How my cheap wallet set me up for failure

How my cheap wallet set me up for failure

It cost me $4 at a consignment shop. The zipper had been broken for about six months, and the wrist strap fell off a year ago. This cheap wallet was subconsciously bringing me down to a poverty mindset, and I am vowing right now, never again, to let that happen.

I've been a business owner for about five years. Each year I have had significant growth. I'm a productivity and health speaker, coach, and author. I budget like a bad-ass, and when my mortgage is paid off in four years (or less!), I'll be debt-free at the age of 47. What I do is cyclical, and it's hard to know how much money will be flowing in and out months down the road.

My first six months of 2017 was the pits. Bad. Awful. Thank kittens for my budgeting prowess that I had three months of biz and personal expenses (not including emergency savings) to get me through it. I had hired a business coach when I was running on fumes #InvestmentNotExpense #CantAffordNotTo and she helped me realize I needed to treat myself to the level of value I provide my clients. She even went so far as to say I should be charging more than her based on my results.

Had I been sabotaging myself?

Not exactly. I had planted a tractor-trailer worth of seeds through marketing in the first two quarters, and slowly they started growing until harvest time, and I ended the year with a 16% growth, my largest contract ever and feeling confident again with what I could provide.

I'm frugal but not cheap. I look for a deal but not at the expense of buying what I don't need. I don't buy shiny objects on sale for 70% off just because they cost less, but I did typically only buy myself used clothes, would wear things much too long and had been carrying that damn broken wallet for almost a year.

Boom. Epiphany. #LightbulbMoment

Every time I looked at that broken wallet, took my card out of it, grabbed some cash or even fished around in my purse, there was a sad, can't-even-zip-up wallet telling me my worth. How could I be or feel successful when that's what I think I'm worth? How can I expect money to flow into something that doesn't even close all the way?

On Christmas Day I had a revelation on the way home from dinner. My friend had received a gorgeous Henri Bendel wallet, and it was exactly what I needed regarding size, fitting my phone and lipstick and was high-quality.

But, OMG, it was $218.00! I'd never paid that much for a wallet before and put it in my shopping cart while it was on sale for $109 and let it sit for several hours. I never buy things on a whim, not even the $10 water shoes from Amazon that are in my cart right now.

After a few hours, I decided that this wallet was mine. It was going to last me a long time, was beautiful, had everything I needed and was looking for and ………Submit.

The next week when I got it, I unwrapped it from the beautiful box, the pretty bag, and took the letter out of the special envelope.

Yes, this wallet told me my true worth. Every time I needed to pay for something, I would feel successful and confident. I would feel beautiful and luxurious (not money-rich, but life-rich). I would be able to tell myself, in the words of Marie Forleo…there's more where that came from.

January of 2018 started off with more in accounts receivable than I made in the first four months of 2017. Is the wallet magic? No. But it sure does make me feel magical.

What are you hanging on to that is bringing you down subconsciously and decreasing your self-worth? Are you hanging on to clothes that don't fit? Shoes that are too tight? Driving a car that needs to be washed? Tell me one thing you can change to make you feel magical.

This article was originally published in Money, Inc.

Three Ways Technology Can Help Productivity

Three Ways Technology Can Help Productivity

This is a guest post by Cassie

Technology has a bad reputation for making people lazier. However, we believe it comes down to the individual and not the technology. It helps to free up time for the user, but how one uses that newfound time determines if the technology is useful or not, whether you're using it for leisure or work.

In today's article, we'll be looking at three powerful ways technology can help you be more productive in life.


We often take technology and automation as one in the same. This is warranted as automation is a form of technology that is quick, accurate and can help us complete tedious tasks in a “set and forget” fashion. For example, if you run social media for your business, you may not always have time to think up status updates and to post them sticking to a schedule.

Services such as Hootsuite or Buffer alleviate this issue, as you can load all your updates for a few days, a week or more all at the same time, and forget about social media until it's time to update your automation service again (which it will prompt you to do automatically!).

Social media updates for businesses and entrepreneurs are a good example of how you can free up your time for more productive tasks. Sure we all want to engage with our followers and audience socially, but there are other areas of the business to focus on. Once all your social updates are taken care of through automation, you can take your time to become strategic with your business, concentrate on new products, releases and relationships that can propel your company to the next level.

There are hundreds of high-quality software and technological solutions that can provide automation for business and leisure related purposes. Think of something time-consuming you'd rather outsource to technology, then search the net for a answer; you'll be surprised at how many resources are available to help you be more efficient and productive.


From virtual to-do lists using platforms such as Trello or Asana to automatically organizing our contacts in our smartphones in the blink of an eye, technology is amazing for organizational purposes. We often take these things for granted; you could wager that most young adults these days have never been through the arduous task of physically writing out all their contacts’ information in a phone diary.

No matter what it is you need organizing, technology has a solution for you. Through using apps on your smart devices to laptops and computers, you can organize your lifestyle hobbies and work files neatly. What does this do for us? It saves us time when searching for things, and helps us to complete objectives promptly. When we have more time on our hands, we can devote more attention to productive tasks.


If someone needs to contact you, no matter where you are or what you're doing, as long as you have an internet connection or mobile reception, you can be reached. This is evident to us, but at one point in time, it would have seemed impossible.

Thinking back to just a few decades ago, if someone told you there was a platform on the internet allowing you to show almost everyone on Earth what you're doing at a given moment while traveling on an airplane at 35,000 feet, you'd have told them they were crazy. Well, with Facebook and WiFi, this is now a part of our daily experience.

This level of availability means you can be reached to prepare plans and fix issues instantly, which prevents problems from escalating during your absence. Most people in 2017 are only an email, text, instant message or phone call away, virtually eliminating wasted time. The sheer amount of productivity this availability lends itself to is immense.

Using public WiFi has its perks, but it is worth mentioning you should protect your activity and information using a secure network. Utilization and exchange of personal information, such as addresses, credit card information, and emails, comes part and parcel with this level of connectivity, and identity theft will cost you heaps of time and money.

Overall, through utilizing technology for automation, organization, and availability, you can significantly free up your time to focus on productive tasks in your personal and business life. Whether you want more time on your hands for family life, or you need more time to develop the next product release from your company, technology can come to your rescue.

Author bio: Cassie is a health and tech blogger who enjoys keeping up to date with the latest advancements in automation technology. She uses tech in her personal and business life to free up her time so that she can focus on company growth and her favorite hobbies.



Do you ever finish your day and think about all the things you didn’t get done?
Do you feel like you’re constantly living off of someone else’s agenda?
Does the clock play tricks on you and suddenly it’s two hours later, and your work is still sitting there?



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