What Do You Want? How To Design A Plan For Your Life

When you engage in active planning, you’re highly likely to be more successful in life. You know what you want and how you intend to get it.

Maybe you already have your life all planned out. Maybe you don’t. Either way, these tips will help you devise or tweak your Life Plan so you can move forward toward realizing the joy and fulfillment you deserve.

Take some time to answer the following questions about what you most desire. Who knows, you may have a detailed Life Plan before the week is done!

  1. What are your dreams? Allow yourself some “dream” time to clarify to yourself what you really want. Be as over-the-top as you like. Then, write them down.
    • There’s no limit to the number of dreams or how large they are. Life provides opportunities to let go of certain goals and add new ones. Infuse your Life Plan with all your dreams and goals.
  1. What’s important? Whatever you feel is crucial to you should be reflected in your Life Plan. Maybe you’ve always wanted to have more education. Perhaps you’ve wanted to travel but haven’t the time or money to do it. If you grew up in a rented home, owning a home might be the single most important thing in your life. If it’s important to you, include it.
  1. What do you want to accomplish? What deeds do you want to achieve? Now’s the time to write down what you want to do with your life. Is working on a church mission something you aspire to do? Do you want to win an award in your career for your work performance?
    • List what you want to attain in the personal, professional and educational areas of life.
  1. What standard of living do you desire? Your answer will describe the life you want to lead. Do you want to live in a high-rise apartment in the city? Do you want to own your own farm in the country? Maybe you prefer to live simply and pick up and go wherever you want.
    • Perhaps you want to earn more money, live in a large house, drive an expensive car, and enjoy wearing pricey clothes. In essence, you seek the high life.
    • Thoroughly investigate what standard of living you want so you can include it in your Life Plan. Search your soul. There are no “wrong answers” when you’re developing your Life Plan.
  1. Do you have fun? Maybe, to you, having fun means locking yourself in your study to write romances all day. You might find training and running a triathlon to be the time of your life. Activities such as bowling, practicing yoga and traveling to Europe also qualify – whatever brings you joy.
    • If you answer this question with a “no,” it’s time to get serious about your fun. You’ll require some time to cogitate about activities you might enjoy. When was the last time you kicked up your heels? List activities that you love to do. What is life without some fun?  
  1. Are you spending time with friends and family? Generally, those who are the happiest make time for their family and friends. If this issue is important to you, include it in your plan.
  1. What do you do for your community? Giving back to your community cultivates feelings of gratitude, satisfaction, and fulfillment in your own life. Donating money, time, or energy for the good of others enables these positive feelings to be an inherent result when you write them into your Life Plan.
  1. Are self-improvements high on your list? Striving to excel helps keep you moving toward your life goals. Include short term achievements for many areas of your life.

Develop your Life Plan soon and feel free to change it as your wants and desires evolve. Having a Life Plan keeps you focused on all your goals and will motivate you to reach for the stars.



If you enjoyed this post, I invite you to take a moment and sign up to receive the BusyGal Bi-Weekly Affirmation Inspiration in Your Inbox.

Affirmations are simply statements that are designed to create self-change in the individual using them. They can serve as inspiration, as well as simple reminders. They also can serve to focus you attention onto your goals throughout the day, which, in and of itself, has the potential to promote positive and sustained self-change.

Proponents of the “law of attraction” often refer to this as raising our vibration such that when our vibration is positive, positive things—such as financial abundance, love, and renewed health—are magnetically drawn to us.

You can sign up HERE to receive the BusyGal Bi-Weekly Affirmation Inspiration in Your Inbox.

Discovering Your Life’s Purpose

There is a purpose for your life, whether you believe it or not. You may have to take several paths, but with a little digging, you can find where you’re meant to be.

The first clue to figuring out your purpose in life is to consider what natural talents, gifts and abilities you’re born with.

  • Are you artistic or musical?
  • Is it easy for you to talk to people?
  • Are you a natural communicator?
  • Do you love to socialize?
  • Do you love to decorate and rearrange your home?
  • Are you good at taking charge?
  • Are you creative and crafty?
  • Do you understand electronics and technical gadgets?
  • Do you understand computer technology?
  • Do people compliment you on your style?
  • Are you a good writer?
  • Do you have good organizational skills?

Once you figure out what talents naturally live within you, you can then understand what you’re supposed to be doing with those gifts and talents. This is your purpose in life.

What Do You Love to Do?

Have you ever sat down and really reflected on what you love to do?

There are literally millions of possibilities, so start with the gifts and talents you were born with. From there figure out what you love to do that requires using those gifts and talents.

  • If you’re artistic or musical, teaching others how to draw, paint or play an instrument may be your calling in life.

  • Being naturally social, you might consider being an organizer for social events.

  • If you’re always redecorating and rearranging your home, why not get paid to do it and start an interior decorating business?

  • Being a natural born leader opens all kinds of doors that could lead you in many different directions. Does your church or other local community groups need someone to head up a department? You may find your purpose there.

  • If you’re good at making crafty things, helping at a preschool or elementary school may be fulfilling for you. Using your creative ability could open the door to a career in graphic arts as well.

  • If you’re technically minded, perhaps you might consider using your understanding of electronics to fix equipment or you might enjoy working in an electronics store.

  • If you have a strong knowledge of computers, you’re certain to find a career online or with a high tech company or you might even consider starting your own business.

  • If you’re naturally stylish and love to keep up with what’s new in the fashion world, perhaps designing your own line of clothing or accessories is your purpose. Or maybe you’d enjoy helping others discover what style works best for them by working in a clothing store. Another option may be to offer your services as a fashion consultant to those who are unemployed, so they can learn how to dress professionally for job interviews.

  • The love of writing may be something you don’t even realize yet. With blogging becoming the most popular way to market a business, getting paid to write is a great way to make money from home. Many people have started a simple blog that has turned into a money making machine. Start by writing on topics you already have knowledge about and go from there. You might be surprised at how much money you can make with your love of writing.

  • Using your organizational skills, you might be fond of going into homes and getting them ready for sale or helping elderly persons organize their homes. You could also offer your services online as an organizational consultant or teach those who aren’t naturally organized.

Finding your purpose in life simply takes self-reflection as well as some trial and error. Free yourself from wandering through life without purpose. We’re all here for a reason and, once your find your purpose and begin living it, you’ll feel happy and fulfilled!

What Girl Scout Cookies Can Teach You about Becoming More Successful

The Girls Scouts have been selling cookies for more than 100 years, and they’ve created the largest girl-led entrepreneurship program in the world. In fact, more than 200 million boxes of cookies are sold each year, totaling about $800 million dollars.

While the cookie sales sound impressive on their own, they’re not the only benefit of scouting. Studies show that former Girl Scouts have higher achievements across the board, including increased income and greater self-esteem.

With a record like that, the Girl Scouts must know something about blending traditional and modern paths to success. Take a look at what Thin Mints and Samoas can teach you about reaching your own goals.

Traditional Paths to Success:

  1. Focus on giving. Supporting worthy causes is part of what makes Girl Scout cookies so popular. The money goes back into the local community or to other charities that the girls select. Whether you’re selling shortbread or life insurance, helping others to reach their dreams will help you to fulfill your own.
  2. Be authentic. The pictures on the cookie boxes are all real Girl Scouts, and the girls are encouraged to wear their uniforms going door to door or staffing their booths. Being genuine with yourself and others will make you more likeable and trustworthy too.
  3. Build skills. The Girl Scouts have invented their own 5-part formula for success. It includes goal setting, decision making, money management, people skills, and business ethics. While you may choose different wording, it’s important to develop the abilities and behaviors that enable you to deal with life’s challenges.
  4. Look out for your family. The first Girl Scout cookies were baked by mothers and daughters in their own kitchens, and parents still bring cookies to the office to sell to coworkers. Family support helps you to stay strong and resilient.
  5. Make friends. Selling cookies takes teamwork. You’ll discover more opportunities and make more progress if you network vigorously and consistently. Focus on what you can do for others and follow up when you make a commitment.
  6. Leverage your strengths. Would you believe that Thin Mints account for 25% of Girl Scout cookies sales? While it’s important to be open to new ideas, your biggest achievements will come from knowing how to use your unique talents.
  7. Live healthy. Speaking of new ideas, Girl Scout cookies now come in vegan and gluten-free options. To accomplish anything in life, you need to take care of your mind and body.
  8. Appreciate nature. S’more cookies are one sign of how scouting brings cookies and camping together. Outdoor activities are another mainstay of a happy and productive life.
  9. Gain confidence. The greatest benefit of scouting and selling cookies may be the increased confidence that Girl Scouts report. Believing in yourself makes you a success in any field.

Modern Paths to Success:

  1. Go digital. Caramel deLites and Do-si-Dos took a giant step into the 21st Century with the launching of the Digital Cookies platform in 2014. Embracing new technology enables you to work smarter and stay relevant.
  2. Use social media. The internet makes it a lot easier to find out when your favorite cookies go on sale. Build your community by staying in touch and sharing your views on Facebook, LinkedIn, or other channels.
  3. Seek balance. On the other hand, Girl Scout cookies are still officially on sale for only about 6 to 8 weeks a year even in a 24/7 society, so girls can participate in other worthwhile projects. It’s a good reminder to stick to your own values and priorities.

Girl Scout cookies are a delicious way to treat yourself and invest in your community. Let these young cookie entrepreneurs inspire you to take action and live the life you want.

The Reinvention of YOU – Increasing Your Self-Esteem

You might have discovered lately that you aren’t feeling as positive as you could about yourself. Maybe you’re disappointed in how you look or some of the emotions you feel. Your attitude might slip a bit at times and you find yourself making self-deprecating statements to others.

How can you get out of this rut and reinvigorate how you feel about yourself?

These strategies will help you get back on track and increase your self-esteem:

  1. It’s time to take a good, long look at yourself. Although it might be scary or even a bit disappointing, the sooner you do it, the quicker you’ll be able to get yourself back on track.
  2. How’s your physical appearance? Consider any changes you’d like to make to how you look. It’s common to go through life phases when you don’t take the care with yourself that you usually do. For many, a new haircut and some extra attention to personal grooming goes miles toward increasing self-esteem.
  3. Look at yourself with a kind eye and make some decisions on what you can realistically and financially do to improve your appearance. As you probably already know, your appearance is paramount to how you feel about yourself. Improving your appearance most likely means you’ll improve your self-esteem.
  4. Recognize your strong points. Although your mind hasn’t been in a place to really notice what you’re good at, take some time now to do just that. Maybe you’re a great cook, wonderful with kids, and the hardest worker at the office. Every single person has strong points and it’s important for you to know what yours are.
  5. Remind yourself what you truly love about you. Maybe it’s the way your green eyes shine or your red hair makes your facial features stand out. Perhaps you’re consistent about doing exercise or you’re brilliant at keeping the conversation going. You’re even in awe of the patience you have with others or your willingness to step up and volunteer to help out others.
  6. When it comes to you, what are you the most proud of? What do you consider your greatest achievements? We all have something to be proud of. Figure out the things about you that you take pride in to raise your self-esteem a few notches.
  • Maybe you keep an organized house or wash your dad’s car every week without fail.
  • Perhaps you write a good story or can keep your cool when your kids are acting out.
  • Did you work your way through college without any help or support from others?
  • Accept compliments openly. Make eye contact, smile, and say, “thank you” whenever people pay you a compliment. After all, people aren’t going to go to the time and trouble to pay you a compliment unless they believe you deserve it. Relish in the good things about you that others notice. Embrace those positive comments. Doesn’t it feel great?

You can reinvent yourself by taking steps to increase your self-esteem. Look within yourself to evaluate what you need to feel better about yourself. Make changes in your physical appearance, open your eyes to your strong points, and be aware of what you love about yourself. Acknowledge what you’re most proud of and embrace compliments.

As you do these things, your self-esteem will soar. The reinvention of you will be successful and complete!


If you enjoyed this post, I invite you to take a moment and sign up to receive the BusyGal Bi-Weekly Affirmation Inspiration in Your Inbox.

Affirmations are simply statements that are designed to create self-change in the individual using them. They can serve as inspiration, as well as simple reminders. They also can serve to focus you attention onto your goals throughout the day, which, in and of itself, has the potential to promote positive and sustained self-change.

People use affirmations for a variety of purposes. Generally speaking, affirmations are used to reprogram the subconscious mind, to encourage us to believe certain things about ourselves or about the world and our place within it. They are also used to help us create the reality we want—often in terms of making (or attracting) wealth, love, beauty, and happiness.

According to Walter E. Jacobson, M.D., there is value in affirmations of this nature, because our subconscious mind plays a major role in the actualization of our lives and the manifestation of our desires. What we believe about ourselves at a subconscious level, he says, can have a significant impact on the outcome of events.

At the simplest level, when we feel good about ourselves and have a positive attitude, our lives tend to run smoothly. Proponents of the “law of attraction” often refer to this as raising our vibration such that when our vibration is positive, positive things—such as financial abundance, love, and renewed health—are magnetically drawn to us.

You can sign up HERE to receive the BusyGal Bi-Weekly Affirmation Inspiration in Your Inbox.

Turning Your Hobby Into An Income Stream

If you’re like most people, you probably dream of having a job that’s enjoyable and fulfilling. Maybe the solution is to turn something you love into a way to pay the bills.

You may be thinking, “There’s no way I can make money from my hobby.” But you might be surprised!

Just think how great it would be if you could make money from the one thing that you actually choose to do when you have free time. What could possibly be better than that?

You might not be able to fully replace your regular job right away. However, you could earn a few hundred dollars a month or more for something you would be doing anyway. And that can make a big difference.

The two basic routes to making money from your hobby are:

  1. Teach Online. Someone out there would like to learn what you know. Don’t make the mistake of believing that you have to be one of the world’s top ten leading experts on something in order to make money at it. Nothing can be further from the truth! If you know more about something than anyone on your street, you can certainly make money teaching others.
  • Some ways to teach include:
    • Giving seminars (online or in person)
    • Selling articles related to your hobby
    • Writing and selling a book or e-book
    • One-on-one coaching
    • Setting up a website that provides educational information and sells related products and services.
  1. Sell a related product or service. Hobbies require supplies. Other people may as well be purchasing those supplies from you. If your hobby is collecting something, you can buy and sell whatever it is you collect. Or think of businesses related to your hobby. For example:
  • If you love animals, you could sell your services as a dog sitter.

  • If you love boats, you could sell boat plans or rent boats to vacationers.

  • Do you love design and interior decorating? Do you like to watch design shows on TV? You might not be on television anytime soon, but you probably know more about decorating a house than the average family does. Certainly you could charge a few hundred dollars for a consultation.

  • What if fishing is your passion? How about owning a bait and tackle shop? You could be a fishing guide. You could sell fishing lures online.

  • Do you love to travel? Take lots of pictures and write about your adventures. Travel magazines and websites are always looking for good content. You could also start your own travel website.

The real key is to take time to think about all the ways you could possibly make money related to you hobby. Then you can choose to do so in the most enjoyable way possible.

The hardest part of getting started for most people is marketing; you must market yourself and your business to get clients or customers. So be bold. Tell your neighbors and family members about your plans. Post an ad on Craigslist.com. Make a website. People have to know you’re out there so they can hire you or purchase from you.

Imagine the excitement you’ll feel the first time you cash that check for doing something you used to do for free! Once you make a little money from your hobby, the wheels will really start turning, and you’ll be surprised at all the other ideas that come to mind.

Start today by making a list of all the ways you could possibly make money at your hobby. Have fun, and good luck!


If you enjoyed this post, I invite you to take a moment and sign up to receive the BusyGal Bi-Weekly Affirmation Inspiration in Your Inbox.

Affirmations are simply statements that are designed to create self-change in the individual using them. They can serve as inspiration, as well as simple reminders. They also can serve to focus you attention onto your goals throughout the day, which, in and of itself, has the potential to promote positive and sustained self-change.

People use affirmations for a variety of purposes. Generally speaking, affirmations are used to reprogram the subconscious mind, to encourage us to believe certain things about ourselves or about the world and our place within it. They are also used to help us create the reality we want—often in terms of making (or attracting) wealth, love, beauty, and happiness.

According to Walter E. Jacobson, M.D., there is value in affirmations of this nature, because our subconscious mind plays a major role in the actualization of our lives and the manifestation of our desires. What we believe about ourselves at a subconscious level, he says, can have a significant impact on the outcome of events.

At the simplest level, when we feel good about ourselves and have a positive attitude, our lives tend to run smoothly. Proponents of the “law of attraction” often refer to this as raising our vibration such that when our vibration is positive, positive things—such as financial abundance, love, and renewed health—are magnetically drawn to us.

You can sign up HERE to receive the BusyGal Bi-Weekly Affirmation Inspiration in Your Inbox.

How to Embrace New Chapters in Your Life

As you’re well aware, life is full of changes. Sometimes, the changes occur when you least expect them, and you end up with your routines being thrown out of whack. That’s how it often is when new chapters are opened up in your life. You might get caught by surprise, and immediately get flustered because you’ve never dealt with being in that situation before.

It’s easy to lose composure when you’re going through something totally novel to you. It’s easy to give up because you feel like you’ve lost control of your life.

The good news is that you can approach these life events with positive techniques that keep you from feeling intimidated by them.

Follow these strategies to not only deal with, but also embrace, these new chapters in your life:

  1. Have an open mind. Expect the best scenario instead of the worst. Remind yourself that you’ve made it through more challenging situations before.
    • Embrace the idea that this event might bring with it all sorts of positive spins on existing situations that challenge you. This new chapter in your life could be the answer to your reaching previously unattainable goals.
  1. Exercise courage. Fear can keep you from achieving what you want out of life. It can turn strong men weak and result in disappointment, sadness and humiliation. If you picture living a life with those negative attributes, you’ll start to develop the courage to prevent that from happening. So face the unknown with every ounce of courage you have!
    • Even when you’re not feeling courageous, tell yourself you’re brave. Walk into a situation while repeating the words, “I have what it takes to conquer this.”
  1. Take one step at a time. By far, the easiest way to approach any situation in life is to break it down into its smallest parts. When looking at the big picture of your new chapter, it might seem mammoth and insurmountable. But if you take a minute to dissect it, you’ll realize it’s a lot easier to take smaller bites and even savor the taste of newness.
  1. Be guided by past mistakes. Nobody you know has more experience in your life than you do! You know your strengths and abilities, and you also know where you went wrong before. Those learning lessons should be the tools you take into life’s new chapter. Use them as much as possible to help guide you through the unknown.
  1. Be honest. If your new chapter in life is something being presented to you by someone else, be honest about feeling intimidated by it. If you’re expected to tackle it and come out victorious, you definitely don’t want to disappoint! It’s better to state your position up front because people respect honest even when it doesn’t favor them.
    • New chapters don’t have to be scary at all. You’d be surprised how perfectly capable you are of taking things head-on and relishing in the goodness they can provide. Give yourself the chance to experience fulfillment; use these strategies to embrace new chapters like you already know the outcome!

If you enjoyed this post, I invite you to take a moment and sign up to receive the BusyGal Bi-Weekly Affirmation Inspiration in Your Inbox.

Affirmations are simply statements that are designed to create self-change in the individual using them. They can serve as inspiration, as well as simple reminders. They also can serve to focus you attention onto your goals throughout the day, which, in and of itself, has the potential to promote positive and sustained self-change.

People use affirmations for a variety of purposes. Generally speaking, affirmations are used to reprogram the subconscious mind, to encourage us to believe certain things about ourselves or about the world and our place within it. They are also used to help us create the reality we want—often in terms of making (or attracting) wealth, love, beauty, and happiness.

According to Walter E. Jacobson, M.D., there is value in affirmations of this nature, because our subconscious mind plays a major role in the actualization of our lives and the manifestation of our desires. What we believe about ourselves at a subconscious level, he says, can have a significant impact on the outcome of events.

At the simplest level, when we feel good about ourselves and have a positive attitude, our lives tend to run smoothly. Proponents of the “law of attraction” often refer to this as raising our vibration such that when our vibration is positive, positive things—such as financial abundance, love, and renewed health—are magnetically drawn to us.

You can sign up HERE to receive the BusyGal Bi-Weekly Affirmation Inspiration in Your Inbox.

Ways to Use Your Spirituality to Help Your Business Thrive

Using all the resources at your disposal naturally brings you greater success in your business. Number crunching and data analysis are helpful, but you have other tools available. Your spirituality and instincts have been developing and growing since birth. It would be a shame not to use them to your advantage.

Use these strategies to enhance your business with your spirituality:

  1. Sit quietly with your mistakes. Most of us avoid our mistakes. They create too much discomfort. But mistakes have always been the primary way that humans learn. Embrace your mistakes by sitting quietly and examining the source of your error. How much would your business be enhanced if you never repeated mistakes?
  2. Set your intentions high. Get in touch with your soul and realize how great and successful your business could become. Set a big goal and stick to it. Most substantial goals aren’t met because an easier goal reveals itself along the way. Utilize the power of high intentions and be consistent.
  3. Let go. Learn to forgive and move on. That includes forgiving yourself. Learn from challenges and then release yourself from them. Holding on to a grudge or the past ultimately punishes yourself and your business.
  4. Allow your spirit to guide your business. Logic and quantification have their place in any business, but the most successful businesses have more guiding their decisions. Trust your gut when the data runs out.
  5. Be enthusiastic about the unknown. It’s only necessary to see the next step clearly. Everything else might be a bit murky, and that’s okay. Any impressive accomplishment has at least a bit of the unknown.
  6. Meditate or pray on challenges. Getting upset by challenges is similar to a reflex. It’s possible to develop a more effective habit. Meditate on your business challenges and calmly seek a solution.
  7. Show gratitude. To feel gratitude, you must first focus on those things for which you’re thankful. Take a few minutes each day and feel gratitude for the things that bring you joy or satisfaction in your business. At the very least, it will create a more positive state of mind.

Are you currently using your spirituality to your advantage in your business dealings? If not, you’re ignoring a great source of guidance and strength. Give your spirituality the respect it deserves and apply it to your business activities. You’ll have a significant advantage over your competition.

I’d love to hear from you if you are currently utilizing your spirituality in your business as you work towards achieving positive results & goodwill for yourself and for your clients. Please drop me a line and tell me about it at TheBusyGal@gmail.com. Selah.


If you enjoyed this post, I invite you to take a moment and sign up to receive the BusyGal Bi-Weekly Affirmation Inspiration in Your Inbox.

Affirmations are simply statements that are designed to create self-change in the individual using them. They can serve as inspiration, as well as simple reminders. They also can serve to focus you attention onto your goals throughout the day, which, in and of itself, has the potential to promote positive and sustained self-change.

People use affirmations for a variety of purposes. Generally speaking, affirmations are used to reprogram the subconscious mind, to encourage us to believe certain things about ourselves or about the world and our place within it. They are also used to help us create the reality we want—often in terms of making (or attracting) wealth, love, beauty, and happiness.

According to Walter E. Jacobson, M.D., there is value in affirmations of this nature, because our subconscious mind plays a major role in the actualization of our lives and the manifestation of our desires. What we believe about ourselves at a subconscious level, he says, can have a significant impact on the outcome of events.

At the simplest level, when we feel good about ourselves and have a positive attitude, our lives tend to run smoothly. Proponents of the “law of attraction” often refer to this as raising our vibration such that when our vibration is positive, positive things—such as financial abundance, love, and renewed health—are magnetically drawn to us.

You can sign up HERE to receive the BusyGal Bi-Weekly Affirmation Inspiration in Your Inbox.

You Have A Choice!

You know that you have a choice to stay in that dead end job or start your own business, right? If you’re thinking about starting something, do you know what you want to do? Right now, your job is paying at least some of the bills and you’re barely making ends meet. To encourage you to continue thinking about alternative income generating ideas, think about this….

Did you know that most women after the age of 40 will experience some form of ageism in the workplace – be it subtle or overt. In fact now that the Great Recession is essentially over, most of us can get a job — a job with no power, low pay, and absolutely no social prestige! If you’re okay with that don’t read any further!

It’s a known fact that ageism at work begins for women at 40 when your boss no longer considers you for promotion or training! Imagine that! You’ve given 10+ years of your life to a boss, who after you get to a certain age decides that due to your age you are no longer promotable! Does that get you pissed off? It should!

Do you want to know the real reason the job market bounced back? Millions of Americans have simply left the workforce to strike out on their own as small business owners – specifically middle aged people – and leading the charge are women over 40!

Now obviously starting a business is NOT EASY at any time in life, much less when you’re at this age! You also need to KNOW yourself.

To that end, which statement sounds more appealing to you?

“I want the comfortable life. I want or need stability in my life. I do not want to risk my well-being, and I value my free time to be able to relax.”

OR

“I bet on myself and that excites me! I like taking risks because I want the rewards they offer. I love to work, and I want to keep growing. I am very ambitious, and I can handle being in a position of discomfort a while.”

The first statement best describes employment. It is an easy path to follow because you know all the steps, and if not, you can find all the steps. You will encounter comfort if you are doing your job right, and if you don’t age out of the work and get laid off as the work force gets younger than you. You have a set schedule, and you know exactly when you switch your mind from work to family (usually 5PM Mondays to Fridays).

The second statement describes entrepreneurship. To be an entrepreneur you kind of need to embrace the fact that your schedule will be all over the place, and you will be thinking about 100 things at the same time while usually never knowing when the next time to relax will be! Additionally, the work is a grind – but you love it as you’re pursuing your dream because you love that what you are creating is yours! Your life will be unstable and unexpected, but you will love everything about it because your ambition and dreams are too big not to be pursued.

As you can see, these lifestyles are very different.

Entrepreneurs and employees are both necessary in this world, so no matter what path you choose, understand that you are still valuable to the society.

My name is Felicia Lopes and I am the founder of an online business where I coach Women Over 40 to re-establish and re-invent themselves as entrepreneurs through my online classes, small business services and opportunities, as well as events. I can help you!

Bottom line, if you’re looking for a great idea for a business, download my FREE booklet The Top 40 Small Business Ideas for Entrepreneurial Women Over 40 which is jam packed with million dollar ideas for new businesses and links to get you started. https://itiv6yfr.pages.infusionsoft.net

Online Sources of Capital for Women Entrepreneurs

Capital is pivotal for the success of any entrepreneur to launch a sustainable and lucrative business. Traditional routes of access to capital are changing as technological development creates new avenues and the distance between entrepreneur and investor decreases due to an increase in fast and efficient communication.

Women entrepreneurs have notoriously faced hardships in gaining access to capital, from lack of information and resources and local and state government assistance, to facing cultural biases from investors. Without adequate capital, women cannot make their creative ideas a reality, nor can they afford to maintain the businesses that provide jobs for a significant portion of the population.

U.S. Census Bureau data reveals that women own 36 percent of privately-held businesses and contribute $3 trillion to the economy due to job creation—creating 16 percent of jobs in the nation. As more women become their own bosses, they compose a larger share of small businesses, of which 80 percent have no employees other than the owner. In 2013, there were 28.8 million small businesses in the U.S.

Traditional means of gaining access to capital, which typically involved a long and cost-intensive process, are being expanded with online options, which provide smaller loan amounts faster and at lower costs.

Here are some new, innovative tools for women entrepreneurs seeking financing:

Crowdfunding
Crowdfunding is an efficient way to gain capital from many individuals through small donations, and is low risk compared to venture angels and banks. A 2015 Massolution report estimates that $17.2 billion was invested in North America through crowdfunding websites, a number that’s increasing each year. Top crowdfunding platforms include Kickstarter, Indiegogo, GoFundMe, CircleUp, Patreon, Crowdrise, Razoo, AngelList, and many more.

Gender Lens Investment
According to Veris Wealth Partners, investment of this type has risen 41 percent in the past year, up to $910 million. In addition, the number of mandated publicly traded gender lens investment strategies has reached a total of 22, after five years of steady growth. This is an incredible increase from 1993 to 2012, when there were only five strategies for gender lens investing.

Online Lending Tools
An emerging means for access to capital for small businesses in particular are online lending tools. The 2017 Kauffman Foundation report states that many businesses are in need of funds to manage cash flow and to access short-term financing, and the most commonly used tools are loans and lines of credit. Fintech companies like OnDeck and Kabbage are facilitating small businesses’ access to credit in online lending by providing fast online vetting for small business loans, utilizing personal data and credit scores.

Whether they decide to leverage crowdfunding, merchant cash advances or sector-focused angel syndicates like gender lens investment, women entrepreneurs in need of funds for their startup—or capital for their business—have new tools at their disposal.

Commentary by Desiree Patno
Originally post on RISMedia


Desirée Patno is the CEO and president of Women in the Housing and Real Estate Ecosystem (NAWRB) and Desirée Patno Enterprises, Inc. (DPE), as well as chairwoman of NAWRB’s Diversity & Inclusion Leadership Council (NDILC). With 30 years of experience in housing, Patno is a champion for women’s economic growth and independence. In 2017, Entrepreneur.com named her the Highest-Ranking Woman and 4th Overall Top Real Estate Influencer to Follow. For more information, please visit www.nawrb.co

A Second Chance in the Second Chapter of Life

by Felicia M. Lopes
Twitter:  @TheBusyGal
LinkedIn:  https://www.linkedin.com/in/feliciamlopes/

There are times that your life changes suddenly.  At those time I feel like my stomach kisses my backbone and my hands start itching and aching like crazy!  I can still remember my life going into total upheaval mode when I was told unceremoniously by my boss 4 years almost to the day that I’d been hired at my job, “I’m sorry, but you’re fired!”  


A few days ago, those same feelings came rushing back at me like an avalanche as I sat in Starbucks drinking my favorite coffee, scrolling through my iPhone, when Jennifer Lopez’s new film, which is coming out this Holiday Season, came up on my news feed.  It looks hysterically funny (that’s code for I can’t wait to see it!), because as a women, now in hermid-50s, that moment in 2006 when I was 42, utterly changed my life!  I still wince from the financial aftermath — the sting of losing my job — remembering it so clearly as if it were yesterday, because it was the start of a Herculean uphill financial battle that lasted many years!

Check out the trailer below and see if it doesn’t resonate with you:

SECOND ACT Trailer (2018)

Getting back to my story.  Apparently the Executive Board had lost their contract, so, through no fault of my own, I was laid off!  As most people do after a job lay off, you start marketing yourself furiously so that you can get another job — any job to pay the bills, especially if you live in Forest Hills, Queens (NYC) where I lived at the time, and where my rent for my 2 Bedroom apartment was over $2800 a month! 

I’m a “glass is half full kind of gal”, so to tell you the truth, I was actually kind of excited and hopeful about the prospect of finding something new.  As I have a Masters from Columbia University which I’d earned only 7 years previous to that time period in my life, I figured that it would take me no more than 3-6 months to find another position.  

Sister… How wrong I was! 

To this date… I have NEVER been able to get another permanent full-time job with benefits!  I physically have documented that since 2006, I have sent out well over 2500 resumes to employers for positions for which I am absolutely qualified.  I was interviewed several times for high level positions in NYC and even called back for additional follow-up interviews at several companies – a few up to 5 times!  But every single time I was informed a few weeks later, that they’d hired someone else for the job via a letter like this…

Dear Felicia,
Thank you so much for sending us your resume and cover letter.  We enjoyed meeting you, but we regret to inform you that we are moving forward with another qualified candidate… yada, yada, yada, yada, ya ….  

You get the drift!

The ultimate humiliation came when I was told “off the record” by a well meaning head hunter, that my problem was that those hiring  want to hire people younger than me, because I reminded them of … wait for it… their “Mom” as I was now 46!  

Can you just image being told that!?!

It took me a long while, but I finally woke up and realized a truth.

The only way to guarantee income into my household, was to be in business for myself!

So after much prayer, reflection, research and re-education (I call it PrR&R), I bootstrapped my own business and I vowed to make three essential changes to my life. 

Change #1:  Develop A Positive Mental Attitude Reading Regimen

I began by putting myself on a reading regimen to “brainwash” or rather “brain flush” the negative that had permeated and manifested itself into my life up until that point.  I started reading classic positive mental attitude books like Think and Grow Rich, by Napoleon Hill, The Power of Positive Thinking, by Norman Vincent Peal, and Dale Carnegie’s How To Win Friends and Influence People.  I devoured books by successful female writers such as, Arianna Huffington’s Thrive, Fearless and Free, by Wendy Sachs, Answers Unleashed by Olympia LePoint, Womenomics, by Claire Shipman and Katty Kay, and Goddess on the Go by Leora Edut.  Ultimately, I set reading goals for myself so that I can finish at least one book every 2 weeks. 

Change #2:  Hang With and Listen to Successful Business Owners 

Additionally, as I build my business I know that the more I listen to successful people who’ve built fantastic businesses of their own, the better I become at my business.  I listen to podcasts like  The Big Shift, The Marie Forleo Podcast, Oprah’s Super Soul Conversations, and She Did It Her Way because I need the inspiration to keep on keeping on!  Additionally, I schedule into my calendar, local, regional and national meetings and conferences to go to, where I can meet  successful people and associate with them.  This way I can model their success habits into my own business. 

Change #3:  Focus on the Spiritual 

Lastly I started focusing more on the spiritual needs of my life by becoming more grateful and thankful.  I remember when this epiphany occurred.  I was sitting in my basement apartment in Santa Monica.  I had just moved there, I had no money in the bank, and I had no job.  Real inspirational success story there, right?!  What’s crazy is that I woke up and I heard God, speak to my heart and I realized that though I had nothing in the bank, I had a roof over my head, food in my belly (not one day did I go hungry) and clothes on my back – and stylish clothing at that!  Though I had no job lined up, I had hope and good prospects that some how or some way soon, He would provide for me.  I started saying to friends – tongue in cheek, “God is letting me ‘suffer’ in style while living in Santa Monica” – which is one of the most expensive areas of the country to call home! 

As I continue to build my business – now in my hometown of Dallas, Texas (that’s a whole other story for another time!) – I have come to realize that I am not alone as a middle aged female business owner.  According to New York Times writer Kerry Hannon’s 10/3/2017 Article, which is absolutely worth a read, check it out HERE, “in 2016, there were an estimated 11.3 million women-owned businesses in the United States — a 45 percent increase since 2007, according to the 2016 State of Women-Owned Businesses Report from American Express.”  The article goes on to state,…

“Female entrepreneurs, particularly those over age 50, are igniting intergenerational entrepreneurship partnerships and collaborations among women of all ages,” said Elizabeth Isele, founder and chief executive of the Global Institute for Experienced Entrepreneurship. “Intergenerational partnerships between women dispel age-related stereotypes and build strong bonds across age, race and ethnicity in our increasingly diverse workplaces,” Ms. Isele said.”

If you fit into this demographic – being a a women who wants to start your own business and you’re in your 2nd or even 3rd chapter of life being in your 40’s, 50’s, 60’s or even 70’s – take a minute to ask yourself and answer these 3 questions: 

  • When you were a young girl, lying in your backyard looking up at the stars in the sky, did you imaging living the way you are living now? 
  • Is your Income Circle as large as your Dream Circle? 
  • Can you honestly state that you are happy and financially secure with where you are in life at this stage of life? 

I believe that all Women Over 40, 50, 60 or even 70 need a second chance because 9 times out of 10, most of us did not “get it right” in our 20s and 30s and we aren’t necessarily where we dreamed we’d be at this age.

If all your answers are YES to the questions above…  then “Hooray for you!!!!  You got it right in your 20s and 30s!!”  But I bet, 90% of you have answered, NO.  

So please for your sake and for your sanity, consider starting your own business and push hard for your own dreams!  I know I did it, and though it is one of the most difficult things I’ve ever done, it is also the BEST thing I’d ever done because…

My business became my second chance in my second chapter of life and it can also be that for you!

Felicia Lopes trains and empowers Women Over 40 who want to start businesses and become entrepreneurs nationwide through her robust online learning management system which features 3 Curriculum, 8 Core Courses, and over 70 individual classes (or modules).  Join her this coming 12/20/2018 for her webinar — Cultivating the Entrepreneurial Mindset where she will walk you through the minefields and  mental hurdles most Adults Over 40 face when launching a new business.  Register here to attend this information packed webinar.