How Your Money Mindset is Killing Your Business

How Your Money Mindset is Killing Your Business


How Your Money Mindset is Killing Your Business



Have you ever thought that it’s hard to make money?

What about feeling guilty for charging higher prices for your work?

Or have you ever thought that if you did raise your prices, you’d never find more clients?

Unfortunately, we’ve all thought something along those lines at one point or another.

But the good news is this – that negative money mindset is a false one. And we can change it.

So, let’s show you just how to do that – so that you can enjoy your business, you can make money, and you can see the positive, lasting impact you can leave on the world.




Start by Recognizing That Harmful Money Mindset

The first thing we need to do is recognize a harmful money mindset when it happens. Here are some of the most common ones I’ve encountered (and I’ve encountered them a lot, because they’re so common):

  • It’s hard to make money.
  • People don’t want to pay for my services.
  • People are just looking for the cheapest deal they can find.
  • I feel guilty charging higher prices.
  • If I raise my prices, I will never find any clients.
  • It’s not really about the money.

These aren’t just negative money mindsets. They’re money blocks. They’re thoughts that are actively killing your business. So, let’s make sure that your business doesn’t devolve into an expensive hobby – by adjusting your mindset just a bit.


Stop the Negative, Untrue Statements with Facts

While each of those negative thoughts hits each one of us, it’s important to take a step back and evaluate them. In other words, let’s look at the data.

  • Is it actually hard for you to make money? Or is it just a rough day?
  • Are clients paying you for your services?
  • Do you really believe people are only looking for the cheapest deal? Or are they looking for customer service and that personal touch, too?
  • What do your clients have to say about the value you bring to them?
  • Really? Be cautious with the word “never.”
  • It’s okay to make money – because then you can help more people!

Do you see the slight adjustment we’re making here? Instead of falling victim to those awful yet common negative thoughts, we’re fighting them with facts and data! That way, you’re seeing the true, intrinsic worth that your business has to offer people.

And, in fact, I’ve got one more exercise for you to really help this sink in so that your money mindset shifts completely.


Ditch the Guilt, Change Your Money Mindset, and See What You’re Actually Doing

One of the most valuable exercises you can do is to become a story collector. Ask your current (or past) clients this important question:

”I really want to find more clients just like you. I love what’s happened since we’ve worked together.

Can you share your story, and what brought you the most value?”

This is more than just collecting testimonials – although you’re doing that, too! It’s helping you to see the value you’re bringing to your clients.

Because that way you’ve got the hard facts and data you need to keep yourself motivated, enthused, and seeing how your unique insights are helping the world. It’s how you’re going to be able to do bigger and better things in the world.


Do you want more help shifting your mentality so that your business thrives? Let me be your second opinion. Come join my free Facebook group, the Make More Money Insiders Club.


Let's get to your mindset about money!

Posted by Lori Hildebrand on Tuesday, October 2, 2018

Ways to Overcome Money Block and Earn a Better Income Now

Ways to Overcome Money Block and Earn a Better Income Now

Have you ever struggled with pricing your products or services? If so, you’re not alone. A lot of people struggle with it. It’s called the money block. But here’s the thing – you don’t have to struggle with it. Why? Because the money block is a mentality that can be shifted.

Overcome the Money Block – with these 3 Simple Tricks

But before we go into that, have you ever met with a group of people that truly inspire and motivate you? Those are the best groups, aren’t they? That’s part of why I love meeting with my private, VIP mastermind group every month – they are some of the best clients and people I’ve ever had the privilege of working with.

In that mastermind, we recently discussed this very issue. There, we discussed many ways to shift your mentality to overcome the money block. Because this issue is so prevalent and important, let’s go through 3 of those tricks together right now.

1. Adjust your mindset: money is simply a tool to facilitate the exchange of value

Money is just a tool. In and of itself, it’s neither good nor bad. It’s just a tool that use to function more smoothly as a society. It’s just a tool that was designed to make the exchange of goods, services, products, and value easier. Bartering has a place, but money really does make things much easier, doesn’t it?

But we have to remember that money is simply a tool. It’s a way to measure value – not give it.

So here’s what we have to do: we have to realize that our goods, services, and products have value. And that it’s okay to buy into the fact that their value can be reflected in a monetary amount. There’s nothing wrong with that. In fact, it’s the easiest, simplest way for everyone – both you and your clients. And that leads us to our second trick: talking to our clients.

2. Better recognize the value you offer clients – by talking to your clients

Have you ever interviewed past clients? Questions like:

Why did they come to you?

Why did they choose your products or services? 

And how did that choice impact their life?

In other words, you want to know: Why did they use your solution? And why was that valuable to them?

If you’ve already done this, that’s fantastic – because it gives you a great sense of the value that you offer your community.

If not, here’s what you do. Go back to the people you’ve worked with in the past and say, “Hey, you’ve been one of my best clients. I really love working with you. I’m looking at growing my business and would love to have more people just like you. Can I ask you a few questions?”

And since you’re asking a trusted, respected, and established client, they’re going to be more than willing to talk to you. Why? Because they already love you!

Now, as you begin to talk with your clients, you’re going to begin to get answers that make you realize this simple truth:

”Holy cow. I’m actually doing something really great in the world. What I do has phenomenal value, and is impacting lives.”

And that’s the key to buying-in to your own services and products, which is our third trick.

3. Actively buy-in to your own services and products, so that you can better understand and serve your clients

When you begin to see the immense value you offer, it changes your mindset. It deepens your commitment to what you already do, and increases the value and impact that you have to offer.

Now, a quick caveat. If you aren’t already “practicing what you preach,” or doing what you teach and sell, change that immediately. Why? Because if you aren’t actively participating in the same things you’re promoting, you’re subconsciously cutting yourself off from your target audience.

By using your own services, though, you’re being proactive about buying-in to your value. You’ll be in the same mindset as your clients; you’ll be able to better connect with them; and you’ll be better able to guide them through your processes.

Doing this will greatly increase the inherent value in what you’re already offering people. And that means it’ll be easier for you to see – and own – that value.

Breaking the Money Block – at last!

Now that you see the light at the end of the tunnel, it’s time to go back to the initial point: that it’s okay to see, own, and proudly admit the value you bring to the lives of others.

Choosing not to see it is definitely an option. It’s the path that many people take, as they keep running their business as an expensive side hobby. But that’s not the route you want, is it?

Instead, you want to run your business like a business. You want to see a profit, because you want to live a comfortable life. And so you’re choosing to make the mindset shift to get past the money block. Because this is the path to a successful business and life. You’ll be able to reap the benefits, both monetary and otherwise, for the value you’re already giving people.

Because do you know what? It’s okay to ask for and get evidence that you are doing good things in the world. And it’s okay to receive money for it. Your clients see your value – so let’s help you see it, too.

Do you need some help shifting your mentality so that your business thrives? Let me be your second opinion. If you’re ready to go from entrepreneur to six-figure salary, then let’s chat.



Let's talk Money Blocks!

Let's talk about your Money Blocks!

Posted by Lori Hildebrand on Wednesday, March 28, 2018

How a Second Opinion Changes Your Perspective and Business

How a Second Opinion Changes Your Perspective and Business

Picture this all-too familiar scene: you’re driving in your car and you notice a blinking light on your dash. One of those wonderful check-something lights comes on. And, since those lights always manage to come on at the most inconvenient times, you’re also developing a knot in your stomach. And on top of that, sometimes dealing with car issues can be stressful. Especially when you know you ought to get a second opinion (or three or four), but you’re worried about time, finances, and current obligations.

Even so, let’s adjust that mindset so that you are able to handle these everyday situations with ease – whether at home or at work.

Take Control of the Situation and Get a Second Opinion

The above scenario is one that happens to each of us regularly. Recently, when I had a “check tire” light come on, I dutifully drove it in to a local tire shop to get things checked out. I expected this to be a pretty quick visit to re-inflate the tires, double check the tread, and be sent on my way. However, the technicians advised me that one tire heavily damaged and that should I hit a curb it was likely to explode. They advised immediate replacement of all four tires.

Only a few years ago, this scenario would have left me in tears, scrambling to adjust funds, and trying to figure out which credit card I should use. Thankfully, this wasn’t a few years ago. Instead, I took my boyfriend’s advice and got a second opinion from his tire shop. The first shop was fine; but this second shop was a far better experience, value, and overall warranty. Guess which shop I picked? That’s right – I bought tires from the second.

The difference I’ve learned, over the years, is that pausing to get a second opinion isn’t a hassle or a “problem”. It’s part of the problem-solving process. Because when you go get that second opinion, it allows you to take control of your situation.

Compare your Options to Choose the Best One for You

Once you’ve obtained that second opinion, now you’ve got choices.

Well, to be fair, you have several choices before you got that second opinion – even if you didn’t realize it! With my tires, for example, at the first shop I could choose to buy from that shop, or I could go elsewhere. Thankfully, my car was still drivable. If it hadn’t been, towing it elsewhere or making calls to other shops would have been viable options.

But after I visited the second shop, I had two quotes to work with. From there, I could evaluate the quality of the tires being purchased, the warranties on them, and the final price.

Realizing that those choices exist, though, is a huge step towards adjusting your mentality – both in life and in business.

Your Mentality is Everything in Business and in Life

Now, how was this paradigm or mentality shift possible?

The first step is realizing that it can happen!

The second part of it is being prepared. Remember how I mentioned that years ago this exact scenario would have given me a panic attack? That’s because I lacked the experience and wisdom to be prepared for those things. Thankfully, though, I learned to be prepared for exactly these kinds of scenarios.

What I do now is this: I have money set aside for surprise purchases like these. And, because I’ve already got money set aside, I’m able to handle things more confidently.

In fact, here’s a little secret: because I’ve got the money set aside already, I actually use my credit card to pay for these kinds of purchases. Then, I make sure I pay them off immediately so that I’m not paying any interest or other fees. Finally, I collect airline miles off of those credit cards – airline miles that I can then use to travel. Have I mentioned how much I love traveling?

Okay, so that little secret is a great way to accumulate extra perks (like airline miles!) – but only if you’ve already got the funds to pay off your purchases. Otherwise, the interest and fees are not worth it.

Finally, once you realize that your mentality is shifting, watch how much more you’re getting out of life. Both in your personal life and in business, you’ll see more control, more options, and more success.

Do you need some help shifting your mentality so that your business thrives? Let me be your second opinion. If you’re ready to go from entrepreneur to six-figure salary, then let’s chat.


Emergency expenses and a little change of plans today!

Posted by Lori Hildebrand on Thursday, February 8, 2018

3 Steps to an Effective, Simple Business Plan (and a Six-Figure Business)

3 Steps to an Effective, Simple Business Plan (and a Six-Figure Business)

Without a solid, simple business plan, life truly is like a box of chocolates: you never know what you’re going to get. You won’t know what’s coming, how to get there, or how to make the changes you need to achieve your goals. But here’s the good news: a simple business plan is easy to write so that you can achieve that six-figure business goal. So let’s get your business on track for a six-figure year, okay?

How to Write a Six-Figure, Simple Business Plan

Before we jump into each step, let’s take a quick step back. Because business plans are highly personalized, it’s important to know that this 3 step process is a solid foundation, but it’s not the whole house. That’s why so many successful entrepreneurs turn to a mastermind group or a coach. It’s easier to build a whole house with a support group! With a knowledgeable coach and mastermind group to support you, you’ll be able to tease out the details that escape the other entrepreneurs who rush in without backup. And it’s these details that help you create the freedom you’ve been looking for: to make more money; to make a bigger difference in the lives of your clients; to have more time; and to run a business that you love from the bottom up. In other words, go through this process. And then rely on your coach, your mastermind group, and your support system. Because it’s going to take work, insight, and inspiration to get it right.

Step 1: Determine Your Vision

Imagine your life 3 years from now. Now, write down what that looks like, because we’re going to take this vision and work backwards from it… so that we can transform this vision of yours into a reality. Write down how old you’ll be. Write down what your family looks like: how old each member is, how many kids or grandkids or nieces and nephews you’ll have. What do your relationships look like? What kind of traveling do you do? Where do you live? What does your income look like? How do you feel about this 3-year- in-the- future version of yourself?

Step 2: Make Your Decision

Now that we’ve got your vision, step 2 is simple. You simply have to decide that there is no Plan B. You are willing to work to achieve your dreams and goals. And you’re willing to give your vision an outside power in order to give it life. In other words, you’re going to quit treating your business like a hobby. You’re going to quit giving time and power to those who don’t value your contributions. And you’re going to assign a dollar amount to your annual income. From there, we can break it down into how much you need to earn each quarter, each month, each week, and each day in order to achieve that goal. From there, we need to decide that it’s okay to say “NO.” It’s okay to not serve everybody who comes in and asks for help, because that’s not how business works.

“Why not try to serve everyone? Well, it’s like trying to cook spaghetti without setting a timer. You’ll be throwing spaghetti at the wall trying to guess if it’s done – and you’ll guess right some of the time, but you’ll always end up with a filthy, frustrated wall.”

Your business is designed to fulfill a need in the market – and not everyone has that particular need. And that’s okay. So instead, let’s focus on serving the people you can help – and fulfill that business niche only you can fill. This way, you can focus on offering a specific set of skills, services, and products. Now, it’s time to take action.

Step 3: Plan Your Action

It’s time to determine your “Income Producing Activities” (or IPA’s). We all have 24 hours in a day, and we all have multiple demands on our time. However, attending yet another meeting or sitting at your desk doesn’t usually generate revenue for your business (or you!). So instead, let’s grab an accountability partner or a coach and plan how to spend our mornings. When you know what your IPA’s are, you can plan your calendar so that you can accomplish amazing amounts of work in unbelievably short amounts of time. For example, I know many single mothers (with kids in school) who only have a few hours to work from home. Plus, they’re also juggling kids’ activities, housework, and the billion other things on their to-do lists. But these amazing entrepreneurs know their IPA’s. And so they can reach their goals and earn a great income – and still be there for their children by the time the bus brings them back in the early afternoon.

Know your IPA’s. Use those IPA’s. And you’ll be able to transform your business into a six-figure company, too.

Do you need some help turning your simple business plan into a working business model? Let’s take a look together,
find the holes, and see where we can do better together. If you’re ready to go from expensive hobby to six-figure salary,
then you can reach me here to chat.


A Business Plan That Actually Works… Shocking I know!

A Business Plan That Works! .. Shocking I know

Posted by Lori Hildebrand on Wednesday, January 3, 2018

Business Transitioning: Take back your Monday

Business Transitioning: Take back your Monday

I want to share a quick tip about business transitioning. I’ve got a lot of clients who are actively transitioning from the corporate world into their full-time business now that they’ve ramped it up, and they are on the verge of getting ready to take that leap, just like I did to leave my six-figure corporate job and creating a business that I love.

One thing that I do is taking back my Monday mornings. I’m often asked, “How do you manage your schedule? How do you fit everything in?” And it does take a lot of planning. It does take a lot of really conscious effort to do that, but like I said, one thing that I love to do is really take back my Monday mornings. I always hated Monday mornings when I was in the corporate world, and I didn’t like how that felt. So I love to use my Mondays as my time. This is where I get my errands done, Monday morning is for me … I’ve already planned my week out, I usually do that Sunday night or maybe really early Monday morning, but I use my Mondays for me, and I get my laundry, I get my grocery shopping, I get errands done, I might meet a friend for coffee. It’s my time. I don’t put a lot of pressure on myself, but that way I get things off my mind for the week, my personal errands, my things were done. So Mondays are very low-pressure for me.

Monday afternoon I usually am ready to get into some productivity, but Monday morning I just kind of get those things out of the way, and I love my Mondays now. So it sets me up for a great week, it relieves the guilt that I’m not being pulled in a million directions all week long. It actually took a lot of self-reflection and a lot of effort for me to do that and not feel guilty thinking, “Oh my gosh, it’s Monday, I have to be working.” But that doesn’t work for me anymore. I want you to just understand that it’s okay to create a schedule that works for you, whether your past life, your corporate job says that it works or not, it’s what works for you. That’s the purpose of being a business for yourself is to make that work.

So if Mondays are painful for you, maybe give this a try. It has worked for me for quite a while, and it really does make a difference so that I am ready to be really productive the rest of the week because I’ve gotten all my personal stuff out of the way. Hope that helps, give it a shot if it does.


Take back your Monday! A little pre-Nordstrom love note about creating a schedule that works for you…

Posted by Lori Hildebrand on Monday, June 12, 2017

Always late for the party? Here’s how to change that habit.

Always late for the party? Here’s how to change that habit.

Lateness drives me batty. I live in a state that is notorious for lateness, it’s practically the standard here that if you say you are to be somewhere at 6:00pm, everyone translates that to “6:00-ish and heavy on the ‘ish’ “.  However, if you are working with clients, going to work, showing up for meetings, or even arriving for parent/teacher conference (and they have back to back 15 minute windows scheduled with each parent, for the love be on time!!) Holy hell, this drives me nuts.   But, I realize there are always reasons why someone is late (slept too long, couldn’t find keys, traffic, kids are like hurding cats, yadda yadda.  I also realize that THERE IS ALWAYS A REASON, and I am not immune to these lateness obstacles, I just plan for them.

So, how can you start changing your lateness habit once and for all? Work backwards…..

Arrive at 6:00pm

5:40pm –  It takes 20 minutes to drive to your location (without any traffic or problems)

5:10pm – I need 30 minutes to get myself ready (45 if washing hair)

4:55pm –  I need 15 minutes to keep kids focused and be sure they are ready to get out the door

4:40pm – Add 10-15 minutes for the always unexpected traffic (Really? You were surprised there was slow traffic? Really?)

4:35pm – Add 5 minutes for that kids that always, ALWAYS, needs to poop right as we are walking out the door

4:30pm – Add 5 minutes to gather what you need – keys, notebooks, forms, shoes, sunglasses, whatever you usually scramble to find

So, the time that you stop what your doing, and start getting ready to be at your 6:00pm location? 4:30pm.  Surprised? This is why you’re late. Habits take focus to change, to replace with a new habit of working backwards.

Being on time shows respect and creates so much less stress! I’m a fan of doing anything to reduce stress.

Working a backwards timeline becomes second nature when you are conscious about doing it initally.  I talk through this process out loud around my kids all the time, so they know we don’t live in a world where teleporting is a real thing yet (although when it is, I’m sure lateness will still happen!) and we need to give ourselves time to be on time.

This ninja move can work for everyday events, but you can also use it to create a long term action plan. This long term version is discussed in another post, so for now, practice this now and get in the habit of being on time! You’ll thank me later.