One Simple Daily Action That’ll Change Your Relationship With Money Forever!

Hey gorgeous,

I’ve got some BIG, soul-searching kinda questions for you today.

Do you feel like you never have enough money?

Do you have no idea how much you make (or spend)?

At the end of the month do you wonder why you’ve not hit your financial goals, again?

Answering these can feel pretty bleak, but fear not, I’ve actually got some great news for you!

There’s a very simple (not scary) daily habit that has completely changed my relationship with money. Not just mine, but loads of entrepreneurs in my Money Bootcamp community. Almost every day, a post pops up in our Facebook group that says, “Denise, I didn’t believe you, but I did it and HOLY CRAP, you’re right!”

I usually answer, “YES, I’m a VIRGO. We’re ALWAYS RIGHT”. 

So (drumroll) what’s the one daily habit?

Are you ready?

The life changing habit is….

Tracking your money – and I literally mean EVERY PENNY that comes into your life.

Wait – where are you going? Don’t switch off…. don’t walk away!

I can hear you saying…

Oh crap, THAT? I tried it and it didn’t work for me.

Tracking is BORINGGGGGGGGG! 

I hate accounting! 

I have people who do that for me Denise!

Wait – HOLD UP.

This isn’t about doing more accounting. You should totally outsource that stuff so you can focus on making money. You don’t want to be organizing it. That’s for someone else to sort out.

Daily Tracking is an altogether different process. It’s about MINDFULLY tracking what comes into your life. Accounting is based on facts, while money tracking, in the manifesting sense, is focused on gratitude, awareness and increased abundance.

Even if you’ve tried it before – try it again. Try it every day for a month and then let me know. I’ll get my smug face ready!

How does tracking your money change your abundance mindset?

Humans are great at making up BS stories. We tend to make up stories about our ability, and most of all, our deservedness, to earn more money.

You might be telling yourself money stories like:

I’m broke. There’s literally NO money coming in. 

Nobody is buying my stuff. I guess I’m not cut out for being in business.

The Universe doesn’t like me. I’m not lucky like Denise… 

Tracking your money every day keeps you mindful of what’s actually going on in your life, helps you appreciate the abundance around you, and sometimes gets your butt into gear to make more money.

Best of all – it stops you feeling bad about money, and making up stories about your ability to earn money.

How to Track Your Money to Boost Your Money Mindset

When you track your income (using the tried and tested formula that I practice every single day), you will notice increased awareness around your finances and more positive behavior. Plus, the way I do it enhances one of the most powerful emotions for manifesting – GRATITUDE.

And when you feel good about your money, you generally start attracting MORE of it. Have you noticed that it often works in reverse too? When you feel shitty about your money, you sometimes manifest “unexpected” bills, fines and debts.

In my experience, you start tracking and then suddenly you’re finding money EVERYWHERE.

How? Why? Is it magic?

No – it’s like anything; when you train your brain to look for it, there it is. Like when you fall in love with a particular car and then you see them everywhere. It’s selection bias – a well-researched phenomenon. Make it work in your favor by training your brain to look for opportunities to find and make money!

How do I track money?

There are some subtleties in my approach that you might not have used before. In my Money Bootcamp and in my books, I talk about tracking two different things (don’t worry, I have some resources for you at the end of this post to make it super easy).

1) Track cash – ALL OF IT

In your normal accounting processes, you would track your business and personal income separately. However, when it comes to tracking money for manifesting purposes, you combine them.

Why?

Many entrepreneurs have actually already hit their financial goals without even realizing it. Yes, it might have come from different sources than you wanted it to, but money is still money. You’re getting pissed at the Universe for not helping you and the Universe is going, “Dude – you’ve done it”. The Universe doesn’t care about the source.

You might be miscalculating your true abundance by compartmentalizing your money.

Have you ever thought any of the following?

 

  • It only counts if it’s earned from something I like doing
  • My job income doesn’t count because I really want to be an entrepreneur
  • Mine is only a hobby business; my partner earns the “real” money
  • I didn’t hit my goal so what’s the point?
  • Yeah, I had a good month, but it was a total fluke!
  • That project/client/payment was too easy. I didn’t really “earn” it 
  • If a client gives me cash, it’s not real business income
  • My business income doesn’t count because it’s only a small amount – barely worth counting
  • Paypal money isn’t “real” money
  • But my parents gave me that money – it doesn’t really belong to me!

 

If you’re just counting money from only one source, it’s not a true picture of your full abundance.

I want you to track all income - cash and money. Every coin you find in the street. Every source of job income. Every monetary gift. Interest. Free money. Easy money. Cash money. Paypal money.

Money is money.

You don’t have to be super 100% accurate, this is NOT an accounting exercise. Remember, you won’t be using this for tax purposes. This is for manifesting purposes and I promise, this practice will CHANGE YOUR LIFE.

How often should you track your money?

Do it DAILY. Because it’s easy to get out of the habit and forget.

I actually do mine multiple times a day on my money tracking app or Google doc (I’ll share mine with you at the bottom of this article). It keeps me focused on money making and each time I record my income, I feel excited and grateful.

BTW – I practice the “cash accounting” method where I only track it when I actually receive it in one of my bank accounts (and yes, Paypal is a bank account) or I actually have it in my possession. That way I don’t end up tracking it twice.

What if NO MONEY is coming in?

Well – don’t think that this exercise doesn’t apply to you. First of all – it might be coming in and you’re just not counting it. Or second, you’re feeling broke, instead of focusing on abundance and gratitude.

And we know from the Law of Attraction that you get MORE of what you already have. If you feel broke, it’s hard to get out of that mindset. All of your “reality” tells you the same thing. You might stay in denial, stop opening your bills or feel powerless about your financial situation.

So you act in ways that don’t serve you. You don’t have the forward motion to create positive action.

That doesn’t mean becoming a Pollyanna, but you DO have to do something about your mindset. Because how else are you going to have the energy, motivation and self-belief to manifest more money?

When you go days without tracking ANY money, then you can use it as a wake up call to get into action. Look for easy actions to take: send out invoices, create a sale, send an email to a prospective client, sell something or apply for some part time work, for example.

And remember, tracking your money and working on your mindset is free, so what have you got to lose

This brings me to the second form of tracking, and this is a super fun one.

2) Track anything of “value”

Every time you get something free, track it on your value column. If you can value it, add it.

For example – your friend buys you a coffee. Add the cost of that into your value column. You got an unexpected discount on something you were already buying – add into your value column. You get something for free. Add it to your value column.

Why is tracking “value” so important?

I’ve noticed that a lot of our Bootcamp members are insanely good at manifesting. In fact, lots of entrepreneurs are. They are brilliant at attracting what they need when they need it, usually by the very skin of their teeth, or at the very last minute.

Unfortunately for a lot of entrepreneurs, they don’t manifest actual MONEY.

It’s like a massive block, where the Universe takes care of them, but without the need for money to go through their hands at all.

Now – I used to be exactly like this! I once won half a million dollars worth of free stuff in one year, but I earned hardly any actual money. Read all about my insanely lucky year here. 

When you track your value as well as cash, it serves two purposes:

  • Gratitude

When you’re feeling broke about not having actual cash, you can feel gratitude for the fact that you still are able to create abundance. It makes you feel lucky and taken care of.

  • Reality check

If you’re regularly attracting more value than money, then it’s a huge reality check to shift the focus on your manifesting. Are you spending more time on trying to win competitions or get free stuff, rather than focusing on making actual money in your business?

The reality check was a HUGE one for me. Once I realized that I was a total super star at manifesting, but I didn’t have any actual cash in my bank account, I had to take a good, long, hard look at my actions.

 Are you ready for ACTUAL money?

I used to be the Queen of Free. I’d write restaurants complaint letters so they’d give me free meals. I applied for competitions all the time (and regularly won them!) but I procrastinated on taking actual income-producing action in my business.

I even did a ritual where I said to the Universe, “Dude, I’m a big girl now. Thanks for taking care of me, but I’m ready to make some actual CASH now”.

That was a game-changer for me.

So yeah – I’m not saying don’t take free shit anymore -who doesn’t like free food? I’m just saying that intention and focus is incredibly important.

Plus, I noticed that when I was getting free stuff, I just took what was given, regardless of my own personal preference. After all, it was free and nobody wants to be ungrateful.

“Get what you’re given” was definitely drummed into me at a young age. You?

You know what’s better than free stuff? Having the money to buy the EXACT thing you want.


YOUR QUESTIONS ANSWERED

I want to answer all the questions I get asked on the topic of Daily Money Tracking.

Does interest / dividends count?

If you have received the money then yes, money is money

Does money I find on the street count?

Yes, money is money

Does my partner’s income count?

If your intention is to make more money of your own, then no. If you’re doing this experiment as a couple and you don’t care who is manifesting the money, then count everything you bring in together.

Do loans count as cash?

Only if it’s a gift, not if you have to pay it back.

Do I track expenses as well?

You should totally keep up to date with your expenses, preferably with an online system like Xero or (best of all) get your Bookkeeper to do it. Remember, this isn’t to replace your accounting or bookkeeping process. The purpose of this exercise is for you to increase your awareness of money that comes into your life.

Does bartering count as “value received”?

If it’s a straight swap, then no. But if you received more value than you gave out, add the difference into your value column. By the way, not bartering anymore will CHANGE your life. Trust me on this.

How do I track? Spreadsheet, notebook, app?

There are three different ways that I’ve done my money tracking. Your method is completely up to you and your personal preferences.

Seriously, none of them have to be fancy.

  • Paper tracking

You can literally just use a piece of paper with 31 lines on it, one for each day of the month.

You can use a pen or pencil to put in your totals at the end of the day. This is super easy, although it’s a little harder if you attract a lot of different types of money each day. This was my very first method of tracking, and I found it easy and motivating.

  • Spreadsheet tracking

I like using an online Google Doc that I can access from all my devices. I probably update it several times a day, and just keep adding the figures into the cell, so it adds up the total automatically. I also love being able to see at a glance where I’m at with my daily, monthly and yearly goals.

Resource: Download my money tracking spreadsheet here. 

  • iPhone app tracking

There are already some awesome expenses apps, like You Need a Budget but they don’t really fit the purpose of tracking for manifesting purposes.

Luckily, I’ve created one for you, where you can track income AND value each day, rate how you feel about money and take notes. It also lets you set monthly goals and track how you’re meeting them.

Resource: Download the Lucky B Money Tracker App from the App Store

Use your gut

You really can’t screw this up. Just be consistent. If this was an accounting exercise, there would be an exact process. But it’s not. The intention is more important than doing it perfectly.

If you procrastinate because you’re worried about screwing it up, you’re missing an amazing opportunity to change the way you think, feel and take action on your money.

I can’t wait to see what changes for you!

It’s your time and you’re so ready for the next step,

Denise xx

PS: Come and flex your manifesting muscle alongside a brilliant community in my Money Bootcamp. Seriously, you’ll learn so many cool tools to help you create financial freedom for yourself and your family. Come and join us!

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