The Corey Story

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Archive for the ‘Money’ Category

What does your bank believe in?

Posted by Corey Kaster on March 25, 2010

Sound like a bank you would like to support?

Call Jeff Hurder (503) 445-2157

Posted in Business, LGBT, Money, PABA | Tagged: , , , | Leave a Comment »

The Money Knot – Symptoms vs Causes

Posted by Corey Kaster on January 7, 2010

Your ka-ching newsletter from $ensible Coaching

January 2010

In this issue

Bringing the Ka-ching

Welcome to the January 2010 Money Knot, a newsletter with articles that bring you to the ka-ching.

Lots of things trigger my topics for this newsletter. Frequently, as it is with this month, it’s an article in our local newspaper. A recent headline stated: “Despite aid, borrowers still fall behind” followed by: “About 40% of homeowners who had payments reduced by 20% were late again within a year, a report says”

Frankly, to me, this is not a surprise. This is one of the fundamental places that my work is all about. Fixing the symptoms with money will not make it all better. Fixing only the symptoms mean there are underlying causes to the real problem that aren’t being addressed.

Sure, some people have just had something throw them off track; an illness, losing a job, some one time circumstance. Those folks can recover fairly easily, and a program to consolidate, or clear out their debt can help them get back on track.

But there are many, many more people for whom “getting behind” and amassing debt are a much more chronic and far reaching issue. Far reaching back into their money history, that is. Thoughts, attitudes, emotions, behaviors all contribute to our money results. They frame our actions for good or bad. Many think of these options as “Get Out Of Jail Free” Monopoly cards. The problem is the rate of repeat offenders.

Now don’t misunderstand me. I often suggest to clients that they take advantage of programs to help them get out from under. Even bankruptcy is sometimes a viable option. When you are bleeding all over the ER room, it’s hard to deal with something more subtle like changing your diet and your exercise program. You want a relief and you want one now. What I really want you to do, your long range plan, is to change you think about and use your money. But it’s very hard to focus on that when you are terrified by a looming foreclosure or bewildered by mounting debt.

In order to not go there again, you have to choose to change how you relate to money. You can’t just keep doing the same old patterns over and over, or even harder and harder, and expect the results to be different. And yet that’s what we do, isn’t it? I’ll bet that the people who still fall behind on their mortgage payments even after a payment reduction were all in some way trying to do what they have tried to do before only harder. It’s a natural thing.

We don’t actually like to change. A client recently asked me “Can we really by-pass learning a lesson the hard way, if we really get it through our spiritual work?” It’s a tricky question. Yes, we can, but we have to be willing to change, and it all depends on belief. If you can change your thinking without having to go through the pain, that’s great! But how many people can do that? It’s often pain that pushes us out of our comfort zone and into change. We have options of course. We can stay with our habits and keep creating the same kinds of circumstances. We can “hit bottom” and be pushed and shoved into change. Or, we can choose to change when we get the early signals, those intuitive hits, long before it gets really hard to change.

I’d like to suggest you opt for the last choice. The hard parts get bigger and harder when you don’t. And if you don’t choose to change earlier in the process, instead of simply having to learn new ways to think about and relate to money, you have to learn those news ways while dealing with major issues.

So, by all means, reduce the load, the tension and the pressure. But don’t stop there. Once you have a little breathing room use that space to change your choices. Learn about how you think about money, where those habits came from. Reframe your thinking. Become conscious of your money choices. Change the causative parts of your money issues, not just the symptoms.

And the point is, do something about this breaking the patterns. There are resources to assist you. Since this is what I do, I have a bunch of them available, including this month’s teleclass, which is a great place to start reframing money thinking. And there are books, other money/financial coaches and professionals, as well as your own ingenuity.

Please, just try something different. It’s probably the one thing you haven’t tried, and it will produce different results. Until you do that you’ll just be treating the symptoms over and over, and never correcting the underlying causes.

Upcoming Teleclass:

Toward the end of last year, lots of people were asking me about how to figure out their “budgets”. Yes, that challenging word came up again and again. Let’s start the New Year off by looking at how you actually spend your money.

Teleclass: Budget Without a Budget

$ Do you ever find yourself at the end of the month with no money left?

$ Do you struggle with how to change your spending habits?

$ Do you find the very idea of budgeting to be uncomfortable and confusing?

$ Do the ideas of record keeping and analyzing numbers just make you want to run?

A budget is the typical solution to spending problems, and yet budgets don’t always work. If they haven’t worked for you, come explore how to do it differently, without number crunching. Budgeting can be and should be about spending your money in ways that support your financial plan. We’ll simplify the ideas behind creating a budget. We’ll turn all this number crunching into some identifiable and embraceable concepts, and help you make an actual simple plan. We’ll be looking more specifically at how you spend your money as you are spending it. What part of your money goes where? How do you make those choices now? What might be a better way?

Date: Wednesday, January 27th

Time: 10:15 a.m. to 11:15 a.m. Pacific (1:15 p.m. to 2:15 p.m. Eastern)

Registration: www.sensiblecoaching.com

Fee: FREE your only cost for this call is your regular long distance call charges.

__________________________________________________

The Money Knot Story:

In case you are wondering why this is called The Money Knot, here’s the story. I’ve always been fond of Celtic knots, and you notice I use one as my logo. From my perspective, there are several things about these knots that relate to our money journey. One, you can see the whole knot; nothing is hidden, it’s all revealed. Two, the knot has no beginning and no end; it’s an ongoing, dynamic process. Three, the knot that I have chosen is a bit askew; our maneuvering is often out of the box.

Our money lives are like this knot. They are a visible maze that is intricate and sometimes challenging. Sometimes we get stuck in a corner; sometimes money is confusing, embarrassing or even scary. And yet the knot is always there. It’s a never ending relationship.

Together we go into your knot, and I help you to understand and maneuver through the knot. You will get familiar with the territory, know your way around, understand the twists and turns. Together we will make sense of where you are on your own personal money path and help you get to where you want to be.

Quick Links…

______________________________________________________________

$ensible Coaching Home

Coaching With Shell

Shell’s Bio

Happy New Ka-ching in the New Year!

Shell Tain, pcc, cpcc

$ensible Coaching

503.258.1630

shell@sensiblecoaching.com

www.sensiblecoaching.com

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Your ka-ching newsletter from $ensible Coaching – Money’s Wish List

Posted by Corey Kaster on December 11, 2009

Bringing the Ka-ching: Money’s Wish List

December, 2009

I don’t usually do a Money Knot or a teleclass in December because everyone is busy, busy, busy with holidays. And I was going to again take this year’s December off when it struck me. What is that saying to Money? Wouldn’t I be doing what we all do, skip it for the season? Now there’s something to talk about.

So, what do we do with Money over the Holidays? Most of us use it and ignore it at the same time. We spend it with the idea that we will catch up with it in January. Actually it’s more like April, because it takes that long for many people to catch up with, or recover from, their holiday spending.

At the very least it seems we put our money thinking on hold. And yet, what do we expect from Money during December? We expect it to be there. We expect it to stretch to meet our needs and desires. We expect it to magically appear. And we expect it to do all this cheerfully. Hmmm.

Remember that thing about how we are going to be in relationship with Money all our lives? Remember the question of: “If we knew we were going to be in relationship with a person forever, how would we want that relationship to be?” I’m guessing that we wouldn’t expect anyone we were in relationship with to do what we expect of Money over the Holidays.

So, what might Money want? What’s on Money’s wish list? You’ll have to ask your Money to find out. (Yes, talking to your Money is a good thing.)

Here’s what I think Money will say to you. I think it wants what everyone really and truly wants. It wants your time and attention. It wants to have a shared experience of deep caring with you. Well, isn’t that what we want from our loved ones? Stuff comes and stuff goes, and, frankly, it’s very few presents that make a lasting impression. What we want is positive time together. Money wants some of your time and attention. It might even want your acknowledgment and appreciation for the frenzy you put it through during the holidays.

Wait! Money as a loved one? That may be throwing your off, but think about it. Money is there, in your life, day in and day out, just like family. Sometimes Money doesn’t give us everything we want, but then, neither does family. Sometimes we have to work really hard to keep things going with Money, the same as with family. Sometimes Money seems to let us down, just as family does. And sometimes, Money really comes through and helps us, just like family.

Money will be with you longer than family. You will interact with Money every day. What’s the relationship you want? What’s the relationship Money is asking you for?

Oh, and again, just like family, Money has some obstacles in communicating with you, doesn’t it? It can’t talk to you; it has to get your attention in other ways. What if you tried to notice what it might be trying to say? What might that bounced check be saying? What might the pile of unopened bills be saying? And what might the money that unexpectedly lands in your lap be saying to you?

So check in with your Money and see what its wish list looks like for this holiday season. Can you possibly fit in giving Money a bit of what it wants now, and during the coming year?

From the crunch of snow to the ka-ching of sleigh bells, happy holidays to you.

Teleclass:

Nope, there is no teleclass for December. The teleclasses will resume in January, 2010.

Meanwhile, if you would like a recording of the last teleclass,

Money, Double-Talk and You go to

http://www.sensiblecoaching.com/saleitems.htm

Have a Holly Hippoday!

___________________________________________________

The Money Knot Story:

In case you are wondering why this is called The Money Knot, here’s the story. I’ve always been fond of Celtic knots, and you notice I use one as my logo. From my perspective, there are several things about these knots that relate to our money journey. One, you can see the whole knot; nothing is hidden, it’s all revealed. Two, the knot has no beginning and no end; it’s an ongoing, dynamic process. Three, the knot that I have chosen is a bit askew; our maneuvering is often out of the box.

Our money lives are like this knot. They are a visible maze that is intricate and sometimes challenging. Sometimes we get stuck in a corner; sometimes money is confusing, embarrassing or even scary. And yet the knot is always there. It’s a never ending relationship.

Together we go into your knot, and I help you to understand and maneuver through the knot. You will get familiar with the territory, know your way around, understand the twists and turns. Together we will make sense of where you are on your own personal money path and help you get to where you want to be.

Quick Links…

$ensible Coaching Home

Coaching With Shell

Stuff For Sale

Shell’s Bio

Let me take you from the crunch to the ka-ching!

Shell Tain, pcc, cpcc

$ensible Coaching

503.258.1630

shell@sensiblecoaching.com

www.sensiblecoaching.com

Share This!

Add to FacebookAdd to DiggAdd to Del.icio.usAdd to StumbleuponAdd to RedditAdd to BlinklistAdd to TwitterAdd to TechnoratiAdd to Yahoo BuzzAdd to Newsvine


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