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Your comfort zone is the most dangerous place in your world.

What would happen for you if you surrounded yourself with brilliant, visionary, successful, supportive people regularly? 

This question came up for me over the weekend as I read a facebook post from an old high school classmate of mine. She said something like this: 

“Sometimes you just have to get out of your comfort zone…the quality of the people I’ve been with for the last 3 days has been inspiring…”

one of my all time faves

Now I don’t know where she went or who she was around but I do know that feeling.  The feeling of being in a room where you feel lifted and empowered…where there is no competition, only a desire to see everyone succeed.  It’s a pretty cool feeling.  Especially if you’re most often around what I call “comfort zone lovers.”

Then, as I was reading Secrets of 6-figure Women by Barbara Stanny, I ran across this paragraph:

“Too often I see under-earners hanging out with pessimists, worrywarts, folks who are generally fearful.  The only thing people in that group will likely support is the status quo.  Six-figure women, on the other hand, are drawn to risk takers, or at the very least, to those who applaud their efforts to go out on a limb.

That spoke to me big time because I see the mindset often.  I had to break through it myself.

With all that said, there’s no need for a bunch of commentary on my part.  This stuff speaks for itself. So I’ll just go back to my original question:

What would happen for you if you surrounded yourself with brilliant, visionary, successful, supportive, happy people regularly?  What could you do if you were around people who refused to doubt you?

I’m serious, I really wanna know!  Add your brief response below and let’s get a conversation going.  

FEEL FREE TO SHARE THIS!  JUST BE SURE TO ADD THIS BLURB: Monique is an author and thought leader on women and money.  As a certified Income and Influence Coach, Monique uses her nearly two decades as a producer and on-air personality and 10 years as an entrepreneur to help women in business drop fear and excuses to become highly-visible high-earners.  Her second OverFlow Women’s Business Retreat is being held in San Juan Puerto Rico June 9-12 2015. Go to http://OverflowRetreat.com.

 

Want your cash to flow? Get one of these…

I’m always asking my clients challenging questions about creating more money.  It’s fun to get them to think in bold and creative ways about how to make more, faster while doing less.

During a workshop the other day, I posed a question to some really sharp women entrepreneurs.  The answer one of them gave was frickin brilliant.

some of the savvy women entrepreneurs I've helped create strategies for.

My question: If your goal is to create $250,000 in 12 months, what do you have to believe about yourself to do that?  Now take that same amount and think about what you have to believe about yourself to create it in 6 months.

Her answer summed up:  I have to believe in my own worth and that I am constantly attracting the clients who are willing invest in my solutions.  I have no concern about creating that amount.  I’m focused on creating the strategy.

Talk about an “aha” moment.

She’s right.  Do you need the right mindset? Yes.  Do you have to know the value of the solutions you offer? You bet.  Yet, if you can’t back all that up with a banging strategy, you have nothing.

I remember asking about success strategies a while back to a different group and several people responded by saying things like, “I pray…” and “I put it in God’s hands…” 

If you know me, you know I gave them a serious “side eye” when I heard that.  I firmly believe in prayer and faith, but these are tools, not strategies.

What are the components of a great strategy?  Write these down: Vision, implementation, action, consistency and results.

Do you have a grasp on these five things in your business?

A good strategy can literally take your business revenues into the stratosphere.  It can also give you unprecedented freedom.  For accelerated results connect with a coach, mentor or strategist to help you create one.  I started working with a brilliant coach about 2 years ago and the difference for my bottom-line has been substantial. 

I used to work to the point of exhaustion in my business.  I was frustrated, tired and stretched way too thin.  Now I’m seeing money come in freely, consistently and with far less effort on my part — and it’s all because of my strategy.

So what’s your overall strategy for creating 6 or 7-figures?  What ideas, successes or challenges do you have around strategy?  How would you answer my question about creating $250K in 6 months?

FEEL FREE TO SHARE THIS!  JUST BE SURE TO ADD THIS BLURB: Monique is an award-winning TV & Radio personality and a certified Income and Influence Coach for emerging women in business. Using her nearly two decades as a producer and on-air personality and 10 years as an entrepreneur, she helps women in business drop fear and excuses to become highly visible high-earners.  Her OverFlow Women’s Business Retreat is being held in San Juan Puerto Rico June 4-6, 2014.

 

The truth about money.
stop believing lies and rumors about money.

So what do most of us hear when the topic of money comes up in conversation or in the media?  Usually it’s ish like this:

“Money is tight…”

“I’m broke…”

“I gotta count my pennies…”

“The ‘sluggish’ economy…”

“My money is funny…”

“I can’t afford it…”

“I’m living paycheck to paycheck…”

“Can I get a hook up…”

How many of these sound familiar?  Which ones of these have you used recently?  Be honest!

Listen, I’m guilty of repeating some of these same phrases as well but no more.  It’s time to put a stop to this kind of language once and for all—especially among brilliant entrepreneurs like you.

Don’t get me wrong, I totally understand that unexpected things happen that can cause a temporary lack of funds.  Trust me, I’ve been there.

However, prolonged “broke-a$$-ness” among brilliant entrepreneurs is a direct result of two things: 1.) making sub-conscious choices rooted in fear and 2.) sub-consciously making the decision to hold on to disempowering beliefs that keep them broke and struggling.

So as of today, I implore you to stop believing the lies and rumors about money. 

Here’s the truth.  Right now, money is flowing abundantly throughout the world but it’s flowing mainly to 4 types of people:

People who understand it.  Most people don’t understand the universal laws of saving, investing, giving and attracting large amounts of money. They only think, “work, earn money, pay bills, buy stuff and be broke again.”  We MUST elevate our knowledge around how money works.  One easy way to do this is by reading books and magazines that focus on money, wealth and the secrets to creating more.  Want to see lasting improvements in your money situation? Consider working with a coach who can help you unravel the old “stories” that may be holding you back.

People who respect it.  Is your money crumpled up in your purse or wallet?  Do you often lose track of it?  Do you ignore the money in your bank account, never really having a full awareness of what you have, what you spent and how you can use the rest?  If you answered yes to any of these questions, you have a lack of respect for money.  Those who respect money—regardless of the amount—work with it frequently and systematically and it starts with simple habits like regularly monitoring your accounts and keeping your cash neatly organized in your wallet.

People who are not afraid of it.  Our fear of money is usually rooted in the false belief that we are not worthy, we will mishandle it, or people won’t like us if we’re rich.  So here again, sub-consciously we do things to keep a consistent flow of money out of our lives.  I’ve also noticed that some people stop short of making and even talking about larger sums of money because they think doing so will disempower people they love or it will make them feel uncomfortable. People who are bold and fearless with money on the other hand are more inclined to attract it with ease and speed.  They ask for more, they come up with fun and creative ways to make more and they are like money magnets.

People who are generous with it.  Why are some people so tight with money?  Because they believe that money is their source.  NEWS FLASH: money is NOT your source.  If you are a believer, God is your source and one thing I know for sure is this: God is not broke.  If God is not broke, you shouldn’t be either.  So don’t be afraid to give.  Your Source wants to give you OverFlow and your generosity plays a role in unleashing it.

What lies, rumors or beliefs about money have you bought into?  Are you ready to let them go?

FEEL FREE TO SHARE THIS!  JUST BE SURE TO ADD THIS BLURB: Monique is an award-winning TV & Radio personality and a certified Income and Influence Coach for emerging women in business. Using her nearly two decades as a producer and on-air personality and 10 years as an entrepreneur, she helps women in business drop fear and excuses to become highly visible high-earners.  Her OverFlow Women’s Business Retreat is being held in San Juan Puerto Rico June 4-6, 2014.

Competition is dead. Collaboration is the new currency.
surround yourself with sistahs who refuse to doubt you.

A friend of mine who is a well-known thought leader on business growth strategies recently shared one of her biggest frustrations with me.  She said she was tired of seeing a lack of collaboration among women entrepreneurs of color.

She lauded some of the popular (non-Black) experts and solopreneurs and admired how they strategically support each other when it comes to promoting programs, books, events etc.  Because of their willingness to do so, they’re enjoying massive success and totally redefining what it means to be a woman entrepreneur today. 

“Why isn’t the same thing happening among black women experts and entrepreneurs?  How do we do better?  How can we support each other and help each other grow?” she wanted to know. 

So she posed the questions in a private facebook message to a dozen or so of the Black women in her network.  I was honored to be included among this impressive group of women.  Before long, everyone started to chime in.  Some were very upfront about the obstacles that make it difficult to create a culture of collaboration among us but most shared their optimism that indeed it could be done.

This got me to thinking.

I started to reflect on my own experience with Black women.  For some reason, I’ve always tried to create a sense of community among Black women.  As a teen I led social clubs and functions and now as an entrepreneur, mastermind groups are a huge part of my business. 

I’ve seen with my own eyes the magic that happens when sistahs collaborate rather than compete with one another.  When collaboration is the driving force in a community where the expectation and standard of excellence are high, women suddenly have the courage to do things they would NEVER do on their own.

One example is Priscilla Williams, a registered nurse who never saw herself as a business woman.  Now, she’s an author, speaker and the host of a women’s conference that is now in its second year.  She achieved all this in part because of the community she found in my Bold Fearless & Fabulous Mastermind.

Another great example is Adrienne Manson, a certified life coach who was having a tough time building her coaching practice.  Now she’s re-branding her business, getting bold about her message and excited to be getting paid to speak at various events this year.  She made it happen thanks in part to the Bold Money program I launched late last year. 

Then I think of my own story.  As a painfully shy girl from West Englewood in Chicago, it was hard to conceive that I would be a TV/radio host, speaker and successful entrepreneur.  Well with a lot of support from family and mentors I’ve exceeded my own expectations.  

Throughout my entrepreneurial journey, I’ve connected with some downright gamechanging sistahs who showed me what’s really possible.  I thank Leesa Renee Hall, Tynisha Thompson, Brenda Rivas Gail Campbell, Varian Brandon, Michelle Brown-Dawson, Therese Prentice, Marshawn Evans, Nikki Woods and Adrienne Graham for setting powerful examples. 

Over the years we’ve shared ideas, strategies and encouragement.  A few of them have also given me a kick in the pants when my actions didn’t match up to my BIG vision.

This is just a partial list of the women who I look to.  I mention their names because I truly hope you look them up, learn about what they do and maybe even do  business with them.

In my opinion competition is dead.  Collaboration is the new currency.  This is one reason why I’m hosting a business retreat for women here in Puerto Rico this summer.

What about you.  How do you feel about competition vs. collaboration? Who are your collaboration partners?  Who helps you take your biz to a new level?  Do you agree that it’s time women of color do this more?  How would collaboration help you?

FEEL FREE TO SHARE THIS!  JUST BE SURE TO ADD THIS BLURB: Monique is an award-winning TV & Radio personality and a certified Income and Influence Coach for emerging women in business. Using her nearly two decades as a producer and on-air personality and 10 years as an entrepreneur, she helps women in business drop fear and excuses to become highly visible high-earners.  Her OverFlow Women’s Business Retreat is being held in San Juan Puerto Rico June 9-12, 2015.

Is her religion keeping her broke?

 

the UNLEASH book is now free

According to research conducted by the American Express OPEN Small Business Monitor, the average female business owner salary is $63,000 a year.

Now this ain’t bad, but personally, I believe the value we bring to our work is worth way more than $63K a year.

Plus, unlike our male counterparts, female business owners are more likely to have to work a second job to make ends meet. The reason? Costly (and common) mistakes that leave some of us with an inconsistent flow of clients and cash.

This problem is easy to fix.  Here’s one solution:

My friend, Leesa Renee Hall, has just dropped a brand new book designed to help Christian female business owners unleash the flow of money in their ministries and businesses.  Her tribe is itching to get their hands on THIS!!

And get this, she’s giving away copies of this book for dirt cheap but ONLY for the next few days.

I frickin love the title.  It’s called…

Unleash the Flow of Money: The 7 Biggest Mistakes That Keep Christian Female Business Owners Frustrated With Inconsistent Cashflow – And How to Avoid These Mistakes Once & For All.

Hot right?  You can click right here and grab it now.

Leesa shows you:

  • The 3 words killing your cashflow (and what you need to do instead)
  • Why growing your business through referrals is a lousy way to create consistent cashflow
  • The single reason why the Proverbs 31 woman did not lose money or go into debt while doing her many tasks
  • The #1 way to make money fun and enjoyable – especially if you hate to do budgets
  • Why you attract needy, over-demanding and rude clients (and how to stop this cycle once and for all.

Remember – Leesa is making copies of her book available for a tiny fee but only until February 24, 2014 – or once 2500 copies have been claimed – whichever comes first.

To download your copy of Unleash the Flow of Money, click right here.

Do you see Christian women entrepreneurs struggling with money?  Is their religion keeping them broke?  What will you do differently to unleash YOUR flow of money? 

FEEL FREE TO SHARE THIS!  JUST BE SURE TO ADD THIS BLURB: Monique is an award-winning TV & Radio personality and a certified Income and Influence Coach for emerging women in business. Using her nearly two decades as a producer and on-air personality and 10 years as an entrepreneur, she helps women in business drop fear and excuses to become highly visible high-earners.  Her book BOLD Money will be published in 2014.

Are your undercharging for your services? Part 2: How to stop that madness right now.

 

You are too brilliant to be broke

I got a LOT of feedback from my last article which asked the question: Are you under-charging for your services?  Several people honestly admitted that at one time they were “chronic under-chargers,” but thankfully, they are now on the road to recovery. 

For the entrepreneurs who still struggle with this problem, keep reading.

So how do you stop under-charging?  Here are just a few suggestions:

1.) Pinpoint a niche.  This takes a ton of courage. Low-earning entrepreneurs tend to think that focusing on a niche will cause them to lose a larger share of the market. In fact I had a conversation with an entrepreneur just the other day who said, “If I only focus on women over 40 with xyz problem, then I’ll be excluding all the men!”   She was deeply concerned about this.  

I settled her fears when I said this:  ”By focusing on women over 40 with xyz problem, you become more appealing to that specific group.  You’ll speak their specific language, share solutions to their specific problems and then you will become a magnet for that group.  They’ll begin to recommend their girlfriends, relatives and colleagues because you’re positioning yourself as the expert who has the solution to their unique problems…”

I went on to say, “as they experience your awesome results, guess what…they’ll begin to bring their hubbies in too!”  Immediately she saw the light.

Pinpointing a niche is like courting.  When your man takes you out on a date, there are tons of other women at the restaurant, many of them  drop-dead gorgeous.  However, his attention is focused only on YOU.  He’s admiring YOU.  He’s listening to YOU.  He’s talking to YOU.  This makes you want to invest more time with HIM, right???  

Contrarily, if his eyes are roaming all over the place and he’s winking at other chicks, you quickly decide he’s not the right one.  On to the next…

It’s the same with choosing a niche. The biggest brands in the world became successful because they new exactly who they wanted to reach and they courted that group.  Sure, others can come along and enjoy the benefits of working with you but you gotta always know who your target is.  Let your marketing be a love song to them.

2.) Focus on outcomes.  Under-earning entrepreneurs like to explain the details of how they’ll get you results.  That’s a waste of time.  Simply highlight the outcome or the result you provide and that’s how you get people to say yes.  

For example, if you’re a massage therapist, don’t go on about what kind of hot stones and how much pressure you’re gonna put on my back, legs, arms and shoulders, just tell me which massage is best suited for my particular problem (’cause you’re the expert) and assure me that by the time you’re done I’ll be completely relaxed, my headache will be gone and I’ll sleep like a baby.  With that, I’m like “where do I sign up?”

3.) Collect testimonials.  This is one of the easiest marketing tactics to employ but it is often overlooked by under-earning entrepreneurs.  Testimonials give you instant credibility.  They can be the key to helping a prospective client make a decision to work with you.  They’re like free commercials, selling your services even when you’re not around.  Always invite happy clients to share feedback about what you did for them.  With good testimonials, you’ll have an easier time raising your fees.

4.) Offer packages at premium rates (to attract high-paying clients).  I hereby declare that the days of charging by the hour for your brilliance are officially over.  If you want to start earning what you’re worth, start creating premium packages that bring value to your client and allow them to work with you over a longer period of time.  Let them experience your magic as you build a loyal partnership.  The more results they get from working with you, the more likely they are to continue working with you…and soon they won’t be able to live without you.

I’m willing to guarantee that if you implement these 4 strategies today, you can start raising your fees within the next 30 days.  Are you ready to take this challenge?  If yes, check in below.

FEEL FREE TO SHARE THIS!  JUST BE SURE TO ADD THIS BLURB: Monique is an award-winning TV & Radio personality and a certified Income and Influence Coach for emerging women in business. Using her nearly two decades as a producer and on-air personality and 10 years as an entrepreneur, she helps women in business drop fear and excuses to become highly visible high-earners.  Her OverFlow Women’s Business Retreat is being held in San Juan Puerto Rico June 9-12, 2015.

6 new money habits women entrepreneurs should implement this year.

The 6 new money habits.

Did you resolve to do better with your money this year? 

For many of the women entrepreneurs I’ve talked to recently, this was their number one resolution. 

Some  had survived really tough times last year while others just wanted to take their money up a notch.  Either way, change is good.  So here are 6 simple yet powerful money habits that can make a big difference in your bottom line in 2014:

-       Automate your savings.  Don’t just take your spare change to the bank on any given Saturday.  That’s what teenagers do.  Instead, have your bank auto-debit your savings at least once a month.  This takes one more thing off your to-do list and before you know it you’ll have a nice chunk of cash put away.  If saving automatically is already a habit, I challenge you to increase what you save each month by twenty-five percent.  I’m a huge fan of CapitalOne360’s online savings program.  It makes saving easy and fun.  Try it here.

-       Track your income regularly.  Most people advise you to track your expenses – and that’s cool too, but I find it a lot more fun to keep tabs on my income.  What this does is gets me in the mindset of expecting and creating money regularly—even daily—simply because I don’t like seeing too many zeroes on my tracking sheet!  One month, I brought in money 19 out of 30 days.  How?  Through multiple income streams.  Every woman should have at least 3.  The more you have, the more frequently money will come in.  By tracking your money regularly, you can see where it’s coming from and how to create your increase!  By the way, one of my fab clients recently told me about this cool tool you can use for tracking income, expenses and budget.  

-       Use coupons.  I used to think that coupons made me look like a cheap-o.  Now I know better.  Trust me, you are never to fly to take advantage of a discount!  Truth be told, I don’t spend hours on Sundays going through sales papers but I do use the coupons the cashiers hand you at the register.  Recently I saved $10 on a purchase at my local pharmacy just by using the coupon the cashier put right in my hand.  Save a few extra bucks a week with discounts, coupons and rewards points and by the end of the year you could splurge on a great piece of art or add to your savings.  

-       Stop money leaks.  A money leak is any kind of fee, subscription or service charge you’re paying even if you are not using the service.  Stop this from happening now.  I know it may seem like a hassle to have to call or write to cancel the service but it is worth it.  The money that’s slipping through your fingers adds up and I’d rather see it going into your savings account rather than to the gym you haven’t been to in 6 months.  So every 90 days or so, scan your credit card statement to make sure there are no leaks.

-      Clean out your wallet and your purse.  Do I really have to say more?  A junky purse and wallet is a sign of insecurity and indecisiveness.  I’ll explain that more in a future article but the bottom line is this: the place where you keep your personal and most valued belongings should be clean, not cluttered with old tissue, gum wrappers, receipts, mail and your children’s toys!  Money will not thrive if its surrounded by chaos.  Take 10 minutes once a week and get your purse and wallet in order, ok?

-       Give. If you know me, you know that I believe women entrepreneurs deserve to be rich and happy.  Generosity plays a major role in helping you get there.  When you have the courage to share your resources with others even when it feels like you don’t have enough to meet your needs, you send a powerful message to the universe that you trust your Source (aka God).   When you give, you show that in Source there is no lack.  You send a message that in God, there is an unlimited supply of everything we need.  Find a church, charity or cause you believe in and give.  When you do, magical things will happen.  I guarantee and decree it.  (Last year I was thrilled to contribute to a scholarship program for urban girls with a focus on media literacy and empowerment.  Check them out here.)

What money habits have worked for you?  Which one of these do you plan to put in place?

FEEL FREE TO SHARE THIS!  JUST BE SURE TO ADD THIS BLURB: Monique is an award-winning TV & Radio personality and a certified Income and Influence Coach for emerging women in business. Using her nearly two decades as a producer and on-air personality and 10 years as an entrepreneur, she helps women in business drop fear and excuses to become highly visible high-earners.  Her OverFlow Women’s Business Retreat is being held in San Juan Puerto Rico June 9-12, 2015.

 

 
 
 
 
Watch her reaction when the OverFlow community presents a check to support her cause
Are your friends keeping you broke?
Are Black women REALLY “flat out broke?”
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