Shel helps female business owners craft their proprietary money maker, whilst infusing intentionality and structure so they can build their legacy, without burning out!

I was so excited to speak to Shel as she’s a fellow Gemini (it’s my birthday on Tuesday and hers on Monday!) and she’s an INCREDIBLE business coach!

Forgive yourself for whatever season you’re in, maybe you’ll have a season where you’re hustling and super busy; and then another season where you need to take a step back and have a rest.

Shel actually shattered her elbow and was forced to heal it for 2 years; but she didn’t let it hold her back! She used the time to build a website and start her business. The universe is always serving us what we want and need, sometimes when we don’t even know we want or need it ourselves, and it can be “good” or “bad”. Although there really isn’t such thing as “good” or “bad”; it’s the meaning we give to it. This healing time gave Shel the opportunity to start the business of her dreams! How’s that for turning a “negative” instead a “positive”?!

Shel started journaling to get her through the experience, she called it her “can do journal” and wrote in there whatever she “could do”, she would then pick one of the things she “could do” to move her forward without feeling too much pressure.

Whenever you face a challenge, ask your highest self what she would do. Ask yourself, what is my minimal viable output? What do I feel good about doing each day? What is the one thing I want to do? Who am I committing to be today?

Niching down might not be the best thing for your business…

There’s always one way of doing something. Don’t let your fear of not having a niche hold you back from taking action.

Just show up as you are and you will attract the right people who are meant to read your message. 

At this point, niches are becoming over-saturated anyway!

Instead of meeting your audience where they're at, why not challenge them to think differently? Show them something that’s going to transform their life.

Also, how can you know who your niche is if you haven’t even spoken to anyone? You don’t decide who your ideal client is; your ideal client decides if they’re right for you. You can’t identify who your niche is before you put out some sort of messaging, and listen to your intuition to decide what this messaging should be.

Shel recommends to use Instagram “saved collections” where you save the most recent post from the people who follow you to see the consistencies between them and allow this to become your “niche”. Don’t decide on your niche before you’ve explored and tested the market. 

I draw similarities and differences between my clients to get real clarity on who I’m attracting, and then tailor my messaging to these people to attract them.

Always remember that no market is too saturated when you start being yourself. 

The more that people undercharge, the more it becomes the industry standard, and it brings down everyone’s vibrations. Always charge at least 20% more than you think you should!

When you charge more, you don’t need as many clients, so you can give each individual client more attention, focus and value. 

Acknowledge your inner care giver but also remember that you have to take care of yourself first, so raise your vibrations through raising your prices.

Wouldn’t you rather give a nice, warm hug to a few people, or high fives to loads of people?

People who say that “you’re too expensive” or “I can’t afford it” shows you that they’re going to need more mindset work, so increase your prices even more for these clients.

If you see a red flag from a client but you want to work with them, offer them a coaching session to get a taste, and give them value, and then decide if you want to offer them the entire program.

I was super excited to interview Jenna Black on the podcast, as I’ve been listening to her podcast “The Jenna Black Show” for about a year, and am OBSESSED with it!

Jenna actually inspired me to become a money mindset coach and start a podcast myself, so I have a lot to thank her for.

Journaling is really powerful to allow us to dive into our money blueprint. Your money blueprint is made up of your beliefs about money, and these beliefs are instilled in us aged 1-7, as this is when we're absorbing everything our parents say, including about money. 

The way we interact with money is dictated by our beliefs, which most of the time aren't even ours. So it's up to us to create our own beliefs that are true to us about money.

Jenna had the belief that "I have to work hard to earn money", and I had the same belief, because our parents and ancestors have all had to work hard to make a living.

But there's so much power in saying "the cycle will end with me" or "I return this belief that's not mine back to origin, with consciousness and love", which will stop that belief from being passed down to future generations.

Jenna also recommends to re-write your reality through writing affirmations as if they've already come into fruition (in the past tense). This will reinforce those new beliefs in your subconscious mind, raise your vibration, and over time, you will feel and believe that your new beliefs are your truth. Your subconscious mind accepts what you tell it, so the more you reinforce our new belief, the more it becomes your new truth.

As women, we struggle to put ourselves first and ask for the money we want. Women also typically get more emotional about money than men, as our feminine energy and emotions comes into play.

Anytime you have a block about money, such as struggling to ask for money or having guilt about spending, ask your subconscious mind (through journaling) where this block is coming from. Did it come from a parent? Or from society more generally?

When it comes to pricing, Jenna recommends to not compare your pricing to your competitor's, as it'll take you away from your intuition. If you have any resentment towards your pricing, and you feel like it's not a fair energy exchange, that's your intuition telling you that it's time to increase your prices.

If you're wanting to increase your prices, give yourself the space to listen to your intuition and listen to that whisper telling you how much you should charge. Visualising the impact you'll add to your client's lives (for years to come) will help you to realise the value that you're adding, encourage you to charge more, and you'll feel confident charging more! Just say the price, and detach the emotion.

It's not our job to assume how much money people have to spend or whether they're ready to invest or not. If somebody wants to invest in you, they will make it happen. So remember to stand your ground and be really anchored in your power and value.

It doesn't matter how much experience you have in your profession; you have a life's worth of valuable experience, and you are your own testimonial!

With sales, instead of coming from a place of fear or scarcity, remind yourself that you won't be for everyone and you don't need to "convince" people. Believe that your clients are intuitively attracted to you, it may take them a while to reach out but they'll get in contact when they're ready.

If you're not sure whether to invest in a coach, look for a sign from the universe. Jenna asked to see an orange bird and saw a graffiti'd orange bird on a skatepark where she lives in Sydney, and so invested in the coach.

Remember that the scariest part is before you do the thing but once you've actually done i

I’m super excited to announce that I’ve gone international with the podcast for the very first time!

Marjolein is a Money Coach from The Netherlands and is the founder of Intentional Millennial. 

Marjolein helps time-poor Gen Y and Gen Z women to create SIMPLE financial freedom strategies. She also helps them to get ahead financially without sacrificing what they love! 

In the episode, we spoke about how to change your mindset around money, how to take control of your finances and how to live a fulfilled life whilst saving.

The common question Marjolein gets asked is how to manage your money, especially from people who earn a good income but have no idea where their money is going.

So many of us are living from paycheque to paycheque. Being intentional with our money would mean we have more money at the end of our month; as opposed to more month at the end of our money! 

Money gives us choices, and it’s up to us to decide how to spend it. Is what you’re spending money on in line with what you want in life? Remember that money is a tool; not a goal. It’s not a bad thing to spend money, but it’s about prioritising what you spend your money on. 

It’ll be far less painless to eliminate spending money on things you don’t really want, rather than going cold turkey and not spending money on yourself at all. Give yourself the best chance of progress to prevent relapsing!

Ask yourself, what is it you really care about? What could you sacrifice without missing it too much?

Anything you buy, invest or spend money on, make sure you enjoy it to its fullest! Otherwise what's the point?! If you have guilt and remorse, lean into this and ask yourself, "why am I feeling this way?".

You don't need to buy things to fit in with the status quo. Instead, spend money on things that YOU enjoy! Not everyone gets the same value from the same purchase anyway.

Become aware of the motive behind your purchasing, is it for external validation? Is it to fill a void? Could that void be filled by doing something that doesn't cost money?

You don't need to become obsessed with your financial situation, Marjolein recommends to set it and forget it. Once a year, she sets a yearly budget and splits her money into different bank accounts, which ensures that she stays on track.

If your grocery bill has gone through the roof during this time, like it has for Marjolein and I, stick to a list of your regular food items. 

Also, don't get tempted by discounted items as if you bought something you didn't need, you didn't actually save any money, you spent money!

If you're getting inundated with emails from clothing, food or homeware companies, or even coaches and gurus offering their amazing programs, unsubscribe so you don't get tempted! 

When setting financial goals, think about why you want a certain amount of money. The motive behind it is probably the lifestyle it'll provide rather than the actual money, because money is just paper. So ask yourself, could I tap into that lifestyle today? If it's freedom that you want, I'm pretty sure you could tap into this today, even in a really small way.

Surround yourself with people who have a similar budget, not income!

Podcast recommendations –

Journey To Launch

Positivity and Prosperity

Book recommendation –

Your Money Or Your Life

Mindful Money

Start Now, Get Perfect Later

My beautiful client Elin started her 18 year journey in self-employment back in 2002 when she was made redundant and actually pregnant with her 1st child!

She felt extremely creative whilst pregnant and started doing graphic designs on t-shirts. People then started complimenting the t-shirt designs, which was her first business: "Funky Mama".

She then went through a divorce part way through this business, and as a result has built up resilience and tenacity to overcome anything that life throws at her. Elin says that whenever you get rejected, remind yourself that there are better things to come.

She also says that if you're going to become an entrepreneur, you've got to do something you're passionate about, which is why she founded Norsk Nordic Walking through her love for health and fitness.

Elin then later moved to Spain because she wanted to live in a sunny location. This is why entrepreneurship is so incredible, as it gives you the opportunity to work from anywhere in the world!

Before moving to Spain, Elin cut down all her expenses, such as subscriptions and didn't buy herself any non-essentials, as she was so committed to achieving her dream of moving to Spain. She also wanted to have the reassurance that she could support herself when she arrived in Spain.

It all started with a vision board and a 90 day plan, and then she was in Spain! Elin recommends sticking to a 90 day plan for anything in life, as with discipline and commitment, you can achieve anything you want!

Elin suggests that you have to have true clarity on what you want in order to create a vision board. DREAM BIG! Imagine if money was no object and you could have whatever you wanted, what would you put on there? Where do you want to travel to? Where do you want to live? What sort of person do you want to be?

Put your A2 vision board where you can see it every day, and look at it every morning or evening, and notice what is coming into fruition.

You shouldn't put a time limit on your vision board as you manifest what you want when you detach from the outcome, and release all expectations. Trust in the universe that it will deliver you what you want, you can even say: "I release this to the universe and trust that it will deliver it to me in divine timing". Sometimes the universe brings to you what you want in weird and mysterious ways, and also when you least expect it!

Sometimes the universe even brings you what you didn't think you wanted or needed, but what it delivered you was actually perfect for you at that time. The way the universe works is that when you become so attached to the outcome and expectations, it just gives up and leaves it to you to sort out. That's why detachment is so important. Also, the clearer you are on what you want, the more likely the universe is to deliver you what you want.

You also have to be aware of your thoughts because when you say you "don't want" something, the subconscious mind doesn't hear "don't", it just hears "want". So by saying you "don't want" something, you're actually inviting what you don't want into your life.

In terms of money mindset, Elin recommends to charge you're actually worth; rather what you think you're worth, which takes a lot of awareness.

You can really do anything you set your mind to, become the person you want to be, and live the life of your dreams! As entrepreneurs, we can literally create our own reality and also create our own career if it doesn't exist already!

Have a strong belief in yourself and never let anyone stop you for pursuing your dreams. You are good enough as you are and you deserve to live a fulfilling life.

If you've got 2 choices in life, pick the harder one as that will be what you need.

Elin's first book will be coming out this year: "I'm not here to be average. I'm here t

In this episode, we spoke all about figuring out your vision, how to be more mindful and kinder to yourself, and how to live life on YOUR terms.

Christina has been on a 10 year journey of self-discovery to find out what her vision is, and says you shouldn't worry if you haven't got it all figured out. Forgive yourself for not having your vision figured out yet, and give yourself some space to connect with your higher self. Also, notice the things that really light you up and spark joy, and journal these down.

It’s also incredibly important to be mindful of your "inner critic" and inner dialogue. How are you speaking to yourself? Is this how you'd talk to your best friend or loved one? Once you're aware of these thoughts, use Emotional Freedom Technique to release these thoughts, and speak to somebody about how you're feeling.

Don't be afraid or ashamed of your journey and your emotions. Whenever it's your time to shine and roar, take it, because it's your time. Never be somebody you're not, always be yourself! Only change for yourself; don’t change for anybody else. If you're not happy, it's probably because you're not being your most authentic self, at work, in your relationships, with your family and friends etc.

Our thoughts are justified by our beliefs, and a lot of our beliefs are only there to keep us safe, which means they’re stopping us from thriving. Most of our beliefs aren’t even ours, they could be our parents, or evolutionary, so pay attention to your thoughts, because they will be dictated by your beliefs. We are vibrational beings and whatever we feed ourselves, we vibrate and circulate around our body.

Christina says the reason why women don’t typically make the income they want to make is because we don’t want to offend people. Women have been socialised to not go out and get what they want, and often get called aggressive if they do. Women want to be liked and validated, and having conversations around money is uncomfortable for women, as we’ve been trained to not talk about it. But, we MUST start talking about money and income to change this!

We are breaking the cycle of evolution by talking about money and putting ourselves out there. It’s against our very nature to put ourselves at risk through doing things that scare us, such as going live on social media, or talking about how much we charge. But we MUST get comfortable with the uncomfortable in order to thrive.

Instead of thinking what’s the worst that could happen; think what’s the best that could happen. Ask yourself, what am I giving attention to? When you say “I don’t want to be poor”, your subconscious mind doesn’t hear “don’t”, all it hears is “I want to be poor”. So pay attention to what you’re saying, because you could be inviting more of what you DON’T want into your life.

Book recommendations:

The Power of Now

Podcast recommendations:

Positivity and prosperity podcast

The Teatulia Podcast

Tim Cooper Academy

Jake Woodard - The Awake With Jake Show

Brendon Burchard - The Brendon Show

Oprah - Super Soul Conversations

Lee Harris - Impact the World with Lee Harris

Dr. Adi Jaffe - IGNTD

David Axelrod - The Axe Files with David Axelrod

Renae helps women to master their money mindset, so that they can create true wealth and financial freedom. She helps her clients to understand the world of money, so that they can release their money blocks and limiting beliefs. She also helps them to put systems in place so they can manage their money with ease, and so that they can build wealth on automation, without stress most importantly! 

Renae helps her clients to understand the world of money so that they can release their money blocks and limiting beliefs. She helps them to put systems in place so they can manage their money with ease, and so that they can build wealth on automation, without stress most importantly!

Renae found that LinkedIn was the most useful platform for getting her clients, as you’re actually allowed to sell on LinkedIn, unlike on Facebook groups.

She also says that word of mouth is the number 1 marketing tool when you start out in business, and that you should get as many testimonials as possible. When somebody talks positively about your business or recommends you, it’s because they genuinely like you and there’s no obligation so it’s more authentic. 

Don’t be afraid to show up! If people don’t know you exist then they can’t buy from you!

You have to balance the getting the systems right and getting clients, because if you don’t have clients, then you don’t have a business. So you need to start talking to as many people as possible from the get go.

80% of wealth creation is your mindset, and 20% is your strategy. So cultivate a daily practise and incorporate this into your morning routine. 

For mindset, check out the SAVERS (silence, affirmations, visualisation, exercise, reading and scripting) system in Hal Elrod’s Miracle Morning. Journaling or scripting is super powerful because it brings up beliefs you didn’t even know you had. Once you’ve got the awareness, you can begin to take action. Whatever limiting beliefs come up, Renae uses emotional freedom technique to tap them away, and then self-hypnosis, both of which you can do on your own from YouTube. Your mind is very delicate so ensure that you listen to a hypnosis video from somebody you have a rapport with, as this will dictate if you take action from what they’re saying. 

For strategy, try and automate your money as much as you can, such as saving or investing on a direct debit basis. Also, have a monthly money date where you can enable yourself to feel empowered about your financial situation, through becoming aware of it. Look at your money situation, and ask yourself why you interact with money in the way you do.

View money as a person, you need to show it daily attention, instead of burying your head in the sand.

Find your money guru, who you resonate with. To start, check out Kate Northrup’s “money for me account” to help you save. As well as the “pay yourself first” method, or The Richest Man in Babylon says: “all I own is mine to keep”. 

Whatever message you want to share, there’s somebody out there who needs to hear it, and from YOU, with your energy and your vibe. Stop being so self-critical and having so much self-doubt, and put yourself out there! Share what you want to share without fear of judgement.

FREE ACTION GUIDE: 7 Steps to stock market investing without losing all you have.

Esther is a Law of Attraction leader, spiritual mentor, success coach, and emotional freedom technique healer. Make sure to check out her YouTube channel.

For anybody that doesn't know what the Law of Attraction is, it’s all about like attracting like. The energy you put out is the energy you get back. It’s kind of like karma. For any of you struggling to manifest, it’s probably because you’re feeling the lack of what it is that you want showing up in your life.

The more that we focus on the lack of it, the more we push it further away because you're focusing on the fact that you don't have it. The more you focus on it not being there and use push energy, the more it gets further away from you.

The Law of Attraction isn’t about pretending that everything is positive; it’s about acknowledging the negative and limiting beliefs in order to release them. Emotional freedom technique is a great technique for releasing subconscious resistance, and when we release resistance, we put ourselves in a position to receive what we want.

When we constantly focus on the negative; we communicate to the universe that this is what we want as this is what we’re focussing on. So if you have negative thoughts, then you will be manifesting negative experiences.

People forget that the power is within them; they get frustrated when it’s not working for them, which is counter-productive as they fall into a downwards spiral. They end up self-sabotaging what they want to create. Manifesting what you want is all about feeling good now and being in a state of gratitude. You can’t manifest things of abundance from a place of lack, it’s a total contradiction. 

With affirmations, use ‘bridge statements’, such as “I'm ready to…” instead of “I am”. Here you’re telling the universe that you’re ready to move into higher energy and you're setting an intention. Also, record yourself saying the affirmations and listen to them through headphones on a really low volume when you first wake up and just before you go to sleep. As at a low volume, you will be able to interrupt the subconscious mind and reframe those negative and limiting beliefs.

Be really mindful of what you're giving your attention to and what you're believing. Becoming aware of your negative and limiting money beliefs means you’re half way to finding abundance and prosperity. But don’t fall victim to these beliefs, because feeling like a victim will hold you back from manifesting what you truly want.

We need to be mindful when we’re manifesting that the universe may not deliver what we asked for in the way or time we asked for it. For instance, if you manifest £10k but end up receiving it in portions of £500 over time, you still got £10k but over a period of time, and we have to be grateful for these small wins. 

We also have to manifest from a place of gratitude, when you're grateful for something, you're going to attract more of that or more of things of a similar energy because you're in that positive and abundant state. The Law of Attraction is all about living a positive lifestyle and being the best you can be, even in the worst situations, because what goes down, must come back up. We all deserve to feel happy every day, we weren’t put on this earth to have a rubbish experience, that’s not the purpose of life. We have come to find joy and abundance in everything we experience. 

The Law of Attraction isn’t something to believe in, it’s like the Law of Gravity, it’s around us, we just can’t see it. Whether you want to believe it or not, your beliefs create your thoughts, your thoughts create your behaviours, and your behaviours create your reality. So whatever good or bad things that have happened to you up until this point, you manifested that.

You are literally going to love this episode that I recorded with Girls Guide! It is incredible!!!

We talked all about coping in self-isolation, developing an entrepreneurial mindset, shifting from fear and scarcity to growth, and harnessing personal power.

Girls Guide has been really trying to step up the amount of content they’re producing and treating this time as an opportunity to to tap into things they’ve been avoiding, whether it's bad habits such as negative self-talk, or your health and fitness. This is a chance for us to start taking better care of ourselves, and also to start thinking outside of the box. 

You can use this time to develop a strong relationship with your clients by showing up for them and by offering a solution to the problems they’re dealing with. This will take your clients through the like, know and trust journey, and encourage them to buy from you. Trust is the most important thing in a business relationship. Don’t push for clients; let them come to you naturally.

Mark Zuckerberg, the CEO of Facebook and Instagram, is trying to get the platforms back to what they were created for originally: for people to connect with each other and to build communities. You have to play the game, you can't go against the game because the algorithm will trip you up. The more you connect with others, the more likely the algorithm is to show your post. 

Don't be afraid of failure because it’s an inevitable part of the process. Sarah Blakely, one of the first female billionaires, the CEO and founder of Spanx, grew up with a dad who celebrated failure. Every time her and her little brother came home from school, he would ask them what they failed at that day. if they didn't have anything to say, he would say: “If you didn't fail; it's because you didn’t try hard enough.”

There’s always a space between the stimulus and response. You can’t change a situation; you can only change your response to that situation. Failure is just a learning curve. Successful people aren't standing on a mountain of success; they’re standing on a mountain of failure, and the difference between a winner and a loser is that the winner tries once more. 

Resilience is the most important characteristic and trait you can develop as an entrepreneur. Resilience is like a muscle that you have to work on. Your happiness in life will be dictated by your ability to handle tension.

Make sure to stand your ground when your client challenges your pricing, especially when it gets uncomfortable. You wouldn't settle for a rubbish date; so don't settle for a rubbish client. If you charge below average, your clients might think that your services are below average.

When you're being mean to yourself or your inner critic is speaking out, remind yourself that you'd never speak to your friend like that, or even a stranger. In fact, name your inner critic so that you can disassociate, and say “Thanks (insert name), but I don’t need you right now”.

Agnese helps female entrepreneurs have thriving online businesses without 24/7 time investment.

We live in a hustle mentality where people are expected to work really hard to be successful and have lots of money. This is what Agnese is trying to avoid in her business, and help her clients to actually do less and NOT hustle.

Everyone is busy, busy, busy. So Agnese teaches her clients how to manage their business properly, and to “declutter” from all the distractions so that they can have real focus.

Task jumping is something that we do to “get things done”, but we actually waste up to 23 minutes when we jump from task to task, as our brain needs the time to re-focus. I got this fact from Rob Moore’s “Start Now, Get Perfect Later”, which is the perfect book for you procrastinators and perfectionists out there!

Focus is crucial to productivity, and therefore business success. In simple terms, when you do four things, your focus is split into 4, and therefore you can only focus at 25% on each task.

Agnese agrees that there's a total misconception around multitasking, where we’re often praised for multi-tasking, as if it’s something to be impressed by: “you're amazing because you can type an e mail and answer the phone while talking with a client”. Multi-tasking has often been glorified; much like business, and as something to be worn like a medal. 

This is why so many businesses struggle with burn out and overwhelm as they think they have to be everywhere for everyone. Most of us create a business and leave a 9-5 to have freedom and go for mid-week lunches and coffees; but then we end up working double the hours we worked in our 9-5.  

We think that multi-tasking equals productivity; but it’s actually counter-productive. So bare that in mind next time you jump from writing social-media posts, to doing admin, to doing your accounts, in the same half an hour slot.

On this note, task batching is another extremely effective way to get more done in a shorter period of time. As opposed to jumping from task to task; sticking to one task for as long as 50 minutes, which is what the Pomodoro technique recommends, increases productivity due to being laser-focussed when doing the task.

Starting a business is of course extremely scary, and because of this, we typically operate from a scarcity mindset. We throw everything at our businesses as we want it to work SO badly. We try to be everything for everyone, and as a result are reluctant to find a niche because we want to help everyone, which sounds great but is physically impossible. We also think that in order to make a big impact; we have to invest a lot of time on social-media and stressing ourselves out.

That’s why having clients on automation is so powerful and stress-reducing, because you can earn a passive income from an online course that you created once, but that keeps generating you money as people sign up. Time is our greatest asset and something we can never get back, so if we can utilise our time better and earn a passive income, it’s a win win! Entrepreneurs think they have to compromise on time in order to be successful, but it’s better to compromise with money, such as investing in a coach, as money is something you can get back.

Agnese says that if you're overwhelmed in your business, then you're doing something wrong, and you need to find what that is. You create a business to design your own life, to work on your terms and to have freedom, so why do we allow ourselves to fall into the trap of burn-out and overwhelm?!

Entrepreneurs can also have a fear of routine because they want to get away from their 9-5 routine so desper

Fempire Finance makes finance and money FUN and FEMININE. Typically with finance, you picture a middle aged man with a briefcase; whereas on Fempire Finance, you see Sex & The City memes.

We talk all about how you can actually save money during lockdown as a result of working from home, as there's no urge to buy workwear clothes, no commuting costs, no £3 daily coffees, and no urge to buy overpriced lunches.

Maya recommends if you've been furloughed or if your business has dried up to remember that this is only temporary, and there are always alternative ways to make money, especially online.

She also recommends to look at all the support options you've got, such as a mortgage holiday.

It's also important to view this as an opportunity where/if you can to work ON your business, as opposed to IN your business. As we've never been given this opportunity before, and probably will never be given it again.

It's also important to not pay off your debts now or make any rash decisions at this time; most payments can wait as companies are here to support us.

Saving strategies:

- Round up your purposes, e.g. if you spend £8, put the remaining £2 in your savings jar, and banks like Monzo can do this automatically for you.
- Or, whenever you go to the gym or workout at home in this case, or even do some chores, put a certain amount of money in your savings jar. This will motivate you to not only do the task, but save too, so it's a win win!
- Have saving competitions with your partner, friend, or relative, which makes saving so much more fun! Make the forfeit really bad so you'll do anything to not lose😉

Good debt vs. bad debt

Good debt is a investment into your financial future and should leave you better off in the long run, such as investing in your business. Sometimes a good debt might not repay financially, but repay in your mindset, which to me is far more valuable. I've found this through investing in coaches.

Bad debt is likely to make your financial situation worse in the long run, such as payday loans or luxury holidays.

How to prevent impulse buying:

- Shop with a list.
- Shop with physical cash, not your bank card.
- Think about what you already have.
- Set alerts every time you spend.
- Unsubscribe from store newsletters to take control of your money. I actually did this last year and didn't buy any clothes for the whole year, just from charity shops, which helped not only my bank account, but the planet too!
- Only shop with a clear head, that involves food shopping when you're hungry by the way😉.
- Don't buy something just for the saving if you don't actually need it! So it's best to avoid those reduced aisles or sale/reduction pages!
- Refrain from multi-packs or multi-buys if you don't actually need that much of one item.

I hope you enjoy the episode and let me know your feedback or if you have any questions!

P.S. when you're ready, book in a FREE 1:1 coaching session with me to see if I can help you with any problems you're facing right now.