7 Things Parents Can do to Ensure Their Kids Don’t Get out of College with More Loans Than Income

It’s Spring and millions of young people are completing their final semester of college. Some, like computer engineers and nurses, may have already been recruited and accepted offers with sign-on bonuses. Most, however, are putting out feelers, polishing resumes and sending online applications. Sadly, many of them will be working in jobs they view as below their education level or unrelated to their areas of interest.

It saddens me to think of these young people facing years of debt and disappointment when they realize that they were ill-advised by well-meaning  high school guidance counselors. Convinced that a 4-year degree is the ticket to a high-paying job, many chose “business” or “communications” as a major by default, figuring they can always work their way up in corporate management. But there are more college grads than appropriate job vacancies and if they are able to secure entry level positions, there are no guarantees that they will either rise in the company or have a job a few years on. Most important-will they be happy in those jobs? What about the kids who actually major in something they love like the arts or literature? How can you as a parent prepare them to find work that will pay the bills?

I’m not suggesting parents or counselors discourage college or insist their kids choose “marketable majors” but there are steps parents can take to help their kids prepare for the world they will likely face when they graduate. Continue reading

How to help your child create their OWN summer job doing what they love.

I overheard a woman say that her son needs to get a job because he has expensive hobbies. (this mom is an entrepreneur-ouch). I suggested that instead of getting a job to pay for his hobbies, she help him start a business. What could be better motivation for a child to tone his entrepreneurial muscles?

Some of the other parents were talking about teaching their children to read a balance sheet. Unless your child loves numbers, I think that’s a good way to make business feel like a big scary thing-not the best place to begin to teach your kids about making a living without a job. First,  teach them how to MAKE the money.

Sure they can do the usual kid jobs: babysitting, lawn mowing or selling lemonade but if that’s not their thing, guiding them to do something they don’t enjoy to earn money for a hobby they love is just priming them to turn into adults who pursue an uninspiring career in order to earn the money to take a ski vacation or trip to the beach once a year.

If we want our kids to grow into passionate, enthusiastic adults, why not show them now that they can turn that expensive hobby into their first profit center.
Here’s an example of how you can help your child create her own business from her hobby. If your child loves Continue reading

How do you make sure your creative business ideas are accessible when you need to generate income?

As a creative entrepreneur or aspiring entrepreneur, you probably have a zillion ideas that pop into your head when you’re busy working on something else. Then, when you find yourself needing extra cash for something like an emergency auto or home repair, vacation or anything else that requires more than your current income, you can’t recall the details of those brilliant ideas.
The best way to make sure those great ideas aren’t fleeting is to keep an Idea File. It can be as simple as a file folder with scraps of paper or a more complex digital file. Here are some tips for making sure those ideas are available when you need some inspiration or extra cash:

Always keep a pen and notepad or index cards in your car, your pocket or your purse. If you have that lightbulb moment while driving, pull over when you can and jot it down. Then, get into the habit of taking those notes inside and putting them in ONE specific place when you get to your home or office.

If you do use index cards, you can have a recipe-box file that you keep all those little cards in, filed under specific categories. Or, if you tend to clip articles and images out of newspaper or magazines, an easy alternative to a file folder is one of the old fashion photo albums with the cellophane pages that you peel back and stick down. Just pop in any clippings you’ve gathered at the end of each day.

Because I often get inspiration while driving, I speak into the recording app on my iphone. When I stop, I send it to myself as a message and later file it in my digital “Notes” doc Idea File. If you’re not a Mac User, you can create a simple Word Doc file and do the same.

If many of your ideas are visual, you might want to create different Pinterest boards for each idea category and organize your images that way.

Some people like to use a program like Evernote to keep ideas organized.

The main thing is to keep your ideas in one place that you can access easily without hunting through piles. If nothing else, keep a manilla envelope labeled “Genius” on your desk and gather any stray notes regularly daily or weekly.

If you have difficulty figuring out how to turn your creative ideas into income or you are long on passion but short on ideas, here’s how I can help you. Spring Idea Generation Special

The biggest barriers to freedom: what’s really keeping you stuck?

A lot of people view freedom in the free-range career sense as being a suitcase entrepreneur or working from your mobile office but freedom comes in many forms and changes over time.

If you want to break free of the chains that keep you stuck in a career or relationship that isn’t working for you, check yourself on these common barriers:

Don’t borrow start-up funds or become emotionally indebted. In business and in life, I think the biggest barrier to freedom comes in the form of debt. If you’re carrying a huge business loan, your practical self tells you that you are stuck. When I watch people keep drawing on a line of credit to throw more money at something that’s not working, I see someone who is chaining themselves down. You can also be tied down because of what I call debt-guilt. You stay in a job or a relationship because you believe you owe your boss or your spouse or your parent. So you don’t feel the freedom to move on because of this guilt. You’ve convinced yourself you’re trapped.

Get Clear About Your Stuff: I also see a lot of people who become slaves to their possessions. They want to downsize or relocate to a different city but believe they can’t because they have to deal with all their stuff. I’m not saying having a lot of material possessions is a bad thing. It’s only a ` negative if it’s controlling you. Freedom doesn’t have to mean dumping your worldly possessions. It can mean giving yourself permission to CHOOSE to nest and enjoy your collections. The key here is CHOICE.
Don’t keep your ideas, methods, programs a tightly held secret. Stop worrying about copycats. You need to share and teach other people what you know in order to grow your business and gain freedom. Yes, someone you train to help you could copy and try to compete with you but they aren’t you and if you came up with one brilliant idea, there are lots more inside of you. Talk about your big ideas because you may just get the word out to someone who can help you soar.

Give yourself permission to take educated risks. You’re not going to go hike the Appalachian Trail without water and a map but you don’t have to wait until you’ve read every single book ever written about it. Yes, you could fall and get injured but what’s more frightening? A broken ankle or regret at the end of your life because you didn’t at least try to do your dream?
Learn to delegate. Let go of the idea that you are the only one who can do your thing the right way. If you don’t assign tasks to your children, spouse or housemate because they may not do it exactly as you would, you’re losing freedom. Likewise, if you don’t delegate the parts of your business that are not your strength, you’re taking up time that could be spent expanding your area of genius. Get out of your own way by getting rid of tasks that drain you.
Make yourself dispensable. Years ago, when I started doing bodywork, my earnings were completely dependent on my being present. When I fell and broke my hand, I had no income for nine weeks. That was the last time I ever had a business that I couldn’t scale to earn whether I was there or not. If the only way you can make money is by being present and putting in personal hours for dollars, you are losing freedom. Create a part of your business that can function without you.

Be open to collaborate. Find those who have strengths you lack and partner on projects with them.
On the flip side, avoid long-term partnerships without collaborating on several projects with the person first. A dysfunctional partnership can keep you both stuck.

Give yourself permission to change course or to begin again. Let go of others’ expectations of you. My friend Marianne Cantwell of Free-range Humans says   the word “should” is “the anti -freedom.”
Just because your family, friends or fans see you a certain way doesn’t mean you have to always be that way. Freedom means allowing yourself to grow and change and do the unexpected.

Need help Funding Your Freedom Lifestyle? See how I can help HERE 




Are you treating your craft business like a hobby? Where are you purchasing supplies?

Are you still buying your supplies at Michaels, Hobby Lobby or JoAnn Fabrics?  If you’re just starting out, of course you need to figure out what sells best before you invest in large bolts of fabric, quantities of yarn, gemstones or glass.

If you’re going to make a sustainable living selling crafts, you have to make some items that aren’t one-offs. You need to have a bread and butter line that you can produce with fast turnaround even if your pieces are made-to-order.

Let’s say you make baby onesies, for example. You find five yards of adorable fabric on closeout at JoAnn’s and it’s a hit. You sell a ton of that item and people are favoriting it and coming back to your site to purchase but YOU CAN’T GET ANYMORE of that fabric. Yikes!

We live in an instant gratification world. Customers want everything now. If a customer is searching on Etsy for amethyst earrings and you run out of the beads to make your best-selling amethyst earrings, they are going to go to the shop with a similar product that can ship in a couple of days. And you’ve lost them. Probably for good.

So how do you make sure you can always deliver your best selling products AND put a good profit margin on your handmade crafts? If you’re a professional and you’re going to make a living selling crafts, you find a reliable supplier and purchase your materials in bulk. Now you’re probably thinking, “OK, so I’ll Google ‘fabrics wholesale’.” but that’s definitely not the way to find the best suppliers.

Here’s a tip: trade shows. Google “trade shows” + your industry. Of course, if there’s a trade show near you, by all means go to a trade show. You’ll learn a lot and be inspired but you don’t have to do that anymore to find suppliers. Simply go to your industry’s trade shows websites and study the exhibitor list. Then call the rep or distributor for the products you need and that’s how you’ll get the best price. Also, the rep should let you know if they’ll be closing out a particular item. If you can purchase a large enough quantity to keep you stocked through the season, great. Otherwise, select materials that they will be able to continue supplying.

You can also fnd a huge list of trade shows for the maker industry in the Beyond Etsy E-course. 

The most successful Etsy sellers I know have a line of at least a dozen products that they can replicate again and again and ship quickly.

If you plan to make a full-time living selling crafts professionally, it’s time to buy your materials like a professional.

Where are those inspired entrepreneurs today?

One of my favorite parts of being an entrepreneur is that I don’t have to do the same thing forever. I can vary my days and even create new projects or totally switch directions if I decide to.

Many of you just starting out might be suffering the fear-of-choosing-one-thing because you forget that the business you start with doesn’t have to be what you’re doing in five years.


This morning I was looking back over some of the creative entrepreneurs I’ve featured on Inspired Livelihood and thinking about how some have grown their businesses in new directions. I’m going to update you on where a few of them are now. I hope this will inspire you to examine the possibilities of all your options.

Melissa Morgan, Ms Cupcake, has published a cookbook  and has launched a wholesale line of cupcakes that are now carried at nine Whole Foods Markets across the UK. Customers will be able to pick from a menu of eight gorgeous flavours – Chocolate Explosion, Chocolate Peanut Butter, Bakewell Tart, Banana Chocolate Chip, Blackberry Cheesecake, Carrot Pineapple, Lemon Blueberry and her best-seller The Ambassador. Melissa says, “The partnership is an exciting step forward for us as we are on a big mission to bring decadent vegan cakes to the masses and there is no doubt a launch at Whole Foods will ensure amazing free-from products will get to a wider customer base.”
Ruth Davis has published a powerful new book “Heart Sparks: 7 Practices for Loving Your Life”.
In 2015, she took her book tour cross country and also has developed new Mac iPad and iPhone training products at Mac2School.

Carla Blasek sold her wonderful Zena Moon candle business and followed another passion. She founded K9 Support NW. Carla says “Our mission is to raise funds for police K9 units in Washington, Idaho and Montana that are in need of supplemental funding to purchase dogs, ballistic vests, training and equipment. We also plan to work as an educational resource for communities by helping to explain how K9s benefit both police departments and the community.”


Sherry Belul has added a DIY Celebration book e-course. The course includes simple, printable templates and with step-by-step instructions, audio and video and a complete resource list for creating an amazing tribute book. Sherry says “By the end of this class, if you follow along with us, you’ll have a ready-to-present gift in time for the holidays”.

Laura Cottril continues to grow her portrait photography business and has also partnered with her sister Nancy Barbarino in a new business, LalaandNini , creating quality handmade jewelry and art.



Connie Hozvicka Solera continues to co-present her twice a year 21 Secrets with a diverse and talented circle of artists eager to share their art journaling secrets with you. 21 SECRETS. She also teaches her signature Fearless painting and has just a couple of spaces left in IGNITE, a program to mentor women who are ready, ripe, and willing to navigate the uncharted territory of their hearts, creativity, and ways of showing up in the world sustainably and powerfully as artists, teachers, and leaders.  Connie says “My IGNITE programs go deep and invoke women to discover and own their innate greatness, passions, and creativity.” You can still sign up for her free information call Monday, December 14th.


Kathy Doherty has moved again as her husband’s job took them to Colorado. She has a new handmade business Pup Panache,  a delightful collection of all things dog — Swarovski crystal leather dog collars, stylish, comfy, no choke dog harnesses, doggy backpacks, and dog hats as well as pattern for DIY dog apparel. . She is committed to high quality items that are comfortable for dogs.  Check out her Etsy site

Featured artist Kaliyah Crowe

this mystery Kaliya Crowe is a Shamanic Practitioner who expresses through multimedia art with assemblage, collage, altered books, sculpture and murals.

By connecting to the creative energy through inner journey work, selected items are chosen for the piece. These items may include a wide variety of vintage items, manuscripts, found objects, fabrics, handmade papers, found or made textures, as well as various types of paint to apply layers and layers, creating interesting depth to the work.

These items help explore the visual and textured surfaces that invite, at first, a casual glance, then draw in the deeper involvement to the emotional depths held within the piece. Each work renders the appreciation of the juxtaposed characters, hieroglyphics, pictures, words, objects, and textures that invoke the depth of feeling that focus on the inner worlds and their deeper meanings.

Kaliya’s custom commemorative collage pieces make perfect gifts. You can view more of her work HERE 


An inspiring story: creative entrepreneur makes a strong artistic comeback

IMG_2496   Carol Andrews’ background as a retail buyer and professional portrait photographer prepared her to launch this brilliant new art form and giftware business called Art Glass Visions. I find Carol’s story inspiring for so many reasons. After losing her husband to a heart attack and her home studio in a hurricane, Carol bounced back from the depths of depression and rebuilt a new creative business. She’s also one to take action, not just talk about it. When I met Carol in September, she had the idea of turning these gorgeous photographic images into stained pieces. After we brainstormed with a group of other artists, Carol went home to Texas and immediately put her plan in motion in time to offer these gorgeous pieces for the holidays. You can read more about Carol’s creative entrepreneurial journey here as Carol talks about taking her art from portrait photography to nature imagery to a new line of stunning gift ware based on her images. Continue reading

Small Steps Change the World

Whether it’s a desire to see a greater effort toward energy conservation, improving literacy or eradicating a crippling epidemic, all it takes to get the movement going is a big vision and a tiny step.  The resistance I  consistently hear from  clients and friends is that they want to do something that makes a difference in the world but feel powerless as one person to make a dent in whatever the issue is. Frequently, a great idea is as far as it gets because they may have a grand vision for social change but are paralyzed by a feeling of overwhelm. True, one person can not change the world without a dedicated tribe of supporters and some of the changes may take more than our lifetime to come about. It’s common sense that nothing will get accomplished if someone doesn’t start it, and that if a lot of people do a little thing, it becomes a bigger thing than the sum of the parts.  Let’s look at the example of polio. If one man hadn’t had the determination to keep trying until he developed a vaccine, many of us would not be walking today. And even though no one person can wipe out millions of cases world wide,  each of us has the power to vaccinate one child for the price of a postage stamp. Continue reading