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In this episode, we discuss:

Mandyy Thomas is a online financial coach, she helps people who make good money, learn how to manage it better and have more to show for the money they make. She also help health coaches simplify their business finances so they can confidently run a profitable business.

She is not a financial advisor, she doesn’t sell insurance or investments, instead, she helps you to improve your financial situation so you experience less stress and anxiety around your money.

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Episode Transcript:

Welcome to the Healing Uncensored podcast. My name is Sarah Small, and I’m a health and mindset coach for women with autoimmune disease, just like you. I absolutely love helping you tap into your self-healing power, uncover the energetic side of healing and release limiting beliefs around your body and your life. Think of this podcast as everything you wouldn’t hear at your doctor’s office. It’s a place for empowered souls to move beyond food and heal themselves on a soul level. I hope you enjoy today’s episode. Now, let’s begin.

Welcome. Today we’re going to be talking about money. Yes, money. The word, that thing that so many of us are afraid to talk about, or it causes us stress or we just straight-up avoid it. Tag me on Instagram if that’s you, it used to be me too. It’s okay. You’re going to learn so much. In this episode, I have with me online financial coach, Mandyy Thomas. Mandyy helps people who make good money, learn how to manage it better and have more to show for the money that they make.

She also helps health coaches simplify their business finances so they can confidently run profitable businesses. While she’s not a financial advisor and she doesn’t sell insurance or investments. She does improve your financial situation so that you can experience less stress and anxiety around your money. So we’re going to talk about the connection between your financial situation or your perceived financial situation. Which can both be equally as stressful and impactful on your body. And how those affect your mental and physical health. And we’ll talk about how to manifest money into your life. She’s going to give you real tools you can change your mindset around and tools you can do to take action with your money. I cannot wait for you guys to hear this. These are really easy steps to start to overcome your anxiety around money, which I think so many of us struggle with. So let’s dive in.

Sarah: Hi, Mandyy, and welcome to the show. I would love to have you start by sharing your story on how you discovered and realized your anxiety and health problems were linked also to your finances.

Mandyy’s story with anxiety and health issues

Mandyy: Absolutely. Well, for starters, thank you so much for having me. It’s an absolute honor. I’m a listener of your show. So this is amazing. For me growing up, we didn’t have a lot of money, and I didn’t know then that I had anxiety around money. I didn’t realize that until I was in my twenties, but looking back now, all the signs line up. And because we didn’t have very much, I knew that I had to be the person in charge of my money, always. So from a very young age, I was just really, really good at managing it. I didn’t have a lot of positive role models. So I just started to read books.

I managed my money really, really well, but what I struggled with that I didn’t even know at the time, was my mindset around money. When I got into my twenties, I was working as an engineer. I was doing really, really well financially. I had a six-figure income. I had no debt, managed it well, but the interesting part was that was actually my highest point of anxiety around money that I ever had. Because I was living my life as if I was a kid when I was seven years old and worried about having enough money for food and being able to just buy things for school. And I was great at the management side, but my money mindset really didn’t change. It hadn’t evolved. And I didn’t understand at that point, how it was actually affecting me. I was a very science-based person for the vast majority of my life.

I was a very left-sided thinker. So I did not think anything at all, that these thoughts that I had around money about me worrying, had anything to do with how I felt mentally and physically. And then, when I was about 18 that’s when I started to have a lot of digestive problems. That’s where my health journey began, was a lot of digestive issues that really changed form. They were almost all of the digestive problems you can basically have. And then from there, I started to get anxiety. And then my anxiety for me, led to binge eating because when I would get really, really worried about money, I would turn to eat foods that I knew were not good for me. And that didn’t make me feel good, but I was looking for that quick, that dopamine to make me feel better. And so, then after that, when I started to feel that that turned into a cycle, for sure.

And then I was really trying to work on my digestive problems. I was going to a lot of doctors, everyone was telling me I was fine because I’m quite a fit person. And so, that was very discouraging as well, as I’m sure every single person listening to this podcast knows that feeling. So that’s where I started to become more open to alternative health, which I previously was not. So I started doing a lot of stuff to help with my digestive health. But what I noticed was my stress was still getting higher. And all of a sudden, my memory started to really kind of disappear. So I was 24 years old. And a lot of the things that used to be easy to me were now difficult. So at work, things that I used to be able to do, absolutely no problem. I really had to think about it.

And when I would think it was almost, then all of a sudden I hit the point of nothing. There were just no thoughts. There was nothing coming up for me. And it was such a scary feeling to think. I’m trying to recall these things and they’re not coming to me. So what I did because I was so scared, I was carrying around two notebooks in my pockets at work in my coveralls. So the tasks, I could write them down ahead of time. So when people weren’t looking and I had to go do these on my own, then I could bring it up. And I was able to actually get through them. And it started to get really scary because the feeling of losing your intellect, and wondering at 24 years old, is this early onset Alzheimer’s?

What was going on with my body? It was such a fear. I felt so out of control. And I felt like a victim at that point. And I was just trying to figure out what was going on. And I still wasn’t making any connections yet. And it was really bad after going to so many people, and yes, my health had improved by doing a lot of alternative therapy. No one ever asked me how I felt on the downside. Nobody asked me why I was so stressed. We were always trying to figure out this external thing that was going wrong. And this thing that would fix me, I was always looking for something to fix me. I thought if I just found this thing, that’s the missing piece. And finally, when I was working with a coach, that’s when I realized I was working with her on my anxiety and binge eating.

And finally, when we sat down and we were talking on Zoom one day, I finally opened up to her and I said, you know what? I can tell you why I’m feeling this anxiety. I said, this is because of all my fears and worries about money. And I finally opened up to her and although nothing was fixed right on that call, it was like a 30-pound weight had been lifted off my chest from 20, how many years of me keeping in how I felt. And it was this immense sense of relief and that’s when my healing journey actually began. This was when I realized I needed to really work on how I felt about money. And also opening up to people around me and telling them this is how I feel. And also not being worried about what they would say to me, because that was my big thing was the reason I was so scared to tell anyone at all was because I was making six figures.

I had no debt. I managed it well. From an outside perspective, there was a lot of people saying you are where we want to be. And just the fear of judgment and shame and guilt. Literally, I just held onto that and it was completely eating away my health mentally and physically. So I have done so many tests to see what was going on. And it was incredible how, once I really worked on that mindset, that my physical and mental health came back. And I didn’t even know if I would get my brain health back. I didn’t. That was the scariest out of all of them. And now, being able to remember things easily and to be through that such darkness. I am so grateful, but it was really when I had gone back to school and I was going through.

I actually went back to school. I left my job as a power engineer, went back to school and studied holistic nutrition for a year. And I thought I wanted to coach people on nutrition. And that was when I realized the real true connection between my mental health and physical health. Struggled with my mindset and really diving into the spiritual, that’s when I really started realizing how everything is connected. Because I was very cut and dry. Everything is separate. This doesn’t affect this. And when I realized how much all of that was affecting and I went, Oh my gosh, this is the experience that I’ve gone through from a perceived financial situation, because that wasn’t my financial situation, but that was perceived to me. What are the people who are actually struggling with their finances? How is this affecting their mental, physical health? And that’s when I realized that I needed to help people with this and talk about money from a completely different standpoint. I really talk about money from the mental and physical health aspect. And combining the really good money management skills I had. But then, also, the really strong money mindset I had after going through my whole entire journey. And having to really heal my relationship with money.

Sarah: Everyone needs to hear the story, because like you said, there are so many effects it had physically on your body. Whether that was memory and brain health or the digestive and all the full spectrum of digestive things that could possibly happen to us, very uncomfortable. And here you’ve realized that it wasn’t a parasite. It wasn’t Alzheimer’s, it wasn’t all these things that we might think it might be. Instead, there’s this massive impact of your mindset on your body. So I’d love for you to clarify one thing to the audience, which is, you shared in your story, there’s this six-figure earner who’s having immense financial stress. Even though some people might think, Oh, she shouldn’t be having stress because of that. It sounds like you were afraid of that shame, or fear, or guilt around that. So what’s the difference between financial stress and perceived financial stress? Because it seems like they can affect you just as strongly.

Mandyy: Absolutely. So how I explain that is your mind, whatever you keep telling your mind, your mind is going to believe that that is physically happening, even if it’s just mental stress. So the analogy that I like to use is back in the day, the stresses that we had, they were physical stresses. They weren’t mental stresses and it was more so you being worried about being eaten by an animal. So if you see something and you are running and you’re trying to get away and everything in your body is just trying to keep you surviving. And then once you get away from that animal and you’re in safety, everything in your body goes down. Your cortisol goes down, everything else goes back to normal and your body processes, they go back to maintaining, instead of trying to just keep you surviving. And your body responds so differently in those two situations.

But I truly felt that I was just so definitely afraid of losing what I had and going back to that lifestyle. That my body and my mind perceived it as the exact same. Now I know that might be hard to comprehend for someone who is truly financially struggling out there. But whatever it is, those thoughts you keep replaying, that money story you keep replaying, which is the money story I was replaying, was not my actual situation. It was all, My God what if all this money, if you lose all of this money, and you have nothing and you’re struggling to eat again. It was, yes, mine was perceived, but my body and mind took it the exact same as this is how you were living your everyday life.

Sarah: Yes. It’s really important for us to realize as well. It doesn’t actually even matter what the dollar amount is, the balance is in your bank account. That stress can manifest in our body just as intensely if we had the fear of, Oh my God, I’m going to lose all of this. Or I’m not responsible with money. I don’t know what to do with it. Or I don’t have any. When you went down that that journey of really dissecting your money beliefs, are there things from your childhood that you remember. That came up that were Oh, this is why I believe this, or this is why I feel so afraid of losing my money?

Money beliefs from childhood

Mandyy: It was a lot of stuff that my dad said growing up. My dad had a really bad relationship with money and the words that he used, they were on a daily basis of, money doesn’t grow on trees and that money leaves you. So hearing that money leaves you, just made me feel it was going to leave. There was a book that I had read, going through this time, because my dad knew I loved studying money, and this one was about the economy. And this book, it was talking about the economy crashing and it literally just threw my anxiety so bad. I said, You know what? I have to be so careful about the information I consume. The news is something I don’t watch anymore at all. Haven’t watched the news in probably about six years. It’s something that really affects me when I see a lot of the negativity going on. And a lot of the stuff related back to things that my dad said growing up about money.

And it took me a very long time, a really long time to realize those thoughts did not belong to me. And that is not how I have to live my life. That was my dad’s money story that he needed to heal. And there is no reason that I should be burdened with carrying his money story. And that didn’t happen overnight. It definitely took a lot of awareness and a lot of journaling. But it’s something that I really encourage you, the person listening, who you feel like there are certain words that come up and they trigger you. Are those really your beliefs about money and do they support the lifestyle you want to live going forward, and feeling abundant, and feeling calm around money? Or do those belong to someone else? And you need to bless them. You need to save them for doing the best that they could at that time. Let it go, forgive them, but choose to use different words and thoughts going forward, because that is completely what affects your everyday quality of life. And that’s a big thing I’m passionate about, was talking about your quality of life. Because when it looked like I was doing really good, I was suffering so much. My quality of life was not there. I had money. I couldn’t enjoy it because I was so sick. I was just trying to get out of bed in the morning. I wasn’t thinking about things I could go do. Because there was zero energy. I didn’t have the brainpower to even plan it.

Sarah: When I started this business I was in about $25,000 of debt. And I’ve shared in posts about that a little bit before. And it was so scary, but my heart was just, you have to do this. And then little did I know that also starting your own business is the time when all of your money stuff comes up. It all comes to the surface. And so, here I was in tens of thousands of dollars of debt, and going, hmm I hope I get some clients. And I learned quickly that the only way I was going to feel abundance, and attract abundance into this business, and make it sustainable was by going back and addressing my money story and my money beliefs. And so, some of the ones that came up for me were that I was not responsible with money. I didn’t know how to take care of money.

And also specifically around my business. I’m not worthy of high compensation for the services or value that I have to serve and give the world. And I’ve worked through those, but I’m curious, what are some of the common limiting money beliefs that you may have experienced, or that you hear, or you see, in your clients or communities?

Common limiting money beliefs

Mandyy: A big one when it comes to women is their worthiness of earning money. That is the vast majority. That’s the number one that I see. And so, when I talk to women, let’s say that they do work a nine to five, talking to them about asking for a raise. They are so scared when I say that to them, that they almost fall off their chair sometimes. They’re like, there’s no way that I could ask my boss for a raise, not possible. Or when I work with other coaches and talk about them increasing their prices. And then the feeling they’re taking away from someone. And as women, we give so much to everyone else. We have a really hard time asking for help. And that is hugely related to your body, because of you’re receiving abilities. If you have a hard time asking for help at all, when it comes to you receiving in your life, a lot of times you say no, no, no, no, no, no, no, no, I’ll do this. I’ll get it. You don’t do that. And we’re literally blocking someone else from giving us something. And that comes in and that really affects us, increasing our income. That affects us maybe changing careers to do something that we can earn more money, or that is more rewarding. So a big thing that I find it comes back down to it’s the worthiness, and telling women, you are enough as you are today. But making sure that we’ve really affirmed that over and over because it’s such a deeply ingrained belief.

And a lot of times, sometimes it comes back to something in third grade, their teacher told them that they were not smart, that they were not creative. All of these things, it takes quite a few layers, but the peeling back, it really takes to get to what is actually underlying? What experience happened? And another thing I also see is growing up in a family where there are boys and girls, sometimes parents will talk to their sons more about money, but not their daughters. And so, really talking to them about that, because sometimes then they feel like I wasn’t good enough to be explained how to properly use my money. It made me feel like I wasn’t responsible with it because no one ever helped me. Or I had questions and they talked to my brother, but they never talked to me. So those are some of the things that are really specific to women. But the biggest one is just the worthiness and that you are enough. And you are not an imposter because you want to ask for more money or because you are stepping into this new version of you.

Sarah: Yes. I remember about three years ago, I was just bingeing free content on how to change your money mindset. I was unhappy in my career and I knew I wanted to change it. And I wanted to start to coach full-time, and have podcasts like this, and host programs. But I had all these limiting beliefs around actually quitting my job. I can’t afford to do that. And that’s expensive. And my internal dialogue, which is so limiting as far as abundance. And eventually, I watched enough of the free content to just really get the courage to go to my boss.

Because I thought, okay, well, as long as I can get a raise in my current position, maybe that’ll at least help me transition out eventually. So I like got the balls and went and I asked for the raise and it was so scary, Mandyy. Like you’re saying, we get so scared. It made me feel I was going to fall out of my seat. I cried afterwards. I was shitting myself. It was so hard to just ask. It was so hard. And then, what happened was I asked for the raise and then, they were, we don’t have the money to pay you. No, they said no. And of course, that’s not always the case, but that was a blessing for me because I was, here I am asking for a raise, in a job that I hate anyway.

So how about let’s just leave the job and go do the thing that I want to do? So that was a huge moment for me to find the courage, to ask for the raise that I knew I was worthy of. I was totally fucking worthy of it. They didn’t have the money to keep me, whatever. Now I’m doing what my calling is and stepping into my soul’s purpose. So when we think about that mindset, that dialogue that’s inside of our head. How do we start to shift and heal the mindset around money?

How to shift and heal our money mindset

Mandyy: I love this question, but first I want to address what you had just said there, which was amazing for starters. I’m so proud of you for actually saying, going to them and doing it when you’re scared. Not waiting until you don’t feel the fear, but going, this is so scary, but I am worthy of this and I’m going to ask for it. And then, also, when they did say no, instead of you retreating and going, Oh my gosh, it’s like, I have to stay in this job because I’m not worthy of money so I can’t make it as my business. You went F you, I’m going to go out on my own and do my business. Did you say all of that?

Sarah: I was gone. I was, that’s all I needed. All I needed was for you to say no, now I have a reason to leave.

Mandyy: Absolutely. That it was such a huge blessing from the universe and that confirmation. So good for you for doing that. So when it comes to changing your mindset, honestly, we have 90% of the same thoughts as we had the day before. So the first thing is addressing what are the faults that are on your replay? Literally, when you put a song on, because we love it so much and listen to it over and over, we have goals, but it’s negative and it’s constantly replaying. And that is what is shaping how we feel about money. So the first thing I know that everyone should do is affirmations and most people don’t, but I am serious. You have to replace the words you’re using. And the only way is for your brain to hear new words.

So I suggest having affirmations written down and having to say them every single day. Now, I know at first, when you’re beginning a new habit, it is difficult to do that. So what I have my clients do is, there’s a free app, it’s called Think Up and you can record yourself saying four affirmations in there. And then, I don’t have hardly any notifications to go off on my phone, but that goes off every single day. And I also tell you to set it for a time of day where it’s, maybe not your best time of day. Mornings are great for me, evenings are great, in the afternoon, sometimes that’s when I slow down. So that’s a really, really good time for me to hear it. So it pops up. I pushed play. And the other thing is, now I’m not listening to someone else telling me this. I’m listening to myself, tell me this. This is so much easier to get into my subconscious to believe it.

So there you go. When it comes to affirmations. And what I suggest when it comes to affirmations, a lot of times why people don’t resonate with them is because they just pick ones they’ve been told to use. Don’t just pick. You need something that resonates with what your fears are. So to figure out what affirmation works for you, because I can give you examples, but I want you to sit down and write what are the fears that you have around money? And then, basically write the opposite. Write it from a positive, write it from I have and I am. Write it from that way and make it really specific to you.

I know when it comes to my clients who say, I’m just not good with numbers, I’m just not good at managing my money. What I have to say then, is I’m a great manager of money. And depending on how they react, their body language to that, to seeing if they even believe that. Then I might say, you can go ahead and say, I am becoming a great money manager. That’s baby-stepping it up. So really make your affirmations super specific to you. And make it so you are listening to them every single day or reading them out loud. When it comes to reading them out loud I think the most amazing way to do it is. Standing with your shoulders full-back, and your hands on your hips in Wonder Woman pose. And I know that sounds ridiculous, but there’s a Ted Talk on YouTube, you can look up. And it talks about how, the way you stand, how that completely changes your confidence.

And when you feel more confident, you are going to believe yourself more. So those are really the ways to start changing your money mindset. Also, I like my clients to do as much as they can on autopilot, because anytime you’ve learned a new habit, it’s really hard to build that habit up. So what I like to say is, if there’s any way that you can listen to it at night, affirmations on YouTube that will play while you’re sleeping. You just have them quieter. That is amazing. That’s literally eight hours of you listening to that. Or if you’re sitting at your computer, you can have music on really quietly that doesn’t have any words, but it has sounds or frequencies that really helps to raise your vibrations or subliminal messages. So anything that you can basically almost put on autopilot. So it’s not feeling like it’s another thing on your to-do list. It’s literally just filling that time. That is one of the best things that you can do.

Sarah: Those are really good tips. I have some affirmations, seven or eight a day that pop up on my phone. But sometimes I catch myself just swiping them away. And not really taking a moment to actually read them, or say them, or embody them, or see them as real and believable. So hearing your own voice is so powerful. I love that. I’m going to do that idea. I’m taking that one. That one is coming home with me. So thank you. Thank you for those tips.

I want to ask you something maybe random. Which is the word, expensive. I don’t know this word expensive to me, brings up so many feelings. I’ve been told over and over again, that’s expensive, this is expensive, blah-blah-blah, expensive, expensive. I can’t afford that. And that’s obviously part of our mindset and our dialogue, internal talk as well. I would love to hear your feelings on the word, expensive and how we can get out of this feeling of lack around, I can’t have this or it’s too much.

The word ‘expensive’ and feelings of lack

Mandyy: Personally I hate the word, ‘expensive’. Yeah. And I think that this is for so many people that they have this same story. Is that growing up, you heard that from your parents. And when you heard that right in the moment, what did you feel? You felt rejection, you felt like you weren’t being loved. Although that’s not the case, but this is how you felt. And when you hear that word, you don’t know, but you have the same feelings. You feel like you’re taken back a little bit. So I don’t allow any of my clients to use the word, ‘expensive’. We really work on replacing that. And the other thing is, when you say this is too expensive, that is a statement with a period at the end. And there’s nothing that you can do about it. That is telling you that that is your situation. And then that is it. And that feels really terrible because you feel like you have no control over influencing it.

So instead, when people are thinking of saying, this is too expensive, I want you to instead say, how can I afford this? When you say, how can I afford this? It is not a no, it is tapping into two things. You being resourceful and creative. Just think of it this way, every single month your rent gets paid. Even when you’re worried about other expenses and feeling like you can’t pay for those things. when it comes to your rent, you know, that you need a place to live. So you do whatever you have to do to have money for rent. And if you just had that mindset around, how can I afford it? It completely changes it. It makes you think, what can I do as a side hustle? What can I do to reduce my expenses? What can I do to increase my income? There are so many things that you can do now, but when you put it as just, this is expensive, you completely shut down. And it’s you telling yourself, you’re not worthy of more.

Sarah: I have that conversation with women who tell me that my programs are too expensive. And it’s a hard conversation to have and it’s a harsh reality. Sometimes it’s calling you out on your bullshit, but is it too expensive? Or you not prioritizing this in your life? Or are you not willing to move other things around in order to make this a priority or to make it work?

We can make it work if it’s our top priority. Like having a roof over our heads and paying rent, like you used that example. So for the people who, I think most of us need to probably shift some of the mindset and the talk around money. But what about the actual handling of money and more of the strategy the tangible masculine energy around money?

Mandyy: Absolutely. And I love combining those two, because I want people to know it’s not just one or the other. You absolutely have to improve both of them. And something that makes a really big difference when you’re feeling anxiety or really, really high stress around money is taking action. Action is what really helps to reduce the anxiety. And when I say take action, I’m really talking about the tangibles, what you can actually improve on your financial situation.

Three things that you can do to really start to manage your finances better

So I’m going to give you three things that you can do to really start to manage your finances better. And the first one is, and these are going to sound simple, but I want you to just soul commit. So the first one is to organize when your expenses are coming out of your account, or do from the first of the month to the 31st of the month. And the reason this is so important is because when you see how much money is coming out when, it makes it a lot easier to know how much money you can spend at a certain time. Or if you need to increase your income, somehow for the stuff that’s coming up. It’s all about being able to live the lifestyle that you want to. But in order to do that, you need to know what your financial situation is. So you know what changes need to be made. So writing those down.

The next one is to switch any bills that you can to autopay. Instead of you having to pay them because the less you have to do, the better on your brain. It makes you feel a lot better about money when it’s coming out automatically and then, really just streamlining that process.

And then the third one, the biggest question I get asked about how can I save money, is on groceries and eating out. And this is one of the fastest ways that you can save money. And I can give you tons of tips and tricks for reducing groceries, but the fastest way to do this is actually to use cash. So hear me out first, because I know when some people hear the word, cash, they haven’t used cash in 15 years.

So it sounds like no, that’s not convenient for me. But what I suggest to do this is, every two weeks, take out a certain amount of money for groceries and eating out. And that is how much you will use for the next two-week period. Now, you do have to do a little bit of calculation and figuring this out ahead of time. It’s something that I work on my clients with, to figure out what that amount is. And I don’t recommend you take it out the first of the month, because we get really disconnected within 30 days of our money. But 14 days, it’s a lot. It works really well with our lifestyle. So you’ll have the money in your wallet. And as you see it going down, you start to make different choices when you are standing in line. And all of a sudden there’d be nine more items that just somehow got in your cart.

Those items are not in your cart. It actually helps with your brain because you’re not making decisions. And you’re not trying to have so much willpower, do I buy these chips or do I buy this? And a lot of times those additional items that we’re getting in our cart are things that are actually not raising our energy, not making us feel good. They’re those things that actually reduce our energy. And our energy is a huge correlation with the income that we can earn, and the money we can bring into our life. So think of it from literally a double win-win is you’re tightening up your grocery budget, but at the same time, you’re also helping yourself to keep your energy at a higher state. And yes, it’s going to take some time to get used to using cash, but it’s an incredible way of saving money. Some of my clients, we have saved between four and $500 a month, which literally is the difference of making their vehicle payment. It’s crazy, how just that one expense can really tighten it up.

Sarah: Yes. Especially eating out. We don’t do it very often a lot because of just food allergies and sensitivities. But sometimes we go to pay that bill and I love to be able to indulge in that from time to time. And be, Oh, that was an amazing meal that we treated ourselves to. But sometimes I look at the bill too, and I’m, I could have bought a whole week of groceries for that much. So it’s the experience, but also it depends on again, where are your priorities and what are you trying to save for? What is your intention behind your money and where are you trying to put it in your life?

So for the woman, and this used to be me, who was afraid of looking at her bank account at all. She completely avoids anything and everything that has to do with money. She swipes her card, and buys her groceries, or goes to the coffee shop and buys a coffee. And just crossing her fingers, I hope it goes through. I hope it goes through. What would you say to that woman who avoids that bank account? P.S. I don’t avoid it anymore.

Mandyy: Well, I’m proud of you for how far you’ve come, but this is such a good question because it happens all the time. And what I tell my clients to do is anytime you do anything financial related, I want you to have a money date. I want you to physically, literally bio-hack your environment. So you feel better when you look at those numbers. Because you already know when you first start looking at it more. I recommend you do to look at it every single day. Just so you can start to see. And it’s like if you watch a scary movie and they never actually show who the killer is or the monster, the fear of the unknown is so great. But if they actually showed who that person was and you’re oh, actually, he doesn’t even look that scary, or that monster doesn’t look that bad. All of a sudden, it makes a really big difference. So that monster of the unknown of Oh my gosh, what does my count show? You checking in almost every single day and it can literally take you less than two minutes to do that. Is you look at it, but you have to breathe. You breathe when you look at it, and you give yourself credit for looking at it. But how to have a money date and my clients, at first, they look at me like, is she whack?

And then, after they’ve had them, then they thank me and they’re really excited that they actually did do it. So a big one is essential oils, defusing something or putting something on because you’re physically changing that. Also, you can put on YouTube, some soft music or something that makes you feel really good. I don’t recommend doing a bunch of words because I really want you to focus on your numbers, or sitting down, and doing your finances. But let’s listen to something that is calming. Having an area that’s not cluttered. Clean your desk first, because clutter makes us feel anxious. And I know that I’m hugely correlated to that. So have it clean. Also, be drinking something that tastes good. If you are deciding you’re cutting down on coffee and I’m not, I’m not a coach that said cut all your coffee out.

We figure out is that a high vibe expense for you or a low vibe expense. And then we work that into your budget. But let’s say that you are deciding to just have coffee once a week or something from somewhere. You could buy a drink that you really like, or kombucha, or whatever you want to drink, that makes you feel good. Have that when you’re doing your money date. So everything around you is associating dealing with your finances as something you enjoy to do. I like when my client use hot beverages because hot is a nourishing feeling. And we as women, a lot of times don’t nourish ourselves a lot. So literally, it’s these little things. If you have crystals set them around. Things that make you really excited. So every time you check in with it, that you start to feel better, it’s now a calm environment instead of feeling scary. And also make sure it’s quiet, make sure no one’s there to bug you. Turn your phone on, do not disturb. Don’t look at your phone. And all of a sudden it starts to feel a whole lot better than it did before. And it can make a huge difference.

Sarah: I love that you brought up the feminine receiving energy and that nourishing drink as well. I think I need to incorporate that. I used to be the online entrepreneur who, at the end of the month tallied my numbers. And that so did not work, because here I was setting however many thousand dollars per month goal for my business. And I had no idea how close I was until the 30th or the 31st of each month. And it just didn’t make any sense. And so, now I go through and every single day I pay myself. So I take whatever’s in my PayPal account and I lovingly transfer it over to my checking account, for me to spend as Sarah Small. And it’s this little sacred process. It feels good. Whereas before, it was almost again, not the avoidance of looking at the bank account, but almost an avoidance of just seeing how much money I was making in my business. And now, that I’m crystal clear, I know down to the penny today, I did this morning. How much money auto-immune tribe has made from the 1st of January to the 16th of January. That is empowering and liberating. And it feels so much better to have clarity. And now, when I have a specific goal for January, like I do. I can see, okay, here I am inching closer and closer and closer and closer. Or this is how far, much farther away I am. And this is how I’m going to be able to meet and fill that gap. And that feels so much better.

So yes, just the taking action part, as you said, taking action helps release the anxiety around it. We just have to go fucking do it. So I want to talk a little bit about the energy around it before I run out of time. So money has energy. We give it energy. And I’ve noticed in my life, numerous different periods of my life, but even recently in my business, that I hit an energetic maximum. So this place where I feel like I’ve plateaued or I’ve hit this comfort zone almost with money. And I want more, but it’s not happening yet. So can you talk about the energy around money. And when we do hit an energetic maximum, and how to bust through it?

How to break through energetic maximums

Mandyy: For sure. So one of the things that I want people to remember is that money is just energy. And when you’re okay, but I’m not quite understanding that. Think of it back in the day, when people used to trade things. They used to trade flour for this and they used to trade milk. And that is what they did to get other things. And then as society evolved, they decided to create a currency that we called money. It is literally the exact same thing. It is just trading a service for another service. You are helping someone overcome something or whatever it may be, you’re helping them. And they are just giving back to you, for you giving them such a huge gift. So when you say money is just energy, it’s easier to understand that.

Now, when it comes to hitting a plateau, a lot of times that’s a really good time to start journaling out. And to start and just diving just that layer deeper of okay, so why have I hit this plateau? Why is my thermostat for money here, when I want to crank that thermostat up even higher. So it’s really diving deeper. And sometimes, there is some sort of fear that we have around something that we know maybe we could do, that would be really great. But we’re maybe scared of rejection, so maybe reaching out to someone, or maybe expanding to, or releasing a new program from doing something we haven’t done yet. Like we’re scared of hearing no. We’re scared of hearing the rejection and it all comes back to that feeling of we won’t be loved. That’s really what everything comes back to.

And so it was just maybe you sitting down and journaling out, like, what is this next level that I need to step into? And what part about it scares me? And when you journal it out, because I truly believe that we all have the answers inside of us. I know that I did, but for seven years, I was way too afraid to say a single thing. And I think a lot of times we say, we don’t know, because we (a) maybe don’t trust our intuition. We want to put that trust within someone else because we feel well, there’s no possible way that I have the answer to this big thing. When really we do. We just have to really strengthen our intuition. Really listen to her because she is so incredibly powerful.

So just sit down and go, what is it that I want to do that really excites me, but I’m also really scared to do? And that really can give us so much power, because maybe there’s something that, you know, that you are the person to do this. You’re being called to do it. But there’s just that little bit of that hesitation, that fear, maybe if there’s something that you want to do, but there’s something else that scares you that you’d have to have that set up in order to do that. When then, why does that other thing seem scary? Why can’t I do that? And just really, you owning the fact of how fucking incredible you are, and that you can make this happen. And it’s just going back to that worthy. I am worthy of this. Not in the year from now version, but in the right now version, I am worthy of this.

Sarah: Yes. That makes so much sense. And that’s really what I’ve had to do to get through each layer of that plateau. Because it’s happened several times. Most recently, my coach and I were talking. And he’s, well, Sarah, 31, I’m 31 now, 31 year old version of Sarah’s, yes, I’m worthy of this, go, go, go. You got this girl. She’s totally on board with the energy of that number. But, six, seven, eight-year-old Sarah is scared shitless of that number. She never knew or thought that she was capable of that number. And here it is, I’m close to it and she’s freaking out. And she doesn’t feel it’s safe to have that much money. So I had to go back and do inner child work. And just talk to the seven-year-old little girl inside of me and be, Hey, this is okay. This is actually really fun.

And we’re serving our purpose, and we’re sharing our light, and we’re helping people transform their lives. It doesn’t have to be scary. Money’s not scary and all those old beliefs came up again. But it was really liberating to work through them and realize that those answers were inside me. I just had to have a dialogue with the part of me that was still afraid of hitting the next level. So this is my favorite ever. I love actually talking about money now. Now that I’ve worked through a lot of the shit around it. I love to talk about it. I think it’s so fascinating. It’s just another aspect of our healing and how it affects our physical health. And another aspect of healing our energy body as well. So thank you so much, Mandyy. Is there anything else that you’d like to add, contribute that we feel like we left out today?

Mandyy: Yes. Just one last thing. I just want to say it’s all about being consistent in showing up for, working on your money mindset, and then tangibly taking action. It’s the little daily habits that compound over time. It’s the compound effect, little by little. And then, all of a sudden, one day you wake up and either your mindset is just significantly improved, or your finances. And what you track increases. So when you look at your finances and you have clarity, as you were saying earlier, that’s how you’re able to go, this is how close I am to that goal or not close. And then, all of a sudden, the creativity can kick in of what can I do to hit that then?

But if you’re not looking at it because you’re scared, you don’t have the clarity, there’s no way at all that you can create a roadmap of how to get where you want to be. So even if you’re scared going, you know what? Maybe I’m scared to look at my finances every day or to figure out how the heck I’m going to get there. Really just owning that, you being consistent is absolutely going to get there. And it’s consistency in both the mindset. So listen again to some of the things that I could mention about automatic, but then also doing the things tangibly and combining those. And you will significantly change your financial situation.

Sarah: Yes, amen. Yes. Everyone listening, know that it is so possible to completely change things around. You can go from $25,000 in debt like me to living debt-free in an abundant life. You just have to believe it. And like Mandyy said, the mindset and the tangible task. Taking action. Now, where can everyone learn more, work with you continue to heal their relationship with money, Mandyy?

Mandyy: Absolutely. So you can find me on my website, mandyythomas.com and Mandyy does have two y’s. That is how my name is spelled. And I’m on Instagram a lot. I love sharing on Instagram. So you can follow me on there. And on Instagram stories, same @MandyyThomas. And I do have a Facebook group where I do live training. So diving in deeper to mindset, but also really into the tangibles too. So if you want to really speed that journey up, you can join our group. It is called, Confident Everyday Money.

Sarah: Beautiful. Thank you again, like I said, I love this conversation. I’m so glad we were able to share this with everyone today. And thanks for being on the show.

Mandyy: Thank you so much for having me.

What do you all think? Isn’t that amazing? And probably a little confrontational too, because some of us, still live with fear. And the tips that Mandyy gave were super actionable. So I highly encourage you go and you start to take those action steps. The links to her community and her resources are in the show notes. And just because I know there are so many of you out there, who are having stress around money. And I can remember so deeply what that feels like. I am offering you my, How to Manifest Money for Your Wellness Goals, mini-training. It’s one hour long. This training is normally for sale on my website for $35, but for 48 hours, I’m offering it to you for $20 off, at only $15. So this again is a one-hour training to help you change your relationship with money. I teach you the steps and how to stop feeling broke as fuck. And unable to invest in all the things that you really really want.

And instead, help you detoxify your limiting money, beliefs, and start bringing in some cash money for your wellness goals. So we break down 10 easy steps to makeover that relationship. And you can leave the new money mindset. As long as, disclaimer, as long as you show up and you do the work. Do the work, my loves. So you got to show up, you’ve got to do the work. You’ve got to pay $15 to get in there, but then, what becomes available to you as an energetic shift that you can feel right away in mind, body and soul. So if that’s interesting to you go check that out in the show notes as well. Again, 40 hours flash sale, $20 off that training. If you’re listening to this at another time, it’s still available to you just at the normal $35 rate. And I will see you guys next time, wishing you lots and lots of abundance in your life.

Connect with Mandy:

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