Many women have VERY flexible standards which leads to them date subpar men and to stay in subpar jobs. Your standards are no more than the criteria that you use to determine whether a person or a situation fits into your desired life.  Women often claim that they want to make more money or they want better relationships, yet they refuse to terminate the subpar.

Subpar is defined as “Not measuring up to traditional standards of performance, value, or production.”  Simply replace the word “traditional” with “my” and you have a personalized term. 

Low Standards Lead to Your Needs Not Being Met.

When your standards are low you accept virtually everything and everybody into your realm. You don’t assess whether or not a job, or a relationship is actually good for you—you’re just glad that it’s there.  It’s like the woman who claims that she want to be in a monogamous relationship with a financially stable man that will lead to marriage. This same woman however is dating married men, men who are unemployed and/or men who are openly disdainful of commitment. In the course of these  subpar relationships none of her relationship needs or wants are being met.  

The woman does want a more fulfilling relationship but she consistently settles for far less.  She could doubt her ability to be in a successful relationship with a monogamous, marriage-minded man. This woman may also be unwilling to make the emotional and lifestyle changes that it would take to attract the man she desires.  Standards are important for creating the relationship that you want as well as the income that you desire.  

What is your income standard?

Unsure?  Your income standard should be the amount of money that you need to earn to comfortably meet your monthly expenses AND save for the future.  After you’ve figured out your income standard, compare it to your current salary.  How big is the gap between your income standard and your actual pay?  After you’ve done the math, it’s time to examine WHY you are willingly accepting less money than you need and desire?

There are host of WHY’s women frequently give for underearning, including:

The economy  is bad
I work for a small company
My field doesn’t pay high salaries
I don’t have the training, degree, license…necessary to earn more money

The reality is:

2) They don’t want to commit to the changes that are necessary to increase your income.   If you really don’t want to put in the effort to: change your money mindset; look for a higher paying job; get additional training; move to an area with more employment options; get coaching) you’ll just settle for a life of  financial struggle.

Both reasons center on fear…fear of failure, fear of the unknown, fear of rejection and fear or rejection/criticism….fear.

Awareness always precedes change. 

Starting with your income, be honest with yourself about why you’re willing to go to work everyday,  yet struggle financially.  Are you fearful that you don’t have the ability to do earn more money or are your fearful about the life changes that would be necessary for you earn a higher income.

Once you set standards for your income and more forward to adhere to them, you’ll likely feel compelled to cut loose the other subpar aspects of your life.

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Photo Credit: Ed Yourdon

Years ago “Keepin’ It Real,”  was a phrase that rap artists and diehard rap fans used ad naseum.  By saying this phrase the speaker indicated that he would never forget where he came from—the streets.  Similarly many women are underearners because they believe that it would be disloyal to leave their friends and family behind—financially. These women mistakenly believe that stagnation equals authenicity.

Underearning women are extremely uncomfortable with the idea of making more money than their parents, siblings, friends and spouses.  

In their minds to do so is to abandon their community—to move beyond their station in life. They’re  fearful of being criticized for daring to achieve more than their peers.  They’re afraid that having more money would cause  their long-term relationships to end and then they’d be alone. Rather than face their fears, instead they sabotage their own financial advancement.

Within Hip Hop debates raged about whether artists like  Jay-Z, a multi-millionaire living in a Tribeca penthouse, could remain authentic.  Jay-Z, while never shying away from his hustler origins in the Marcy Houses, nonetheless created an entertainment empire. He also matured as a man.  On his single, On To the Next One  he raps, “Used to rock a throw back [jersey] ballin’ on the corner. Now I rock a tailored suit looking like an owner.”   Moreover he’s appeared on mainstream television such as Charlie Rose  and Oprah and even garnered an invitation to President Obama’s inauguration. 

In comparison, most of the “keep it real” purists are still broke and in the ‘hood. Jay-Z  and other successful people know that authenticity is about embracing your past as you step into your future.  To move from being an underearner to high income earner, you have to use your personal history to ground you as you propel forward.  You have to declare your authenticity as it relates to you, not to your social circle.

When you’re being authentic you’ll know when your salary is too low for your financial well-being and you’ll take actions to make earn more money.

You’ll also be comfortable in your own skin (whatever color and shape it is), knowing that you are worthy of more and better.  When you’re being authentic, you’ll know that everyone is not going to agree with your decisions or your life path. However you’re clear that it’s your journey and your choices to make.  In thinking about authenticity I’m drawn to the definition that I found in the book Style Statement: Life By Your Own Design.  This book was my introduction to Danielle LaPorte, a brillant, unconventional business strategist. In this thought-provoking book the reader’s style preferences are gauged as a way to identify core values, beliefs and desires.  According to Style Statement:

There is no wrong or right way to be yourself.  The basis of authenticity is acceptance.  Authenticity has many interpretations. Sometimes being real means being true to our heritage. Sometimes it means being true in your current circumstances. Most often, authenticity is simply what feels right.  Even if we have repeatedly repressed or neglected the truest aspect of our being…It’s never too late to become the real you.

Some things to ponder…..

Isn’t it possible that a relationship/friendship will end even if you don’t increase your income?

Has being an underearner REALLY made you criticism-proof?

More income gives you the opportunity to expand your social circle. 

 Money won’t change you, your basic character, it simply allows you to express more of who you already are.

P.S. I’d love you to help your audience, women’s organization or your group of friends become financially authentic. Here’s how you can hire me to speak at your event.
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Photo Credit:  ©sammie

For years I wrote about how popular culture impacted people’s expectations of themselves and society.  The more things change the more they stay the same. Whether it’s a famous man’s mistress doing a press junket, the culture of bottle girls (straddling service & prostitution) at VIP clubs or young girls hooking up with old codgers—the recurring cultural theme is that a woman achieves wealth through a man.  Following that advice however is more likely than not to keep a woman broke and/or in a bad relationship.   What’s really needed is more emphasis being placed on women becoming financially independent.

Too many women don’t focus on getting higher paying jobs or shoring up their finances. 

Instead they maintain the idea that a man is going to come along and rescue them financially. Granted some women do meet and marry wealthy men and live happily ever after. I’d also never advocate partnering with a man who wasn’t financially self-sufficient.  My chief point is that rather than staking your financial well-being on a man, a woman would be better served to create her own money.  Then if she meets Mr. Big Bucks it’s all gravy– like Beyonce & Jay-Z . More important, if Mr. Big Bucks turns out to have no other redeeming quality than a large bank roll the woman has the financial means to exit the relationship.

Today I listened to Drake’s single, “Fancy,” on it he shouts-out financially independent women.  Aside from having “their nails done, their hair done & everything big,” according to Drake these women are “homeowners and degree holders.”  Ne-Yo also praised women who had their own on his 2008 single “Miss Independent.” These songs however are the exception, not the rule in mainstream Hip Hop culture. The days of Queen Latifah and All Hail The Queen was short-lived and long ago.  At least in rock and pop from Janis Joplin to Lady Gaga there’s a more robust tradition of independent women’s voices, existing as a counter  to the subservient woman model.  

In the world of R&B and Hip Hop women are rarely the bosses or shot-callers; they’re usually depicted as “riders.” The female rider supports the man in her life by providing good sex and eye candy AND by dealing with his infidelities and general foolishness.  In exchange wifey, as she’s known, lives a lavish lifestyle—that is as long as the wealthy man is pleased with her. When he’s ready to move onto the next woman it’s hasta la vista baby.

Earlier this month rap artist Slim Thug stirred up controversy in a Vibe.com article when he said that White women knew their role in a relationship and that Black women should “bow down” to successful Black men. I must add the Slim didn’t specify his criteria for “successful”–so the thousandnaire may qualify.  Anyway, despite the precariousness of relying on “borrowed money” many women still see a men as a financial plan.

Here’s the take-away….

Love is complex and relationships do end (even if by death). I tell clients who are struggling with the “Prince Charming” syndrome that they can leave a relationship in one of two ways:

1) With a high income and assets that allows them the time and space to grieve, reflect & rebuild…OR  
2) With no or a low income and no savings/ investments resulting in severe financial insecurity and the high levels of stress and no means to protect your legal rights.

I’m raising my glass to the women who are already shot callers in their lives and to the women ready to take the step toward becoming Ms. Financially Independent.

I’d love you help your audience, women’s organization or your group of friends become financially independent. Here’s how you can hire me to speak at your event.

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Photo Credit: Banana Wacks

As a former underearner I can attest that many underpaid women are well-educated, intelligent, and extremely competent. The problem is that an underearner’s pay is not commensurate with her talents or with her financial needs.  I was far from destitute however I wasn’t consistently making the money that I needed to create financial stability.  In truth, underearning serves to foster some core belief that a woman holds; I was no different. 

Although women say that they want to stop underearning they continue to underearn because in some way it serves them.

I had the fundamental belief that I couldn’t make a lot of money AND maintain my freedom.  I didn’t see the point of having a larger salary if I wouldn’t have time to spend it (I had friends who were basically living in their offices because they were clocking 80 hour weeks).  After my last corporate gig ended I started a not-for-profit organization, gave lectures, consulted and wrote for publications. Financially it was a feast or famine cycle:  Big checks for some projects; followed by some smaller checks; then the money dried up—until the next big project. 

I had a very good life and I could pay my bills—so change wasn’t a priority until I became a mother.  To me, being  a responsible mother meant that financially I had to be able to manage my household alone.  Unfortunately I had seen several close friends go into a financial free-fall when their husbands lost their jobs or divorced them—I didn’t want to follow suit.  The first step to any new behavior is awareness.  Once I acknowledged my belief that money and freedom were mutually exclusive, I was able to reprogram my thinking.

5 Common Motivations Behind Underearning:

1. To Stay in Your Comfort Zone:  An underearner sticks with a familiar (underpaying) job rather than risk the failure or rejection that’s associated with attempting to seek and maintain a higher paying position.

2. Fear of Giving Something Up: High salaried women look at reasonable trade-offs, “Would I be willing to give up X situation to get a higher salary.” In comparison, underearners only think in terms of sacrifice: “I’d have to up X (something extremely valuable to them) for me to earn more money”.  The underearner can’t justify the extra money being worth the sacrifice. 

3. Fear That The Money Would Be Taken Away: Some underearners curtail their income because they’re fearful that they wouldn’t be able to enjoy their additional money in peace. In their minds, if they had more money they’d be pressured to give more  to elderly parents, adult children or ne’re do well siblings.

4. Fear that You Won’t Know How To Handle It:  Many professional women easily handle their personal & household budgets, yet become paralyzed at the prospect of investing. An underearner doesn’t have any extra money to invest  and therefore doesn’t have to address her money management fears.

5.  To Maintain Their “This is My Life” Mindset: Many underearners believe that only “other” people can lead fulfilling and financially prosperous lives. Consequently they see their life and options as extremely limited. If you have trouble seeing greater possibilities for your life, even if your current circumstances are bad, you’ll maintain the status quo. 

Take some time to ask yourself how your life would change if you earned a larger income. Be aware of any resistence that you’re feeling. If there’s any “Mo Money, Mo’ Problems” energy cropping up, try and get clear about the “problems” that additional income would present for you.

Also of Interest:
What’s Keeping You From Earning More Money

How Are High Income Women Different From Underearners

Are You Earning What You Deserve?

A woman needs high self-esteem to live an emotionally and financially rewarding life.  If your self-esteem is low (you usually feel unattractive, dumb, or unworthy)  you’re more likely to accept  any salary and any man that comes your way. If you have poor self-esteem you’ll cling onto a job that underpays you and onto a bad relationship because you believe they are what you deserve .

According to the National Association of Self-Esteem, “Individuals with defensive or low self-esteem… generally lack confidence in themselves, often have doubts about their worth and acceptability, and hence are reluctant to take risks or expose themselves to failure. 

It’s important that every woman strive to be the best, healthiest version of  herself.

It’s normal to have some insecurities, however you can take steps to improve your feelings about yourself and your capabilities. By increasing your self-esteem you’ll set a higher standard for how you allow yourself to be treated by friends & romantic partners.  You’ll also realize that you deserve to earn a salary that give you the ability to comfortably meet your expenses. You will then take steps to raise your income by negotiating with your current employer or by finding a new one.

5 STEPS TO BOOSTING YOUR SELF-ESTEEM AND YOUR INCOME

1.  Make a list of your past successes.  This list doesn’t necessarily have to consist of major achievements like climbing Mt. Kilimanjaro.  It can include your “minor victories” such as learning to cook, graduating from college, receiving an award or promotion, or completing a CPR course.  Read this list often to reinforce that idea that you can succeed. 

2. Associate with positive, supportive people.   Release or severely cut back on people who constantly put you down or your ideas about improving your life.  You want cheerleaders in your corner— people who accept you as-is yet encourage you to grow emotionally, spiritually and financially. 

3. Stop putting yourself down.  You can’t develop high self-esteem if you continue to tell yourself that you’re not shit.  Counter negative thoughts about yourself and your abilities with positive thoughts about who you are and what you’ve done. You can also repeat affirmations to reprogram your thinking. Affirmations are  statements such as “I like and accept myself just the way I am”, “I am somebody, I love myself, I believe in myself”.   When say the affirmation,  allow yourself to REALLY feel the truth and positivity of the statement.

4. Make a list of your positive qualities.  Write down at least 10 of your positive qualities. Are you honest, helpful, caring, resourceful or funny? Review this list often.  Most women dwell on their flaws and shortcomings. Start focusing on your positive traits and you’ll have more confidence to achieve your life and income goals.

5. Set aside at least 15 minutes each day for personal development. Meditate, pray, journal, listen to inspirational music or read a motivational book to set the tone of your day. Setting the intention that your daily interactions and experiences will benefit you  is a powerful, life-changing strategy.

Also of Interest:
How 50 Cents and Self-Worth Are Connected to Underearning

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Photo Credit: Daisy Starr

“Your sense of who you are will determine your actions and what you end up getting in life. If you see your reach as limited, that you are mostly helpless in the face of so many difficulties, that it is best to keep your ambitions low, then you will receive the little that you expect.  Knowing this dynamic, you must train yourself for the opposite—ask for more, aim high and believe that you are destined for something great.  Your sense of self-worth comes from you alone—never the opinions of others.”—From the 5oth Law by 50 Cent & Robert Greene

I was memorized by this quote when I read it in The 50th Law, 50 Cent’s  book about leadership and power.  It got me thinking about why some women are able to seamlessly go from one big income opportunity to another.  In many cases these women don’t even have the requisite credentials for these positions.  On the flip side, there are women who seem to be magnets for low-paying jobs regardless of how many prestigious degrees they possess.  It appears that high income women think differently than underearners.

In comparison to underearners, high income women, regardless of their backgrounds have a greater sense of self worth. 

The golden gals believe that they were entitled to the best that life had to offer: money, lifestyle and relationships.  Consequently they continually expand their sense of identity to achieve increasingly larger money and life goals.  These women are also willing to release the things that aren’t enhancing their lives: projects, jobs and people.  The golden gals see themselves and their lives beyond the expectations and realities of their socio-economic class, age, environment or past experiences.  The lesson dear heart is that…

Self-belief is a critical element to increasing your income and being able to create a meaningful life.

The things that you’ve been able to create or accomplish fit nicely with your concept of self.  These are the things that you imagined doing as a child, that people told you were good at or talents or skills that came naturally to you.  The things that you haven’t been able to achieve, such as earning a higher income, are outside your sense of self.  They aren’t part of how you see yourself. 

The greatest opportunity for your life lies outside of your current identity. It requires you to shift your core beliefs about yourself. 

It means transforming your self-identity from: woman who’s struggling financially because I’m unable to make enough money TO woman who’s thriving financially because I’m able to make a high income.” 

Remember you have everything you need, right now, to begin your tranformation from underearner to high income earner.

Would you be shocked to learn that many women are “underearners.”  It’s estimated that one in three women are not earning what they are worth. It doesn’t matter whether you’re making  $45,000 or $145,000, if your salary consistently doesn’t cover your expenses, it’s likely that you’re an undearner.

Even if you can pay your bills, you’re an underearner if you’re making less than your market potential—meaning you’re underpaid in comparison to people with educational credentials and work experience  similar to yours.

If you are underearning your finances are probably in a precarious state.  You may find it difficult to pay all of your bills on time or you’d be unable to meet your expenses if your spouse died, became ill or left the marriage.

Undearners certainly WANT to make more money but frequently they are unable to significantly increase their incomes.

I’d really like to know………….

How many are you struggling with underearning?

What do you think is your biggest obstacle to increasing your income?

What would make it easier for you to tackle your income obstacle?

Would you be interested in learning how to increase your income with other professional women? 

Please leave your comments below or if you prefer,
Email me at Yvonne@SophisticatedWomanandMama.com or on Twitter at @YvonneBynoe

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Photo credit: Andy Carolan

For several years I ran a not-for-profit organization in Washington, DC. My work focused on increasing the civic participation of young adults of color. During that period I met a lot of women like myself: well educated, earnest, committed to social change and woefully underpaid.

Philanthropy used to be the bastion of the trust fund set who used their subsistence wages to pay for trifles such as cab fare and cocktails. Although more average janes have now entered their ranks, salaries at most not-for-profit organizations haven’t dramatically improved. In far too many instances women who are trying to change the world can barely afford to pay their rent. The world of philanthropy is rife with underearners.

It’s not surprising since many women believe that it’s more important to “do good” than to make money. Consequently, in the not-for profit world, women have become accustomed to low pay.  Moreover they’ve come to believe that being of service and being handsomely compensated are mutually exclusive.  This poverty mentality then permeates not-for-profit organizations since most frequently struggle financially.

Rather than embrace a money mentality and devise plans to generate  income that could be used to expand programs and increase employee salaries, most organizations remain largely dependent on grants and annual fundraising campaigns. This revenue plan is akin to a wife who’s totally reliant on her husband to pay the bills. It’s very good while he’s does it and very bad when he doesn’t.

Anyone who’s ever written a grant proposal or been interrogated,interviewed by a grant committee knows how precarious the grantor/grantee relationship can be.  The annual  initiatives of granting organizations often result in organizations changing the thrust of their programming to win a grant.  In other instances the loss of a large grant could result in a major staff and/or program cuts. More problematic, salaries remain low at these organizations. Most grant writers acknowledge that it’s a sin to include more than a low-end “reasonable” salary in a proposal for staff positions. 

At more than a few not-for-profits, not having a money mentality also means that administrative concerns are handled ad hoc.  In 2004 the venerable Dance Theater of Harlem was on the verge of having to disband its troupe and close it’s school because of a 2.5 million dollar short-fall.  In the 35 years of its existence, only in the face of bankruptcy was it hiring an executive director to oversee the business and financial issues.

Women could do even more good in the world if they made making money a priority.  However change agents would first have to deal with their own money fears and money biases in order to bring new financial ideas and cash to their organizations. 

I have a presentation How Artists and Change Agents Can Do More Good By Embracing a Money Mentality that talks directly to artists and change agents about why they money provides them with important power and leverage that can be used to advance their causes.  I’d love to talk to your organization or private group about how to do more good, by getting more money!

Recently Vanity Fair magazine ran an article Desperately Seeking Sugar Daddies Culture” about a young woman who signs up with a dating site that matches women with older, wealthy men aka sugar daddies. The woman is tired of the grind of her job. She aspires to be a freelance writer (financially precarious employment) and wants a “benefactor” to support her Sex and the City ambitions. As the writer straddles the line between dating and prostitution it becomes clear to the reader the high price that women pay for not being financially independent.

The writer quickly finds out that the sugar daddies are not interested in marriage or in giving cash. For these older men, a young woman ’s youth and good looks are her only trading chips. It actually enhances the older man’s cache to have a young, well dressed woman on his arm. Unfortunately the endless supply of young, attractive women means that women don’t have much leverage with wealthy men—particularly those not inclined to marry.  At the end of a young woman’s run with sugar daddies, she’ll be slightly older (less desirable) with only some outdated, designer clothing, a few pieces of David Yurman jewelry and some passport stamps to hold onto— no real estate, no stocks, no bonds, not even a car. She’ll have no assets which is no bueno.

Before you scoff—there’s nothing inherently wrong with wanting a financially successful man. It’s nice to have someone who can buy you nice gifts and whisk you off for romantic weekends. There however is a downside. Problem A arises when your entire way of life is dependent on someone else’s largesse. You can’t be yourself because you need to always meet his needs and expectations to keep his coffers open. Which leads to Problem B. What do you do when for whatever reason the sugar daddy ends the relationship? In this sugar daddy culture you’re over the hill at 25 yeas old.

There’s no financial certainty even if you marry a wealthy man. For every Elin Woods who stands to reap a billion dollar divorce pay-out there are millions more women like Danielle from The Real Housewives of New Jersey who are in financial limbo (along with her kids) because her ex-husband is withholding money and she has no job.

It’s important that women have a money mentality–meaning that their salaries are more than sufficient to pay for their needs and their wants. If you’re an underearner, a woman who consistently makes less money than is beneficial your first task is to acknowledge that you are in financial peril. Your first task should be to work on the creating a mindset and habits that will support you increasing your income–not outsourcing that to someone else. If you meet Mr. Big then you’re not coming to the table like a beggar, but as a woman of means.

Most women would love to earn more money, however they consistently get paid less than their desired salaries. People who voluntarily make less than their market potential are called “underearners.”  If you’re an underearner, unless you have a trust fund, it’s nearly impossibly for you to be financial self-sufficient.  The foundation of financial self-sufficiency is that your income meets your financial needs and goals.

 This doesn’t mean that you must earn poverty-level wages to be underpaid. You could be making a fairly decent salary and still be an underearner.  According to Barbara Stanny, author of Secrets of Six Figure Women, “What distinguishes and underearner is that she could bring in more, and geniunely wants to, but, for whatever reason, she doesn’t.” 

Stanny says that nearly every woman can overcome underearning, “Admittedly there a number of careers, say kindergarten teacher or Christian missionary, where you are not going to make six figures or anywhere close to it, no matter how hard you try.  Still, I found enough highly paid women who were once in low-paying jobs or worked in fields that aren’t normally high-paying to know this: We may not all make six figures, but there’s no reason why any ordinary woman can’t be making an above average salary if that’s what she wants.”

So what stops undearners from bringing in more cash?  In a word fear.  Many underpaid women are fearful that they don’t have the experience, education or skills to make more money.  Others are afraid that if they become financially successful their relationships with their husbands, boyfriends, friends or relatives will be changed— for the worse.  Lastly, some women, to put it bluntly, are afraid of hard work; they are comfortable with their jobs, despite being underpaid.  

Jerrold Mundis, the author of the book, Earn What You Deserve defines underearning as: “to repeatedly gain less income than you need, or than would be beneficial, usually for no apparent reacon and despite your desire to do otherwise.  According to Mundis, “Underearning grinds down our spirit and hopes.” He goes on to say that, “It exhausts us. It sucks the joy and pleasure out of our days. We come to live in fear that we’re going to run out of money, that we don’t have enough for the rent, the mortgage, our own tuition, or our children’s; that we’ll be caught in a squeeze, hauled into court, end up a bag lady.”

It’s easy to see the emotional toll that being an underearner can take on a woman.  If your salary is not sufficient to cover your basic household expenses it’s easy to see how bills and getting money become your primary concern.  Women, particularly those with children, have married or stayed in bad relationships (even abusive ones) because financially they weren’t able to care for themselves and their children.

Here are nine traits of women who are chronic underearners. See how many resonate with you.

1. Underearners have learned to tolerate low pay
Underearners frequently don’t envision themselves making a better salary or equate a high income with a lack of “freedom.”                                                                                                                                                                                  

2. Underearners undervalue their worth in the marketplace
In studies women consistently ”paid” themselves less than equally qualified men for completion of the same tasks .

3. Underearners give away too much. 
Underearners consistently give provide services, information or time for free.

4. Underearners are poor negoitators 
Underearners are frequently afraid to ask for a pay raise or to raise their fees.

5. Underearners show a disdain for money 
Underearners frequently attach negative connotations to money and to people who have it.

6. Underearners think that it’s more spiritual to be poor 
The sentiment of underearners is that ”It’s easier for a camel to go through the eye of a needle than for a rich man to go to heaven.”  This notion negates the good deeds that money could be used for accomplish.

7. Underearner sabotage themselves 
Underearners haven’t resolved their limiting beliefs about money, so they set up road blocks that prevent them from making more. Common themes are: job hopping, not completing projects, problems with co-workers, and procrastination.

8. Underearners put their needs last 
Underearners frequently sacrifice their personal happiness and financial security to meet someone else’s needs (e.g. spouse, child, employer).

9. Underearners finances are disarray. 
Women underearners are likely to be in debt; have meager savings; few, if any investments; and only a vague sense of theire actual monthly spending.

Financial self-sufficiency coaching is a way to address your underearning in a safe, supportive situation
As a way to introduce women to self-sufficiency coaching, I am running the ”Unlocking Your Cashflow” contest.  Three winners will receive an hour long session with me. In our session I’ll help you to determine yor three (3) biggest “money blocks,” those beliefs or habits that are obstacles to you having more cash. I’ll then give you a personalized ”financial readiness” plan to get you on the road to self-sufficiency.  Clink on this link to enter the “Unlocking Your Cashflow” contest.   The deadline for entering is Friday, February 26, 2010 at 5pm (EST)

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Photo Credit: Seattle Municipal Archives