Business Mindset, Money Mindset

My Top 10 Money-Making Activities from Over the Years!

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This morning we had brunch with one of my entrepreneur friends, Denise Duffield-Thomas, and her husband. It was great to catch up over some seriously gooooood food (hello breakfast buffet!) and it was also great to have a really good business-mindset chat. I have loads of like-minded money-making friends these days but they are mostly online friends so it’s always good to meet up in person with someone who doesn’t think I’m crazy or strange!

photo(2) Awesome breaky buffet at QT in Surfers AND we got to see Justin Bieber’s graffiti – what an honour 🙂

Anyway, one of the things we talked about was how important it is to be honest about where we are in our businesses (i.e. financials, lifestyle, what’s working and what’s not working). It was a timely conversation as on the walk to brunch I’d been thinking about how absolutely amazing it is that as of 2 days ago we are living the ‘laptop lifestyle’ – meaning we’ve put all our stuff in storage and are now officially nomads for the next few years! We’re starting with 6 months on the Gold Coast and after that we’re off to Germany for 3 months and then, well, who knows?!

And the funny thing is that I’ve ALWAYS known that one day I’d have that freedom; it’s a big part of what I’ve worked towards since building my business online starting way back in 2007. But I guess there was a part of me that thought one day would never come. It was only a few weeks ago that I suddenly realised –

Oh my God. It’s one day.

It feels SO strange to be honest. But also seriously awesome. And just so damn exciting to know that I’ve created this!

So anyway, as I walked I was thinking about how I’ve done SO much stuff over the years that hasn’t worked at all but also obviously a lot of stuff that has. And I wanted to reflect on that for my own benefit and at the same time share with you what has been the MOST effective and powerful work when it comes to growing my business.

So here they are – my top 10 most effective money-making activities from over the years!


Bloggers don’t make big money, they say. And that is totally true if blogging is ALL you’re doing. But as a business growth strategy it’s one of the best. I’ve blogged consistently since 2007 (usually 1-2x per week) and it’s one of the key reasons I have such a large audience of raving fans who love me and my work. I’ve delivered free value again and again and again and again and so when I DO release something paid? People know it’s gonna be good. Blogging has also positioned me as an expert and allowed me to feature on some amazing publications.

Lesson: don’t make blogging an ‘only when you have time’ activity.

Big beliefs

If you want to make it HUGE you gotta dream huge AND you have to be able to withstand whatever comes your way. Often the greatest saboteur to your success is your own inability to maintain your vision when the going gets tough.

Lesson: Did you know you can choose your beliefs? Choose now that you DO believe in your success, come what may. Be committed to maintaining that belief and you’ll get there!Allow your beliefs about success to wash in and out and you can’t expect to make much money now, can you?!

Don’t wait to monetise

Darren Rowse of Problogger told me this exact thing personally at the very first Problogger event when I put my hand up to ask that question. And it’s a great lesson – every time I’ve held off on launching or finishing off an idea it’s cost me money. I know – duh, right? But how often do YOU wait until you’re ‘ready’ and therefore end up delaying for months what could be done in weeks or often less?

Lesson: act first, figure it out later. All my most profitable ideas and programs I’ve launched with ZERO content plan. Once it sells, THEN I figure it out! This has created me literally several hundred thousand in additional income over the past 18 months, largely as I believe I simply wouldn’t have done a lot of the stuff I’ve done had I not had the pressure of knowing it HAD to be done.

Always be trying

Never ever ever stop trying. I don’t mean you should obsess about your business, but seriously – you probably do anyway, so obsess about how to make it work. All the successful entrepreneurs I know DO think about their business pretty much all the time. This is not so much because they’re workaholics but because their business is based on what they love doing (key!) and because it’s just in their blood to do so.

Lesson: don’t rest on your laurels. You can have the 2-hour workday, sure. But you gotta put the effort in to get there. And tbh you probably won’t WANT to work only 2 hours a day everyday if you’ve got that action-taking personality like I do!

The sooner you release your signature program, the better

Same sort of thing as ‘monetise now’ yeah? I know you want to create your signature program and see it fly. I know YOU know it’s one of the most important elements of making money online. After all, a $27 ebook can only take you so far. So what are you waiting for? Release that baby NOW. Even if only one person signs up, so what? It will force you to create the sales and marketing process as well as the actual content!

Lesson: you don’t have to have a massive audience to start your program. Even one client is a great start!

PS: I can help you figure out what your signature program should be and give you the sales and marketing training you need to sell it. Click here to see how!

Fail continually

NEVER let your failures get to you except in that they get you to pick yourself up and try again. I can’t tell you how many crappy programs or ideas I’ve had a go at, how many businesses over the years that failed spectacularly. Failure only dictates your results if you make it mean you should STOP.

Lesson: be proud of yourself for having the long-sighted belief and vision to keep going RIGHT AWAY after each and every failure. Ask yourself what you can learn rather than telling yourself you’re not going to make it!

Cheaper products WILL build raving fans

Clearly the money is in more expensive products, but it’s also in a big list of raving fans who would do anything for you. And what gets you raving fans who love your work? Well – free content for sure! But also, cheaper products. I just released a $21 Look Great Naked Cleanse (psst it closes after today!) and it’s a lot of work to create. Why create something so cheap when I have awesome stuff in place that makes way more money way faster? Well, partly I just love to create new stuff. But also it’s a great way to introduce new people to my work, and many of them will become lifelong clients.

Lesson: diversify your product line

Know your ‘why’

What is your business really about? Don’t say financial freedom! You have to know what your underlying motivation is to keep doing what you do, or when the tough stuff comes along it will be easy to justify quitting. For me it’s about having CHOICE. Choice is my ‘word’ when it comes to keeping on keeping on with creating my dream biz and life. Like right now I am writing this on the beach. I love that I can make money on my terms, spending how much time I want, answering to nobody and even working wherever I want. Not loving the sand in my eyes right now mind you, or my keyboard 🙂 but still -it’s my choice!

Lesson: ask yourself these questions. 1) What do I really want? 2) Why is that important to me? 3) What do I mean by that? – repeat the last 2 questions until you get to your ‘aha’ moment or your ‘why’. Journalling works well for this.

Don’t be afraid to release something seriously EXPENSIVE

Stop being scared and playing small! You are seriously awesome at what you do yeah? You can help people? How much value are people getting from you, really? Don’t be afraid to charge more for your work, especially if it involves access to you! Do NOT base your prices on what others are doing, base them on what you are worth.

Lesson: learn to honour your time and your worth. And if you want help with pricing and selling higher-end products and programs, have a chat with me and my team about how you can go about that!

Mastermind your way to success

Finally – the most important part of the mix! Surround yourself with a team of people who will cheer you on, support and believe in you. People who KNOW YOU CAN DO IT and who are also there to raise you to a higher level energetically and teach you to expect more. I spent the first 4 years online completely alone and I DID succeed (due to my beliefs and determination) but it was tough going. Since actively seeking out mastermind friends and investing in coaches who were where I wanted to be, my income has gone from a few k a month online to now over 50k per month online, and growing.

Lesson: the best money in your business is spent on coaching. But you can also hang out with like-minded people for free if you start putting yourself out there and looking for them. Entrepreneurs are everywhere and you don’t have to to go it alone! My clients LOVE that they get to hang out in a mastermind of wealthy woman when they coach with me, and I love the same about being on the VIP list with my coaches!

Life is Now. Press Play.




A One-Time Live Online Workshop with Katrina Ruth, on How to Make Money Anywhere, Anytime, With ZERO Dependance on Any One Platform, Program or Tool … Aka JUST BECAUSE THAT’S WHO YOU ARE … AND – With the Greatest of Ease

Okay. Imma gonna get straight up on your ass about what needs to be said here, because obviously SOMEBODY needs to hit the damn truth button on this shit!!

Straight up from the gate up, you do NOT make money because of Facebook.

Because of Instagram.

Because of email.

Because of ANY of this shit.

You make money because of who you are and what you decide and make NON-NEGOTIABLE, period, The End!

As you may be aware, in the last day or so Facebook and Instagram went down down down OH so far down.

After a few obligatory ‘stop the world!’ messages to my team and friends (which resulted in a serious convo with one of my soul sisters as to whether we’d now have to become porn stars instead), I got back to business.

The business of posting and selling shit on Facebook, which is admittedly a big part of what I do each day???

Nah … the business of being ME, because THAT is what I actually do each day, and also?

It’s what gets me paid.

Funnily enough, as is often the way with these things, just yesterday somebody was making smart-ass comments to me about how all the coaches would survive if there was no Facebook or Instagram.

“How would they survive?”, I asked myself.

“Well, I have no idea how THEY would survive but I sure as shit know how I would survive:

Very fucking well indeed, thank you very much, because that is who I AM”

Word to the wise:

A) I was making serious money long before I used Facebook for it.

Allow me to say it again for those in the back: YOU MAKE MONEY BECAUSE OF WHO YOU ARE AND THE LEVEL YOU VIBRATE AT.


It’s an energy thang baby, a frequency shiz niz, it’s just who you ARE and how life works for you.

Handy hint —> the level of wealth you enjoy or moan over now is already just a direct reflection of your frequency, and expectations. It ain’t got jack shit to do with what you do, and it certainly is not a product of which tools are available to you.

It is a product of YOU.

When the socials went down today it was FASCINATING to me to observe the response that came through in the in-between-y bits when people managed to post something.

People worrying about how it would impact their business, or feeling in some way handcuffed.

This is crazy! It’s fear-mongering at its worst and it’s an absolute SHITTY mentality as far as belief systems around where results come from.

Do you know what I felt, when I realised we couldn’t use Facebook as normal for our biz stuff?


It took a minute to click in, but I found myself getting all wriggly and lit up with excitement.

I love a damn challenge 🙂

And since I also choose to believe that everything is happening FOR me, I also took personal responsibility for this occurrence.

Obviously FB and Insta had gone down in order to force me to finally pull my finger out and learn how to go live on YouTube.

But mainly – hell YEAH to the opportunity to get creative!

Probably taking the whole thing a little bit too far, as I worked my way through some sprints on the rower post HIIT weights session, I started to imagine what would happen if Facebook was TRULY GONE AND NO LONGER OF THIS WORLD.

I got MORE excited with each second that passed (which makes me remember how damn BORED I get as soon as I know how to easily do something aka make money all day err day on Facebook), and I also found myself AUTOMATICALLY GOING INTO ZAG MODE.


You know, like ‘When They Zig you Zag’. A classic, if ever there was one!! Thank you Dad, for always having all the BEST books on your bookshelf for me to start reading from 10 or 11 years of age!

See, I have a belief system which works rather well for me and I guess is just part of who I am –

I believe that things ALWAYS work out perfectly for me, and are always done FOR me …

I believe I am always on path …

I believe I always make the right decision, so therefore I never have to beat myself up, I just wait for the lesson –



I believe that my outcomes are predicated only by my choices, and that there is nothing I EVER need in order to get or maintain or ONLY improve on an existing outcome.

It’s this mindset that causes me to wonder what TF it has to do with anything when people say things like they can’t be in shape ’cause they have kids or just had a kids … or ’cause they can’t get to the gym (for example)

And it’s also this mindset that causes me to KNOW that the money I make and the impact my soul work has in the world has NOTHING to do with what tools or platforms are available to me or working.

I programmed myself a long time ago to IMMEDIATELY swerve if something was no longer serving me or working for me. It’s this part of my mind which therefore right away started coming up with creative and imaginative solutions for how business would OF COURSE carry on (and improve!) with or without social media.

And it’s also this part of my mind which of course right away finds a way to monetize the damn thing and turn it into epic and highly helpful content for you, aka this workshop!

It’s just how I think, and who I am. I am simply unavailable for NOT moving forward, and nothing will ever ever EVER make me believe that I have to depend on anything outside of me for my results.

So why a whole damn workshop on the concept?

Well, it’s more than that, isn’t it?

It’s a mindset of believing that you always get what you want.

It’s a mindset of believing that everything always works out for you.

It’s a mindset of believing that NOTHING can stop you.

That everything is working in your favour.


That you can monetize ANYTHING, any time you choose, and with no ‘requirements’ in order to do so!

I don’t have to tell you that obvs the outcomes you get directly follow and reflect your mindset and your beliefs!!

Here is what else, as well:

This is not just about making money any time, from any thing, and knowing that even with challenge or things going wrong you only THRIVE and EXPAND!!

For me this goes hand in hand with duh – I get to do all of that on my terms.

By having FUN, and being in FLOW, and with ease.

In fact, the more money the more ease!! #justhowitis

That I can literally click my fingers and money shows up for me, meanwhile I’m just over here doing ma thang.

Speaking of which –

I think it’s about time I shared exactly what I currently DO all day, yeah? And how I do it / fit it all in / honour ALL the areas, PLUS manage to spend so much time sitting on my ass doing sweet FA!

In other words … !

Let’s hang out together this weekend!!




A One-Time Live Online Workshop with Katrina Ruth, on How to Make Money Anywhere, Anytime, With ZERO Dependance on Any One Platform, Program or Tool … Aka JUST BECAUSE THAT’S WHO YOU ARE … AND – With the Greatest of Ease

> It’s happening Thursday March 21 at 11.30am Brisbane time (Wednesday 9.30pm NYC / 1.30am London, UK)

> All fully recorded if you can’t attend live

> ALL your questions answered (either live during the workshop, or afterwards in the group if you can’t attend live)

> KILLER bonus content on Top 11 Most Effective & Proven ‘When They Zig You Zag’ Sales Secrets

> Live support from meeeeee in the group afterwards for anything extra you want and need to know!

> Free Bonus Entire COURSE for Everyone! My $197 Alignment & Asskickery Toolkit, a 14-Day Smackdown to Bring You Back to YOU, and Into Massive Aligned and Result Based Action! Yes, that’s an entire $197 course and you’re paying less than half of that for this entire workshop!

> All content yours to keep for life!!


What We Will Be Covering!

1) How to Monetize ANY Situation, Including But Not Limited To:

* When social media or any typically depended upon platform goes down (including examples of how I have down this several times, to the tune of tens of thousands)

* Hater situations (including examples, again multiple times, again tens of thousands of dollars)

* When you make a fool of yourself / something embarrassing happens or you screw up (also examples! also lots and lots of lovely moolah)

* When people ‘screw you over’ (ahem, we will talk about this) or desert you (also examples! more money!)

* Basically how to turn any and all life situations, moods, changes of the moon, emotional ups and downs, real life SHIT, to money!

2) Why the ‘When Shit Happens’ times are often the BEST times to make money, aka this is where I teach you what it really means to understand human psychology in terms of SALES, and the mindset of being an actual IN THE FLOW entrepreneur, who ALWAYS sees opportunity and jumps straight on it

3) When NOT to Monetize (okay that one you can have for free – never!!)

4) Understanding Where Money Really Comes From – and aligning yourself TO the frequency of wealth, such that you can literally NOT.BE.IMPACTED by anything that 99.99% of people think will cost them business

5) Money Vibration Principles Revealed (… my own personal philosophies and things that I live by / instil into my being around this, including my own daily practices)

6) Coding For Success

* How to ALWAYS have an endless stream of ideas

* AUTOMATIC continual unleashment of creativity and imagination, especially in so-called times of struggle

* Seeing past problems and accessing higher self in order to always know the answer, and how to move forward

7) Programming to Upgrade – the beliefs, energetic states and emotional patterns you require in order to be this person, have all this work for you, ALWAYS see and have the ability to act on the shit that will most pay off

The ‘Do What You Want All Day’ Bit:

* Exactly how my typical day flows and how I operate for maximum efficiency of time, energy, mental acuity, soul connectedness, etc

* Getting it all done as a busy entrepreneur (and single Mum, in my case) who also refuses to operate at anything less than EXCELLENT in terms of self-care, fitness, fun, playtime, etc

* Exactly what I do all day, broken down to the detail, to helm this becoming-8-figure-empire

* Exactly what I do NOT do all day, either it just gets ignored (hint: a LOT that most online marketers think matters!), or I let other people do it for me

* Calling in soulmate support, even long before you are ready to afford it

* Optimizing energy, focus, personal power, happiness, general flow. Aka mindset and also brain / nutrition hacks and so on


AND, while we’re at it, we will also be talking INSTANT MANIFESTATION. The exact process I use to bring the future into the NOW, by clearing all blocks existing between its reality in the quantum and its physical manifestation in the now!!



I’ll be doing this ‘Rapid-Fire’ Session at the end!!

1) What it really means to be magnetic online – hint: it’s not about having a pretty and polished website or online presence!

2) Bringing the ‘in private / behind the scenes’ version of you to the public

3) Unapologetic messaging and soul baring to call in your true #soultribe

4) Audience quality vs quality, and active elimination of those who don’t ‘HELL yes’ on your content

5) People don’t buy your products, they buy you. No – people don’t buy you, they buy your energy!! What that means and how to let it out

6) Being real about where you need to take care of YOU in order to be able to show up and shine fully

7) Keeping a laser-focus and tunnel-vision on your own path, and having the courage to pave the way that feels right for you even if it’s not been done before

8) Discernment to walk the line between being polarising and positively outrageous as opposed to just a hot mess 🙂 Scaling and magnetizing FROM the chaos of creativity and following the true artists way!

9) Knowing which ideas to work, what will sell, and how best to sell it so that the entire launch and selling experience is fun AND rewarding for both your audience and you

10) Creating hell yes offers that make them scream yes!

I know!

This workshop is off the HOOK already, and we haven’t even accounted for all the random shiz which will be coming out of me!!


Don’t forget the bonuses >>>> !!!

> KILLER bonus content on Top 11 Most Effective & Proven ‘When They Zig You Zag’ Sales Secrets

> Live support from meeeeee in the group afterwards for anything extra you want and need to know!

> Free Bonus Entire COURSE for Everyone! My $197 Alignment & Asskickery Toolkit, a 14-Day Smackdown to Bring You Back to YOU, and Into Massive Aligned and Result Based Action! Yes, that’s an entire $197 course and you’re paying less than half of that for this entire workshop!

> All content yours to keep for life!

What are you waiting for? You KNOW that if you apply even ONE tip of the approximately gajillion I’m sharing here you’re going to 100x your investment back! Which is why I am even EXTRA excited to be able to give this to you at such a low price, as per the commandment of my soul!! Plus it’s fun 🙂

Okay then! See you IN there baby!


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  1. linsey says:

    Awesome. I needed to read that today! I was nodding along with everything but it’s so great to see it all in once place. THANK YOU!

    1. Kat says:

      My pleasure!

  2. Anna Long says:

    Kat, this is gold. I can tell you’ve been there and done that and you are awesome for sharing your lessons and love. You’re a total inspiration. Enjoy your 2 years of travels! My hubby and I just returned from 2 months traveling in Asia and we are about to head off for 3 months in Mexico so I totally get your “one day” feeling 🙂

    1. Kat says:

      That sounds amazing Anna!

Comments are closed.

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