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When I Worry About Going Broke

January 6, 2012 | By Rosetta |

rain

Someone asked me if I ever worry about going broke. The answer is an unequivocal YES.

It’s been two years since I’ve been working for myself full-time. And cashflow still seems pretty unpredictable.

Sometimes I don’t have enough work. Sometimes I have more work than I can handle.

Some months I don’t make enough income. Others I make more than I need. (Having multiple income streams helps to even this out.)

***

Winter is the slowest time of year for my business. It has been this way ever since I starting speaking and consulting as a side hustle in 2008. While it was all fine and good to have a dip in income when I had a full-time job, now that I work for myself it scares the hell out of me.

When too many weeks go by without me getting a hefty enough check, these are the kinds of things that go through my head.

Oh my God, it’s been 2 weeks. I’m never going to get another client ever in life. 

Maybe my prices are too high. Maybe they’re too low.

What’s wrong with people? Why aren’t they buying my stuff? My books are useful! My speaking inspires new ideas! My coaching sessions help people move to the next level! Right? Right?!

***

Despite the fear, I make myself keep going. I make myself do one thing every day, even if it’s just writing a blog post, sending an email, or following up with a new connection.

I should be familiar with fear by now – the panicky feeling in the pit of my stomach, the lingering sense of dread when I get up some mornings, wondering if I’ll make a sale or book a client or get a check in the mail. I know how debilitating it can be. Right now at this very moment, there’s a big project on my plate that I haven’t worked on for months, even though I know that finishing it will mean a new source of income for my business.

Fear is brutal when you let it beat you. And the fact is, sometimes it wins. But sometimes, you do. Either way, the battle has to be fought on a daily basis.

As an entrepreneur, I’ve learned that both success and failure are impermanent. If business was a boxing match, you would never win the belt. On Monday, you might get a few jabs in, but by Thursday you’re up against the ropes. On Friday, you wake up feeling bruised and groggy, yet lucky you get to live to fight another day.

***

When I’m centered enough to sit still and breathe, this is my mantra during the rough patches.

Fear flows through me but it is not me. I am bigger than fear. I am beyond fear. Fear does not define me. I am not fear.

When I take care of myself enough to think clearly, I do what I know works.

I create. I serve. I connect.

I blog. I network. I ask for the sale.

I remember that there is no “can’t.”

The universe does the rest.

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There is No Can’t

January 4, 2012 | By Rosetta |

Lady in Red

Here are some more popular lies we tell ourselves:

  • I can’t do/say/try/wear that.
  • I can’t stop smoking/drinking/overeating no matter how hard I try.
  • I can’t get started on my business for some reason.
  • I can’t stick to an exercise regimen to save my life.
  • I can’t find a decent guy to date, the good ones are all married or gay.

But is it not as true or truer to say this instead?

  • I am not willing to do/say/try/wear that.
  • I don’t want to stop smoking/drinking/overeating.
  • I am not willing to get started on my business.
  • I don’t want to stick to an exercise regimen.
  • I will not do what it takes to find a decent guy to date.

Barring an actual physical or mental limitation, there is no “can’t.”

There is: “I don’t want to” or “I’m not willing to” or “I will not do what it takes to make it happen.”

But there is no “can’t.”

And it is so freeing to be able to own that truth in your life.

What is the truth for you?

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My Last Night in Honolulu: Music, Mai Tais and Merci

December 22, 2011 | By Rosetta |

On my last night in Honolulu, I went to see a live band at Mai Tai Bar. That night, the Typical Hawaiians were playing. I would describe their music as low-key reggae with a Hawaiian flavor. Even the crowd was laid back. I had a mai tai. They make ’em strong, so it was a one and done deal for me. At the bar, I met a guy who reads tarot cards for a living. He told me I had “great energy.” Can’t argue with that, I guess.

Before that, I had teppan-yaki for dinner at Tanaka of Tokyo. I got the scallops, which they seared perfectly on the grill in front of me. (I supposed I should start calling myself a pescatarian now, with all the seafood I’ve been eating in Honolulu.) I got seated with a beautiful family from New Caledonia. Despite the language barrier, we had a neat conversation about what it’s like to live in our respective countries. They even tried to teach me a little French, but I got lost after “merci.”

Here’s some of what I did during my three 1/2 weeks in Honolulu: I updated the 31 Day Reset Workbook; booked some new coaching clients; conducted a few conference calls; cultivated a couple of new contracts for 2012; fell in love with udon and tempura, spent the day at Yokohama Beach with a lovely, eco-conscious couple; had the best sushi lunch at Aloha Sushi; experienced the most random tweetup ever with a beautiful sister from Kenya and the social media diva of Honolulu, not to mention several life-affirming conversations with complete strangers.

I also cut my hair. Again. It’s back to the teeny-weeny afro I started with 18 month ago in my natural hair journey. I went and got a pair of $5 hair-cutting scissors from the drugstore and chopped it all off over the small trash can in my room. I did it to remind myself that long hair or not, I am still beautiful, powerful and free.

What I realized as I was packing up to leave the YMCA is that I could have done most of these things from anywhere. Being in Honolulu this long has just shown me that my ideal life narrative – my Plan A – is totally possible. It was a great reminder for me to just keep showing up with my unique gifts, led by a sense of authenticity and faith in the innate goodness of people.

The universe is showing me, over and over, that I can be 100% Rosetta from wherever I am.

And for that, I am saying, merci.

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Go Live

December 20, 2011 | By Rosetta |

Hands in the air - in concert

Over the past four years, I’ve developed quite a few blogs for my personal and professional development. I’ve also helped others launch their own websites as well. I’m no web design guru, but I can figure out how to get a simple, functional site up and running with relative ease. (For example, I designed the Happy Black Woman blog you’re reading now.)

Although I love learning all the ins and outs of WordPress and plugins and themes and widgets, my favorite part of the technical process of starting a new blog/website is the moment when it “goes live.” This means that the site is now ready to be viewed by the public. It may not be 100% perfect (in fact, it never is), but it’s good enough to show the world.

This is a great metaphor for your work in 2012.

Go live.

Think of 2012 as your launch year. The perfect year to start that business venture you’ve been talking about, set-up that new website you’ve been procrastinating on, get going on that longtime personal goal everyone else thinks is crazy, land that dream job you’ve wanted for so long.

2012 is the year to go live.

If you’re fortunate enough to wake up living and breathing on January 1, 2012, the best thing you can do to thank God is to use the rest of the year to share your unique gifts with the world.

Ask for help if you need it. (We all need it.)

Just get going. Then, tweak for “perfection” along the way.

It’s time to show the world what you’ve got.

We’ve been waiting on you to spread your beautiful wings.

We’ve been waiting on you to show us what you’re really made of.

Go live.

Stop hoarding your passion. Put it out there where we all can see it.

I know it’s scary.

Do it anyway.

How are you planning to “go live” in 2012? What will it take to make it happen? Who can you ask for help?

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The Choices We Make (or, What I Learned from Getting My Car Repossessed)

December 16, 2011 | By Rosetta |

fork in the road

When I was in college, my car got repossessed. As in, one minute I had a car and the next minute I didn’t.

What had happened was . . . my mom had been paying my car note and, unbeknownst to me, had fallen on hard times and stopped making the payments. (This was about 10 years ago, way before she got a fancy MBA degree and her own business.)

Anyway, one weekend I went to visit mom and the repo man came and got my beautiful blue Toyota Corolla right from the parking lot of her building.

At the time, it was devastating. Embarassing, even.

I had been saving up for a study abroad trip to Greece led by my poetry professor and mentor. My grandfather had also given me some money to help me travel there. I was already working three jobs to pay for my off-campus apartment and all my other expenses. I could not afford to get a new car AND still be able to pay for the trip to Greece.

At the time, it seemed like I had no other choice.

I remember taking out all the savings I had at the time – about $3,000 – to buy a beat-up old red Saturn to replace my beloved Toyota. I went to the bank to get it all in cash, which is what the seller had asked for in the classified ad.

I handed over all those hundred dollar bills in quiet resignation, wondering if having my own ride was worth the pain of not being able to visit one of my dream destinations. I also wondered if I would ever get that chance again.

To this day, I wish I had gone to Greece instead of buying that damn car. 

The thing is, I could’ve made do without a car. My fellow students were doing it everyday. They were the ones bumming rides off of me! I could’ve learned to take the bus, used the university shuttle, or rode with friends.

But somehow, I got it into my head that my only choice was to replace the car that had been taken from me. I thought I needed my own car to be OK, to be able to get to all of my jobs and not have to depend on other means.

That is just one (of many) choices in my life that I wish I had approached differently. I suspect that the way I am choosing to live now (and my plan to travel abroad later this year) is being subconsciously influenced by the perceived mistake I made in the past of placing more value on things vs. experiences.

You probably have your own story like this. Maybe not of your car getting repossessed, but of a choice you made in the past that you would likely do-over if you got the chance. Maybe you think about it every once in a while (or all the time) – how your life would be different if you had just taken that other fork in the road.

But of course, the only thing that matters is the way you choose to live your life now.

The choices we made in the past are part of our history but the choices we make now will be part of our future.

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Home is Wherever I Am

December 15, 2011 | By Rosetta |

This is my home right now. The women’s dorm at the Central YMCA in Honolulu. I’ve been living here almost two weeks. (Before this, I was staying in one of the lovely Westin hotels in Waikiki for a conference I was invited to speak at.)

I can be in Hawaii for three weeks because I have nothing holding me back from doing so. I have no apartment, no mortgage, no “stuff” waiting for me to “take care of” when I “get back.”

In living with less, I am also experimenting with impermanence.

Technically, I do not live anywhere, which means that I can live anywhere.

On Tuesday, I had a lovely lunch with a woman I met at the conference I spoke at. We had the best sushi I’ve ever had in my life. I tried inari for the first time. Tasty stuff!

She asked me what I was doing in Hawaii for so long.

“Living,” I told her.

That was the short answer.

The long answer is that I want to be able to live in different places without a lease for a while. Right now, I do not have a permanent address and I don’t want one. (My mail gets sent to my mom’s house.)

After this, I’ll be in Florida and then back to the DC area for my birthday on New Year’s Eve. After that . . . who knows?

I saw a place in Baltimore on Airbnb that I may rent for a few months. It’s in a really cute neighborhood. Then, perhaps I’ll continue on to Charlottesville for a month or so. It’s so lovely there in the spring. I visit there every March for the Virginia Festival of the Book, anyway.

Then, maybe the stars will align to bring me to Portland for the summer. Portland just seems like a neat place. With lots of food trucks.

All of this is in pencil.

My sister freaks out whenever I tell her I’m going somewhere new. She likes stability for herself and wants the same thing for the people around her.

I’m the total opposite. I like change. And even though it scares me a bit – the adventure of not knowing what’s going to happen next. It’s why I got rid of most of my stuff.

So that I can go anywhere. (Or maybe so that I won’t have the excuse not to.)

Besides, what I am learning is that home is wherever I am.

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What Brings Me Back: How I Re-Center Myself When I Feel Out of Balance

December 14, 2011 | By Rosetta |

I told you months ago about the book that really got me into practicing meditation, now a few times a week. The concepts outlined in Thich Nhat Hanh’s You Are Here have made me more mindful of who I am, where I am and what I bring to the world.

There is one strategy in particular that I took from the book that I want to share with you today. It is simply a phrase that – along with taking long, deep breaths – helps me re-center myself whenever I feel “off” or out of balance for some reason during the day. I memorized it, not just for memorization’s sake, but because I found that it works for me.

Breathing in, I know that I am breathing in.

Breathing out, I know that I am breathing out.

It is what I chant to myself as I inhale and exhale, not just during sitting or walking mediation, but also when I’m waiting in a long line at the grocery store or stuck in traffic or just waking up in the morning to an inbox full of emails and to-dos.

In this way, I remember to pay attention to my breath, no matter what is happening around me. I force myself to stop and acknowledge the fact that I am here.

Breathing.

Alive.

Sometimes, I modify the phrase.

Breathing in, I am here and I know that I am breathing in.

Breathing out, I am here and I know that I am breathing out.

Do you have a strategy or phrase that brings you back to center during the day? If you choose to try this one out for yourself, let me know how it works for you!

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Do You Use Limiting Words or Possibility Words?

December 13, 2011 | By Rosetta |

It can be really scary to talk about possibility, even though you know you want to explore new options for your life.

A friend, family member or even your coach might suggest something for you to pursue, maybe something that has worked for them or someone they know in the past.

Right away, your lizard brain wakes up and starts throwing out all these reasons why this path might work for someone else, but it’s just not possible for YOU.

The lizard brain loves limiting words and phrases, like these:

  • I can’t…
  • I couldn’t…
  • I’m not…
  • I’m too…
  • I can’t afford to…
  • I don’t have enough…
  • I don’t have much of a choice…
  • I don’t have a say in the matter…
  • The economy is too bad right now, so …
All of these phrases stop possibility in its tracks.

They close the door to brainstorming ideas that will actually help you move forward.

They are also kind of a downer, right? No one gets motivated by hearing themselves say, “I can’t.” It just doesn’t happen.

When you have a challenge to face in your life or a change you want to make, it’s helpful to come up with phrases that open the door, not close it.

Possibility words and phrases sound like this:

  • I am…
  • I can…
  • I will…
  • One thing I can do to move forward today is…
  • The first step to figuring this out is…
  • I have the skills to start…
  • I will save up enough money to do this by…
  • I already have enough to be able to…
  • I can learn what I need to know from…

What limiting words are you using now that you can begin to eliminate from your vocabulary? What possibility words can you replace them with?

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How to Live in Hawaii for 3 Weeks (Five Tips for Long-Term Travel)

December 4, 2011 | By Rosetta |

This is what I look like in Hawaii. How did I get here? A very nice client flew me and my co-author out to speak at their conference and I decided to stay on for three weeks. So far, it’s been an amazing time. I’ve been getting so much love from people here.

It feels like I’ve come home.

Technically, I have. As you may know, I actually lived in Hawaii for six years back in 1994-2000 after my mom married a Navy guy. We were stationed on Pearl Harbor and I went to middle and high school on Oahu. I come back here every chance I get, which until now has meant a week of vacation here and there over the years. This trip is a little over three weeks, so it’s very different than what I’m used to in terms of how I usually travel.

There is so much I can share just from the first few days I’ve been here, working and connecting with people. But for now, I just wanted to offer a few lessons (and photos!) to illustrate what my experience has been like so far.

Pack Light

For my trip, I wanted to travel as light as possible, but without having to buy a bunch of new stuff once I got here. So, I ended up packing one carry-on bag as well as one small duffel bag that I had to check. I was able to fit all my clothes in my Heys carry-on, but I wanted to make sure I brought a few light sweaters, tennis shoes, plus toiletries that could not be taken in my carry-on due to airport rules. Honestly though, I probably could’ve done without the duffel if I’d planned each of my outfit possibilities more carefully. I put my 2 laptops, camera, iPod, all my cords, a few books plus healthy snacks in a backpack that I also took on the plane as my “purse.”

Stay at a Hostel, Not a Hotel

Picture1Hotels are really expensive, especially for 21 nights! The conference organizers put me up in a fancy Westin hotel for three nights that of course, I couldn’t afford to stay at long-term. So, on the recommendation of a friend from high school who still lives in Honolulu, I made arrangements to stay at the YMCA residence hall, which is essentially a hostel run by a reputable nonprofit organization. I have the single room with community shower and bathroom that costs $250 a week (compared to $450-$700 a week at the cheapest hotels). It has the basics, a twin bed, desk, chair, nightstand, mirror, and a small wardrobe with drawers and a place to hang a few items of clothing and towels. They have a cleaning crew that cleans rooms once a week, but drops off fresh towels (and empties your trash) daily. I share the community bathroom with the other women on my floor, of which there seem to be few. My floor is women-only. There are showers, toilet stalls, sinks (these are cleaned every day). My lodging here is bare and cheap, but the place is pretty quiet and the people are really nice. It also helps that the hostel is right aross the street from the main tourist hub – Ala Moana Center. Ala Moana has pretty much everything I need – good cheap food, grocery store, and free wi-fi at Nordstrom. Plus, all the major bus lines and trolleys stop there so I can get to mostly anywhere I want to go on the island for about $2. And across the street from Ala Moana is the beach!

Find Cheap Food Options

The major downside to this hostel is that there is no community kitchen (though there is a community microwave) or refrigerator. There are no microwaves or other heating tools allowed in your room. It’s made it tough to stick to my food budget of $15 a day and remember that I’m not a tourist, I am essentially living here for three weeks and need my money to stretch. So, no fancy dinners on this trip! My favorite cheap places to eat so far: Marukame Udon, Zippy’s and Shirokiya. I LOVE Asian food, so the cuisine in Hawaii is right up my alley. I’ve been eating mostly noodles, rice, tofu and sometimes fish or shrimp. I typically have some type of bread or fruit for breakfast, some type of noodles for lunch ($5), then some type of rice dish or combo meal for dinner ($5-8). Plus lots of water and tea. To further cut down on my food costs, I also picked up a few nonperishable items from the grocery store like bananas, nuts, cereal bars, bread and nut butter.

Attend Free or Low-Cost Events

I’m not doing all the tourist stuff while I’m here like luaus or island tours, since I’ve lived and visited here before. The beach is enough of a tourist sight for me! So beautiful. And free! But I’ve also been able to find free social events as well, so I don’t feel totally alone here and I can mingle with other people my age. Before I left, I had scoped out some upcoming networking events and free cultural happenings, so I had a few things on my calendar already. Then, a few people at the conference told me about a few more sights to check out while I’m here. Today, I went to Ala Moana to watch a Hawaiian Christmas performance with hula girls which was really good. Last night, I had a blast at the First Friday Hawaii event in Chinatown – it was a big block party with food, drinks, music, art and dancing from 6pm-2am! People were everywhere and all the military cuties were out in full force. I’m still cracking up from this one guy (he had way too much to drink) who came up to me to get his mack on and said he thought he was in love with me. Womp! The scene was pretty wild LOL.

Make New Friends

For the first few days I was here, I spent most of my time with people I knew from the conference who were here from the mainland. I also made plans to hang out with my high school friend who lives on the island. But I was actually invited out to First Friday by new people I met at the conference. I ended up meeting them for dinner and drinks at this cool vegan-friendly diner called Downbeat where I had the best vegan burger ever. They also invited me to a boat party they’re having in two weeks. Then, one of my colleagues from the mainland introduced me to one of his college friends on the island and his girlfriend, who was really cool. So I might hang with her some more while I’m here. I was also invited to go check out what the protesters are doing here for Occupy Honolulu, which should be really interesting. People in Hawaii are naturally very friendly, so it’s almost as if you have instant friends once you meet one group of people. They seem to welcome you in and want to show you their island. As an introvert, I’m really grateful for this kind of hospitality!

Overall, living in Hawaii for three weeks is NOT the cheapest trip to take, by far. But I am essentially spending in three weeks what I would typically have to spend for only a one week trip, so for me it is well worth the money to be able to stay here longer.

Have you been on an extended trip before? What tips helped you save money and have fun at the same time?

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How to Be a Minimalist During the Holiday Shopping Season

November 25, 2011 | By Rosetta |

I’m staying in the house as much as possible today. The crowds are always out in superhuman force the day after Thanksgiving, grabbing all the deep “discounts” on items that most normal people won’t ever need.

Of course, it takes me back about 10 years when I used to get caught up, too . . .

In 2002, when I was still in college, me and my boyfriend got up at 4:00am to hit up the nearest Walmart on Black Friday to buy Christmas gifts for our friends and families. We thought we were so smart and so thrifty to be shopping early. But there was so much dumb stuff on sale at Walmart for $5-20 that we ended up buying things we never even thought of. Things like: a pancake flipper, a boombox and a popcorn popper that all looked fun in the package but that the people we gave them to never used, not even once! After that, I realized how silly and wasteful it was to (literally) buy into the holiday shopping frenzy, just to be able to say we bought someone a gift.

After all, what we remember most about the holidays is the time we spend with the people we love, not the stuff they bought us.

Now that I’m practicing living with less, I’m predictably anti-Black Friday and all other over-the-top holiday consumerism. The retailers and marketers would love to have us believe that we NEED the next iGadget or the newest line of clothing and what better time to get it than 50, 60, 75 percent off? Yet, after the temporary high of playing with our new toy or wearing that new outfit, we usually revert back to our previous level of contentment. Why? Because having more stuff does not make us happier. Experiences do. Accomplishing our goals does.

But enough of my soapbox! That’s not why I wrote this post. I just wanted to share a few rules you might consider for yourself as you shop (or fight the urge to shop) not only today but during the rest of the holiday season.

Two Rules for Black Friday (and All Other Holiday Purchases):

  1. Buy it only if you really need it. (Items that replace something worn or broken that you use/wear often. Things you’ve been saving up for and that the holiday discount will finally allow you to afford. Tools that will help further any of the goals you have for your business, career or your ideal life in general.)
  2. Buy it for someone else, but only if they really need it. (Ask yourself if your sister really needs another random $100 gift card from you to show you care. It might be worth more to use the money for a special girls night out, just the two of you. That’s a memory you will likely keep with you for the rest of your life.)

You can honor yourself by spending your money in a way that feeds your goals and dreams, rather than takes away from them. This is what I think of every time I even think about taking out my credit card to buy a new item of clothing. This is why for me, Black Friday (or any other shopping extravaganza) just doesn’t make sense in the context of the goals I have for my life in general.

I’ve finally realized that I don’t need it all. I just need enough.

What about you? Does Black Friday help you meet your goals? How do you navigate the holiday shopping season?

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