Live Your Passion, Money Mindset

How I Went From Over 100k in Debt to Running a 7-Figure Biz, Doing What I Love

In late 2012 we sold our investment property and turned a modest profit. We told our family and friends how great it was to be able to liquidise something and come out on top but the truth is that we sold the house to stay afloat. The money was swept straight back up into debt and my business. Which was pretty much where all the money went back around that time, and for a good few years.

On the weekend someone emailed me asking for a discount on my coaching because “I must remember what it was like to still be struggling, not yet making money”.


I do remember.

I remember selling my house.

My car.

My pitiful portfolio of shares.

At one point even using up all the money I’d put aside for my then 3-year old daughter (which I later replaced, turns out I do have a ‘that’s enough’ barrier at some point!).

I remember increasing my credit card limit each time I knew I NEEDED to invest in the next stage of mentoring or coaching. Feeling sick to the stomach and wondering if I actually knew what the hell I was doing or if I really WAS downright irresponsible like I at times feared.

Or worse still just plain stupid.

I remember poring over bankruptcy sites, wondering if that would just be the smartest step. Going so far as to get on the phone and discuss it with the experts.

I remember the YEARS of collection notices from the tax office as I fought to make the bare minimum payments to keep me on top but yet always still behind.

I remember as a grown adult, a parent myself no less, still having to borrow money from my parents in order to cover over 30k of credit card debt, and having another 20k beyond that still accumulating interest at a rate of knots.

But then STILL investing in the next high 5-figure coach I knew I had to work with!

I remember being stuck in a car park after delivering a keynote on How to Make Money Online, unable to get my car out because I didn’t have the $17 I needed.

I remember telling my daughter no! And getting angry with her to cover my shame that I couldn’t afford to buy her the Gingerbread Man she wanted at the shopping centre. Yelling at her for always wanting treats because I literally didn’t have $2.50 that day. Telling her no! She couldn’t have a bottle of water either.

I remember pounding the streets for an hour later that day, pushing the pram of my newborn child and crying and yelling into the phone at my husband (with, not at) telling him I can’t take this anymore, I can’t do this, how long do I have to keep having faith for, how long must I fight this fight?

I’m strong and I’m resilient and I’m tenacious but I’ve been at it now for over half a decade and I’m tired.

So tired.

And I want my breakthrough and I want it on my terms.

I remember day after day after day squaring my shoulders and gritting my teeth and lifting my head up high and smiling and doing the freaking work even when I had no clue how to do the freaking work and even when I was in constant fear of how we could sustain this juggle, this always being behind, this worry that this next bill would be the one that we couldn’t pay that actually then impacted our living safety and security.

[pq]I remember doing what I had to do every damn day.[/pq]

Doing it when it wasn’t working.

Doing it when I didn’t know how.

Doing it when I’d lost all sight of why.


Doing it even while I ‘lived’ in hospital for weeks during a complicated and at times terrifying pregnancy.

Never stopping.

Never giving myself a day off.

Never NOT having a go at putting myself, my message, my offers out there.

Having the sinking realisation eventually, that I’d actually crossed the 100k in debt mark.

And STILL continuing on.

I’m not writing this in a quest for pity or some kind of pat on the back that I got through all that and to where I am now.

But forgive me if I want to throw my computer at you and SCREAM if you ask for a discount because “I must remember what it was like”.

Again, not because I feel like I deserve some kind of special treatment because of what I’ve done, who I am, but because if you think that that sort of approach is going to get you places?

You’ve got to be fucking kidding me.

It makes me want to scream and shout and tear my hair out and then CRY, because the idea that people actually still think they can create their dream business and life with anything less than an ALL IN approach that will SUCK THE VERY BLOOD OUT OF YOU is just –


It makes me despair.

And yeah. It does make me angry as well.

I’m angry at the ME who didn’t go ALL IN with her dreams sooner and I’m angry at the YOU who says she wants things a certain way, says she can’t stand them the way they are a minute longer but then continues to run and HIDE from the real work that has to be done to create this life.

Don’t get me wrong-

Even if I didn’t now have a million dollar business that continues to grow each month and even if I was now over 200k in debt and climbing I would STILL be going.

I would have NEVER quit.

And I would have gone as far as it took.

Because, quite simply, I always DID believe. And I knew that if this was to happen?

It was ON ME.

Do I remember what it was like?

Yeah. I remember all too well. It was the hardest thing I’ve ever done in my life.

But it was also the very best thing that could have happened to me – to have CHOSEN to go through all of that until I was done.

My money story is one of the messy and most convoluted out there. But I’ll bet yours is too. And if that’s the case, I want you to know –

You’re not alone.

And there is a way out.

It’s not by asking for shortcuts or discounts. But I think you knew that already.

Later this week I’m finally going live with the program that’s been bubbling away in me since this time ended.

It’s called It’s Only Money Honey – and it’s the money breakthrough program for women entrepreneurs who’ve always known they can have it all, on their terms, and are willing to do what it TAKES to have it all. Sometimes too much so.

We’ll be looking at the practical work in business and life as well as the internal work that is required for you to create the money situation you REALLY want.

It will be based on the strategies and techniques I myself used to eventually turn my situation around in under 6 months, and create a million dollar business within less than another 6 months from there.

If you’d like to know more about MY story and how I broke through, including some useful tips and actions you can take right AWAY, I’ll be sharing it all for free on my newest upcoming live training this week.

It’s not a pretty story. But it’s real as hell and I hope it helps you keep your head up on YOUR journey. You CAN create the life you want and you can start now, but if you want it?

You’ve gotta be willing to take it baby. And have the freaking belief in yourself to not try and get there through shortcuts and quick tricks.

Remember –

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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