Get Your FREE Full-Length Audio of
How to Work When, Where and How You Want"

Quit your job and find work you love with Valerie Young.

Enjoyed by 23,000+ people!

Privacy Policy: We will never sell, rent or trade your email. Period.

Click here to return to the Changing Course home page

live life on purpose work at what you love follow your own road

Next Issue Archives Previous Issue, Find Your Life Mission and Live It

Issue 173

November 14, 2007

About Your Subscription

Prefer the text version? Change Your Subscription

Compass since 1995 dedicated to helping people like you to:

~Live Life on Purpose ~Work at What You Love ~Follow Your Own Road

Inside Today's Issue

Opportunity Knocks

Tools to Help You Go From Creating Debt to Creating Dreams

Featured Resource  

In the Garden

Special Announcement 

Upcoming Workshops and Teleclasses

  • The Ultimate Money-Making Photo Workshop

  • Dream Maker: Founder and Director of Men's Resources International, Dr. Steven Botkin

  • "How to Become Joyfully Jobless" with Barbara Winter

The View From the Other Side

Resources for a Change

This ad-free bimonthly newsletter is brought to you compliments of

Every man is the architect of his own fortune. ~ Sallust

Opportunity Knocks Creative Ways to Make a Living Without A Job

Tools to Help You Go From Creating Debt to Creating Dreams

Valerie and her wonder dog, "Cokie Roberts"

By Valerie Young

The traditional kick-off to the holiday shopping season in the U.S. is Thanksgiving. This year ads started popping up before Halloween. It’s been said that holiday debt is the gift that keeps on taking. According to a survey done last year by Consumer Reports, the average bill for holiday shoppers using credit cards to buy gifts will be $626. The average American household carries $9,000 in credit card debt throughout the year and then holiday debt gets piled on top of that.

A big question for anyone looking to ditch their job and join the ranks of the self-employed is, “How can I afford to change course?” And if you’re drowning in debt, the thought of being able to strike out on your own feels all the more impossible. There are all kinds of books and other programs out there to help you get out of debt and/or create prosperity. Over the last year and a half or so I’ve had the opportunity to cross paths with a number of authorities in the field. Each offers a different take on the money theme… finding it, keeping it, and managing it.

If you need to get your financial house in order before you can change course, here are a few people and resources I believe are worth checking out.

First Things First

I first told you about Joan back in 2006. What makes Joan’s story so compelling is that she spent most of her adult life in a pattern of under earning and compulsive debting. After her two brothers tired of bailing her out, Joan discovered the 12-step program Debtors Anonymous ( It worked she says, for a while.

After building a successful business she once again ended up in serious debt forcing her to close her business and declare bankruptcy. Eight years later, at age fifty-six, Joan relocated to Santa Fe, New Mexico with a mere $200 in her pocket. Losing her business propelled Joan to learn more about her financial dysfunction by digging deeper to untangle the deep emotions and family issues associated with money.

Today Joan uses what she’s learned to help others who are similarly stuck in unproductive money patterns. Her money self-help manual, Building Your Financial Muscles, contains exercises and resources for people who are searching for a way to relieve financial pressures and change the way they deal with money. Joan also offers a number of different audio programs with titles like, “Let Go of the Aloneness” and “Discovering Your Core Financial Issues.” More recently she’s expanded into tools specifically for entrepreneurs with a CD/workbook set called, “Marketing Your Micro-Business.”

Another new addition is a facilitator kit for people who want to run support groups for others struggling to become financially healthy. Right now the facilitator kit costs $89. If you get ten participants and each pays up to $20 per meeting then you can earn $200 per meeting. To learn about Joan and her unique approach to financial health go

Living Debt Free

Whether you are drowning in debt, or just love the idea of living debt free, you should get to know the work of a fellow named Leo Quinn. I had the pleasure of meeting Leo last June at a workshop I attended in Denver. I discovered over breakfast one day that not only was he one of the event speakers, but with 27,000 loyal subscribers, he’s also a well-respected expert in the debt-elimination field. In fact, Leo had been doing this work long before the Internet boomed.

His most popular program is called “How to Own Your Paycheck Again.” Just to be clear, if you are not able to pay your bills or are teetering on bankruptcy, this is not the program for you. Leo specializes in working with people who want to get rid of their debt so they can live on less, retire early, or just generally spend less time working and more time doing the things they want to do. Personally what I like about it is that you can take the money you would have used to pay your credit cards or mortgage and apply that to your new business.

Normally “How to Own Your Paycheck Again” costs $97. But when I called Leo for this article he offered to extend a special $50 discount for Changing Course readers when you order before November 21st. With an iron-clad money-back guarantee you have nothing to lose but your debt. Learn more at

Goodbye Boss, Hello Kids

“In the middle of difficulty,” observed Albert Einstein, “lies opportunity.” Some of the best opportunities often originate from problems – either yours or someone else’s. One of the all too common problems that savvy savings expert Darlene Arechederra saw was that of two-income families in which one of the parents (usually the mom) wants to stay home with the kids but can’t afford to. Knowing that nothing is impossible if you know what you’re doing, Dar developed a self-help program called Goodbye Boss, Hello Kids.

For the same reason my site is called Changing Course and not Jump off a Bridge, Dar talks about the need to create a transition strategy, or a “bridge” as she calls it, from where you are to where you want to be – which in this case is home with the kids. A few of the lessons working parents receive in this 10-minute a day course include Finding Money to Grow Your Coming Home Account, Eliminating One of the Biggest Expenses for Working Women, Strategies To Help You Come Home Sooner, and How Bosses and Co-Workers Can Speed Up Your Journey Home. Learn more

Creating Money for Your Small Business

What if you don’t have kids or just want to escape your job-job to work at what you love? Well, in addition to helping her clients to “unearth potential home business ideas that make their heart sing,” Dar also helps future home business owners create the money they'll need for their cottage industry or home business. (Fast Track members be sure to log into the Money Matters section to find Dar’s “5 Must-Know Secrets to Creating Money for Your Dream" in the current Money Matters e-Tip. It’s a must read for anyone who needs to find the money to jumpstart that great business idea.)  

I came to know Dar when she enrolled in my 2006 Outside the Job Box Career Consulting Certification Program. Initially I was fascinated by her expertise in helping women specifically and people in general become financially savvy enough to jumpstart a small business. But what really intrigued me is that Dar is an introvert training for a career in a field you would think would better suit someone who is more outgoing. But like a true entrepreneur, Dar has turned what some might consider a challenge into an asset by specializing in working with other introverts! She even has a free blog Now how smart is that?!

Journey to Abundance

Finally there is Fast Track Your Dreams member Kamin Bell. Kamin started her professional career as the U.S. Navy's first female African-American helicopter pilot. She then went on to become a Mary Kay Sales Director and consultant. From here Kamin transitioned to having several small business ventures, the most recent of which is to publish her first book, Journey to Abundance.

Kamin sent me a review copy in September and I was genuinely impressed. Using the true story of her own financial ruin, fear, and crisis of faith, Kamin takes you along with her as she discovers the abundance and prosperity God wants for us all. Whether you are Christian by faith, or simply feel guided by a Higher Power as I do, you can not help but feel enriched, encouraged, and informed by Kamin's story and by the thought-provoking exercises she has designed to set you firmly on your ownjourney to abundance.” As part of the book’s pre-release Kamin is giving away a free

There are many paths to financial well-being and prosperity. As we move into this period of holiday spending take some time to be mindful of the role that money plays in your life. If excessive giving will put you farther into debt perhaps this is the time to realistically assess your finances, your dreams, and how your relationship with money may be serving or undermining your goals of changing the course of your life.

About the Author

"Turning Interests Into Income" expert, Valerie Young, abandoned her corporate cubicle to become the Dreamer in Residence at offering resources to help you discover your life mission and live it. Her career change tips have been cited in Kiplinger's, The Wall Street Journal, USA Today Weekend, Woman's Day, and elsewhere and on-line at MSN, CareerBuilder, and An expert on the Impostor Syndrome, Valerie has spoken on the topic of How to Feel as Bright and Capable as Everyone Seems to Think You Are to such diverse organizations as Daimler Chrysler, Bristol-Meyers Squibb, Harvard, and American Women in Radio and Television.

To read more articles about how to work at what you love without a job go to  

Reach high, for stars lie hidden in your soul. Dream deep, for every dream precedes the goal. ~ Ralph Vaull Starr

Featured Resource

Lead Your Own Tours for Fun and Profit

Have you ever taken a trip and had friends and family clamor for advice on how to go to that place, too? Or maybe you sat in a piazza in Rome and thought, “I could lead other people here.” Perhaps you have a passion – wine tasting – and you’d like to share it with others. Then why not turn your travel savvy into money in the bank by designing and leading travel tours? Go for it! Leading Tours for Fun and Profit

In her new 90-page e-Guide, Go For It! Leading Tours for Fun and Profit, Cynthia Morris walks you through all the steps necessary to design, market, and lead tours either in your neck of the woods or abroad. Cynthia has been leading successful tours to France for years. After receiving a review copy of this comprehensive how-to guide, I can tell you with confidence that Cynthia’s first-hand experience combined with a ton of research is guaranteed to save you tons of time and money.

Order by November 15th before the price goes up. Pick your copy up now and spend the winter planning a great trip for yourself and others! (Oh and if Cynthia’s name sounds familiar she’s one of the guest speakers on theMaking Dreams Happen CD set with Barbara Sher, Barbara Winter, and me).


Persistent people begin their success where others end in failure. ~ Edward Eggleston


The Changing Course Newsletter Copyright 2007   Lisa Tarrant, Editor Valerie Young, Publisher [email protected] 7 Ripley Road Montague, MA 01351


All About Your Subscription

You're welcome to forward this newsletter in its entirety to other dreamers.

If someone sent this to you, don't depend on your friend for this great information. Get your complimentary subscription at

Please do not reply to this message.

Subscribe or Change Your Address:

Previous Issues:

Most of the important things in the world have been accomplished by people who have kept on trying when there seemed to be no help at all. ~ Dale Carnegie

In the Garden

Here’s a little career change pop quiz for you:

What kind of business would you imagine someone with a Master’s degree in creative writing and 20 years of experience in the field might like to start?

Answer: Becoming a bead artist of course!

The Garden is an occasional column from and about real people just like you who have planted seeds and are watching them grow. Shortly after I interviewed bead artist Valerie Hector (, I received this email from Tina Koyama from the state of Washington. After you read Tina’s inspiring letter you’ll understand why her motto is “Bead fearlessly.”

Hi Valerie,

I just discovered your Web site when a friend forwarded the info about the interview with bead artist Valerie Hector (because I’m a bead artist, too). I heard her speak at a bead society meeting I attended a while back, and her work is amazing.

But what I found truly inspiring was your story. I have a similar story myself.

After 20 years in the corporate communications field, I had become increasingly frustrated and bored with the lack of opportunity for creativity at work. But whenever I started contemplating alternatives, I always managed to talk myself back into the comfortable security of a regular paycheck and doing the only kind work I have ever done.

One late night in December 2002, my frustration level had come to a head, and I was working in what is usually a written journal. Instead of reaching for my usual favorite writing pen, I took out a pack of colored gel pens instead, and out of nowhere (that I know of) came a vivid, angry, extremely colorful drawing of a tiny black box with flame-like colors inside and surrounded by bright, jagged lightning bolts. Around the border of the drawing I wrote the following: “Tina trapped in the corporate box, full of fire & light, yet all the energy is outside the box. Trapped, trapped by the four walls of fear & complacency & more fear.” Tina Koyama

I was stunned by this journal entry, which was so visual compared to my usual journal writings, and I realized immediately that it was a direct message from my soul: The only obstacle keeping me from my dreams was fear.

That night I decided that I could no longer ignore this strong, clear message. A month later, I left my job and my 20-year communications career. It was the scariest thing I had ever done, and yet somehow it seemed like the most “right” thing I had ever done.

I took eight months off to become a “normal” human being again by trying every type of creative expression I had ever wanted to do but never had time for. I settled on beadwork as my medium of choice, and within a year a dozen beadwork designs had been accepted for publication, I began teaching at a local bead shop, and I was selling my work. Now, five years later, I sell my work in galleries, teach locally and nationally, publish designs, sell kits, and do freelance marketing writing for an online bead company.

There is so much energy outside the box! I can never imagine going back inside. Thank you for sharing your story and for inspiring others to break out of their four walls of fear.

Very truly yours,
Tina Koyama

Whatever you vividly imagine, ardently desire, sincerely believe, and enthusiastically act upon... must inevitably come to pass! ~ Paul J Meyer

Special Announcement

You definitely know you want to work for yourself. The problem is you don’t have a clue doing what…

Act Now to Sign Up for One of a Limited Number of Free Brainstorming Sessions With a Specially Trained Outside the Job Box Career Consultant – Up to a $150 Value

Between December and January, I am making available a limited number of appointments for a free phone consultation with entrepreneurially-minded career consultants specially trained by me to help people like you come up with creative ways to turn your interests into income.

Since early September I’ve been working closely with over two dozen creative men and women from the U.S. and Canada who found their calling by helping others find theirs as part of the Changing Course Outside the Job Box Career Consulting Certification Program. As the training program moves into its practicum phase, a limited number of free consulting session slots will be available to allow these talented consultants-in-training an opportunity to hone their skills with practice clients.

What you’ll gain is the opportunity to brainstorm how to turn your own ideas into income with one or more consultants who are looking to gain practical experience working with real clients before beginning to accept paying clients in early 2008. After January the cost for you to work with a certified Outside the Job Box Career Consultant will run you anywhere from $85 to $150 or more. But because you are signing on as a practice client, your only expense will be the long-distance charges for the 90 minute session.

Appointments are available in December and January and will take place over the phone. To accommodate work schedules, weekday, weekend and evening appointments are available. As part of the session you will receive a free copy of my eBook Finding Your True Calling and will be required to submit a pre-work assignment to the consultant prior to your session.

In exchange you must agree to have your session recorded for training purposes and to submit a written evaluation and/or testimonial within 24 hours of your consulting session. To be considered for one of the limited numbers of complimentary consulting sessions pleaseclick here to fill out a brief application form.

If you think you’d like to find your calling by helping others find theirs,click here to add your name to the Priority Notification List to receive advance notification of the 2008 Changing Course Outside the Job Box Career Consulting Certification Program beginning this spring.

Minds are like parachutes - they only function when open. ~ Thomas Dewar

Upcoming Workshops and Teleclasses

Here are a few featured workshops and Teleclasses, you'll find a complete listing

Turn Your Everyday Snapshots Into Cash

This January in Austin, TX, You Can…

  • Turn Your Everyday Snapshots Into CashLearn from professional photographers the techniques they use to shoot pictures that sell for $150, $400, $600 -- and even higher…

  • Get hands-on practice applying your new skills -- while you explore one of the world's most enchanting cities…

  • Discover how travel photographers create a need for their photos -- and double or even triple your photography income…

  • Find out just how easy it is to turn your snapshots into cash… and enjoy the freedom, independence, and travel that freelance photography delivers…

The Ultimate Money-Making Photo Workshop
January 31 - February 2, 2008
Austin, TX

Register by Nov. 30th and benefit from our
pre-registration discount -- and save $700!

Visit: for more details or (866) 415-1425 or local at (202) 370-6459 from 8:00am -5:00pm Eastern Standard Time. Spaces are limited.

Monthly Dream Maker Teleclass

Our November 19th Dream Maker Teleclass will feature Dr. Steven Botkin, founder and Executive Director of Men's Resources International (MRI). Begun in 2004 this unique non-profit organization has as its mission to help men around the globe to practice and promote a healthy, compassionate, and responsible model of masculinity. Dr. Steven Botkin, Men's Resources International

This is not the first time Steven has taken an idea and run with it. Twenty two years before launching MRI he founded another highly successful non-profit, theMen's Resource Center for Change in Amherst, Massachusetts. Over time though Steven realized he wanted to have an even larger impact. He began to imagine an organization that would connect, strengthen and support like-minded men's programs around the world.

Today Men's Resources International has partnered with major international aid organizations and participates in inter-organizational roundtables dealing with global issues of health, gender and violence. They identify and support men's networks in all stages of development, and provide training, coaching, materials and technical assistance to help these networks grow in size and effectiveness.

Join me as Steven shares his journey in making a living by making a difference in the world and offers advice to others about how you too can turn your values into your vocation.

This Teleclass is free to current members of the Fast Track Your Dream Community members. Non-members are welcome to attend for $19 with all proceeds going to the non-profit micro-grant organization

Monday, November 19
8:00-9:00pm Eastern Time

Click Here to Register


Fast Track Your Dream Community Members: FREE
Advance registration required at

Non-members: $19* 
Click Here to Register

"How to Become Joyfully Jobless" 2007 Teleclass Series hosted by Barbara Winter

Barbara Winter, author of Making a Living Without a Job

Barbara Winter

Learn what it takes to live the joyfully jobless life from the master − Barbara Winter, author of Making a Living Without a Job. A vivacious and wildly popular speaker, Barbara will address such topics as the power of multiple income streams… how to stop thinking like an employee and start thinking like an entrepreneur… why starting small is the smartest (and most profitable) way to launch your new enterprise… and much more.

Like mini-workshops, these monthly Joyfully Jobless Teleclasses are interactive, which means you get to ask questions and benefit from firsthand feedback from the woman I call the "Muse of Self-Bossing."

This series is free to current members of the Fast Track Your Dream Community members. Non-members are welcome to attend for $19 with all proceeds going to the non-profit micro-grant organization

Wednesday, November 14th
8:00-9:00pm Eastern Time

Wednesday, December 12th
8:00-9:00pm Eastern Time

Click Here to Register

*To learn more about how you can fast track your dream of working at what you love - and get a two month membership FREE - go to

**A portion of all revenue from this Teleclass will go to support the entrepreneurial aspirations of impoverished people in the US and internationally via the micro-grant organization

Be not afraid of life. Believe that life is worth living and your belief will help create the fact.~ William James


The View From theOther Side

"If someone had told me ‘Look, you’re going to start today and spend the next five years wasting your time trying to get this thing start’, I would have said I can’t do that. But you never think about what it’s going to take of you. Think: I’ve got it now.”

~ Isadore Sharp, founder of Four Seasons. He knocked on door after door for five years looking for investors with no success.



Resources for a Change

 Don’t miss these fast approaching deadlines…

Win $35,000 to Start Your Business The deadline is fast approaching for the Miller Brewer Company’s annual Urban Entrepreneur Series business plan competition. One winner will take home a $35,000 business grant to jumpstart his or her small business. Up to six runners-up will each take home a $15,000 business grant or five runners-up will take home a $5,000 business grant, seed money to take their dreams to the next level. The competition is open to all adults between 21 and 35 years old. Entries are due no later than 5:00 p.m. CST, Friday, November 30, 2007. (Winners will be announced in April 2008.) I know this is short notice but there’s nothing like a due date to beat back procrastination! Learn more 

The Intuitive Entrepreneur: Tools for Thriving with Ease is the name of a new workshop by “Business Guide” (love the title) Rosemary Senjem, founder of Handspun Digital, Inc. The workshop is specifically for creative people who want to be successful in business. Although I have not had the pleasure of working directly with Rosemary, Barbara Winter has and raves about her and her work. The workshop teaches ways
to maximize the benefits of intuition and learning how
to “think with your whole body, not just your head” while using basic business principles and tools. November 15-16, 2007 in St. Paul, Minnesota.
Learn more at or call 612-226-5101.

Spiritual Directors International(SDI) Annual Conference is happening in March 26-30, 2008 in Washington, DC. The early registration deadline is January 7th. I first learned about SDI about eight years ago in the Wall Street Journal when they featured a story about a pharmacist who decided to become a spiritual director to those seeking guidance. SDI is a global learning community of people from many faiths and nations who share a common concern, passion and commitment to the art and contemplative practice of spiritual direction. The organization provides programs, publications, and practices to support spiritual direction. The deadline for submitting a workshop proposal has passed but if this seems like a path you want to pursue, I recommend you attend the event first and go from there. (


Note: Changing Course does not accept paid advertisements from any of the resources listed here. This list is provided to expand your thinking about just how many interesting ways there are to make a living without a job!