Hello homeschoolers. Today we're going to talk about eight ways to build a daily money affirmations routine that finally sticks. Here's how to integrate daily money affirmations into your life for maximum impact.

A fast growing number of parents are starting their homeschooling journey while others have been homeschooling for years. All of these parents are asking one big question, how can I afford to homeschool? We are here to answer that important question once and for all. Hi, I'm Crystal Obby. And I'm Anthony Obby. We've been homeschooling our five kids for 13 years and we funded it. Through our online consulting business that we've been running for over 17 years now, we're combining Crystal's financial coaching expertise with my digital marketing background where I help entrepreneurs launch and sell online. We're here to help fellow homeschooling parents self-fund their homeschool journey and create lifestyle businesses. For financial freedom without a nine to five job, are you ready to start living life on your own terms and make your homeschooling experience a lot more fun? Well then sit back, crank up the volume, and enjoy this episode of Homeschool Money.

Welcome, welcome. Welcome to the show everyone. I'm your host, Anthony Obby. I'm Crystal Obby and we are so excited to talk about eight Ways to build a Daily Money affirmations routine that finally sticks. In that last episode, we really laid out the benefits of doing daily money affirmations this is the part of the foundational step of the Homeschool Money Makeover program. In step one we talk about mindset. We have to build on a foundation of mindset because that's where it all begins and ends for every single one of us. Oftentimes, it is not a matter of you not being able to make more money. It's a matter of you don't think you can or you may not think that it's important to. For some of us, we maybe trick ourselves or maybe we're just not aware of the actual need. We think that homeschooling is going to be free when you go into it. And that is why in our free class, on this topic that we share and we invite you to go and listen to fully. One of the things we talk about as a foundational topic is the true cost of free. When it comes to homeschooling. Nothing is free and you can do homeschooling very inexpensively, but it's not going to be free. And so when you come to grips with that and you have a true assessment of what your need is. Then you somehow gain the fire, the motivation in your belly to do what needs to be done so that you can homeschool your children and transfer your economic skills into ventures that allow you to have the flexibility to homeschool your children and be able to make money and maximize your income potential as a homeschooling parent. So once you have the understanding of how important it is to have daily money affirmations, it's important to understand how to actually implement it into your daily schedule. Because everyone's already so busy and you know, you have to homeschool, you have to run your business or, or work your remote position, or you have to just take care of your home. Everyone has all these different priority. It things to place into their schedule, and it's like, I don't need one more thing. But if you understand how important it is to start your day right with your affirmations and have that foundation, then you'll understand that it's something that can't really be skipped on because it's actually something that's going to. Make the whole day better. Having your mind right is gonna energize you and make you have a more powerful experience. And so that's why it's so important to understand not only the benefits of affirmations, but then also have the support on how to actually put them into your time. That's right. And so let's get straight into it. Number one, choose the right time and place. Now what I've found is that you can be successful at anything you want to do if it's important. So sometimes people talk about. What time is the best time to homeschool your child? Well, some people work different schedules and they need to homeschool more in the evening or on the weekend, or some kind of flexible schedule is not always the first thing in the morning or in the afternoon. So. You can be successful even with homeschooling at any time. But if you have the opportunity and you have the flexibility to many times, the best time to do something that's important to you is going to be in the morning because it's the first part of the day. And that way, if you get important things done at the first part of the day, then. It's already done and it can't be overlooked. It can no, no distractions can come and you just start your day off, right? And so the second best time to do things is at bedtime. And those two times morning time and bedtime are super effective because that's when your mind is super receptive to whatever you're doing right when you get up and right when you're going to bed. So if you have the chance, you have the flexibility. Use the morning time or bedtime to do your money affirmations.

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One way you can make sure to do that is by pairing it with one of your habits that you have in the morning or at bedtime. So if you're a person who gets up and drinks coffee, or you go for a. Or at nighttime, but just say before you go to sleep. That's one thing that I was just talking to our son about. One way that I did my Bible reading all the way from teenage my own teenage years, all the way up until adulthood was I read my Bible every night before bed. And so it wasn't a specific time, it was always just before bed. And so I was telling him, whenever you build your habits in based on your actual routine, then. That's how you can make sure to do things and not have to have 'em specifically on the, on the, on the schedule and so, or on the clock, right? And so. When you pair this habit of doing your morning affirmations or your bedtime affirmations with the other things that you do in the morning or at bedtime, then it makes it pretty simple and automatic. It's, you know, I do my skincare and then I do my affirmations, and then I read a little bit and then I go to sleep, or I get up, I drink my water or my coffee, I go for a walk and I do my affirmations. It's very systematic and it's an incredible way. To stack all of your habits and for right now, talking about affirmations, those are the two powerful times to implement them. Yeah, and I like this because Crystal, you know, we are increasingly working with more either entrepreneurs who are targeting the homeschooling niche, or we're working with actual homeschoolers who are. Pursuing their entrepreneurial endeavors to afford it. And that's what that, you know, that's why it's a focus for us within homeschool money. We've seen the mindset of, some folks is beneficial towards the growth of their business. And some maybe struggle with that and have a more closed mindset. That limits them and the opportunities that they can take advantage of. And so anything that could help a person implement. Their daily money affirmations is gonna be a good thing to do, and that's one of the benefits of putting your affirmations in the morning because then you get the benefit of having the whole day impacted by your affirmations. If you start the day off and then you're going and feeling great at all your meetings while you're homeschooling your kids, just all your decisions, everything is gonna be in a different attitude. Yeah. And so it can be convenient to do it and go to sleep at night, and it's, and, and that's very powerful. But if you can start your day with getting your mind right, your whole day is just gonna be different. So I would recommend, if at all possible, starting the day with it. But I always tell people to do what works for them. Something is better than nothing, and it works either way. But the number one way is gonna be to do anything that just has to be done. Do it in the morning, get it done, and have the rest of the day to enjoy the benefits. That's right. A second way to build a daily. Money, affirmations routine is to use the right language. This is incredibly important because when you speak in the present tense, like I am financially empowered, that sounds different to your brain and your brain actually listens to what you say the same kind of way as when someone else is saying it. So it's kind of like you're programming your brain. So when you say, I am something, it's different than I will be. Because I will be is in the future, and you want to go ahead and be taking on the identity of someone who is financially empowered or I have all the money I need to homeschool my kids, things like that. The affirmations that you say to yourself in the present tense are going to be. Received in a way that helps you actually feel different and how you feel and how you think are very much intertwined. And that will affect the results that you get because how you think impacts how you feel, and then it impacts your actions and that will impact your results. And so whenever you use that present tense language, it is another hack to help you be able to get better results. You wanna avoid using negative phrases because it's better to say, I am courageous rather than, I am not afraid. You wanna say what you are, you wanna speak to yourself in the positive. Not in a defensive mode, but in an, in an aggressive, proactive mode. Yeah. The same way that you would empower someone else. You want to empower yourself. That's right. I am Fill in the blank of what you want to be instead of playing off of a defense. I don't want this, or I am not that. That, that positive position saying what you are versus what you are not. Is, is a positive way to go, and that's a stronger way to submit something down into your, into your mind and into your, into your psyche and solder that into your, into your soul so that you feel good. We always go for what we want and naturally just go away from what we want to avoid. Yeah. You want, you wanna talk about what you aspire to be. Right. And that's, it's all about getting yourself in the mindset of being able to go and do the things and being. Having your actions aligned with the identity that you want. That's right. So that's what's gonna help you and give you that extra boost. That's good. So another way to build a daily money affirmations routine that finally sticks is to number three, engage multiple senses.

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That's right. If you say your affirmations out loud, you're going to hear them and you're going to feel them if you just keep 'em in your head. Yes. That's great. To say them in your head and just by thinking about them, that's going to be. Helpful to you, but whenever you, like I was just saying, when you say the words out loud, you have a voice going into your ears and your brain receives that differently. And then also just the energy of your actions with it. Like imagine standing in the mirror looking at yourself saying, I have all the money I need to homeschool my kids. You have energy with that. You know you're moving your hands. You can see your eyes, you can smile at yourself. You want to do that, and so you can feel where you are. You can see where you are, you can hear where you are. Just all these different ways that makes it more real to you than just thinking it. And so we wanna be super engaged and, you know, vi visualize your success and be emotional with it whenever you're saying your affirmations. Yeah, like whenever I go to the gym it's, it's my sport. It's what I enjoy doing. And before I do, and let's say I am gonna do bench press today, I I, I visualize and I even try to feel what it's gonna feel like to put the number of plates on each side that I am trying to lift. It's my goal and a part of my own personal. Sport of one to get to a certain, you know bench press number for the year. And so I'm always trying to up it every, every week or I'll make a cycle of making sure to increase my weight towards that big number every month. And, and so before I get in there, I do visualizations. I'll even like maybe hit on my chest a little bit. And that's a way of tricking myself into sort of feeling how to feel whenever I'm underneath that weight. And you know, I kind of, you know, kind of flex my arms and that kind of thing and get my triceps ready. It tho that's a part of my visualizations. I'm engaging multiple senses to prepare myself for that. I do the same thing before going for a run. Imagine being in the hot and imagine when my. You know, my feet are hurting or whatever, from the concrete and, and everything. And that is preparing me for what it is gonna feel like, you know, at the, at the second mile point or at the third mile point. And and so it's so important, as you said, to engage as many senses as you possibly can towards your daily money affirmations. And that is going to help you possess and truly become on the inside the person who. Actually is attracting and making more money for yourself and for your children, so you could afford homeschooling easily. Okay, so let's move on to number four. Another way to build a daily money affirmations routine that finally sticks is to make them visible. This is one of the my funnest ones that I like to do because I like creating things to inspire. Like even whenever I make my list of things to do, I like using different colored markers and I always use different colored markers. And I say, okay, like right now. It's October, and what did I do? I used orange and red for my list of things to do and for our monthly family calendar. 'cause I'm like, well, this feels like fall. So this whole month, as I'm looking at our goals, looking at our activities and all the outdoor concerts and all the things that we have planned, it's all in the fall colors. And I just, mm-hmm. I absolutely love it. And so when you make something visible. It just encourages you and so your affirmations are the same way. I like to get journals, I love journals. I love getting journals that are like my color of the year. I like journals that have, you know, scriptures or great sayings on the front, and so that is super helpful for me to write down my affirmations, my thoughts and things like that. And plans and goals. Also putting things around your house. On the wall, those are called anchors. And so when you put maybe a little symbol of something on your desk that reminds you of what you're trying to do, or you cut out some pictures and make a, a vision board, something to make what you're trying to do visible in your, on your, on a mirror, on your desk, on a in, in your wallet, you know, some people like to carry around things in their wallet and pull that out every now and again to remind them of what they're trying to do. And even. If you don't have something physical, you can use digital reminders. You can make, you know, screens, string covers and everything on your computer that pop up. Yeah. Pictures that pop up. Or even voice recorded. Affirmations. I know what we did one time was we just recorded some affirmations that we were doing. Mm-hmm. So then it's in your own voice. Yeah. And so I like doing that. I like even doing the. Recording the affirmations and then putting it with a playlist. Yeah. And doing like my own, like hype up playlist. Yeah. With my affirmations. Yeah. And so making things visible and to where it's inspiring you throughout the day. Everywhere you go in different rooms in your car. In your office that is gonna make it more real and help you build that into your life to where every time you look at something, look at those things, you're getting an extra boost to keep you moving along on your ultimate goal. That's right. That's good. Number five. Combine your daily money affirmations with visualization and gratitude. So one thing that's important is whenever you're visualizing what you want and doing your affirmations. It's a, and, and what you may be wanting is, you know, of course more money, bigger bank account balance, a, a, a lifestyle change. You know, just more activities, more curriculum, more relationships. You're it's in a, you're in an attitude of wanting more. But we also want to combine that with the gratitude of what you have now, because it's not all about just looking to the future and saying, this is more what I want. It's all about also saying, I'm thankful and grateful for what I have right now. And so whenever you're able to look at and appreciate all the blessings that you already have, like if you sat down right now and counted. What's 25 things that we have right now in our homeschool life that is beneficial, that's helpful, and that's letting us actually succeed right now, even though we don't have all those other things. That makes you feel content and it makes you feel abundant right now. And in that abundance, then you visualize what else you want because we don't want you to like visualize all these things that you want, and then you start feeling like really in lack, that can actually backfire on you, right? If you're constantly. Visualizing into the future, you need to be present right now. And so gratitude is a super important thing. You already have a lot that you can be maximizing. But it's okay to need more. So it's like we have five kids, we have a lot of great things going on, but of course there's some other things that we want to do. There's nothing wrong with that. And acknowledging that is the first step to being able to have it. And that's how you won't ever plateau and run into any, you know, negative, you know, consequences or anything of these kinds of things. So you start with your gratitude and you visualize the next things that you want. Those are like. The, the, the, the double combo right there. I'm glad that you spoke about this and talked about this because we don't want to create discontent by Yeah, that's the word right there. Discontent. Yeah. Discontent by just looking to what we want and what, and, and looking at ourselves now as though we are just completely lacking. Yeah. So being grateful for what we have and what we've been given now is so important. And looking and then properly framing the things that we want in the ways that we want to grow in our finances. And it helps to sort of test out the reasons why we wanted that. Are we just wanting that so that we can just take more trips so that, so that we can just buy, you know, better things? Or is there some framework for our futures, for ourselves and for our kids? That we are wanting to increase our resources for, so to create more opportunities for them to prepare for retirement in a better way and or to, you know, up-level your equipment so that you can have a, a, a well-equipped homeschooling space or home and those types of things. So it's okay, as you said to. Want to make more money we just have to pursue that and frame that stuff so that we're not like being in a place of discontent and living in that place. Yeah. 'cause you wanna enjoy the process. That's right. You don's don't wanna feel like, oh, I don't have anything and that's why I want something. It's way better to appreciate what you have and from there, just keep continue. With your next level. That's good. Yeah. Number six. The number six way of building a daily money affirmations routine is to align it with financial action.

Hey, I hope you're enjoying the show. We'll get right back to the discussion, but I do want to talk high level with you real quick. You see, transforming your finances so you can self-fund your homeschooling journey without a nine to five job takes a roadmap, right? And you may be wondering, where do I even start? Start at step one. Our Homeschool Money Makeover program breaks it down into five practical steps that help any family achieve a financially abundant. Homeschooling lifestyle. Step one, install the abundance Operating system. Most people believe that they need two, nine to five jobs to make it in America the truth. With all the technology and the tools available today, there's never been an easier time to generate six figures. A year in income working just 15 to 20 hours a week than today. When you have a strong why for homeschooling and you know the real costs, you unlock the courage that you need to become a money magnet without a nine to five job. Step two, get crystal clear about what you're gonna do with your first $1,000 that you make outside of your day job. Write down specific homeschool needs that a thousand dollars can cover. Yes, this is a small amount, but if you can learn how to set a target of make your first thousand dollars outside of your nine to five job, that's going to set a fire in your belly and the determination that you need. To make the next a hundred thousand dollars. Step three, find all the money falling through the cracks in your budget with Crystal's. Three financial coaching certifications. Listen, she's gonna help you be able to streamline your budget and free up money without sacrificing your favorite things. You can't build a strong financial future with money falling through your pockets, right? So let's plug up the leaks. Step four. Discover new ways to make money and claim free money available for homeschooling families. We discuss grants scholarships, proven fundraising opportunities that Savvy Homeschoolers are using, and we show you how to use them too. Step five, launch or Scale your Moneymaking Success System to completely replace your nine to five job income. Whether it's a side hustle, a freelance work, or a new business, identify your single most viable opportunity and turn that into $3,000 in income. $5,000, $10,000 a month in income or whatever you need to feel financially abundant. Implementing these five streamlined steps will make you feel more financially empowered than ever before. You'll gain the momentum that you need by step number five when you're making more money. You're going to feel unstoppable financially. Through our marketing consulting business, we've helped literally hundreds of entrepreneurs build online selling machines. That's what we do in our business life and launches, and we share our million dollar automated selling system with you. Inside the Homeschool Money Makeover program. Inside the course, you're gonna get all the video lessons, worksheets, templates, and guides that you need to walk through all five of the steps to transform your finances. And right now, during our special introductory offer period, you'll get bonus gifts plus our lowest enrollment price ever. Making it easy to enroll and make your first thousand dollars back. Fast. Go to homeschool money.com to watch our free class, and then you're gonna get an inside look at the full Homeschool Money Makeover program. Don't wait. Go to homeschool money.com to start the free class and enroll into the full program today.

This is super important because we're not just talking about, you know, saying affirmations what we're talking about is. How to get to our goals in a faster, easier way. And affirmations are part of that. So if you do your affirmations and you combine it with actions, then you create this powerful combination of, Hey, I did my affirmations and I'm also increasing my budgeting. So say I do my affirmations, and then right after that I also take one. Financial action, like maybe reviewing the budget or maybe reviewing some investment information or tracking something or setting or reviewing goals. So saying, Hey, in the morning I'm gonna do my affirmations, and then right after that I'm gonna take one minute or 30 seconds and do at a action that also moves me along that habit stack. Right? There is a combination that will continue. Have paying dividends later. And so you can use tools to do that. So if you have like a budget tracking software or app and then if you have maybe you know, some kind of program that you're in or anything like that, or a journal that you have. Something that you're using, that's a tool that helps you move things along, combine that with the affirmations. Mm-hmm. So A, do the affirmations. B, do the tool. And so when you do that, that is going to be a habit that gets you more results faster. That's good. That's really good. Number seven. This is the seventh way to build a daily money affirmation's routine that's gonna stick. It is staying consistent. Being consistent is always one of the things that is recommended anytime you're trying to do any type of goal. And so whenever you're trying to start something new like doing affirmations, you wanna give yourself time to be able to even make it a root, a part of your routine. And so that means remembering that it take, it can take up to 21 to 66 days to form any type of habit. So just put it on your calendar and then just keep. You know, doing it every day, just keep showing up. And if you do miss a day, just go by that rule of I never miss two days in a row. It's okay, have grace with yourself. But just remember that the daily action of doing something is what's going to get you there. And it takes time for things to be just routine and automatic. And so consistency is always gonna beat intensity because think about it, you, if you go to the gym and workout really hard. For, you know, a week, what results are you gonna get? But you've been working out literally since you were like a teenager. And so I remember whenever we were really young and I was like, you know what, whenever you're older, you're gonna be that guy that's still in shape because you liked being athletic and you liked working out just for the sake of it. You like liked doing it. Mm-hmm. And so you're gonna have compounding benefits. So now that we've spent, you know, 25 years together, you're reaping some of the benefits of being a person who has consistently worked out. And so it is not like you've out here, been out here, just. Working out and competing or something like that and bulking up and then doing that for just a month or two. It's been a consistent habit, no matter when we had kids or didn't have kids, and so now you're benefiting from it. And it's the same way here with the money affirmations. We are going to have better results if we make it a part of our daily routine and then we do it for the next year. That's right. That's right. So the final way, number eight, the final way of building a daily money affirmations routine that sticks is adapting and overcoming doubt. So this is whenever we have grace for ourselves because let's say whenever we talked about earlier, like saying I am this, and really owning that identity. Well, if you are at a place where you don't have the confidence yet to say it and you won't just go ahead and do it, then go ahead and adjust it if you need to and build yourself up and say, and use future tense and say, I will, because then that's still positive for yourself. And so just stay positive and just make whatever corrections you need to say in order for it to be real to you, because you don't want to lie to yourself. Yeah. You don't want to feel like, you know, imposter syndrome syndrome or whatever. Exactly. Talking to your own self, your own self will cry out and be like, no, you not either. Right. So Exactly, and so that imposter syndrome will hit kick up and then you'll have a whole different issue. And so you want to be flexible. The whole point is to have success and so you always want to just. Support yourself and do what you need to do to be able to stay consistent. And then you also want to revisit and refine your affirmations as your goals, you know, continue to change. Because right now, here at this time, you may need to say something and then a year from now if you keep. Listening to this podcast and you keep implementing these things, you're gonna have different affirmations 'cause you're gonna be in a different place if whenever you start to implement things, you change and grow and you never stop needing to grow and never stop needing affirmations. They just change. And so right now you may have. Had some affirmations from a few years ago that are outdated and you just need to update them and then get them more into tune with where you're trying to go. Now, especially like for us, whenever we first had our first child, what we needed to do was different than what we need to do now that we have five. We're a completely different family now that we have five kids, and so those things. Are important to do is to always just say, Hey, I'm going to review that. And we talk about that in another episode about just having that daily, weekly, monthly, annual check-ins in life on goals and everything. And so whenever you update your goals, you also need to update your affirmations and then you also. In order to adapt and overcome doubt is it's important to have that vision board. So keeping it in front of you, but also get yourself around supportive communities and supportive people. So one part of your community is this podcast. We're here for that reason. And then another thing is to just look at who you're listening to and talking to in everyday life. And remember that. Having more people around you and having more supportive information, content and just inputs, that is always going to help you get where you want to go faster because. Any type of resistance to what you're wanting to do is gonna create more friction and it's gonna slow you down. So just be aware that it's gonna be easier for you to overcome. Doubt. Doubt if you have positive reinforcements. And so you wanna do everything you can do. When you get up and you're talking to yourself, you don't, you know, we're not there. We're not saying find somebody else to encourage you. We're saying get up, encourage yourself. Go to sleep. Encourage yourself. That's right. It doesn't really, we didn't, we didn't talk about what happened in between time. It doesn't matter. Mm. Because, you know, we're taking control of what we say and do and think on our own. I love it. And that, yeah, that way we have more power. I love it. I love it. And that like directly ties into, and what you're saying is basically. Your number one enemy, your number one battlefield is not the government. It is not the economy. It is not the marketplace. It's not your niche. It's not your boss. The battlefield is your mind. And these daily affirmations and implementing this Daily Affirmations routine is going to help transform the number one thing that will impact and transform your finances, and that is your very own mind. Change your mind, change your finances, change your life.

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