Where I Came From

Where I Came From
I strugged on what to share next. But I wanted to take a moment and share with you how far I've come and what I have been through.

My family has always been below average income. We struggled thoughout my childhood. When I wanted something, I didn't always get it and when I needed something we tried to figure out how it would be possible.

So, when I hit my teens I started working. First it was a paper route, then multiple routes, then fast food. 

If I wanted something or needed something it became my responsiblity to pay for it. And thus started what I refer to as the 'little red notebook.'

This terrible notebook was what I owed my mom and step-dad. My mom fought it, but my step-dad won. Anything they paid for was written in this book and I was responsible for paying it back. I paid what I could, saved half my income and was left with pennies to spend on what I needed for those two weeks. Not only that, but I was paying rent to live at home. 

University became my responsibility too, with no money available for that. By the time I finished university I was in so much debt I didn't know what I would do. I owed $40,000 in student loans, $5,000 in credit card fees, and $10,000 to the 'little red notebook.'

Luckily I had amazing opportunities in my post secondary education --I worked for the federal government in three different departments in three diferent summers! As a political science student I was in my glory!! Furthermore, that led into the most amazing opportunity working for a Minister of the Crown right out of university. 

It was a decent paying job, but because of taxes and my debt I had little left to play with. 

So I developed a strategy as seen in my book "When You're Down to Your Last Dollar: A Simple Debt Reduction Stratgey" to tackle my debt and pay it off fast.

Working with the federal government did not allow me to work additional jobs due to the Accountability Act that was instated, but that was okay as I really didn't have the time! :)  So, I needed to account for my money in the best way possible and that I did. In five years, I paid it all off! And boy did it feel good. 

Unfortunately, my story doesn't end there. 

With the money I saved in Ottawa (the capital of Canada, where I worked for the federal govenment) allowed me to move back home to be closer to family and purchase a small townhouse. 

But then sh*t hit the fan. 

I suffered 6 concussions in 6 years and had to stop working.


My beautiful emergency fund took a hit and eventually I was living month to month on my credit cards. 

Luckily I had my house and was able to utilize some equity to take out lower interest rate loans to cover my mistakes and clean that up. 

Now, I am on the journey to debt freedom again and I know I will achieve it. This time taking my mom with me. 

Join me in Healthy and Financially Empowered Women Facebook Group to see my tips and tricks to tackling huge amounts of debt and having fun in the process! 

How NOT to go BROKE This Holiday Season

How NOT to go BROKE This Holiday Season
The holiday season is one of my favourite times of the year. But don't know know, all that magic means that I am prone to spending way more of my budget than I want! 

These few steps will help you not go broke this holiday season! 

  1. Create a Budget
    1. Set a spending limit on each aspect of Christmas (decorations, tree, food, gifts, etc.)
    2. Make a List and Check it Twice for all the items you want to purchase for the Holidays
    3. Add up what you have already spent and deduct from your budget
    4. Track your spending
    5. When you hit your target, you have hit your end of spending
  2. Follow Through
    1. This is easier said than done
    2. Make sure you follow through on your spending limits so that January isn’t so hard
    3. Make a promise to yourself that you will stop when you reached your limit
  3. Shop Early and Not Often
    1. Don’t go out if you don’t have a plan
    2. Without a plan you will spend more than you want
    3. Shop around as early as you can to ensure you are not emotionally purchasing right before the Holidays
    4. Stop shopping once you either a) got all you wanted or b) hit your limit
  4. Shop Around for the Best Deals
    1. Do research for the best deals before you go out to shop
    2. The internet is our friend and will tell you where to get the best deals for the items we want
    3. Use Honey for discounts codes to all your favourite retailers (joinhoney.com/ref/4xzu7w) *referral code!
    4. Use Swagbucks for online shopping too ---get points to redeem for gift cards (https://www.swagbucks.com/profile/smohlman) *referral code!
  5. Believe that this year is going to be different
    1. Know that you are doing your best no matter what happens
    2. If you believe that this year is going to be different, then it will!

PS Join this amazing group of women who are owning their health and wellness here

Mindset Matters

Mindset Matters
Whether you are trying to live a healthy life or a financially empowered on (or both!), you really need to start off with checking your mindset. 

Your mindset will determine whether you will fail or succeed in your prusuits to being a more well-rounded person. Without a positive mindset, you will face many difficulties and enevitablly fail. This is not because you want to fail, rather because you think you will fail. 

So if thinking negatively about something can cause you to fail or stumble, then how can you get a postive mindset?

By simply changing the way you think.

One of the best and most cost efficient methods is the rubber band method. 

You take a rubber band and place it on your wrist. Every time you notice a negative thought, you pull the band and release. That small shock of when the rubber band hits your wrist will remind you to 'snap' out of it and think more positively. Eventually, you won't even need to pull on the band --just noticing it will remind you. 

Checking your mindset before you try to evolve is vital for success and I know you will be successful in whatever you choose to do. 

Are you looking to be an inspired healthy and wealthy woman? Then join my group here!

I Wrote a BOOK!

I Wrote a BOOK!
Hey Friends!

I cannot believe I am even saying this but I wrote a book!

It's called "Down to Your Last Dollar: A Simple Debt Reduction Strategy that Works!" and it is all about my post university years paying down my debt.

I explain my strategic approach to paying off $55,000 in five years without increasing my income as I was in a job where it was against the law to have a second source of income. It was my dream job, which is why I found alternate ways on cutting my budget than the typical one that is make more money. 

I worked through how I cut where I could and budgetted on things that were important to me. 

This isn't one of those financial stratgies that say you can never have your coffee out, rather one that confronts the thought that you need some flexibility in your budget in order to succeed. 

I would be honoured for you to join me on this debt reduction journey!

You can get your copy here: https://amzn.to/3ii8VsT

(that's my affiliate link!)

Much love to everyone, 


PS. Interested in joining a vibrant group of women who are getting their life together? Join here!

How I Accidentally Saved Over $4,000 in ONE YEAR!

How I Accidentally Saved Over $4,000 in ONE YEAR!
I did a one year $5 challenge last year where I saved every $5 bill I received for the entire year.

It was challenging in the sense that $5 is a fair amount of money, but the outcome drew me into participating. I saved that money for my vacation fund which ended up being over $4,000 from January 1st to December 31st.

I was inspired by a change challenge that I read on the internet of someone saving all of thier change for the year. I thought I would try it with $5 bills and I have to say this was a great use of my money!

I think that determining a fun use for your savings helps it grow faster than not. It gives you motivation to keep saving as opposed to not having it.

Guys, this is amazing and I will be doing it again next year.

Join me here to learn more about becoming both HEALTHY and WEALTHY!!!
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