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How will you spend your tax refund?

how will you spend your tax refund

It’s that time of year. Taxes are filed and you’re waiting for your refund. What plans do you have for your refund this year?

Often we have plans to pay bills, maybe do a little something special for the family. I’d love to make a suggestion of something else you can do. How about starting your own business?!

With as little as a $99 investment, you could be on your way to creating more time, money, and freedom in your life. I’m currently growing a team with Magnabilities, and would love to invite you to be a part of it.

Having a business can create so much for you and for your family. The personal growth and development is an added plus for any of us who chose to do a business. Then there are those who want more time, time to do the things you really love, extra time to spend with family. How about the freedom this can create? Freedom to get to those special events with your children, freedom to get away with family and friends and the freedom of creating your own work schedule. These are all things I love about being in business for myself.

Magnabilities Join Gift March

Not to mention free things! This gorgeous set is free in March for anyone who joins! It is in addition to the over $350 in products that you receive, all for that $99 investment.

Why not start today and be on your way to creating the life you love and desire? There’s no better time and no better use of that refund!

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5 Books for Personal Development

Kathy Nicholls Book Nook

This past month at my local networking meeting, I shared a couple of books I have been reading that I found to be really great. I’m an avid reader, first because I love to read and second because I believe we need to always be developing ourselves and our minds. One of my friends reached out and said “You should just make a list,” and so I have. This is part 1, some of the books I love for personal development. This list is much bigger, so today I’m only sharing 5 of my favorites or the most recent books I have read. I hope you find something of value! Note: The links here are my link to Amazon, which means if you decide to purchase something through that link, I do get a few pennies for it. I’m just starting my affiliate account with them, so it actually helps me build that part of my business. So, if you decide to purchase, thank you!

The Traveler’s Gift: Seven Decisions That Determine Personal Success

I have always loved Andy Andrews. I follow his blog, love his writing, and really love his sense of humor. I also love how he winds history into his books. This book is perhaps my all time favorite book in personal development. It’s full of golden nuggets of wisdom. I usually have a few copies of this one because it’s one I love to pass along to others. If you haven’t read it, put it at the top of your list!

Year of Yes by Shondra Rhimes

This is a book I’m doing in an online book club for the month of January. First, I’m a lover of shows like Gray’s Anatomy and Scandal, so I thought gee, it might be fun to read something by the creator of my favorite shows. Little did I realize how the book would impact me! Year of Yes is all about saying yes to things that scare you. It was created because Shondra’s sister said the words “you never say yes to anything.” Think on that. Sometimes we’re accused of not being able to say no. But how many things do you NOT say yes to because it’s too scary? This is an eye opener and one I think everyone should read. How would your life be different if you had a year of yes?!

Living with Intent: My Somewhat Messy Journey to Purpose, Peace and Joy by Mallika Chopra

This one is all about finding purpose in your life. She gives an action plan for figuring out the intent or purpose for your life. I love this book! So many “self help” books are written from a viewpoint of “I have it all together and let me show you how you, too, can be like me.” This one shows the bare honestly and humanity of the author. I love that she shares her personal struggles with things. There have certainly been times in my own life where I have been that speaker on a stage and have been wondering to myself how I could possibly be teaching a topic when I knew I didn’t have things together myself. I love how she shares her vulnerability. I love how she shares a simple roadmap to move from thought, to action, to outcome. I love, simply, that she gets it. I believe this is a great book for anyone who’s in that place in life where you’re seeking to find your own intent. I believe this is a book I will pull out often and go through again and again as I define the intent for my life. I am so glad I found it.

The Slight Edge: Turning Simple Disciplines into Massive Success and Happiness by Jeff Olson and John David Mann.

This book is full of some awesome concepts. “Simple disciplines repeated over time will create success; simple mistakes repeated over time will create failure” This one is a great read if you’re looking for things you need to add into your life and be disciplined about.It reminds us that nothing is built overnight, no habit is developed overnight, and that we must take small, simple steps to get where we want to go.

The War of Art by Stephen Pressfield

This is another of my long time favorites. The War of Art describes how we must conquer the resistance. What’s the resistance? It’s that thing that says you can’t do something, you won’t be successful, you can’t be different. Pressfield gives it a name, the resistance. Only by conquering the resistance can be truly go out and create the art we are meant to create in life. What’s holding you back? Grab this one and learn how the resistance is impacting you and what you can do about it!

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My Three Words for 2017

It’s that time of year again. Tomorrow starts a brand new year, and it’s often the time when we look back on the year and decide what resolutions we will make for the new year. Several years ago, I came upon the idea of simply selecting three words for the year. It works much better for me than resolutions. The idea is pretty simple. You select three words that will define your next year. They then become the north star, guiding what you do and the decisions you make along the way. I have loved doing this and find it really does help me be focused. So, here you go: My three words for 2017!



This has been one of my words consistently for several years. The idea of being inspired and inspiring others has always spoken to my soul. I want to be inspired by the things around me. I want to be inspired to always been growing and improving. I want to be inspired to write more, to create more, and to share more. I want to inspire others to see in themselves what they can’t and inspire them to find the success and happiness they deserve in life.


Live with intention

Intention. In 2017, I will do all things with intention. Sometimes it’s easy to forget there’s a reason for the things we do, the things we say, the way we act. I want to always have purpose and intention in life. For me, that will include what I fondly call BHAGs (Big Hairy Audacious Goals), focus, and action. Living with intention also means being intentional about who I spend my time with. It’s said we are the product of the five people we spend the most of our time with. Sometimes that means you need to really evaluate where you’re investing your time. It means I will be very intentional with my business, always being sure that the things I do are focused on the end goals. It also means I’ll be intentional with relationships. Sometimes it’s so easy to just speak without a pause button, I know I’m guilty of that from time to time. Intention will require me to slow down, think, and then speak.


Year of Yes
This year will be my “year of yes.” In January, I am participating in a book club with the book Year of Yes by Shonda Rhimes. I’ve read it and cannot wait until our discussion starts tomorrow. It is an amazing book, filled with lots of insight if you really read and apply it to your life. It’s about saying yes to things that petrify you. We live in a world where we are always being told we just learn to say no. And while there are some times in life when it’s good to say no, what if we started saying yes to some things? How about saying yes to health, yes to personal development, yes to creating new opportunities, so many things. I cannot wait to see where this one takes me!

So there you have it! My three words. How about you? Have you picked a word, or words? If so, I’d love to hear what you have chosen in the comments! I look forward to this new year and all it will bring!

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Attitude of Gratitude, Day 2

Attitude of GratitudeYes, I know this one is late! It’s just been one of those days. So today’s post will be short and sweet.

Today I am thankful for a group of folks in my company who gave me an opportunity to do a meeting with them today. You see, I’m passionate about education. I love sharing knowledge with others. And I was invited to come to their team meeting and do a little training.

As you know from yesterday’s post, I’ve kind of been in a funk. Today, I got on that call and wow, I walked away blown away. They were so incredibly kind. I’ve heard that word “edification” used a lot at our company. Today I saw it in action. And by the time they were done introducing me, I had tears running down my face. Okay, deep breath, and get rolling! And we had a great time of sharing! And gosh, I know they listened because today has been full of questions and messages asking for help or clarification. Today was a day when I was totally in my element, ALL because this team leader asked me to be a part of their meeting.

So, to those folks with team Go Big, Go Beyond, my thanks! You totally made my day today and I am very grateful!

What’s on your list today?

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Attitude of Gratitude, Day 1

Attitude of Gratitude

It’s that time of year again! Hard to believe it is already November, and yet here we are. If you’ve been following my blogs for awhile, you know that I always do 30 days of gratitude during November. I keep a gratitude journal all year, however, find that November people just get a little more focused on what they are grateful for in their lives. So, today is day 1! I hope you will join me in this journey!

Gratitude really is an attitude, isn’t it? Sometimes life throws us curve balls. Our family has had several of those in the last month. And, during those tough times, sometimes it’s hard to remember that you’re supposed to focus on gratitude. It’s much easier to wallow in pity and self-doubt. And yet, what does that really serve? I can tell you, from personal experience, not much!

Today I’m thankful that even in the hard times, there are still things to be thankful about! I’ll give you a few examples based on the last few weeks in our house.

  • Our beloved dog, Turbo, died last month. He was our baby and what an incredibly sad thing with so much pain to lose him. I sure wasn’t ready and I still miss him every day. I’m thankful he was my forever dog for so long. I’m thankful for an awesome vet who dealt with him and us with such compassion. And I’m thankful that he didn’t have to suffer a lot before he died.
  • Not too long ago, I tried to do some repair to a somewhat broken relationship. It’s been one that’s been on again/off again and I had hoped to change that. The conversation didn’t go well. And so, I walked away. Another very painful situation. What could there possibly be to be grateful for in that?! Well, I’m grateful that the drama of the past isn’t a daily or weekly part of my life anymore. Even when I miss the relationship, I am reminded that it was very often filled with drama and emotion. Not every relationship in our lives is meant to be a forever relationship. As the saying goes, some people come into your life for a time and some for a reason. And it’s all good.
  • Okay, last one! Last month, my husband returned to his old job after leaving for a few weeks. He found that even though they had begged him to return, they brought him back with a 30% cut in pay and gave him only 12 hours a week for three weeks in a row. Yes, that created some major stress for our family! Not to mention, they just signed him up for family insurance without telling him, which took the entire check! Yep, a month of no income and working for insurance that we don’t use! So, let’s see what’s to be thankful for. My awesome husband, who got up one morning and said he wasn’t going to take that, got in the car, applied for a new job, studied all day long for a certification test and went out the next day and passed it. Then while he was studying, he was offered another position, one that he’s now doing and loving. I love seeing how happy he is, even when he comes home exhausted at the end of the day. I am grateful that he has such initiative.

    God Always Has a Plan
    And in this one, I’m grateful that my life verse always applied, even when I can’t see it. I long ago claimed Jeremiah 29:11 as my life verse. It’s my favorite verse and gives me hope and focus when I need it. This is just one more example of the truth in that verse!

  • So, there you have it! Day 1! I want to challenge you to do a couple of things. First, develop that attitude of gratitude for yourself. It really does matter, even on dark days. Second, stop by here every day and share in the comoment section what you’re grateful for today. I look forward to hearing the things you have an attitude of gratitude about! Until tomorrow….

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    Your Chance to Make a Difference

    Make a Difference

    If you’ve been following my blog, you may recall reading my experience with the community service day in September while at my national conference. It was a combined effort between the Youngevity Be The Change Foundation and My Story Matters. It was a great lesson in how every story matters.

    As a writer, this idea really grabbed my heart. I love storytelling, I love writing, and I love the idea that you can help someone else tell their story. It is originally why I fell in love with the lockets I do. The experience of hearing someone else’s story is like nothing else. I came home from that conference determined to find a way to bring that concept to my own community.

    It’s also no secret to those who know me that I have a heart for our military families. I am so grateful to those who serve. I also have a heart for the spouses and families who are left behind when someone deploys, handling all of the every day things as well as the things that go wrong during that time. It’s been a long time goal of mine to some day be able to do things that really matter for those families.

    While we all have stories, I decided to put some focus on telling the stories of the children of our military. It’s the life I grew up with and one I know pretty well, although a lot has changed since then. When I was young, we didn’t have social media, and when our father deployed, there were no phone calls, only regular letters. The world has changed a lot since then. And yet, I know there’s a story there with some common threads. Because of that, I went about trying to make it happen.

    And it’s a go! I have the project set up now. Through my business, we will be doing a day of service with one of the bases in my area. I reached out to Fort Carson, we had lots of discussion, and will be doing our first project with the Survivor Outreach Services! This group works with those who have lost a family member who was in the military. In discussions, we will be focusing first on children who have lost a parent who was in the military. It will be done in conjunction with My Story Matters. I am beyond excited! Our actual event will take place in April during the Month of the Military Child.

    YOU can help!

    There are lots of moving parts to this, and I’m asking for your help. We never want a child to be asked to pay for their book that is created, so it’s fundraising time! I am asking you to reach into your heart and sponsor a book for one of these kids. There are 65 kids, and each one needs a sponsor. Any amount you can do will help make this happen. We do this using points from our Heritage Makers system. So, here’s how you do that:

    Visit my website
    Find the My Story Matters Points Packages
    Select which point package you’d like to do
    Purchase one and help support this project!

    Each child’s book requires 25 points to create. You can make a difference by becoming a sponsor for this and helping get this project done. I hope you will!

    For those of you who have a business, we also have a need to raise some cash for the project. If you’re interested in helping there,
    please message me
    ! I would love for you to be a part of this as well through your business!

    Let’s show these kids that there are caring people out there! I cannot wait to do this project and thank you for being a part of it and helping out!

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    Every Story Matters

    My Story Matters

    Last week while at the Youngevity convention, I had the opportunity to participate in our first ever community service day. It was amazing, and my heart was incredibly touched. I want to share the experience with you for a couple of reasons. First, I continue to be amazed at how much this company cares and that we are out there making a difference in the community. It also touched me deeply that before we got off the bus to begin our day, our company president started our day with prayer. In a world where everyone seems to be so worried about being “politically correct,” I am blessed to be in a company where faith matters as well. Also, I’m hoping to do more with this organization and just want to share why I think it matters!

    My day was the morning session. This event was done through our Be The Change Foundation with Youngevity and the organization, My Story Matters. My Story Matters works to create books for kids that tell their stories. Some of the groups they work with include refugees, homeless shelters, kids with life threatening illnesses, and parents who have lost children. It’s a way to show those children that no matter what their story is, no matter if it’s been hard or easy, it matters and they are important. The process is awesome and I felt so blessed to have been a part of this event.

    We began by meeting our student volunteer (on the right in the picture). Having an adult work with a young person is pretty awesome; it often helps the kids come out of their shell a bit. My volunteer was absolutely adorable and so much fun to work with. Throughout our morning, we did interviews for two kids for their books. This picture was our second interview.

    Interviews bring out information from the kids about where they are from, what kind of things they like, what their family is like. It also helps them to vocalize that it’s okay to be both happy and sad, and that they are indeed strong. In the end, they are asked to select one word that they would like to use to describe themselves. During this process, pictures are also taken to go with each topic. They take serious pictures, and they take fun pictures, pictures with friends, pictures doing things they love. Then it all goes to a team of writers, who create the “draft” book. Each child gets to approve their own book. It is, after all, THEIR story and they have the final say. Once they have done that, the book is created and presented to them.

    When I signed up for this event, I said I think lives will be changed. As a writer, I get the importance of stories. Being able to articulate your own story and then have it in a book as both a remembrance and something you can share seemed pretty cool to me. What I didn’t realize was just how much it would change lives–not just the kids, but ours as well. After our event, I found myself reflecting on the experience all day long, often with eyes full of tears for the things they kids had shared and for what I had seen. Now, mind you, those were not tears of sadness. Honestly, they were tears of amazement that these kids have gone through what they have and remain so resilient. I want to share two takeaways, one from each of my interviews.

    In my first interview, I asked the young woman “If you could change one thing in the world, what would it be?” Her response was “nothing.” I asked “so, the world is perfect?” She said, “not at all. But if I changed things, then I would never learn the lessons I’ve learned from the hard things in my life.” She is 17 years old! Her family is from Mexico and life has definitely not been easy for her. What insight for so young!

    In the next interview, one of my questions posed was “You’ve had a tough life the last 10 years, what has been your greatest lesson from all of the challenges?” I was not at all prepared for this young man’s response: “I learned to always be humble.” He went on to explain that until age 7, his family was intact and they had everything they could ever want. When he was 7, his father left the family, leaving his mother to raise four children and they “had nothing.” Mind you, while some of what he talked about was “things,” most of it was not. It was simply life’s necessities. He told me “when we had things, we weren’t always kind. You never know where life will take you, so always be humble.” His spirit is amazing. He’s not bitter and he has such insight into the world and his future.

    I found myself thinking what if we learned those lessons early in life? So many times, life happens to us and we become bitter, angry and cry out wondering “why me?!” We forget that with every hardship or challenge comes a lesson, something we are to learn from it. Then we find ourselves in good times, life is going great, and we sometimes forget where we came from. Some develop an attitude of superiority, never thinking that everything can disappear in an instant. Always be humble.

    This event has left a lasting impression on my heart. I hope to bring an event like this to my own community. There are so many stories to tell and I hope to be able to facilitate more of that. And yes, no matter where you are, you can help. These kids are never charged for the books they create. Each book costs $25-30 to make, a very small price to give them something that lasts forever. My Story Matters makes the books through our Heritage Maker program, and you can help sponsor a book for a child. If you’d like to do that, there are two options, one for $15 and one for $25. Sponsor a book today! Every little bit helps to allow more kids to understand that, indeed, their story matters.

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    Let’s Create a Ripple!


    You’ve seen how a ripple works. It’s that thing that happens when you throw a stone into a pond. It starts as just a tiny thing, and then it spreads! So, I want YOU to help me create a ripple!

    I just got back from the Youngevity conference last night. It was such an amazing event, and I have so much to share, so watch for lots of updates this week! Today, I want to talk about that ripple!

    Do You Like to Save Money?

    One of our latest products is actually a service, Cartripple. It’s a great app, available for  both iPhones and Androids, and it’s an amazing shopping app! So, it does two things: Helps you save money AND gives you cash back on all of your purchases! Who doesn’t love that!

    It works like this: You create an account, which is totally free! Then start shopping! As you shop in the stores, and there are hundreds of them, you earn cash back on your purchases! There are also special deals where you save even more by having Cartripple!

    But wait! That’s not all! Ever been in the store, see something you’d like, and wonder if you’re finding the very best price? Let me tell you a story. My grandmother was THE bargain shopper. She would find something on sale, buy it. The next day, she’d be in a different store, find it cheaper, return the original purchase and go back and get the cheaper one. I remember one year she returned the same blow dryer that she had bought for a gift about five times, all because she found a better price! Now, I don’t believe we ever had the heart to point out to her that she was spending way more in gas than she was saving, because she was always so proud that she found a lower price.

    No more of that! Here’s how it works today with Cartripple: You’re in the store, and you find that product. You pull out your phone, scan the bar code, and the app will tell you prices through the stores on Cartripple! Find it cheaper, save money AND get cash back on your purchase! How awesome is that?!

    The Anatomy of the Ripple

    Okay, so why a ripple? Because we ALL shop online, at least most of us do! The ripple? Well, that happens when I refer you, you refer your friends, and so on and so on! Why is the ripple important? Because the more people we have using the app, the better deals we get! Think about that! More people, better prices, better deals! Are you with me?!

    Let’s get this Ripple started!

    Okay, so let’s do this! Here’s how it works! Get your free Cartripple account! Then shop, save money, and get cash back! Share this with your friends too! The holidays are coming soon! Start earning cash back now and use it to help pay for some of that holiday shopping!

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    Who Wants To Join Me in Salt Lake City?

    There’s an excitement in the air. Youngevity’s annual conference is coming up in September, and I am so excited to be attending. Yes, I know it’s a bit away timewise, but stay with me because I have some exciting news for you!

    Studies in this industry have shown that meeting attendees make more money in their business. Why is that? I believe there are several factors involved. Meetings give us education, we learn about current products and ways to share them with others; we learn about new products; we get ideas from others on what’s working in their business. Meetings inspire us. When you attend your company’s conference, you just come away pumped up and ready to really dig in. It’s affirming to be in a place where others do what you do and simply get it. It’s exciting to meet the company executives and get an “in person” look at their heart for the company and the reps. You come away inspired, with new ideas, and ready to rock your business!

    Who Loves Free?!

    July has a very special offer for new team members. If you join in July with one of our CEO kits, you will receive your conference registration for FREE! Who doesn’t love free?! What an amazing way to really kick off your new business with a bang! I can tell you I would have loved to attend my conference in the first few months of joining my company. It would have made a huge difference for me and my business. It can for you too!

    Pick Your Passion

    Now here’s the sweet spot! While Youngevity has a ton of offerings, you can pick your passion! It’s not necessary to promote every single thing we offer, in fact, that would be kind of crazy, especially when you’re starting out! So, what do you love? Maybe you love jewelry! Then pick jewelry! Or perhaps you love what essential oils can do to help people with so many things. Pick oils! How about mineral make up? Our mineral make up is THE best out there, with nothing in it that’s going to harm your skin. It’s amazing. Love make up? Go with that! Maybe you love health products and love the idea of getting healthier yourself and sharing that with others. You can do that! Whatever you are passionate about, you get to decide.

    A Year From Now
    So what are you waiting for? A year from now, you will wish you had decided! Let’s do it today and get you going! I would love to work with you to grow a business and make a difference for you and your family!
    Check out all the benefits and then, join me!

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    If Money Was Not An Issue

    If Money were no object

    Today let’s talk about what you would do if the above was true. If money was not an issue, how would your life be different? What kind of things might you do that you don’t do now? Would your life change?

    If money was not an issue, how would your family life be different?

    Each of us has dreams for our family. It doesn’t matter if you are a family of 2, a single parent with kids, or a family with lots of children. We all have dreams, often created years ago when we were children ourselves. What about how you spend your time? Would that change? We have a specific idea of what we’d like to see in a house, a car, what kind of things we want to be able to provide for our families, etc. Have you reached that? If not, how would it be different if money were not an issue?

    If money was not an issue, what would you do for fun?

    Now, let’s do some even better dreaming. Sometimes life does need to be about having fun and enjoying yourself! If money wasn’t an issue for you, what would you do for fun? For me, I would spend six months of the year in Barbados! It is where my husband is from and we love going back for visits. It always seems the visits are entirely too short. I would spend more time walking on sandy beaches and watching sunsets from the beach. I would read more books. I would do more writing. All of those are things I enjoy and that bring happiness to me. What about you?

    If money was not an issue, how would you help people?

    This is perhaps one of my favorite questions to think about. A big hairy audacious goal (B-HAG) of mine is to some day create a foundation that works with our military spouses to provide support when their spouse is deployed. It’s on my heart and something I will one day be able to do to help others. Another thing I would put on that list is being able to work with rescue shelters for dogs. My fur baby is a rescue animal and was in foster care before he came to live with me. I would love to be able to help others connect with their forever dog and connect those dogs to their forever home. How about you? How would YOU help people if money were not an issue?

    Whose dream are you building?

    There’s a saying that you are either building your own dream or helping someone else build theirs. I don’t know about you, but I much prefer to build my own dream. I spent years in the corporate world building dreams for someone else, and it’s simply my time now.

    I want to invite you to take a look at a short video. It won’t take much of your time and could give you some great ideas on how to get to the point where you are able to do those things above that you thought about as you read this. I would love to hear what you think after you’ve watched it!

    Take Control!

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