Crush Your Money Blockers – 6 Limiting Beliefs Revealed | Yvonne Lines | Skillshare

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Crush Your Money Blockers – 6 Limiting Beliefs Revealed

teacher avatar Yvonne Lines, Mindset Mentor for Lovin' Life!

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Taught by industry leaders & working professionals
Topics include illustration, design, photography, and more

Watch this class and thousands more

Get unlimited access to every class
Taught by industry leaders & working professionals
Topics include illustration, design, photography, and more

Lessons in This Class

8 Lessons (28m)
    • 1. Welcome & What to Expect

    • 2. $Blocker #1: Too Complicated

    • 3. $Blocker #2: Root of Evil

    • 4. $Blocker #3: Starving Artist

    • 5. $Blocker #4: Scarcity Tree

    • 6. $Blocker #5: Work Harder

    • 7. $Blocker #6: Not Me

    • 8. Class Project & Closing

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About This Class

Crush your subconscious beliefs – they may be sabotaging your financial well-being. When you tackle your money blockers, your growth toward wealth can skyrocket. Become aware of your money mindset so you can make better decisionsstop stressing over money, and gain more options in life.

In this course, we'll dissect 6 common money blockers. You’ll probably relate to at least 1 or 2 of them. 

Once your limiting beliefs are revealed, you may be able to simply choose to let them go. More likely though, it will take some work to change your thought patterns, so you can make better financial decisions. We’ll discuss the first step – awareness. Then, our 2nd step will be how to break through limiting beliefs and take action.

Here’s a preview of the 6 money blockers we’ll go through in this course:

#1 It’s too complicated.
#2 Money is the root of all evil.
#3 The Starving Artist syndrome.
#4 Money doesn’t grow on trees.
#5 You have to work harder to earn more.
and #6 It doesn’t apply to me.

We’ll take the time to figure out what attitudes toward money have been holding you back, so that you can get unstuck, gain financial well-being and start expecting better results. Let’s get started.


Meet Your Teacher

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Yvonne Lines

Mindset Mentor for Lovin' Life!


Years ago, I used to go home, flip on the 'toob, watch hours of mindless tv, go to bed, get up, go to work, repeat. Finally, I got sick of it to the point that I decided to do something...

I read every leadership and development book I could grab. After 236 books, my mindset had changed so much, I was able to leave my steady job, build my own business, and still avoid an all-ramen diet. And now I can finally call myself a surfer and a motorbike adventurer.

I’m loving life and want to share what I’ve learned, so that you can live your best life too. 

I spend my time researching and learning nuggets of wisdom, give them a personal test drive, and if I find it useful, I’ll share it with you. My co... See full profile

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1. Welcome & What to Expect: This is a $1 million bill. Now I was given this bell as a promo years ago and I keep it in my wallet now to remind myself that I'm capable of turning it into real money. I wish I'd known what had been blocking me from well, years before I figured it out. But since I've tackled my money blockers, like growth towards wealth has skyrocketed. I don't stress over money anymore, and I feel like I have more options in life. I don't want that for you as well. I'm Yvonne lines, founder of smartly dot tips and author of this book, the freelancer financial freedom. In this course, I'll reveal six common money blockers, I think will relate to at least one or two them. They may be holding you back from financial well-being. Sometimes it's as easy as just becoming aware of how we're sabotaging ourselves. Once we discover a subconscious beliefs, we can choose to let them go. More likely though, it will take some work to change your thought patterns so we can make better financial decisions. And discussing our first step awareness. Then our second step will be how to crush her money blockers and start taking action. Here's a preview of the six limiting beliefs will be discussing in this course. Number one is too complicated. Number 2, money is the root of all evil. Number 3, the starving artists and your number for money doesn't grow on trees. Number 5, you have to work harder to earn more. And number 6, it doesn't apply to me. Any of these braces sound familiar? Maybe you sell them yourself. I'm sure you've heard them from other people. We'll tackle these money blockers together so you can make better decisions for your finances and start expecting better results. We'll take the time to figure out what attitudes have been holding you back. So that $1 million bill that you saw can become your reality. Let's get started. 2. $Blocker #1: Too Complicated: Money mindset blocker number 1. It's too complicated. I've heard the two complicated excuse from some very intelligent people, even from people with a formal financial background. They say that they just don't have time to figure it out or can't be bothered. And then they sigh loudly. Sometimes they use the my income is not predictable excuse, but it falls in the same category. Generally, if you think this way, it's not because you don't have the mental attitude to figure it out. It's probably because you've somehow made your financial life more complicated than you need it to be. Perhaps you've been listening to advice that doesn't apply to you. Maybe you have too many counts open, or you've convinced yourself that you just can't grasp few numbers. Trust me, if you made it through grade school math, even if you just passed by hair, you can learn the basics of finance. You can add and subtract with the calculator. Perfect, That's all you need. Don't start at the top. There's no need to go pro or become a hedge fund manager. Just learn the basics. When you first learn your craft, Did you start at the top? No. You have to work your way up to where you are now and you'll continue to learn as you grow. Any skill can be broken down into steps that build off each other. Finance is the same. It takes commitment and focus, but the basics are within your reach. It may take years to cultivate great well, but just a few months of effort can set a strong foundation. Here's the cure for the is too complicated. Locker. Simplify everything you can. So perhaps you've got too many accounts open and it's getting confusing. Streamline it. Or maybe you've got a budget that you do regularly, but it takes you way too long to do it and you just can't really piece it all together. Maybe you don't need all that information and they're also try learning continuously instead of all at once. So let's say you want to try and get into investing. You don't need to know everything that say a hedge fund manager needs to know. You just need to know the basics. Start at the top. Start with the basics. Now let's go a little deeper into mindset. If you're saying to yourself, I'm just not good with money and you're thinking you're not born that way. It's not a genetic trait that any of us are born with it. You can learn it at any stage of your life. It's not too late to start. Some people have an advantage in that they grew up learning about money. A lot of us don't. So you can start now, move into a growth mindset. Instead of saying, I'm not good with money, say I'm not good with money yet. And then put effort into learning it from the basics. I hope that helps you. 3. $Blocker #2: Root of Evil: Money mindset blocker number 2. Money is the root of all evil. Money is a tool. It's not good or bad. What you do with that can be very good or it can be very bad. But it doesn't have a personality of its own. If you think money is evil, is probably because you've made a mental association with money and rich people who you respect or with corrupt power in general. There are certainly many examples of that in the world. We're surrounded by it on both large scales like governments and small encounters like a rude driver and a fancy car. You may have been taught to make the evil wealth association during your childhood from your parents or spiritual teachers. This type of thinking leads to people avoiding money like the plague. We could either block receiving it or get rid of it quickly by spending fruitlessly to avoid the evil association that we've got stuck in the depths of our mind. The problem is that will end up not being able to support ourselves. Loser independence, or not being able to become all that we are meant to be. This limiting belief can force us to be small in our actions and stop us from reaching our potential. Please consider that money does not automatically lead to corrupt power. In fact, if you switch your mindset to look for more examples of the good money can do. You'll find just as many or more examples all around you. Think of all the times we humans are able to help another. If he didn't have to work as hard and could afford to spend your time with others. What would you do? Maybe you'd care for a friend who is sick or volunteer at a beach cleanup event. Do you have a cause you'd like to support such as cancer research, helping people with mental illness, or improving environmental issues. You could use money as a tool to help you further your goals. This money is evil. Blocker is particularly problematic for business owners and any freelancers wanting to head into the area of business ownership. Since businesses have the potential to generate a higher level of wealth. Thought leader, Simon Sinek talks about having a just cause for your business to work for and keeping why we do what we do at the centre of all our actions. Here's the remedy for the money is the root of evil. Locker. Look for examples of good that money you can do and be inspired by stories of generosity. You can keep it simple. So maybe you want to have enough money to buy some great ingredients and make a delicious meal and happy friends over and enjoy with you good the money can do. Or another example is you want to be able to afford reliable car and then drive your family around or lend to somebody in need. Great. You can set your sights a little larger. Perhaps you want to set an altruistic goal of what you would do if you had more money. Maybe you'd reduce your number of hours at work so that you can spend time volunteering for a charity. And if you're asking for payment for something, maybe you're negotiating wage or you have a business and you need to set a price. Think about a just cause that you're asking for that payment for perhaps is to support your family. So picture they're happy, smiling faces when you're asking for that money. Just keep focused on the good that money can do. And that will really help you get over thinking that it is evil. Remember, it's what you do with the money that can be good or bad. So focus on the good. 4. $Blocker #3: Starving Artist: Many mindset blocker number 3, the starving artist syndrome. A true artists will sacrifice her, him themselves for self-expression. I call BS on that statement. There are plenty of artists supporting themselves very successfully with their craft. We should not be looking up to Van Gogh as our hero when it comes to finances. There are far better financial examples such as Cindy Sherman or David Hockney. Or we can look at designers beliefs Stark or David Carson have about musicians like the mega wealthy Rolling Stones or writers such as JK Rowling. They've all made money as well as had a major impact on the world. If you are creating art and not showing it to anyone, then you're selfishly hoarding your abilities. You could be making a great impact on others through your art, but you have to get it out there. Producing your art requires money. Sure, they examples I listed of wealthy artists might be a stretch, but think of all the people that you know personally to work in creative fields and are not starving. Thank you. Don't know anyone. You do now, my background is in graphic design and I've been paid welfare for decades, a few years to get established in my career. But I made at least some money right from the very start. If this starving artist blocker is your inflection, then you likely subconsciously make it difficult for people to pay you. You might not be clear on your pricing. Maybe you wait too long before invoicing, or you place yourself so low that people feel odd working with you. People don't want to feel like they are taking advantage of you. They do, however, once know what to expect when hiring you. Thought leader Bernie Brown says, clarity is kind. And that phrase applies here. Make it clear and easy for people to pay you. If you're unsure of your cost and process, then your customer will be confused too. You may come across a group that says they would like your help on a project or at an event, but they don't have a budget. Having been on the requesting side of asks like the sponge, I can tell you that most groups have at least enough budget to cover your expenses. If you let them know what you weren't costs you. It's rare for someone to expect you to be out of pocket to do them a favor. But common for them to overlook your expenses. It's on us to educate them. Also, there are several ways to become sated for your work beyond money. If you brainstorm a bit, you could probably figure out how to turn a volunteer experience into a promotion opportunity and something profitable down the road. Be sure you work is mutually beneficial and fair to both your client and you in some way if you want it to be sustainable. Here's the cure for the starving artist syndrome. If you're adding value to the swirl, people generally want to compensate you for it. Most people want to be in a mutually fair relationship. If you do some work for somebody built want to reciprocate, and in fact, not allowing them to get back can actually be detrimental to your relationship. It can be a block in itself. Try taking the lead on the money conversation. Be clear on how much it will be, set expectations on when payment will be due. Even know how to pay you, whether it's e transfer or PayPal or what, make it easy for them. You'll find the easier it is, the better the relationship. 5. $Blocker #4: Scarcity Tree: Money mindset blocker number for money doesn't grow on trees. Okay? Okay, of course there's no real money tree too bad. The detrimental idea behind this money blocker is about having a scarcity mindset. It's about thinking that money is so hard to come by that you end up missing opportunities for when money could actually come easily. Or once you have it, you hoard it. You're afraid to let it flow to you and from you, and so miss out on the good that money can provide. A scarcity mindset can lead to missed opportunities and stagnation in several areas of life. If we believe that money is very difficult to come by, we're likely to accept less than are worth for our work, not realizing that people will pay more. I've experienced this concept in action firsthand. In this scenario. I was the one with the scarcity mindset several years ago, one of my friends, job seeker Joe was looking for new employment and was given an offer that sounded pretty good to me. She however, grew up knowing more about money than I did. She didn't even consider the offer until they raised it substantially. Joe knew her worth knew what she can push for, and also knew what she would walk away from. She had the confidence to know that if this company didn't come back with a better offer than another company would if Joe had a scarcity mindset and had taken the initial offer, she would have missed out on the better opportunity. Personally, I was very impressed and wanted to emulate her attitude from then on. I also knew someone once, we'll call him scarcity Sam, who claim to be a millionaire, be out. He was not enjoying the good life. Even though he had the means, his actions express the opposite. He'd even bring his own discount teabags to McDonald's so he could just order a hot water and save on the served cup of tea. Sam was beyond frugal. He was hoarding money. The sad part is that he was alone. I could not figure out what he was saving his money for, but it appeared he was repelling others who wouldn't put up with his screw genus. His scarcity mindset was causing him to be selfish, which pushed away potential relationships and caused aggravation for the people he cared about. He may have had money, but he did not have financial well-being. I'm not by any means suggesting a move away from overly frugal to wild spending. I do recommend facing the scarcity fear, knowing your numbers, setting realistic goals, and consciously making, spending and saving decisions towards those goals when you know you're on track or when you have enough for your goals, then you have more options. These options can lead to a better life for you and the people you love. Ironically in this case, more options can also lead to more wealth through better work options or investment opportunities or relationships that can lead us to good places. The opposite of a scarcity mindset is often called an abundance mindset. I have a great deal of trouble promoting an abundance mindset for the majority of people. I don't think it's a good thing. Although there's always enough love, kindness, friendship, and other important intangibles to go around. We'll have some limited resources personally, which is why we need to take care of our own needs before taking care of others. There are also limited resources environmentally on our planet, acting as though everything is abundant can get us into trouble. We can give too much of ourselves, take too much from others, or exhaust our planet. So I suggest avoiding the word abundance unless you fully understand it step and is already working well for you. What I find to be a much better word and replacing the scarcity fear is gratitude. Having a gratitude mindset is not about restricting ourselves to just being thankful for what we have and sending our expectations low. It's about focusing on what we have experienced that We appreciate. That focus helps us achieve more of our desired situation. Gratitude creates an upward spiral through these stages. One, we focus on something good. To that focus creates a positive state of mind. Three, with a positive state of mind, we can make better decisions. For good decisions lead to good outcomes. Five, we end up with more to be thankful for. And the cycle can start again with mortgage to focus on personally. Having a gratitude mindset has made a major impact on my life. I start each morning with a few minutes of reflection for the good things that happened the day before. It helps me put my attention on what I want to focus on. I'm now happier, feel more confident and secure, make better decisions, and have attracted some wonderful like-minded people into my life. Here's the cure for the money doesn't grow on trees locker. If you're feeling like money is hard to come by, then it's like a self-fulfilling prophecy. Money will be hard to come by. The decisions you make will be based on scarcity. And it'll cause you to miss out on some really great opportunities. Try instead of focusing on scarcity, to focus on gratitude. Look at all the great things that you have, your accomplishments, your abilities, and just keep focusing on the good things in your life. Try doing this regularly so that it gets ingrained into your subconscious and then your subconscious will take over. It will help your decision-making and create more good things to be thankful for. 6. $Blocker #5: Work Harder: Money mindset blocker number 5. You have to work harder to earn more. Money. Blocker is the one that threw me off for years. I still struggle with it at times. Even though I also have some resentment towards it. Deeply ingrained mindsets can be hard to overcome. I grew up in a family that valued hard work. I was taught from a young age that to get ahead, you need to work harder than everyone around you. I work mode always included long hours and prioritizing work over almost everything else. In many circumstances, I was rewarded for my efforts, but I've also gone through burnout twice. The first time. In fact, I thought it was just normal. That's how seriously I was affected by this limiting beliefs. There's some truth to this work harder money blocker, which makes it a difficult one to conquer. There's a direct relation between working hard at finding clients, working hard at doing projects, working hard to exceed expectations and earning more. Plus, if we love what we do, why wouldn't we want to go all in? What I didn't realize though, is that after a sprint of hard work, recovery time is extremely important, is during this recovery time that we not only give ourselves when necessary break, so that we can get up and go again. But it's a key time to do an assessment of where we are in our work lives is a chance to step back, get a perspective on our direction, and learn how to get where we want to go. Part of the problem. And I'm sure you can either delayed or at least know a lot of people who can, is that I was caught in the web of trying to achieve work-life balance. I didn't put thought into realizing that passion for our work and balance don't go together. They are opposite ends of the spectrum. If you're passionate, you go all in. If you want balance, consider a punch clock type of job. So for someone who's passionate about their work, trying to achieve balance can be quite detrimental. If we worked through passionate sprint of intense work for a couple of weeks to hit a deadline. Then the next few days shouldn't be about trying to go back to balance. They should be about recovery. That means time away from work to recoup, go to yoga, or do some other exercise, get some laundry done, and other chores that way on us. Spend quality time with our loved ones and take the proper time to catch up on the personal aspects of our life. It does not mean switching back to balance or nine to five hours until the next sprint comes up. That's like asking a runner to just do a half marathon after doing a full marathon. When that runners should be taking the day off to recover. The hustle harder mentality and the work-life balance goals for passionate people are prevalent, but can be dangerous. They can block us from performing at our best. If we keep our nose to the grindstone and continuously will have no chance of working smarter and finding better methods of reaching our goal. Taking breaks and recovery time allows for assessment, evaluation, perspective and the idea generation and needed to work smarter, not harder. Here's the cure for the, I need to work harder to earn more blocker. Sometimes in life will need to work really hard. That's life. But after that, friends is time to recover. Schedule it in just like an athlete, after a sprint, you recover. Now Jordan, that recovery time, it's important to assess the situation you just came from. Is there a way to have done it better so that if you are in a similar situation in the future, you're not working quite as hard as you did the first time you went through it. Also look at is your work in line with your goals. And you may need to bring in some fresh perspectives here. Evaluate it yourself, talk to her friend, read a book, try and get back on track to making sure that the work you're doing is really getting you to read. You want to be, essentially, we want to work smarter, not harder. Now you already know that this is one of the blockers I struggle with, but I'm recording this in early 2021. So we've been through almost a year of the COVID pandemic. My freelance work last year dropped significantly, so I haven't been working very hard. However, my net worth has increased over the course of the year. So clearly, I'm figuring out how to work smarter, not harder, and making some progress here. And if I can do it, you can also do it. 7. $Blocker #6: Not Me: Money mindset, blocker number six. It doesn't apply to me. This particular blocker is for people who stand up financially because they don't have a regular paycheck, such as freelancers like me, and maybe like you were all special snowflakes, unique in our ways and abilities. However, we may be fooling ourselves if we think that we are so different than everyone else, that financial well-being is just simply not in the cards for us. We have an irregular income and our payments and expenses can seem like they are all over the place. However, that irregularity is very likely more predictable than you might think. Here's the line in here. For many people with this limiting beliefs, It's impossible for me to know what to expect financially. Really. I understand that in the first year of being a freelancer is hard to be exact about what to expect. Whoever, uh, here the statement from people who've lived with irregular income for years and years. If he fall in this category, do you really think that all freelancers, contract workers, commission-based salespeople, business owners, and others without a regular paycheck have a legitimate reasons, be clueless about finances. The tax people know what to expect from us. They'll red flag and anomaly. We should know too. Based on previous years in similar circumstances, we should be able to predict with a fair accuracy what to expect in the near future. The more experience we have, the easier it should be to know our numbers. I recently heard this. It doesn't apply to me, blocker from a freelancer while in a room filled with freelancers. As soon as the words left her mouth, her cheeks flushed slightly and she grinned, realizing she was verbalizing unexcused. She'd had for years. I can see the light bulb go on for her at that moment. She's fortunate to be in this category because it can be an easy one to get past. It's possible we've spent a good amount of time with this limiting beliefs, but it's one that is less likely to be learned from childhood. I find that the shorter amount of time spent with the mindset, the easier it is to break out of it. I hope that my freelance her friend was able to break free from this excuse after realizing how she'd been blocking herself. It's time to come to terms with being unique in ways other than your finances. It's important for you to know your numbers. Like anybody else. Try finding people who are unique in a similar way as you, but who are good with their money. And by that I mean, actually good about their money. Sometimes people appear to have well, but they're actually in massive debt. Or they're burning through an inheritance. Or they have other, some other formats support. You want to find people who have a net worth that's growing year over year. Once you find them, ask them about their attitudes towards money. How are they saving, how are they spending? How are they recording at all? Ask as many people as you can until you find an approach that you can relate to. And remember, as special as we all are, we can all do a better job with their finances. 8. Class Project & Closing: I hope in this course, you've discovered what beliefs have been holding you back from. Well, if one of these six blockers resonates with you, then congratulations. Awareness is the first step in crushing it. To help you dive deeper, Here's your class projects. Choose which blocker resonates with you the most. It's fine to choose two or even three, but keep one primary to work with. First, write the name about blocker on a piece of paper and draw a big X over it. Then right here, what you'll do to get over that belief, writing it out, in seeing it visually can help cement it in your subconscious. Then snap a picture of it and upload it to the class project area so others can learn from you. As always, I would love to hear from you. Please leave a comment in the discussion area and leave a review. Or you can also connect with me on LinkedIn. Look for EVA lines. Let me know that you came from this course and how you're crushing your money blockers. Thank you for spending your time with me are the best year.