5 Steps to Stop Living Paycheck to Paycheck in Just 21 Days.

I met a man recently who makes well over six figures and yet, still has over $75,000 of credit card debt, a crippling mortgage for a 16,000 square foot house, and pays thousands of dollars of interest per month.


This made me realize that financial abundance is not always about having more money.

It’s about being wise with + grateful for what we already have


getting crystal clear on our vision, our values, and our goals so we can direct our money into the most aligned spaces.

I believe that feeling financially abundant is one of the biggest contributors to our peace, success, and freedom.

Our ideas about money are often tied up with our self-worth, our fears, what we think we deserve, and how BIG we allow ourselves to dream.

The more we are open to the energy of abundance + pleasure, the more permission we give ourselves to feel really damn good.

Here are five steps to stop living paycheck to paycheck and start calling in more wealth + health:

Step #1: Get crystal clear.

Success is about choosing between what you want now and what you want most.

Take a moment to identify your top 3 values. You can google exercises for this. This exercise is important because your values should inform your decisions, especially when it comes to money.

Then, identify your top 3 long-term goals. Let these goals be super specific and measurable.

For example, my goals are: getting fully out of debt by 2020, growing my business (I have concrete metrics for what that means), and hiking all of the Seven Summits in 5-7 years.

Step #2: Identify + plug your money leaks.

The truth is that most of us are totally aimless with our money and don’t track our financial progress. We can’t call in more of something we are unclear about.

Even worse, we can’t change something we are ignoring.

For 21 days, commit to tracking where every single penny is going. This will reveal where your money is leaking—as in being spend out of alignment with those bigger goals and values.

Keep self-forgiveness front of mind here. Call in grace and acceptance for what you’ve done with your money up until this point. You can choose in this moment who you want to be and start making decisions to become that person moving forward. ⠀

My husband and I track our expenses on a spreadsheet. We’ve found for us that going old school with envelope budgets in cash and manually tracking our expenses is most effective. If you want our template, shoot me a message and I’ll send it to you.

You can also use the app Mint to link all of your accounts, track all the purchases, and create budgets. The app puts spending into categories for you and sends you a summary of where your money went.

Step #3: Cut out any frivolous spending habits + subscriptions.

When we first did this, we realized Amazon Prime and eating out were keeping us from our goals.

I deleted all of our saved information on Amazon so we couldn’t just auto-ship things and we started food prepping for the week every Saturday or Sunday to avoid spending money out.

Side note: sometimes a paycheck-to-paycheck existence means you’ve locked yourself into a lifestyle you can’t really afford.

“The general rule of thumb is that your monthly housing expenses should be 28% or less of your monthly gross income,” says Natalie Barber, a financial planner in Atlanta. “If you are outside of that range, you may want to consider moving to a less expensive neighborhood or downsizing or getting a roommate.”

Step #4: Notice your money stories.

Complete these two sentences to find your beliefs about money:

1. I’m not financially free, because ___________.
2. I’d love to have more money, but ___________.

You can use what you find here to identify where you need to heal.

Many times we are telling ourselves the same story about money that our parents told us. If you feel stuck here, ask yourself what you were taught about money as a child.

Here’s how you can reframe some common limiting beliefs and use them for good:

“Money is the root of all evil.” ↠ “Money is resource and I am in control of how I use it.”

“It’s selfish to want a lot of money.” ↠ “The money I earned is showing the value I created for others.”

“Money is limited and scarce.” ↠ “I am deserving of all good things on Planet Earth and abundance is all around me.”

Step #5: Commit to daily rituals for abundance.

This is my 10 minute morning practice:

↠ 5 minutes of meditation: Download the Insight Timer and either set a timer to meditate silently or you can choose from a variety of free meditations.

↠ 5 minutes of journaling: I write down my intentions for the day, what I am proud of myself for accomplishing yesterday, and I write down everything I’m grateful for in the present moment.

These two things have changed everything for me and start my day from a place of abundance rather than lack.

If you need any support along the way, please don’t hesitate to reach out. I’d love to hear how this experience is going and what comes up for you along the way.


Cheers to becoming more fully YOU!