Financial Karma | Money Management | Mindfulness | Mindset | Holistic Financial Advice |

Risk and failure are ingredients in having a more balanced approach to living. If we are living in reality, risk and failure will be a steady visitor in your life!

By living through trauma, you can actually increase your resilience. The point is that you have to be willing to take a risk. It's hard putting yourself out there at first, but the more you do it, the more your comfort zone expands. You have to be kind enough to yourself to allow baby steps. News flash, you will experience failure, whether you decide to take a risk or not. So if it's inevitable anyway, you may as well plan on taking risks that guide your ship in the direction you want to go. Then when you fail, you will still be moving closer to your ideal life. You have no idea how much you will benefit fro a failure until you get to the other side of it. The fear of fear is actually harder than the actual failure you will go through!

I was vaccinated with a Victrola needle! I've always been very verbal and very chatty! I've gone through my entire life having a sense that I was never being listened to. I wasn't feeling validated. It took me a long time to realize that this feeling was coming from me internally, and not from other people. When you grow up this way, you end up presenting yourself in a way that basically says "I'm not worth listening to." The most important lesson you can learn is that there is work for you to do on yourself to step into a place where you can be heard and validated.

I was not a good listener at a point in my life. I wanted to show up as my best self, but I couldn't because I wasn't a good listener. I still have times where I am not a good listener. Years ago when I decided to do the work I needed to on myself, I went to a 12 step program. I learned to listen because I had no choice.

4 Things to Remember About Listening:

1. It gives you a chance to practice patience.
2. It teaches you about compassion.
3. It gives you the ability to compromise.
4. It will help you learn.

Today we are talking about the Grit habit. I love Angela Duckworth's test to see how gritty you are! You can score from 1-5, and see where you rank on the scale.

I've realized over time that grit is sort of a learned behavior. I am an example of that. I have had to step up my grit over the last several years because I wanted to be happy.

3 things come to mind to make you more gritty:

1. The never give up habit - I have to tell myself this almost every day at some point. It's a repeated habit that is now ingrained in me.
2. Make friends - put yourself out there in your community. I have friends in unusual places and they enrich my life and make it more full.

Self-care is important.

In this series of FB live posts, I'm sharing some things that are coming up with me on a day to day basis. I had an experience with my local CVS pharmacy that resembled bullying. I've learned from being bullied that it is not ok, and I also determine that I need to take my power back anytime this happens and I will not be a victim.

My advice is never to cry in front of men because we don't want to be perceived as being weak. Many times we just need to feel heard, and when we are not being heard, our feelings get hurt.

Sometimes others have a different agenda than we do. You may not associate bullying with your finances. In a patriarchic society, that's one of the main control mechanisms that is used against women.

Listen to this episode as we talk about how money can be used against us in a power play. This is bullying and it's not ok.

In this day and age, I think we all use technology way more than we ever imagined. You don't have to do everything and you don't have to let the technology drive you crazy! Today I wanted to give you 6 apps and tools you can use to make your life easier. Tech overwhelm can become a thing of the past. It's more important to work on yourself and then use technology to support the aspects of your life that you are improving!

For productivity - To-Doist

For social media - I only focus on FB and Twitter and I use Meet Edgar

For Record Keeping - Less Accounting - a creative recommended it to me!

For Creativity - Canva and Word Swag

For Concentration - Focus at Will

For Scheduling - eventually I will be moving to an app besides my Google Calendar

In today's episode, Deb shares her practice of doing walking meditations. The reason that Deb does a walking meditation is so that she can keep her practice of meditation. As busy as life is, Deb knows herself well enough that she must set up herself for success and make things easy to incorporate into her schedule, or else she will simply not do it.

Deb gives a shout out to her meditation coach, Joe Somodi of www.2020yoga.com for helping her achieve her daily meditation practice. Deb shares how she conducts her walking meditation, and how she made this practice work for her.

Join your Financial Karma Coach, Deb Williams as she challenges herself to a daily FB live video, while muddling through tax season!

For the next couple of weeks, Deb is choosing a word each day to focus on and today's word is GRATITUDE!

So many people have praised how a daily gratitude practice can change your life and your outlook. Today Deb shares her gratitude and also shares a moment where she failed to follow through on her part of the bargain. Don't let your slip ups keep you from getting on board. Let's focus on gratitude today!

Deb Williams, CPA and Financial Coach, is on a mission to educate women about finance and money mindset. (Although she does love having the support of men as well!) Listen in today and find out how you can create a budget, easily and without stress and why it's so important for you to do that.

In the first part of today's show, Deb tells a touching story about her aging mom, who has Alzheimer's. It's a story demonstrating the use of an alternative approach, which, according to Deb, is essential in today's world. She explains that being prepared to allow for alternative ways of doing things demonstrates a growth mindset, rather than a fixed one, which is helpful for you to rewire your brain. She also expresses her view that the current President doesn't know the skills of diplomacy and inclusiveness, or of running a Federal Government- which is different to running a private company and until she knows that he's capable of pulling it together, she intends speaking out when necessary. She encourages you to speak out too but she reminds you to do this with facts and research- not as a reaction to an event.

In the second part of today's show, Deb talks about the ins and outs of budgeting and why it's essential for you to get the basics in line. She explains that it's important for you to plan things out, in order to feel a measure of control over your life now and in the future. Listen in today and discover the importance of having a solid budget and financial plan and find out how to go about the often daunting task of planning your budget, with ease.

Today, Deb discusses:

• How you can gain financially through taking a fresh perspective when listening to people with different viewpoints.
• The importance of knowing the difference between someone's viewpoint and the facts.
• Why it's necessary to be clear about where you're going in life.
• That preparing a budget is not complicated- it's do-able if you can add and subtract.
• The idea of having a budget as part of a roadmap to your plans.
• If you don't know where you are at now, you're not going to be able to plan your future.
• Her own success, due to believing in herself, her talents and skills- and putting them to good use.
• Setting aside the time to budget.
• Rewarding yourself- a little trick to get things done.
• Keeping your mindset positive while preparing your budget.
• An app to help you focus.

Links:

Deb's Facebook Group: Financial Karma

Deb's website: www.financialkarmacoach.com

Resources:

Deb recommends: www.focusatwill.com

Today, Deb focuses on the new year and what it could bring. She records her first show for this year while walking through the streets of Washington DC and urges you to think in terms of becoming more active with what you can control, outside in the world.

Deb talks about two things on today's show. First, a small thing that you can do to take responsibility, have more say and get your voice heard out there. Second, she offers you an action plan for your finances, by giving you 2 assignments to help you budget more effectively. Listen in and learn from Deb how you can increase your financial health and also take a more active role in decisions affecting the nation.

Today, Deb talks about:

• The various people being assembled due to a new administration and how you can take more responsibility in that area.
• How the decisions made by the people in administration will affect you.
• Deb urges you to call your political representative and tell them how you feel about the people being appointed to cabinet.
• She explains exactly how you can contact your political representative.
• The 2 assignments, which go hand in hand.
• How you can learn to value yourself without regard to money.
• Changing your habits being a huge part of changing the framework of your life.
• How to contact US Capital.

Links:

Deb's website: www.financialkarmacoach.com (For The Money Quiz)

Deb's email: [email protected]

Deb's Facebook Group: Financial Karma

To call US Capital: 202 225 3121

Are you held back in business by negative ideas? Would you like to learn how to really think big? Then join Deb Williams, CPA, Financial Coach and host of Financial Karma, on today's show as she talks to her guest, Paula Hope, about her first book, Stop The Saboteurs and also about how you can master your thoughts and create the revenue you deserve.

Paula, a 'magnificent manifestor' with more than thirty years of experience in the field, describes herself as a person who helps business professionals create the revenue they deserve. She speaks, writes, trains and coaches business professionals to conquer their saboteurs, by growing their networking, referral, building and sales process skills. She's an expert on referral marketing and strategic networking and owns a business called Booked Solid. She applies her decades of experience in offering solutions to self-destructive fear and self-limiting behaviours that can impede your success.

Join Deb and Paula today, as they talk about:

• Paula's background and how she got to where she is today.
• Sales not generally being respected as a career.
• How your revenue as a business owner is tied into how you feel about yourself in that role.
• Her book being a business development book rather than a self-help book.
• Paula's concept of negative thoughts as 'saboteurs'.
• What makes new small business owners vulnerable to negative ideas.
• The self-assessment process in Paula's book.
• Honoring what you do in business.
• Busting myths about money.
• Feeling the joy and thinking big- to trick your brain and change your mindset.
• How your self-esteem affects your value in your business.
• How we tend to underestimate our talents, because they make things seem easy.
• You don't have to be your history.
• Watch your words- they could reflect a belief that you don't even hold.
• People think in symbols.
• Paula's favourite strategies for success.

Links:

Paula's email: [email protected]

Paula on Linkedin: Paula Hope

Deb's website: www.finanialkarmacoach.com

Deb's Facebook group: Financial Karma

Deb's email: [email protected]