Creating a Budget with Google, Excel, or Numbers Spreadsheet

By JB Glossinger | Published December 16, 2011

I discussed the importance of budgeting in today’s CoachCast Episode 1319. I described an easy budget that I have used for the past 10 years using a spreadsheet.  Over the years I have used various software to do it from Excel to Numbers, but now I am using a Google spreadsheet that just seems to work well for me.

In today’s Compass I put an image of the spreadsheet you can find it on page 5. To take it one step further I did a video to  help you see how I built this budget with a Google spreadsheet. I know it will help you to further understanding.

It truly is a simple way to budget. It keeps everything in order and you can track your inflows and outflows. The great thing is you can get a quick overview of your finances in a few minutes.

My morning routine is to listen to the CoachCast and work through my compass. I then grab my bank account information and plug it into the spreadsheet. I then have a real quick look at what is happening with my finances. It has become that simple and it feels so good to have that type of control.

One question a lot of entrepreneurs ask is, “I don’t have a consistent income what do I put in the income area? I would say estimate. After you use a system like this you will start to have a good idea of how much you are going to have coming in. In other words this does not have to perfect you just need to get an idea at the start of every month how much are you spending and how much you are saving.

Budgeting does not have to be a bad word. It is all about work flow. Once you have it set up. It should not take you more then 10 minutes to get a feel for where you are at. Being this on top of your finances feels amazing and if you have some debt you need to clear out this will give you the ability to see light at the end of the tunnel. In battling debt and financial struggle this mental clarity is critical.

I am sure this video will help you get you create your simple budget with a spreadsheet today. Good luck.

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Financial Growth!

By Debra Moser | Published December 1, 2011

Strategy, innovation and planning crosswordWhat is your attitude about money? There are many in the world believe and teach that money is the route of all evil. I have never believed that but there were times in my life that my thoughts about money were based on a scarcity mindset. What I know now to be true is having a conscious intention and good attitude about money is part of the universal flow of energy. Catherine Ponder ardently writes: “There’s nothing wrong with money or in our wanting money. It is a God-given medium of exchange, and there’s nothing evil about that.”  In order to see financial growth in your life it is important to let go of those limiting beliefs and empower yourself with a prosperous building mindset. Yehuda Berg, True Prosperity postulates:  “When you are the cause in your life and not the effect, you escape the trap of routine thinking. You realize that everyone and everything counts. You recognize that there are no accidents or coincidences; everything has a reason, because everything is connected.”

Quash the inner critic.  It’s time to quash for good that inner critic.  I have struggled with this over the years and of course still work at releasing my inner critic. I learned that bitterness and self-deprecation certainly doesn’t serve me and the same is true being critical of others.  Be kind to yourself and show love and kindness towards others.  You are worthy and deserve to manifest what you want by sharing your unique gift to the world.

Appreciate your abundance.  I know you have heard this time and again.  Wealth is manifested not just in monetary form but in all facets of your life. Prosperity is not an entitlement and it is important that you maintain your grateful attitude and appreciate your success and the success of others.  Mike Dooley, The Universe, states “Think of every single thing that you “have to” do to get through a day, as things you “get to” do before your turn is over.  Everything’s a gift.”

Focus on the big picture.  I feel empowered when I focus on what I want.  Every day I keep practicing with positive affirmations, prayer and meditation to help shift my mindset from those old limiting beliefs. Rhonda Hess, Prosperous Coach teaches “building prosperity requires consciousness and action. Prosperity thinking or conscious manifestation is a sacred act of responsibility.”   Moving forward with the right intention making goals and plans and small changes will open the flood gates to endless possibilities to realize those dreams.  So, stop thinking about what you don’t have and focus on the bigger picture.

Never stop learning, turn off the television and read inspirational books on prosperity.  Listen to MP3’s or CD’s and keep gathering all the helpful information you can. Take responsibility for your life and really LIVE your life and enjoy it.  Value your time and appreciate your efforts and set a SUCCESS standard for you and your professional life.  You will be richly rewarded.    

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Wise Earnest Creation Amidst Financial Crisis

By Traci Vincent | Published August 11, 2011

iStock_000000524198MediumWow, what a week it has been in the financial sector! It is certainly easy to get nervous, worry and panic about our investments and financial stability in these uncertain times. But will worry and panic really create anything positive?  I have chosen not to get locked into the panic and frenzy.  I know what is going on, but listening to the news over and over again seems to paralyze me from tuning in to what is best for me and my family and even for my health for that matter.

As Buddha once said, “The secret of health for both mind and body is not to mourn for the past nor to worry about the future, but to live in the present moment wisely and earnestly.”

So how do we live in the present moment wisely and earnestly in the face of the scathing market sell off that has us all recounting the financial pain of 2008?  Even with the Fed’s announcement to hold interest rates for 2 years, it doesn’t appear that it offers any less confusion or really addresses the underlying issues that are shaping our investments like massive debt, government budget battles and the dollar’s declining value.  This certainly equates to a rather serious outlook as we face at best very slow economic growth over the next few years or possibly another recession.

After reading market updates from several investment groups, I think Karl Thiel of The Motley Fool says it best in reminding us that the best course of action is to stay calm and not to make any sudden, panicked decisions.  As tough as it may seem, taking a disciplined approach and continuing to invest and using dollar cost averaging into core companies that disrupt old mindsets and create new markets will be a good approach to follow to find growth.  Think back to the late 1970s-early 1980s when our country faced economic malaise and high unemployment.  It was not the old companies that brought economic shifts, but rather unforeseen industries like computing and all the ancillary services that spawned from it that changed how we operate and live today.

So what will bring us the next economic upshift?  No one can say with certainty. But, for sure, tt won’t be a sudden surge in the demand for large deeply established companies. It will be something bold and new that creates a market where there was little to none prior.  It will take a solid belief in the value of creativity, innovation and being a visionary regardless of the cable news reports.  It will take us truly tuning into and clarifying our purposes, goals and innate passions to create new products, new industries and new markets.

Thinking again about the quote from Buddha, “…live in the present moment wisely and earnestly.” Let’s all earnestly press forward in wisdom and earnest effort to dream, create and live in abundance regardless of what the media is saying.  Let’s not let  fear, paralysis and panic take away our innovation and creativity to make the world a better place in new ways.

Traci Vincent


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The Laws of Prosperity

By Luis Rosario | Published August 5, 2011

Money really does matter because it has a big impact on your life. It allows you to have freedom, make things happen, invest wisely, and attain your dreams. We are discussing the Laws of Prosperity from the perspectives that I have learned from wise people like Randy Gage, Catherine Ponder, and many others.iStock_000000613045XSmall

Vacuum Law of Prosperity
When we clear things out of our lives we make room for new things to come in. This might be challenging for some of us because we hold on to so much emotionally and physically. When you hold on to things, you are blocking the vacuum that allows things to come into your life. You are surrounded by prosperity everywhere. By learning to let go and releasing the physical and emotional holds, you are making room and opening up the vacuum to attract prosperity.

Circulation Law of Prosperity
Think of prosperity as a river with things flowing from one place to the next. We don’t want things to get stagnant. We can become hoarders with money and stop the flow. Circulating money keeps things moving and brings powerful results. By giving more money away you are allowing it to circulate. It will come back to you. Money is always coming and going. The more that you have flowing; the more that will come into your life.

Imaging Law of Prosperity
Prosperity is created in the mind first, and then manifests itself into the physical plane. I’m a big believer in reminders, emotional anchors, and affirmations because when the mind sees things happening, they start to come true. Visualization is so important. Your mind doesn’t know that visuals aren’t real. Using the Dreamboard tool is a great way to visualize your goals and aspirations. It’s amazing how it will positively work for you. Start to use the tool and believe you will attain what you are putting up there. The more we visualize things, the more things will come into our lives.

The Law of Ideas
The Law of Ideas is the innate ability to use our God-given gifts to let our ideas come through and shine. It’s about learning to move yourself in the right direction. Every day is a new day and you never know what opportunities will present themselves. The difference between people who live a prosperous life and people who don’t is the way that they think. Let your ideas flow. Listen intuitively. Believe.

The Law of Reciprocity
Everything in prosperity is a value for value equation. What you give, you will receive. The more you give, the more you will get back. The rewards of just giving are amazing. Things don’t just happen. Everything happens because of what we have given. Miracles are controlled by these causes. As you multiply your goods, keep putting great things out there and they will all come back to you. Not all goods are in the form of money. A simple smile, holding the elevator for someone, of paying the toll for the person behind you are simple acts of giving. You are paying it forward with no agenda. When you give in these ways, the Law of Reciprocity works for you.

Money Belongs to the Universe
When you think of bringing money into your life you have to consider tithing. Tithing is giving at least 10 percent of your income to your spiritual source. What you are doing is giving the “universe,” or “God,” something because you believe that it will come back to you. The choice to tithe and give to the source of your spiritual nourishment creates a ripple effect. Do not confuse this with charity. Learn the Law of Tithing and have it bring more into your life.

Law of Forgiveness

You have to learn to let things go. True forgiveness is accepting, learning, and moving on. Being stuck in the past will not serve you well. When you are able to forgive, you will have clarity, focus, and clear intentions. Forgiveness brings you to the next level. Leaving things in the past and clearing your mind will create more space to bring new things like abundance and prosperity into your world.

JB Glossinger, MBA, Phd (in Metaphysics), is an internationally known visionary, speaker, author, coach, and consultant who is here to help you manifest what you want for your business, your organization, and your personal life. He is the founder of the worlds first personal evolution system MorningCoach.com based on the principles of self help, personal development, self improvement, and life coaching.

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The Wealth Mindset

By JB Glossinger | Published July 27, 2011

Every day thousands of people get caught up in lack conditioning and spend time worrying about their financial situation. Getting your mind right,Prosperity Conceptlearning new skill sets, and new experiences is what will get you out of worry and take you over the top. It all starts with a prosperity mindset.

Energy, Inspiration, and Momentum

I love internet marketing because it allows me to build the freedom to do what I want to do in my life. Every day, I find joy in learning, sharing my expertise, and being continuously involved in new developments. Speaking to people, teaching people, and giving people energy is doing what I love.

Having the ability to do all of the things I do comes from my mindset. When I wake up in the morning, I look at my goals and get myself thinking about prosperity. I understand that it is there for me, that the universe is unlimited, and that the tools will come to me. I am building that faith.

As I move on through my day, I continue working with prosperity in mind. I look at my moleskin notebook, find the big reasons why, and read prosperity books when I have the opportunity. I also take prosperity courses in the morning or when I have a 30 or 60-minute segment of time, and listen to subliminals. I’m constantly getting energy and information about prosperity, success, and moving forward. This constant awareness and practice is bringing more of that energy into my life.

Prosperity Mindset

Hold on to the prosperity mindset today. Be a money magnet. When you find money, celebrate. When you find freedom, celebrate. When you have days off, celebrate. Keep prosperity in mind and more will come. It starts with belief.

Believe you are a miracle. Believe that you have the ability to manifest. Believe that you have prosperity consciousness. Give when you get value. Pay for services. Try to find ways to offer something. The more you give, the more you will receive. That is one of the powerful rules of prosperity. If you are always worried that you won’t have enough, you will never give, and you will never get the cycle working for you. The cycle of abundance will stop from having a lack mentality.

Believe when there is no belief left. Have confidence that you will be okay. You need to get organized and make a game plan. Journal your progress and watch your daily one percent improvement turn into exponential growth. This will make your life dynamic. Get involved. Make a difference. Be the beacon of light and keep the prosperity in mind.

JB Glossinger, MBA, Phd (in Metaphysics), is an internationally known visionary, speaker, author, coach, and consultant who is here to help you manifest what you want for your business, your organization, and your personal life. He is the founder of the worlds first personal evolution system MorningCoach.com based on the principles of self help, personal development, self improvement, and life coaching.

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