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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!
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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
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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!
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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]
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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.
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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]
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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.
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Building habits and routine for your Financial Sobriety is such a huge piece of following through with working on your money.
Today I share my routine that helps support my Financial Sobriety.
This routine has taken 7 years to work as a system and it is an ever evolving process, just like my relationship with money.
Here are some of the key pieces of my routine:
1. Create monthly spending plan.
2. Daily planning of my spending and tracking my spending.
3. Money dates/meetings.
4. Not using credit cards.
5. Auto transfers for my savings plan and debt payments.
6. Check-in with my emotions with money and spending.
7. Budgeting for things I want.
8. Celebrate
In this lesson I dive into each piece of my routine and how you can make it work for you.
Here are links to previous lessons where I tell my story about my journey with my Financial Sobriety:
https://podcasts.apple.com/ca/podcast/your-money-your-recovery/id1493570547?i=1000462813534
https://podcasts.apple.com/ca/podcast/your-money-your-recovery/id1493570547?i=1000606259490
Here is a link for a lesson on Money dates/meetings:
https://podcasts.apple.com/ca/podcast/your-money-your-recovery/id1493570547?i=1000536841911
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It’s time to practice some sober spending this summer.
If you are anything like me the summer sun can bring out impulse to spend money.
This summer let’s make it different and practice sober spending under the summer sun.
Sober Spending is one of the 7 foundations of Financial Sobriety School and in this lesson we focus on how to practice it the summer.
In this lesson Linda walks you through the steps to take to ensure that you are setting some financial intentions and following through and feeling proud of yourself when September hits.
New summer school group course starting for Financial Sobriety School on June 9th, all the details for the upcoming 3 month course is here:
https://www.lindaparmar.com/thriving
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Do you think it's possible to save money even when you have debt?
When we are working on our Financial Sobriety it is important to start to change some behaviours.
One of those behaviours can be saving money.
This is often something people talk about is that they really wish they had savings.
Starting the habit of saving, even when you have debt is REALLY important.
If you start to save you won't be reaching for a credit card when an unexpected expense comes up.
Intentionally saving is a habit that you won't be regretting!
Learn the tips and tricks that will support you, your wallet and your Financial Sobriety.
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Spending in sobriety.
Getting sober from your drug of choice is a HUGE milestone in life.
Sobriety is the biggest gift. Financial Sobriety is an even bigger gift.
It is important to balance out our spending when we are working on our Financial Sobriety.
This episode is probably not what you think. This episode talks about how important it is to spend our money in sobriety, with boundaries and a spending plan of course.
If we restrict ourselves to feel like we can't spend anything it will lead to a shopping spree.
Cue the shopaholic!
Learn to enjoy your Financial Sobriety in this weeks lesson.
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This lesson felt hard to record and it may feel very uncomfortable to listen to.
It is also a lesson that is really important to understand.
Financial Infidelity is the topic of this week's lesson.
Overall financial infidelity is explained as when one partner in a relationship hides financial actions, assets, or debts from the other. It can also happen when you are hiding these from yourself.
This topic is something that happens often but it is not something we typically talk about because it is uncomfortable and brings up a lot of different emotions.
In this episode Linda helps you understand what it is and most importantly what to do if it is something that you have experienced or are experiencing.
Be gentle with yourself as you listen to this week's lesson.
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It is extremely common not to be taught about money as a child.
What were you taught about money as a child? What weren't you taught about money as a child?
This is something I hear daily from people and it is often met with a lot of anger and resentment.
Our society as a whole has not been taught a lot about money and in this lesson Linda breaks down how that now can affect you with your relationship with money and your overall financial sobriety.
Sometimes making peace with our past of what we were and weren't taught about money can help support us to break free and start changing our money story.
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The amount we are spending in grocery store and eating in general is at an all time high.
Now is the time, more than ever, that we have to getting clear about our spending.
In Lesson 3 we talked about Sober Spending, if you haven't listened to that lesson go back and listen if you feel called.
Here is the lesson 3 that you can read: https://www.lindaparmar.com/blog/lesson3
In this lesson today Linda breaks down some tips and tricks to be able to focus on planning your spending when it comes to your meals.
These come in the form of planning meals, both ordering out and making meals, planning your week, planning your menu and breaking it all down to create a list to get at the grocery store.
Being clear, mindful and aligned with our spending and coming up with a plan is what this lesson is all about.
Linda touches on some specific websites in this episodes, for links to the sites please find them listed in the blog here:
https://www.lindaparmar.com/blog/lesson22
Happy Planning!
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Have you ever thought about what is going on with your body, mind and spirit affects what is going with your spending and money overall?
You have probably heard people talking about regulating your nervous system.
In this episode Linda helps you understand why what is happening with you physically and mentally is important for your money and your decision making with money.
Linda goes step by step on some tools that you can use to be more present, clear and aligned with the decisions with your money and in your overall life.
If you woud like to see the Window of Regulation tool that is spoken about in this episode please find it in the blog post here:
https://www.lindaparmar.com/blog/lesson21
Use these powerful tools to ground, be present, clear and aligned with what you want to achieve with your Financial Sobriety.
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It's that time of year - GOAL SEASON!
2024 is quickly approaching us 🎉 What do you want to accomplish with your Financial Sobriety in the new year?
In this lesson we talk about getting clear and specific on what we want to do with our money.
While new years resolutions can sometimes be a way people think about money, goals are way more specific and will help you succeed with what you wan to accomplish.
Here are some of the questions that are in the lesson:
What do you want to accomplish with your money in 2024? What is one specific step you can take to do this? What is a specific emotion you want to feel with your money in 2024? What is one specific step you can take to feel this? How will you know when you have achieved your emotional goal? What will you feel has changed for you? How will you know you have achieved your overall goal with money? How will it feel? What is one somatic tool you can use for your money and money mindset? How can you practic sober spending this year?The lesson will give you more details about how to answer these questions and idea's to help you achieve what you want with your Financial Sobriety this year.
There is a free class being held on December 30th @ 10:30 am PST/1:30 pm EST and January 2nd at 4:00 PM PST/7:00 EST. Two different times and dates to attend.
Sign up for the free class Design your 2024 Financial Vision here:
https://www.lindaparmar.com/2024financialvision
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How is the beginning of the holiday season going for you?
How is the spending going?
How are your energy levels?
What do you need right now to have a successful holiday season?
These are just a few of the questions that Linda asks in today's lessons to help you to define some holiday boundaries for you and your Financial Sobriety.
Financial Sobriety isn't always about our money. Financial Sobriety is about taking care of yourself in many different ways so that you can take care of your money.
If you are feeling exhausted often times you will pay no attention to your spending. Everything will feel overwhelming and spending is one of the first things that doesn't get attention.
Here is a gentle reminder to fill your cup up first.
Happy Holidays to you and your loved ones xo
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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
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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
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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
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