Contrary to popular belief, NO is not an insult, a rude response, or a rejection causing four-letter word. It’s just a word. Yes, it is a negative response, but not every negative thing is bad, is it? How about testing negative for aids? How about having a negative balance on your credit card? Finding the negatives to those beloved old family photos or working with negative numbers isn’t bad, either.

NO is just one of the many possible answers we can give when we’re asked a question, asked for a favor or a request is made of us. Although I’m a pretty consistent people pleasin’ yes sayer, there are plenty of times that I utter the noble NO.

I thoughtfully review all requests for my precious time, attention, hard-earned money or creative skills. I’m slightly less likely to expend a lot of energy contemplating a request for an old family recipe or the contact information for my mani-pedi guy. I’m a coach, so people frequently ask me for advice. Sometimes it’s a recommendation or testimonial that’s requested. All of those situations – along with social invitations and babysitting require different kinds of “no” – assuming that NO is the answer.

So much of how you respond depends on how you feel about the request and the requester. Do you want to say YES? NO? Are you comfortable saying NO? What’s the situation? Who’s making the request? Can you fulfill the request without ordering Valium, changing your entire life around or losing yourself in the shuffle? And, do you even have the ability, skills and/or resources to grant the request? So much to consider…This is why declining a request can often get a little sticky and little tricky.

I’ve never really been comfortable saying NO (the thought of hurting someone’s feelings or disappointing them is so unpleasant to me).  Besides, I love to be the good guy! Learning the NO wasn’t an easy lesson for me, but I would have been out of business without having done so.

I used to run a party and event planning business. Not a week went by without a request from one charity or another (sometimes it was daily) for something I had that they wanted… donated! It took me a while, but I did learn that if I said yes to everyone who asked, I wouldn’t be in business any more – and then, I’d be unable to help anyone! That’s when I developed my now famous, NO with a counter offer approach to requests.

While I seldom gave any group everything they asked for as a donation, I always gave every charity that made a request something ‘on the house’. No one was turned away. And my response to all of them was basically the same. “Oh, how I would LOVE to do all of that for you, but if I did, this store wouldn’t be here the next time you or someone else needed me. Can’t do all of that, but here’s what I can do…” And then I would make a counter-offer they couldn’t refuse. Got to love a WIN-WIN situation. Did any of us walk away feeling hurt or disappointed? NO, of course, not.



There’s plenty of money around and I’m glad, ‘cuz everyone loves money! At least that’s MY story – and I’m sticking to it. I also believe that money is very important and having it is the possibility of freedom for all of us.

Money has more ‘followers’ and ‘likes’ than anyone on Facebook. And isn’t it interesting that one’s background, IQ, social status and education are all totally irrelevant when it comes to how much we each get to have?

We all know people who just ‘got lucky’ in the money realm. Some of the richest people on the planet didn’t go to college and came from the ‘other side of the tracks’. Doesn’t matter what you history is… you can still have lots of money no matter where you were born – or to whom. I know people who work 24/7 and lose money 24/7. So, clearly, it’s not how hard or long you work, either. And, sadly, we all know a few truly brilliant individuals who can barely seem to scrape together enough money to get by. So it’s not how smart you are that determines how much money you have.  What’s the deal? If it’s not an off the charts IQ, rich parents or hard work that makes you rich, what is it?

Besides knowing money basics (understanding the numbers, banking, the market, credit, compounding interest and the like), it seems that most researchers agree that it’s not ‘what you know’, it’s what you BELIEVE  (even unconsciously) about money, that either paralyzes you or frees you up to have lots and enjoy it.

Our Money Beliefs = The Way We Talk About Money = Our Feelings and Emotions About Money= Our Actions Around Money = Our Reality

The simplest way to shut down your fiduciary pity party is through GRATITUDE. When you focus on what you HAVE instead of what you’re missing; when you recognize and appreciate all the blessings in your life – and concentrate on them, you get MORE! It sounds so simple… and it is! What you put your intention and attention on money, it shows up. Well, if you expect it, it will.

Here’s how it works: You have beliefs about money and those beliefs color the way you speak about money. When you are grounded in abundance you talk about money as being plentiful, available and attainable. That makes you feel good and positive about having enough – or more than enough – money in your life. When you feel good about money and know that it’s abundant, those good feelings move you to take actions that will keep it in your life. And, BAM! Abundance is your reality. See, I told you it was simple.

If you want to try something more concrete, try this: Write down a list of your negative money beliefs. Three to five of your biggies is fine.

  • I don’t make enough money.
  • I’ll never have enough money.

Now restate them as feelings.

  • I don’t feel like I make enough money.
  • I feel like I’ll never have enough money.

Now reframe them positively.

  • I always make enough money for all my wants and needs.
  • I’ll always have enough money for myself and for sharing, too.

Too much of a leap? Okay what would you be open to or willing to have? State them that way for now.

  • I’m open to making enough money to cover all my wants and needs.
  • I’m willing to make enough money to cover all my wants and needs
  • I’m open to having enough money for myself and for sharing.
  • I’m willing to have enough money for myself and for sharing.

Finally, choose some awesome new concrete beliefs to adopt (There’s plenty of money for everyone! I love money and it’s attracted to me.) and begin to transform your fiduciary forecast. And remember: Mantras and affirmations – phrases of intention – are just telling the truth in advance – so long as you’re also being responsible and taking solid action steps to implement those new beliefs, you are on the way to abundance.




Self Sabotage

Unlock your money magnet!

When I was a teenager, living in an upper middle community, I looked around and (mostly unconsciously) judged the people around me who had lots of money. There were lots of ‘them’ to observe and, after deciding that my family was on the poor side, I made a slew of decisions about rich people. It wasn’t conscious, but it was pretty ugly and the rich folks didn’t fare well with me at all.

People – well, kids, with lots of money, I decided, were catty, popular and phony. As a group they were self-centered and self-important, unbalanced, unspiritual (but went to church to be social), wasteful, never satisfied, stuck-up, good looking (with great taste in clothes) and lucky… very, very lucky. I saw their parents – when I bothered to even give them a thought, as absent, cold, busy, powerful, snobby, and cruel to those who weren’t rich. And that was just the start of what I determined! I also ‘learned’ that men controlled the money, women overspent the money and that there was a finite amount of money – and these people were hogging it! That was my story and for me it was real.

As I moved out of the early chapters of my life, making the next level of my decisions – far more ‘adult’ decisions about people who had lots of money – I decided that people who did things with the intent to make a lot of money:

  • Didn’t do things that ‘made a difference on the planet’ (Which was fine with me because ‘everyone knows’ that teaching will never make you rich and ‘doing good’ wasn’t lucrative.)
  • Were never satisfied with what they did make. (Enter the workaholics.)
  • Were always afraid of losing what they had.
  • Were afraid of failing.

So I didn’t set out to make LOTS of money, I simply followed my passions and had FUN. It was working. At one point, years ago when the dollar was worth a lot more, I earned $500 every 15 minutes!

That was then…  Years later, my ‘abundance’ began to disappear. What??? I decided that I needed a minimum of $2M (in savings and assets) to support my ‘golden years’. Desperation set in (dangerous stuff). Why wasn’t the money coming in? This wasn’t fun anymore.

And, that’s when I started to became CONSCIOUS about my relationship with money. It was going to take lots of money to get everything I wanted and needed. How was I going to make that happen? And, what was blocking me now? It was so easy in the past.

The BIG AHA MOMENT: My life was no longer about the passion and FUN; it was all about making lots of money. I was so attached to that end result that my happiness and self-worth had become dependent on it. My inner peace and balance were attached to having something ‘happen’ instead of being present and enjoying the NOW. The first step to creating change is awareness, right? Questions followed…

Who would I have to BE to have it all? Why would my unconscious mind – there to protect me – let me become one of ‘those’ people? Simple answer, it wouldn’t! My subconscious mind stealthily reminded me that I didn’t actually like rich people; that I said I didn’t want to be like them. I said I want to have $2M and a comfortable monthly income that allows me to live and give in abundance. Rich people have that – and more. But, at some level, I didn’t want to be a rich person! My subconscious mind was sabotaging my moneymaking efforts based on how negatively I’d judged high earners. My silly subconscious was actually protecting me… from me!

My beliefs weren’t necessarily bad or wrong, they were just… mine; appropriate and realistic at the time I formed them. They were partially true, but incomplete and simplified.

Now that I have brought my old beliefs about money up to the conscious level, I can move out of my old pattern of unconsciously following them—even (and especially) when they’re not working—and create a whole new, healthier, passionate and FUN relationship with money. Old $ubcon$ciou$ belief$… you’re not welcome in my new world!


Shhh! Let’s Talk About Money!



I think my parents had more money than my grandparents… but I’m not really sure. How could I know? It’s not like they ever discussed it around the table at Sunday family dinners. It’s not like any of them ever talked about money at all – except to mention things like: Money doesn’t grow on trees. A penny saved is a penny earned. Money doesn’t buy happiness. The best things in life are free. Money is the root of all evil. We can’t afford it… do you think I’m made of money? ) Money was clearly the elephant in the room – and it was spreading to my head.

My teen years were “spent” in an affluent neighborhood. Huge mansions and sprawling estates overlooked the azure blue pacific.  Between the parks and horse trails were majestic peacock-filled tree lined streets. The high school parking lot was filled with expensive, late model cars and the lawns were neatly and artistically manicured.

We didn’t have a swimming pool. I didn’t have my own car. We weren’t Presbyterian – or even Christian and I didn’t have a princess phone in my room! I didn’t really BELONG in my hood – know what I mean? THEY had everything. We were missing some stuff… (Only the herd in my head knew just how much was missing!)

Shortly after we had moved to ‘Wonderland’ my mother was invited to attend a League of Women Voters meeting at a mansion “behind the gates”. She came home with quite a story to share. The hostess, upon hearing which area of Wonderland we resided in, said simply, “Oh? The slums?” Yup. We lived in the slums. And now I knew it for sure! My mother seemed to be more amused than hurt or angry. That really confused me. I wanted to go find that biatch and punch her in the face!

Then, unable to physically punch, I carefully designed some life-altering decisions and drew a bunch of conclusions… some about people, many about money – most with little basis in reality – except, of course, mine. (All of them, you’ll note, were cleverly designed to protect me in the future, and none of them were open for discussion. My elephants were not talking!)

My family was poor and no matter how good I thought my life was, it wasn’t that good; it could be better with more money.

We didn’t belong and never would.

People with a lot of money weren’t nice. In fact, rich people were mean.

 Men made the money and women lived off of and bragged about their men, so women were stupid and rich women were the worst!

 On the report card of life, I was a B, maybe even a B+… not an A. And, there didn’t seem to be anything I could do about it. I was born a B. Raised as a B. Probably destined to remain a B forever. B wasn’t ‘bad’. It just wasn’t enough. I didn’t have and wasn’t ENOUGH.

 Scarcity! There wasn’t enough to go around ‘cuz THEY had it all. I looked around and there was never enough. I was never enough. And I was an excellent detective collecting tons of evidence to prove it!

I was ‘short’ not petite.

I was ‘cute’ not pretty.

I was popular but not in the ‘A’ clique.

I was ‘smart’ not brilliant.

I got all A’s… and one B (“How”, asked my father, “did you screw up in that subject?”)

I got an allowance but it wasn’t ‘enough’.

I had a job as a popcorn-selling usherette, but I didn’t earn ‘enough’.

So, you ask, based on how cleverly you buried yourself in scarcity and not being ‘enough’, Sandye, how did you get out of that self-defeating mindset? Guess you’ll have to listen to the Motivate and Activate call for March 3, 2016. I’ll tell you then. If I have ENOUGH time!