SmartCents, Inc.

A Newsletter all about Living with Abundance, Ditching Debt and Collecting Cash.

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Step 1 to Abundance, "Do I Want to be Rich?"

I've received a lot of emails and questions from readers on this money thing. Especially as people have lost jobs, had to take part-time work and other cash flow crises that have occurred. I've decided that I'm going to send out a 10 step program used by myself and other wealth accumulators to become financially stable no matter the situation with the economy.

Many of you have stated you wanted a simple system. I do have a book out that gives these steps as well as others (Money...It's Not Just for Rich People), but it seems I needed to restate these guiding principles to help give folks a bit more boost to their efforts.

Another thing that happened to kick-start this series was a reporter. I was interviewed by a nationally circulated magazine reporter who asked; "Janine, how does a person become wealthy and don't just give me the basics here. Our readers want more." I busted out laughing. I remember telling him, "There isn't MORE." Either you do these steps or you don't. You either become rich by working these basic steps that will produce a wealthy situation or you don't. He didn't like that answer and I wasn't featured in the article. Please understand the "basics" I am about to give you over the next 10 weeks are what give you the foundation for financially stable behaviors that will produce a wealthy mentality and checkbook.

Okay enough intro...let's get to it!

First off, the primary thing that is REQUIRED for you to become wealthy is this simple question. You must answer this question with total integrity. If you in ANY way fudge this question you will sabotage your efforts, you will continue in debt and nothing, NOTHING I write from this point on will make an impact on your financial status. Agreed? So right here, right now you MUST answer this question in complete honesty.

Do I want to be Rich?

Seems simple doesn't it? Well, it isn't for 95% of my clients this question stumps them for months before they finally make the decision that "Yes, Janine, I want to be RICH!" They almost always start giggling at this point because for them it is like they're cussing out loud in a theater or something. RICH has a really bad reputation. Some one call a PR firm and give RICH a better image because for most middle class folks, it is akin to EVIL. Nobody wants to be EVIL so why would they want to be RICH? Right?

If you answered, "Yes" to the question don't think you're out of the woods quite yet. You still have an issue. Sorry to be the one to break it to you. If you REALLY wanted to be RICH you would be right now and wouldn't be reading this newsletter. Something is there, emotionally speaking, holding you back from becoming the wealthiest person you want to be. Here are some clues (assumptions you hold deep in your heart where no one can see) to what may be keeping you from such an abundant life....

Rich people only got their money by inheriting it.

Rich people that "made" their money did it by hurting and using the people around them.

Rich people were never in debt like I am now.

Rich people never had a salary like mine (super-in-the-basement-low!)

Rich people never had the medical expenses I do.

Rich people hadan easier life than I do.

Okay, I think that wraps up the majority of comments I've heard in my seminars. Nothing could be further from the truth. Millionaires are some of the most generous people you will ever meet and the ones that have "made" their money did it by being kind, considerate, and fair to those around them. Over and over again I've heard people say about millionaires they meet, "Wow, you'd never think that Mr. X was worth millions, he's so nice!" I could go through each assumption point-by-point, but I am trusting in you, dear reader, to see these assumptions for what they are. Excuses. That's right. Excuses to avoid taking the necessary steps to get out of debt and start a life of abundance.

Last item, if you want to be rich you have to:

Make the decision that you really want to have lots and lots of money. This is paramount to your success.

Determine EXACTLY how much money you really want to have. For me, I want to be worth 20 million so I can use the interest on such investments to pay for a foundation that will be philanthropic. How am I going to do this? I have absolutely NO IDEA! But, hey, don't bother me with details, I have a goal and somehow, somewhere...I will make it.

Read a wonderful book by my dear friend, Barbara Stanny. It is called,"Overcoming Underearning." Barbara does a brilliant job of unearthing the emotional barriers that keep folks in low-paying jobs. Your view on money and how you treat it will directly affect how much money you earn. Barbara has been in the business of helping people with their money for decades and told me once, "Janine, I want to make millions so I can help millions." I really love this lady!

Over the next few months I will be working with you on how to have a life mission so that you are able to bring yourself out of debt and save money at the same time. While you're doing that, read Barbara's book so that you figure out the emotional walls you have to earning more money. Okay? If you want to email me or comment, please do. By the questions I get and emails, etc. I will customize the program to fit what you need as we take these steps to abundance over the next 10 weeks.

Good luck and we'll chat again really soon.

WHO ARE WE

SmartCents, Inc. is a company dedicated to bringing the systems of debt-free living to as many people as possible. We wish our students to go out and make their communities stronger by building financial security within their personal lives first and then demonstrating the conserver lifestyle to others.

To schedule a seminar or consultation, send your e-mail to themoneymuse@gmail.com with the subject line "Financial Services Info." You can also visit our Web site at www.smartcentsinc.com.

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Step 1 to Abundance, "Do I Want to be Rich?"

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