online business

How To Overcome Money Blocks // Denise Duffield-Thomas of Lucky Bitch

Lucky Bitch

There are a lot of things that keep us from success - most of them boil down to self limiting beliefs. From the countless conversations I've seen on social media lately to the honest chats with my own coaching clients, it's become clear to me that it's so, so common to undervalue yourself, feel like a fraud and feel undeserving.

That mindset needs to change.

We need to empower ourselves, feel confident in our worth and face that timeless struggle with guilt, money and 'playing nice' once and for all. To help start the conversation, I decided to sit down with a woman who is a huge role model for me and who has taught thousands of women how to overcome their own money blocks - Denise Duffield-Thomas of Lucky Bitch.  

Denise is an online pioneer and global expert on the topic of money - something we rarely talk about but should! I wanted to get her thoughts about not only starting and growing a hugely successful business but how to overcome these debilitating money blocks we all face now and again. Abundance, constant cash flow, earning big money and success are never something to be ashamed of or feel guilty about - it's time to change the conversation so let's start today shall we?

Tell us a little bit about your background and where the idea for Lucky Bitch came from?
I didn't grow up rich but my mother taught me to have a positive attitude and to go after my dreams. After some rocky years in my twenties, things started turning around for me.  It wasn't unusual for my friends to jokingly call me a "lucky bitch" when my business started taking off - and of course, any successful person knows that it's rarely about luck at all. I thought it would be funny and memorable to call my company, Lucky Bitch and show other women how to engineer success for themselves. 

What is the # 1 money block you witness amongst female entrepreneurs?
Without a doubt, it's the belief that you have to work hard to make money. Surprisingly, it doesn't matter if you grew up with money or not. Maybe you saw your really successful parents burning themselves out in their highly paid careers, or your parents working three jobs to put food on the table.

Many women don't feel like it "counts" unless they put blood, sweat and literal tears into their work. So they procrastinate (so they have to pull all-nighters), resist delegating work to others (because they feel guilty) and frequently reinvent the wheel to justify earning money. When you allow it to be easy, that's when you can serve more people in your business, leverage your skills and really allow yourself to profit from your work. I use the mantra "I serve, I deserve" whenever I feel the guilts creeping into my work.

What fellow #girlboss inspires you at the moment?
I just finished reading Shonda Rhime's book, "The Year of Yes" - she is SUCH a boss and the book inspired me to take more risks and create more pleasure in my life. Highly recommended. 

My biggest biz moment/milestone was....
Meeting Oprah last year in a VIP meet and greet was a huge milestone. I was looking for something to celebrate hitting a million dollars in revenue but nothing felt exciting. A new handbag or another physical doodad didn't interest me, so I paid $2500 to meet Oprah in person. Worth every penny and it felt like a symbolic payoff for all my work. 

Behind the scenes of running Lucky Bitch looks like...
It's honestly very chilled. I have a lean team of remote contractors, so it's mostly just me working from home. I try and automate as much as possible but when I hire someone I get them to batch months of content ahead of time. 

Each month I try and delegate more of my work, so I can just do the things that are enjoyable to me, like doing podcast interviews or interacting in my Facebook community.

Why is it important to start tracking your money and tell us a bit about the app?
Many women are way more abundant than they think they are. The act of tracking your money Lucky Bitch style (different to accounting) forces you to pay attention to how much money comes into your life, whether it's finding a penny in the street or a friend buying you coffee. 

It doesn't really matter HOW you track your money, just that you do. I give away my personal tracking spreadsheet, pretty paper trackers and links to my app here.

Your bootcamp is live at the moment, can you tell us a little about?
My goal for the Bootcamp was to create a safe and inspiring space for women to change the way they think and feel about money. Because nothing brings up your money blocks like having your own business, right? 

Everyone in business should prioritize some money mindset work because it affects EVERYTHING in your business - how much you're "allowed" to charge, how to deal with awkward money conversations with clients, even how much profit you make. Without a supportive community or the tools to deal with these inevitable blocks, many women unknowingly sabotage themselves. With over 2700 students through the Bootcamp now, we know how to help women give themselves permission to earn more. 

This year I'm most excited about...
Baby #2 is due in May and I'm excited to go to a new level of ease and flow. After my daughter was born, I doubled my business because I finally learned how to delegate! I'm sure baby #2 will teach me even more lessons! 

Denise Duffield-Thomas is the money mindset mentor for the new wave of online female entrepreneurs. Her best-selling books “Lucky Bitch” and “Get Rich, Lucky Bitch” give a fresh and funny road-map to create an outrageously successful life and business.
Denise helps women release their fear of money, set premium prices for their services and take back control over their finances. Denise is an award winning speaker, author and entrepreneur who helps women transform their Economy-Class money mindset into a First-Class life. Find her at

*In the spirit of full disclosure, I'm a proud affiliate of Denise's Bootcamp, which means that I may get a commission if you decide to purchase from her. I only recommend products that I love myself, so I know you’ll be in good hands. x Jac

20 bite-sized business lessons you need!

By Kate Toholka

The bloggers dream is to make a living from their blog, right? After almost three years of hard slogging, I’m finally at that place of personal and financial freedom. And what a joy it is. Along the way, I’ve realised that I have a wealth of lessons to share with others who aspire to go down a similar, online path. Here are 20 of these lessons for your entertainment:

1. You need to be clear on why you’re doing it in the first place. I’m willing to bet that it’s more than just making money. Be crystal clear on this and have this written somewhere visible – it makes it easier on those days you’d rather curl up in bed.

2. Know who you’re talking to. Wondering why no one is reading your blog or buying from you? The issue stems from not being clear on exactly who you are serving. Every time someone lands on your website, they are thinking ‘what’s in it for me?’ They will click away if you cannot articulately demonstrate that you can serve them.

3. Start with the end in mind. What are your long term goals? Where do you want to be in one year’s time? Start there then work your way backwards. It makes it easier to focus, be more efficient with your time and ensure your goals are being met.

4. Honour your time. Time is the greatest currency, health is the greatest wealth. There’s more to life than being an online business woman. Go on, spend some time living too.

5. Honour everyone’s time. Especially when it comes to emails, newsletters and asking to meet over a cuppa. 

6. Learn to say no. Know your work and life boundaries and make a commitment to stick to these. It’s ok to say no when it doesn’t feel right.

7. Have the courage to say yes. It’s also ok to say yes sometimes, even when you don’t know what the next step would be. If an opportunity is too good to pass up, say yes and figure it out later. 

8. Dress up. It’s easy to don the trackies because you’re safe in your home but try this: dress up in clothes that make you feel like a million dollars. And watch the ripple effect work its magic…

9. Practice makes progress. Not perfect, but progress. I follow the ‘fail fast’ motto – every time I try something new, regardless of how terrifying it can be at times, I know that I will gain a lesson despite the outcome. Let me put my grandma hat on and remind you that you never know if you don’t try, hey?

10. Take ‘implementation’ breaks. I see many, many bloggers spend lots of time in ‘learning’ phase. They join all the e-courses, ask all the questions, engage in all the Facebook groups, but then don’t actually implement anything they have learnt. Learning is important, but using it is what makes it valuable.

11. Strategy matters. Don’t release an ebook for the sake of releasing an ebook. Don’t spend thousands of dollars on an e-course when you haven’t even filled your coaching programs yet. Get your head around sales funnels and build one behind the scenes first. 

12. Focus. Focus. Focus.

13. Chase the money. Seriously, you want to do this full time right? Then it has to support your bank account too. There’s an art in chasing the money and sitting true to your authentic Why. Learn to master this dance. 

14. Share the real you. Don’t hide behind a persona. Be unapologetically you and share that with the world. Business is the art of serving people and we are trailblazers of the real, authentic online movement. Lead the way and lace everything you do online with elements of you. 

15. You are not your business. Yes, your business needs to be a reflection of who you are as a person (branding wise) but it isn’t a mirror-reflection of your entire being. You are a complex person with a beautiful unique history. You have many skills, only of which some you may use in your business. Even fewer that you would use in your marketing. Which brings me to the next point…

16. Niching is important. Too many times have I seen women held up by the notion of ‘but I’m so much more than that!’ Yes you are, but your business will not thrive if you try to be everything to everyone. Go with your key strength and start there. You can always branch out later down the track.

17. Mentors are vital. I can’t possibly fathom how I am here today, earning more than I was at my old job and happier than I have ever been, without the help of my business coach. Probably looking for a part time job and drowning my sorrows in wine I’d imagine.

18. Sometimes, you have to do things you don’t like. I get it, it doesn’t ‘feel’ right. Hate to break it to you but there are some very important, albeit ‘masculine’, things we need to do when we run a business. Hot tip: if you have to do it, make the process fun. I hate accounting and anything to do with numbers so I spoil myself rotten with delicious raw treats and pumping music to make the experience more enjoyable.

19. Growth hurts. I’ve come to embrace any resistance. It means I am expanding and growing. It’s temporary pain that I now welcome because I know that when I get through it, I’ll be better than I was before.

20. Breakdowns are really breakthroughs. Much like growing pains, but intensified to unbearable levels. The result? Bearable, quantum shifts that will below your mind.

Kate Toholka is a success coach for online entrepreneurs, #1 amazon bestselling author and creator of the happiness hub. After becoming disillusioned working in the mental health industry, Kate sought to use her unbridled passions for holistic living and psychology to empower women into their dream business and lives. She is known for her raw honesty and ability to help women to tap into their unlimited potential. Kate believes in the power of community, self-love, inspired action, the natural order and your phenomenal worth. Connect with Kate on her blog, Facebook, Twitter and Instagram.

Photo Credits: Monika Berry