One of the first steps to being able to stop overspending is to first accept where you’re at today, which may require a huge shift in your body and your mind. Before I went through my acceptance process I was feeling very unsatisfied with the size of my home. I wanted more room. I kept thinking, “It’s too small”, “Not good enough”, blah, blah, blah. All that noise in my head immediately stopped when I came to terms and both mentally and physically accepted ‘this’ is where I am today and it’s OK. My thinking shifted from a sense of lack to a calm, peacefulness.

My body shifted from a unsatisfied, almost fighting position, to one at ease. I was also able to think more clearly about how to get from Point A (where I was) to Point B (where I wanted to be). And I became more open to the idea that there were others / tools out there who could assist me in reaching my goals. Frankly, it also helped my marriage because I stopped whining about our situation.

It does take some mental effort to accept where you’re at… but put the idea in your mind that you’re going to do this and it will come.

Then learn about great tools / mentors that can help you get to where you want to be. Some mentors I learned from were Robert Allen (“road to wealth” – this book gave me courage when I had none), Robert Kiyosaki (Rich Dad Series – eye opening lessons on being financially literate. One note: be sure to do complete research before taking any action!!!), Ester & Jerry Hicks (teachings of abraham), Neale, Donald Walsch (recommend signing up for his daily emails – they’re amazingly on target), and many, many others.

A great tool that I’m currently using is the Money Merge Account from United First Financial. It’s easy to use, helps keep me focused on my financial picture, and will save me over $300,000 in interest on my mortgages. (www.u1stfinancial.net/loanmaster).