FaZe Clan co-owner and uber-successful Youtuber Brian Rafat Awadis, better known as FaZe Rug, is moving up in the world. Or rather, moving out.
Known for his engaging content that spans from pranks to heartfelt vlogs, the YouTube phenomenon — who has a massive following of over 25 million subscribers — set up residence in a ritzy $4.4 million mansion located in Poway, California, a suburb of San Diego.
The purchase came after a stressful time that saw the Youtuber move back in with his parents due to the pressures of his growing fame, seeking comfort during a challenging time.
Now in a much better mental space, the successful content creator is enjoying life in his lavish new digs, often sharing clips filmed inside his two-story mansion. He’s even given his fans a full tour of the sprawling abode, and his followers had nothing but words of support and admiration.
And if one of his hit videos got you wondering where FaZe Rug lives, we have the scoop on the YouTube creator’s impressive Cali home.
Purchased in 2022 for $4.4M
In January 2022, FaZe Rug shelled out $4.4 million for a luxurious estate in the private gated community of The Heritage in Poway, one of the most popular suburbs around San Diego.
Sitting on a 1.04-acre lot, the 6,714-square-foot home is not the only structure on the property. There’s also an attached guest house, a gazebo, and a private sports court, with a total of 10 parking spaces.
The purchase marked a significant upgrade from his previous living arrangements, signaling a fresh start for the content creator. Prior to this, Rug had opened up about the decision to move back in with his parents for a while due to the pressures of his growing fame.
Property specs & amenities
FaZe Rug’s mansion spans a total of 6,714 square feet, featuring seven bedrooms, six full bathrooms, and one half bathroom.
The property, built in 2017, boasts modern amenities and sophisticated architecture that includes Mediterranean and Spanish influences. Highlights of the home include two grand staircases, a fully equipped open-concept kitchen, and a family room that seamlessly transitions into a stunning outdoor living space.
Beyond the basics: Plenty of unique features
What sets FaZe Rug’s house apart are its many playful, unique features, fully displayed during the video tour the Youtuber recorded for his fans.
A wall made entirely of LEGO bricks not only dazzles but hides miniature-themed rooms, providing quirky surprises that echo Rug’s creative and fun-loving personality.
These rooms feature everything from a LEGO spaceship to a tiny treasure trove, making them a hit not just in person but also as fun spots during his video tours.
It has a grand double staircase
Entering Rug’s mansion, you’re greeted by a grand double staircase reminiscent of a scene straight out of “Dynasty.”
This opulent entryway, complete with a sparkling chandelier and modern, airy aesthetics, sets the stage for the rest of the home’s lavish elements. It’s this kind of dramatic flair that gives the house its soap opera-worthy feel — luxurious, inviting, and just a tad over the top.
“The best backyard in the entire world”
FaZe Rug’s mansion is not just impressive on the inside; the outdoor amenities turn his backyard into a true entertainment paradise, making it perfect for both relaxation and hosting epic gatherings — not to mention shooting wildly creative videos.
The centerpiece is a large swimming pool with an integrated spa, perfect for cooling off or enjoying a soak under the California sun. Surrounding this is a luxurious patio area equipped with comfortable seating and an outdoor fireplace, and there’s also a private sports court and a mini golf course complete with a sandpit.
The backyard — which FaZe calls “the best backyard in the entire world — also comes with a full-scale outdoor kitchen, a pizza oven, and multiple fire pits. With breathtaking views of the surrounding mountains as a backdrop, the backyard offers not just fun and games but also a peaceful escape.
Fans were swept away by FaZe Rug’s house
When FaZe Rug shared his new home with his YouTube audience, the reactions were overwhelmingly positive.
Fans praised not only the house’s beauty and FaZe Rug’s taste but also the inspirational aspect of his success. Comments ranged from excitement about future content filmed in the home to personal messages of congratulations, emphasizing how Rug’s journey has motivated others to pursue their dreams.
“Congrats Rug, you deserve this dream house can’t wait to see your future vids at this house you bloody legend love your vids you deserve this house more than anything,” one fan shared.
“This is what happens when you’re humble and filled with gratitude! Stay you always Rug!” another chimed in.
See also: Inside JoJo Siwa’s $3.5 Million Mediterranean-Style Mansion
Netizens who’ve been following FaZe’s content since he first started out have expressed joy for the content creator’s success: “I have literally watched you grow up thru YouTube, this is nuts! Your home is so beautiful!!!! Congratulations Rug, for anyone dreaming big, you will do it. If you’re thinking about it, Just do it! Don’t worry about what anyone thinks, just worry about you and the ones who support you Let’s get it”
The new house’s resemblance to his former digs didn’t go unnoticed
Other fans were quick to point out the house’s resemblance with FaZe Rug’s parents’ house:
“Can we just talk about how the layout of this house is so similar to his parents house?!!! Maybe that’s what makes it feel so homey. Congrats rug it’s well deserved” one fan noted, with another echoing his observation: “It feels homie because the entrance looks like your parents’ house haha. Congrats,” @therealwaseem said.
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Los Angeles, CA, captivates with its sun-kissed beaches, sprawling urban landscape, and iconic landmarks like the Hollywood Sign and Griffith Observatory. With a population of around 3.9 million residents, Los Angeles has unique neighborhoods, world-class entertainment, and a one-of-a-kind culinary scene. In Los Angeles, the average rent for a studio apartment is $2,118, while a one-bedroom unit averages $2,614.
Whether you’re new to Los Angeles or searching for more budget-friendly housing options, ApartmentGuide is here to assist. We’ve curated a list of the 12 most affordable neighborhoods in Los Angeles for renting this year.
12 Affordable Neighborhoods in Los Angeles
From West Adams to Boyle Heights, Los Angeles’ neighborhoods cater to various budgets, and they’re all below the city’s average for studio and one-bedroom apartments. Let’s delve into these neighborhoods and find the perfect place to call home in the City of Angels.
1. West Adams 2. Rampart Village 3. Crenshaw 4. South LA 5. Eastside LA 6. Larchmont 7. East Hollywood 8. Greater Wilshire 9. Greater Valley Glen 10. Northeast LA 11. Silver Lake 12. Boyle Heights
Read on to see what each neighborhood has to offer its residents.
1. West Adams
Average studio rent: $1,995 Average 1-bedroom rent: $1,600 Apartments for rent in West Adams
West Adams is the most affordable neighborhood in Los Angeles, as the average rent for a one-bedroom unit is $1,600. There are plenty of reasons to love living in West Adams, from green spaces like Westside Neighborhood Park to its proximity to shopping centers. If you’re looking for a taste of the neighborhood, there are a variety of local restaurants to explore along West Adams Boulevard, showcasing Los Angeles’s food scene. For renters living in Los Angeles without a car, you can find some bus lines and the Metro E Line in West Adams.
2. Rampart Village
Average studio rent: $1,685 Average 1-bedroom rent: $1,849 Apartments for rent in Rampart Village
Rampart Village is a bustling area that’s just west of downtown Los Angeles. This affordable neighborhood has lots of attractions such as Shatto Park and Lafayette Lake. It’s also significantly less expensive than the nearby MacArthur Park neighborhood, but you’re still close enough to explore the area. It’s also Los Angeles’ 10th most walkable neighborhood so there are plenty of restaurants, shops, and venues nearby.
3. Crenshaw
Average studio rent: $1,722 Average 1-bedroom rent: $1,875 Apartments for rent in Crenshaw
With an average one-bedroom rent of $1,875, Crenshaw is the third-most affordable neighborhood in Los Angeles. This neighborhood is an awesome option as it’s near attractions like the Baldwin Hills Scenic Overlook and the Kenneth Hahn State Recreation Area. There are also picturesque views of the cityscape, so this area is great for exploring and enjoying Los Angeles. If you’re looking for a relaxing afternoon, you can find the Stocker Corridor Trail in the area.
4. South LA
Average studio rent: $1,799 Average 1-bedroom rent: $1,875 Apartments for rent in South LA
South LA is the fourth-most affordable neighborhood in Los Angeles. It’s a large neighborhood encompassing many smaller sub-neighborhoods, so it’s a great option if you want access to plenty of shops and restaurants. For example, you can easily access Chesterfield Square. There are also plenty of parks like Harvard Park and Exposition Park Rose Garden, and the area is easily accessible to major event centers like SoFi Stadium.
5. Eastside LA
Average studio rent: $1,695 Average 1-bedroom rent: $1,895 Apartments for rent in Eastside LA
Just about 5 miles from downtown, Eastside LA, or East LA, is a stellar neighborhood to consider if you want to live close to downtown. It’s also a great area if you’re living in Los Angeles without a car, as Eastside LA has several bus routes, including the Metro E Line. There are also parks nearby, like Belvedere Community Regional Park and Eugene A. Obregón Park.
6. Larchmont
Average studio rent: $1,550 Average 1-bedroom rent: $1,900 Apartments for rent in Larchmont
Next up is Larchmont, the sixth-most affordable neighborhood in Los Angeles. Larchmont is full of history and charm, with tree-lined streets, cafes, and a small park. This area is also often used as a filming location since it’s across the street from Paramount Pictures. Make sure to take a tour of Paramount Pictures or grab a meal at one of the neighborhood restaurants like Cafe Gratitude or Mario’s Peruvian & Seafood. There’s something for everyone living in Larchmont.
7. East Hollywood
Average studio rent: $1,554 Average 1-bedroom rent: $1,950 Apartments for rent in East Hollywood
Just outside of Larchmont is East Hollywood, the seventh-most affordable neighborhood in Los Angeles. East Hollywood has a friendly atmosphere and community feel, with plenty of local cafes and restaurants along West Sunset Boulevard, such as Jitlada and Ocha. This neighborhood is home to Little Armenia and Thai Town, giving you plenty to explore. You can also check out some of East Hollywood’s landmarks, like Barnsdall Art Park, which is home to Frank Lloyd Wright’s Mayan-inspired Hollyhock House.
8. Greater Wilshire
Average studio rent: $1,750 Average 1-bedroom rent: $2,050 Apartments for rent in Greater Wilshire
Greater Wilshire, also known as Hancock Park, takes the eighth spot on our list of most affordable neighborhoods in Los Angeles. The average rent for a one-bedroom unit is roughly $550 less than the city’s average, making Greater Wilshire a great option to consider. It’s about 5 miles from downtown, which means you’ll have the best of city life without living in the city center.
9. Greater Valley Glen
Average studio rent: $1,549 Average 1-bedroom rent: $2,149 Apartments for rent in Greater Valley Glen
A well-known Los Angeles neighborhood, Greater Valley Glen is the next area. Greater Valley Glen is home to the Valley Glen Community Park and the Tujunga Greenbelt, which runs along the Great Wall of Los Angeles, meaning there’s plenty to do throughout the week. You’ll find countless historic buildings in Greater Valley Glen, so make sure to explore the area’s charm. There are many options if you need to commute to work, as the 170 Freeway is nearby.
10. Northeast LA
Average studio rent: $1,650 Average 1-bedroom rent: $2,149 Apartments for rent in Northeast LA
The tenth-most affordable neighborhood in Los Angeles is Northeast LA. This area has a vibrant feeling with its popular restaurants and quirky shops. You can find countless parks and green spaces like the Ernest E. Debs Regional Park and the Ascot Hills Park, perfect for enjoying a sunny day in Los Angeles. Northeast LA also hosts the Old LA Farmers’ Market every Tuesday, providing residents with lots of opportunities to enjoy their neighborhood.
11. Silver Lake
Average studio rent: $2,000 Average 1-bedroom rent: $2,150 Apartments for rent in Silver Lake
Number 11 on our list is Silver Lake, a popular Los Angeles neighborhood. This affordable neighborhood is located near East Hollywood and Larchmont, so it’s an awesome area if you’re looking to be in the city’s center. You can find plenty of cozy cafes and lively restaurants along Sunset Boulevard. Silver Lake is also home to parks like the Silver Lake Reservoir and the Silver Lake Meadow.
12. Boyle Heights
Average studio rent: $1,650 Average 1-bedroom rent: $2,199 Apartments for rent in Boyle Heights
Taking the final spot on our list of affordable neighborhoods in Los Angeles is Boyle Heights. The average rent for a one-bedroom apartment is $2,199, compared to the city’s average of $2,614. This neighborhood is about 4 miles from downtown. Be sure to explore some of the neighborhood’s attractions like Mariachi Plaza, where you’ll find plenty of restaurants and access to the Metro E Line.
Methodology: Affordability based on whether a neighborhood has average studio and 1-bedroom rent prices under the city’s average. Average rental data from Rent.com on March 18, 2024.
Have you ever come across a gorgeous piece of furniture in an image on social media, dug around the original poster’s page to find the exact product link, only to find out it costs several times more than you’d ever dream of paying? This happens to me a lot. So much so that I began wondering if I was simply cursed with extremely expensive taste when it comes to home furnishings. However, instead of resigning myself to overpaying for everything I buy for my home, I learned a trick that has helped me find dupes for those expensive pieces I love for way cheaper prices. This hack has saved me literally hundreds of dollars on home decor and furniture, and now, I’m ready to break my silence. Keep reading to learn how I use reverse Google image search to find high-end home decor on a budget.
How Reverse Google Image Search Works
While a typical Google search involves typing a word or phrase into the search bar to pull up results, a reverse image search means you’re searching the image itself. So, if you find a photo of a room you love, you can search within the image to find products similar to those pictured. This works thanks to a handy little tool called Google Lens. According to Google, the Lens feature uses image recognition technology to identify items within the photo and search for similar products. When shopping for furniture and decor, you can easily search for the exact shape, color, material, or style you’re looking for without having to manually type it into your search bar. This is especially useful if you have a look you love but you’re not sure how to describe it in words.
To use Google Lens, you’ll need to be using Google Chrome as your browser. When you find an image you want to search—whether that’s a product image from a website or a beautifully styled photo on Pinterest—simply right-click on the photo (on mobile, press and hold to right-click), then hit “Search Image with Google.” This will pull up the Google Lens search function. From there, you can adjust which area of the image you want to search, then scroll through the results to find items with a similar look. You might just come across a dupe for a fraction of the price!
And if you find an image you want to search while scrolling Instagram, good news: This hack also works with screenshots. Just pull up the main Google homepage and click the little icon that looks like a camera on the far right of the search bar. Then select the screenshot from your photo library (or drag and drop it in from your desktop) to search it with Google Lens.
I’m not kidding when I tell you I’ve saved an obscene amount of money using this hack. For example, when shopping for bedroom furniture, I fell in love with this mid-century-style dresser from West Elm, but the $1,400 price tag was a little steep for me. With my handy reverse Google image search hack, I found this nearly identical version on Wayfair for less than $500. The darker wood finish that I bought is now unfortunately out of stock, but I couldn’t be happier with how my purchase compares to the West Elm version. Everything from the size to the finish to the hardware design is nearly identical, and I’m so glad I saved that $1,000 to spend elsewhere.
My coffee table is another example. I wanted something similar to this walnut piece from Rejuvenation—minus the $800 price tag. In just a few clicks, I came across this option from Amazon, which cost less than a quarter of the price for the same size, silhouette, and finish.
Rejuvenation
Even if I’m not necessarily looking for a dupe, reverse Google image search is a great way to identify items within photos. So when I’m scrolling Instagram and need to know where that designer found that table lamp, I can find out even if product sources aren’t listed.
Reverse Google image search is truly my secret weapon when it comes to finding affordable home decor with the exact look I’m going for. So, to the developers at Google, allow me to express my sincere gratitude. My wallet will be forever thankful.
SCHENECTADY, N.Y. (NEWS10) — Bluebird Home Decor, located at 514 State Street in Schenectady, is closing its doors after almost 11 years. Owner Nicolle Broughton made the announcement on Facebook on January 12.
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“A little over a year ago I began feeling a nudge that I could not ignore,” said Broughton. “After much thought and even more prayer, I have made the very difficult decision to move on from my retail storefront in Schenectady.”
Broughton opened Bluebird in August 2013. The shop features handmade, vintage, and new art, rugs, pillows, mugs, cards, clothing, and other home decor items. Broughton does not know what she’ll be doing in the future but said she’ll still be around selling her products in some way.
Mario’s Restaurant in Lake George up for sale
Everything in the store is now on sale and all sales are final, said Broughton. The shop is open Thursday and Friday from 11 a.m. to 5 p.m., Saturday from 10 a.m. to 4 p.m., and Sunday from 10:30 a.m. to 3 p.m.
Bluebird will be open through mid-March, said Broughton. She hopes to have a tent sale in May and a holiday shop somewhere in the Capital Region for the holiday season.
Glenville restaurant hosting Winter Fest with ice bar
“It has been one of the greatest honors and blessings of my life to create and share this space with you all,” said Broughton. “I will miss you all dearly. My sincerest thanks and deepest gratitude for all of your support over the years.”
Hedging, Renovation, QC, Validation, Verification Products; Investor and Correspondent News and Metrics
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Hedging, Renovation, QC, Validation, Verification Products; Investor and Correspondent News and Metrics
By: Rob Chrisman
6 Hours, 35 Min ago
“I saw a woman at Walmart with March Madness teeth… She was down to the final four.” No one is talking about 30-year mortgage interest rates heading down into the 4’s; many would be happy if they came down into the 5’s. Heck, forget about mortgage interest rates because they’re going to do what they’re going to do. Originators are equally interested in potential or existing borrowers. New data reveals that Americans are spending nearly as much on interest payments for credit cards and other kinds of consumer debt as they are on mortgage interest. But hey, if your client has their debt under control, LOs can help them by passing along Home Facts so that they can do an analysis of where they might like to live. (Found here, this week’s podcast is sponsored by Richey May, a recognized leader in providing specialized advisory, audit, tax, technology and other services to the mortgage industry for almost four decades. Hear an interview with Lending Tree’s Jacob Channel on the rent-versus-buy debate and just how far people should stretch their finances to achieve the dream of homeownership.)
Lender and Broker Services, Products, and Software
Collecting interim servicing payments is a pain, but not with Fee Chaser. With its seamless integration into Encompass® by ICE Mortgage Technology™, Fee Chaser automates upfront fee collection and can handle those pesky interim servicing payments as well. Check out Fee Chaser by LenderLogix here.
Today’s mortgage landscape demands greater efficiency. Xactus, a leading verification innovator, makes it easy to obtain all the verifications lenders need to be more efficient and advance the modern mortgage. For example, with its ICE Mortgage Technology Encompass Partner Connect™ integration, you can streamline your consumer verifications. Encompass Partner Connect provides direct access to Xactus verification products including Credit ReportX, Flood ReportX, Undisclosed Debt VerificationX, Tax TranscriptX, Employment VerificationX, Income VerificationX, Fraud ReportX, and Social Security VerificationX. In fact, Xactus was the first third-party service provider to integrate credit with Encompass Partner Connect, and won the 2023 ICE Innovation Award for Lenders’ Choice for Innovative Service Provider. Heading to the ICE Experience in Las Vegas? Experience Xactus’ award-winning innovation. Stop by Xactus’ booth or email [email protected] to schedule a meeting. For the latest updates and news about important industry innovations, follow Xactus on LinkedIn.
If you thought McDonald’s® invented the combo meal, you’d be wrong. The honor actually belongs to defunct fast-food chain Burger Chef, which introduced the classic trio of burger, fries and a drink as one meal. Known as “The Triple Threat,” it sold for just $0.45. While that kind of pricing belongs to a bygone era, lenders using Fannie Mae’s Desktop Underwriter® (DU®) validation service can enhance their validation processes by leveraging AccountChek by Informative Research to validate income, employment and assets with a single report. By using direct deposit banking data to evaluate income and employment, lenders can streamline borrower eligibility. Additionally, current AccountChek users don’t have to change their process. The AccountChek report they have been using for years already provides the needed transaction data to DU. To get started, visit Fannie Mae’s webpage, and submit the request form to begin the activation process.
Most lenders are painfully aware of rising loan origination costs, which is a common trend in a down market. But certain costs like credit (surging by 400 percent) and verifications (up by 141 percent) have soared disproportionately, with incumbent providers exploiting their market dominance as virtual monopolies. Yet some lenders are fighting back… Like Lower, which has found a way to save as much as 80 percent on these operational line items and win more loans. Sign up for this exclusive webinar taking place on March 21 at 2pm ET, featuring Rob Chrisman, James Duncan and Donielle Geiser (Lower), and Richard Grieser (Truv), where they’ll share their take on today’s market and how they’ve reduced costs on operational line items previously thought to be beyond a lender’s control. RSVP today!
Introducing the All-New Quarterly Conversations About QC Newsletter! Get the latest quality control news delivered directly to your inbox with QC Ally’s new email newsletter. Designed to be your trusted loan quality resource, you’ll get the latest industry headlines, helpful tools designed to inspire your business, and regulatory updates each quarter. Recent features include eGuides to strengthen your QC processes, webinars discussing how to successfully implement new requirements, and industry conference takeaways. Sign up today to stay in-the-know on updates designed to spark discussion and inspire your business!
TPO, Broker, and Correspondent Product News
Renovation lending fuels loan production, boosts profits, and fortifies housing inventory in competitive markets. Explore the rising demand for renovation loans with Planet Home Lending’s Guide to Renovation lending, tailored for correspondent lenders. From seizing opportunities to fostering robust partnerships, it offers a step-by-step roadmap. Request your exclusive copy today.
Freedom Mortgage Wholesale reminded brokers that it is historically, currently, and forever wholesale, and has posted some solid numbers about its status. In 2023 Wholesale increased its sales force by 20 percent, 25 percent of whom were rehires. Wholesale increased its Ops staff by 125 percent, 70 percent of whom were rehires. Freedom doubled its production two months in a row and is still growing.
But not to be overlooked is that Freedom is very active in the philanthropic arena through Freedom Cares. Last year it donated $660,000, used a holiday toy drive to raise $60,000 to support Children’s Hospital of Philadelphia (CHOP), The Salvation Army, and Toys for Tots, has, for 11 years, donated over $100,000 and nearly 2,000 backpacks (with school supplies) to Rucksacks to Packpacks. Freedom Mortgage’s employees and vendors raised $50,000, providing 500,000 meals for people facing hunger through Feeding America’s “Freedom from Hunger, and in 2023, through Project Gratitude, sent 1045 handwritten and video thank you messages to active-duty service members. And let’s not dismiss the 2,300 logged hours of employee volunteer engagement.
The real estate investment trust affiliated with Angel Oak Companies posted a $28.6 million profit in the fourth quarter. For the full year of 2023, the REIT generated a profit of $33.7 million; all but forgotten is 2022’s reported loss of $187.8 million. Angel Oak REIT participated in four non-qualified mortgage securitizations in 2023, contributing $662 million in unpaid principal balance to the issuance. The REIT’s earnings increased after it sold off non-QMs with relatively low interest rates. Its statistics reflect the industry’s: The REIT held $380 million in whole loans at the end of the fourth quarter, up from the $284 million held at the end of the third quarter. The company increased the weighted average coupon on its whole-loan portfolio to 6.78 percent as of the end of the fourth quarter compared with an average WAC of 5.83 percent at the end of the third quarter. As of the end of February, the WAC on the REIT’s portfolio had increased to 7.14 percent.
One should know the big news from Fannie Mae: Lenders now will be able to validate assets, income, and employment with a single 12-month asset report in Desktop Underwriter®. That same asset report will also identify the borrower’s positive rent payment history and cash flow history. This could be a boon for both lenders and homebuyers: Think faster cycle times, less paperwork, and enhanced access to credit, not to mention the ability for lenders to get Day 1 Certainty®, which can help improve loan quality and reduce the risk of repurchase. “Fannie Mae is continually focused on modernizing the mortgage finance experience and exploring new ways to help our lenders open more doors for aspiring homeowners in a responsible and sustainable way. With this new update in Desktop Underwriter, we are removing a hurdle from the loan application process and bringing greater speed, simplicity, and certainty to both lenders and borrowers,” said Cyndi Danko, Fannie Mae’s SVP and Single-Family Chief Credit Officer. The enhancement goes into effect in DU on March 29. Reach out to your Fannie Mae representative for help getting started.
Capital Markets
Interested in learning more about moving from best efforts to mandatory loan sales? Maybe you’ve already moved to mandatory and are looking for even more pickup and ways to mitigate risk? Join MCT’s Moving to Mandatory Loan Sales webinar on April 4th at 11am PT to learn how mandatory loan sales is helping lenders improve profitability while reducing risk. In this webinar, MCT’s Scott Holtz, Vice President of South Regional Sales, will discuss how to leverage mandatory loan sales to improve profitability, manage risk with pipeline hedging, and operational changes needed for the transition. Register for the webinar or join MCT’s newsletter to receive the latest educational content.
Between Fed Chair Powell testifying before the House Financial Services Committee and the latest Beige Book, there was a lot of Fed news for investors to digest yesterday. A slew of stronger-than-expected economic data has raised concerns that the FOMC is preparing to walk back its anticipated 75 basis points of easing in 2024, and the Fed Chair told the House panel that he’s in no rush to lower rates, though doing so will probably be appropriate “at some point this year.” He repeatedly stated that he does not see a risk of recession right now. Powell will be back on Capitol Hill today to appear before the Senate Banking Committee, though the potential for market-moving remarks is low.
The Fed’s Beige Book for March described overall economic activity since the last report as having “expanded at a modest pace since earlier in the year.” Consumers showed more sensitivity to rising prices and spending softened in recent weeks as businesses found it harder to pass through higher costs to their customers. Leisure and hospitality sectors varied from District to District, the Fed said in its survey of regional business contacts. Manufacturing activity was little changed while residential real estate demand improved. Employment rose at a slight to modest pace while price pressures persisted. If the economy evolves broadly as expected, the Fed is likely to begin dialing back policy interest rates 25 basis points between three and four times this year.
Ahead of February payrolls this Friday, we received a couple of labor market indicators yesterday. Job openings fell slightly in January to 8.86 million, and the number of job openings per unemployed worker was little changed at 1.45. The ADP Employment Change report pointed to the addition of 140k payrolls in February, slightly less than 150k expectations, while the January increase was revised up to 111k from 107k. The JOLTS data signal that the jobs market is slowly settling down, consistent with wage inflation pressures cooling and without a troubling slowdown in net job creation and overall economic activity. The gradual softening in the labor market will likely keep the FOMC comfortable in waiting a little while longer before beginning to cut rates.
Today’s economic calendar kicked off with Challenger job cuts for February: U.S.-based employers announced 84,638 cuts in February, up 3 percent from last month and 9 percent higher than the 77,770 cuts announced in the same month in 2023. Markets have also received the latest European Central Bank decision and remarks from ECB head Lagarde in her press conference, the latest jobless claims (217k last week, unchanged from 217k), trade deficit (high at $67.4 billion, a subtraction from growth), and productivity and unit labor costs (3.2 and .4 percent respectively). Chair Powell will be back on Capitol Hill before the Senate Banking Committee to testify on the Monetary Policy Report later this morning, and other releases of note include Treasury releasing the details of the mini-Refunding consisting of $56 billion 3-years, $39 billion reopened 10-years, and $22 billion reopened 30-years, remarks from Cleveland Fed’s Mester, Freddie Mac’s Primary Mortgage Market Survey, and January consumer credit. After the initial salvo of news, we begin Thursday with Agency MBS prices better .125-.250, the 10-year yielding 4.07 after closing yesterday at 4.10 percent, and the 2-year at 4.53.
Employment and Transitions
Unlock success with PrimeLending’s East Meets West Podcast! Join EVPs Karen Blakeslee and Al Velasco, the production leaders from the Eastern and Western divisions, for a lively discussion about the pulse of the housing market. Discover how PrimeLending empowers our loan officers to compete and win. Karen and Al also discuss leveraging new products to create more opportunities. Tune in for exclusive access to the wisdom of Dallas-based Branch Manager and perennial top producer, Mark Raskin (NMLS# 176513). Mark shares invaluable insights and proven tips, providing a backstage pass to success in today’s market. Check out East Meets West to learn why PrimeLending loan officers rank our engaged, experienced leadership as a game-changer. If you’re a top producer ready to turn up the volume on your career, contact Nic Hartke today!
Landmark Bancorp, Inc. announced that it has appointed Abigail (Abby) Wendel to serve as president and chief executive officer of the Company and Landmark National Bank, its wholly owned bank subsidiary, effective March 29. Wendel also will join the respective boards of directors of the company and bank, and succeeds current President and CEO, Michael Scheopner, who will serve in a non-executive role until his retirement at the end of the year. Congratulations!
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Inside: Embrace financial growth with these top money mantras. Cultivate a wealth mindset, affirm success, and transform your finances for ultimate freedom.
Money mantras have been a game-changer for me, a morning ritual as integral to my day as a cup of steaming tea.
Rather than idly scrolling through my phone or mentally compiling to-do lists, I begin each day by affirming my financial goals and inviting prosperity into my life. This practice isn’t just some esoteric tradition—it’s a targeted strategy that’s led to a tangible increase in my bank balance.
Like the steady rise of the sun, these money mantras illuminate my path toward financial well-being. Each repetition is a step towards cementing a mindset of abundance.
Remember, wealth isn’t just about cash and coins; it’s equally about cultivating the right mindset. Let me tell you, it’s not just my bank account that’s noticed the uptick—the evidence is in the confidence with which I now manage my finances.
Plus with a growth mindset, you will improve your happiness.
Now, it is time to find money mantras that resonate with you!
Top 50 Money Mantras for Your Daily Routine
1. With the power of attraction, I will bring wealth and money into my life.
2. My income is constantly increasing.
3. I gratefully accept all the wealth and abundance the world has to offer me.
4. Money allows me to live the life I want and achieve my goals easily.
5. I am grateful for what I have been blessed with.
6. Money is just a form of energy that flows to me effortlessly and abundantly.
7. Money is a tool that lets me construct my life how I see fit.
8. Large sums of money come to me easily.
9. Every action I take takes me closer to financial success.
10. I am capable of achieving all of my financial goals.
11. Money flows to me effortlessly and abundantly.
12. I am a magnet for financial success and prosperity.
13. My income exceeds my expenses every month.
14. I am worthy of a prosperous life.
15. Financial abundance is my natural state.
16. Wealth constantly flows into my life from multiple sources.
17. Every dollar I spend circulates and returns to me multiplied.
18. I handle my finances with clarity and confidence.
19. My positive energy attracts lucrative opportunities.
20. I am grateful for the wealth and abundance in my life.
21. I make wise and profitable investments.
22. My bank account grows larger every day.
23. The universe is generous with prosperity and so am I.
24. I am financially free and independent.
25. I am aligning with the energy of wealth and abundance.
26. Money comes to me now and always.
27. Making money is easy and enjoyable for me.
28. My wealth is a positive force for good in the world.
29. Financial well-being is mine to claim and enjoy.
30. I am open to receiving all the riches life offers.
31. I am constantly expanding my streams of income.
32. My actions create constant wealth, prosperity, and abundance.
33. Every financial action I take increases my net worth.
34. I am deserving of financial success and security.
35. Money is a tool that enhances my freedom and choices.
36. My financial goals are achievable and realistic.
37. I am in control of my financial destiny.
38. Prosperity flows to and through me.
39. I release all resistance to attracting money.
40. I trust my ability to generate wealth.
41. I attract financial mentors who guide me to abundance.
42. I use money to improve my life and the lives of others.
43. I am empowered to create the prosperity I desire.
44. I am the architect of my financial future.
45. I am worthy of financial abundance and security.
46. Gratitude and generosity are at the heart of my financial affairs.
47. I am surrounded by abundance.
48. My prosperity is unlimited, and my potential is endless.
49. Every action brings me closer to financial freedom.
50. I am an excellent steward of my finances.
How to Integrate Your Money Mantra Chant Into Your Routine
Okay, now you must solidify your money mantra in your life.
Choosing to internalize and act upon these mantras requires discipline, but it is essential for their success.
Each small step taken is progress—whether it’s saving a small portion of your earnings, investing wisely, or learning new skills to increase your earning potential.
Here are some actionable ideas to integrate your money statements into your day-to-day:
Write down your chosen money mantras daily in a journal to solidify their presence in your thoughts.
Customize your phone’s wallpaper.
Use post-it notes on your mirror to keep your money mantras in constant sight.
Place your money mantras on the wall when you roll out of bed.
Keep your money mantra written on a slip of paper inside your wallet.
Put your money mantras all over as your vision board quotes.
Create real-life scenarios where you can live out your money mantras, like calmly budgeting over coffee or tackling financial to-do’s with confidence.
Post your money statement on your social media accounts including X (formerly known as Twitter).
Regularly reflect on your current beliefs, decide what needs to change, and persistently work to align your actions with your new mantra.
Recite your mantras aloud every day, be it during your morning routine or as part of your wellness practices, to constantly reaffirm your financial goals.
You want to be a money magnet as you are manifesting your goals.
The act of doing reinforces belief, and belief paired with action is an unbeatable combination. So select your mantras, make them visible, speak them aloud, and, most importantly, take consistent action toward your financial goals.
How Mantras Can Shift Your Money Mindset
Money mantras have the potential to significantly transform your financial mindset by embedding positivity and empowering beliefs about your interactions with money.
By consistently repeating these money affirmations, you reprogram your subconscious to prioritize healthy financial behaviors and decision-making.
With a mantra such as “I handle money easily and well,” you start creating instances to demonstrate this new belief in action, which serve as evidence to support the mantra.
Whether it’s as simple as calmly reviewing your budget or taking steps to reduce expenses, these actions reinforce the powerful narrative of financial competence.
As you confront and override old, limiting money beliefs, your new mantra gradually becomes second nature, profoundly influencing your approach to money management and fostering a culture of financial literacy within your family.
Integrating Mantras Into Your Financial Strategy
By repeating affirmations such as “I am financially savvy” during routine activities, you rewire your brain to adopt a more positive money mindset and proactive stance toward money management. Instead of focusing on “I am broke.”
For example, when reviewing your bank statements or setting up a savings account, declaring “I am a wealth builder” can transform the experience from mundane to motivational.
Furthermore, concrete actions back up these mantras; intentionally selecting cost-effective options at the grocery store becomes a manifestation of the mantra “I make smart money choices.”
Over time, these repeated positive affirmations, paired with deliberate financial actions, will reinforce a healthier money mindset and can lead to more informed and empowering financial decisions.
What is the best mantra for money?
The absolute best money mantra is one that resonates deeply with your personal financial aspirations and current challenges.
It should be a concise, yet powerful declaration that addresses your core limiting beliefs and transforms them into positive affirmations.
For example, if you’ve historically felt powerless over financial matters, a mantra like “I am in control of my finances and make wise decisions with ease” can be both empowering and personally significant. This is a small step to becoming financially sound.
FAQ About Money Mantras
In my experience, money mantras have proven to be an effective tool in shifting financial mindsets and attracting prosperity. Particularly to increase my liquid net worth.
By declaring intentions like “My income is constantly increasing,” I’ve witnessed the law of attraction work in my favor, with unexpected income sources materializing following my persistent use of these mantras. This practice has not only improved my financial outlook but also reinforced my belief in the power of positive affirmation to create real-world results.
For effective results, financial affirmations should be integrated into your daily routine, ideally twice a day.
Repeat your positive financial statements in the morning can set a constructive tone for your day
An evening repetition aids in reinforcing your goals before sleep.
Consistency is key, and it is often recommended to maintain this practice for at least 21 consecutive days to notice a significant impact on your financial mindset. This habitual action can help to create a powerful shift towards a more positive and proactive approach to your financial goals.
What are your money mantras?
In conclusion, adopting a set of money mantras is an empowering way to reshape your financial narrative and manifest a more prosperous future if you prefer to be financially independent.
These affirmations serve not only as daily reminders of your financial aspirations but also act as a mental reset to overcome deep-seated negative beliefs about money. It is important to take intentional action to reinforce these mantras, thereby transforming them from words on a page to lived truths.
Remember, your mantras are not quick fixes but foundational statements that require commitment and effort to bring about real change.
By steadfastly walking the path of positive financial practices, you will eventually embody the essence of your affirmations—a money-savvy individual who knows that abundance is within reach.
Your financial future is not solely determined by external circumstances; it is shaped by the mindset you cultivate and the actions you take every single day.
Now, make sure you have solid financial goals to go with your mantras.
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Inside: Explore the right ways to quit a job without notice. Learn the best excuses, how to resign gracefully with a sample resignation letter, and tactics for maintaining professionalism when quitting.
Resigning from a job without notice can be a highly discomforting experience, as it breaks the standard professional protocol and can leave an employer in a difficult position.
Such an abrupt departure might lead to awkward conversations with superiors or colleagues who may be blindsided by the sudden lack of manpower and the hastiness of the exit.
This is something you know must be done.
I know the embarrassment stems from the awareness that this action could tarnish my professional reputation and relationships within the industry. Moreover, exiting without notice may invoke anxiety about the possibility of negative references or the implications it could have on future job prospects.
Yes indeed, this uncomfortable decision carries with it a heavy weight of potential judgment and professional repercussions.
So, what do you need to do when it’s time to quit?
How do you politely resign without notice?
To resign without notice politely, it’s essential to write a succinct and professional letter to your direct supervisor or HR manager, stating your immediate departure.
Express regret for any inconvenience caused and, if feasible, offer to assist in transitioning your duties. Deliver the letter personally if possible, or via email if necessary, maintaining a courteous and composed demeanor throughout the process.
It’s crucial to keep communications respectful and to retain professionalism to ensure a positive lasting impression.
Quitting Without Burning Bridges
Resigning from a job is a significant decision, and it’s generally expected that employees provide notice, traditionally two weeks, when they decide to leave.
However, in certain situations, giving notice may not be feasible, and you may need to resign immediately. Even so, it is possible to part ways amicably and without causing undue tension.
Make sure you do the following items:
1. Formalize the Resignation
Submit a formal resignation letter and discuss with HR any final procedures you may need to follow, such as filling out exit paperwork or partaking in an exit interview.
This is the first step that must be taken care of with kindness.
2. Making Sure to Tie up Loose Ends
Leaving a job without notice certainly poses challenges, but it’s critical to make sure you tie up as many loose ends as possible. Doing so demonstrates your professionalism and reduces the potential for negative repercussions.
It is super helpful if you can document your work to show your current responsibilities and projects. Include deadlines, key contacts, and any necessary instructions to help the next person take over your tasks.
3. Offer Assistance with Transition
Be willing to help the company prepare for your departure. This can involve creating thorough handover notes, compiling a list of important contacts, or outlining the status of ongoing projects.
If possible, offer to train a replacement or the person taking over your responsibilities. This may not be feasible if you’re leaving immediately, but you could suggest remaining available for a set period to answer questions via phone or email.
4. Return Company Property
Ensure you return any company property, such as laptops, mobile devices, keycards, or other equipment or materials. Do this before your departure to avoid any misunderstandings or trust issues.
Best Excuse to Quit a Job without Notice
As you know, multiple factors may prompt a professional to resign abruptly and it is never easy. It is rarely taken lightly and often stems from compelling, unavoidable circumstances.
Here are some of the most common reasons.
#1 – Personal or Family Emergency as a Valid Excuse
Personal or family emergencies stand as one of the most understandable and widely accepted reasons for quitting a job without notice. When hardship strikes, employers often recognize the need for immediate attention and the impossibility of predicting these crises.
Here’s why a family emergency can be a valid family emergency excuse:
Unpredictable Nature: Emergencies, almost by definition, are sudden and unexpected, leaving little room for the luxury of planning.
Moral and Social Norms: There’s a broad acknowledgment in society of the priority of family and personal well-being over occupational obligations.
Legal Considerations: Some jurisdictions have laws that protect employees who must leave work due to family emergencies.
Human Understanding: Colleagues and superiors are often sympathetic to family emergencies since such situations can happen to anyone, at any time, fostering an environment of understanding.
The gravity of a family emergency that might compel one to quit abruptly could range from a serious illness or accident to a sudden need for care for a family member.
#2 – Sudden Health Issues that Require Immediate Attention
When an individual’s health or life is at stake, it invariably takes precedence over job responsibilities. However, many people should opt for short-term disability to keep their health coverage as well as a smaller paycheck.
Recovery from a health crisis isn’t always quick and can necessitate an extended period away from work that cannot be predicted at the outset.
Physical and Mental Limitations: Health issues might limit the physical or mental capacity to perform job duties effectively or safely.
Quality of Life: Severe health problems can drastically alter one’s quality of life, making job concerns secondary to finding a path to wellness.
Workplace Accommodations: Sometimes, current workplace accommodations may not be sufficient to support an employee’s health needs.
Legal Protections: In many regions, employment law provides protections for workers who must leave their jobs due to health concerns.
It’s worth noting that particulars around personal health are private, and sharing details is at the discretion of the individual. Moreover, a discussion with human resources may provide options such as a leave of absence or disability leave, which could offer an alternative to resigning.
#3 – An Irresistible Job Offer That Can’t Be Delayed
At times, a career opportunity arises that is so compelling it warrants immediate action, with a start date that doesn’t accommodate a notice period.
In such cases, the opportunity cost of staying may be too high to ignore. Especially if you can make over $10k a month.
Unique Opportunities: The offer might represent a unique or rare advancement in one’s career that is unlikely to come around again, making it a now-or-never decision.
Significant Benefits: An offer that significantly improves financial standing, work-life balance, benefits, or professional growth can merit a swift transition.
While quitting a job without notice is far from ideal, certain career moves justify this approach. In these situations, one must weigh the professional norms against the career-defining potential of the new opportunity.
#4 – Immediate Relocation Due to Spouse or Partner’s Job
Unfortunately, relocations are often dictated by the partner’s employer or business needs, leaving little choice or room for negotiation regarding timelines.
Tackling this conversation as soon as possible allows your employer to start considering replacements and preparing for the transition, while also demonstrating your goodwill and integrity despite the abrupt notice.
If possible, see if you can transition to a remote position and keep your job.
#5 – Encountering a Toxic Work Environment for Mental Health
A toxic work environment can significantly impact an employee’s mental health.
When these negative aspects of the workplace become overwhelming, resigning without notice can be a necessary step to preserve well-being. This could be from unreasonable pressure, harassment or bullying, excessive workload, or a persistently high-stress environment that can all contribute to an unhealthy workplace.
Document the Environment: Keep records of incidents that contribute to the toxic environment, especially if they are egregious or repetitive, as these may be necessary for explaining your abrupt departure if questioned by future employers or legal entities.
Consult with HR: Ideally, concerns should be reported to human resources or appropriate management before deciding to leave, but if the situation does not improve or worsens, this may reinforce your decision to resign.
In such environments, taking immediate steps to leave may be the best course of action for personal health.
#6 – Safety Concerns in the Workplace Demanding Prompt Exit
When an employee feels that their physical well-being is at risk, it becomes necessary to prioritize personal safety over professional obligations.
Here’s why safety concerns justify a prompt exit:
Legitimate Fear: If the work environment poses a genuine risk to physical health or life — due to hazardous conditions or failing to meet safety regulations — immediate resignation is warranted.
Unresolved Issues: Continued employment might not be tenable if you’ve reported safety concerns and they have not been addressed in a timely or effective manner by management.
Legal Compliance: Employers are legally obliged to provide a safe working environment. Non-compliance with this fundamental requirement creates a justifiable reason for employees to leave without notice.
When resigning due to safety concerns, clearly explain that your primary reason for leaving is the need to ensure personal safety. It’s important to have a record of safety concerns reported to the appropriate parties within the organization, even if those concerns were not adequately addressed.
#7 – Legal Issues That Hinder Continuation of Employment
Legal issues can be sensitive and complex, thus it is important to maintain confidentiality and professionalism throughout the resignation process. When legal constraints interfere with employment, here’s why they necessitate an urgent departure:
Binding Legal Obligations: Court orders, such as those related to family or criminal law matters, may impose restrictions on an individual’s movements or activities that are incompatible with their current employment.
Visa or Work Authorization Changes: For employees working in a country under specific visas or work authorizations, any changes or revocations in legal status can demand an immediate resignation.
Conflict of Interest: Discoveries of conflict of interest that might have legal repercussions for the employee or employer can justify instant resignation to prevent further complications.
Mandated Reporting: Certain legal issues could force an employee to stop working immediately, such as those involving mandated reporting of unethical or illegal activities.
Ensuring clarity and integrity in communication can help in maintaining a positive relationship with former employers and colleagues.
#8 – Ethical Conflicts
Ethical conflicts at work, such as being asked to engage in dishonesty or illegal activities, justify resigning immediately to preserve one’s integrity and avoid potential personal and professional repercussions.
Professionals who feel their personal values strongly clash with the practices or culture of the company may decide that an immediate exit is the only course of action that aligns with their integrity.
For many, this is a valid excuse to leave a job. One of the main reasons for working hard to become financially independent is important.
#9 – Significant Lifestyle Changes
Major life changes, such as getting married, having a child, or needing to care for a loved one, can result in the need for immediate resignation.
Also, choosing to further one’s education is a compelling reason to quit a job without notice, as enrollment opportunities and class schedules often necessitate quick transitions that may not align with traditional notice periods.
Regardless of the significant change happening in your life, you do not have to share all of the details with your employer. You just have to state the bare minimum information.
#10 – Lack of Job Security
Rumors of downsizing or concerns about job stability might provoke an employee to preemptively quit and seek a more secure position elsewhere.
This is not something that should be overlooked. Having a stable job is one of the foundations of being financially sound.
This can serve as a solid justification for resigning without notice. This decision underscores the importance of ensuring your financial and professional security in an unpredictable job market.
What are the best excuses to quit a job you just started without notice?
Quitting a job shortly after starting can be challenging, but certain circumstances can serve as valid reasons for making such a decision.
Here are some of the best excuses for leaving a new job without notice:
Misrepresented Job Role: Discovering that the actual job significantly differs from what was described during the interview process can be grounds for immediate resignation.
Unexpected Life Changes: Sudden personal changes, such as a family emergency or a significant other’s job relocation, may necessitate a quick move that isn’t conducive to employment continuation.
Health Concerns: Onset or discovery of a health condition that precludes one from fulfilling job duties is a compelling reason to leave abruptly.
Hostile Work Environment: Encountering a toxic or hostile work culture, if intense enough, is reason enough to depart without protracted notice.
Superseding Job Offers: Sometimes, a more fitting job offer with immediate start requirements might present itself unexpectedly after beginning a new position.
Ethical or Moral Discomfort: If the organization’s practices conflict with your personal ethics or beliefs to an unresolvable degree, this may justify the quick termination of the employment.
Choosing to quit a job without notice is significant, but when necessary, the above reasons coupled with a tactful approach can mitigate the potential negative impact on your career.
This is something my husband had to decide when a second offer came in after he accepted another position.
Template and Guidelines for Your no Notice Resignation Letter
A no-notice resignation letter should remain professional and succinct, addressing the essential points with respect and clarity. Here are the key components a letter of this nature should include:
Subject Line: If the resignation letter is sent by email, include a clear subject line, such as “Immediate Resignation – [Your Full Name].”
Salutation: Begin the letter with a polite greeting directed at your manager or the appropriate party, like “Dear [Manager’s Name].”
Statement of Resignation: Convey the intent to resign clearly and assertively, stating your position and last day, which will be immediate or as soon as possible.
Reason for Immediate Departure: Briefly explain the reason for leaving without notice. The language should be direct but need not go into personal detail.
Expression of Thanks: Thank the employer for the opportunity to work at the company, and acknowledge the experience and skills gained, regardless of the length of employment.
Offer to Assist: If viable, offer assistance in wrapping up your duties or helping with the transition. Proposals can include preparing handover notes or availing yourself of follow-up queries after departure.
Contact Information: Provide your personal contact details for any future correspondence, including your phone number and personal email address.
Closing and Signature: Close the letter with a professional sign-off, such as “Sincerely,” followed by your typed name and handwritten signature for a printed letter.
Drafting a no-notice resignation letter with these elements allows you to articulate your need to leave promptly while maintaining professionalism and respect toward your employer and colleagues. The objective is to facilitate the transition with as much grace and tact as the circumstances allow.
Sample Resignation Letters for Different Scenarios
Here are sample resignation letters for different scenarios that call for leaving without notice.
Due to Personal or Family Emergency:
Subject: Immediate Resignation – [Your Name]
Dear [Manager’s Name],
I am writing to inform you of my immediate resignation from my position as [Your Position] at [Company Name] due to an unforeseen personal/family emergency that requires my full attention. Please accept my regret that I cannot provide a traditional notice period, and I sincerely apologize for the abrupt timing.
I would like to express my gratitude for the opportunities and support provided to me during my time at [Company Name]. I have learned a great deal and have valued working alongside my colleagues.
Please now, I am available to assist in any way possible to ensure a smooth transition. Let me know if there are specific matters you would like me to address before my departure.
Thank you for your understanding during this difficult time.
It is with regret that I must submit my immediate resignation from my role as [Your Position] at [Company Name], effective [Today’s Date]. Unfortunately, due to recent and unexpected health issues that require urgent and extensive attention, I am unable to continue my duties and provide adequate notice.
I have genuinely enjoyed working at [Company Name], and I am very grateful for the supportive work environment and the professional development I have received.
I will do everything within my ability to assist in the handover process. Please inform me of any priorities that need to be addressed.
Thank you for your consideration, and I hope to remain in touch in the future.
Please accept this letter as formal notification of my resignation from [Company Name] as a [Your Position], effective immediately.
I have recently received a job offer that presents a substantial career opportunity for me and requires an immediate start. After careful consideration, I have decided to accept this offer. I understand that my sudden resignation may cause inconvenience, and for that, I deeply apologize.
I am grateful for the valuable experience and the professional growth provided to me at [Company Name]. It has been an honor to work with such a talented team and contribute to the company’s goals.
To assist in the transition, I am prepared to provide concise documentation and notes on current projects. Please inform me if you require any additional help.
Thank you for your understanding. I wish [Company Name] and my colleagues continued success.
These templates should be adapted to fit your particular situation and to reflect the tone and professional relationship you have with your employer.
Is it OK to resign effective immediately?
Resigning with immediate effect is generally not the preferred protocol and can be a challenging decision to make due to its potential impact on your employer, your team, and your professional reputation.
The common practice is to give your employer two weeks’ notice.
However, it is acceptable under certain circumstances, especially when continuing to work is not possible due to pressing personal reasons, safety concerns, health issues, or other severe conditions.
In the end, while resigning with immediate effect can be OK, it should be regarded as a last resort, utilized when circumstances are such that other options are not feasible.
Now, make sure you have other ways to make money to pay your bills.
If not, check out this list of low stress jobs that pay well!
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Inside: Learn the roadmap to financial freedom with no money. Surpass debt, embrace millionaire habits, invest wisely & start a victorious journey to become financially independent!
Navigating the road to wealth can feel daunting, especially without a financial head start. But the journey to becoming a millionaire isn’t reserved for the lucky few with an inheritance at their heel.
It’s about strategy, perseverance, and making informed decisions.
Reaching the status of a millionaire is possible. I have done it and many other Money Bliss readers as well.
You have to change your mindset to make this happen. Becoming financially stable is of utmost importance.
Now, if you are serious about making seven figures in your net worth, then keep reading on how to do it.
Foundations of a Millionaire Strategy with No Money
Building a wealthy future from the ground up demands a strong and comprehensive financial plan. This isn’t something super fancy and you don’t need crazy knowledge.
You just have to start and be determined.
Step 1: The Essential First Steps Toward Financial Growth
Before plotting any course, assess your current circumstances candidly. Are you battling debts? Barely managing expenses? Or perhaps saving inconsistently? Acknowledging your starting point is critical.
A financial plan acts as your roadmap. It outlines not only your current standing but also sets the destination: your millionaire goal. This is not a figure plucked from thin air but rather a calculated estimate determined by your aspirations and timeframe.
Structure your plan to encompass these elements:
Income Assessment: Calculate your total annual income, be it from your primary job or any side gigs you maintain.
Expense Analysis: Track every expense. From the daily coffee to the monthly rent, understand where your money is going.
Debt Strategy: High-interest debts can cripple financial growth. Prioritize paying off these debts to alleviate financial pressure.
Savings Plan: Start with achievable goals. Perhaps saving $100 a month initially, then incrementally increasing as your earnings grow.
Investment Consideration: Every dollar saved should be working for you.
Ultimately, keep your plan documented and visible. Regular interaction with your strategy keeps the vision of financial growth at the forefront of your daily choices.
Step 2: Harness a Mindset Crafted for Success
Maintaining a positive mindset can significantly amplify your success with money, empowering you to manifest your financial ambitions with clarity and confidence.
This positivity helps to reframe financial obstacles as opportunities for growth. To cultivate this prosperous mindset:
Practice gratitude by acknowledging and appreciating what you already possess, which can create a sense of wealth beyond the monetary value.
Counteract negative thoughts about money by consciously redirecting them into positive money affirmations, reinforcing your belief in your financial acumen and capabilities.
Focus on your ultimate goals and align your behaviors accordingly.
Step 3: Starting Small: Saving with Limited Means
When funds are scarce, saving can seem impossible. However, even the most modest savings habits can blossom into significant wealth over time. The key is to start – no matter how small, and to remain consistent.
Implement these techniques to save effectively on a tight budget:
Automate Savings: Set up a direct deposit from your paycheck to a savings account.
Savings Challenges: Engage in one of my popular money saving challenges.
Save Raises and Bonuses: Save at least half of any raises, bonuses, or tax refunds you receive rather than increasing your spending.
Micro-Saving Apps: Consider using apps that round up your purchases to the nearest dollar and save the difference.
Saving is habitual. Even with a limited budget, adapting ways to make saving a consistent part of your financial behavior is crucial.
Start with a small percentage that won’t strain your daily living but will quietly accumulate in the background. These mini saving challenges are perfect!
Step 4: Handling Debt: Strategies for Minimizing Financial Burdens
Tackling debt is a pivotal stage on the road to financial freedom and accumulating wealth. Personally, this is exactly what happened to me. Once we paid off our debt, we were able to increase our net worth substantially.
Simply put… When debt is left unchecked, it can blossom into an insurmountable challenge, thwarting efforts to acquire wealth. The cash flow killer.
Consider these tactics to manage and minimize your debt:
Debt Audit: Begin by evaluating all your debts. Take note of balances, interest rates, and minimum payments. Understanding the total sum of your debts is essential for forming a repayment strategy.
Prioritize High-Interest Debts: High-interest debts such as credit cards can quickly grow beyond control. Prioritizing these debts for repayment can save you a significant amount in interest over time.
Debt Snowball vs. Avalanche: Choose the method that will keep you motivated and align with your financial goals.
Negotiate with Creditors: If you’re in financial hardship, reach out to your creditors to negotiate for lower interest rates or modified payment plans. Many creditors prefer to work out a payment plan rather than risk not being paid at all.
Avoid Accumulating New Debt: As you pay off existing debts, it’s crucial not to accrue new ones. Stick to your budget and avoid temptations that could lead to further debt.
Remember, every debt you free yourself from is one step closer to letting your money work for you, not against you.
Step 5: Identifying Skills That Pay: Turning Talents into Revenue
In the evolving economy, capitalizing on your skills can be a powerful way to generate additional revenue streams. The beauty of skill-based earning is that it can fit around a traditional job and can be scaled up or down as your situation changes.
Here are possible avenues to pursue:
Demand for Your Skills: Look at the market and find out if you can outsource your skills
Start Freelancing: Platforms like Upwork, Fiverr, and Freelancer can connect you with clients looking for your specific skillset. Begin with competitive pricing and build up your portfolio and rates as your experience grows.
Teach Others: If you’re knowledgeable in a particular area, consider creating an online course or conducting workshops. With platforms like Teachable or Udemy, you can reach a global audience.
Networking: Leverage social media, professional networking sites like LinkedIn, and community forums. This builds your professional presence and can lead to job opportunities.
Lastly, do not be afraid to ask for a pay raise. Thus, will help you fast-track your path to six figures.
Step 6: Side Hustles and Entrepreneurship: Growing Your Earnings
To build real wealth, especially with no initial capital, earning income from multiple streams can be a game-changer. Side hustles and entrepreneurship are about leveraging your time, talents, and sometimes minimal financial investments to grow your income outside of your primary job.
Almost every millionaire I know has a side hustle or business that helped them to get to that point.
Here’s how you can expand your earnings with side hustles and entrepreneurship:
Make money online: The fastest growing area is knowing how to make money online. Even seemingly mundane skills can be lucrative.
Choose the Right Side Hustle: You can choose to make money or chill and watch TV. Pick on the popular side hustles to get started today.
Start Small Business Ventures: Consider creating a small business. It could start as simple as lawn care services, homemade goods, or consulting. Validate your business idea with minimal investment before scaling up.
As financial expert and entrepreneur Ramit Sethi states, “There’s a limit to how much you can save, but there’s no limit to how much you can earn.”
By actively growing your earnings and establishing additional income streams, you accelerate your trajectory toward millionaire status.
Step 7: Investment 101: Basics for the Beginner Investor
Investing is the escalator to wealth, turning your savings into passive income generators.
For beginners, the world of investing can seem labyrinthine, but with foundational knowledge and strategic baby steps, you can begin to navigate it confidently.
Don’t be afraid of the stock market as you are giving up way too much money! This was the stupid mistake I made in my 30s. Now, my investment portfolio is the primary way I am growing my wealth today.
Here’s what you need to know to get started with investing:
Start with a Retirement Account: If your employer offers a retirement plan, like a 401(k), especially with matching contributions, take full advantage of it. This is often a beginner’s first, and potentially most profitable, investment.
Low-Cost Index Funds: As a beginner, it’s wise to invest in low-cost index funds, which are designed to mimic the performance of a particular market index. They are diversified and typically have lower fees.
Automatic Investing: Set up automatic transfers to your investment account to facilitate regular contributions without having to actively think about it. Don’t forget to select which fund to invest in.
Educate Yourself: Take advantage of online resources, books, and courses to understand the basics of stocks, bonds, and other investment vehicles. This is what I did – invest in my stock market knowledge and it has paid off big time!
Understand the Rule of 72: A simple formula to estimate the doubling time of an investment. For example, at a 7% average annual return, your money could potentially double every roughly 10 years.
Understand Risk vs. Reward: All investments carry some level of risk. Typically, higher risk could mean higher potential returns, but also greater potential losses. Assess your risk tolerance before investing and use those stop losses!
Investing isn’t a sprint; it’s a marathon with compound interest serving as the tailwind to push you forward over time. Learn how to invest in stocks for beginners.
Step 8: Retirement Accounts: Why Maxing Out Early Matters
By maximizing contributions to retirement accounts, you not only safeguard your golden years but also capitalize on tax-advantaged growth, which can be substantial over time.
Just because you are in your 20s or 30s, don’t say I’ll invest later. You are missing the boat.
Here’s why it’s beneficial to start maxing out your retirement accounts as soon as possible:
Compounding Interest: The earlier you start, the more you benefit from compounding interest.
Tax Benefits: Contributions to retirement accounts like 401(k)s and traditional IRAs are made each year, but they come with limits and potential tax-deferred (IRA) or tax-free (Roth IRA) accounts.
Employer Match: Many employers offer a match on 401(k) contributions up to a certain percentage. Failing to contribute at least enough to get the full match is akin to leaving free money on the table.
Higher Contribution Limits: The earlier you start maxing out, the less you have to play catch-up later. The IRS sets annual contribution limits, and consistently hitting those maximums can mean a considerable difference in your retirement savings over time.
By comprehensively engaging with your retirement accounts from an early age, you start an assured path towards the millionaire echelon.
Yes, it is possible to have multiple Roth IRA accounts.
Step 9: Adopting the Growth Attitude: Learning from Millionaire Mentors
The difference between those who accumulate wealth and those who don’t can often be traced back to mindset and mentorship. Adopting a growth attitude and learning from successful individuals can accelerate your path to prosperity.
Millionaires, with their experience and results-driven approaches, often provide valuable insights into effective wealth-building strategies.
Here’s how tapping into the wisdom of millionaire mentors can benefit your financial growth:
Learning from Their Experiences: Millionaires can share their triumphs and tribulations, offering you a roadmap that highlights what to do and what pitfalls to avoid. Cultivate these millionaire habits in your life.
Networking Opportunities: Millionaire mentors often have expansive networks. By building a relationship with a mentor, you may be introduced to key connections that can lead to lucrative opportunities.
Mindset Shift: Interacting with successful individuals can shift your perspective from a fixed mindset to one that embraces challenges, persists in the face of setbacks, sees the effort as the path to mastery, and learns from criticism.
Innovative Thinking: Mentors can inspire innovative approaches to income generation, investment, and savings. They can encourage out-of-the-box thinking that may lead to financial breakthroughs.
Emulating Success: By observing the habits and tactics of millionaires, you can emulate strategies that have proven successful while avoiding practices that may lead to failure. Start these billionaire morning routines to help you.
By adopting a growth attitude and learning from the insights and experiences of millionaire mentors, you sharpen your financial acumen and enhance your ability to create and capitalize on wealth-building opportunities.
Step 10: Community Counts: Surround Yourself with Success
The people you surround yourself with can significantly influence your thoughts, actions, and ultimately, your success. By intentionally building a community of hard-working, success-oriented individuals, you can foster an environment that promotes wealth accumulation.
Here is why it’s crucial to immerse yourself in communities that align with your aspirations:
Shared Success Mindset: In a like-minded success-oriented community, you’ll find individuals who have goals similar to yours and an attitude that is conducive to financial growth. This collective mindset can reinforce your own ambitions.
Peer Learning: Being a part of a community allows for collaborative learning. Exchange insights, experiences, and tactics with peers who are also on a path of financial growth. I love my masterminds!
Accountability: Just as with individual mentors, a community can keep you accountable. Regular interactions with people who take financial success seriously can encourage you to do the same.
Cross-Pollination of Ideas: Varied perspectives in a group can lead to a cross-pollination of ideas, sparking creativity and innovation in your own wealth-building strategies.
Increased Confidence: As you witness others achieving success, it instills a belief that you can do the same. This confidence can push you to take calculated risks that lead to greater rewards.
This adage stresses the importance of being selective with the company you keep, as their attributes frequently rub off on you, influencing your path to becoming a self-made millionaire. Likely you want friends who are millionaires or striving to be, too.
Step 11: Steer Clear of Debt: Remaining Unshackled as You Ascent
The gravitational pull of debt can be a formidable force, impeding one’s ascent toward the zenith of financial independence. But, you can overcome this by using these debt free living habits.
Here are strategies to remain unshackled by debt:
Budget Religiously: A budget constrains overspending and reduces the temptation to rely on credit.
Build an Emergency Fund: A substantial emergency fund can cover unforeseen expenses, diminishing the need to fall back on credit cards or loans that could exacerbate your financial situation.
Spend Less Than You Make: This may sound simple, but this helps you to live within your means and avoid going into debt.
Discern Needs from Wants: Be meticulous in distinguishing true needs from mere wants.
Ultimately, your ability to evade debt not only safeguards your financial stability but also amplifies your capability to invest and save, propelling you firmly on the trajectory toward millionaire status.
Step 12: The Lifestyle Inflation Trap: Keeping Expenses in Check
Success and salary hikes can often lead to lifestyle inflation, a phenomenon where spending increases as income rises, negating the potential for savings and investments. Keeping lifestyle inflation at bay is pivotal to ensuring that growing income translates into growing wealth.
Here’s how you can avoid the lifestyle inflation trap and keep expenses in check:
Stick to Your Budget: Even as your income grows, maintain the budget that facilitates your savings habits.
Identify Trigger Points: Be aware of what prompts you to spend more. Sometimes, seeing others upgrade their lifestyle can trigger the same desire. Stay focused on your financial goals rather than external influences.
Automate Savings Increases: When you receive a raise or bonus, immediately update your automatic transfers to increase the amount going into your savings or investment accounts.
Value Experiences Over Possessions: Studies have shown that experiences bring more lasting happiness than material goods. Opt for a modest increase in experiences rather than expensive goods as your income grows.
Embrace Minimalism: Adhering to minimalist principles can reduce the urge to accumulate non-essential items, keeping spending down and savings rates up.
Avoiding lifestyle inflation doesn’t mean living as frugally as possible regardless of how much you earn. It’s about finding a balance that allows for a comfortable yet modest lifestyle, wherein you can enjoy the fruits of your labor without compromising your long-term wealth goals.
Billionaire investor Warren Buffett exemplifies this principle by still living in the house he bought in 1958 for $31,500 and driving a reasonably priced car. Buffett’s lifestyle choices display an astute awareness of the perils of unnecessary spending and emphasize the importance of consistency in financial discipline.
Step 13: Compounding: The Wonder that Builds Big Balances Over Time
Compounding interest is a powerful tool that has the potential to turn modest savings into vast sums over time.
The principle behind compounding is straightforward: the returns you earn on your investments generate their own returns in the next cycle, leading to exponential growth given enough time.
Here’s how the wonder of compounding works to build big balances:
Start Early: The magic of compounding is maximized by time. The sooner you start investing, the more cycles of compounding your money can go through, and the larger your balance can grow.
Reinvest Your Returns: To truly harness the power of compounding, reinvest the interest, dividends, and any capital gains you receive, rather than spending them. This increases your investment balance, which in turn means more significant potential returns in the next cycle.
Regular Contributions: Make regular contributions to your savings and investments. Consistent additional deposits can significantly amplify the effects of compounding over the long term.
Step 14: Procrastination and Perils: Why Immediate Action is Crucial
Procrastination is often the thief of time and opportunity, especially when it comes to financial decisions. Postponing essential actions like saving, investing, or paying down debt can have compounding negative effects, making it harder to achieve financial goals.
Understand the perils of procrastination and the importance of immediate action:
The Cost of Waiting: In the realm of investment, the longer you wait to begin, the more you miss out on the potential compounding returns. Delayed action can mean the difference between a comfortable retirement and a financially insecure one.
Opportunity Loss: Procrastination can lead you to miss out on time-bound opportunities, such as market dips that are ideal for purchasing investments at lower prices or missing the deadline for a tax-advantaged account contribution.
Paying More on Debt: By putting off debt repayment, you accrue more interest, which only increases the total amount you’ll eventually have to pay. Acting quickly to pay off high-interest debt saves money in the long run.
Increased Stress: Delaying important financial actions can lead to an accumulation of stress and anxiety, which can, in turn, impair your ability to make sound financial decisions.
Potential for Rash Decisions: When you constantly procrastinate, you might eventually rush into decisions without adequate research or consideration, leading to poor financial outcomes.
Recognize this type of behavior and set weekly money meetings with yourself to help you move forward – one task at a time. Grab an accountability partner too!
Step 15: Long-Term Vision: Setting Up For Sizeable End Gains
The journey to becoming a millionaire is often a marathon, not a sprint.
Nurturing a long-term vision for your financial future is essential in guiding your daily decisions and motivating you to stay the course.
To ensure sizeable end gains, you need to establish and maintain a future-oriented mindset:
Set Long-Term Financial Goals: Establish clear, achievable long-term financial goals that align with your desired = future. Whether it’s attaining a specific net worth, owning property outright, or securing a comfortable retirement, these goals should inspire your action plan.
Strategic Planning: Develop a comprehensive financial plan that includes savings, investments, retirement accounts, and estate planning. This plan should act as a living document that you can adjust as your circumstances and goals evolve.
Patience is a Virtue: Recognize that wealth typically accrues over time, and not without fluctuation. Stay patient and avoid knee-jerk reactions to short-term market swings or temporary setbacks.
Regular Investments: Commit to making regular investments, even in small amounts. Over time, consistent contributions can result in substantial wealth through compounding interest.
It’s about creating financial disciplines that compound over time, ensuring that with each day, month, and year, you’re progressively building towards a considerable nest egg.
FAQ: Climbing the Financial Ladder Without a Silver Spoon
Getting rich with no money might seem like a paradox, but it’s a trajectory that many self-made millionaires have pursued successfully. The blueprint involves a combination of mindset shifts, disciplined financial habits, and strategic action.
You have to take proactive steps to increase wealth even when starting from zero.
Starting from nothing and achieving millionaire status requires a multifaceted strategy, encompassing personal development, financial planning, and an entrepreneurial approach to income generation.
Wealth creation is a journey, and starting from zero means that progress may be slow initially.
However, by adopting these steps and maintaining a disciplined and proactive approach, you incrementally increase your chances of accumulating significant wealth.
Ready to Become a Millionaire with Nothing?
Are you ready to become a millionaire with nothing but your ambition, intellect, and unwavering resolve? If your answer is a resounding yes, then it’s time to take the first step.
With every small victory and learned lesson, you inch closer to your ultimate goal.
Your journey starts with dedication, a commitment to yourself that from this day forward, you will work relentlessly toward the life you envision.
Wealth is not just about the money you accumulate but also the knowledge, experience, and relationships you develop along the way. Wealth creation is often not a straight line but a series of strategic moves and consistent behaviors that, collectively, lead to financial success.
Remember, your current financial position is just a starting point – with the right mindset and actions, significant financial growth is within the realm of possibility.
Your next step is working towards becoming financially independent.
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Schlifske’s 14-year tenure as CEO defined by historic business performance, bold client experience transformation, unsurpassed financial strength, exceptional product value, and meaningful investments in talent and diversity Tim Gerend to succeed Schlifske as the company’s next CEO, effective January 1, 2025 MILWAUKEE, Jan. 25, 2024 /PRNewswire/ — After 14 years as Northwestern Mutual’s Chief Executive … [Read more…]
Manifestation practices—or rather, the routines and rituals you can use to turn your thoughts into reality—can luckily be done anywhere. But as someone who has a soft spot for interiors and is hyper-aware of her surroundings (I am a home and living writer after all!), I believe that your living space plays a crucial part in supporting your dreams. Whether you live in a tiny dorm room or your very own dream home, your environment can help keep you focused, calm, and positive—which is key to achieving your goals.
To learn more about the link between our homes and manifestation, I chatted with manifestation expert Haley Hoffman Smith, and her tips are sure to get your creative ideas flowing. If you’re ready to level up your living space, here’s how to make sure your home supports your ideal lifestyle and the best version of you.
1. Start with gratitude and appreciation.
“You can manifest anywhere at any time, and so much of it is about appreciating where you are,” Hoffman Smith said. Practicing gratitude for what you already have is a huge part of manifestation, and if you’re struggling with where to begin, start with the roof over your head. Even if you’re not living in your dream home (yet!), focus on the things you love about your current space and express your appreciation for them. Whether you simply look around your space and make mental notes or write your thoughts down in a journal, having gratitude for your current home will help you stay positive and uplifted.
Hoffman Smith, for instance, moved into her dream New York City apartment a few years ago, but before that, she was living in a modest home in Colorado. “I focused so much on what I appreciated in that home and the fact that I had a home and a front door and that it provided safety and comfort,” Hoffman Smith said. Focusing on the positive attributes of your surroundings will help you stay in a high vibrational state, or in a state of contentment and peace, which makes you a magnet for whatever it is that you desire. As Esther Hicks, another manifestation expert, famously says, “As you think, you vibrate. As you vibrate, you attract.”
2. Know what your vision is, and keep it in sight.
Vision boards are a go-to practice for manifestation. While you can easily use your vision board as a phone background or laptop wallpaper, strategically placing images and positive affirmations around your home is another sneaky way to keep your vision in front of you. Consider displaying reminders of your vision on your fridge, the bathroom mirror, or your coffee table. “What matters most is having them someplace where you’ll see them all the time,” Hoffman Smith said.
For example, Hoffman Smith decorated her coffee table with a book on the Amalfi Coast, one of her favorite travel destinations. “It’s nice to be able to flip it open to a page and have it be like a vision board on my coffee table,” she said. This is great advice if you have a dream destination you’d like to visit—in addition to a coffee table book, you could also frame pictures of places on your bucket list.
Other easy ways to keep your vision in sight include placing sticky notes with positive affirmations around your home or using everyday items that remind you of your dreams. Hoffman Smith also has a collection of coffee mugs that all reflect things that make her happy. If you’re trying to manifest something specific (like a new job or a dream vacation), find a mug that has a design or words that relate to that goal and can help you imagine that it’s already a reality.
3. Maximize the space you have by keeping it tidy.
A clean, clutter-free home can help you stay focused and at ease as you work toward your goals. Even if your current space is less than ideal, keeping it tidy will help make the most of the space so it can best support your dream lifestyle. If there’s a room in your home that feels off even after cleaning and organizing, however, Hoffman Smith recommends rearranging the furniture. “If you’re about to embark on a new chapter of your life, or if the energy is just stagnant, shifting around the placements of certain things can really help,” she said. Keep rearranging until your space feels right.
4. Fill your home with things you love.
Additionally, be sure your home includes items that reflect your desires and passions. Adding beauty, like flowers for your kitchen table or art that inspires you, can have a big effect on your mood and make you feel like you’re already living your best life. For Hoffman Smith, seasonal decor helps her add joy to her space. “Changing things up with the seasons can make it feel really cozy,” she said. Consider this your sign to light a candle or hang those twinkly lights if those things make you happy. At the end of the day, manifestation is about keeping your vibration high, so be sure to sprinkle items throughout your space that bring you joy, no matter how small.
5. Set up your home for your morning and nighttime routines.
“Manifesting really comes down to the routines we do, such as meditation, gratitude, and journaling,” Hoffman Smith said, “and having a space for each in your home can help it become a ritual that you get used to and can look forward to.” Whatever you want your morning and evening routines to look like, create a dedicated space that supports those activities. If you like to start each day by journaling while you sip your morning tea, place your journal and a pen near your tea kettle and mugs. If you want to meditate each night before bed, outfit your bedroom with soft lighting and a meditation pillow. Creating the space for the routine will make it that much easier to settle into the habit, Hoffman Smith said.
6. Prepare your space for your ideal lifestyle.
Even if you don’t feel like you’re living your dream life yet, you can prepare your space for those dreams to become a reality. Does your future self like to host dinner parties? Spruce up your dining area, tidy up your kitchen, and gather up a few recipes you’d like to prepare for friends or family. Does your future self have a consistent meditation practice? Create a cozy meditation corner with a floor cushion and a small table for candles or an essential oil diffuser. By creating space for your goals, you can prepare yourself for all of the abundance that is no doubt already on its way to you.
7 Easy Decorating Tips to Instantly Boost Your Mental Health