The holidays are here! 

Have you started to plan your holiday spending yet?

Is planning your holiday spending something that you do? 

Let's make the holiday season of 2023 the year that you plan your holiday spending and save your much needed energy. 

The 10 steps to holiday spening are: 

Step 1 : Set Expectations

Step 2 : See how much you have to spend

Step 3: Who do you have to buy for?

Step 4 : Practice Presence over Presents

Step 5: Have Crucial Conversations

Step 6: Determine Needs vs. Wants

Step 7 : Plan shopping the sales

Step 8: Build your holiday spending plan

Step 9: Track your holiday spending

Step 10: Free & inexpensive holiday ideas

Want to do the e-course that walks you through all 10 steps in great detail and gives you a template to plan your spending, track your spending and so much more? 

Check it out here for $37 CAD: 

https://www.lindaparmar.com/holidayspending

Oniomania, also known as compulsive buying disorder or shopping addiction, is a mental health condition characterized by an overwhelming and uncontrollable urge to shop excessively and compulsively.

When you struggle with oniomania you find it hard to control impulses to buy things and usually comes from an emotional need. 

In this episode Linda breaks down what oniomania is and how it can affect your everyday life. 

The next group class for Financial Sobriety School starts on October 16th and is all about breaking the cycle of addictive spending. Perfect for those who struggle with Oniomania. 

Link to sign up for the group class: https://www.lindaparmar.com/breakingfree

When it comes to our spending we often don't even know why we are buying what we are. 

When we are sober spending we are focusing on making mindful, clear, conscious present decisions with our money. 

One question we can ask when we are practicing sober spending is: What am I trying to heal with my spending?

What are you trying to numb out?

What are you trying to escape from?

What are you running away from?

Why are you trying to feel different? 

If we are stuck in an addictive spending cycle we don't even stop and think about this. 

Next time you find yourself on a website, app or in a store and reaching for something you don't need and you don't have the money for it, ask yourself what am I trying ot heal with this spending?

Free workshop being hosted on September 20th @ 4:00 PST/6:00 CST/7:00 EST. 

Here is the link to register: 

https://www.lindaparmar.com/whybehindthebuy

Dopamine is a big word these days. Dopamine has ALOT to do with our behaviours and patterns with money. 

This lesson talks about the how spending, dopamine and our brain are affected by our thoughts and actions when it comes to our money. 

Our brain is absolutely amazing and the neural pathways that are made within it are really driven by dopamine.

Dopamine hits the happiness button in our brain. With spending and hitting that buy now button or pulling out our credit cards we are often hitting that happiness button over and over and over again and that neural pathway is born and our brain loves this new behaviour. 

Our society is so focused on getting dopamine hits and we just keeping wanting more and more. 

Understanding how dopamine and spending are related is really helpful to bring awareness to the behaviours and patterns with your spending. 

New Live classes being held on the last wednesday of every month. Next free class is on August 30th at 4:00 PST/6:00 CST/7:00 EST. Register for the class here: 

https://www.lindaparmar.com/class

Do you struggle with addictive spending?

What is addictive spending? It is patterns of compulsive, impulsive, excessive spending. 

Does this resonate with you? 

Addictive spending is really normal these days. We have been conditioned to buy anything we want. The dopamine hit gets us feeling good and then the behaviour continues. 

We are usually reaching for something to make us happy. We are chasing happiness in our purchases. 

In today's lesson Linda walks you through step by step how to break free from addictive spending.

Live class to identify your spending triggers is on August 30th at 4:00 PST/6:00 CST/7:00 EST.

Sign up right here: https://www.lindaparmar.com/class

Lesson 13 is all about the final foundation of Financial Sobriety School - Financial Sobriety Strategy. 

Throughout all the previous lessons you have found what you needed to be able to get all the information together to make your Financial Sobriety Strategy.

Overall what the strategy is about is creating a plan for your money. Money LOVES us to be specific about what we expect from it. This includes how much we will put in savings, debt repayment, expenses etc. It also incorporates the tools and the systems that you will use to create you strategy like tracking your spending, auto transfers, pre authorized bill payments etc. 

In this lesson Linda will walk you through how to bring your Financial Sobriety Strategy to life and have a clear picture of what you are going to be doing for your money. 

So excited to get CLEAR and sober about your Financial Sobriety! 

Lesson 12 is focusing on the 6th foundation of Financial Sobriety School - Surviving to Thriving. 

This episode is an invitation to drop into your heart and start to move the dial from being in survival mode with your money to start to repair your relationship with money and thriving. 

Here are the journal prompts that Linda gives in the lesson: 

How do I feel about my money?

How do I show up for my money?

How do I want to show up for my money?

What current habits do I have with money that are working for me?

What am I grateful for with my money?

What am I agraid of with my money?

What are 2 small but significant steps can I take to thrive with my money?

Linda answers why these questions are important for healing and also gives you her top tips to start to move the dial from surviving to thriving. 

Foundation 5 of Financial Sobriety School is - Financial Literacy. 

In the last lesson we talked about your Financial Inventory and started to really look at your numbers, your expenses, your savings, your debt. Now what? This is where Financial Literacy comes into place. 

Financial literacy refers to the knowledge and understanding of various financial concepts and skills that are there to help support you to make informed and effective decisions regarding yourpersonal finances. It includes many topics such as budgeting (savings plan), saving, investing, borrowing, and managing money effectively.

In Lesson 11 Linda goes through the Financial Literacy that will help support your Financial Sobriety. 

Lesson 10 is alllll about looking at your money. The actual numbers. Yes, that is part of your Financial Sobriety! 

Financial Inventory is the 3rd foundation of Financial Sobriety School. 

Grab your free template here for your Financial Inventory: https://www.lindaparmar.com/financialinventory

Have your login information ready for your bank accounts, credit cards, investments, mortgage etc; or paper statements if you don't have online access. 

Putting together your financial inventory you will have all the information in one place listing your bank accounts, expenses (fixed and variable), income, savings accounts, investment accounts, credit cards, mortgages, line of credit and other debt accounts. 

Linda walks you through how to gather this information and what it all means for your Financial Sobriety. 

Your financial inventory is you collecting information. We have so many emotions come up with our money, remember you are just collecting information to work on your Financial Sobriety.

It is so important for us to have tools in our toolbox when it comes to Financial Sobriety. 

Financial Sobriety Tools is the second foundation of Financial Sobriety School. 

What are some tools you can think of that will help support you and your money? 

In this lesson Linda gives some examples of tools that you can put into your Financial Sobriety toolbox for you to reach for when you need support.