Every small business owner has the same worries: where’s the money coming from? Whether you are running a $1.5 million landscaping firm, a $300,000 consulting practice, or you are a self-employed service provider scraping by on less than $40K per year, you probably, at one time or another, have felt financial pinch.
It’s true. Most people [...]

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I was a paramedic for over 8 years. By the time I left, I had reached step nine in the union pay scale, which means I was making $25 an hour, or $37.50 at time and a half, and a whopping $50/hour for double time.
It was a lot of money, and rated as one of [...]

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You may be familiar with the principle of tithing- giving a certain percentage of your earnings to those in need. You may have also heard that what you give, will come back to you twice-over, three-times over, seven-fold, or ten-fold. Different traditions have different formulas.
Some people swear by it. Others just end up swearing as [...]

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It seems like such an easy fix: “25% off!” “Buy now and I’ll reduce the price by $100!” Discounting as a selling tactic seems as natural and easy as all get-out.
Which is why you should never, ever discount.
Discounting is a cancer in business, that eats at your heart, and at the heart of your customers.

Good [...]

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‘Can you give me your (class/product/offer) for free, or reduced cost? I’m in a tough situation, and need the help.’
Have you ever had anyone ask you this in your business? If you haven’t, it’s either because you’re invisible, you’ve only been in business for five minutes, or because you look mean.
Years ago, when [...]

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“What’s wrong with me?” Someone in the marketing class was complaining to us, about himself. “My bank account is near zero, and I have twenty thousand dollars in accounts receivable- and all I need to do is send out the invoices.”
“Why can’t I send them out? I feel out of integrity with myself.”
In different businesses, [...]

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During the last Heart of Money class someone was asking why scraping by is the norm, and it’s so hard to come by having extra money.
It came up in the context of paying yourself first. I had told them that you have to pay yourself first, into a savings account or other account, before you [...]

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