Goals work very well for some people. They accept that achieving only a portion of their goals still constitutes success. Then, they reaffirm the goal and start again. But, even this positive approach still leaves a significant piece of the money puzzle missing.

A clear intention puts Universal Creativity into motion. Your intentions speak to the quality of life you desire when you reach your goal. Think of it as the "goal of the goal," or the core benefits received from accomplishing the goal. "Intention" is defined as focused thought, feeling, and action in a specified direction. Intention is the "creative energy" that bridges the gap between where you are and where you want to be. Intentions transcend the achievement of a specific goal. They don't have ending points.

Intentions reach beyond the goal, itself. Intentions help develop a track record of financial successes that build self-confidence. A client wanted to change her relationship to money, but when asked what she wanted she replied, "I want to manage my money well, and be organized." What was she missing in stating these lofty goals? There was no intended result of being organized. She came to realize that security, stability and consistency was what she really sought. Until these intended results were part of her intention statement she was just running around in circles "getting organized."

True intention prompts immediate action. An intention is judged by the action steps you take towards achieving it. Taking action is letting God (your Higher Power) know you are serious. If you aren't moved into action your intention falls into the category of "just an idea." The amazing thing about taking action is that the action does not necessarily have to be logical.

Things happen more naturally when you know that you have clearly written intentions. Consistent action steps coupled with clear intentions will produce the life, the money and the financial well being you seek.

Intention statements begin with the word "be". Some examples are given below. Do any of these fit with your money intentions? If so feel free to borrow them.

• Be in charge of my money and my life
• Be content, at peace with my life and my money
• Be comfortable in my financial way of living
• Be well paid doing what I love
• Be financially joyous and at ease with myself

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She holds a Masters degree in Education from Northern Illinois University, and has designed, developed and presented training programs to major corporations including American Honda Motor Company, AST Research, Inc., AAA Chicago Motor Club and Chevron Oil.

Known for her light-hearted, pragmatic, yet deeply personal approach to financial success, Marilyn's quest for emotional and financial freedom has led to the discovery of a number of principles, techniques and tools that have helped thousands of people achieve financial well-being.