When I first heard this I felt like I wanted to crawl into a cave because my money management was atrocious. I never really knew how much I had (or didn’t have was more accurate). I just checked my bank balance every so often  and made sure I was still in the black.

My mental space was filled with creative and visionary ideas.  Money management seemed boring and a sure way to pop my helium balloon. Harv also said, “The way you do one thing is the way you do everything.” I woke up and I realized that ¨until I began to clear out the money cobwebs I would stay in a place of struggle.

Here are a few typical types of money clutter and how to clear them out permanently.

1. Fear of really looking at your accounts and knowing what’s going in and out. This is an irrational fear that once you know it will be horrible. Avoiders  want to steer clear of fear at all cost because it is uncomfortable.  As a result, bills stack up, mail is left unopened or not dealt with properly and you never have an accurate picture of your money.

Solution: Become an excellent money manager. Check your accounts regularly and deal with stuff immediately. Get a good bookkeeper and put systems in place.

2. Spending money on impulse. As soon as you get some money coming in you think of ways to spend it on “stuff.” Some of the stuff could be useful but mainly it’s fun to spend it and it makes you feel prosperous.

Solution: Create a special account for play money and put 5-10% of your earnings in there each month. Spend that on fun stuff. Before you buy something you need for your business ask yourself, “Do I really need this?”

3. Worry that the money flow will dry up. When you are in business you depend on a stream of new business and your customers to pay you on time. Worry can clutter your mind and stop your creative process.

Solution:  Substitute worry thoughts for positive thoughts and keep your attention focused on what you need to do to provide excellent customer service and good value. Develop a solid marketing plan.

4. Unrealistic money goals. You know you want to earn more money but you never have actually sat down and did a strategic plan of how to get there. There are holes in your plan and you keep doing the same mistakes over and over.

Solution: Develop a business plan that gives you a clear map to how to reach your money goals. Get help if you don’t know how to do this.

5. Poverty consciousness. You feel unworthy and disabled. Maybe you are uncomfortable asking for money and receiving it. You don’t know how to close sales. Your clients sense your discomfort and don’t want to be around you. You feel small and make decisions from that place.

Solution:  Begin to hang around prosperous people and change your behaviors. Let go of staying small. Stretch out of your comfort zone as this is the only way you will grow.

Follow these five things are you will begin to  eliminate your money clutter and open the space for prosperity.

So why is it so hard to get people to make the decision to buy from you? You are truly puzzled because you know your stuff is good. You know they need your help and you know that they would benefit greatly. So what’s the problem? You are smart, out-going and committed and yet you still struggle to have enough money to buy food!

It could be just a simple adjustment you need to make in your pitch. Simple isn’t always easy because old habits die hard. If you ever tried to quit smoking or go on a diet you know what I’m talking about.

It may be that you are desperate to quit smoking and you know all the reasons you should, and yet you keep lighting up. A quit smoking expert corners you and starts to tell you all the facts about how bad smoking is and how he can help you with his wonderful program.

You listen and begin to fade into the wallpaper. You feel insulted because you already know all this. In fact, you could teach the class! He blabs on and on and you feel irritated because not once did he ask you about your situation, your awareness or your feelings.

Rule number one! Forget your pitch. Listen instead. Ask questions and determine what they already know, how they feel and what they need.

Never even invite them to work with you.  Maybe you are thinking, “right, I’ll never get anymore clients this way!” Wrong. Once you listen and care about them, you are building a relationship. You may even find out some information about this person you didn’t know and discover they are not a good a match for you. Maybe they will like you then and refer others.

Forget your pitch and LISTEN instead.  It’s amazing what will happen!

Do you want to learn rules two through seven as well? There are seven powerful steps to effective selling. When you learn them all, you will be unstoppable and people will love you, refer people to you and want to stay connected.

I remember my first year in business when  the flow had slowed down to a trickle and then almost stopped at one point. I  felt  hopeless, fearful and anxious. When I added a bit of self-judgment to that mix it was a sad sight.

What do you do when this happens? Quit, get a job, go into a cave?

Nothing is wrong or bad about quitting but that decision needs to be made in a place of empowerment and not in the face of fear.   It’s actually an excellent time to re-prioritize your business plan of action and goals.

1. Are you 100% commited to your business?  If your answer is anything less than 100% it’s important to look at what is making it less and what you need to do to bring it back to 100%.

2. Re-do your marketing plan so it is clear and targeted to exactly who you want to work with. Come up with ways to communicate with them that get’s their attention. Offer something of value for free to get them through the door.

3. Review your whole business plan and make sure you are on track of where you are now and where you are wating to go.

4. If you are in a funk make sure you get help. When you make important decisions from a place of fear they are never good. A good mentor will help you to stay objective and make decisions from a place of empowerment.

5. Do one positive thing for your business today and another one tomorrow. Keep watering and weeding your garden and it will flourish before your eyes.

Another friend has breathed a sigh of relief that she has escaped losing her money.

For many, the loss of money can feel like a loss of identity, self-esteem, and confidence. In these cases it isn’t always the money itself but  it’s what it stands for. It means success and the right to stand tall and fit in.  Or it can mean security, safety or a myriad of other things.

Julia, a 72 year old woman, lost all of her money and her home twelve years ago when her business went bankrupt.  The very next year her husband died and she had to decide what to do. She said,  “There I was suddenly on my own at age 62 with no money, no savings, no resources and no health insurance.  We were hoping to sell our business in a year or two and then retire comfortably and travel to places we’d never been. It was a shock.  I was embarrassed, ashamed and went into a depression – and then I realized I still had choices.”

She realized that if she didn’t do something for herself no one else would. She ended up becoming a distributor for a health products company where she used her entrepreneurial skills to build a successful small business. In the process she reinvented herself. She’s still going strong.

When facing a crisis like this, what makes some people like Julia, wake up to their inner resources while others  just want to give up, unable to cope?

Here are five character traits that seem to be present in people who are able to begin a new venture against all odds. Everyone is born with these qualities but some people have to re-awaken and re-learn them.

1. Mental clarity.  Being able to think through choices and options with intelligence and have the cognitive ability to actually lay out a plan and strategies to achieve.

2. Positive Attitude. Believing you can do it will help you to move mountains and will allow you to see opportunities that you might miss otherwise.

3. Creativity. The ability to see possibilities out of thin air.  Being able to see a sculpture out of a pile of scrap metal and see how to recreate your life into what you want it to be.

4. Support group. The importance of bringing together a mastermind group for yourself. Surround yourself with people who will cheer you on and give you good feedback.

5. Commitment. The absolute decision to not give up and not quit. Instead, it’s about learning how to overcome obstacles as you stay focused on where you are going.

Whether or not you are facing a crisis these are excellent tools for success in any venture.  Maybe you have some others you can add to my list. I would also like to hear from anyone who has survived and began a new business against all odds.