Category Archives: All Posts

Mining at Salt Pond Beach in Hanapepe, Kauai | Fun Things to Do in Kauai

Watching Hawaiian Salt
being made at the Beach!

On my way to go snorkeling today at Salt Pond Beach, I saw them mining the salt. I love this beach close to home and was excited to find out more about the mining here. Sometimes I see people working out there, but today was different. There were buckets out and it looked like it was harvesting day – I was right!

Here’s some history about the Hawaiian salt making at Salt Pond in Hanapepe, Kauai – I learned a lot about these 26 Hawaiian families who still mine as their ancestors did!

I realized it had been almost a month since I had been snorkeling at this amazing beach 1.5 miles from home. My “inner child” was asking to go play so I honored a “playdate.” I’m so glad “we” had a blast seeing some amazing creatures while snorkeling. There were tons of fish today like puffers and a trumpet fish. The highlight was a huge grey crab with big red spots.  The salt mining was an awesome bonus!

 

How to Request an IRS Payment Plan Installment Agreement to Avoid Levy or Seize Property

Helpful Links for Setting Up an
IRS Payment Plan

Part of my financial freedom journey left me owing back taxes.
Oh, joy. My 2012 was on a payment plan a few years back and then early in 2017 I started this process again. Here’s some valuable information I’ve gleamed from the IRS while reconciling my finances.

Steps for Making Payments on Back Taxes

  1. File Taxes Owing IRS
  2. Get IRS Letter on What You Owe
  3. Setup Installment Agreement
  4. Make Payments
  5. Celebrate Being Free!

Helpful Links for IRS Payment Plan

 

IRS Customer Service Phone Number: 800-829-3903

This is the mailing address for IRS I was given
If you call them, confirm which address because it’s different for each state

Internal Revenue Service
ACS Correspondence
PO Box 145566
Cincinnati, OH  45250-5566

IRS Online – “Get Transcript”
https://www.irs.gov/individuals/get-transcript
Online service to request a list of all the income sources the IRS has on record for you each year

IRS Installment Agreement Request – Form 9465
https://www.irs.gov/pub/irs-pdf/f9465.pdf
This is the link to request making payments on taxes

IRS Installment Auto Payment – Form 433-D
https://www.irs.gov/pub/irs-pdf/f433d.pdf
This is the link to the form to setup Autopay “direct debit”

IRS Request for Copy of Tax Return – Form 4506
https://www.irs.gov/pub/irs-pdf/f4506.pdf
This is the link to the form to get your tax return

IRS Claim for Refund and Request for Abatement – Form 843
https://www.irs.gov/pub/irs-pdf/f843.pdf
This is the form to request penalties be removed

Good Things I Learned from IRS

  • You pick the installment agreement price. I owed $3600 and I suggested $100 a month and they accepted it
  • You can pick your payment due date on your installment agreement
  • If you make less than $10,000 you don’t need to file taxes that year
  • Ask For What You Need!! I told her I felt overwhelmed getting this together in 10 days so she extended it to 30 days.

***

“Trust that everything is working out for the best …
When you start thinking this way, life becomes magical ”
– Your Wish is Your Command

This is the worst nightmare scenario I had been fearing. Receiving IRS notice of intent to seize my property! When I read the letter I felt fine, there was no panic, no overwhelm, no barrage of condemning self talk like every other time. A few months ago this letter could easily have shattered my limping spirit.  Instead I was ready for it because I felt good and then I read the letter while giving thanks, “I am capable of handling my taxes once and for all! OMG I am truly coming out this anxiety ridden stage in my life – Hallelujah!”

I am so grateful I let those negative self beliefs go. With this renewed positive confidence I handled this tax levy situation by trusting everything is working out for my best. So it did – I was inspired to ask the right questions and attract the kindest representative to support me! Everything is on track with my back taxes now – what an even better feeling I have now!

Worst Nightmare IRS Letter turned Positive Growing Experience

Back taxes: This subject had caused me a lot of shame and anxiety over the years from a past business debt that snowballed. I fell off the payment plan during my move to Hawaii. I restarted the process in early 2017, new year it’s time to handle it. The first time I called I had an hour wait time, good conversation unfortunately they never sent me the paperwork as promised. So 6 weeks later and another 2 hour hold, this time I made some headway. I filled out form 843 to see about removing the penality. Now to play the waiting game again. In May I got a notice saying they received it. Oh yeah. Then another saying forwarded to another department. I received another letter in July said they were reviewing my file and would have an answer within 90 days.

Suddenly a week later appears this “Intent to Seize Your Property” notice. What?! Was this my return correspondence denying request or just a scare tactic to get payment? (My lovely representative admitted the IRS does have that overzealous nature with those notices!) This time calling I felt different and certain of a favorable outcome. I wasn’t anxious and I had a positive attitude when calling and I only had a 45 minute wait when I called the IRS number on Monday morning. That’s pretty darn cool. Everything’s working out well already.

This was my third call (or perhaps fourth) to the IRS this year regarding the matter and I’ve always had super kind customer service representatives. After my call I remarked to a friend how I am so grateful this is usually my experience with phone calls (since I know I how to deliberately create this I attract the right representative!). Ms. Thompson helped my fully and went above and beyond giving me some great information.

Previous IRS Correspondence Letters

As I got reenrolled in the IRS payment plan, I learned shockingly I am missing two years of records. How frustrating because I paid someone to do my taxes both those years. Rather than revert to overwhelm or anxiety over the issue, I remained calm and I learned about requesting an Income Transcript. A double win!

The IRS “Get Transcript” is a list of all the income sources the IRS has on record for you each year and payments. How helpful! Now I can double confirm everything before I file my taxes! 🙂 I’m not sure when it posts though 2016 is already there and it’s July 2017. If you filed a tax filing extension October is the deadline so you can confirm what IRS has on file for that year before filing. How nice to be on the same page! It’s free to request a mailed copy, you can download online or we went over it on the phone so I had the info right now too. I’m so happy to discover this nugget!


Hearing I needed to solve two years of missing taxes was concerning. I admitted to Ms. Thompson I was starting to feel overwhelmed doing this in the 10 day window. I asked for support and it worked and she gave me 30 days. Overall this whole tax situation feels really good to handle and I have confidence in receiving the money to pay it off very soon. In order to receive all the big money coming gotta have everything be on track. The more I see and take care of this stuff the better I feel! I recently heard the idea the Universe is your biggest investor so it wants to make sure you can handle it well!

Start Attracting More Money Now | How to Use the Mental Bank | Financial Freedom Exercise

Reprogramming Your Mind for Wealth

***

Step 1: Define Your Goal

Step 2: Determine Value Events

Step 3: Create Your Notebook

Step 4: Establish Your Routine

Step 5: Experience Your Dream

 


***

 

How To Attract More Money Now

Money is an idea and thoughts prompt feelings. Feelings create an expectation and ultimately your experience. Your idea or belief about money determines your money experience.

Do you believe money is hard to earn, difficult to keep, or there's never quite enough because of your experience?

Do you believe you can contribute value doing what you love while generating plenty of money?

Are you increasing your wealth everyday?

***

The positive idea feeling you have enough money, while the negative idea feels the lack of money. The negative ideas attract money experiences that generally have a negative outcome. Ever heard of lottery winners who go broke not long after winning? Deep down the feeling they were programmed to (the idea of not having enough money) caused their spending behavior until they again didn't have enough. By experiencing the feeling of what you want, it gets those results to manifest money in your life quicker. How can you radically transform your positive feelings with money? I discovered a great exercise to do just that! This mental bank exercise trains you to see your value, raise your wealth consciousness and begin living your dream now. My dream is I am a financially free millionaire and I define it as owning my own dream home free and clear, built on a family farm with over 12 oceanfront acres in Hawaii and over $1,000,000 a year of passive income. This means my monthly income lifestyle is receiving over $83,333 per month, which is a huge jump from what I have experienced so far. By doing this mental bank exercise and experiencing the feeling of living as a financially free millionaire already, I quickly begin to attract the people and circumstances into my life to make it happen. I shared this mental bank exercise with my friends and - wow! - they are also having exciting  experiences of receiving more money and reaching their goals!

***

Personal Benefits

Generating More Income

Get Comfortable with Higher Income Numbers

Recognizing Your Value and Worthiness to Receive

Improve Self Discipline

Visualizing/Defining Your Dream

How To Attract More Money Now

*** Money is an idea and thoughts prompt feelings. Feelings create an expectation and ultimately your experience. Your idea or belief about money determines your money experience. Do you believe money is hard to earn, difficult to keep, or there's never quite enough because of your experience? Do you believe you can contribute value doing what you love while generating plenty of money? Are you experiencing increasing your wealth everyday?

***

The positive idea is to feel you have enough money, while the negative idea feels the lack of money. The negative ideas attract money experiences that generally have a negative outcome. Ever heard of lottery winners who go broke not long after winning? Deep down the feeling they were programmed to (the idea of not having enough money) caused their spending behavior until they again didn't have enough.

***

By experiencing the feeling of what you want, it gets those results to manifest money in your life quicker. How can you radically transform your positive feelings with money? I discovered a great exercise to do just that! This mental bank exercise trains you to see your value, raise your wealth consciousness and begin living your dream now.

***

My dream is I am a financially free millionaire and I define it as owning my own dream home free and clear, built on a family farm with over 12 oceanfront acres in Hawaii and over $1,000,000 a year of passive income. This means my monthly income lifestyle is receiving over $83,333 per month, which is a huge jump from what I have experienced so far.

***

By doing this mental bank exercise and experiencing the feeling of living as a financially free millionaire already, I quickly begin to attract the people and circumstances into my life to make it happen. I shared this mental bank exercise with my friends and - wow! - they are also having exciting  experiences of receiving more money and reaching their goals!

***

Personal Benefits

Generating More Income

Get Comfortable with Higher Income Numbers

Recognizing Your Value and Worthiness to Receive

Improve Self Discipline

Visualizing/Defining Your Dream

***


Mental Bank Concept

5 Reasons the Mental Bank is So Powerful

"The 5 Synergistic Elements 1. BELIEF     Understand and believe that you are successful right now. You can put into action your new, successful script and rewrite your subconscious. 2. DAILY REINFORCEMENT   Override the old programs, not just with positive thinking (that only reaches 12% of the mind).The Mental Bank reaches 88% of the mind. We do not have to believe that the Mental Bank will work for it to work. In fact, it WILL work as long as we do it.
3. SCRIPTING   Handwriting goes back to the central nervous system, bypassing the critical area of the mind and entering the subconscious. Writing in script (cursive) is most effective. 4. TIME OF DAY     The last half hour before sleep is referred to as the “magic 30 minutes”. This is the time when a person’s mind is in a natural state of hypnosis. Anything taken into the mind at this time can enter the precognitive stage of dreaming. 5.  DREAMS    The mind attempts to predict the most probable outcome based on what it has just learned. Through repetition alone, the mind will accept the Mental Bank information as a new program and vent out the old program in dreaming. The Mental Bank allows us to take control of this natural venting/dreaming process." Excerpt Above from Mental Bank Handbook

Mental Bank Creator

"The Mental Bank program, developed by Dr. John Kappas and the staff of the Hypnosis Motivation Institute (HMI), represents the culmination of 30 years experience in the field of subconscious and behavioral reprogramming. The text explains in easy to follow steps the five synergistic elements of the Mental Bank program and how to get them working in your life in less than five minutes per day. The Mental Bank program is a dramatic demonstration of how your subconscious mind is a goal machine, driven to achieve whatever it is programmed for. The Mental Bank program puts you in the driver's seat for programming your subconscious mind to achieve success, happiness and prosperity, easily and effortlessly" - Success is Not an Accident: The Mental Bank Concept by John G. Kappas. 
Just so you know, this video is not 5 minutes - it's 2 hours! Continue reading this post for my "Cliff Notes" 😉 Mental Bank: Official PDF https://hypnosis.edu/distance/advanced/workbooks/v8.pdf Mental Bank: How To Book https://www.amazon.com/Success-Not-Accident-Mental-Concept/dp/0937671657 Mental Bank: Founders Website https://hypnosis.edu/streaming/mental-bank/ Mental Bank: Resource http://www.submindtools.com/the-mental-bank
***

Applying My Inner Bank Process

Note from Lauren - A funny coincidence: what helped me to define my goal of being a financial free millionaire and see myself living in my dream house was several appointments at HMI in January 2014! I heard of the mental bank concept somewhere in my personal growth journey, Googled it and put it into practice for a bit. Then at my Meetup for business owners one of the members had taken a Mental Bank course and shared the book with us and I did it again. Only then did I find the free online PDF from HMI. Three times over several years I used the mental bank for short periods and experienced a tremendous positive effect, plus I actually had money come "outta nowhere" during those times. Yet I didn't have consistency until I put my own spin on the Mental Bank Concept and developed some great templates and resources I call the "Inner Bank Exercise." I'm happy to share what I use and am very pleased with my results.

Step 1: Define Your Goal

Money Goal

If you have a specific money amount, just plug that into the goal. This applies to many different areas, and you can drive the idea into your subconscious with money goals.  Post on SMART goals

Other Goals

A weight loss goal could be defined as $100,000 and I’ll pay myself according to my weight loss and value events like eating healthy or exercising.

Peace Of Mind Goal: Your Dream Life

This is where the magic happens! Go big!! Most people create goals in their mind, I want to be rich, I want to live in a big house, I want to have a ranch in the mountains….It’s vital to get specific. How much money do you actually want? Does 1 million dollars make you feel rich, or 100 million?  Do you want a $200,000 house or a 20 million dollar house?  Getting specific allows you to really make the goals measurable.  How large is your house, what’s the monthly household expense? Will you need a chef, housekeeper?  How often? Someone to do errands and drive the kids to school?  A personal assistant to do all these things? What’s your ideal budget for shopping/eating out/household expenses?  Do you want to travel each month? Personal jet or just flying first class? You need to get used to having this abundance, and be really comfortable with it. Your subconscious needs to believe it and expect it. Setting these measurable goals sets you on the right path to creating exactly what you want, because you’ve taken the time to create it in your head first. Having these big plans for yourself is great, but if you’re starting from a place of confusion or lack of anything (and maybe everything) in your life, then it’s hard to know how to make changes to feel like your wildest dreams are coming true. That’s where the 4 areas of Peace of Mind come in to the equation. The areas are: Health, Wealth, Love and Happiness.

Step 2: Establish Value Events

Value Events

Value events are based on actions you do that get you closer to your goal and what feels good to you. Things that add value to your day are, in fact, contributing to your success. Yes, it can even be serving others, taking a course, meditating or spending time with family. Developing great relationships with quality family time or masterminding phone calls are great examples of value events.  Look at the 4 areas of peace of mind to determine your overall total (see Peace of Mind above)
  • Health goals may have value events like exercising, food choices, sleep routine, water amounts, etc.
  • Wealth/money goals may have value events for: responding to emails, talking to clients, sales calls, reading or listening to learning materials.
Assign the hourly rate (yes, it's going to be in the hundreds or even thousands $$) and a flat rate for each event: listen to yourself on determining what is an hourly event and what will stay at a fixed amount. *Overall the majority of records should be hourly to help you gain more awareness on the time spent on your goals.
  • Health Goals may get an hour rate for exercise and a fixed amount for healthy food choices or reaching your nightly sleeping target
  • Money goals may get an hourly rate for working on projects and perhaps a flat rate for each sales call

Bonus Events

When something is super hard to do or scary but brings you a significant step closer to your goals, these events are paid 2- 3 times the usual amount. Example: Making cold calls, going for a run, doing a project you want to avoid.

The Math

Using the Mental Bank Way vs The Inner Bank Way The difference is that the Mental Bank has you calculating annually to determine hourly rates, while the Inner Bank calculates monthly. The reason I created the Inner Bank is to give you more instant feedback on achieving your goals.
  1. Take your goal amount and multiply it by 4 to get Inner Bank target
    • Example - Goal: $10,000 x 4 = $40,000
  2. Divide that number by 720 to get hourly, monthly wage
    • This is calculated around the clock
    • Example - $40,000 / 720 = $55/hr, I prefer to round it
  3. Double or triple hourly wage for bonus events
    • Example - $55/hr x 2 = $110/hr
  4. Determine varying amount for flat rate events
    • Example - $500 for attending a workshop
    • Example - $100 for getting 8+ hours of sleep

Now if you’re ready to go big!

Example: $1,000,000 x 4 = $4,000,000 $4,000,000 / 720 = $5,555/hr $5,555/hr x 2 = $11,111/hr bonus rate 

Step 3: Create Your Inner Bank Notebook

Binder Supplies

  • Three Ring Binder, Hole Punch, Folder, Divider, Calculator
I find it a lot easier to have a 3-ring binder for my Inner Bank and hole punch my printed templates. The dividers separate your daily ledger and your other sections. A folder is handy to keep you organized. Make sure you have a calculator or use the function on a phone or computer. Buy Supplies from Amazon

Paying Yourself

I write real checks to myself and put them on the wall for a powerful visual. I highly recommend using specific checks for this exercise; for $20 I ordered a separate box of real checks just for mental banking paychecks. It's an amazing feeling KNOWING I will cash them soon! *Free Download* Printable Blank Checks

Notebook Pages

*Free Download* Printable Inner Bank Ledger Helpful Pages Lauren Created
  • Inner Bank Contract
  • Inner Bank Ledger
  • The Happenings
  • Value Events
  • Cashflow Sheet
  • Investments

For Best "Inner Bank" Results, Join Our Accountability Group & Receive Your Templates FREE!

Step 4: Inner Bank Routine

Daily Practice

  1. Log each event and record the rate and time
    • Example: Health Goal - Drinking Water $20/Bottle flat rate, 6x
    • Example: Relationship Goal - Go on Date $400/hr rate, 90 minutes
    • Example: Money Goal - Cold Calls $800/hr bonus rate, 45 minutes _
  2. Calculate all events at the same time using a calculator
    • Example: Health Goal - Drinking Water $20/Bottle flat rate, 6 times = $20 x 6 bottles = $120
    • Example: Relationship Goal - Date $400/hr rate, 90 minutes = 90 min / 60 min = 1.5hrs x $400 = $600
    • Example: Money Goal - Cold calls $800/hr Bonus rate, 45 minutes = 15 min / 60 min = .25hrs x $800 = $200 _
  3. Total the Day and Add to Your Mental Bank Balance
    • Example: Cold Calls $200  + Date $600 + Water $120 = $920 for the day!
    • $920 for the day + previous Mental Bank balance equals your new current balance _
  4. Pay Yourself and Deposit into Mental Bank
    • Journal and write out the following script each day, "Today,(write-the-date), I am so happy and grateful receiving $##,### $(write-out-the-full-number-in-cursive) making my new mental  bank balance $#,###,### $(write-out-the-full-number-in-cursive) "
    • Example: Today, January 1st, 2017 I am so happy and grateful receiving $5,327.12 five thousand three hundred twenty seven dollars and twelves cents making my new mental bank balance $612,973.42 six hundred twelve thousand nine hundred seventy three dollars and forty two cents
    • Your daily pay is just written out on the ledger and issue an official paycheck for the weekly total _
  5. Record Happenings from the Day!  This is your chance to reflect on opportunities you've been given each day to move closer to your ultimate goals. You'll start to recognize the daily occurrences of abundance. As you look for them,  they'll become more numerous and greater. Because what you give attention to, grows.

Weekly Payout

  • Calculate the total of each day during the week and write a check for that amount! Writing that check makes it real.  Seeing those numbers next to your name makes a powerful statement. You are wealthy, you are worthy.  You deserve that abundance of money.  

Advanced

  • Cashflow Worksheet Allocation. (Add Screenshot of what amounts of money get allocated and where they will be.)
  • Update investments

Step 5: Experience Your Dream

Acknowledge and give gratitude for the abundance manifesting in your experience!

Your mind must wrap itself around this idea of seeing abundance all around you, regardless of what your circumstances may be. When you start to SEE abundance in your everyday life, you're given more. So acknowledge and give gratitude for each and every one of those blessings! More comes to you, and more and more and more. That's where you experience your dream and build the life you're truly meant to live.


 

Mental Bank Concept

5 Reasons the Mental Bank is So Powerful

“The 5 Synergistic Elements

1. BELIEF     Understand and believe that you are successful right now. You can put into action your new, successful script and rewrite your subconscious.

2. DAILY REINFORCEMENT   Override the old programs, not just with positive thinking (that only reaches 12% of the mind).The Mental Bank reaches 88% of the mind. We do not have to believe that the Mental Bank will work for it to work. In fact, it WILL work as long as we do it.

3. SCRIPTING   Handwriting goes back to the central nervous system, bypassing the critical area of the mind and entering the subconscious. Writing in script (cursive) is most effective.

4. TIME OF DAY     The last half hour before sleep is referred to as the “magic 30 minutes”. This is the time when a person’s mind is in a natural state of hypnosis. Anything taken into the mind at this time can enter the precognitive stage of dreaming.

5.  DREAMS    The mind attempts to predict the most probable outcome based on what it has just learned. Through repetition alone, the mind will accept the Mental Bank information as a new program and vent out the old program in dreaming. The Mental Bank allows us to take control of this natural venting/dreaming process.”

Excerpt Above from Mental Bank Handbook

Mental Bank Creator

“The Mental Bank program, developed by Dr. John Kappas and the staff of the Hypnosis Motivation Institute (HMI), represents the culmination of 30 years experience in the field of subconscious and behavioral reprogramming. The text explains in easy to follow steps the five synergistic elements of the Mental Bank program and how to get them working in your life in less than five minutes per day. The Mental Bank program is a dramatic demonstration of how your subconscious mind is a goal machine, driven to achieve whatever it is programmed for. The Mental Bank program puts you in the driver’s seat for programming your subconscious mind to achieve success, happiness and prosperity, easily and effortlessly” – Success is Not an Accident: The Mental Bank Concept by John G. Kappas. 

Just so you know, this video is not 5 minutes – it’s 2 hours!
Continue reading this post for my “Cliff Notes” 😉

Mental Bank: Official PDF
https://hypnosis.edu/distance/advanced/workbooks/v8.pdf

Mental Bank: How To Book
https://www.amazon.com/Success-Not-Accident-Mental-Concept/dp/0937671657

Mental Bank: Founders Website
https://hypnosis.edu/streaming/mental-bank/

Mental Bank: Resource
http://www.submindtools.com/the-mental-bank

 

***

Applying My Inner Bank Process

Note from Lauren – A funny coincidence: what helped me to define my goal of being a financial free millionaire and see myself living in my dream house was several appointments at HMI in January 2014! I heard of the mental bank concept somewhere in my personal growth journey, Googled it and put it into practice for a bit. Then at my Meetup for business owners one of the members had taken a Mental Bank course and shared the book with us and I did it again. Only then did I find the free online PDF from HMI. Three times over several years I used the mental bank for short periods and experienced a tremendous positive effect, plus I actually had money come “outta nowhere” during those times. Yet I didn’t have consistency until I put my own spin on the Mental Bank Concept and developed some great templates and resources I call the “Inner Bank Exercise.” I’m happy to share what I use and am very pleased with my results.

Step 1: Define Your Goal

Money Goal

If you have a specific money amount, just plug that into the goal. This applies to many different areas, and you can drive the idea into your subconscious with money goals.  Post on SMART goals

Other Goals

A weight loss goal could be defined as $100,000 and I’ll pay myself according to my weight loss and value events like eating healthy or exercising.

Peace Of Mind Goal: Your Dream Life

This is where the magic happens! Go big!!

Most people create goals in their mind, I want to be rich, I want to live in a big house, I want to have a ranch in the mountains….It’s vital to get specific. How much money do you actually want?  

Does 1 million dollars make you feel rich, or 100 million?  Do you want a $200,000 house or a 20 million dollar house?  Getting specific allows you to really make the goals measurable.  How large is your house, what’s the monthly household expense? Will you need a chef, housekeeper?  How often? Someone to do errands and drive the kids to school?  A personal assistant to do all these things? What’s your ideal budget for shopping/eating out/household expenses?  Do you want to travel each month? Personal jet or just flying first class? You need to get used to having this abundance, and be really comfortable with it. Your subconscious needs to believe it and expect it. Setting these measurable goals sets you on the right path to creating exactly what you want, because you’ve taken the time to create it in your head first.

Having these big plans for yourself is great, but if you’re starting from a place of confusion or lack of anything (and maybe everything) in your life, then it’s hard to know how to make changes to feel like your wildest dreams are coming true. That’s where the 4 areas of Peace of Mind come in to the equation. The areas are: Health, Wealth, Love and Happiness.

Step 2: Establish Value Events

Value Events

Value events are based on actions you do that get you closer to your goal and what feels good to you. Things that add value to your day are, in fact, contributing to your success. Yes, it can even be serving others, taking a course, meditating or spending time with family. Developing great relationships with quality family time or masterminding phone calls are great examples of value events.  Look at the 4 areas of peace of mind to determine your overall total (see Peace of Mind above)

  • Health goals may have value events like exercising, food choices, sleep routine, water amounts, etc.
  • Wealth/money goals may have value events for: responding to emails, talking to clients, sales calls, reading or listening to learning materials.

Assign the hourly rate (yes, it’s going to be in the hundreds or even thousands $$) and a flat rate for each event: listen to yourself on determining what is an hourly event and what will stay at a fixed amount. *Overall the majority of records should be hourly to help you gain more awareness on the time spent on your goals.

  • Health Goals may get an hour rate for exercise and a fixed amount for healthy food choices or reaching your nightly sleeping target
  • Money goals may get an hourly rate for working on projects and perhaps a flat rate for each sales call

Bonus Events

When something is super hard to do or scary but brings you a significant step closer to your goals, these events are paid 2- 3 times the usual amount. Example: Making cold calls, going for a run, doing a project you want to avoid.

The Math

Using the Mental Bank Way vs The Inner Bank Way

The difference is that the Mental Bank has you calculating annually to determine hourly rates, while the Inner Bank calculates monthly. The reason I created the Inner Bank is to give you more instant feedback on achieving your goals.

  1. Take your goal amount and multiply it by 4 to get Inner Bank target
    • Example – Goal: $10,000 x 4 = $40,000
  2. Divide that number by 720 to get hourly, monthly wage
    • This is calculated around the clock
    • Example – $40,000 / 720 = $55/hr, I prefer to round it
  3. Double or triple hourly wage for bonus events
    • Example – $55/hr x 2 = $110/hr
  4. Determine varying amount for flat rate events
    • Example – $500 for attending a workshop
    • Example – $100 for getting 8+ hours of sleep

Now if you’re ready to go big!

Example: $1,000,000 x 4 = $4,000,000

$4,000,000 / 720 = $5,555/hr

$5,555/hr x 2 = $11,111/hr bonus rate 

Step 3: Create Your Inner Bank Notebook

Binder Supplies

  • Three Ring Binder, Hole Punch, Folder, Divider, Calculator

I find it a lot easier to have a 3-ring binder for my Inner Bank and hole punch my printed templates. The dividers separate your daily ledger and your other sections. A folder is handy to keep you organized. Make sure you have a calculator or use the function on a phone or computer.

Buy Supplies from Amazon

Paying Yourself

I write real checks to myself and put them on the wall for a powerful visual. I highly recommend using specific checks for this exercise; for $20 I ordered a separate box of real checks just for mental banking paychecks. It’s an amazing feeling KNOWING I will cash them soon!

*Free Download* Printable Blank Checks

Notebook Pages

*Free Download* Printable Inner Bank Ledger

Helpful Pages Lauren Created

  • Inner Bank Contract
  • Inner Bank Ledger
  • The Happenings
  • Value Events
  • Cashflow Sheet
  • Investments

For Best “Inner Bank” Results,
Join Our Accountability Group
& Receive Your Templates FREE!

Step 4: Inner Bank Routine


Daily Practice

  1. Log each event and record the rate and time
    • Example: Health Goal – Drinking Water $20/Bottle flat rate, 6x
    • Example: Relationship Goal – Go on Date $400/hr rate, 90 minutes
    • Example: Money Goal – Cold Calls $800/hr bonus rate, 45 minutes
      _
  2. Calculate all events at the same time using a calculator
    • Example: Health Goal – Drinking Water $20/Bottle flat rate, 6 times = $20 x 6 bottles = $120
    • Example: Relationship Goal – Date $400/hr rate, 90 minutes = 90 min / 60 min = 1.5hrs x $400 = $600
    • Example: Money Goal – Cold calls $800/hr Bonus rate, 45 minutes = 15 min / 60 min = .25hrs x $800 = $200
      _
  3. Total the Day and Add to Your Mental Bank Balance
    • Example: Cold Calls $200  + Date $600 + Water $120 = $920 for the day!
    • $920 for the day + previous Mental Bank balance equals your new current balance
      _
  4. Pay Yourself and Deposit into Mental Bank
    • Journal and write out the following script each day, “Today,(write-the-date), I am so happy and grateful receiving $##,### $(write-out-the-full-number-in-cursive) making my new mental  bank balance $#,###,### $(write-out-the-full-number-in-cursive) “
    • Example: Today, January 1st, 2017 I am so happy and grateful receiving $5,327.12 five thousand three hundred twenty seven dollars and twelves cents making my new mental bank balance $612,973.42 six hundred twelve thousand nine hundred seventy three dollars and forty two cents
    • Your daily pay is just written out on the ledger and issue an official paycheck for the weekly total
      _
  5. Record Happenings from the Day!  This is your chance to reflect on opportunities you’ve been given each day to move closer to your ultimate goals. You’ll start to recognize the daily occurrences of abundance. As you look for them,  they’ll become more numerous and greater. Because what you give attention to, grows.

Weekly Payout

  • Calculate the total of each day during the week and write a check for that amount! Writing that check makes it real.  Seeing those numbers next to your name makes a powerful statement. You are wealthy, you are worthy.  You deserve that abundance of money.  

Advanced

  • Cashflow Worksheet
    Allocation.
    (Add Screenshot of what amounts of money get allocated and where they will be.)
  • Update investments

 

Step 5: Experience Your Dream

Acknowledge and give gratitude for the abundance
manifesting in your experience!

Your mind must wrap itself around this idea of seeing abundance all around you, regardless of what your circumstances may be. When you start to SEE abundance in your everyday life, you’re given more. So acknowledge and give gratitude for each and every one of those blessings! More comes to you, and more and more and more. That’s where you experience your dream and build the life you’re truly meant to live.

 

Deliberate Creation

It’s been a really insightful time the past few weeks. I’ve been making some big moves toward my goals. I’m moving into a wonderful new house that holds the vision of the life I choose to create on Kauai. I’m building my next business which is Aloha Bunkhouse Kauai in the downstairs studio of my new home. It’s exciting seeing the pieces come together perfectly. 

First I dream build what I want and really why I want it. Then I strengthen that belief by doing things toward my goal since I KNOW I’m going to receive it. (It’s quite interesting actually writing this out.)

Why do I get everything I go after? I always have. It’s my belief that I always get what I want. However that self-belief previously gave me a negative feeling. I get everything I want so “How selfish I was, shouldn’t I put others before me, what would so and so think” were predominant thoughts in my mind. I so I would get what I wanted and feel rotten. I almost wished I didn’t get what I wanted. Nothing I accomplished truly fulfilled some part of myself I couldn’t even identy. 

And then it happened. I became aware of two important things.

I can control my feelings. I can control my thoughts. 

The biggest imphasis is on the “ability to control” that energy. That is what consciousness is and with that comes the power of the human being. The consciousness is energy and all energy is something. When a human focuses the energy of their mind on something, that energy literally controls the environment and their entire experience will change. Now the key factor is if the energy positive or negative. Positive thoughts are things and will create a positive ripple and negative thoughts create more negative. Like unto like. 

I choose to think positive thoughts and have positive emotions and this creates a positive experience which can only yield positive results. I’ve spent the past 2 years discovering this knowledge and then experiencing it in my life. Knowledge with experience results in understanding. Now that I understand these laws better I use them to get the results I choose. I choose my thoughts, how I feel and then I get positive results in my life. 

Deliberate Creation

It’s been a really insightful time the past few weeks. I’ve been making some big moves toward my goals. First I dream build what I want and really why I want it. Then I strengthen that belief by doing things toward my goal since I KNOW I’m going to receive it. (It’s quite interesting actually writing this out.)

Why do I get everything I go after? I always have. It’s my belief that I always get what I want. However that self-belief previously gave me a negative feeling. I get everything I want so “How selfish I was, shouldn’t I put others before me, what would so and so think” were predominant thoughts in my mind. I so I would get what I wanted and feel rotten. I almost wished I didn’t get what I wanted. Nothing I accomplished truly fulfilled some part of myself I couldn’t even identy. 

And then it happened. I became aware of two important things.

I can control my feelings. I can control my thoughts. 

The biggest imphasis is on the “ability to control” that energy. That is what consciousness is and with that comes the power of the human being. The consciousness is energy and all energy is something. When a human focuses the energy of their mind on something, that energy literally controls the environment and their entire experience will change. Now the key factor is if the energy positive or negative. Positive thoughts are things and will create a positive ripple and negative thoughts create more negative. Like unto like. 

I choose to think positive thoughts and have positive emotions and this creates a positive experience which can only yield positive results. I’ve spent 2 years agos discovering this knowledge and then experiencing it in my life. Knowledge with experience results in understanding. Now that I understand these laws better I use them to get the results I choose. I choose my thoughts, how I feel and then I get positive results in my life. 

How I Created Free Rent + $313 extra in February 

I am so excited to share my latest win! I’m working towards my goal of being a financially free millionaire by my 30th birthday. That means I will exceed $83,333 in passive income by August 14, 2017. I am so excited about the person I’m becoming on my financial freedom journey to reach that goal.

I’ve learned a lot about myself in the past 2 years. It started with a mentor instructing me to watch Bob Proctor’s “You Were Born Rich” video series. Bob Proctor is a “master thinker” and teaches you how to use your mind to create the results you want in your life. I watched the 12 hour video series that was filmed back in the 80’s, before I was even born! Looking back I realize that was the start of me truly becoming happy and living the life of my dreams. 

I created all vision I wanted for my life back in high school after attending a Jim Rohn seminar. I have been drawing my amazing dream house and had 4 goals. 

1. First business by 20

2. Kids by 25

3. Financially free millionaire by 30

4. Fully retired by 40

I reached the first two goals exactly on target. I love my kids and being an entrepreneur. I felt my life was ahead of the curve and exactly where I wanted it to be. My first company did children’s entertainment with live animals such as petting zoos, reptile shows and bird shows. I loved combining my passions of kids and animals in that business, owning all the pets I had always desired! After 6 successful years, I sold that company and chose to move to Hawaii. Why?

I reached my goals and had what I said I wanted, but I didn’t feel happy. What was happiness to me? When was I truly happy? Why did I still feel like there was something was missing? I had no idea why the feeling, my beingness, wasn’t happy. Why work hard on my next goals of becoming a millionaire if I wasn’t going to truly enjoy it?! So I set the intention of BEING happy which lead me to drop everything and move to Hawaii. 

Last year, 2015, was a huge shift. I went from being a full time mom of 3 and a self-employeed workaholic to experiencing the 4 hour work week lifestyle while living in Hawaii and traveling. I learned more about myself this year and found the feeling I was looking for – I love ME! The more discovered and developed a relationship with myself, the happier I became. I starting trusting myself to make decisions based on how I felt and be people focused, rather than relying on my reasoning and be money focused.

The challenge was and remains getting my head to let my heart take over. My heart found its bliss sleeping in my little tent for 7 weeks on the beaches of Kauai. I had tons of business ideas however no motivation to build them. I had just done that for 6 years and it didn’t grant me the financial freedom I was seeking. How can I keep my newfound happiness and become a financially free millionaire? One of my favorite books Rich Dad Poor Dad shares, “The richest people build networks, everyone else just looks for a job.” 

Networks, huh? People skills had always been a difficult subject for me. “Lauren always has a hard time making friends” and “Lauren is sensitive and doesn’t get along well with others” were self-beliefs reinforced by evidence since childhood. They had also showed up in my previous company by me not relating well to my employees, having a reputation for being cold and being a reclusive, workaholic. The more I worked on myself through personal development, the faster I started to see new, different results in my life. A huge “ah ha” moment for me resulted after a weekend in the PSI Basic seminar and realized “I like people!” This was such a surprising self-discovery and has completely shifted my paradigm. In the year and a half since that discovery, my life is dramatically different and very social. 

Being people focused and building relationships has been instrumental in developing the next phase of my life and exactly how I created my latest business, being a room rental manager for homeowners. This whole business started just having a conversation. Now I’ve been managing 7 rooms on Honolulu remotely for almost a year. This has been a true win/win to be able to work from anywhere, including the beaches of Kauai. 

I set the intention of moving to Kauai by the end of 2015. I manifested the perfect place and moved in exactly on target. Bringing my happy beingness to my new situation, I shared with my landlord how I manage the listings in Honolulu. The next day he asked if I could do the same with his place while he traveled – of course, I’d love to! I seized this opportunity and ran with it. 

In one month I grossed $1757 on that room! I happily paid the owner and shared a % of the profits with him. And I generated enough so I paid myself for the work I did and made a good profit. I created free rent and have an extra $313.50!! Woo hoo! All that from building relationships and developing a solid belief in awesome self. 

Getting Ready to Get Ready?

After hearing that statement “Getting Ready to Get Ready?
I came to two [hard] “ah ha”‘s about myself:

1.  Getting ready keeps me from my goals. Too much planning is one way I’m operating from my head instead of my heart (where I am consciously striving to operate from). Too much time and energy is spent going through my discovery process (operating from my head). I am actually in avoidance because I’m unwilling to surrender how the intention may manifest. This hinders the goals I intended to reach.

2. Am I really ready for what I’ve asked for? When am experiencing this intention? Before this “ah ha” I kept recalling the past which meant I wasn’t really ready for a new story. So my experience stayed the same yet limiting beliefs were formed because of my past story.  I am ready to choose to live my new story now!

 

I clearly remember when I first heard that statement
because since those big “ah ha” moments my experience
has transformed rapidly!

 

 

On January 31, 2015 I will get to see if I achieved the four biggest SMART goals of my life!

 

I’ve set intentions however not using SMART goals.

 

I am surrendering to how the goals will be met.

 

And it terrifies me!

 

 

My Beliefs

I am feeling so amazing and really being me. I’m in alignment aka not in resistance.

Right now I am really enjoying connections and “surrendering to love in my life now!” I’m being my contract!!

I love surrendering now and am consciously doing it. I am really looking forward to being unconsciously competent in so many ways.

Consciously removing saying “B@T, C@N’T, C@NN@T and TR@” from my vocabulary. This is really awesome because it’s teaching me about how to change a habit! It’s simple when I know how to change it.

1. First I choose to want outcome. Do I want the outcome? How do I feel? If I feel good then my outcome is in alignment with me.

2. Then I set an intention. I am choosing intentions over goals. This works really well for me. (KT references 3 ways – specific, general, feeling.

3. Now it’s the best part…I enjoy the manifestation and being present!

This is what works for me. I love figuring this out. Every step of this journey is awesome.

Reflecting I see my programs (or beliefs) have a lot of energy around time. [I’m unclear why right now.] Time beliefs put on myself show up in my life in a number of ways.

What doesn’t work for me is rushing because it hits a number of time beliefs I’m consciously choosing to change.

I choose to change or manifest an outcome by feelings. It’s amazing and possible. I connect most with feeling and being present is the way it works best! I’m still consciously changing my beliefs about time it is to challenging to keep it.

Today’s the Day!

You know how sometimes you can just feel it, you know it’s coming…you’re looking at the wave and can see it come crashing down. But this is not any wave. It’s a tidal wave.

I really like KT and I have heard his “Christmas is tomorrow!” gleefully singing in my head so many times. I get it. I really do. My belief is a 10 and my desire is a 10 – 100% is the formula. The “sweet spot” as he says.

Just recording my thoughts here tonight. I am about the streamline the focus of this exact domain to specifically document the passive income and actually apply the way in CashFlow. And share at meetings my progress. Go to a different one every night lol – but not me. Tom…Ray even …but Tim? Ken yes.

Share my story of actually getting out fast using system. Sell? Lol. REIs too. Boring!!!

Steve is gunna be a realy cool asset. Maybe take over webinars? Solo. Gil under STEVE!!!! Maybe? That’d be interesting

Anywoo…I like that word anywoo by the way. I don’t like being corrected but why? Hmm. Am I wrong for sticking up for it or is it wrong to discourage me several times when I say I like it bc it’s my thing bc it’s fun to say….?

Anywoo! I am rambling…don’t I always? I just need to get all
These thoughts out. Whew. 🙂

Oh wow!! Freaking full circle!

My title! Why did I pick it? Bc I’m going crazy and need to be admitted lol? Not a chance! Just I always need to figure it out before I can develop a strong belief. And if I don’t have a belief why would I have any desire?!

So today (as I’m sure) is the day! Lyoness is in the sweet spot and I’m running! I have my spark and I’m super excited to put it all in motion!

Everything I’ve been working on for a year has been a needed experience to get to this point. I have made mistakes I guess? I honestly 100% never thought of looking it any of this as anything but an exciting step in my journey.

My spark is here ablazing, the pieces are drifting and now this Momma Duck is moving! (My Nana loved ducks more than any other animal…) Anywoo when the duck moves it’s only the decisions with actions that move mountains…or the amazing video of the duck crossing the freeway with all her ducklings!!

Fighting sleep Today is just different.

– Two work weeks til PSI-7
– Wednesdays big evening meeting
– New joint ventures are about to get going
– 4 Hour Body and Kangen put into higher gear lost 3.7 Monday-Friday. Curious to see after awesome day yesterday!
– Personal MasterMinder

…and the biggest thing that makes today the day…(I asked) but my mom actually believes a small degree. Believes in me. She just had the realization she (I forgot if she said can/could/will)be getting a house in Port Townsend, WA.

Her belief and all of ours is stemmed from imagination then visualization then realization.

Speaking if visualization, I’m visualizing sleep! Night!

Let the Real Financial Freedom Journey Begin!

Financial Freedom to use Robert Kiyosaki’s definition is to have your passive income exceed your expenses.

An important point here to note is that it’s your current lifestyle’s expenses. So that means financial freedom is not equal wealth. It equals time freedom. With your newfound time you can choose to develop wealth.

My financial freedom journey is just that. It’s mine. I’m customizing it to my likes and needs.

My goal is $5000 a month passive income by December 31st, 2014. It always has been. That’s my “get out of the rat race 1x” number. It not even the actual figure, just the one I have. I know!

I’m open to what the forms of passive income are. But I know which one I’m heading to first!

Here’s a cool thing…every day in September I have RECEIVED money unexpectedly. Completely.

Sept 1st – Referral Commission
Sept 2nd – Mailbox Money
Sept 3rd – Bonus Cashback

I am almost surprised but that’s the coolest part. I’m NOT surprised!! I am consciously [LOA] good and that’s exactly what I’m getting. I’m expecting exactly the feeling I ordered. Thank you, KT! “Christmas is tomorrow!”

I can hardly wait to write about all the lessons and manifestations I had this weekend. I’m too busy living in the present and feeling good I just can’t stop!! Yes, that’s exactly my problem. Feeling happy is so incredibly addicting I can pause it!! It’s been so repressed it’s now running wild!

So…I’m about ready to get down to this financial freedom business I’m just connecting with myself first. This whole past year has been the most transformational. I’m excited where it’s going and expecting the best!