Consistency is the name of the game!


Last week I challenged you to make your choices keeping your goal in mind. How’s that going? When we act consciously it makes it easier to change a behavior or a habit. We can do it for one day, but the trick is to do it day after day. Consistency is essential for success in any endeavor. We won’t get fit and strong if we do just one perfect workout a week. We have to do it consistently at least three times a week, month after month. We have to do it, especially when we don’t want to. It is in those moments that the change occurs. Pushing beyond the discomfort, pushing beyond the monotony, pushing beyond the grind is what is required for success.

Here four tips for that can help with practicing being consistent:

  1. Set very specific and short term goals.
    For instance, you can set a goal to lose one pound this week. Or, you can set the goal to stop for coffee only twice this week instead everyday of the week. These are examples of very realistic and achievable goals and they can be accomplished in the time frame set. Specific and short term goals are a great way to see success quickly and this keeps you motivated to keep going.

  2. Do what you say and say what you do!
    When you set a goal, you have to make the commitment. Be sure to that your actions support your words. If you want to lose weight you have to commit to working out and watching your diet. If you want to reduce debt you need to commit to spending less on non essentials items.

  3. Keep moving forward even when you mess up.
    In all likelihood at the beginning of the process, you will slip. Changing a habit or behavior takes time. If you mess up one day, don’t let it ruin the rest of the week. Forgive yourself and keep going. If you do it often enough a new pattern will emerge and you will reach the stage where it becomes effortless.

  4. Be mindful.
    Be mindful when making choices, be mindful when working out, be mindful when eating, and be mindful when shopping. There is enough evidence that support the alchemy that occurs when we are present and mindful. Mindfulness exponentially increases the chance of success in reaching our goals.

  5. The final tip is even if you don’t want to, do it anyway.
    This point is so important I have to repeat it. We may not always want to exercise, eat healthy or show restraint when shopping. But if it is what is necessary to reach our goal, we have to, even when we don’t want to. This may be painful, but it is the price of success and we have to be willing pay our dues.
    Leave a comment below and let me know what you think or how it’s working out for you is.

June 15th is designated Conscious Consumer day.
Wear Purple to remember to practice Financial Mindfulness
#ThePurpleCampaign #WearPurpleJune15th




What‘s your next move?

The Purple Campaign_week 1_what is your next move

Building health and wealth have so much in common. It all boils down to our daily choices. Our everyday choices affect the size our waistline and the size of our bank account. Making the right choice in both cases requires us to know whether something is a need or a want. We all can tell the difference between the two. A need is that is necessary for survival or for reaching your goal. A want is something you would like to have but if you didn’t get it you would be just fine. We all know this, the question is do we practice it?

The secret to success in reaching our goals lies in the choices we make moment to moment. These seemly little inconsequential choices accumulate over time. Whenever we make a decision contrary to our goal, however tiny, it takes us one step further away from that goal. If we do this enough times in an hour, a day, a week, a month, a year, then we will be getting farther and farther away from what we want.

The next time you hear yourself saying “ah one cookie won’t kill me” or “I must have those shoes”, ask yourself if this something that you really NEED given what you are trying to accomplish in your life right now.  When you realize that each moment of the day you have a chance to move closer or further away from your goal, it really puts things into perspective. When we make conscious decisions and are mindful of the consequences, it will allow us to succeed in reaching our goals today and in the future.

Here is my challenge to you; if you have never practiced mindful or conscious decision making, this will be a great exercise for you to start with. Set a goal for yourself that you can accomplish in the next five days. It can be either a financial goal or a health goal. For the next five days, practice being conscious of your moment to moment choices. It doesn’t have to be too intense.  It can be a simple question you ask yourself when faced with making a decision.  That question is “Will this action take me further away from or take me closer to my goal”. If you can answer that question honestly each time, then you would be well on your way to achieving your goal.

I would love to hear from you. Feel free to drop me a line and let me know how it’s working out for you.



Wine with A Purpose Inaugural Event

1When women have wine with a purpose and come together to support each other a kind of alchemy occurs.  The sharing becomes natural and flows effortlessly. This is what happened on March 3rd at the inaugural Wine with a Purpose event.  I had the pleasure of spending and evening with some very diverse and beautiful women.  We came from different backgrounds and had different life experiences, but were able to understand each other in a very authentic and unspoken manner. We all talked about  the issues that face us and as diverse as they may have been, we call could empathize with each other. During the course of the evening we sometimes veered off from financial issues. There was a lot of talk about shoes and cars, but we kept circling back to the central theme of the evening which was the disentanglement of self worth and net worth. The more we talked, we realized that this insidious concept haunts a lot of us and for some it is deeply ingrained.  If this inaugural session is an indication of things to come I would say were are in for some deep exploration and intense sharing, which will get us closer to freeing ourselves from the burden of this concept. The evening ended with a mission. The first part of the mission is acceptance. Accept where and how you are now. The second part of the mission is that moving forward we start asking: Why do we want the things we want? Where are we in a rush to get to? Be warned that when we take a moment to question our motives we may start to uncover more than we bargain for!

I am looking forward to our next session. Register at  to have the details sent straight to your inbox.



Let’s Talk!


Today is Bell’s Let’s Talk day. The purpose of this day is to remove the stigma that surrounds mental health. The ability to reach our full potential depends on how well we can cope with the day to day stresses of life. For some, these stresses consume them and it  affects their ability to function effectively on a day to day basis. Mental illness can result from biological, developmental and social factors.

Financial stress is one of the leading contributors to mental health issues among adults. Being worried about your finances or feeling intimidating about how to manage your finances can make it hard for people to make clear logical decisions that will actually serve them. Fear and panic takes over and as a result one’s mental and physical health are both affected.

There are steps you can take to reduce financial anxiety. First, you have to understand and accept where you are. Take inventory that means figuring out what your strengths and weakness are and then develop a plan of action. This plan of action requires you to set clearly defined financial goals for yourself and have a strategy for reaching these goals. I suggest you start off small, so as to build your confidence. When you start to achieve goal after goal, it will wire you for more and even bigger successes.

The second step is when you fall off the tracks and you will, don’t beat yourself up. Simply stop, reassess and start again. Learning a new behaviour takes time and it is natural to get resistance, but persistence is the key to success here.

Finally, reach out and get some help. There is a lot you can do on your own, but sometimes you may need guidance, advice and moral support, to help you achieve your desired level of financial well-being.

Feel free to drop me a line with any questions you may have:


The fastest way to get rich is to wear Purple and be Mindful

The Purple Campaign (1)

June 15th is designated conscious consumer day. On this day we ask you to wear purple as a reminder to be financially mindful. All too often people spend for the wrong reasons. These are so many cultural standards that we try to meet and in the process create debt for ourselves.  Never stopping for a moment to question, why?  Do I really need to prove to my neighbors, colleagues, friends and or family that I am worthy because I only purchase designer brands.  Will spending that extra $80,000 to get the luxury car really make you happy when it puts you further into debt? Is keeping up appearances more important than common sense and logic?

If you can afford to buy whatever you want and not left in crippling debt, by all means go right ahead. However, you really have to think long and hard when you try to portray a lifestyle that you can’t afford.  You may get the temporary pleasure of proving to the world that you are worthy, but in reality not only do you feel like a fraud in the process, but  you are actually hurting yourself mentally and financially.  Sand castles don’t last.

On the surface finance might seem like a simple case of numbers, in reality the numbers are just the tip of the iceberg. It is what lurks below that drives you more than you’re willing to examine or even admit.  Why do you feel you need to have things that will invariably cause a financial strain on you and your family?  Financially debt is not pleasant and it can be avoided, but it will require some exploration between what you think you need and what you really need. This will be the hardest part of the process because when you start down that rabbit hole you’ll soon realize that there are many more twists and turns that you really never could have anticipated.  This is one adventure that when it’s over, you’ll be richer for it!  Let June 15th be the day to start off in this bold adventure.

Share your purple pics on our Facebook Page:


Dr. M




Are you currently paying bank fees, specifically monthly maintenance fees? If you are it’s akin to paying the supermarket a fee for the chance to buy food from them. When we pay these bank fees we are in effect paying the bank to make them richer. Let me explain. Banks make their money by lending out depositors’ money (your money) at a higher rate than they pay to depositors (you). Notice that your mortgage or line of credit carries a higher interest rate than your savings/checking account. Essentially depositors (you) are giving the banks their product (your money) which they take and use to make themselves a healthy profit. Without your deposit they would have no means of making money.  At the core when we pay bank fees we are really paying them (the banks) to get richer.


Now, banks (both traditional brick and mortar banks and online banks) provide a valuable service in keeping money flowing through the economy. There are some valid fees that are logical and expected. For instance, fees for bounced checks due to insufficient funds, foreign transfer fees, lost debit card fee, paper statement fee (vs. a free online version). These are justifiable, but the monthly maintenance fees that are required by some banks are incomprehensible.  Traditional brick and mortar banks are guilty of this fee. Most online banks don’t have these fees.  They have free access to ATMs, unlimited check requests and they also pay interest on the balance on your checking account not just your savings account. It makes sense to use a bank that does not charge us a fee for simply opening a bank account.

Fees, especially those that go unnoticed or the ones we never question, add up over time. These bank fees are an example where our herd mentality still haunts us. Our primal instincts require us to confirm with the herd for survival, we might be living in a modern world but we are still running on primal software. It is only with conscious effort can we override this primal instinct.  It is important that you understand  how the financial system really works. Then you would be better able to make an informed choice and not just follow along with the masses. Not because everyone is doing it makes it right.

For Canadians this is a good read:

We don’t need to be paying some of these banks fees. They are unfair and unwarranted. This holds true for bank fees and investment fees.  The Oracle of Omaha himself has said it “When trillions of dollars are managed by Wall Street charging high fees, it will usually be the managers who reap outsized profits, not the clients.” Warren Buffet February 2017.

Fortune's Most Powerful Women Summit - Day 2

It is common for many of us to think that we are powerless against the big banks and corporations. We seem to keep forgetting that we are the very people who keep them in business. They only exist because of us. Without our money these banks and corporations will not be able to function. When more and more of us start to realize this and act accordingly, only then we will see where the true power lies.

This week I encourage you to investigate what fees you’re paying. If you haven’t done this before, be prepared to learn something new and save some money in the process.


Dr. M


The Root Of All Evil!


Some of you may be surprised to know that the root of all evil is NOT money. The root of all evil is the belief that there is only ONE way to view the world.  These are some weird times we are going through. The world seems to be regressing before my eyes.  In keeping with the adage “be the change you want to see” I believe that it is necessary for me to take stock of how I really see the world.   In trying to find peace and sanity in day to day existence amidst “fake” news and “alternative facts” I feel that it is crucial to understand my beliefs and see whether they need updating or amending.

A person’s life philosophy or view of the world is a combination of their genetic makeup and environmental conditioning. This just means that the way you see the world depends on your biology and your background. Someone born in the tropics for instance, will have different physical features and temperament than someone who is born in a temperate country. Someone who grows up a religious household sees and experiences the world very differently than someone who grew up with atheistic parents.

Is it any wonder that we have a hard time understanding each other even when we speak the same language?  Even if we hold biology constant and we couldn’t differentiate people by their physical appearance, we would still have to deal with the person’s ideology.  This is true from the micro to the macro level. In households it is common to find people holding different ideologies. They might all share the same genetics but not necessary the same world view.  We find this same dynamic on a larger scale in communities and countries.  There is one world, but there are seven billion different perspectives of this same world. It’s a massive undertaking to get everyone to understand the same point of view. I don’t know that this is even possible, but I believe that if we work towards it, we would be in a better place than we are today.

If I had to suggest steps, the first would be to recognize what the real problem is. We all have to collectively understand that, we see the world as we are, not as it is.  We have all made our beliefs, our truth. Once we understand this then we can start the process of trying to understand the other person or the other point of view.

When we enter into discussions knowing that that when we speak the other person is translating what we say in a way that they can comprehend. This does not guarantee that we will be talking about the same thing. When we recognize this, we can spend more time trying to understand each other rather than arguing with each other.   A rudimentary example to demonstrate this point is given below.  What do you see in the picture?  Is it a duck or a rabbit?  Which is correct? Some people see the duck and others see only the rabbit. Both are correct. The trick is being able to shift from seeing one to another.


My two cents for today, is that instead of demonizing each other maybe we can use the same energy to understand what makes the other person or the other side behave the way they do. We may in the process not only learn more about others, but also more about ourselves.

The issues we are dealing with today didn’t happen overnight.  It has been festering for years and like it or not we have all contributed in one way or another. If head to head combat is not working, try something else. Reach out to the players that can make a change. Connect with them, make peace with them.  We need to go from the ground up. People are people and at the core we all want the same thing- peace of mind. We may all have a different idea of how to go about achieving this and what we must have to get this but it is the starting point for dialogue. We need to find more things to agree on and fewer things to fight about. Otherwise, we will just be spinning a top in mud.

My challenge for you today is to try to see the world from another person’s perspective. Choose someone-a parent, your spouse, a friend or even your children and see if you can see things they way they do, you might be surprised by what you learn.

Dr. M