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    The Problem with Money? It's Not About the Money!
    The Problem with Money? It's Not About the Money!
    The Problem with Money? It's Not About the Money!
    Ebook143 pages1 hour

    The Problem with Money? It's Not About the Money!

    By Jane Honeck

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    About this ebook

    When it comes to money, you can’t really fix the “what” until you know the “why.” There are loads of books presenting “keys” for how to manage money. As a result, there are many people who know exactly what to do to gain control of their finances. Yet there are very few who actually do what’s necessary to reach their stated financial objectives. Now, however, you no longer have to be victim to living the same money problems over and over again. Jane’s unique approach is clearly presented in The Problem with Money? by identifying money beliefs in seven key areas and exploring how they influence behavior in seven facets of our lives. It provides tools and techniques for gaining power over these beliefs so changes of financial behavior naturally emerges. Then Jane provides methods for identifying small, doable action steps that produce the profoundly positive benefits of being financially conscious.

    LanguageEnglish
    PublisherJane Honeck
    Release dateMay 24, 2011
    ISBN9780984502011
    The Problem with Money? It's Not About the Money!
    Author

    Jane Honeck

    Jane Honeck, author, speaker, and seminar leader, has been a CPA for over 30 years. She has also been on a quest of inner discovery for more than a decade, and, as a result, has become a Certified Empowerment Trainer. Walking these dual paths has allowed her to combine her extensive money management experience with her in-depth awareness of human consciousness to develop the Cent$ible Living money program, assisting people in gaining real mastery over their financial lives. Jane lives in Maine, where she writes and works with clients as a Money Coach, Personal Financial Specialist and CPA.

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      Book preview

      The Problem with Money? It's Not About the Money! - Jane Honeck

      Mastering the unexamined beliefs that

      drive our financial lives

      THE PROBLEM

      WITH

      MONEY?

      IT’S NOT ABOUT THE MONEY!

      JANE HONECK

      Smashwords Edition

      Copyright © Jane Honeck, 2010

      All rights reserved. No part of this book may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, except in the case of brief quotations embodied in critical articles and reviews, without prior written permission of the publisher. For information, address all inquiries to Reversing Falls Press.

      Although the author and publisher have made every effort to ensure the accuracy and completeness of information contained in this book, we assume no responsibility for errors, inaccuracies, omissions, or any inconsistency herein.

      First Edition

      Publisher’s Cataloging-In-Publication

      Honeck, Jane.

      The problem with money? it’s not about the money! : mastering the unexamined beliefs that drive our financial lives / Jane Honeck. -- 1st ed. -- Portland, ME : Reversing Falls Press, c2010.

      p. ; cm.

      Ebook ISBN: 978-0-9845020-1-1

      1. Finance, Personal. 2. Money--Psychological aspects. 3. Financial security. 4. Finance, Personal--Psychological aspects. 5. Finance, Personal--Decision making. I. Title.

      Author Photo: Jo Moser

      Cover and Book Design: Patricia Bacall

      Book Consultant: Ellen Reid

      Illustrations: Lewis Agrell

      To Janet O’Toole

      business partner and friend

      for your quiet strength and unconditional support

      TABLE OF CONTENTS

      Preface: For Once in My Life

      A Note from Jane

      Chapter I: What’s the Big Deal?

      Hush Money

      Money, Money, Power Money

      Money, Money Everywhere

      Money on the Mind

      Chapter II: Come Out, Come Out Wherever You Are!

      Memories of Money

      Our Families

      Relate This

      Spiritual Viewpoint

      Educational Attitude

      Work Values

      A World of Money

      Chapter III: It’s More Than You Think!

      Overall Attitude

      Ability and Responsibility

      Spending and Spending Plans

      Access to Credit, Doorway to Debt

      Relationships

      Work

      Abundance

      Chapter IV: Do This, Not That

      Step One: State It

      Step Two: Debate It

      Step Three: Recreate It

      Chapter V: I Can See Clearly Now

      Chapter VI: Financially Conscious

      Draw a Blueprint for Change

      Lay a Strong Foundation

      Structure It

      Personalize It

      Update It

      Chapter VII: Taking It to the World

      Worksheets:

      Unexamined Beliefs

      Restated Beliefs and Truths

      Growing Edge Affirmations

      Financial Visions and Next Steps

      Blueprint for Change

      Acknowledgments

      How to Engage the Author

      Preface

      FOR ONCE IN MY LIFE

      Over thirty years ago, after sitting for two-and-a-half-days with the toughest exam of my life, I became a Certified Public Accountant (CPA). The day I earned that title was the beginning of my professional life with money. Luckily, I hadn’t listened to my father who had warned me, No one will ever hire a woman accountant. Instead I had followed my dream to be a CPA and I began my career working under an innovative, bright, young tax partner with a Big Eight accounting firm who mentored me in tax and financial strategies.

      While my left-brain knowledge and client relational skills continued to mature and develop, I soon grew impatient with the firm and its policies. (Ah, youth!) Following the suggestion of a close client, I left the Big Eight to start my own accounting firm. Fate followed me and a year later, my friend and associate, Janet, agreed to join me to help get my steadily growing workload done.

      As the firm grew, I broadened my knowledge about personal finances and became a Personal Financial Specialist (PFS), the CPA’s version of financial planner. With my financial comprehension expanding, I discovered that the thing I loved most about being a CPA was talking with my clients; numbers were fine, but clients were the real thing. I found that the topic of money and taxes automatically forged a close connection with my clients. This connection is where I found the passion for my work. I loved this soft side of money–helping my clients make financial decisions based on who they were and how they thought. I even had a physician client refer to me as his psycho-accountant–not because I was crazy, but because I helped him with that other side of money.

      When my father died some years later, I embarked on a journey of personal discovery. With the workshops I attended and counselors who helped me, new doors opened to peace and understanding of me and my place in this world. As those doors opened, I began to feel a tug to do something more–something that would make a difference in this world. I used to say to friends and fellow journeyers that there had to be more because I didn’t think St. Peter would greet me at heaven with a pat on the back saying, Good job–you did a really nice tax return! (At least I hoped it was St. Peter who met me!)

      On this personal journey, I searched for fulfillment and a way to make a difference in this world. I began traveling parallel paths–one path expanding my accounting practice, the other expanding me personally. But I couldn’t see any way for these two paths to converge. This time I wasn’t impatient, just frustrated, as only a middle-aged woman can be. So I clung to both paths hoping to find a solution.

      As the years flew by, I saw how my clients were stuck in their financial lives. They sought my advice for making all kinds of decisions, not only the usual ones you might expect, but also advice for major life decisions stymied by money constraints. I pointed out the pros and cons of their choices and instructed them in the mechanics of making necessary changes. And, I noticed the stuck places in their journeys mirrored my stuck places, so occasionally I would sneak in helpful suggestions that I learned on my own personal path.

      At the same time, still searching for that ultimate fulfillment, I tried numerous side ventures: an innovative art program for children, light-hearted productions for television, gatherings for spiritual women, and even Tick Tactic, a Lyme disease first-aid kit. Nothing seemed to work until I said yes to a demanding and time-consuming program right in the middle of my busiest tax season.

      I enrolled in the Empowerment Institute. Working with the methodology developed by Gail Straub and David Gershon over twenty-five years ago, I finally found the tools that brought my two paths together. I developed a Money Empowerment Workshop along with a Money Coaching Program and earned certification as an Empowerment Trainer. The financial programs I developed finally merged my two paths and freed my passion.

      Thus was born The Problem with Money? Having worked with clients for more than thirty years, I knew that managing money was all about making choices. The Empowerment Institute helped me understand that our money choices aren’t worth anything if we haven’t examined the underlying beliefs and values. It’s the beliefs about money that lead us to those choices. Without taking time to uncover those beliefs, we make our choices blindfolded.

      How do I know this? I know from personal experience. One would think that a CPA/financial planner would have her money house in perfect order. After all, I have all the knowledge and talent to make good decisions–right? But left-brain power isn’t the important piece of this puzzle. Just like you, I didn’t know that unexamined beliefs were influencing the choices I made. I had that blindfold on too!

      I remember getting my first job as an accountant at a whopping salary of $11,000 a year. I thought I had died and gone to heaven! Finally, I had some breathing room in my budget. Instead of having friends over for popcorn and beer, I could go out. I could buy a few trinkets, maybe even a new car. Life was good!

      As my income grew, I thought about buying a home. I remember signing the papers on that first house hoping I could afford the $330 a month payment and laughing that it wouldn’t be paid off until 2006. Oh, if only I still had that house and that payment!

      Like others, I bought into the American dream. Bigger house, bigger car, bigger spending plan. In 2006 that mortgage wasn’t

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