Design by Kristen Webster, Blue Sky Unltd.

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2 Copyright 2015 by Mashhur Anam and Kristen Webster All rights reserved. No part of this publication 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, without permission in writing from Life Harmonized, LLC. Design by Kristen Webster, Blue Sky Unltd.

3 Welcome Congratulations and welcome to your new reality! The simple fact that you are reading these words is exciting because it means that you are committed to creating change in your life! And more importantly, that you are taking action to achieve that goal. And there is nothing we love more than working with individuals just like YOU, who are committed to creating change! Having the awareness that something in your life needs to change is the first step in your transformation process. Too often, we feel the pull for something different, but ignore it, or use some outside force to numb ourselves or disconnect from that truth because change is scary, and it is easier to continue living our lives on auto-pilot, playing out the same scenario over and over again with no end in sight. So with that in mind, take a moment right now to celebrate yourself! Really! We mean it! Because not only did you wake-up to something that wasn t working in your life, you also, already, took massive action to shift your reality by signing up, downloading and now reading this ebook! So yeah you! Taking that kind of action means you are already leaps and bounds ahead of so many others. How many people do you know in your life who complain about the same challenges over and over again and NEVER do anything to fix them or change their situation? So are you ready? Let s play! We cannot solve our problems with the same thinking we used when we created them. ~ Albert Einstein ~ Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 1

4 1 Uncovering Your Money Truth Your visions will become clear only when you can look into your own heart. Who looks outside, dreams; who looks inside, awakes. ~ Carl Jung ~ Each of us is a unique combination of our experiences, as well as the rules and beliefs we inherited or were raised with. All of this has helped to form who we are and how we show up in the world, as well as how we respond to different situations and how we interact with our money. Everything in this world is a relationship of some form or another. Your experience with money and the lack or abundance of it, is also a relationship. In order to change this important relationship, we must first understand it. As we discussed in the beginning of this ebook change begins by first acknowledging or becoming aware that our challenges exists. Once we can appreciate that it is a part of who we are, and part of the experience we are having, we can begin the process of shifting and changing them. Your Money Personality On the pages to follow, we have provided descriptions of 4 money personalities. The Majority of us entertain aspects from each of these personalities, and it is all perfect. You are who you are. No matter where you find yourself fitting in below. Know that each personality has aspects of it that work well for you or don t. Nothing in this ebook is designed to create judgment simply awareness, because you can t change what you aren t aware of. This next section is designed to help YOU uncover what YOUR relationship with money is so you can shift yourself into the relationship you ultimately desire. So grab a pen, your sense of wonder, curiosity and playfulness. Opening to possibility and releasing your expectations or judgment will make this exploration joyful and expansive. Find a quiet place to read the descriptions on the next page and see if you recognize any your patterns and habits. Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 2

5 Penny-pincher Penny-pinchers tend to spend a lot of time worrying about their financial future, and are always working to save money for a rainy day. Money means security and stability and they are unlikely to make impulsive or unnecessary purchases. They live in a perpetual state of scarcity and lack, always looking into the future and fearing that something out of their control will happen that will leave them broke. They are often amazing at saving and can be great money managers, but all the pennypinching can cause them to miss out on the fun sometimes. Their mantra might be, A penny saved is a penny earned. If you are a Penny-pincher, you may find: You look for shortcuts or cost saving ways to participate in activities, such as renting movies at home or rarely dining out You often shop the sale rack or at thrift stores, if you shop at all You have clothing in your closets that you have had for years or a live in a house that is decorated in late-relative You drive a car that is more than 10 years old You have no unnecessary expenses, love spending wisely and find great joy watching your bank accounts grow Money Diva Money Divas LOVE to shop and are motivated by desire! In contrast to the penny-pincher, the money diva feels validated when they have things, it helps them feel important and loved. For Diva s, their status and self-worth is directly connected to their possessions. They are confident in their ability to make money and almost never think about saving. Diva s live in the present moment, love excitement, and rarely give much thought to tomorrow. Their mantra might be, You can never have enough, or YOLO - You only live once. If you are a Money Diva, you may find: You have the best of the best of everything and you love to show it off No matter how much you have, there is always room for more You love buying fabulous gifts for friends and family, but especially for yourself You have multiple credit cards and aren t afraid to use them Live on a bit of a roller-coaster, with luxury vacations and fun, and then playing catch up to pay it off It surprises you when there is more month than money Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 3

6 Later Gater Later Gaters put off just about anything and everything related to money. They frequently avoid talking about, or dealing with money in their life because they have a long held belief that they don t understand or have enough knowledge in this area. It is not uncommon for the Later Gaters to put off important financial matters including retirement, wills, or investing and may not even know how much money they currently have in their bank accounts or how much they owe to anyone. Their mantra might be, I ll take care of that tomorrow. If you are a Later Gator, you may find: You almost never balance or look at your check book, and have stacks of unpaid bills You wait until the last minute, and then maybe a little longer before you deal with your financial matters You avoid conversations with people, including yourself, when they are about money Your finances and possibly your home are in disarray or disrepair Spiritualist Many Spiritualists believe that money is the cause of all of most of the problems in the world. They often hold a deep belief that it is not righteous, safe, ethical or necessary to have a lot of money. Their mantra might be, Money is the root of all evil, or Money doesn t buy you happiness, and feel that it is greedy to want, have or charge for their services, especially if that service is considered to be a Divine gift such as being a healer, artist, missionary or other similar professions. If you are a Spiritualist, you may find: You turn away money offered to you from friends, family or even clients You often go without so others can have, or you give your services away for free You find ways to give back more than you take or that it s difficult to ask for a raise You feel that money often corrupts or makes people bad, snobby, or rude You usually live paycheck to paycheck, and if you experience a windfall, you quickly give it away My primary money personality is: c Great, now that you have gained a better understanding why you have some of the behaviors you do, let s go a little bit deeper. The next section of this ebook is designed to help you get clarity about exactly where you are RIGHT NOW in your financial story so that you can begin to shift it. Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 4

7 Use this section to jot down any awarenesses you had as you were exploring your money personality type. What do you like about what you uncovered and what would you like to work on or change? Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 5

8 2 Getting Clear There are only two mistakes one can make along the road to truth; not going all the way, and not starting. ~ Buddha ~ Welcome to section two Getting Clear. This section is designed to help you understand where you are RIGHT NOW. Often we keep things in our head and create stories around what the truth is. In your mind, you can hide from the truth, and it may even seem like everything is working together to take you toward your desires, but that is not always the case. Being honest with where you are and then writing down the details can reveal some very real truths about your situation. It can help you begin to see your patterns and habits more clearly. And it can help you uncover details you have overlooked or ignored, as well as big decisions that you my be avoiding because they feel intimidating, overwhelming or unattainable. As you begin to write down your true story, it will help you to determine a plan of action to begin to transform your financial situation and increase your income. On the following pages, you will find a Getting Clear Worksheet. Don t hold back or hide anything as you are filling it out, but don t play a blame game here. You are the only one who is going to see this. This is for you, by you and there is no one that you need to justify this to. This is about YOU taking radical and determined action to change your financial future for the better once and for all. Imagine filling out this worksheet for a financial planner who would read it, get a good idea about your finances and will provide you guidance and options. Approach it from a neutral point of view and remember, getting clear is your first step once you know exactly where you are, you can figure out what needs to change. Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 6

9 Assessment m Financial m Relationship m Health/Wellness m Travel/Recreation How would you describe your current FINANCIAL state (income, savings, investments, beliefs, etc.)? What is your current income? What is your current savings? m Growth/ Spirituality What are your current expenses? What are your feelings about your current Financial State? Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 7

10 What are some of your beliefs about money? Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 8

11 3 Creating an Inspired Action Plan A dream becomes reality when consistent and inspired action is taken daily toward its achievement. ~ Bo Bennett ~ Now that you have clarity, you are ready to create some massive momentum for yourself! On next few pages, you will find an Inspired Action Plan Worksheet that is designed to help you get really clear and specific about what it is that you would like to create. As with all of the processes in this ebook, it is important to let yourself expand into new possibilities as well as create actions that will stretch you. To take the first step in accomplishing this goal, begin to think about what you would love to experience or create in your life. As you begin to fill out the next few pages, put yourself in the mind-set of having already completed them. What would your life look like and how would it feel like when you have accomplished this goal? Begin to play in the vibration of what you would love to experience now... Make sure to complete the worksheet. It will then become a blueprint for your subconscious and help guide and direct you on your path. The next two pages will provide you with a sample of ways you can play with the worksheets. You will also find a blank worksheet after that. Happy creating! Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 9

12 Describe ONE goal you would like to achieve: I would like to consistently earn $1500 extra per month Why is it important for you to achieve this goal? This money will help me live a healthier and organic lifestyle, go to vacation 2-3 times a year, choose items that I like, release my worries, be less concerned about the price of grocery, gas or everyday items, focus more on abundance, provide my family with more choices, spend some money for charity, have mental peace, be more joyful and focus more on my dreams and move closer to creating my dream life. SAMPLE What does your life look/feel like once you achieve your goal? (Describe in detail and use present tense) I feel good about myself. I launched my new coaching program to help people create extra time and money. I meditate 30 minutes a day and focus on my dream life. I have more confidence on my abilities and I can now manifest faster. I just came back from a 1-week vacation in Cancun, Mexico. I buy healthy and organic food and groceries. I have paid off 1 credit card completely. I stopped watching news and most programs on TV and reading newspaper. I am choosing to only watch or read what raises my vibration and makes me feel good. I am focusing more on my new 1 year goal to manifest a bigger home. I am focusing on attracting $2500 extra per month within the next 4 months. I can teach others and help to change their lives. Everyday life becomes more magical. I am attracting new clients each week out of the blue. I am thrilled about my future. Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 10

13 What action steps are required for you to reach this goal and what is the order of priority? Priority Action Step 1 Watching less TV. This creates 8 extra hours per week to work on my abundance 2 Limit FB, YouTube, browsing & social media to 30 min/day. Creating 6 extra hours/ week to work on myself and nurture my life. 6 Walk and exercise more to have a healthy body and to clear my head to focus 8 Meditate 30 minutes daily to attract new solutions 5 Focus on my ideal life vision and create an abundant mindset 3 Create everything first on my Life Resort Platform 7 Spend 1-2 hours a day on creating my new program 4 Find someone who can build a clean WordPress website for my product(s)/coaching 9 Offer free program/session/coaching to people for 30 days to enhance skills and get more testimonials 10 Begin to build a database of subscribers by giving them valuable service 11 Attract 12 paid clients per month 12 Create a PayPal account What resources, help or people do you need to enlist in order to achieve this goal? Web developer database service PayPal account Copy Writer/Editor YouTube Channel Video person SAMPLE How will you know/how will you feel once you have achieved this goal? Once I have launched my website and have made $1,500 extra per month for 3 months, I will know that I have successfully achieved my goal. I will also know that I accomplished it because I will have more energy in my body, and be motivated and inspired to accomplish more! Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 11

14 Describe ONE goal you would like to achieve: Why is it important for you to achieve this goal? What does your life look/feel like once you achieve your goal? (Describe in detail and use present tense) Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 12

15 What action steps are required for you to reach this goal and what is the order of priority? Priority Action Step What resources, help or people do you need to enlist in order to achieve this goal? How will you know/how will you feel once you have achieved this goal? Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 13

16 If you have made it to this point of the ebook and completed all of the sections, congratulations! Your commitment to radically changing your financial matrix and rocking out your new abundant life is stellar! So give yourself a HUGE congratulatory hug! You totally deserve it. And we want to share with you one more thought before we go, which is: Everything we hear is an opinion, not a fact. Everything we see is a perspective, not the truth. ~ Marcus Aurelius ~ Moving Forward We have heard it said that we become the average of the 10 closest people in our lives, and our own experience has proven this to be true. It is imperative for your success that you find people who are traveling in your direction and can support and nurture your dreams. To the end, we have created an amazingly powerful community and series of classes designed to help you achieve all the success and abundance you desire in your life, including: Unlock tools and processes to design your ideal life. Unlock Your Abundance Matrix: Rewrite Your Abundance Stories A full immersion program designed to help you to identify and shift your limiting beliefs, patterns and challenges faster. You will work with our unique During this program you will experience: Daily journeys (meditations, integrations and processing) to help you reach a deeper level of understanding, transform your trapped or blocked energies and speed up your ability to manifest Weekly interactive coaching calls to help you integrate and learn powerful new ways to create major shifts and changes in your life A unique set of Holograpic Tools and processes that will help you to identify and shift your limiting beliefs and patterns as well as design and create your new reality A Community forum like no other. Play with your soul sisters and brothers and receive support, love and the encouragement and inspiration to succeed A NEW Class begins this June - visit to find out more! You are the creator of your reality and are capable of accomplishing great things with the right guidance, love and support. We hope that this ebook has been a powerful starting point for you and look forward to connection with you more over the next few weeks, months and years. To find out more about our products and services, please visit In love, light and abundance, Kristen & Mashhur Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 14

17 Bonus Section Accelerating Your Financial Freedom To accomplish great things, we must not only dream, but also act; not only plan, but also believe. ~ Anatole France ~ Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 15

18 Now that you have made a commitment to become a cocreator with the Universe, rather than being codependent on the Universe, let s take some practical steps toward accelerating your financial freedom. Many of us, over the years have acquired debt in one form or another. Form example, you may have a mortgage, credit cards, or any variety of loan such as student loan, personal loans, home equity etc. But fear not! I d like to encourage you to take a moment and breathe into the powerful creator that you are. Let s look at this from a different perspective for a moment. Think of it like this if you were truly not abundant you would never be able to get a loan, or any form of leveraged abundance EVER! So from this point on, let s celebrate the alternate form of abundance you have created for yourself and develop a plan for you to pay it off quickly. Money, in the form of debt or loans are simply the extension of abundance from the Universe that has come to you in a different way because you had created a codependency on the Universe rather than embracing your role as a cocreator! But now it is time to take back your power! It s okay! Really!! As we mentioned in the beginning of this ebook, you can t change a pattern or habit until you recognize it, and perhaps up until this point, you didn t recognize it. But, now that you do, let s work to change that! Here s how we are going to do it: First things first, gather together all of the documentation you have regarding any loans or credit statements that you have on hand. (This means everything!!) Once you have collected those documents, begin to list the details in the grid below. Lender Balance Monthly Payment Months to Payoff Priority Example: American Express $6,765 $ mos. 2 Example: Discover $1,597 $ mos. 1. Enter the information from your statements (as noted in the example). 2. Once you have entered your information, begin to prioritize each of the items either by number of months required to pay off or amount of monthly payment. Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 16

19 Great job!! Now that you have accomplished that, here comes the fun part! Below you will find an example for how to pay down your leveraged abundance (aka: debt) using the income you are making right now! First, some credit card basics: Paying only the minimum on your credit card means it will take a VERY LONG time to pay it off AND it the interest you pay will cost you double, triple or even quadruple the amount you spent in the first place! (See illustration below) But, here is the good news! Adding even a small amount more to your monthly payments can have a huge impact. NOTE: You will find this information on the front page of each of your credit card statements! But most people never even pay attention to it. 1. In this example, the balance on the card is $6, and the MINIMUM MONTHLY PAYMENT is $ At the bottom section of this box, it shows you how long it will take you to pay off this credit card making ONLY the minimum payment and assuming YOU MAKE NO ADDITIONAL PURCHASES. In this case it would take you 13 YEARS! 3. You will also pay 1 and 1/2 times the amount of your original purchases in interest. So that new item you absolutely HAD TO HAVE because it was on sale and such an amazing deal, isn t costing you what you thought. The truth is, it is costing way more than that!! But here is the good news!! 1. Take another look at the example above. In the second section of the table, you ll see that your credit card company has calculated a different amount you can pay per month that can save you considerably! In this example that number is $ If you were to pay that amount every month instead of the minimum, you would cut your payoff time by 10 YEARS, and save over $2,000 in interest. 3. And, the most amazing part is... the amount they are suggesting amounts to only $26 more a month!!! So, what do you say? Are you ready to find an extra $26 in your budget every month? Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 17

20 Applying the Accelerated Financial Freedom Matrix Now that you have collected the information you need regarding all of your loans or credit cards, listed them in the first section of this document, and given them a payoff priority, let s begin creating some magic! Please Note: In the examples below, the numbers represented do not reflect interest. It is okay, trust the process. The interest amount gets absorbed by the accelerated formula we are applying, so don t get caught up in the details or over think it. This chart is not meant to represent exact numbers, but instead give you a ball park idea of how quickly you can create financial freedom for yourself. Calculating your future 1. Using the blank worksheet on the next page, copy over the information you entered on the worksheet on page 1 in order of payoff priority. 2. Determine what your new AFFM Payment amount will be. In other words, how much more can you comfortably afford to add to your minimum monthly payment in order to increase the speed in which you pay off your credit cards or loan. 3. YOU ONLY NEED TO ADD THIS AMOUNT TO YOUR FIRST LOAN. This is important!! You MUST pay only the minimum amounts on all of the other loans until the first one is paid off! Otherwise you will diffuse the impact of this process and not achieve your goal as quickly. The process will begin slowly at first, but then quickly picks up speed! 4. Once you have determined what your new AFFM amount will be, add it to the monthly payment of your FIRST priority payoff. Using example 1, the current monthly payment is $144 and the AFFM is $21, making the new payment $163 a month. Keep the momentum going Once you have completed your first payoff, it is important to keep the momentum going!! Now you are going to create a snowball effect with your money. To do this, the steps are simple. 1. Since your budget has already been established to include your initial AFFM amount, keep it going. 2. Take the amount you were paying on your first loan and add it to the minimum balance on the second loan. (See example 2 below) Now, instead of paying $377 a month you are going to add $163 and your new payment amount will be $540. By doing this, you (for this example) have cut down your total payment time by 30% and saved hundreds in interest. 3. As each loan is paid off, continue applying the same principle until you are complete! Lender Balance Monthly Months to AFFM New Payment Payoff Payment Track DONE! Example: Discover $1,597 $ mos. +$21 / ($163) 10 mos. Example: American Express $6,765 $ mos. +$163 / ($540) 12.5 mos. Example: Student Loan $17,711 $ mos. +$540 / ($1,150) 15 mos. Example: Car Loan $28,657 $ mos. +$1,150/($1,527) 18 mos. (Tip: If you are currently paying more than the minimum amount on any other loans or credit cards, transfer that amount to your AFFM payment, it will help you build a critical mass sooner.) Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 18

21 Creating Your Accelerate Financial Freedom Matrix I am committed to paying my new AFFM Amount of: $ each month! Lender Balance Monthly Months to AFFM New Payment Payoff Payment Track DONE! Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 19

22 A Few Tips and Tricks for Applying the Accelerated Financial Freedom Matrix This process can move you faster into financial freedom than anything else we know of! And here are a few ways you may want to explore in order to maintain your momentum. 1. Whenever possible, put as much money as you can toward paying off your FIRST PRIORITY credit card or loan. (Feel free to add more to the amount each month if you find you have some extra cash on hand!) 2. Cut up your existing credit cards! Have a celebration, and a declare to the Universe that you are no longer playing the old way! 3. As soon as you pay off one credit card (or sooner) call and cancel it. If you are feeling particularly brave, you can call and cancel it immediately. 4. If you don t have them, you can t use them. (Unless you ve memorized the number, in which case you may want to call and cancel it.) Moving out of reliance on your cards shows the Universe that you are committed to making a significant change in how you are showing up in your life! 5. If you NEED to keep one card on hand... Do. A good way to keep one card on hand for EMERGENCY USE ONLY and ensure you don t use it is to store it in a metal coffee can filled with water that you then place in the freezer. The reason is simple. It s not so easy to use if you re having an impulse moment. Metal can t go in the microwave, and it takes a while for a chunk of ice that size to thaw out, and both of these things give you time to rethink your purchase. 6. Have fun with the process. Make it a game. Feel the excitement of returning this energy you borrowed to the Universe. You are creating space for yourself for something better to come in! 7. Don t stop when you are done! Once your loans are paid off, use the amount you have been putting toward your payments each month into savings. If you want to celebrate your accomplishment, decide on the amount you are willing to spend, celebrate and then get back into the flow quickly. The more time you delay, the easier it is to lose your momentum. Watching your savings accounts grow each month and feeling the joy of the banks now paying you is intoxicating!!! 8. Make a commitment to living a cash based life from now on! Whenever possible, PAY CASH. Or leverage credit cards to your advantage. If you have a card that gives you cash back or bonus point, use it. Just make sure to pay it off at the end of each month so you don t begin accumulating a balance again!! That defeats the purpose (from the consumers perspective of course, not the stores or lenders!) 9. Many stores offer cards that give you 5% off when you use them. So use them!! But before you leave the store, go over to the customer service desk and pay back the amount you just put on your card. 10. As you are paying down some of your loans, set as many of them as possible on autopilot. Use your online banking options to make your payments for you so you are not constantly giving energy to it. Set it and forget whereever it is possible for you to do so! Have fun and play with this... it can be really exciting to recognize that you are actually in charge of creating your new financial reality! Copyright 2015 Life Harmonized, LLC / Sonergeia, LLC All rights reserved 20

23 Join us June 18th for an all NEW Program Visit to find out more! LLC Mashhur Anam Life Harmonized, LLC Kristen Webster Sonergeia, LLC / Godeliciousness Kristen@Godeliciousness.com