We will never be ready…

That’s the truth. We will second guess our decisions. We will doubt our capabilities. There’s no way we will be 100% confident in making any major decisions in life. No way!

But I have this decision making tool I use whenever I’m not torn between 2 or more options. It is analytical and practical and at the same time considers your values and what’s important to you. If you want to have it, just reply back and I’ll email it to you.

Anyhoo, although this decision tool is helpful, in the end, we still need to decide, right? And finalizing them are so fricking hard.
”What if I fail?”
”What if I regret it?”
”What if I lose interest?”
”What if …….”

I have a stay-at-home mom friend who is torn between taking up an online job or just focusing being a SAHM. She wants the extra money and excited to use her skills again. Yet she’s afraid she might neglect her mom and wife duties.

I simply ask her, “Gusto mo ba talaga mag work?”
”Yes!”, she said.

“Eh di mag-apply ka muna. Pino-problema mo na agad yung mangyayari eh ni wala ka pa ngang CV.” I always believe in timing. If she’s meant to work, she’ll find the job meant for her. If not, it will probably take months before she’ll find one. Either way, at least she did something. She applied, showed up, and went after what she wants. Way better than thinking of all the ‘what-ifs’.

You might fail and you might regret it

This is oh so true! I made bad decisions in life (both personal and financial). Maybe I should have done things differently. Maybe I should have followed my intuition more. Maybe I should not have done it in the first place.

But if I’m being truthful, I don’t regret these decisions. I won’t be the person who I am today if not because of everything I went through - the pain, the heartaches, the wins, the loses, all the people who came and left.

There are things that you don’t need to experience to know it won’t work (example: illegal drugs) but most of the time, you won’t know the result unless you try.

Some people fail and quit while some people fail and tried again.

I tried selling jewelries in 2015. I sold a few items but then stopped because it’s illegal to sell anything in Dubai without a trade license. Others might think I failed in this business (and maybe I did believe it too) but I revived my brand last year and actually have more designs to offer.

I lost money in mutual funds, we started some businesses and lost our investments. We cried and cried some more, yet we never give up.

The same thing with TWP’s Facebook page. It was created in 2017 and yesterday, we celebrated having 2k followers! <<Are you following the page? If not, gora na! —> facebook.com/thewealthypinay >>

I know that 2000 is not a huge number. Some business pages have 5k followers in just a few months but I’m very grateful still.

I started this Facebook page (actually even The Wealthy Pinay website) in 2017 even though I have no damn plan on how I’m going to make it work. I just have an idea and a desire. I started even before I was ready.

Starting the brand didn’t magically made me confident though. I was still insecure and doubtful for many months but since this is what I want, I continued. And this month, I actually hired a social media VA to help me with few things. Am I ready to hire a staff for TWP which I consider as a passion project? NO! I’m not ready. I can’t afford it even. Yet, I consider hiring a staff as an investment. The same thing with buying a domain and paying for a hosting service. If I want to level up, some things need to change. I’m not yet ready but I’m doing it.

Most of the things I’m enjoying right now happened because I started even before I was ready. I just took a leap of faith. I believed in myself. I believed in God and His promise.

Start before you’re ready.

P.S. If you have a friend who needs to hear this message, forward this email to them. I know they’ll appreciate it.

What is one thing you need to be successful?

Is it luck? Be hardworking? Network with others? Join a mastermind group?

Every Thursday, I write a newsletter. It doesn’t matter if I don’t feel like it or I don’t have anything to say, I make sure a newsletter will come out every week no matter what.

Consistency. That’s the answer.

Anyone successful in business, in saving money, in family life, in gardening, in playing a piano - has all one thing in common. They’re consistent.

Consistency is all about doing it even though you’re lazy, or down, or sad, or busy. Consistency is not allowing excuses to stop you from reaching your goal. Consistency is about showing up regularly.

Those who are successful in saving money don’t make any excuses on why they can’t save this month. They just save.

People who are successful in business are consistent in working on their business in spite of low sales or having a customer complaint.

Healthy people are consistent in eating healthy and exercising.

 I hear you babe, being consistent is easy when you’re motivated. Once the excitement wears off, it’s so freaking hard to continue. It happens to me, too (all the time!) And our lack of consistency is extremely painful and frustrating. We know that consistency is the key to achieve something great yet somehow we continue to fail.

It seems the only thing we are consistent with is starting something and then stopping before getting any results. I understand if you beat up yourself with this because I do.

But you know what, there’s hope.

Feeling bad about it won’t do any good. We can change the game by first understanding why we fail and take the required steps to make sure we can avoid the usual pitfalls.

You’re focused on the outcome rather than the process.

Obviously, outcome is important, but focusing too much on it results in dissatisfaction. We know that anything great requires patience, some sacrifice, and work. Most of the time, we want our desired outcome to come fast and instant. Can you see the disconnect?

We want to believe that if we post our products on Facebook, everyone will see how amazing our product is and start buying. We assume that just because we're offering something amazing and helpful (probably can even change your customers' lives) that they will come running and throw out their money to you. These are the outcomes we want to have, and if it doesn't happen, money blocks creep in. "It's not for you." "You're meant to do something else." "Who do you think you are?" "Just quit!"

You'll never truly know if you can accomplish something or be great at something if you don't commit.

And how can you practice consistency?

1. Set a goal.

2. Know your 'why'.

3. Build habits.

No one achieved great things by quitting. Most of the time, success happens to those who do actions consistently even though they're just half-assing it. You can do this!

P.S. If you want me to become your mentor, I'd like to invite you to join Pinay Money Bootcamp. This is the ONLY money mindset online course designed for all entrepreneurial Pinays. Join this month and you'll be automatically enrolled to 2021 Goal Setting & Manifesting Workshop. 

You can also join any of our live virtual workshops. See schedule 

When I started dreaming of having my own business and soon quitting my job full-time, that was just that - a dream. I have no idea how or when it will happen. It was just nice to daydream and imagine how I'll spend my days - wake-up late, working on The Wealthy Pinay, preparing breakfast for my family. 

Daydreaming is a fun activity but going back to real-life is not. In the real world, I had to wake up at 5:30am, leave the house at 6 so I'll reach the office at 7am. Too early for my 8am time-in but the more time I delay my departure from home will result in getting stuck in horrible traffic that stressed me bigtime. I then leave the office at 5pm and if I'm lucky, I'll be home at 7pm. 

"I wish I could be a stay-at-home mom", was what I usually pray.
Again, no idea how it can happen. 
I got depressed. I cried for no apparent reason.
I'll cry in the office toilet. I'll cry inside the car.
I hated myself for feeling bad because, you know, I had a good job, very good salary, nice colleagues, supportive husband, life was good and yet here I am, ungrateful. It sucks!

But over time something in me changed. 

I allowed myself to dream without guilt.
I took control of my emotions rather than it controlling me.
I'm tired of being a victim (honestly, wala namang umaapi sa kin).
Instead, I decided to be the heroine of my own story. 

Looking back, I knew that my faith in Him helped me.

Things became more powerful when I started to trust myself too.
Can I achieve my dreams?
Do I have what it takes to start my own business?
Am I good enough to be successful?
Will I regret my decisions?

Many of us are riddled with self-doubt. It stems from our deep-rooted limiting belief that we're not good enough. And it doesn't matter if we are quite successful already, there will always be a tiny voice inside our head magnifying our fear.

I'm passionate about teaching on how to identify our limiting beliefs (which I call money blocks) and more importantly, how to deal with them. I'm very passionate about improving our money mindset because I've seen how a simple mindset shift can catapult someone to success. This is not only my experience but I've seen this time and time again with all my programs especially with Pinay Money Bootcamp. 

Can I tell you one simple mantra that you can say whenever you feel 'small' and doubtful? 

"I trust myself and my wisdom."

Don't let anyone makes you feel otherwise.
Don't let your past mistakes haunt you.
Never give others the power to make you feel small and insignificant.

Trust that you're making the right decisions.
Trust that you are a good person.
Trust that you have the wisdom to know what's right for you.
Trust that you can succeed.
Trust that everything will happen in His time.

Okayyyyyyy... now that I've said the 'life coach-y' advice, let me tell you some truth...

No one will believe in you (at first...)

May it be building a new business, quitting your permanent job to be a freelancer, writing your first book, being a social media star - anything that will require you to step up of your comfort zone will also freak out others. That's the freaking truth. Maybe your mom will be supportive. Maybe your best friend will tell you to go for it but the majority of people will give you random advice and comments that can turn out more negatively rather than encouraging.

And the most destructive comment is the one that has some iota of truth to it. 

"You might lose all your savings."
"It might not work."
"You're risking everything for something you're not sure."
"What if you fail?"

Because the reality is all their comments 'might' come true.
It's your thoughts and fears too!

I always tell the ladies in the bootcamp, if confronted with these money blocks, ask themselves these two questions:

1. Is it absolutely true? (like, are you absolutely sure that the outcome is negative?)
2. What would your life be without this block? (if you don't have this doubt or fear, what would your life be?)

Answering these questions will force you to reflect.

Would you really fail?
Will you absolutely lose everything to the point that you won't be able to recover? 
Chances are the answer is no.

And can you imagine not having the fear of regret or disappointment?
What could your life be if you don't have the fear of failure?
You would probably try everything and anything within your moral compass.

The thing is, the decision to trust yourself and your wisdom should come from within. You should be ready to try and take the risk.

And can I tell you something? The fact that you're reading this is actually a sign. You wouldn't even reach this part of this article if you weren't. 
The idea is already implanted in your brain. 
How exciting! Just like a plant, you just need to nurture it.

Avoid toxic and Debbie Downer peeps.
Surround yourself with people who dream like you.
Find a mentor.
Read books that can help you build your skills and mindset.
Stop overthinking and start doing.

I wish you courage. 

xoxo,
LynJoy TC

P.S. If you're looking for a group that is encouraging, supportive, and safe, then join the Pinay Money Mindset private Facebook community. In there, we can talk about our dreams, money, manifesting, business - all without shame or judgment. This is exclusive for Pinays and not because I'm racist or sexist but because I know that I can help Filipina women the most. Here is the link --> facebook.com/groups/pinaymoneymindset

I was alone for a few hours on the first night of my mother-in-law's funeral.
I was sad.
I was really tired.
Yet, my mind was listing 100 things I needed to do the next few days - flower arrangements, grocery shopping, talk to the crematorium, force Gibson to rest, write scripts for Pinay Money Bootcamp.

Thinking about it now, I'm amazed at how I managed to pull it all off.
Apart from one big zit on my cheek, I survived that phase.
It helped that I didn't see any wandering spirits at the funeral chapel (Well, I could have seen one or two, but this is not a horror post so I'll spare you with the details)

August and September have been a rollercoaster of emotions for me. 

My mother-in-law passed away.
My kids started their homeschool journey.
I launched the only money mindset course in the Philippines.
And I'm celebrating my 40th birthday tomorrow.

There are days that I'm too sad and worried.
And sometimes I'll be too occupied that I don't have time to be lonely.
Many days I feel there are not enough hours in a day.
But also has this feeling I haven't accomplished anything.

Why am I telling you this?

Because maybe you're feeling the same way, too.
Maybe you're worried, scared, depleted, sad.
Maybe you're feeling alone and tired.
Maybe you're afraid of the future and what will happen next.
or maybe you're ma-drama like me (birthday blues, for sure!)

It's normal to feel all these emotions. 
We are human after all. 
Unless you're six feet underground, you're bound to feel something.

But do you know what keeps us going?
Why are you still working?
Why are you still holding on?
Why haven't you given up?

Because of HOPE.

That one day it will be better.
That one day all your hard work will pay off.
That soon everything that your heart's desires will be yours.

But do you know what's better than hoping? 
Combine your faith with actions. 

If I let my emotions took over my mama's death, I don't know what will happen to her funeral.
If I let my sadness ruled, Pinay Money Bootcamp's participants will find a blank screen on their membership page.
If I focused more on my dramatic moments, I'll just lay down on the bed and watch all YT dog videos on repeat.

It's okay to have your moments but try your hardest to get up and continue.
No one can help you get out of the rut except yourself.
No one can help you save if you won't stop spending.
You won't have your dream business unless you work for it.

HOPE is admirable but FAITH WITH ACTIONS are what will drive you to achieve your goals.

If you're doing all the actions but can't seem to get the result you want, it's time to go deeper and for sure it's your limiting beliefs aka money blocks are the culprit. 

The thing is, people aren't aware of their money blocks. They don't know that they have these deep-rooted negative beliefs about money and success that prevent them from reaching their goals. They think that they are the problem - they're too sensitive, too honest, not good enough, not smart enough. Sometimes, they blame other people for their misfortunes - it's the government's fault, because their parents are poor, or only the rich are getting richer. Or they don't have the opportunities to succeed - if only they can work abroad, if only their salary is higher, if only they finished college, if only they have more friends.

And these money blocks are manifesting in different ways.
You can't start your business.
You can't save.
You spend more than you earn.
You work harder.
You're depressed.
Your relationships are suffering.
You can't attract clients.

If you've been following TWP for years, you know that I'm all about money mindset. Reprogramming your money beliefs will help you achieve anything you set your mind to. You won't rely on 'hope' anymore because you'll gain a deep understanding of how the mind works. You will now easily understand how your faith in Him and the abilities He has given you will work beautifully together to start your business, increase your income, increase your savings, build your own dream home, and whatever dreams you wish to accomplish.

You are strong.
You are amazing.
You have everything you need to live the life you truly want.
You just have to have this deep faith that it is possible.
You just need to let go of your limiting beliefs.
Allow yourself to receive.

I have highlighted the last line because many of us, specially women, have this huge resistance to receiving. We always give - our time, our energy, our money, our knowledge - and we do it without asking for anything in return. That's very good quality, of course. The problem is we don't feel worthy to receive. We never ask for an increase in salary. We always deflect compliments. We give discounts and promotions because we feel we're not worthy to receive money from the services and products we offer. Can you relate?

So you see, if you're struggling saving money, can't find your dream job, scared to quit your job, or start your business, then I suggest work on your money blocks first. Because HOPING that one day everything will fall into place is actually just that, hope. You have to take action. And not the actions in the sense that you have to cry blood and tears, but they are the inner works required to release all your limiting beliefs. 

P.S. I just launched the only Money Mindset Course in the Philippines designed for all entrepreneurial Pinays. It makes my heart swell with joy to know that the bootcamp have helped Pinays work on their money mindset stuff as well as taught them practical tips about online marketing. I was like them a few years ago - driven, ambitious, hard worker. But at the same time, doubtful, worrier, scared. I know exactly what aspiring women entrepreneurs are going through. Starting a business is a huge leap of faith and it will require a big change on your money beliefs to start and grow your business the way you have envisioned it. 

* If you feel you have it in you to be successful but can't seem to find the "secret" to make it happen
* If you're confused why your messaging can't seem to reach your ideal customers
* If you keep on giving but have this huge resistance on receiving
* If it's easy for you to earn but then lose the money as fast as you get them
* If you're always over delivering but undercharging
* If you have this huge desire to earn more 

... then Pinay Money Bootcamp is for you. And since I have this 100% belief that this course can change your life if you allow it, I offer Money Back guarantee. If after 7 days you think it's not for you, I'll refund all your money - no questions asked. 

Excited to see you in the bootcamp!

Can you build wealth by just upgrading your mindset?

Women who worked with me know that upgrading one's money mindset is my greatest strength. I have the ability to upgrade my client's success mindset that they feel so empowered and as a result, achieved their goals.

The truth is, success is all about mindset. Of course, there's this 20% part (skills, knowledge, and talent) that adds up to the equation but the majority of your success lies to your mindset. 

Before I started having money, I always consider myself as a "positive thinker". I don't like drama around me. I hate the office gossips. I work hard and always give my 100% to the company. Yet, money was very tight back then.

It took a lot of hard work to get out of my debt situation and enjoy the money I have today. But it's not that of kind hard work you think it is.

Rather, I'm talking about the hard work I needed to do to get rid of my deep underlying negative beliefs about success, money, and wealth.

These were my money blocks when I started working:

"I'm not good enough to earn more."

"It's so hard to finish my credit card debts."

"If only I'm smarter, prettier, and more eloquent."

When I finally finished my credit card debts and started earning a higher salary, a different set of money blocks pop up:

"It's unfair that I'm earning this much compared to those who are working on their feet for 12 hours."

"It doesn't matter even if I feel abused, I should always give money away."

"I need to work harder to earn more."

And when I started my own business, these negative thoughts linger in my mind constantly:

"There is no way that my business income can replace my monthly salary."

"What if my business fails?"

"I should be contented."

Every time I reach a financial milestone, another set of money blocks will pop-up. They are always there.

The good thing is I'm aware when it happens and know how to deal with it now.

I'm telling this story to let you know that whatever scarcity you're experiencing right now can be fixed. You don't need to work harder or do other stuff thinking *this* is the magic ingredient. Once you deal with your inner money beliefs, believe me, everything will shift. 

I created The Wealthy Pinay to help other women believe that the life they want is within reach. And I'm not saying it just for you to feel good but telling you because it's a fact. It is possible.

P.S. 

Although I'm giving quality content and training away for free, I understand that many of you want to go deeper and ready to work with me.

I recently launched the  with you in mind. It's a money mindset course that will also prepare you to start and grow your online business. 

To say that this course is jam-packed is an understatement. It has everything you need to kick-start your amazing entrepreneurial journey. 

I'll be honest, you don't need to pay to clear your money blocks or learn anything. Everything can be googled nowadays. But sometimes, we can't do it alone.

We need someone who can listen and understand our desires. Someone who had experienced it and knows how to get our desired goal. A mentor who had the tricks, tips, scripts, and blueprint to make our life easier.

This is the best investment you will ever make, believe me.

Hit reply if you need more info about the course. If you're ready, you can join here.

xoxo