the Creative Money blog

Download the April issue of #MoneyRebel Mag now!

Posted on April 15, 2014 | By Mindy Crary

Blog Post

Welcome to the fourth issue of Money Rebel magazine!

I created this magazine to help women entrepreneurs see that just because their businesses (and money) are different than what they perceive to be the ideal—and far from perfect–doesn’t mean it’s bad. 

What I am loving about this series is that we are seeing how success might not be what you originally pictured—losing your resistance to how things should be going is a huge part of building your business, and I hope my Money Rebels are inspiring you to get started or to get excited about working on the next phase of your business.

icon-fist-hrThis month, my Money Rebel theme is IMPERFECTION.  Not that these three awesome Money Rebels have screwed up any more than anyone else necessarily, but their transparency about it all makes them pretty amazing. 

I know a lot of people wait to start until they feel more ready, more expert, more prepared…you name it.  The thing is, if you don’t just start, you’ll never progress.

I’m running into that right now:  I’m writing a book, and let me tell you, the FEEDBACK I get from editors crushed me the first time—and I’m not even talking about the book, I was criticized before they even started a chapter over the proposal for the book.  I really had to coach myself and remind myself that I am new to writing books, but that I am learning more and improving every day.  And my author friends just laughed and said criticism is part of the process, even for veteran authors.

icon-piggie-hr

I’ve told myself this for years: “I’m a warrior of imperfection.” It helps me start something new when I’m scared.  Believe me, I’ve told myself I’m a warrior multiple times last week with this book proposal!

So do yourself a favor this month…be a warrior of imperfection.

This issue’s Money Rebels are…

Susan Palmer Money RebelSusan Palmer – musician and accidental online entrepreneur when the guitar method book series book she wrote became an online sensation and is now used by teachers and students in over 10 countries, including faculty at Berklee College of Music.

 

Jeannette-Maw Money RebelJeannette Maw – left traditional financial services and became a conscious manifestor, a Master Certified Coach and founded an online community to help people success with Law of Attraction principles.

 

 

nicole-antoinette-money-rebelNicole Antoinette – striving to live in a world with less bullshit. She helps people change their stories – the ones they tell about themselves, to themselves – so that they feel safe about changing their habits and pushing the limits of what they believe is possible in their lives.

 

Are you a Money Rebel?

Money and your business are tools.  If you’re committed to bending them to your will and swinging them like a bad-ass ninja warrior, then you’re a money rebel. 

Don’t get me wrong, I am a huge fan of introspection…and introspection is essential to making good decisions and grounding yourself. 

But sometimes, we need for a little less zen and a little more roller derby.  You might need less THINK and more DO in order to shake things up. 

If you’re processing stuff to try and grow your business and your money, it doesn’t always have to be in stillness.  Channel your inner Buffy and slay some energy vampires.

Get the April issue NOW!

 

No spam. No games. Just timely, insanely useful content to help you grow your money.

 

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Do you choose intimacy or control in your money relationships?

Posted on April 7, 2014 | By Mindy Crary

Do you choose intimacy or control in your money relationships

I am a recovering control freak and codependent.  And throughout my earlier life, money was been a tool to tip the scales in my favor—because money can control others.  Even the lack of money can be used to control others (as in, see how much I am giving up to be with you?). (more…)

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Are you at risk for a tax audit? (roundup)

Posted on March 31, 2014 | By Mindy Crary

Are you at risk for a tax audit

This week I decided to do a roundup of timely and relevant articles about your money and taxes! 

What are the chances of a tax audit?

Eighteen million calls to the Internal Revenue will go unanswered, and more than half of people’s letters will take over a month to respond to, according to IRS Commissioner John Koskinen via the Wall Street Journal last week.   But even though the agency is both underfunded and understaffed, it’s still ready to audit.  To make sure everything adds up, the Wall Street Journal offers some guidelines for avoiding and surviving the agency’s suspicious eye.
 
But many people don’t need to worry; taxpayers earning between $200,000 and $1 million are more at risk than those earning less than $200,000.  Still, the IRS will run your numbers through a computer program that compares your return with a variety of averages, looking for outliers.

You could have a tax refund waiting for you

If you’re one of the 918,600 taxpayers who hasn’t filed their 2010 tax returns, then the IRS is about to bid adieu to your money. As CNN Money reports, if you don’t file your return by April 15, then your money, along with the other $760 million worth of unclaimed refunds, will become property of the U.S. government. If you thought you earned too little to file back in 2010, think again. Refundable tax credits, like the Earned Income Tax Credit, were designed to help low-income filers. The agency says that half of the refunds are worth more than $571. For more, head to CNN.

Bacon!!!

This actually has nothing to do with taxes, but I thought I’d give you a break.  I am bummed that bacon prices are rising!  TIME reports that prices for bacon, OJ and coffee, are on the rise.  Why? A virus is killing off piggies!  But before you get queasy thinking about it, know that the disease doesn’t affect people, and it’s not a food safety concern.  However, as the supply becomes scarcer, it’ll affect the price of pork.  For your morning OJ and coffee, check out the full article.

Spring cleaning your finances

U.S. News & World Report offers five ways to clean up your money act, starting with your budget. Now that we’re nearing the end of the first quarter, ask yourself: Have I been keeping in line with my savings goals? If the answer is no, don’t feel defeated — you have three more quarters in the game to get better.  And here is my personal financial spring cleaning checklist, in case you haven’t seen it.

Although the article didn’t give you the link, here is the link to your free annual credit report as required by law.  I always think tax time is a good time to check again, but keep in mind, this isn’t giving you your credit score, simply providing away for you to check the accuracy of the information listed.
 
After reviewing the budget, look to organizing, and possibly shredding, your old financial documents. The shredding is more for your financial security than it is for cathartic purposes, which is why you should consult the IRS’ website to see their guidelines for how long you should keep certain documents.  Here is a post I did on a good year-end process to make sure you’re not throwing out anything you need.

Actions This Week

go easy on yourself during tax time (that’s plenty to keep most people busy), but as you wrap up your taxes—or prepare to file an extension—make a list of the things you’d like to accomplish money-wise once taxes are out of the way. And it doesn’t have to be super-long, just decide what you want to make happen in the next 30 days!

I don’t prepare taxes, but I tend to help people get organized before tax time comes, so if you want a better handle on managing your taxes going forward, let me know!

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photo credit: Nomadic Lass via photopin cc

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The truth about your tax return

Posted on March 18, 2014 | By Mindy Crary

The truth about your tax return

I do not prepare tax returns, nor do I play a CPA on TV.  But as a financial planner, I understand taxes and have been around enough to help with tax strategy.  And it’s that time of year when I want to punch financial services providers in the neck for making you freak out about your tax return.  (more…)

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Download the March issue of #MoneyRebel now!

Posted on March 11, 2014 | By Mindy Crary

Money Rebel March

Welcome to the third issue of Money Rebel magazine!

I created this magazine to help women entrepreneurs see that just because their businesses (and money) are different than what they perceive to be the ideal—and far from perfect–doesn’t mean it’s bad. 

What I am loving about this series is that we are seeing all kinds of paths to success—experimentation and forward momentum are a huge part of building your business, and I hope my Money Rebels are inspiring you to get started or to get excited about working on the next phase of your business.

icon-fist-hrThis month, my Money Rebel theme is LIGHTNESS. I came across three extraordinary Money Rebel women who all bring a sense of fun to their businesses and reminded me to do the same.

When it comes to money and business, sometimes we start to feel like we’re pushing all of the time—pushing to create the next package, product or level of revenue—and it can all start to feel a bit like drudgery. But what if it didn’t? What if you STOPPED working when something felt too hard, and only worked on the things that engaged and excited you?

I used to think that no one would want to work with a planner/money coach who didn’t want a long-term relationship (I have commitment issues). I thought that icon-piggie-hrwas what prevented me from being a good, traditional planner (it did). Had I limited myself to what other money coaches offered, I never would have gotten started. Had I not decided to say “the hell with tradition” and offered only what I FELT like offering, I wouldn’t have my thriving business.

It’s easy to forget that your feelings are the navigation system to your best life and work and money, so this is your reminder for the month.

LIGHTNESS, people. Look into it.

This issue’s Money Rebels are…

Money Rebel Erin FlynnErin Flynn - Hiker, coffee drinker and Netflix binger, Erin is a functional websites and e-course creator for small business owners, coaching other designers in starting their own businesses. 

 

 

Money Rebel Cori PadgettCori Padgett - Freelance copywriter, pro blogger, and serial entrepreneur (featured on notable blogs like Virgin.com, Copy Blogger, Problogger, Gala Darling, and Fire Pole Marketing ), sharing expertise and copywriting to help other brands engage their audience and sharpen their own messaging.  

 

Money Rebel Kate ByrneKate Byrne - Dr. Kate is roller derby-loving green-juice-drinking yoga-junkie and an internationally recognized expert in business development for trailblazing women consultants, coaches and other kickass experts.

 

 

Are you a Money Rebel?

Money and your business are tools.  If you’re committed to bending them to your will and swinging them like a bad-ass ninja warrior, then you’re a money rebel. 

Don’t get me wrong, I am a huge fan of introspection…and introspection is essential to making good decisions and grounding yourself. 

But sometimes, we need for a little less zen and a little more roller derby.  You might need less THINK and more DO in order to shake things up. 

If you’re processing stuff to try and grow your business and your money, it doesn’t always have to be in stillness.  Channel your inner Buffy and slay some energy vampires.

Get the March issue NOW!

 

No spam. No games. Just timely, insanely useful content to help you grow your money.

 

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