Summary: Becky Beach talks about her Money Story and how she overcame poverty and was $150,000 in debt. Trigger warning: There is content about mental health and suicide attempts.
SPEAKERS: Becky Beach
Audio duration: 26m:47s
00:00
Did you know you have the power to change your life? It all depends on your beliefs. If you have limiting beliefs, you’re limit yourself. I’m Becky Beach. I’m here to help you overcome your limiting beliefs. So, you can design your dream life. This is the Becky beach show.
00:18
Hi, everybody, I’m Becky Beach. I’m the owner of mombeach.com A Finance Blog for moms, I also help moms with lifestyle and to help them find success and balance. I am now a six-figure blogger actually quit my job last month if you can believe it. Yeah, I’m free! like I’m not working the nine to five any longer. I do blog full time and it’s amazing. And it’s just really love it. But my money story wasn’t always as positive, it used to be very negative, actually, I grew up very poor. And I lived in a house that didn’t have any electricity or running water for several years. My mother had schizophrenia and she lost her job and she used to have these screaming outbursts at night, it was very difficult to grow up this way. And I was abused, it was just the worst experience. I just want to even put this on my worst enemy, it’s just an awful experience growing up.
01:08
So, I just thought money was like super hard to come by when I had to scrimp and save every penny I earned, it was very difficult, and I used to sell drawings at recess to make extra money to build afford lunch. Like it was just very hard growing up in this environment and I had a little sister too, that I take care of, my mother was just super crazy, like, she would just scream and yell and hit me. And it was just very difficult so then, my dad in a getting custody of my sister. When I was 12. So, things got a little bit better, we moved into a nice apartment, he was a teacher. So, teacher’s salary, he only got paid once a month. So, it was still tough, make ends meet. But still, we were out of that situation, because we just had no electricity or running water, I used to do my homework by candlelight, my mother would always run the fireplace and create all this smoke in the house, because she was just really nuts. It wasn’t her fault. She had a mental illness, but she would create all this smoke in the house. And then when I wake up, and my nose, there was smoke coming out on the napkin, you know, and it my clothes smell like soot, it was just horrible. So, my dad would give us a clean pair of clothes, when he came to get us drops us off at school, my parents were divorced, my dad actually left my mother.
02:24
So then again, he had gotten custody of me and my sister when I was 12 years old. So, we were able to get out of that situation, it was very hard growing up, it was such a dreadful environment like that. So then again, we’ve gotten to the apartment when things got better, but then my mother was taken in because she was became homeless. So, my dad brought her into the apartment, and the abuse kind of continued, so it got even worse and so then after that my mother finally got into a group home. So, then that was really good, because then my dad could make sure she was being taken care of, well, in that group home, my sister and I we were able to function better too because my mother was like, screaming at us and abusing us and calling us names, she was just really out there, because to her illness just causes to happen.
03:11
So then, like, at the time I weighed like, I was like 400 pounds, because I got what I eat in order to feel good about myself, because I was just very stressed out all the time. so, I had low self-esteem, my mother would say the worst things, she would call me stupid, fat, and ugly. And it was just such a big drag. So then, I just, I just started eating in order to feel good. So, I was like, the fat kid in school, you know, I had no friends, it was just a rough time growing up. So, I just know how it is to be treated like dirt because I experienced it firsthand. so, my heart goes out to anybody that’s watching this and they’re currently being abused or currently living paycheck to paycheck because it is at fine. I’ve been there. I know how exactly how it feels, I used to feel worthless, you feel like you just can’t get by, it’s just awful.
03:58
There are even times where I thought about killing myself. It was just the worst time. I remember I was in fifth grade I gotten teased, like to death. So, I decided to, I was going to take some pills, that found in the bathroom, my mother had all these pills. So, I was going to take the pills, but then for some reason I decided not to like I saw this light, when I saw it, I thought in my heart that maybe I shouldn’t do this, I knew there had to be a better way out of this hellhole. I don’t know if it was from God or what, but I decided to not take the pills.
04:27
So that’s like the first memory I had of trying to kill myself in this has happened also I experienced it later. I just kept feeling really bad and depressed and I was going to end my life, but I eventually overcame that. And that’s why I’m here today as a testament, that you can overcome awful tragedies in your life like I had been the lowest of the low, by overcame. Now, I earn six figures as a blogger and influencer. So, if I can do it like anybody can do it, you just have to just get out of your limited beliefs, I was thinking that I was dirt that I could not do anything in this world, like I was just totally worthless. And I just felt so low and depressed but eventually I got snapped out of it.
05:13
When I started, I started going to have more positive mindset, like it’s all in your mind about how this is happening to you, you’re just limiting yourself. So anyway, I eventually lost my weight by having a Gastric Sleeve done, like I worked for this healthcare company, and I was able to get enough money to get this surgery and plus, they paid for a lot of it. So, I got the surgery done. And I got down to 200. So, then I felt more confident I was able to find a husband. I just felt like I had more confidence because I was afraid to date, you know, so I eventually found a husband. He was really nice, and he accepted me for who I was, like he said that he would even like me, if I was still like 500 pounds or 400 pounds. It was just horrible. He said he would still love me even then it kind of brings it tiered because I just Can’t believe I found someone so accepting of me. Because I just felt so low and depressed.
06:08
And I thought I was worthless because when I first got a school, I actually lowered my weight when somebody like interviewed me, I would do it for like, $20,000 and I was really lowering myself. Instead of asking for higher, I would ask for lower, much lower even they offered me money, I would ask for a lower, it was that bad. Like I had the worst self-esteemed, my mother abusing me emotionally and physically. It wasn’t her fault, because she had a mental illness, again, you know, so I don’t blame her at all. She has since passed away from cancer. And this has been like 15 years. So, I’ve made peace with it. It wasn’t her fault that she was treating me so bad. So, it was just a very rough time in my life.
06:50
Then, when I got married, I was in so much debt, because I had car debt and school loan, medical bills, had a medical trouble from the Gastric Sleeve done, I end up getting up some complications, a lots of medical debt as well. My husband also owed lots of debt. He had school loan debt, and his car payment too. So together we owed over $150,000 in debt and this was just so awful. We were living paycheck to paycheck, we were barely making ends meet. It was just the roughest time of my life. We were eating like beans and rice for lunch and I’m not kidding, we have ramen soup, like the freeze-dried ramen and you just put hot water in it. That’s all we had to eat. some nights we couldn’t even afford lunch. we’re just living paycheck to paycheck because the interest rates on these bills we owe were just astronomical.
07:41
So, my money story was- I was just so depressed at this time. I just couldn’t get by thought money was super hard to come by. So, there was just no way I could afford anything. And I kept telling myself I just can’t afford it, I’m just so poor, I just can’t. So, I kept telling myself I’m so poor, I’m so poor, I’m so poor. And that was just rained a negative tape in my head. So, in turns, I was keeping myself down. If you’re feeling the same way, if you keep telling yourself that you’re so poor you can’t make it, you can’t earn money, it’s so hard to come by, then you just got to stop doing that and maybe do a new tape a new tape would be; money is not hard to come by I can make money I just got to put the right value into the world and the right energy because money is energy to send out the right energy in the right vibrations and money comes to you. That’s what I’ve learned since like, now money is coming to me every single day.
08:31
I send out emails, I got an email list. I send out emails of promotions and also provide value to my audience and in return, I get money. So, it comes back and forth because instead of it just take it and keep it all inside, I’m telling myself I’m so poor, I’m so poor, I can’t do this. I just can’t make ends meet and money’s just not going to come to me, then it won’t come to you, it won’t come to me. So, but if I keep putting the right vibrations and I keep sending out value, creating value in the world money is going to come to me, which has. It’s was always just extremely, like in the lowest feeling I just felt so horrible. And again, I was thinking about killing myself but then I found out that I was pregnant with a baby boy, and I was like, instead of being happy about I was depressed I was like “how am I going to take care of this little baby, this is impossible. We’re barely making ends meet how are we going to afford this baby?” so I said “I can’t kill myself. I got it. I have a baby now and a husband I just can’t do this even though I’m in this awful situation I just got to do something about this”.
09:35
So as baby turned me around, you know, I started thinking about ways I could make money outside my job. I was working 60-hour weeks, and I was coming to work with a gigantic Prego belly. And my feet were so puffed up I was wearing flip flops and they were so stretched out. Like I said, the flip off center like so stretched out the foam, I can’t believe how stretched out my feet were, I think made these flip flops they were full of fluid, you know my feet work. Because as the pregnancy and I would drive to work in my tummy was touching the steering wheel. Like it was so bad. Like, if I got rear ended, I would have lost the baby for sure. Like I had to drive to work every single day and I was working 60 hours and I was just so stressed, and I wasn’t getting paid enough and my boss was the biggest asshole he used to treat me like shit, and he was just the worst ever.
10:23
So, I decided, one day I was assigned to quit my job. We were living paycheck to paycheck, I just couldn’t sustain us anymore. So, I decided to quit and then I decided to find other ways to make money online. because I was really good at web development, I was actually a web developer for over like, 15 years at the time. Now it’s been 20 years since and so I was very good at web development, I still am. So, I started finding web developing clients on Upwork. And also on LinkedIn, I would ask people if they needed like any websites, but it was like really hard to find clients. I still- just started making nothing. So, I had to find other job, there’s just no way I was going to be able to support myself. And at the time, I started mombeach.com, which is the blog for moms I mentioned previously and so I wasn’t making hardly any money on that either. Like, I was only making like $1.50 a month, promoting this affiliate called Survey junkie.
11:21
And then my family was laughing at me, they said, “there’s no way you’re going to make any money from this blog, you are just wasting your time, you should find another job, you just can’t make any money for a blog, it’s like, you probably could make money for a blog like 10 years ago, but now you just can’t make money for a blog, there’s just no way. Like, you’re just wasting your time, you got to get in a job to support your family, you just can’t keep trying to do this freelancing and blogging because it’s not going to work” so I listened to them. And I decided to get another job, and I got a contracting position. In contracting jobs, you get no benefits, you get no time off, but the pay is a lot higher. So, I found a job making $40 an hour, which was extremely good, like law barely was making [sysco 12:00], I was making like $15 an hour doing 60-hour weeks full time, because they didn’t pay me overtime but the amount of hours, I was spending working was probably $15 an hour. So, $40 an hour is incredible.
12:11
So, I jumped at the chance, and I got the job. So, my money story got a lot more positive, I started thinking, “yeah I am worth this, I’m worth $40 an hour now”. So, I started feeling a lot better. And then I was still looking at alternative ways to make money online. Like I looked into drop shipping, and I started a drop shipping store. And I started earning lots of money doing drop shipping on the weekends. And eventually I decided to quit my job again and just pursue drop shipping full time, and I was able to pay off all my debt on for the Drop Shipping. And then when COVID hit the Drop Shipping, like just totally fell through the cracks because it was drop shipping to China. So, again, I had to find another way to make money. So, I ended up working even harder on my blog, and I grew my blog, so where it could support my family now.
13:01
So now I work full time on my blog, and also have a store too like a printable store and also sell like digital products, such as spreadsheets, and eBooks and courses. So that’s how I’m able to make money now. But I was always looking for alternative ways to make money outside of my job. Because a job you’re only getting paid a fixed amount, I was on a fixed income because there’s just no way I was going to make any more and I was getting like a 3% Raise but that’s like really low. but if you actually have money outside of your job, you don’t do side hustling you can like make a lot more so then I was able to pay off all my debt through side hustling with my blogging, my Shopify store, which was drop shipping and also my printable store, I also sold printables.
13:44
So eventually, I was able to get out of debt. Now I’m debt free. It’s just a little bit about my mortgage but other than that I totally debt free, I have no credit card debt or medical, I own both my cars and we almost own this house totally soot free. So, it’s just incredible, the power of side hustling because if you’re living paycheck to paycheck, I recommend you getting a side hustle going like maybe a blog or a store, I’m doing drop shipping because now drop shipping has really cut like doing a lot better. Because China’s opening back up and you’re able to drop ship even in the US you can also do drop shipping from US companies. So, like drop shipping is a lot better now. You can also sell printables like on Etsy because printables are like this PDF, it’s like a planer or a journal. And it’s as journal people can fill out and print on their computers and then you’re able to download them from anywhere. They don’t have to pay for them. Like I mean they don’t have to they’re not paid and then they get like a product shipped to them. These are totally instant downloadable products and you can give them for free as like an opt in form for your email but you can also sell them for money and I make a lot of money selling my printables I probably make like $7000 a month now selling printables Some months I get like $5000, that on average, I get like, seven $7000 a month, like selling my printables in my store www.shop.mombeach.com If you want to look at it, and I’ve been doing this shop, like since April of like 2016, I believe. So, like I’ve been doing it quite a lot, quite a bit. And it’s in a Shopify store.
15:20
So now my money story is like so positive, I have all these streams of income of passive income flowing in, like I got my blog, my store, I got another printable store that sells commercial printable, so people can actually buy them and then resell them on Etsy as their own too. And that stores called www.plrbeach.com/. So, I got all these streams of income and also do affiliate marketing and also run ads. So, I got all this money coming in all the time.
15:46
I also get money from companies that want to do sponsored posts on my blog and sponsored Instagram stories. So, it’s just amazing how far I’ve come for living paycheck to paycheck and scrounging for all this money, and just not making anything and it’s feeling like crap, but now I just feel so much better. Like, I feel like I could do anything, I have no more limiting beliefs, I just feel like I could do anything, I want the same for you. Like, if you’re living paycheck to paycheck just try to find an alternative source of extra money to get out of this, and try to do like a side hustle, like grow a side hustle on the side of your job, like I did because I was always working 60-hour weeks, I had a small baby. Like, if I can do it, anybody can and on top of that, I have also bipolar disorder, so I struggle with my mental health because my mother treated me so horrible. I eventually developed bipolar disorder because I got so depressed, because if you don’t treat your depression, it can grow into something worse, like bipolar or schizophrenia, but I just had bipolar and very severe anxiety.
16:45
So, you just have to keep it on, don’t give up. If you start a side hustle, and it doesn’t work out, think of something else you can do. There’s just so many ways to make extra money online. You don’t have to live paycheck to paycheck and scrounge for money and just limit yourself, there’s just all these ways to make extra money that I’ve done, like affiliate marketing and like blogging income, running or getting a blog start, it’s so easy, and fast to get your blog started it just cost like, under $4 a month, if you sign up with Bluehost like my affiliate link is www.mombeach.com/bluehost if you’re interested in checking that out, and you can just make so much extra money by blogging because you can get ads, you could do affiliate marketing, which is you get a percent of income for each link, someone clicks on and pays through your link, you get money. And you also can do, like products, courses, eBooks and printables. And I’ve been sell spreadsheets too that, financial spreadsheets that people can buy and use for them to manage their finances, there’s just so many ways to make extra money. Like you don’t have to settle for less, you can get yourself out there and actually, you know, trying to make extra money on the side. It’s just it’s not impossible, if I can do it, anybody can and like I said, I even have mental problems. I had a small baby, my baby is now like six years old. I was raising a small child, when I was working 60-hour weeks, like any anybody can do this. I’m serious, you know. So, if you’re in the same situation that I was, while you’re working so much, you’re not making enough, and you could barely make ends meet and you’re really high in debt. please just give yourself a big hug for me, let’s just hug each other about this.
18:23
Let’s just get out of this because there is a way there is hope. Like if I can do it, anybody can I’m not just saying that, like, I’m serious. Like, I would not be here today, if it wasn’t for my baby, because he really pushed me to get out of my rut. Like I was just so stuck in the mud. I was stuck. Like, there was no way I was going to get out of this but my baby he gave me hope. He gave me hope that I could do it. I could get out of it. No, I just can’t believe how much better my life is, I barely have any debt. I just have my mortgage and I live in a really nice home, and I have a very nice husband and who doesn’t beat me like my mother did and I’m just so happy.
19:10
My life is just so much better and I’m a lot healthier and things are going really great. It’s all because I decided to pursue a side hustle, aside my job, when I started thinking I could do anything, instead of having these limiting beliefs. I used to think I was too fat, too ugly, too stupid to do anything. But now I think I can do anything and I’m sure you can do the same. You just got to focus you don’t get yourself out of it. it’s all in your mind. You’re keeping yourself down. And if you get yourself out of the mud, you can really make something of yourself you just got to get out of this awful, stinking thinking I call it.
19:52
You just got to start thinking positive thoughts like maybe look at yourself in the mirror every day and say I’m beautiful. I’m smart. I can do this. I can do anything. Eventually, you’ll start thinking that like, you’ll overwrite the bad negative tape in your head. Because I just had this awful tape in my head that said, I was too ugly, too stupid, or too fat to do anything on the worst self-esteem, I’ll look down and shuffle. I wouldn’t look anybody in the eye, I was too scared to look anybody in the eye, I thought I just couldn’t do it. I just wasn’t good enough, I was worthless but now I look people in the eye, held my head high, I’m actually six feet tall. when I stand up straight and I’m saying this you could do this, you could do anything, I’m serious. I’m totally seriously that you can do anything you set your mind to, it’s just all in your mind and I recommend some books when we get them out here.
20:46
These are some books I really recommend you check out there’s one this is, “Dollars Flow To Me Easily” by Richard Dotts. And this is a really good book, it just teaches you that money actually does come from the universe, it’s energy. And if you provide value and put it out there, you’ll eventually get value back and instead of just keeping it all inside and living in debt, piling up the interest but just money just really comes you. It’s is a free resource that does come to everybody, you just got to put the right vibrations and energy out there.
21:17
This is “The Science of Getting Rich” by Wallace D. Wattles. These are some really good books I recommend. And this is also a very good like workbook, it’s your heart’s desire. Instructions for creating your life you really want like, it’s a really good book, too, I highly recommend you check this out. It’s like really nice book to go through and you can make lots of notes to help you. So again, I just want the best for you. I want you to get out of your debt, and your limiting beliefs and really get yourself out there, because I’m doing this, I am putting myself out here. I was scared to make this video, for so long, I kept putting it off, I said, I’ll put it off when I lose 10 pounds, because the camera adds 10 pounds, and I just don’t care about my double chin. I’m just going to be myself and try to help other people and try and make a difference. Because I’ve been through so much. I think God is telling me that I need to put myself out there and actually make videos and start helping people not just keep it all inside. And so, I’m just not helping anybody that way, maybe I am helping myself, I just keep it on side, I got to tell my story and put myself out there.
22:23
so, I really so suggest you check out those books and get over your limiting beliefs and start listening to like some business podcasts, like some really good ones is one by Jim Fortin. He’s a really good podcast, he tells you how you can overcome limiting beliefs. Like I actually signed up to this program called TCP, Transformational coaching program, that’s what it’s called. But I really recommend you check that out. It’s kind of costly, and it’s not open right now. But you should get on the waiting list because it really helped me overcome my limiting beliefs, because he talks about how to do subconscious reprogramming because I do that a lot. I listen to this, app, and it’s like, it’s called self-hypnosis app, and it’s on you on your phone, and you just download it, and it just helps you so much with like self-hypnosis, it’s called hypnosis downloads. And there’s all these downloads, you could get for self-hypnosis, because if you train your brain, to think more positively, you’ll just have the best success. Like it’s just amazing. Because I just can’t believe how far I’ve come from nothing from living paycheck to paycheck or living in my mom’s house with no electricity or running water and having to breathe in soot from the fireplace because, she was just kept having a big giant firing night like a bonfire inside her house and eventually, our house almost got burned down because she had this big bonfire in our house end up getting foreclosed on and she became homeless that’s how bad situation was. But by then my dad had already gotten because he of us and we got out of the house, so it was a lot better.
24:03
But I just want the best for you. so, I’m trying to share my experiences and hopes that like, look at what you’re doing yourself. You’re like limiting yourself, your thinking like you’re telling yourself negative things. If you just switch that like make a switch and make it into something more positive, or telling yourself positive things, you’ll see results. Anybody can see results with positive thinking because I’m just I’m a perfect testament to that because I don’t think positively about myself. Like I tell myself I’m beautiful and smart and I can do anything I tell myself I’m successful. when you could do the same it’s just very simple to do. Like just one day just decide to change your thinking patterns. You decide to think more positive about yourself and think about how you can get out of the situation you’re in. if you really sit down and spend some time thinking like “yeah, piece of paper” and think of all the ways you can make extra money. Like depending on you upon strengths. if you just put like everything, you’re good at or maybe you’re good at designing what you might want start making printables and if you’re good at creating spreadsheets you might want to do that and like sell them on Etsy there’s just so many different ways to make extra money and if you’re good at like marketing, you might want to start an email list or sales. If you’re good at sales, you might want to start a store, there’s so many different ways you. you just got to make a big list of every week and think of to make extra money.
25:19
You can even sell things in your home that you no longer use and make some extra money. Just anything, just get yourself out of debt and just start earning extra money on the side as a part, like a side hustle because your job isn’t the end on be all you can earn extra money outside your job. so, it’s very, very important to check out other side hustles that could help you and mombeach.com, I have lots of resources on how to help you make extra money online, you should definitely check it out. Check out my site when you can like I have all these different ways to make money and give you lots more ideas. So, you can get out of your financial situation if you’re like living paycheck to paycheck, like this blog will really help out your financial circumstances.
26:01
Oh, I still feel kind of emotional for our earlier you know, sorry about that. Oh, it’s going to take a deep breath. My heart is just racing. I’m just not used to [inaudible 26:11] I’m kind of feeling nervous but I’ll go ahead and just, let this play out you know no more editing thing I just want you to see how I really am and yeah, how my mind works I do talk kind of fast because I’m very visual, you know when I think so my mind you actually raises like faster than the words that come out of my mouth. So, I tend to talk a lot faster, but I’ll definitely try to slow it down.
26:35
Check out my new site www.coachbeckybeach.com/. For coaching information and more. Hope you have a wonderful day.
26:41
Goodbye.
Transcribed by Neeraj_Chand
