Money Mindset


I just finished reviewing my company cashflow for the upcoming month.

I love looking at this neat little spreadsheet, I love seeing all the many places money is going through me to, I love seeing my various property and stock investments ‘expense’ requirements listed out alongside the monthly repayment for my car (I bought my 200k car for a 70k down payment as I wanted the extra $$ for property, so I pay a monthly repayment), I love seeing how much we pay out each week to team (about 22k per week including my own wages – less than 10k / week, more than 5 😉 – and including all team super), I love ALL of it.

I love seeing the smaller but yet so important payments which go out to various contractors, people who help me get my message out in a bigger way, the different software companies we use (not that many; we’re pretty low key on the tech side of things!), various other ‘actual must haves’ for running a multiple 7-figure business, various at home expenses whether it be gardener / cleaner, or bigger and fancier things as I continually style up my house.

I even love seeing that between the company and my own personal income, we pay a considerable 5-figure sum each month in taxes!

When I look at my weekly cashflow / expense requirements, and even more so when I look at the monthly expense sheet of everything which is paid every month on repeat, I don’t see a list of bills totalling in the high 5-figures per WEEK, what I see?

Is a nice little excel map of how I’ve created my dream business and life.

I could see it as scary that I ‘have’ to come up with more each week than the average ANNUAL income, I could feel pressure, and responsibility, and ‘help’! And if I’m being honest I DO feel these things sometimes.

When I get into my fear mind, when I let worry take the wheel.

If I allow THAT to happen, I might start spiralling into some kind of (Lord help us) THINKING approach to making more money; a terrible idea if ever there was one.

I might make plans.
Even start doing math on how much I need to sell of this, or that, or the other thing!
I’ll spend a LOT of time getting into ‘what will make us money this week’, I’ll then roll that shit out like the A+ student I am, and then inevitably? It will work roughly in the way trying to roll a ball of sloppy mud up a hill with no container or barrow of any sort would work.

Aka it will NOT, and you will end up messy and grumpy as all get out.

So mainly, being the smart gal you know me to be, I do not let fear have a voice. It’s a life hack I’ve found to be useful 🙂

Another rule of life which I’ve found to be true?

The more I look at my money, observe and notice and say yes to where it needs to go and am CLEAR on that, the more money shows up for me! I don’t mean look at it in an obsessive Scrooge-esque way. I just mean: know what the sitch is. Keep my head firmly OUT of the sand, where, in my broke AF days, it used to be well and truly placed. What you observe grows; it’s pretty simple.

For years I was TERRIFIED to look at my money stuff.

Not just my money beliefs or so-called blocks or fears, I’m talking about my actual money situation.

Dollars and cents and columns and tabs and where did it all GO, and where does it (oh shit!) NEED to go.

Ugh, the first time I did this it took HOURS. It was an absolute clusterfuck, I mean that in a literal sense in terms of my method of tracking money and expenses up til then was, uh, I had none, and it was just really freaking painful to sort out.

It was also emotionally and energetically supremely confronting, as I had to face up to the fact that despite making no SMALL amount of money in my life up til then, I had nothing to show for it except WELL over 100k of debt to the tax office and my various credit card lenders.

I felt so deep in the hole that I couldn’t even see a pin prick of sky. Except, wait, what was that now? There it was, a tiny little light, a whisper of hope, a VIBE of something, a feeling of, hmmm, let me recall –


Even though I was so far from where I wanted to be –

Even though I couldn’t have possibly imagined having millions of dollars in assets the way I do now –

Even though my NORM was to live in fear and feel guilty to even buy a $3 coffee –

I immediately gained freedom and power just by finally laying the whole situation down bare so I could see it for what it was.

You can DEAL with a monster you can see, the one you imagine in your head and live in constant terror of? He’s a lil harder to know what to do with, and all you do is HIDE, in contraction, in panic, in ‘please, no, not that!’.

If you’re not where you want to be with money right now, I will TELL you right now that the answer is not to budget.

It’s not to feel guilty every time you spend a few dollars on yourself, or even when you want to invest in something bigger, for growth, or business, or just FUN.

It’s NOT to tell yourself you ‘shouldn’t’ yet, you ‘can’t’ yet, and so on.

And it’s certainly not to continue to spout off the repetitive lack based shit you currently do, often without even noticing it, failing to acknowledge just how much you are RE-creating your ‘don’t have’ reality through your words!

The answer is simple:

Get your damn head out of the sand, OBSERVE fully your entire current money reality, get Excel for Dummies if need be (that’s what I did when I first started taking charge of my money, AND I read it at the library ’cause I couldn’t afford to buy it!), and figure this shit OUT.

Get clear on your EXACT monthly requirements for all business and life and giving and fun / adventure expenses as well as WANTS.

List out all your debts, all repayments.


And then start to pay attention. Because I bet that you’ll find, if you really dig into it and break this shit down, that somehow, whether you currently make 1k a month or a hundred k a month, you ALWAYS manage to pay exactly what you (really and truly) have to.

In reviewing my cashflow doc just now I couldn’t help but smiling at how the weekly ‘break even’ amount required across my company and personal expenses, i.e. the amount needed to cover ALL expenses and requirements, is literally LESS THAN $60 under the weekly average income received thus far for 2019.

We are talking about a high 5-figure amount per week.

And consistently what I pull in is under $60 more in revenue than what is required each week for expenses.

THIS IS NOT A HAPPY COINCIDENCE; #PHEW, we can just make it!!

This is entirely by design and it’s about me understanding what works for me and money!

Before you feel all sad for me that I only ever ‘just’ cover expenses, let’s remember these expenses include all of my purposeful WEALTH creating expenses, investments, and investment-based savings. It also includes (as part of my own wages) tithing as well as (separate to tithes, as tithe is tithe) giving. And saving for my children and so on. Basically – it includes everything! Even putting aside money each week into a ‘first class travel’ account, something I have done for years so money is always there when I wanna book a random trip.

So, it’s the cost of running my life. The cost of living my DREAM life, and meeting every expense and desire relevant to that.

If I want to increase my income, all I need to do is increase my expenses, purposefully! Knowing myself I know that the best way to do this is by what I call ‘dialling it up’. A gradual increase in what is required works best for me, and always has done so. Kinda like the proverbial boiling of the frog in water thing (which apparently is not true, but you get the idea!) – you don’t really notice the adjustment if it’s gradual.

Doing this is EXACTLY how I got from 30k months to 50, 80, 100, 200, 300, then over 400!! And even up to 30 in the first place of course, although I was less deliberate about it then.

For a lot of that, I ended up with nothing to show for it. Because I ALWAYS BROKE EVEN. Then, I started to add wealth creation in. Now, breaking even includes savings and growing wealth! I know I’ve said this several times, but I really want to drum it in for you, because I believe that MOST of us are really really good at hitting what we ACTUALLY believe we require.

Change what you require??

Change what you RECEIVE.

But here’s the thing –

If you refuse to look fully at what you require, and also at what you have right now, you don’t very well know where you’re even jumping off from to try and change things, do you?!

So it might be good, today, to take a deep breath and decide to FACE THE SITUATION HEAD ON.

Get naked and stare yourself up and down in the mirror baby!

Observation is the secret, and it really does get to be that simple.

Don’t forget –

Life is Now. Press Play.

Kat x


Programmed to Upgrade is happening gorgeous, and WHOOOOO MAMA is this the work that works.

25 days, you and me, 1:1, to quantum leap like you’ve NEVER leapt before.

This will be intense …

And a lil bit scary. But buckle up, because you KNOW you’re ready for it.

SO fucking ready 😉

Programmed to UPGRADE!

25 Days, 1:1, with Katrina Ruth, to SCREW the Rules, SCREW the Norm, Go So Damn Extra, So Freaking Hot, So Fully SEEN, and Snap Your Future Into the Now So Damn Fast It’d Make Your Head Spin … even as you nod in certainty that of COURSE, this is what was ALWAYS supposed to be ..

Places are already filling, and we begin next week. If you know it’s time to say yes to MAGIC, and creating your reality from the supernatural, and you’re SO ready to drop the paradigm of always having to DO (and yet still not be there!) then message me now.

I’ll get you the full overview, and talk personally with you about whether or not it’s for you.

To the supernatural baby, and beyond …



As of today, I’m opening up the doors to my Inner Circle, my private client mastermind.

This is THE most badass high level mastermind in the world for women who want it all – and are prepared to do what it takes to get it! Really what we’re talking about is being prepared to be the PERSON.

And that’s what I do. I help you remember ALL that you were, and then become it. ALL Of it.

This is my highest level private mentoring circle. The exact place where I have personally mentored dozens of this industry’s most elite female entrepreneurs to break income barriers ranging from 10k months to multiple 7 FIGURE months, and everything in between. But more importantly than that – to become who and what they always were.

But know that this is not only (obviously) not just for the masses, this is also not just for someone who can afford to invest in a high level private coach. Being willing to throw money down is something which has absolutely zero correlation to being somebody who has what it takes to TRULY go next level as a leader.

If anything, in this industry, investing in a high level coach such as myself, is a rite of passage which veers just a little too much on the side of ‘trend’. It’s become something which ‘everybody does’, almost as a way of proving they play business and life a certain way.

Maybe even of trying to prove it to themselves.

Here is the reality which those who I am truly here to personally mentor and lead KNOW, the reality which my clients and all women like me as well as of course me personally have ALWAYS known:


We are simply, smarter, faster, and have more presence. We can do more in our minds before breakfast than what most people can do in a freakin’ WEEK, a month, a year.

We are not basic ass coaches trying to heave ho our way up a few extra thou a month.

We are the ones who have ALWAYS known we are 1% within the 1% within the 1% in terms of how we think, create, operate, how and WHAT we are tapped in too.

This is not arrogance, this is fact.

And there has NEVER been any question but that we will go all the way.

My clients are high level badasses who do the work, who have a proven track record BEFORE coming to me, and a BEING-ness which unquestionably separates them from the rest. They don’t come to me to save them or lean down and hold my hand out so they can clamber up. They come because they are, quite simply, ready to go to the next level, already absolutely on their WAY there, and see in me something which they recognise because it is in them.

That ‘can’t stop won’t stop’ fire, and a level of ‘unapologeticness’ which, when truly understood and applied, can literally be the difference between 5-figure or low 6-figure and 7 or multi-7-figure entrepreneur.

So if you know who you are and it is THAT –

And you feel certain that you are ALREADY well on your way to to precisely where you’re meant to be, but that being in MY energy could help you to drop in and get there even faster, and that with a couple of simple tweaks your current revenue could be doubling, tripling, heck QUADRUPLING and beyond in months, as it has done with numerous of my clients previously, well then –

PM me here and we’ll see if it’s a fit. I’m excited to talk to you, and maybe – do biz and life with you.

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