Most people won’t give this feedback.

But the way some of you use social media does a lot of harm to others.

I mean, A LOT!

It can also do a lot of harm to you and the business you have worked hard to build.

The twist is, many of you did not intend to cause harm to anyone. On the contrary, I know you intended to be of service to others!

In this episode I share and discuss:

And because I talk money in my universe, I discuss:

Finally, I share a simple solution to all of this: Just ask permission. It's the more prosperous thing to do.

I want remind all of you of this: Not everyone is in a healthy and safe space.

Consider that the next time you post something without someone else's permission.

As an FYI, I do get a little heated in this episode complete with some colorful language.

Please feel free to share your thoughts and opinions about this episode.

Connect with me on Instagram: @mindfullychioma

Feel free to send an email to: [email protected]

Episode webpage: https://anchor.fm/cheers-to-your-prosperity

Cheers to your prosperity!

Your budget wants to be your biz bestie!

…rather, if it had its own personality, it would want to be your best friend, wing man/woman/person, security detail…

You know, the person, being, or thing that protects you from the bad and wants you to have good things coming into your life.

Examples of good things include:

If you like what you are reading so far, you’ll love listening to this episode because I discuss how this tool, called a budget, is actually for you, not against you.

I begin by ranting about why I dislike the question, “do you have a budget?”

I’m already going to answer…the question is super stuck up as sh*t and a bad question (yea, I wrote it and said it).

I also discuss is how your intentions and beliefs can create the experience you have with budgeting.

For example, if you believe the budget is too restrictive, then it will be too restrictive. However if you love budgeting, you’ll create a budget that has you falling further in love with budgeting.

I go on to explain why your budget might be too restrictive, time consuming, and all the negative things. Hint: It is based on someone else’s needs, beliefs, values, etc.

I also share the different types of budgets, which could be a better fit for your needs and lifestyle.

I share some tips to help you stay committed to your budget.

Finally, I explain why blowing your budget is not always a bad thing.

Resources mentioned:

Atomic Habits by James Clear (Available on Amazon and other retailers) – this book is great for understanding habits and how to create those quantum leaps the internet streets love

Mindful Financial Habits e-Book (https://www.themindfulbookkeeper.com/mindful-financial-habits-ebook) - the e-book gives specific examples of financial habits

Website: The Mindful Bookkeeper (https://www.themindfulbookkeeper.com/)

Email me: [email protected]

Connect with me on Instagram: @mindfullychioma (https://www.instagram.com/mindfullychioma/)

Cheers to your prosperity!

You need a FUN account.

That's right!

You need a bank account that has money that is ONLY to be used for fun.

That means an account where you can spend money on coffees, dinners, and anything else your amazing heart desires. 

No judgment. No shame. No guilt. ALL GOOD!

In this episode I share:

- Why you need a FUN account

- The benefits of having a FUN account

- How restricting yourself from FUN (aka being practical) can hurt you

- How to get started with funding your FUN account

- My personal experience with having a FUN account, including how it served me

DISCLAIMER: I am an accountant and financial coach, however I am not your accountant or financial coach. Therefore the suggestions and topics discussed in this episode cannot be considered to be advice. The content in this episode is my opinion, only.  

Work with me: If you would like assistance with developing a FUN account or growing your bank account without selling more let’s chat! Click here to schedule a call. - 

Work with Me (copy and paste link): https://www.themindfulbookkeeper.com/financial-control 

Recommended reading: All Your Worth by Elizabeth Warren and Amelia Warren Tyagi

All Your Worth, (Amazon store copy and paste link): https://www.amazon.com/All-Your-Worth-Ultimate-Lifetime/dp/0743269888/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1653273402&sr=8-1

Let's get social on Intagram: @mindfullychioma

Instagram (copy and paste link): https://www.instagram.com/mindfullychioma/

*not all links are available on every platform or site, therefore the copy and paste links has been provided*

Cheers to your prosperity!

The title of this episode is not a typo.

It really is HOW money mindset is making you broke.

Before you dismiss me as some disgruntled accountant seeking attention, please hear me out.

For starters, there are many who have taken money mindset courses, worked with money mindset coaches, and believe in manifesting money yet continue to struggle with money. I used to be one of them and perhaps you are in this position right now.

The reason for the continued struggle with money is this - what we have been taught about money mindset, including how to manifest money, ACTUALLY keeps us in that financial struggle or worse, cause us to be broke.

I affectionately refer to that position as ‘Woke Yet Broke’.

Money mindset (and manifestation), however, is meant to help you have money. In fact, money mindset and manifestation helped me climb out of my financial rock bottom…when I learned how to use them properly.

Which is why I just had to share this episode so that you too can learn how to use money mindset and manifestation to help you thrive, sustainably.

Here’s what else you’ll learn in this episode:

- Proof that money mindset is not really serving people as it should

- How exactly money mindset keeps you broke

- My personal journey with money mindset and manifestation (including how it kept me broke and how it helped me out of financial rock bottom)

- How to use money mindset to help you actually have money

Other resources:

I discussed this topic, as a guest, on the In My Non-Expert Opinion podcast, and trust me when I say, the episode is absolute fire. For additional insights on how money mindset and manifestation can keep you broke, please check out 'Is Money Mindset and Manifestation Making You Broke?'

Connect with Chi!

Instagram: @mindfullychioma

Work with Me: Achieve Financial Control

Website: The Mindful Bookkeeper

Episode Web Page

You can have amazing credit, and have no money in the bank.

You can also have bad credit, and have plenty of money in the bank.

How is any of that possible?

That’s what I’m exploring in this episode where we talk about credit.

I begin by providing some background on what goes into one’s credit score.

This episode also highlights what is unfair about the credit score. Dropping a hint, have you ever wondered by paying for rent, utilities, groceries, all of which many pay in full and on time, are not considered in the credit score?

I then go on to explain why I had bad credit for most of my adult life.

Last but not least I get specific on how I was able to own luxury items and build my bank account despite having bad credit.

This episode is dedicated to those that feel shame for their credit situation. I hope you all can hear your story in mine and, therefore, be comforted by the fact that you are not alone. Most importantly, there is nothing to be ashamed of. Having bad credit does not mean you are irresponsible or a bad person. 

These two podcasts inspired this episode:

Popcorn Finance - The Credit Score is Overrated

Money Please - Is Bad Credit Really That Bad?

I also mentioned some resources for you to check out! I highly recommend these books as they have been an absolute game changer in my financial life:

Profit First by Mike Michalowicz

All Your Worth: The Ultimate Lifetime Money Plan by Elizabeth Warren and Amelia Warren Tyagi

Feeling out of control with your finances? I can help! Click here to learn more about how I can help you Achieve Financial Control.

Episode website

Last but not least, please rate and review the podcast. Your support spreads the message of prosperity were we all benefit. 

Thank you so much and Cheers to Your Prosperity!

For many of us, financial success means having money, right? 

Well, what if I told you revenue is not always a sign of financial success?

What if I also told you that profit also is not always a sign of financial success?

Cash is king, my friends.

...at least it is, in my experience.

I look to cash, as in REAL money, because money is a resource that serves you. 

This episode is about helping you shift your business (and life) from a cash leaking monster into a money making machine, which means you work smarter, not harder.

No more spending $2 just to earn $1.

In this episode I share 10 different ways to grow your bank balance with cash. Also included is a bonus, which makes it 11 options or ways to grow your bank balance without selling more.

I need to add some context to a statement I made in the episode, about the online world as it relates to money mindset and manifestation. I am not making fun of money mindset and manifestation. To do that would make me a hypocrite because I too am a money mindset personality and, while I do not lead with my spirituality, I walk the path of manifestation. What I do refer to, in the episode, are those that spread mindset and manifestation from a misinformed place because they do not yet understand what they are sharing. 

Keep listening to future episodes, and you will understand where I am coming from.

I’d love to help you achieve financial control!

For a more information or to schedule a free chat, click here. 

Like this episode? Please rate and review! Your comments matter! Also share with your friends!

Let’s get social! Find me on Instagram @mindfullychioma and tag this episode in your stories or feed.

Episode website.

I appreciate all of you!

Cheers to your prosperity!

Is your daily coffee really the reason for your financial struggles?

According to Suze Ormon, “You are peeing $1 million down the drain as you are drinking that coffee.”

Can I tell you how much I love that line?...and I whole-heartedly disagree with it.

I believe (and know) you can get rich (or at the very least have money) and still drink your coffees too.

In fact, by continuing to point the fingers at coffee we end up not addressing the real cause of the financial struggles.

In this episode I go deep into why the coffee blaming is problematic.

Dropping one hint, blaming coffee keeps us in scarcity, which then continues the financial issues.

I also share what I believe is the real reason many of us struggle with money.

Finally, I discuss a really easy and passive way for all of us to build wealth and we can continue drinking our daily coffees.

I do have to share this disclaimer: I am not your accountant and financial coach until you and I work together. Therefore this episode should not to be taken as specific advice for you and your finances. The contents of this episode are for discussion and inspirational purposes only. Therefore follow the advice at your own risk.

With that said, if you would like to work together, visit my website.

Follow me on Instagram and share your thoughts about this episode.

In fact, I'd really appreciate it if you could rate and review this episode.

Lastly, here is the episode website.

Oh, and here is Taylor Conroy’s amazing TEDx talk: How to Build a School in 3 Hours

One more: Check out Profit First!

My friends, I believe we all have a right to prosper.

Cheers to your prosperity!

Episode 1! 

Let's go!

This episode is more of an 'About' Cheers to Your Prosperity.

In this episode I share my background, including a little of what I do and how I serve.

I also begin to open the door on what I believe is the real reason we struggle with money.

Finally, I share the upcoming podcast topics that you do not want to miss!

Let’s get social! Find me on Instagram @mindfullychioma

Visit my website: The Mindful Bookkeeper

Episode website: Cheers to Your Prosperity

Remember, you have a right to prosper!

Welcome to Cheers to Your Prosperity!

A show where I spill the tea, I mean coffee on what it takes to keep more of your hard-earned money WITHOUT sacrificing the things you love.

We'll talk about how to use the principles of wealth, money mindset, spirituality, and so much more to enhance your financial skillset.

Who am I? I'm your host, Chioma Njoku (pronounced Chee-Ah-Mah En-Joh-Koo). I'm an accountant (for over 18 years) and a financial coach. I've experienced financial rock bottom and have climbed my way out of it. That means I walk my talk and I look forward to helping you walk yours. 

Let's connect on Instagram! My handle is @mindfullychioma

I believe we all have a right to prosper.

Enjoy the show and let's go!

Cheers to your prosperity!