Francine Dick joins me on the podcast today to talk about her book - Enjoy your latte - A financial advisor’s simple guide to Canadian money basics and designing a better life. 

In this episode Francine talks about her experience on her own experience as a sole support mom of three children, she explains how to budget, saving money, making life changes, preparing for retirement, estate planning, and much more. 

Francine brings expertise of Canadian finances but we also talk about the US equivalents and overall financial literacy to help you build a healthy relationship with your money. 

To order Francine’s book please do so here: 

https://enjoyyourlatte.ca/the-book/

Here is Francine’s website where you can learn more about her and book a consultation if you would like to talk to her about your money: 

https://www.askfrancine.ca

It's the most wonderful time of the year, or is it? 

The holidays are coming in fast and the marketing emails and marketing has already kicked up. 

This week’s lesson we talk about the guide that I created to help you navigate your Financial Sobriety during the holidays. 

Some key things I explain to help support you is: 

- Give yourself permission to keep it simple

- Set financial boundaries

- Focus on self compassion

- Get clear on how you want to FEEL

- Create a holiday spending plan

You can download the guide on my website here: 

https://www.lindaparmar.com

I am also hosting a holiday spending support group this year! We start meeting on November 18th - December 13th, all the info here: 

https://www.lindaparmar.com/holidayspendingsupportgroup

Happy planning! 

Experiencing a financial blackout these days in our instant gratification society is something that is actually quite normal.

A financial blackout is similar to a blackout someone might experience with alcohol or drugs, but in the context of money.

It's a state where you lose control or awareness of your financial decisions—spending or making financial decisions without fully being conscious and present of the consequences until you "come to" and realize the damage.

Is this something you have experienced? In this lesson I walk you through what you might experience in a financial blackout and the tools to use to help support you through it and come out the other side.

Have you been asking yourself if loan consolidation might be something you want to do with your debt?

In this episode I walk you through the questions to ask yourself before you follow through with a loan consolidation application or a balance transfer with your credit card company. 

When it comes down to it loan consolidations can be a great way to make your payments more realistic but is it the best thing for you? 

There are many things to consider when getting a loan consolidation and I give you all the information you need. 

I also introduce you to the "Prince Charming Effect" of what loan consolidations do for us and it's one of the most important pieces of thinking through if you are trying to be rescued or not. 

You will get all the info you need to consolidate or not consolidate! 

If you struggle with perimenopause and you saw the title of this lesson it may feel like a bit of a warm hug, but in saying that you don't want a warm hug cause the hot flashes have taken over, but you get what I mean. 

I am talking about what alot of peeps aren't talking about, perimenopause. 

Perimenopause has really affected my Financial Sobriety. 

With the mood swings, hot flashes, feeling completely on edge my spending can be affected at times. The thing that has affected it the most is the cost of perimenopause. 

Our system is so broken when it comes to women seeking help as we struggle with perimenopause. 

Paying out of pocket is the only way I was going to get anybody to even take me seriously (and I live in Canada. 

This weeks lesson I talk all about how it affected me and some tips for how to navigate this LOOOOONNNNNNG season of your life. 

Here is the link to the sober spending course I refer to in the episode:

https://www.lindaparmar.com/soberspending

Guest episode - Jake! 

Jake is joining us from Ottawa Ontario to share his journey that he has had with his money. 

Jake's story really spoke to me as the things he has dealt with in his life so far and focusing on his money has been something he keeps coming back to. 

He shares his journey of being in recovery from cannabis use, ADHD and bipolar disorder. This journey brings him through many ups and downs and his story is really inspiring.

Jake is also a trans male and I admire him so much to step into his truth and how he navigated his finances during this time. 

Enjoy the guest episode! 

Lee is joining us as a guest on the pod today from Brisbane Australia. 

It always excites me so much when I get to hear stories of recovery and money in countries all over the world as I am in Canada. 

Lee shares her journey of her recovery and going through a divorce and how this has impacted her money and focusing on next steps to move into Financial Sobriety. 

One thing that I really admire about Lee's story is how much work she has done on her recovery and how she is now ready to start her Financial Sobriety and explaining how she has been able to get to this place. 

If you are looking to be a guest on the pod please feel free to email me at [email protected]

Summer Series is back with a guest episode ☀️

Tami from Seattle joins us today to share her story with the work on her Financial Sobriety. 

Tami has done SO much work on healing her relationship with debt and overall spending. 

If you need some inspiration on what making peace with debt, this episode is for you. 

Such an honour to have Tami on the podcast and share her hope and inspiration with her Financial Sobriety. 

Summer is here and guest episodes are back! 

Our first guest to share their story is Jenn. 

Jenn is a client who I worked very closely with the last few years and I am so excited that she is our first guest as her story is SO POWERFUL. 

When I think of someone who has been extremely dedicated to her journey with money I think of Jenn immediately. She remained so committed and accountable to her journey with money and most of all when things felt hard she kept going.

Giving voices to you and supporting you and your Financial Sobriety is an honour. If you would like to be on the show please email me at [email protected]

Consumerism and Capitalism are words that are referred to a lot in conversation in our world, but understanding it can feel overwhelming. Breaking it down into bite sized pieces was something that I wanted to do. Being armed with information about our money is SO powerful and helps us make decisions with our money and practice our Financial Sobriety. 

Unfortunately Consumerism and Capitalism is something we deal with daily.

The world we live in today is full of racism, sexism, colonialism, elitism, anti semitism, ableism and SO MUCH more. A lot of these movements are driven primarily by capitalism. It actually feels really hard to write this as I know I am a privileged white woman who is in recovery from many things.

We are in recovery from capitalism and consumerism. 

This weeks lesson will give you more insight into what this means for you and your Financial Sobriety.