Are you adding or subtracting money? Identify your money set point

How is Your Money Feelings

Dennise Williams

Sunday, March 18, 2018

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I am going to guess that we all would be happy to win the lotto or have some large sum of money drop in our lap. However, in our day-to-day lives, where are we when we ask how our money is feeling? Is it feeling large and expansive or “not enough” and “less than”?

Well to find out exactly how much money you believe you deserve, life coach Lorraine Cohen offers a formula so you know exactly where your dollar is.


The formula is to take the last 12 months, month by month, to look at the last 12 months of money that you have brought in. You want to count, it all counts no matter where it came from, even found on street, gift money, birthday money, money from a spouse, money from a job, it doesn't matter, it all counts.

Cohen says, “And you look at how much you brought in, just gross income, month by month for the last 12 months. Choose the five highest months, add them up and then divide by 5. That's going to give you a high average.

“And the reason it's five (I have people ask me this all the time) is because it kinds of balances out the extreme highs and extreme lows. That's going to give you your high average. That is the dollar amount, where your current, that internal subconscious money set point is set to. I could check in with somebody a year from now and if they haven't really done anything different, you know they sort of just keep going along, they're not really getting into that discomfort zone, they're not getting mentoring, they're not attending events or reading, they're going to be plus or minus a little bit, but pretty much at the same dollar amount.”

Now, depending on your answer, you may be adding or subtracting money from your life. Cohen explains further.

Five ways you might be pushing money away:

1. Devaluing your products and services by not charging enough. Be willing to raise your prices and eliminate discounts. Offer incentives instead.

2. Not having strong boundaries for yourself and your business. Breaking self-agreements, disregarding your needs and self-care affects your self-worth which directly impacts your flow of abundance. Work on cultivating a love affair with you.

3. Programmes and beliefs operating at the subconscious level. If you've been trying to break through fears, lifting your self-worth, and overcoming self-sabotage with limited success, get help clearing them. You're too close to your stuff and getting in your own way. Modalities such as hypnosis, Theta Healing, and NLP have helped thousands of people shift their beliefs at the subconscious level and resolve the past. Be willing to let go of the reasons, excuses, and rationalisation you use to hide out in your life and keep struggling even if it means being uncomfortable. You're not here to play small.

4. Trying to grow yourself and your business alone. Successfull entrepreneurs and business people have mentors, mastermind groups, coaches, and teams of people to support them. Do you? Think you can't afford it? You can't afford not to get help. Every day you make money decisions and if you are not able to hire someone right away, begin socking some money away now to build up a fund! Bartering for services might also be san option.

5. Being tight-fisted. When dealing with financial challenges of scarcity and lack, a common reaction is to constrict in fear. Working with Universal Laws such as Attraction, Cause and Effect, Creation…reminds us that “we must give what we most want to receive”. What we grasp tightly or hoard in fear will only create more of the same that is undesired.

Be willing to donate, tithe with people who spiritually feed your spirit, and share your abundance with others. Do it now.

Dennise Williams, MBA (Banking & Finance) is a journalist, TV producer, certified practioner NLP coach and has 15 years experience in the financial services industry. You can see more of her work at and contact her at

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