If you seriously want to bring prosperity into your life then you will need to
find what it is within you that prevents you from receiving. Abundance is
there, it is available to you but something in your thinking has you
convinced that you must not or can not have it. There are many common
misconceptions about money which I will outline for you to consider or
more importantly to inspire you to explore your own deep seated beliefs
Needs vs Desires
Most people live paycheck-to-paycheck. Have you ever wondered why
your income only ever manages to meet the barest of costs; why you
never have a cent for anything except your minimal needs? You change
jobs, increase income, take a second job or downsize your living costs,
but it always ends up at ‘Even Steven’. Have you ever noticed that if you
have a little windfall it almost always ends up coming at a time when an
unexpected expense comes about?
I mentioned earlier that survival is our greatest instinct. Survival depends
on having our barest needs met. The key-word here is need. We obsess
about the things we need; focus, worry, plan, imagine, dream, budget,
pray and work. Our needs are our bottom-line. The problem here is that
our needs are also our top-line. This is understandable as our needs are
our measure of survival. This also means that meeting our needs has the
greatest emotional charge. If our thoughts are focused on need and our
emotional responses are based on need then obviously our outcome is
going to be reflected by need. This is the Even Steven phenomenon.
Prosperity is not about need; prosperity is about desire. Need is about
bare minimum and desires are about abundance.
No one will ever become prosperous if they can only imagine breaking
even. Everything you know and everything you do, to meet your needs,
will work just as effectively if you apply the same principle to your desires.
The thoughts, emotions and actions which produce a bare minimum will
be equally effective if you can replace your need expectations with desire
A dollar is not a dollar.
A dollar is an agreed value between two parties. Most people make the
mistake of believing that a dollar has a set value. It does not. Remember
a dollar is only a token of value. An hour of your time and labor, or a unit
of your product, will be exchanged with anothers if both parties agree to
equal value. There is a very flexible scale here for an astute buyer or
seller. People with a poverty consciousness take everything at face
value, but people with a prosperity consciousness will challenge or
negotiate value. Prosperity consciousness is not about greed or
unfairness and very definitely not about working harder or longer. It is
about making a dollars value worth more than a dollar. It’s about paying
attention and being clever.
A simple example of this might be the difference in price between a
corner shop and a supermarket. A carton of milk might cost as much as
30% more at the corner shop. Your dollar becomes 30% more valuable if
you buy from the supermarket. Other examples are: buying products in
bulk, second-hand, on sale or out of season. Saving a dollar is exactly
the same as making a dollar but oh so much easier.
We exchange our work and our time but many people think we are
exchanging coins and numbers. Often we hand over our credit cards
almost believing that we are exchanging plastic nothing for something.
Impulse buying or unconscious buying is very, very expensive. Ask
yourself questions like, “Are these shoes worth 60 hours of my time and
labour?” Imagine your boss asking you to do 60 hours over-time in
exchange for a pair of shoes instead of cash. If you experimented with
this kind of questioning then you might be very surprised at how often
you would revalue your dollars.
Buying with cash will often result in a discount whereas using a credit
card will usually incur a fee and or interest. This can easily cost an
additional 15% on your exchange. Depending on how long it takes you to
pay off the card it could end up costing you double or more. Investing
money in an interest bearing account is another way of increasing a
dollars value. Many people put aside 10% of their income and reach a
point in which the interest they make is greater than the amount they
Some years ago, a friend and I decided to take an overseas holiday. We
both saved $4,000 but were unable to take the holiday. She decided to
buy a new leather lounge suite. I used my money as a deposit on an
apartment worth $80,000. She moved on and had to sell the lounge for
$2,500 and is now paying more in rent than I pay off my mortgage. The
big difference is that the apartment I bought is now worth $300,000. Talk
about a dollar not being a dollar, in this case $4,000 is worth $300,000
as opposed to my friends $4,000 being worth $2,500.
Silver spoon or lottery win
Very few people are born into wealth. Often, when you talk about wealth,
people almost always mention winning the lottery. Some dream of
becoming movie stars or ‘being discovered and breaking into the big-
time’. More than ever, we insist that only education and
executive/professional employment will guarantee generous incomes.
This is nonsense. Everyone buys something and everyone sells
something. You can be the smartest person, the most talented or the
best what-ever in the world, but if you don’t know how to sell or buy then
you will probably never be wealthy. Selling and buying are about asking
McDonalds are makers of hamburgers. Coke is just a sugar drink.
Fortunes are made by cleaners and cooks and blue collar workers and
everyone else because of these 3 things:
And they value their work and their dollar.
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