty minutes of brisk walking per week can help you maintain a healthy weight and reduce your risk of type-2 diabetes. All you need are some comfy shoes! Continue reading

Dealing with Financial Income Inequality in Marriage

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Arguments over money are the number one reason for marital stress. Couples often have different ideas about their role in earning and spending the household finances. When one spouse makes considerably more money than the other, guilt, resentment, and power struggles can also come into play. For the sake of your marriage, it’s important to understand the stress financial inequality can have on your relationship. Doing so can help alleviate misunderstandings and strengthen your marriage.

Continue reading

10 Quotes to Inspire an Abundance Mindset

It seems like just yesterday that we celebrated the New Year but we’re already halfway through the month of January. By now, those of you who have made New Year’s resolutions have had some time to adapt to your new routines. Some of the most popular resolutions each year are to lose weight or to improve one’s finances. Believe it or not, the two are very closely related because in both cases, in order to be successful, you must focus on consuming fewer resources than you take in. Whatever the goals might be that you’ve set for yourself,  I hope that you’re making steady and consistent progress every single day. It’s also possible that some of you might be struggling to stay on track so you might be feeling frustrated or disappointed in yourself.  If the latter is true then this is precisely the point during which you need to stop what you’re doing and give yourself a chance to make a change that will help you continue along the intended path.  As a financial expert, much of the work that I do with my clients involves helping them practice goal-setting in order to achieve their ultimate desire which is to improve the state of their finances.

When it comes to achieving your (financial) goals, you first have to prepare your mind for the task ahead. You have to literally wipe the slate clean in order to receive new information which will serve as the basis of your new habits that ultimately will lead to the achievement of whatever you have set in mind to accomplish. Think of it as a warm-up which helps you make the transition to a more rigorous routine. Your heart and your mind need to be aligned in order for your actions to feel authentic and to yield the proper results. You have to create an abundance mindset before financial abundance can become a reality. When I refer to financial abundance, it takes on a unique meaning depending on the individual according to their respective life circumstances. The focus on abundance is not just on financial resources and wealth but it is also important to think of abundance in terms of time, energy, and resources to help others in need as well as the community of which you’re a part. Abundance in this sense takes on a transitive property that helps you make an impact in a way which is aligned with your values which ultimately helps to contribute to a better and more just world.

I’ve selected some quotes which are accompanied by photographic images. Each quote and photograph is meant to serve as a daily meditation to help you prepare your mind for the actual task of defining your goals, mapping out a specific plan for accomplishing them and then taking the actions needed in order to make the goals a reality. I recommend that you start and end your day with these meditations but you’re welcome to review them as often as you wish. Since this and subsequent exercises are based on being mindful, find a quiet and tranquil space in order to really focus on the words as well as the images. Practice these mindful meditations for a full week and prepare your heart and mind for success and abundance.

TAKE THE FIRST STEP & GO THE DISTANCE: “A journey of a thousand miles begins with a single step.” ~ Lao Tzu

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YOU ARE IN CONTROL (OF YOUR EMOTIONS/PERCEPTIONS); THIS IS YOUR JOURNEY:  “The pessimist complains about the wind; the optimist expects it to change; the realist adjusts the sails.” ~ William Arthur Ward

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BE GRATEFUL FOR ALL THINGS AT ALL TIMES: “Cultivate the habit of being grateful for every good thing that comes to you, and to give thanks continually. And because all things have contributed to your advancement, you should include all things in your gratitude.” ~ Ralph Waldo Emerson

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FOCUS ON WHAT YOU KEEP NOT WHAT YOU MAKE: “The amount of money you have has got nothing to do with what you earn. People earning a million dollars a year can have no money. People earning $35,000 a year can be quite well off. It’s not what you earn, it’s what you spend.” ~ Paul Clitheroe

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BELIEVE IN YOURSELF – IT IS ESSENTIAL TO YOUR SUCCESS: “A person who doubts himself is like a man who would enlist in the ranks of his enemies and bear arms against himself. He makes his failures certain by himself being the first person to be convinced of it.” ~ Alexandre Dumas

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YOU HAVE WHAT IT TAKES, JUST STAY FOCUSED AND DEAL WITH OBSTACLES AS THEY COME: “Whatever course you decide upon there is always someone to tell you that you are wrong. There are always difficulties arising which tempt you to believe that your critics are right. To map out a course of action and follow it to an end requires….courage.” ~ Ralph Waldo Emerson

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ENJOY WHAT YOU NEED FOR TODAY BUT PLAN FOR THE FUTURE: “When prosperity comes, do not use all of it.” ~ Confucius

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PRACTICE DISCIPLINE & RESTRAINT – THESE QUALITIES BUILD CHARACTER AND SELF-WORTH: “Savings represent much more than mere money value. They are the proof that the saver is worth something in himself. Any fool can waste; any fool can muddle; but it takes something more of a man to save and the more he saves the more of a man he makes of himself. Waste and extravagance unsettle a man’s mind for every crisis; thrift, which means some form of self-restraint, steadies it.” ~ Rudyard Kipling

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DO WHAT YOU LOVE, DO IT WELL, DO IT WITH PASSION – MAKE THAT YOUR FOCUS: “You can only be truly accomplished at something you love. Do not make money the goal. Instead, pursue the things you love doing and do them so well that people can’t take their eyes off you. All the other tangible rewards will come as a result.” ~ Maya Angelou

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DO THE BEST YOU CAN EACH DAY/THERE WILL BE GOOD DAYS AND BAD DAYS – JUST KEEP GOING: “Be of good cheer. Do not think of today’s failures, but of the success that may come tomorrow. You have set yourselves a difficult task, but you will succeed if you persevere; and you will find a joy in overcoming obstacles. Remember, no effort that we make to attain something beautiful is ever lost.” ~ Hellen Keller

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Chelsea Roff: Spending is Spiritual — 5 Tips to Create a More Mindful Relationship with Money

There are many reasons to start saving money early in life — for travel, for unexpected emergencies, for retirement, or simply so you won’t have to worry about finances so much later on. Many people, however,  don’t have the foresight to start putting money away early. According to this infographic, 40% of people under the age of 35 have absolutely no savings.

I’m young. Actually, I’m younger than the age group talked about in this infographic, and I can’t imagine not having a savings account. Maybe it was just the way I was raised, but I’ve been setting aside “emergency funds” since I was eighteen. I wish I could say it’s because I’m saving for retirement, but I’m certainly not thinking that far ahead. In all honesty my saving habits are more driven from fear — of not having enough, of suddenly losing my job, of a family member needing my help and me being incapable to give. This didn’t really become evident to me until recently, when I made a decision to take a closer look at my relationship with money.


Money is a taboo topic. I think many of us (myself included) choose to neglect our finances because money is an uncomfortable topic to think about, because we’ve been taught that having money is greedy and wanting money is desperate. Some of us even fall back on pseudospiritual excuses for ignoring our  financial well-being, like  “I’d rather just stay in the present” or “the universe will take care of me.” The fact is, if you want that oh-so-coveted “abundance” in your life, you have to work for it.

Regardless of how old you are, everyone has space to grow in creating a more mindful relationship with money. In fact, I think if we approach it intentionally, money can become a spiritual practice in and of itself.

Here are a few tips I’ve picked up along the way:

1. Watch your spending habits like you watch your thoughts in meditation.

Notice where you spend without judgment or derision, and consider what your spending habits tell you about your values, desires, and your overall state of mind. Do you spend a lot of money on food, clothes, physical fitness, etc? Create awareness around your relationship with money first, and then if you notice a pattern you’re unhappy with you can look at changing it.

2. Use the tools available to you.

The other day I saw a woman — probably in her mid to late forties — balancing her checkbook at a grocery store. Part of me was little in shock. I hadn’t seen someone balance their checkbook since…. Well, I can’t remember the last time. If you prefer to track your spending that way, all the more power to you. But there are so many tools available to manage money these days, there is no excuse to overdraft or lose track of your bank account. I recommend Mint, a safe and secure smartphone application that automatically tracks and classifies how you’re spending your money. It even generates monthly reports and makes recommendations for how to improve your financial habits.

3. Develop structure around your spending habits.

It doesn’t have to be a full-fledged budget, but create some goals and intentions around what and how you want to spend your money. Perhaps you can commit to spending no more than $50 on clothing in the month of May. Structure helps us feel more secure and grounded in our relationship with money. Note: The structure you’re looking for is a balance between fluidity and rigidity.

4. Make it less about you.

Part of my hang-up around money was that I felt selfish when I had it and desperate when I didn’t. Money, especially when you’re young and don’t have a family to take care of, is very me-focused. When I shifted my perspective to see how my personal financial decisions effected others, everything changed. I wanted to have more money so I could donate to the charities I care about, so I treat my friends for dinner, so I could surprise my sister with an unexpected gift. Money is a medium of exchange, and as a result every action you take around it will undoubtedly effect other people.

5. Realize that you vote with your dollars.

The way we spend our money is a reflection of what we value, and it’s a way of communicating to those in power what we want more of and what we could do without. When you buy from a local farmer’s market and leave the imported pineapples on the shelf, you’re voting for a more sustainable economy. This realization creates a sense of empowerment and responsibility around money. If we put as much thought into our spending habits as we do the presidential elections, I think we would be a much stronger force for political change.

Infographic via Feed the Pig

Each week on the Intent Blog, we feature articles, videos, and images to inspire you to live a healthier, happier, more fulfilling life. This week, our focus is on Financial Wellbeing. If you’ve recently set an intent related to your relationship with money, share it with us in the comment section below. We’ll do our best to support you with interesting content to keep you motivated along the way!

5 funny things famous people said about taxes

“The hardest thing to understand in the world is the income tax.” — Albert Einstein

“There is no such thing as a good tax.” — Winston Churchill

“What is the difference between a taxidermist and a tax collector? The taxidermist takes only your skin.” — Mark Twain

“The best measure of a man’s honesty isn’t his income tax return. It’s the zero adjust on his bathroom scale.” — Arthur C. Clarke

“You don’t pay taxes – they take taxes.” — Chris Rock

Money: A Reflection of Our Relationship with God

As money is a medium of exchange in our world today, I see it as a manifestation of what God is doing with each of us.  Our relationship to money is then a reflection of our relationship to God.  Right now, we can choose to be open to allowing ourselves to have a greater relationship with money just as we can choose in each moment to have an ever-greater relationship with God.

My source of wealth is God, and that’s an invisible source. When I go to the bank, cash a check, or receive any form of value as an increase in my wealth, I look to God as my source.  However, when I look, I often don’t see the tracks. I don’t see how the exchange of money was done as a direct outcome of what God is doing in this world.

Through my faith and trust in God, I know God is the source of my wealth. “In God We Trust” is printed on the American primary monetary system.  When we have that trust in God, the infinite power of good, there is great peace, calm and a sense of blessing in our life.  We all have the destiny to be unshakable in our confidence that we are blessed.

Knowing we are blessed is not about what somebody says or what happens in the world. It’s not about how much money is in the bank, where the decimal is on the financial report, or if it’s in “the red” or “the black.” All of that information is really arbitrary.

What matters most is our attitude towards money.  If we have an attitude that the money we have is limited, meaning we don’t perceive that there’s a source of supply for additional money, then we can look at money as something that we have to hang onto and watch very carefully.   We can create a sense of desperation such that people do desperate things to get it, such as lie, cheat, steal, or even kill in order to have it. Those types of actions are based on a deep sense of lack or a threat that our survival is based on that medium of exchange.

Practically speaking, money of itself as paper and coins has very little value for our survival in this world. It’s more important to look at what is behind the money as a representation of our energy.  Money is a valuable commodity for learning how to take care of ourselves and identifying our priorities. It is a great commodity for identifying our needs and our values. Money then helps us focus on what is really important in our lives.

We can learn how to more effectively use money as a medium of exchange, even when it appears to be in limited supply.  Even though there is a limited amount of money in the world, there is more than enough to exchange what is truly valuable.  There are more than enough resources here in the world to abundantly take care of everyone and everything as God is the provider of it all.

Look within to the true source of your wealth.  Look for things in your life that represent abundance, health and happiness, all the blessings already present.  That’s the natural exchange, and it comes out of your worship and faith.  With trust in God, all things are possible. Eventually, we all learn that we have more than enough.

Each week on the Intent Blog, we feature articles, videos, and images to inspire you to live a healthier, happier, more fulfilling life. This week, our focus is on Money and Finances. If you’ve recently set an intent related to your relationship with money, share it with us in the comment section below. We’ll do our best to support you with interesting content to keep you motivated along the way!

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5 Inspiring Quotes About Money

“Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.” – Will Smith

“If you want to know what a man is really like, take notice of how he acts when he loses money.” — Simone Weil

“Money is like love; it kills slowly and painfully the one who withholds it, and enlivens the other who turns it on his fellow man.” — Kahlil Gibran

“Don’t tell me where your priorities are. Show me where you spend your money and I’ll tell you what they are.” — James W. Frick 

“If you’re in the luckiest 1 per cent of humanity, you owe it to the rest of humanity to think about the other 99 per cent.” — Warren Buffet

Each week on the Intent Blog, we feature articles, videos, and images to inspire you to live a healthier, happier, more fulfilling life. This week, our focus is on Money and Finances. If you’ve recently set an intent related to your relationship with money, share it with us in the comment section below. We’ll do our best to support you with interesting content to keep you motivated along the way!

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