Category Archives: Finances

What Do You Need To Be Successful In Your Life And With Your Finances? – Part 3

What Do You Need To Be Successful In Your Life...-pt.3

I want to start of with a short recap of Part 1 and Part 2 of this article series.
In Part 1, I mentioned a little about women love pain, that they’re not taught
at a young age how to be successful.  In Part 2 I talked about lasting success
comes from the things that you value the most.  Asking yourself simple “how”
and “what” questions on a daily basis is the key to unlocking your success.

The reason that I say that asking yourself these questions is because we all
have success inside of us, we know what is going to make us happy, what’s
in our heart, what kind of things we want, what we don’t want, what we need
to change to make it happen, and, possibly who we need to ask for help to
attain the success that we want.

It can seem overwhelming and scary. You can only take one step at a time in
order to make things happen.  If there’s only one thing that you take away
from reading these articles is that – you are only one person!  You can only
do one thing at a time, it’s not possible to be in two places at the same time
and be helping everyone else but yourself. Continue reading

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What Do You Need To Be Successful In Your Life And With Your Finances? – Part 2

What Do You Need To Be Successful In Your Life...-pt.2

In Part 1 of this article, I talked about how women love pain, they’re not taught
from a young age how to be successful in their personal life and how success
with finances is connected with success in their personal life.

I hope you had a chance to do the assignment that I talked about at the end of
the article.  It was the first step to take on the road to finding out what you need
to be successful in your life and with your finances.  I also mentioned that every-
one is different and because we’re all different, there are different keys to unlock
your success.

But, the first step of writing everything down on paper and getting it out of your
head is the first key to use, no matter who you are, where you come from and
what your circumstances were and are at this time; it works for everyone.

Now that you’ve written everything down (that was in your head) on paper, you
can now see what it is that is going on.  You might even see things that are the
things you love, want to do, want to see, want to have, want to feel and more.
The main thing is that you wrote it all down!

Let me ask you…are you surprised by what you wrote down on paper?  Are
you confused? Usually the things that are in your head are the things that
you think about on a regular basis.  Somewhere in there, there is your values
all mixed up with the other things that don’t really have a lot of value if you
really look at it…that’s why I always say to write everything down on paper-
that’s where the magic happens!

In order to have any kind of success in any area of your life, you have to know
what is going on in your head, what your values are and what you value the most.
True and lasting success that makes you happy is usually the things that you
value…a lot and the most.

We also keep our values in our heart without even realizing it.  What we hold
dear and value is connected to your heart as well as your mind, it’s never in just
one place.

To find out what you really need to have success in your life and with your finances,
ask yourself this question-What do you personally really need to be successful in
your life and with your finances at this time?
  Only you can answer this question
because success means different things to different people.

The answers to these questions can usually be found in the things that you wrote
down, it may seem a little to simple but it is really simple, the things that you hold
in your heart is what your going to need to be successful.  You might have discovered
that how you’re living your life and the things that you’re doing may be contrary to
what you feel in your heart.

Asking simple but powerful questions will help you unlock the keys to your success.
Asking “how” and “what” questions on a daily basis is a great way to move you
forward.  Ask yourself questions like “how can I get to where I want to go with
  (what you want)  ?” and/or “what do I need to do to have success with (what you
want to have success with)  ?

Practice asking yourself these questions everyday and pay attention to what you
come up with, you might find that an idea will pop into your mind or you might have
a conversation with someone and they might be able to help you.  You just never
know!  Keep your mind and heart open to the possibilities.

It may seem like all of this is a lot of work, but it’s not!  Once you start making this
a regular practice of writing things down and asking yourself questions daily will
make a big difference.  I want to encourage you to try this out for a week and see
what happens.

Stay tuned for Part 3 of this article coming soon.

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What Do You Need To Be Successful In Your Life And With Your Finances?-Part1

What Do You Need To Be Successful In Your Life...-pt.1

What Do You Need To Be Successful In Your Life And With Your Finances?

Is that something that you think about?  Is it something that you even care about?
Life is going by so quickly that sometimes it may be hard to even take the time to think
about those questions.

This is what I’ve learned about having any kind of success in any area of life, and that
is that if you don’t plan and write things down on paper, then life is just going to drag
you along whatever course it wants to and that it’s usually not the course you really
want to be on.  It’s from past experience that I know this really well.  Boy, it really
can be trying.  It affects everything about you from your mental state, to affecting you
spiritually, physically and emotionally.

For some strange and crazy reason, women love to live in pain – all kinds of pain and
for long periods of time.   It might be that we can handle pain better then men! 😉

You know…It’s far and few between that women are taught how to be successful in
their own personal life.  These things need to be taught starting from when a woman
is young, even as early as pre-school.  In fact that’s the perfect age to start teaching
a little girl some of the things she’ll need to learn and understand because at that age,
she doesn’t know very much at all and is open to learning, is curious and can I say
very smart for her age.

Having success with your finances is all part of the learning process that needs to
happen at a young age as well.  It’s also connected with the successes you have
in your personal life, it may not seem like it’s connected but it is.

The fact is that we need money to live here on earth, there’s just no way around it.
So what do you do when you aren’t successful with your life and your finances?

With that said, what can you do about it now?  Obviously you have to start right
now where you are and go from here.  There’s no possible way of going back
and re-doing your childhood and adult years.  All is not lost!  There’s no better
time then now to learn the success habits that you will need to move forward.

There are many different keys to unlock your success.  Some work better then
others because were all different.  But there are a few basic keys that will help

Do you want to know what some of the basic keys to unlock your success is?
I hope so, I want you to be successful in your life.

One thing that I say all the time is to ‘write things down on paper’, that’s where
the magic happens.  It’s funny how often women will say that they have all of
their goals, dreams, to-do list all in their head.  There’s just no possible way
that any of that stuff in your head will all happen in the way that you want
them to.

Write everything down on paper that is floating around in your head.
That is your assignment (if you want to call it that) for this week.
I will have part 2 of this article next week, so stay tuned for more.

Remember, write everything down and get it out of your head!

Aloha, Janin

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Emotional Shopping . . . Women and Men Do It

Emotional Shopping

Men and Women do it. 

Emotional shopping, that sounds a little crazy doesn’t it?

Emotional shopping is a force to be reckoned with!  It has its grip and
boy it doesn’t want to let go especially when you’re feeling emotionally
overloaded, just plain mad and/or sometimes you just can’t figure out how
to deal with something that is happening in your world.

So . . . what do you do?  You go shopping! Continue reading

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What’s Going On In The World With All The Advertising?

What’s going on in the world right now with all the ads you see and hear
every where targeted to you to buy, buy, buy, making you want to shop,
shop, shop! 
It can become very overwhelming at times.  Do you have
the ability to control your shopping and buying impulses?

Do you really need to buy, buy, buy gadgets, gizmos and goodies
all the time?  
Probably not! Continue reading

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What Would You Do With Extra Money Each Month?

If you had an extra $1,000.00 a month, what would you do with it?

Women always have amazing ideas about the things that they would love to do with
an extra $1,000.00 a month.  I’m pretty sure that you have at least thought about what
you would do with any extra money that you receive.  I’ve heard it over and over in
conversations about what women would do with that money, there is no end to the

Now that’s something exciting to imagine!

It’s safe to say that most of that money would go towards paying off a bill or credit
card, buying something that you feel is needed for your child or children, helping an
extended family member pay for something or giving them some of that extra money
for whatever reason.

And that’s exactly how it should be!  Money is meant to be shared with others…but…
what about you?

Why haven’t you bought or paid for something special just for you?

It is perfectly Okay to buy something for yourself.  If you feel like you can’t because you
need permission, then I will give you permission.  It doesn’t make you a selfish person,
if anything it makes you feel like you have value and you’re worth it.

Too many times women give and give and give to everybody else and then put them-
selves last, and still not giving themselves anything.  Not a healthy way to live, that’s
for sure.

Now with that permission you have to buy something for yourself, go and then do great
things with that extra money that you receive; whether it’s a one time amount or a monthly
amount.  It’s all meant to be share, with YOU and others.

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Is Your Money Distracting You?

Your day can be very stressful with all kinds of distractions around you where ever
you go, things like: people talking, the television when it’s on, your computer,
your cell phone, and more.  It’s amazing that you can even get anything done
during the day!

Innovation is great because it give us so many great things to make our lives
better and a lot of fun.  But, what do you do when all of these great things
is distracting?

Another thing that is really distracting is money.  It can be for a lot of people.
Is your money distracting you?  Has it ever been distracting to you?

Here is a list of five questions to answer that will tell you if your money is
distracting or not:

1)  Do you think about how little your pay is at your job while you’re there and
you have a hard time completing you work?

2)  Everyday do you think about how in the world you’ll be able to pay for
you increased utility bill that month?

3)  Do you think about how you are going to pay all of your monthly bills and buy
food with the amount of income you bring home?

4)  Do you start to feel depressed when you think about how you want to buy
something nice for yourself but there is no money left after paying for all of
your bills each month?

5)  Do you look in your wallet and think about why you don’t have any cash or
very little cash and that thought stays with you all day and maybe for the
whole week or more?

If you’ve answered yes to at least two of these five questions, then I have to
tell you that your money is distracting you.  Money can be a lot more distracting
than anything else out there, because you need money to live there’s just no
way around it.

If you are being distracted and you don’t like it, I will tell you that the first thing
to do is acknowledge that it is happening and then make an internal decision
that you want to let go of this kind of unwanted distraction.

The next thing you can do is to have a plan for your money and get help from
someone that knows how to help you with making a plan to move forward and
away from money distractions.

Click on this link so that I can help you get started with a complimentary Savvy
Woman Money Breakthrough Session!


Janin Johnston
“Be Fashionable with your Finances”

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Do You Worry If There Is Enough Money?

Worry, it’s something that a lot of people do and seems to be a common thing,
is it necessary?  Well that’s a personal thing.

What is worry?  Basically it’s constant thoughts about something that plays
in your mind over and over and over again.  You might get to a point where 
you say to yourself or out loud:  Pleeeaaassseee … make it stop!

Why do you worry? It might be that you’re not sure how things are going to
work out and maybe there’s not enough
 information for you to see the whole
picture.  Asking for help and understanding is such a major key in 
yourself from constant worry.

Worrying about whether there is enough money or not can be a pretty
stressful thing.  Is it worth the worry?  I say – absolutely not!  Worrying,
more often then not leads to a lot of stress then over time you find yourself
getting sick and even when you get over your sickness the stress of worrying
if there’s enough money comes back.  What a vicious cycle!

There’s a cure for the ‘worry disease’ as I like to call it.

Here’s three steps to the cure:

Wanting to solve this worry disease is the first step to the cure:
You have to really want it bad enough in order for you to move
forward and take the necessary steps in solving this problem.
If you tell yourself that you don’t have enough time or make other
excuses, then there’s nothing else that you can do to make things

Asking great questions is the second step to the cure:
Questions like:  What can I do to solve this worry problem?
Who can I ask for help to solve this problem?
Writing down these questions and your answers can be very helpful
as you get started.
Look for someone to help you solve this problem that has had experience
in this type of situation and has had great results, that way they can
move you to solving these problems quickly and easily.

Taking action and following through with what needs to be done
is the third step to the cure:
Taking action can be scary sometimes, especially if you can’t see
the end result.  It’s too bad that the proof doesn’t come before the
end result.  I know it sounds crazy but wouldn’t it be nice if it were
possible!  That’s why it so important to work with somebody that has
already gone through and overcome this same kind of problem, that
person can testify that it’s possible and walk you through it.

Follow through can also be really hard if this process is very different
than anything that you’ve ever been through or done before.  Stick with
it no matter how hard it feels.  It’s always worth it in the end.  Just keep
that in mind.

Worrying is not good for you.  🙂


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Made Money Mistakes? No Problem, Two Questions To Ask Yourself

Made Money Mistakes?  No Problem, Two Questions To Ask Yourself

We’ve all done it … made money mistakes.  At the tine that we are making
these money mistakes, it’s not in our awareness that we will regret it
sooner or later.  After all it’s what’s making us happy at the moment so why
would it matter right now!

Then, low and behold it happens … for whatever reason, we have strong
feelings of regret for using our money in a way that was unnecessary or

Now what do we do?

Because we’re all different, it means that you have to look at the situation
differently.  Listed below are some of the statements that could describe
you and your reason for making money mistakes:

*I was stressed and needed to spend my money to relieve my stress.
*I got into an argument with my spouse or significant other and the
first thing I thought of was to spend money.
*I couldn’t say no to my child/children when they were nagging me
to buy them something (or a specific item).
*I wanted to impress my friend/s and buy them a gift even though I
didn’t have enough money and used credit.
*I wanted to impress my friend/s and buy them dinner even though
I didn’t have enough money and used credit.
*I bought things for my house that I couldn’t afford and was way out
out of my price range.
*I went grocery shopping and bought more then I planned because
there were some items that I just had to have that I was craving
and now, I don’t have enough money to pay on of my household
*I bought an item that I didn’t have money for by signing up for a
store credit card that was offering a special promotion with a
great payment plan option, even though I knew that I couldn’t
make the monthly payment.

Obviously there’s a lot more situations that happen, but I hope you get the
of what’s listed above.  There’s always a reason why we make money
and the best thing that you can do for yourself is to recognize what
you did and 
why you did it.

Then there’s the ‘accepting it’ part that might be a little hard to bear, but remember
that sometimes these things are going to happen because we are emotional
human beings and occasionally our emotions will get the best of us.

This life is all about learning and growing, you can’t learn anything and grow
if you don’t go through these situations.  These so called ‘money mistakes’
can be a very powerful learning and growing experience as long as you are
willing to accepts it as such.  If you can do that, then you’re well on your
way to making better money decisions later on.

Every time you have a need or desire to spend money, make sure to ask yourself
a couple of questions before you open your wallet.

The first question is:  Why am I spending money right now?
If the answer to that question is anywhere close to the set of statements listed
then I would recommend that you close your wallet and walk away.

The second question to ask yourself is:  Will I regret making this purchase
after I leave the store?
If the answer to that question is a “maybe”, “possibly”, “I don’t know” or “yes”
then close your wallet and walk away.  If it’s something that you really want
and desire, then think about it for a day or two to make sure that you’re making
that purchase for the right reason.

Just asking yourself these powerful questions will make a big difference in how
use your money and lessen the chances of making more money mistakes.



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Comparing Yourself To Other People

Comparing yourself to other people is something that most people do and I
hear it everywhere I go.

Most people have a natural tendency to compare themselves to other people
like their siblings, a neighbor, a friend, or even a movie star, the list is endless.

The whole comparing yourself to your sibling thing starts at a very young age.
I’ve seen it for many years, in my own family and in other families that I know.
Sibling comparison just comes from not being taught that we are very unique
and that we have our own special gifts, talents, personality, likes and dislikes
and more.

Have you ever thought in your mind “I am not smart like him/her” or “I’m not
good looking/pretty like that person” or “I’ll never make as much money as
that person”?  Have you caught yourself saying some kind of comparison out

You might not even want other people to know that you are comparing yourself
like that.

Money is a big deal; we think about it all the time because we need it to live,
there’s no way around it.  Comparing the amount of money you have to some one
else can lead to feelings of unworthiness, especially when you think they have
more money than you.  Please don’t do it!  It’s not worth it.  

As time goes on it becomes very hard to do anything that is uniquely you when
you are comparing yourself to other people and makes it very difficult to do what
you need to do in your life.

The key thing to remember when you start to compare yourself to others, is that
we are all unique, there is no one that is exactly like us (not even identical twins).
That’s what makes us so great (even if you don’t feel great).

Go forward and start to do the great things that you are meant to do and leave
the comparison behind.

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