The Problem with Money? It's Not About the Money!
By Jane Honeck
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About this ebook
When it comes to money, you can’t really fix the “what” until you know the “why.” There are loads of books presenting “keys” for how to manage money. As a result, there are many people who know exactly what to do to gain control of their finances. Yet there are very few who actually do what’s necessary to reach their stated financial objectives. Now, however, you no longer have to be victim to living the same money problems over and over again. Jane’s unique approach is clearly presented in The Problem with Money? by identifying money beliefs in seven key areas and exploring how they influence behavior in seven facets of our lives. It provides tools and techniques for gaining power over these beliefs so changes of financial behavior naturally emerges. Then Jane provides methods for identifying small, doable action steps that produce the profoundly positive benefits of being financially conscious.
Jane Honeck
Jane Honeck, author, speaker, and seminar leader, has been a CPA for over 30 years. She has also been on a quest of inner discovery for more than a decade, and, as a result, has become a Certified Empowerment Trainer. Walking these dual paths has allowed her to combine her extensive money management experience with her in-depth awareness of human consciousness to develop the Cent$ible Living money program, assisting people in gaining real mastery over their financial lives. Jane lives in Maine, where she writes and works with clients as a Money Coach, Personal Financial Specialist and CPA.
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Book preview
The Problem with Money? It's Not About the Money! - Jane Honeck
Mastering the unexamined beliefs that
drive our financial lives
THE PROBLEM
WITH
MONEY?
IT’S NOT ABOUT THE MONEY!
JANE HONECK
Smashwords Edition
Copyright © Jane Honeck, 2010
All rights reserved. No part of this book may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, except in the case of brief quotations embodied in critical articles and reviews, without prior written permission of the publisher. For information, address all inquiries to Reversing Falls Press.
Although the author and publisher have made every effort to ensure the accuracy and completeness of information contained in this book, we assume no responsibility for errors, inaccuracies, omissions, or any inconsistency herein.
First Edition
Publisher’s Cataloging-In-Publication
Honeck, Jane.
The problem with money? it’s not about the money! : mastering the unexamined beliefs that drive our financial lives / Jane Honeck. -- 1st ed. -- Portland, ME : Reversing Falls Press, c2010.
p. ; cm.
Ebook ISBN: 978-0-9845020-1-1
1. Finance, Personal. 2. Money--Psychological aspects. 3. Financial security. 4. Finance, Personal--Psychological aspects. 5. Finance, Personal--Decision making. I. Title.
Author Photo: Jo Moser
Cover and Book Design: Patricia Bacall
Book Consultant: Ellen Reid
Illustrations: Lewis Agrell
To Janet O’Toole
business partner and friend
for your quiet strength and unconditional support
TABLE OF CONTENTS
Preface: For Once in My Life
A Note from Jane
Chapter I: What’s the Big Deal?
Hush Money
Money, Money, Power Money
Money, Money Everywhere
Money on the Mind
Chapter II: Come Out, Come Out Wherever You Are!
Memories of Money
Our Families
Relate This
Spiritual Viewpoint
Educational Attitude
Work Values
A World of Money
Chapter III: It’s More Than You Think!
Overall Attitude
Ability and Responsibility
Spending and Spending Plans
Access to Credit, Doorway to Debt
Relationships
Work
Abundance
Chapter IV: Do This, Not That
Step One: State It
Step Two: Debate It
Step Three: Recreate It
Chapter V: I Can See Clearly Now
Chapter VI: Financially Conscious
Draw a Blueprint for Change
Lay a Strong Foundation
Structure It
Personalize It
Update It
Chapter VII: Taking It to the World
Worksheets:
Unexamined Beliefs
Restated Beliefs and Truths
Growing Edge Affirmations
Financial Visions and Next Steps
Blueprint for Change
Acknowledgments
How to Engage the Author
Preface
FOR ONCE IN MY LIFE
Over thirty years ago, after sitting for two-and-a-half-days with the toughest exam of my life, I became a Certified Public Accountant (CPA). The day I earned that title was the beginning of my professional life with money. Luckily, I hadn’t listened to my father who had warned me, No one will ever hire a woman accountant.
Instead I had followed my dream to be a CPA and I began my career working under an innovative, bright, young tax partner with a Big Eight accounting firm who mentored me in tax and financial strategies.
While my left-brain knowledge and client relational skills continued to mature and develop, I soon grew impatient with the firm and its policies. (Ah, youth!) Following the suggestion of a close client, I left the Big Eight to start my own accounting firm. Fate followed me and a year later, my friend and associate, Janet, agreed to join me to help get my steadily growing workload done.
As the firm grew, I broadened my knowledge about personal finances and became a Personal Financial Specialist (PFS), the CPA’s version of financial planner. With my financial comprehension expanding, I discovered that the thing I loved most about being a CPA was talking with my clients; numbers were fine, but clients were the real thing. I found that the topic of money and taxes automatically forged a close connection with my clients. This connection is where I found the passion for my work. I loved this soft side of money–helping my clients make financial decisions based on who they were and how they thought. I even had a physician client refer to me as his psycho-accountant–not because I was crazy, but because I helped him with that other side of money.
When my father died some years later, I embarked on a journey of personal discovery. With the workshops I attended and counselors who helped me, new doors opened to peace and understanding of me and my place in this world. As those doors opened, I began to feel a tug to do something more–something that would make a difference in this world. I used to say to friends and fellow journeyers that there had to be more because I didn’t think St. Peter would greet me at heaven with a pat on the back saying, Good job–you did a really nice tax return!
(At least I hoped it was St. Peter who met me!)
On this personal journey, I searched for fulfillment and a way to make a difference in this world. I began traveling parallel paths–one path expanding my accounting practice, the other expanding me personally. But I couldn’t see any way for these two paths to converge. This time I wasn’t impatient, just frustrated, as only a middle-aged woman can be. So I clung to both paths hoping to find a solution.
As the years flew by, I saw how my clients were stuck in their financial lives. They sought my advice for making all kinds of decisions, not only the usual ones you might expect, but also advice for major life decisions stymied by money constraints. I pointed out the pros and cons of their choices and instructed them in the mechanics of making necessary changes. And, I noticed the stuck places in their journeys mirrored my stuck places, so occasionally I would sneak in helpful suggestions that I learned on my own personal path.
At the same time, still searching for that ultimate fulfillment, I tried numerous side ventures: an innovative art program for children, light-hearted productions for television, gatherings for spiritual women, and even Tick Tactic, a Lyme disease first-aid kit. Nothing seemed to work until I said yes to a demanding and time-consuming program right in the middle of my busiest tax season.
I enrolled in the Empowerment Institute. Working with the methodology developed by Gail Straub and David Gershon over twenty-five years ago, I finally found the tools that brought my two paths together. I developed a Money Empowerment Workshop along with a Money Coaching Program and earned certification as an Empowerment Trainer. The financial programs I developed finally merged my two paths and freed my passion.
Thus was born The Problem with Money? Having worked with clients for more than thirty years, I knew that managing money was all about making choices. The Empowerment Institute helped me understand that our money choices aren’t worth anything if we haven’t examined the underlying beliefs and values. It’s the beliefs about money that lead us to those choices. Without taking time to uncover those beliefs, we make our choices blindfolded.
How do I know this? I know from personal experience. One would think that a CPA/financial planner would have her money house in perfect order. After all, I have all the knowledge and talent to make good decisions–right? But left-brain power isn’t the important piece of this puzzle. Just like you, I didn’t know that unexamined beliefs were influencing the choices I made. I had that blindfold on too!
I remember getting my first job as an accountant at a whopping salary of $11,000 a year. I thought I had died and gone to heaven! Finally, I had some breathing room in my budget. Instead of having friends over for popcorn and beer, I could go out. I could buy a few trinkets, maybe even a new car. Life was good!
As my income grew, I thought about buying a home. I remember signing the papers on that first house hoping I could afford the $330 a month payment and laughing that it wouldn’t be paid off until 2006. Oh, if only I still had that house and that payment!
Like others, I bought into the American dream. Bigger house, bigger car, bigger spending plan. In 2006 that mortgage wasn’t