We both know that bill collectors aren't most compassionate souls. If you deal with them, try not to be defensive nor try to ignore them. Silence isn't golden in this instance. However, you can't let them intimate you or make you feel guilty either -- and they surely will try too. Bring no emotional attachment to their call, conversation, or even after you hang up. This will affect your energy and zap your progress.

Just imagine having one of these a day, and if you do, it’s a-no-wonder why you're feeling drained, unattractive, and not making any money. This spiral emotional ride puts you on fast elevator ride to basement.

4. Maintain a list of emergency money generators. These are items that you can use that require little or no planning, either because you have it done or it just doesn't need it, that deliver short-term cash. This is an insurance cash flow list for your business. Everyone needs this whether running a business or not, even if it means unloading boxes at your brother-in-laws warehouse.

If you list a temporary agency, who are they, have you gone over there already and established a relationship. Set up groundwork so that it’s easy to jump into when "you" need it. Being mindful of all your options, and not mindless, adds to your confidence and ability to manage your cash flow during shortage.

5. Separate emotions from money and separate thoughts of debt that is an investment and debt that is due to irresponsibility. If you are going to operate a business, be accountable, especially if you have employees. People say to me that one of their number goals is to be debt free. If you have a habit of creating irresponsible debt then even when you become debt free it will not last because mindset and habits didn't change.

Change your attitude and remove emotions. Separate investment debt from other. Why wait to be happy, live your life with a debt free mentality now. Most children grow up without understanding money and base their knowledge on emotional expressions they hear from others. Then as adults they are thrust into world and told, "You're suppose to know better."

Take a class on money management, stop reading books if they aren't helping. If you already taken a class, hire a money coach. Keep debt manageable and be an responsible adult and business owner. There aren't any excuses for poor money management.

6. Don't spend yourself poor with feast or famine. Don't be tempted to pay off all your old bills and leave yourself impoverished all over again. Your mental health will be stronger if you set aside some money and watch it accumulate. Just knowing you have even smallest of funds stashed away will lighten your walk and smooth your sleep.

7. Get smart about your money. I mean, SMART. Get Specific, Measure it, be Accountable, make them achievable, Realistic and Time is now. Our beliefs today have no resemblance to beliefs of money our parents have, nor will next generation have with yours. Challenge all early assumptions you have about money. Challenge them every day until. Do it until you learn to manage it. Do it until it works for you.

Get off elevator cash flow ride, have less paper, scotch tape, and paper clips around, and put some money away for that rainy day. I don't think either of our grandmothers where wrong on that philosophy.

(c) Copyright 2005, Catherine Franz. All rights reserved.

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