From Broke to Financially Attractive

To say the last few months have been busy is an understatement . I'm officially licensed as a Financial Advisor in Ontario! My mission is to bridge the gap between finance and marginalized folk so they can improve their spending habits, build wealth and live better. Studying and taking exams was not easy and the work is not over. Finance is so layered that I'll always be learning. If you attended my virtual business launch party, THANK YOU! If you won a giveaway, YAY YOU! If you've supported me in any way, thank you so so much! These are my services: Insurance, Investment, Banking consultations Financial Analysis Appointments Investing 101 Sessions Financial Literacy Workshops Instagram Live Features, Interviews and Takeovers Event Hosting and Guest Speaking Workshop Facilitation Since starting my journey in the finance industry, I've met so many people, on social media and in real life, in the same field. I am always willing to connect and collaborate so we can make fi...

It's been awhile but I'm back! A life update will in the next blog post but today, I wanted to share some statistics I came across. Feel free to check out the links below and I encourage you to do your own research as well. Check out these statistics: nearly 50% of adult Canadians struggle with financial literacy 48% OF CANADIANS ARE $200 AWAY FROM BEING BROKE FOR EVERY $1 WE MAKE, OUR DEBT IS $1.77 ONLY 25% OF CANADIANS HAVE AN EMERGENCY FUND CPP (CANADIAN PENSION PLAN) IS NOT ENOUGH TO LIVE ON A YEAR OF TUITION IS APPROXIMATELY $27, 000 140 TORONTO RESTAURANTS CLOSED DUE TO COVID (JUNE 2020) AVERAGE RENT FOR ONE BEDROOM IS $1200; CONDO APARTMENT ABOUT $2200 AVERAGE HOUSE IS OVER $1.2 MILLION MINIMUM WAGE IS STILL $14.25 FOOD PRICES ARE SET TO INCREASE 3-5% THIS YEAR PUBLIC TRANSIT HAS INCREASED 300% IN THE LAST 30 YEARS Why are these statistics important? They show the volatility of the economy due to the pandemic, how the cost of living and minimum wage don't match, how ...

Call me the goal assassin because I attack every goal I create with passion and purpose. I firmly believe that we are the only ones standing in the way of greatness. I firmly believe that we can manifest our dreams with positive self-talk, hard work and a plan. I'm not making anymore excuses. My thoughts control my actions, periodt! At the end of February, I made 3 goals to hit by by June 2021: 1. Save $12k by June 2021 Get rid of an expense (no hair products + related expenses for 3 months) Online shopping only once a month Outside food only twice a month 2. Gain 10lbs by June 2021 Get a trainer Aim for 1980-2000 calories per day 3 weight-lifting workouts per week 3. Read 3 books by June 2021 Read when I wake up and/or before bed Take a book with me when I leave the house Read a few pages after work I'm proud to say I hit my $12k goal last night, almost 2 months early!!! I don't play about my goals, my money or my potential. I might be slacking a bit with my "read 3...

How? Information and implementation. I tell people all the time that education is power, money is just a tool . You can have $10,o00 but if you have horrible spending habits, you'll lose it in seconds. If you have a scarcity mindset, you'll always be worried about if the money will run out. More money doesn't mean you suddenly become a genius at finance. Just over a year ago, I had a low credit score, very little money, way too many clothes and terrible spending habits. I never once thought about investing or home ownership or how to become financially independent. I wasn't just surviving but I definitely wasn't thriving. Here are some of the things I did to go from 0-100 in 1.5 years: Got a financial advisor (10/10 recommend) Did a financial needs analysis to look at my income, expenses, savings, investments Got protection plans (life insurance & critical illness) Created a plan to save money Increased my credit score by 300+ points Set limits for shopping and ...

It's not too late to tap into my money challenge! Close your eyes and randomly pick one activity each day. Make it interesting! You can do this any month, for as long as you want. Continue to implement these activities to improve your spending habits. Stay tuned for next month's challenge! All love, always, Shay.💛 Instagram: @financefortheculture Email: financesfortheculture@gmail.com Book a FREE financial analysis:  https://calendly.com/financefortheculture/financialneedsanalysis?month=2021-07 Book an Investing 101 Session:  https://calendly.com/shaymoneyinvesting101/60min?back=1&month=2021-07  

You already know that I love SMART goals because they set you up for success. SMART  Goals have allowed me to manifest dreams into reality. Back in November 2019, after looking for a job for 3 months, I set the goal to land a 9-5 job that paid more than my previous job by the end of November and on November 22, I was hired for exactly that. SMART goals help you get focussed. S - SPECIFIC - say it with your chest M - MEASURABLE - can you monitor your progress? A - ACHIEVABLE - make it make sense R - REALISTIC - can you actually do this? *see above* T - TIMELY - give yourself a deadline Here are some of my current goals: 1. Save $12k by June 2021 2. Gain 10lbs by June 2021 3. Read 3 books by June 2021 You have to know your destination in order to know how to get there. Here's how I plan to achieve these goals: 1. Save $12k by June 2021 Get rid of an expense (no hair products + related expenses for 3 months) Online shopping only once a month Outside food only twice a month 2. Gain 10l...