EPUB ò Overcoming Underearning: A Five-Step Plan to a Richer Life ⚦ eBook or Kindle ePUB free

EPUB ã Overcoming Underearning: A Five-Step Plan to a Richer Life ⚣ When it comes to money, are you controlled by fear Do you underestimate your worth Are you ready to go to the next level, but can t seem to get there If you answered yes to any of these questions, you may be an underearner Underearners are self saboteurs who don t live up to their earnings potential, says Barbara Stanny, a financial educator, motivational speaker, and career counselor Whether they makean hour or six figures a year, they tend to live paycheck to paycheck, are often in debt, and have a high tolerance for low pay Ironically, many work incredibly hard The good news is that underearning is a self imposed condition By focusing on overcoming it, underearners will not only earn what they deserve, but live a richer life With techniques and exercises that have helped thousands of people, Stanny teaches five essential steps to financial independence and brings a message of empowerment to all those who chronically undervalue themselves A new mantra I ll try to remember spend less, earn , invest wisely, give generously, in that other And changing your mindset is the most important Knowing and respecting your own worth Hello, my name is Nikki and I was an underearner my entire life until I read Overcoming Underearning This is the first self improvement book I ve read that s making noticeable changes in my life The reason it s effective is because it forces the committed reader to examine her beliefs and attitudes about money with exercises throughout each chapter I wrote all over my book, I recommend purchasing it in paperback rather than an electronic copy All of my adult life I have dreamed not so much Hello, my name is Nikki and I was an underearner my entire life until I read Overcoming Underearning This is the first self improvement book I ve read that s making noticeable changes in my life The reason it s effective is because it forces the committed reader to examine her beliefs and attitudes about money with exercises throughout each chapter I wrote all over my book, I recommend purchasing it in paperback rather than an electronic copy All of my adult life I have dreamed not so much of money, but Financial Independence, yet that s all it s been A Dream Wishful thinking missing a Plan of Action, the courage to execute it, and the confidence to value myself and my creative talent.For the past five years I ve earned below 12k a year doing jobs that felt comfortable and low key believing I was better off sticking to work that didn t challenge or drain my creative energy I kept telling myself that my husband was the only one who could make real money with his IT experience.I blew through my entire savings just to keep up with practical expenses My sense of self worth suffered I turned a blind eye to my bank account and tuned out my husband whenever he tried to talk about our finances because it was too depressing to face.Two years ago I decided to pursue my lifelong dream of a career in fiction writing by publishing my first young adult fantasy novel I was so grateful for the warm response I received from readers and book bloggers that I constantly did giveaways to express my gratitude I released new titles at a special 99 cent price to reward my faithful fans before upping it to the intended price a couple weeks later after the buzz had died down, along with sales Not surprisingly, I was operating in the red or just breaking even at the end of 2012 and 2013.Stanny s book made me realize I need to start treating writing as a career rather than a hobby I need to value myself, my talent, my skill, and the work and passion I put into what I do Books don t write themselves That also means respecting my business hours I used to allow any little distraction to interrupt my writing time What I was doing didn t pay the bills so I let everything else take precedence Now I m diligent about my work hours I didn t have access to the web, personal email, or social media at any of my day jobs I couldn t just take off and run errands Why wouldn t I give myself the same respect and dedication I did to an employer I opened up a separate business account last month I put aside 30% of my earnings for taxes and pay myself a modest monthly salary, which I will increase as my earnings do Whatever s left is what s available for cover art, copy editors, marketing, advertisement, blog tours, giveaways, swag, events, and miscellaneous business expenses Nospending every last cent from my personal account.What really hit me in Stanny s book is how small steps lead to big changes.There s a quote in the book that says Don t let who you are get in the way of what you might become It s amazing how so many of the road blocks getting in my way turned out to be myself I m ready to step out of the way and charge forward I recommend this book to anyone who has ever wantedout of life.What are you waiting for The content s not really that bad it combines the therapeutic past excavation and I am a money magnet affirmations of a book like Secrets of the Millionaire Mind, the cheerleading of Feel the Fear and Do It Anyway, and the practical advice of inventorying, tracking spending, and investing wisely from Your Money or Your Life It doesn t have much to say to those of us uncertain about what kind of work to do in the first place, but there s only so many problems someone else s book can solve fo The content s not really that bad it combines the therapeutic past excavation and I am a money magnet affirmations of a book like Secrets of the Millionaire Mind, the cheerleading of Feel the Fear and Do It Anyway, and the practical advice of inventorying, tracking spending, and investing wisely from Your Money or Your Life It doesn t have much to say to those of us uncertain about what kind of work to do in the first place, but there s only so many problems someone else s book can solve for you without your involvement.The writing is clumsy and often sloppy about the only thing consistently clear was that the phrase Overcoming Underearning must always be followed by a symbol I couldn t be bothered to collect examples of the clumsiness or sloppiness, because who pays attention to writing in this kind of book The worst thing about it is the design overbusy, with pull quotes, highlights, exercises in boxes sometimes white, sometimes shaded sometimes within a page of text, sometimes on their own , and at least three other kinds of typographic irruption which make it hard to follow the main argument It s a typographic nightmare The main text is in Goudy Old Style OK But chapter titles and subheads are in an ugly 70s via 90s faux Art Nouveau geometrical sans serif, made unreadable in the chapter titles by tight tracking The exercises are in a readable rationalist sans, but way too tiny 7 point 6 and bold as though to make up for it The pull quotes are in Rockwell Bold, shaded about 70% as though to cut the impact of the bold.The design is credited to Ellen Cipriano I imagine it was a challenge, since Barbara Stanny clearly turned in stacks of handouts and PowerPoint printouts for her Overcoming Underearning workshop seminar thing along with the text, and the editor probably threw up her hands at the mess and decided not to even try to integrate it properly But still these typographic solutions solve only the problem of getting all the crap on the page somehow they don t do anything to contribute to the organization and comprehension of the information This is another of those books I like to read every couple of years It helps you define your thoughts about money and your goals in the career and financial aspects of your life I especially appreciate the way Stanny has the reader examine his her preconceived notions regarding success, both financial and professional I was amazed to discover how much of what I currently do with my money is shaped by opinions I formed as a kid As with everything else, once you recognize the source of a belie This is another of those books I like to read every couple of years It helps you define your thoughts about money and your goals in the career and financial aspects of your life I especially appreciate the way Stanny has the reader examine his her preconceived notions regarding success, both financial and professional I was amazed to discover how much of what I currently do with my money is shaped by opinions I formed as a kid As with everything else, once you recognize the source of a belief, you can change it