Money moves you can make at any stage of finances that will add the sexy back into your money. Seriously, lighten it up and let’s have some fun!
Booking a second date with someone who is bossy, controlling, and demands-that-you-order-from-apps-only stingy is not going to happen (well, unless you’re into self-sabotage). In fact, you’d probably do everything you can to never spend another moment with this person, like dodging their phone calls or turning down random streets when you unluckily spot them approaching.
Iceberg, dead ahead!
And then there’s that person who oozes sex appeal. They’re confident, they’re self-reliant, and they can multitask like a boss. Did I mention they even surprised you with a gift? Swoon.
So which is it with your money? When you think about your overall money system – even if “system” might be a generous term – is it repulsion, or swoon?
Avoidance, or magnetic attraction?
If your money is bossy, stingy, controlling, or otherwise repulsive to you, then you need to bring the sexy back. Otherwise, how will you ever want to deal with it?
Add the sexy back with these money moves…
Clean It Up and Make it Shiny
I’m so into organizing that when I found a free de-cluttering course called Queen Sweep I hopped on-board right away. Not only was it torrents of fun, but I learned a lot!
One of the lessons during the Money Broom week was to keep your wallet clutter-free, with your cash tidied up and facing the same direction. It’s sort of the first action you can take to clean up your money and pay better attention to it (Suze Orman says that your wallet is a physical representation of your relationship with your money).
While you’re making money moves anyway, I say make sure you have the type of wallet/purse that you actually want to use. You know, one you’re excited about instead of one you are embarrassed to whip out. It’s important that you feel positive each time you access your money.
Funny side note: I used to have an ING Direct online savings account before it converted to CapitalOne360. The reason I signed up for it was not purely because of the interest rates; each time I signed into my account there was this upbeat, orange ball and it made me smile. I figured, that’s gotta be a good thing!
Infuse Glam into Your Account Names
Checking account, savings account, IRA account…these names don’t exactly scream “feed me money!” Usually you can give online accounts a nickname. So I challenge you to give your accounts benefit-driven names that electrify you.
…”Margaritas on Mexican Beach ”
…”Freedom from 9-5 Fund”
…”Get Out of Apartment Fund”
…”$5,000 Big Ones”
And as you reach your goals or come up with new ones, change the name again.
Make Your Money Work for You…While You’re Snoozing
There’s nothing sexier than your money working for you (aka earning you even more moolah) while you get to play, eat, and sleep. The key to making your money sweat harder than Richard Simmons in HD is setting up a few things that will continue to work without your input.
Here are money moves to make in order to put your money to work for YOU:
- Open up a savings account with the highest interest rate you can find (hint: online savings accounts have much higher interest rates than brick-and-mortar ones).
- Open up an interest-bearing checking account so that each month before your paycheck is divvied up to bills, you get to earn a few bucks that are yours to keep.
- Link your credit, debit, and loyalty store cards up to a UPromise account for free, and earn FREE cash towards college for a member of your family. And yes…you can sign yourself up as the benefactor if your student loans are with Sallie Mae through the UPromise Loan Link program. Each $10 in free cash goes directly off of your student loans. And this is on top of your credit/debit/store loyalty cards rewards programs!
Gamify it…because a Little Competition is Sexy
Guess what game I play with our money? I’ll give you a hint: it’s called “For Keeps”. Basically, I find a gazillion +1 ways to keep as much of our hard-earned paychecks as possible…while still getting the things and experiences that we want out of life. Having played this game for over 15 years now, I can honestly say I’m quite good at it.
There are other games you can play to liven things up, such as counting down your savings goals or your debt repayment goals using a visual. You can create a fundraiser-type visual where each month you get to color in a slot representing another chunk of debt paid, or another chunk of savings made.
My friend Helen and I also used to compete with each other (in a good way) over electric bills. Knowing that we would show our stuff once a month meant we were both more motivated to turn lights off after leaving rooms and unplug vampire appliances after use. It was actually a lot of fun!
Set Your Money Up to Surprise You with Gifts
Yes, your money can give you surprise gifts. You can funnel your spending through a rewards credit card and rack up the points for doing so. If you need a bit more control over your spending, then try a cash-back debit card that is linked to your checking account. My husband and I have racked up over $3,000 in free gift cards since 2006, as well as $200 in cash by using these methods (did I mention we’ve gotten several free roundtrip tickets from signing up for certain credit card bonuses? Travelling for free is way sexy).
Money that multiplies is sexy. Money that makes money for you while you sleep is sexy. And money that enables you to live the life you want is sexier than…well…use your imagination. Make those money moves!