Difficult Decisions

Where you are and what you are (and how much money you have or don’t have) are a result of the choices you have made. That means what you chose to focus your talent on, the medium you decided to work in, the projects you accepted and didn’t accept, and how you spent your most…

All The Right Moves

What we all are looking for in a decision is a feeling of rightness, of knowing without a doubt that this is a sure thing. How that feels will differ from person to person. For some it may be a sense of sureness. For others it is a feeling of excitement.  Still others, a kind…

I Am Forever in Your Debt

Let’s start by being positive, then we’ll get to the dangers of debt. Not all debt is bad. When you buy a home, for instance, that is okay. You have used other people’s money to buy something that will likely increase in value and build your wealth. Bad debt is when you bought something on…

How Did This Happen to ME?

Wrong story.  ‘You spend years trying to save money – for what? You could die” The  up and down nature of our careers  It is easy to get credit. We don’t recognize the real costs of things. How hard you had to work to get that money in the first place. You gave a little…

Ready, Set, Black

Start small and take it one day at a time.  Maybe the first thing you do is say, ‘I’m going to go one day without any new debt’. It is a start. Set some money aside for emergencies, or else you get more debt again. Birds fly high to get a better perspective. We also…

Other Pitfalls beyond Debt

Some of the most talented and creative people are also the most self sabotaging. They struggle with money not because of external forces but, rather, because of their own lack of judgment. Sometimes these problems mask deeper problems. How many times do we see the artist who makes it big, only to blow it? So…

Give Yourself a Raise

If someone else is making good money in your profession, then it’s possible. But, but… NO!  If you work hard, continue to improve and start to believe in yourself and your talents, combined with placing a higher value on your time, uniqueness, contribution, and so on, you can and should make money. People with far…

Why You Don’t Make More Money

Get serious about your career and your business. Is it a hobby? Are you a charity? Or is this a creative career? Maybe fear keeps your fees too low. You are afraid to charge more for fear that all your current clients will leave. You think you’ll  have less volume. Good. You can’t make it…

Make Yourself More Marketable

Choose a path with a chance for a payoff.  Why struggle when you don’t have to? If you choose a niche market that motivates you, where you can honestly say you wouldn’t want to do anything esle, that is success. Hopefully it can happen like that, and people will pay for what you want to…

Raise Your Rates

Your prices say a lot about you. It is how people perceive the quality of you and your work. It’s the image. Low prices make you seem second rate. You can always come down from higher fees, but it is hard to go up. You can give discounts if people are willing to pay cash…