Increase Your Cash Flow
Lose the Budgeting Plan
End sleepless nights by living a priority-driven life
Know the right choice is making a good choice
Learn how self-management is financial management
Experience the no-budget planner-book lifestyle
Replace 'too expensive' with 'why so cheap'
An Alterntaive Budget replaces your budget plans
Are you frustrated with your finances? Let’s break life down and eliminate the frustration.
Grab 13 index cards or sticky notes, THEN CLICK PLAY.
Write each heading below on an index card.
Jot down something on each card you would like to do, see, or have related to that card.
Giving
Back
My
Future
Peaceful Sanctuary
Enjoying Food
Looking Good
Cash
Flow
Forever Learning
Transport Me
Plan
“B”
Total Wellness
Having Fun
My
Goals
Sweet Extras
Awesome, now…
- Grab 100 pennies or noodles or whatever you have on hand
- Disperse the objects between each card to represent how much of you; you want to ‘spend’ on each area
- Count the items and write the total on each card
- Place a % sign behind each number
- Divide your current bank balance, using the %’s
- Record the dollar amount
What do you see?
- Do you want to change anything?
- Is this your best life?
- Are you living by your priorities?
Take the game a step further…
Life shifts, and there is an emergency. Three areas have to go. Which three would you remove and why?
What may have been a priority at the beginning of the day may not be a priority at noon.
Life is about choices,
Kiss your budgeting plan good-bye
Are you faced with budgeting plan issues?
Maybe you are like 1000’s of others who have used a wide array of budgeting plans, searched for budgeting templates, and even read books on budgeting only to come up short.
Maybe you have been here…
If you want different results – the best place to start is to choose to do the opposite of what you have been doing.
You may be wondering, how do I know how to make the right choice?
Making a good choice hinges on not being afraid of making the wrong choice.
A good choice is about assuming the responsibility for your decision, as well as creating space so that you can change your mind.
Being broke and poor has its advantages, or you wouldn’t be broke and destitute.
Grab a notebook and write down the met NEED that being broke and destitute provides you.
Then write some different ways to meet that NEED as opposed to being broke and poor.
When you are down and out with no money to your name it’s time to CELEBRATE.
Being at the bottom on the ground floor is the perfect place to build a solid foundation.
Let’s reevaluate. Shift some values, build some character, and set some priorities. You can do this.
Clean the Slate, Activate Belief, Start Again, and Take Action
Does the idea of budgeting make you want to run away?
We have some good news. You don’t need to budget.
A new Gallup poll showed two-thirds of Americans do not budget. We say they don’t need to.
Especially when an alternative budget lifestyle will work wonderfully.
We are going to let you in on a little secret…
Three reasons why budgeting plans fail
1. Many types of budgeting plans are not directly connected to one’s day to day life
Entwining life, love, finances, and faith involves moving through each day, analyzing and making decisions as the day unfolds.
A set budget restricts real life from happening.
When a budget planner book is hidden away in a drawer or done on an automated app and only brought out for review, disappointment, dread, anxiety are sure to be present.
How can you measure up when you are guessing?
Does your budget planner make you scream?
2. Many types of budget planners create the resented gatekeeper role.
The budget keeper is the person who drew the financial management short straw. It is this person who “keeps” the budget.
The other family members assume the budget keeper “knows” what is going on.
Thus, there is an expectation that they have the right to live in a no responsibility fairytale reality.
Is this happening in your home?
Does this conversation sound familiar?
Do we have the money for XYZ? No. What? Why Not? Because I said so. UGH. You never let me do what I want!
Your financial state is a result of your priorities: your priorities are a result of your character.
Your character is part of your self-management program. And…
Self-management is exposed to financial management.
Are you spending your life chasing after things like money?
Instead, chase after being the best version of you, and allow money to follow.
QuickenLoans.com states, “ Numbers and money FOLLOW successful accomplishments.“
Become someone money would like to follow.
3. Many types of budgeting plans forget life changes moment by moment.
It’s time you throw away the idea of a budgeting plan and experience the no-budget-plan-book lifestyle. Trash the chain and ball notion and embrace being free to spend.
Instead of staking your life on a game of chance, play to win by setting your priorities to succeed.
The moment you see life comprised of 13 areas, a shift begins to happen. There are not a million areas of life vying for your attention, only 13.
Yikes, wait – 13? Why not 12 or 14? I am scared of 13.
Lucky 13 is the number of areas of life, if you are uncomfortable with 13 areas, choose to remove one.
Self-improvement tip: Develop these three financial-based character traits
When lacking self esteem and self confidence, switch yourself by building character traits: accountable, futuristic, and self-control
What ACCOUNTABLE measures can I add to my life today?
Idea: Show up when you say you are going to arrive and bring a gift
ACCOUNTABLE: I show up
pg 224 in the daily Planner
My philosophy is that not only are you responsible for your life, but doing the best at this moment puts you in the best place for the next moment. -- Oprah Winfrey
One thing I want in my FUTURE is ____________?
Idea: Review ENVISION pg 8-9 in the 90-Day All-In-One Planner
FUTURISTIC: I keep my eyes ahead, not behind
pg 56 in the daily Planner
The best way to predict the future is to create it. --Abraham Lincoln
Where do I need to practice SELF-CONTROL today?
Idea: Don't assume the worse about bad drivers
SELF-CONTROLLED: I know when to refrain
pg 142 in the daily Planner
You have brains in your head. You have feet in your shoes. So you can steer yourself any direction you choose. --Dr. Seuss
To improve your finances, use the daily character trait training in the Lifestyle Planner.
Manifesting money by honoring your priorities
Engage with your life by seeing options and make good choices
- Entwines life, love, finances, and faith
- Provides solutions for issues that you face
- Helps you identify your feelings and needs
- Adds tips for daily building your character
- Reminds you to infuse gratitude into your day
- Assists you in making wise financial choices
- Plus other cool stuff
Manifesting money is presenting, displaying, and demonstrating you have money and know what to do with it.
Manifesting Money 101
What do you see when you envision money?
Do you see a beautiful picture of your life with endless opportunities, or do you see no self-control and a train wreck?
If the latter, let’s look at life differently…
In your Planner, running across the bottom of the daily pages is MY LIFE GUIDE.
My Life Guide is the daily application tool of the budgeting alternative.
To begin manifesting money into your life…
- Daily acknowledge the 13 circles of life
- Throughout the day, record what you are doing in each
- Jot down what you want to have
- Log money coming in and going out of each category
Imagine the 13 areas, each with their voices. Can you hear…
- Giving Back states, “What you give, you will reap.”
- Future whisper, “I am here to take care of tomorrow.”
- Cash Flow cheering, “I am so proud of you for being fully engaged!”
To see infinite possibilities, when you receive a paycheck, allocate it across the line. Then ask yourself what you would like to change.
Leaving a Legacy
The Relatable Financial Life of Ms. Love
- Setbacks? Fear? Frustration? You bet
- I grew up without running water or electricity
- Lived in abundance and been in need
- Exchanged a 25-year marriage for homelessness
- 43 with no work experience or education
- Became employed, then the company folded
- Got into debt – Got out of debt
- Built-up savings – Depleted savings
- Experienced business fails and setbacks
- Celebrating a 26-year overnight success
- Daily appreciate flushing toilets and good food
- Money follows my priorities
- Leaving a legacy for my children’s children’s children
Budgeting Plan Not Needed
See, Choose, and spend honoring your priorities
We advise you to start with the 90-Day All-In-One Planner AND the Alternative Budget.
After using the Planner for 90 days, hold your Planner in your hands and marvel. You are holding a piece of your legacy.
If you applied your best effort, you would look back at how far you have come and be amazed at how much you and your wealth grew.
If you didn’t apply your best effort, no worries, order another Planner and do the 90 days again.
And if you are ready for blown out of the water, besides yourself amazingness, use this Planner for the next 90 days.
Manifesting Money
Increase your cash flow by seeing your options
Jeff B. – Financial Planner
From the first time Sharon walked into the room, I knew she was a leader. Her confidence in herself and love and compassion for others changes the atmosphere.
Everyone who interacts with her walks away, being more confident in themselves.
If you want a different perspective of your finances, implement Free To Spend’s budgeting plan alternative.
Eric E – Owner, Lead Designer
If you are reading this, then you already know that Sharon is a very forward-thinking person. And let me be clear, this is one of her greatest attributes.
The smile on her face and a skip in her stride affirm you she knows how to make your future bright.
With Sharon’s expertise, we experienced steady forward growth throughout an economic recession.
Be assured Sharon and her resources are a good investment. Like I said, this one is different.
Gina V. – Senior Systems Analyst
Before using the alternative budget, I was LOST! I had no idea where our money was going and no goals. We were surviving by living paycheck to paycheck. My husband and I would argue about who was spending all the money. We had no clue.
We made a lot of money yet had no savings. Our budget book was a record keeper of how much we spent. Worthless, you could say. We were not in control.
After applying Free To Spend, it eliminated the guessing and guilt. We are now in control of our money and have a lot more choices.
