How To Manifest Money Fast (Even If You're Dead Broke)

I lived in my mother’s basement.

With my seven-year-old daughter. 

On a blow-up mattress. 

Need I say more?

I know that I don’t have to because that says more than enough about me, but I’ll continue anyway. 

I had recently done a voluntary repossession of my car and I couldn’t afford a cell phone (yes, one of the most basic necessities would be just out of my reach). I made about $200/week (possibly less) and I was not looking for a job. 😳

I’d already been rejected from every job I applied for. I was the epitome of a bum.

But I had a dream in my mind.

You see, I believed I would use that time with my mother to go back to school, get my master’s degree and land a high-paying job. 

That was the big vision I had in my head. 

In fact, I put $75,000 in big bold green letters on my vision board (so you know I meant business). 

Related Content: Why Vision Boards Work and Why You Should Create One

By the end of that year, I was the first person in my program to receive an offer for a position making exactly $75,000. 

Yes, I freakin’ manifested my offer Down. To. The. Dollar. 

Related Content: How To Guarantee Grad School Is Worth Your Time & Money

Just three years later, I’ve paid off $42,000 in student loan debt, purchased my first home and am approaching the coveted $100k/year. 

And I manifested all of this from my blow-up mattress in my mother’s basement. 

In this post, I’m going to show you exactly how I did it. 

What is manifesting? 

When you manifest, you bring your dreams to life. It’s getting clarity on what you want out of your life, how you want things to change and what ideal looks like for you - and then believe you have everything you need to achieve it. 

You can manifest love, money, success - anything you want. 

How can you use manifesting for money?  

Manifesting money is like manifesting anything else. You set an intention and believe that you can make that intention real.

Create a vision board to manifest money. Set a goal, make a plan outlining what you can do to reach that goal, and then work through the steps that you outlined. 

You can manifest money for many different goals, including these: 

Paying off debt.

Buying a house.

Money in your savings account.

A higher income.

I’ve tried it before! Why can’t I manifest money?

Often, we believe that manifesting is like magic. Maybe you’ve been struggling, so you created a vision board, hoping to create abundance.

Nothing happened. 

Here’s the thing. For manifesting to work, you must truly believe in your heart that you will achieve abundance.

You also have to do the work that leads to abundance, acting as if you know you’ll be successful.

You must become the person that is successful today, and believe success is yours. Once you’ve done that, you’ll begin to manifest money and begin to see the result of your hard work and belief.

How to Manifest Money Fast 

Change your mindset 

BELEIVE you are worthy of the success that you desire.

It’s easier, and the work is more powerful when you know without a doubt that you can create the success that you want and that you will have that success.    

Clarify / visualize your goals

I recommend creating a vision board to visualize exactly what you want to achieve. Spend some time thinking about what your ideal life looks like. Perhaps write some ideas down in a journal.

Take your vision board a step further and think about how you’ll reach your goals.

What are you doing in your ideal, abundant life?

Related Content: How To Create Your 5-Year Vision (even when you don’t know where to start)

Related Content: 5 Techniques To Visualize Your Goals And Dreams In Under 5 Minutes

Take actions that lead to the outcome

Think about it this way. If you truly believed that you were successful, then you’d do what successful people do.

They do not wait around for something to come to them.

They take action. Today.

Choose money affirmations to focus on daily

Affirmations can help you to change your mindset when you’re feeling low or give you a boost of energy to move toward your dreams. Some of the affirmations that you might consider include:

Wealth constantly flows into my life.

I am a money magnet.

There are no limits to the amount of money I can make.

I attract money on a daily basis.

I am financially abundant.

Take Action and Start Manifesting!

If you want to manifest money quickly, there are things you can do to make the process even more powerful.

1. Choose the money goals you want to achieve and how you would achieve them, in an ideal world. 

2. Find money affirmations to inspire you, and guide your manifesting work. 

3. Believe that you are capable of achieving your big dreams because YOU ARE.

The more you focus on and believe in your goals, the easier it is to manifest those goals and make them real.

What big money goals do you have right now?

Want To Start Planning Your Vision Board Party? 

1. Download the FREE vision board party planning checklist.

2. Craft your inspiring vision board workshop talk with our FREE High Impact Storytelling Journal Prompts. 

3. Plan, promote & host your first (or next) professional & profitable vision board workshop with our signature course, Sold Out Vision Board Parties.

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ABOUT THE AUTHOR

Cyrene is a fun and accomplished workshop facilitator, learning and development guru and Human Resources professional. Being at the helm of Thrive Lounge has been a long-time dream. Through vision board workshops she plans to accomplish two-way learning. Sharing her vast years of knowledge to motivate and encourage others; while simultaneously getting the reward of great energy, ideas and questions to ponder back from each group. A super win-win. Please join our Thrive Lounge community so you too can benefit!

Struggling To Get Out Of Debt? Try Minimalism

I recently shared my super painful debt story on the Chain of Wealth Podcast. This interview inspired me to create a new series: Rise From Rock Bottom. This series tells every story from my failure years - and how I overcame each one.

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Growing up, my parents had a lot of stuff.

We had three cars, including a Mercedes Benz and Cadillac Escalade. I distinctly remember having a TV in each room with a stack of DVDs about as tall as my 4-foot 10-year-old body (and about four of me wide). My stepdad never left the house with out his signature chain and watch.

I just knew we were rich. How else could we afford all this stuff?

I always imagined my future would be the same: I'd have so many lavish things (the best TVs, movie collection, elaborate entertainment centers, etc.) that friends and family would always want to come to my house for social gatherings.

ALWAYS.

As an adult, I felt like I'd won at life when I got my first car: a new(ish) convertible mustang. She was my baby. Before the car note was paid off on her, I upgraded her to a Mercedes Benz truck. I was 24 and drowning in debt, but in my head I was #winning. 

I had a beautiful apartment in the best neighborhood (because my daughter just had to go to THE BEST schools). I "invested" in phones, cameras and computers.

I mean, I had to keep up with our way of life, right? 

Then, I found out about minimalism and I felt like a complete idiot. 

What is Minimalism?

Minimalism is the alignment of your spending with your values. This requires that you get crystal clear on what things you want in life and then consciously take things that do not align with your values out of your life.

You might think that minimalism means you can’t have nice things. In reality, you can have anything you want. The key to minimalism is only bringing things into your life that you have a strong feeling about. Things that align with your purpose and your passions.

Why Did I Start Minimizing My Life?

I didn’t intend to become a minimalist. In fact, I intended to be quite the opposite. I planned to have many lavish things.

However, there came a moment, somewhere between the fancy car and the nice apartment that I realized I couldn’t afford my lifestyle. I was constantly working just trying to keep up with all of the bills that this life required.

I was becoming tired, depressed and slightly suicidal just thinking about how much I had to work just to pay bills.

I couldn’t afford anything outside of my bills. No self care. No family vacations. No pie.

That’s when I decided I needed to get rid of my bills. Getting rid of my bills meant that I needed to get rid of my stuff.

I never wanted to get rid of my stuff.

I felt like I was losing. I was a failure because I couldn’t figure out how to afford the lifestyle that I wanted without selling my soul to work.

I minimized because I wanted my life back.

Let me break down what I saw before Minimalism (B.M.):

Fancy Car! = Travel in Style
Nice Apartment! = Best Education & Schools
Computers & iPads! = Newest and Fanciest Gadgets & Tools

I was successful even though I had to work three jobs just to live paycheck to paycheck and barely afford all of my things.

I was successful because my daughter could attend a nice school. I could drive around in a nice car. I could look like a success to others.

Here's what that looked like after Minimalism (A.M.)

I decided I’d only keep things in my life that I absolutely needed to survive. I took a look at everything I had in terms of how much it was costing me every month.

At a deeper level, I started to ask how much I’d have to work to be able to afford each one.

FANCY CAR

• Monthly car payment: $650 / month

• Car insurance: $250 / month

• Weekly gas tank re-fill: $80 ($240 / month)

• Quarterly maintenance: $900 (This is variable, but $900 was like the standard at the benz store. For example, replacing the windshield wipers cost me $250. I'll estimate $300 / month to make the math easy here.)

FANCY APARTMENT

• Rent: $1600 / month

• Utilities: $100 / month

• Internet: $70 / month

MONTHLY OVERHEAD

My monthly overhead is the minimum amount of money I would have to make before I broke even.

That means, if I want to save any money, I would have to make at least that much money - and then I'd need to make more to be able to save anything. 

Note: This does not include any credit card bills, groceries or any entertainment. #facepalm

 

Overhead = Fancy Car Bills + Fancy Apartment Bills

($650+$250+$240+$300)+($1600+$100+$70)=$3,210

Minimalism and Debt

With this much overhead each month, I couldn't get out of debt, no matter how hard I worked! I kept thinking I needed to work more, work harder and increase my skills so I could make more money. 

In my head, I was living a normal life. Everyone wants cars and their own space... why can't I seem to afford... the basics?

Once I started to minimize my life, I noticed that I no longer need as much money to survive.

I did a voluntary repossession on my car and then no longer needed to pay a car note, car insurance or maintenance. I moved in with my mother and no longer needed to pay high rent every month.

Almost immediately, I stopped working three jobs and eventually got down to just one freelance client.

Because I didn’t need money to cover my excessive overhead, I could now pursue my Master’s Degree that I had been wanting to find time (and money) for. I could focus on finding a job that fit my personality and values. I could spend my time networking and making the right connections in order to help me move forward.

Related Content: How to Guarantee Grad School is Worth Your Time and Money

Freeing myself of the things allowed me to reduce my monthly debts and gain the freedom to choose how I wanted to spend my time. (Because for the first time, I had free time!)

Minimalism gave me my first taste of freedom… and I was never going back.

How To Minimize Your Life

DEFINE YOUR VALUES

The key to minimalism is defining what’s important to properly make decisions that align with what fills your soul and makes you happy.

In my life, I had to realize that my car and apartment weren’t making me happy. They were just taking up my time and energy.

RE-EVALUATE THE THINGS YOU ALREADY HAVE IN YOUR LIFE

Take a look at all of the things you currently have in your life and ask yourself whether each thing truly brings you joy or serves a practical purpose. If an item doesn’t do either of those things, then see if it’s possible to remove it from your life.

When I moved back in with my parents, I decided I’d only take things with me that aligned with my core identity. I got rid of a ton of things:

• Arts and crafts materials that I hadn’t used in years

• Books I never planned to read again (Ex. College Textbooks)

• Wine glass sets I wouldn’t need at my parent’s house since I wouldn’t be entertaining there

• Promotional items from a failed startup

• Clothes in the back of my closet that I never wore

I started to equate getting rid of things with freedom. My stuff would no longer weigh me down or hold me back.

BE CAREFUL ABOUT WHAT YOU BRING INTO YOUR LIFE

Once you’ve purged all of the things that you don’t want in your life, your next job is to ensure you don’t over-complicate your life going forward by bringing in things you don’t need.

One of my favorite sayings is “If it’s not a HELL YES, it’s a HELL NO.”

That means if you’re not super excited and enthusiastic about something, than feel confident in saying no to bringing it into your life. This is true for friends, associates, colleagues, opportunities as well as material items.

Only bring things into your life that align with your values and what YOU want out of your life.

Minimalism allowed me to reduce the amount I was spending on things that I didn’t care about, and to start spending my money on the things that mattered the most. It gave me freedom. It gave me choices. And I’m forever grateful.

Do you have any examples of how minimalism improved your life? What’s the next step you are going to take?

Want To Start Planning Your Vision Board Party? 

1. Download the FREE vision board party planning checklist.

2. Craft your inspiring vision board workshop talk with our FREE High Impact Storytelling Journal Prompts. 

3. Plan, promote & host your first (or next) professional & profitable vision board workshop with our signature course, Sold Out Vision Board Parties.

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About the author

Cyrene is a fun and accomplished workshop facilitator, learning and development guru and Human Resources professional. Being at the helm of Thrive Lounge has been a long-time dream. Through vision board workshops she plans to accomplish two-way learning. Sharing her vast years of knowledge to motivate and encourage others; while simultaneously getting the reward of great energy, ideas and questions to ponder back from each group. A super win-win. Please join our Thrive Lounge community so you too can benefit!

Why Ruining My Credit Was The Best Decision Of My Life

I recently shared my super painful debt story on Chain of Wealth Podcast. This interview inspired me to create this series. Rise From Rock Bottom tells every story from my failure years - and how I overcame it.

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In 2015, I was under a mountain of debt. I had about $15K in credit card debt and a $25K car loan on a Mercedes Benz. If that wasn't bad enough, I also had a luxury apartment that easily cost $1500/month. 

I was 25 and a single mom. #TheStruggle

Determined to maintain my credit score, I worked 3 jobs to put food on the table, pay my car note, my high-AF rent and continue making the minimum payments on my various credit cards.

I was under water, overworked, exhausted, and out of options.

If I stopped to take a breath at any moment, I would fall behind on paying bills, my rent would not get paid, there would be no food on the table. I was the epitome of paycheck to paycheck. 

Flash forward to today.

By the end of 2016, I landed a job for one of the top Marketing Analytics firms in the world, making triple what I was making with three jobs. My company that lets you work from where ever you want, have unlimited vacation, a robust retirement plan and values me as an individual.

Most importantly, I am happy.

 

How did I make this transition in one year? 

I made the hardest decision of my life: I stopped paying my bills... ALL OF THEM. 

I called all of my credit cards and informed them I would no longer by paying. I turned my phone off (yes, completely off). I did a voluntary repossession on my Mercedes Benz and bought a crappy car in cash. 

Lowering my bills meant I didn't need more money.

With over $2500 in rent, car payments and credit card minimums every month, I was obligated to work enough hours to cover my bills - EVERY SINGLE MONTH. That means before I could put money into my savings account, buy food or invest in my future I had to make $2500 that would immediately go out the door to pay for my earlier mistakes.

I only made $2000-$2200 each month as a receptionist, waitress and low-paid freelancer at the time. That meant that every month I was also spending MORE MONEY ON CREDIT CARDS. 

Deciding to stop paying my bills and move out of my apartment (and into my moms basement) meant that I would no longer need $2500 each month. Without working any harder, I would now have $2200 each month TO INVEST IN MYSELF. 

What did I do instead?

I made the decision to get masters a degree in a high demand, high value and growing field: Data Science.

I woke up every morning at 3am and rolled out of bed so I could wake up by the shock (and slight pain) of hitting the floor. (I was training myself for a war I intended to win.) I started studying for the GRE. 

Within a few months, I had scored well, applied to school and got into the state school near my parent's house.

Remember the crappy car I bought with I did a voluntary repossession on my fancy benz?  I sold it to pay for as much of my school fees as possible and minimize the amount of loans I had to take out.

Because I no longer needed the money, I was able to quit my receptionist and waitress jobs to go to school full time. I even fired all of my freelance clients and only kept the highest paying client.

After my nine month master's program, I walked across the stage just one year after starting this journey with an offer in hand - for triple what I was being paid before.

My life changed completely.

At this new job, I made $65K per year. That meant I finally would be able to pay off my debts and also have time for myself, my family and there would be money left over to save and invest in myself. 

I also learned the most important lesson of my life: Spend less than you make. (Crazy how long it took to learn that lesson, right?)

I sacrificed my credit score to improve my life.

I am not advocating for scamming your way out of paying for your financial obligations. I am a firm believer that you SHOULD pay your debts. However, that is a choice you CAN make. 

Without the bills, I didn't need three jobs.

Without the jobs, I didn't have to feel stressed every month about creating more income, working harder. I didn't have to burn myself out.

I could think clearly about who I was and what I really wanted out of life. With a clear mind, I put myself in a position to change my life permanently.

I made the conscious decision to take 10 steps back to (finally) propel myself forward. From where I'm standing, I made the right choice.

Want To Start Planning Your Vision Board Party? 

1. Download the FREE vision board party planning checklist.

2. Craft your inspiring vision board workshop talk with our FREE High Impact Storytelling Journal Prompts. 

3. Plan, promote & host your first (or next) professional & profitable vision board workshop with our signature course, Sold Out Vision Board Parties.

---

ABOUT THE AUTHOR

Cyrene is a fun and accomplished workshop facilitator, learning and development guru and Human Resources professional. Being at the helm of Thrive Lounge has been a long-time dream. Through vision board workshops she plans to accomplish two-way learning. Sharing her vast years of knowledge to motivate and encourage others; while simultaneously getting the reward of great energy, ideas and questions to ponder back from each group. A super win-win. Please join our Thrive Lounge community so you too can benefit!