MODULE 3: Paying Off Your Debt With Ease and Pleasure (and Living

Luxuriously No Matter What)

• A simple method for reducing expenses that feels SUPER luxurious and abundant

• The one account you should open that a financial advisor probably won’t tell you about, but that will change your life

• The one thing you can do about your bills that will change the way they effect you forever

• A smart way to figure out which debt to pay off first that will reduce the emotional weight of your debt faster than traditional methods

• A 3-step method for figuring out how much to put towards paying off your debt monthly

• A fun way to stay on track with your financial goals that allows you to use your creativity

here’s what we’ll cover:

Debt is neither good nor bad. It’s how you feel about it that counts.-Danielle LaPorte

I forgive myself for my financial past. I love the person I

was when I made past financial decisions and I honor and

respect that I was doing the best I could in the moment. I

am profoundly grateful for all the choices in my life that

have led me to this moment and my financial choices are

part of that. I bless all past, present, and future financial

decisions and situations as part of the ongoing creation

and unfolding of my expansive, abundant, rich life.

Bills

= Invoices for Blessings

Already Received (IBARs)

clarity =

Power

blessings bestower prioritizer• Get out the items you gathered with the Cash Clarity Checklist and list out:

• Who do you owe?

• How much?

• By when?

• Interest rate?

• Say thanks

• Rank in order of emotional weight

• Prioritize paying the weightiest first

• If you’re not in debt, make a list of purchases that you feel shame about and do some writing in your MLJ about why. Do the forgiveness prayer about them (possibly daily).

how soft is your cushion?

• Tally up your monthly expenses

• Tally up your monthly income

• Deduct the expenses from the income

• The remainder is your Monthly Cushion!

• Soften the cushion by increasing income or reducing expenses

The Money For Me Account• The luxury of choice

• Paying yourself

• “Found Money”

• Saving vs. spending, negotiating better rates, removing fees, unexpected income, etc.

• Would it feel better to spend this money or have it in the Money For Me Account?

• Shaving off expenses

• Increasing income

What do I do with the money in my “Money For Me” account?

keys for avoiding deprivation• David’s Story

• Align your values with your spending

• Indulge, savor and slow down

• Do the things that are truly important to you

• Guideline: use no more than 3-5% of your monthly income to pay debt

• Focus on income generation more than expense reduction

Your Financial Calendar• Treat this like an art project (get out your glitter, stickers, and fun pens)

• Get a calendar (digital is great too)

• Put each IBAR due date on the calendar, including automatic payments

• Give gratitude on the days the payments are made

• Put the day you get paid in too

• Color code (e.g. orange for the 2nd chakra) and make it pretty

• Set reminders (if digital) or hang it somewhere you’ll see it and check it daily (if physical)

exercises• Download the Blessing Bestower Prioritizer

and fill it out.

• Create your “Money For Me” account.

• Calculate your Monthly Cushion.

• Create your Financial Calendar.

• Spend money only on what you value.

report your progress and ask questions on the facebook group!