Financial Sobriety School with Linda Parmar
112 episodes - English - Latest episode: 19 days ago -Financial Sobriety School with Linda Parmar is a podcast where Linda teaches weekly lessons on all things Financial Sobriety. Financial Sobriety School is a place where you will learn how to stop addictive, impulsive, compulsive and obsessive spending.
The lessons will focus on removing the stigma of shame with money and start to create a life of abundance and hope.
Linda Parmar is a Financial Sobriety Expert, she has completed designations as a Certified Money Coach, Financial Recovery Counsellor, Trauma of Money Facilitator, She Recovers Coach and Professional Recovery Coach.
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Episodes
Lesson 24 - Financial Infidelity
April 09, 2024 08:30 - 19 minutes - 27.4 MBThis 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 ab...
Lesson 23 - What were you taught about money as a child?
March 25, 2024 21:02 - 17 minutes - 23.8 MBIt 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 ...
Lesson 22- Sober Spending - Grocery Edition
March 13, 2024 18:22 - 27 minutes - 37.1 MBThe 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 wh...
Lesson 21 - Regulating your nervous system for your money
February 27, 2024 10:06 - 30 minutes - 41.5 MBHave 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...
Lesson 20 - Financial Sobriety Goals
December 27, 2023 22:07 - 28 minutes - 39.4 MBIt'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 ac...
Lesson 19 - Financial Sobriety Holiday Boundaries
December 06, 2023 19:54 - 19 minutes - 26.8 MBHow 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 o...
Lesson 18 - 10 Steps To Holiday Spending
November 22, 2023 18:41 - 20 minutes - 28.6 MBThe 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: ...
Lesson 17 - Oniomania
October 06, 2023 00:08 - 18 minutes - 25.5 MBOniomania, 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 ...
Lesson 16 - What are you trying to heal with your spending?
September 14, 2023 17:57 - 18 minutes - 25.4 MBWhen 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 ...
Lesson 15 - Dopamine and Spending
August 28, 2023 18:29 - 17 minutes - 24.4 MBDopamine is a big word these days. Dopamine has ALOT to do with our behaviours and patterns with money. This lesson talks about the how spending, dopamine and our brain are affected by our thoughts and actions when it comes to our money. Our brain is absolutely amazing and the neural pathways that are made within it are really driven by dopamine. Dopamine hits the happiness button in our brain. With spending and hitting that buy now button or pulling out our credit cards we are often...
Lesson 14 - Breaking free from addictive spending
August 08, 2023 22:01 - 19 minutes - 26.4 MBDo you struggle with addictive spending? What is addictive spending? It is patterns of compulsive, impulsive, excessive spending. Does this resonate with you? Addictive spending is really normal these days. We have been conditioned to buy anything we want. The dopamine hit gets us feeling good and then the behaviour continues. We are usually reaching for something to make us happy. We are chasing happiness in our purchases. In today's lesson Linda walks you through step by step...
Lesson 13 - Financial Sobriety Strategy
July 18, 2023 09:00 - 21 minutes - 28.9 MBLesson 13 is all about the final foundation of Financial Sobriety School - Financial Sobriety Strategy. Throughout all the previous lessons you have found what you needed to be able to get all the information together to make your Financial Sobriety Strategy. Overall what the strategy is about is creating a plan for your money. Money LOVES us to be specific about what we expect from it. This includes how much we will put in savings, debt repayment, expenses etc. It also incorporates the...
Lesson 12 - Surviving to Thriving
July 04, 2023 09:00 - 22 minutes - 31 MBLesson 12 is focusing on the 6th foundation of Financial Sobriety School - Surviving to Thriving. This episode is an invitation to drop into your heart and start to move the dial from being in survival mode with your money to start to repair your relationship with money and thriving. Here are the journal prompts that Linda gives in the lesson: How do I feel about my money? How do I show up for my money? How do I want to show up for my money? What current habits do I have with ...
Lesson 11 - Financial Literacy
June 20, 2023 09:00 - 30 minutes - 42.1 MBFoundation 5 of Financial Sobriety School is - Financial Literacy. In the last lesson we talked about your Financial Inventory and started to really look at your numbers, your expenses, your savings, your debt. Now what? This is where Financial Literacy comes into place. Financial literacy refers to the knowledge and understanding of various financial concepts and skills that are there to help support you to make informed and effective decisions regarding yourpersonal finances. It incl...
Lesson 10 - Financial Inventory
June 06, 2023 09:00 - 23 minutes - 31.8 MBLesson 10 is alllll about looking at your money. The actual numbers. Yes, that is part of your Financial Sobriety! Financial Inventory is the 3rd foundation of Financial Sobriety School. Grab your free template here for your Financial Inventory: https://www.lindaparmar.com/financialinventory Have your login information ready for your bank accounts, credit cards, investments, mortgage etc; or paper statements if you don't have online access. Putting together your financial inventor...
Lesson 9 - Financial Sobriety Tools
May 23, 2023 09:08 - 20 minutes - 27.7 MBIt is so important for us to have tools in our toolbox when it comes to Financial Sobriety. Financial Sobriety Tools is the second foundation of Financial Sobriety School. What are some tools you can think of that will help support you and your money? In this lesson Linda gives some examples of tools that you can put into your Financial Sobriety toolbox for you to reach for when you need support.
Lesson 8 - What is holding you back from Financial Sobriety?
May 16, 2023 09:00 - 22 minutes - 30.3 MBSo many of us want so bad to start working on our Financial Sobriety. We have the intention to start but we have no idea where to start and then we keep coming up against a big wall. What is that big wall that is holding you back from working on your Financial Sobriety? It is very common to feel paralyzed/frozen when it comes to our money. Our society is very focused on negative stigma's with money. What if we thought about how to turn that around. What if we rebelled out against...
Lesson 7 - Forgive yourself what you did to SURVIVE with money
May 02, 2023 09:00 - 16 minutes - 22.6 MBActive addiction can have you living in survival mode. It is a cycle that keeps going and going as you struggle to break the habit. In this episode Linda talks aboue how important it is for us to forive ourselves for what we did to survive in our spending addiction/overspending. A huge AHA moment is had in this episode and being able to witness what forgiving ourselves for who we were in that moment looks like. Our overall Financial Sobriety can feel really hard and when we can star...
Lesson 6 - Does Sobriety Result In More Money?
April 25, 2023 09:00 - 16 minutes - 23.2 MBWhen we start our sobriety or recovery with our drug/substance of choice we can often think we are going to all of a sudden have more money since we are no longer taking part in our addiction. In today's episode Linda breaks down ways that getting sober can result in having more money but more often than not it can also come at a cost. It never equals the actual cost that your active addiction will bring you. There is more cost than just financial. There are many ways to have a look at...
Lesson 5 - The Parallels of Drinking and Spending
April 18, 2023 09:00 - 16 minutes - 22.7 MBLiving your Financial Sobriety is starting to dig under the surface and understand why you are taking part in the behaviours of addictive, compulsive, unconscious overspending. There are so many parallels when it comes to the behaviours that we take part in when we are active in many addictions, including drinking. In this episode Linda explains how the patterns and behaviours of your overspending are exactly how you felt/feel in your addiction of drinking, or any other behaviour you a...
Lesson 4 - Understanding Your Financial Feelings
April 11, 2023 09:00 - 19 minutes - 26.8 MBOur feelings are a gateway to understanding our behaviours with money. Have you ever checked in with your feelings when impulses to spend money come up? When we are stuck in the addictive cycle of overspending we are often trying to escape from reality and fill a void. We are reaching outside ourselves to feel something different. In Lesson 4 Linda explains the first foundation of Financial Sobriety School - Understanding your financial feelings and giving you tips on how to do this ...
Lesson 3 - Sober Spending
April 04, 2023 09:00 - 17 minutes - 24.4 MBOne of the main foundations of Financial Sobriety School is Sober Spending. Sober Spending is planning your spending and making clear, conscious, mindful, aligned decisions with your spending. We live in a capitalist and consumer based society and we are encouraged to buy everything we see. We are inundated with advertising to purchase everything we don't need. Practicing sober spending will keep you focused and staying within your spending plan. Make decisions about your spendin...
Lesson 2 - My Financial Sobriety Story
March 28, 2023 09:00 - 34 minutes - 47.9 MBIn the second lesson of Financial Sobriety School I share my Financial Sobriety Story. I am extremely grateful for my story and even though feeling financially out of control and at the bottom I know that it all happened for me to be able to be here and share this to help support you. Turning my mess into my message has been really important to me. Removing the stigma of shame surrounding our money is crucial to be able to move forward in your financial sobriety. I wear my heart on ...
Lesson 1 - What is Financial Sobriety
March 21, 2023 17:00 - 18 minutes - 25.8 MBWelcome to Financial Sobriety School! This podcast was previously known as Your Money, Your Recovery and with a new facelift of my business I have renamed the show to Financial Sobriety School with Linda Parmar. In Lesson 1 I am going to explain what the Financial Sobriety School is and what the meaning of Financial Sobriety is. School is in session and I am so excited to share all my expertise on Financial Sobriety with you!
Episode 71 - What you can and can't control with your money
January 23, 2023 18:08 - 27 minutes - 37.5 MBMoney can feel really hard sometimes; right now everything has increased in price. Just shopping for groceries right now feels like it eats up (literally) all the money you have allocated for the month/week. It can feel overwhelming when everything is this expensive so focusing on what you can control with your money is really important. In this episode, Linda breaks down what you can and can't control with your money and tips to get you through this hard time.
Episode 70 - How do you want to FEEL about your money in 2023?
January 03, 2023 20:17 - 23 minutes - 32.7 MBWelcome to 2023! In this episode Linda talks all about setting intentions vs resolutions with your money. It's time to focus on how we want to feel with our money instead of coming from a place of shame and trying to change something that is "wrong" with us. Link to sign up for the free workshop - Design your financial vision for 2023: https://www.lindaparmar.com/2023
Episode 69- Preparing for the holidays
November 17, 2022 17:17 - 28 minutes - 38.7 MBIt is that time to start planning for the holidays! Do you hear the jingle bells? Linda breaks down how to prepare yourself for the holidays financially while honouring emotions that come up during this time of year. Free guide to creating a holiday spending plan can be found right here: https://www.lindaparmar.com/holidayspendingplan Let's make this holiday season as stress free as possible!
Episode 68 - My LAST credit card payment!
October 19, 2022 16:51 - 41 minutes - 57.3 MBLinda has a HUGE money milestone announcement in this week's episode. After over 6 years of financial recovery, Linda shares how she was able to pay off the last of her credit cards. What a journey it has been and Linda shares the ups and the downs and what has led her to reach this milestone. Financial recovery is a long road but it is so worth the drive!
Episode 67 - My journey with food
October 04, 2022 19:48 - 29 minutes - 40.5 MBIn this week's episode, Linda talks about her relationship with food and how it has impacted her life. Trigger warning for this episode - please don't listen if talking about dieting, body judgments and specifics about losing weight is triggering for you. Linda's relationship with money and food has been extremely parallel. This is often the case when the layers of recovery start to happen. The group coaching program Linda speaks about in this episode can be found here - https://w...
Episode 66 - Breaking the restriction/binge cycle with money and food
September 20, 2022 01:31 - 51 minutes - 71.3 MBToday Linda welcomes fellow She Recovers Coach Bronwen Thorburn to chat about the parallels of our relationship with money and food. Our conversation isn't a replacement for medical advice, if disordered eating is something you feel like your experiencing please contact your medical team. Our experience has been that restricting both food and spending can lead to binge eating/binge spending. Diet Culture and so many rules in our society teach us that there are good and bad foods; with ...
Episode 65 - Inflation and Recession
June 23, 2022 21:25 - 34 minutes - 47.8 MBLife is really expensive right now. We are experiencing inflation in our economy and it is making our wallets very sad. This week Linda talks about what inflation is, what to expect and how to make the next right decisions with your money. It is so important for us now more than ever to understand our spending and our money overall. This episode has all the tips and tricks to help support you during this time!
Episode 64 - Is buy now pay later really worth it?
June 08, 2022 23:02 - 18 minutes - 25.7 MBOnline shopping is escalating really quickly lately with the buy now pay later services that are creeping you when you are online shopping. Online retailers and these services are making it way too easy to break payments down and buy that item that you want. Let's talk about if these services are really helping you or if they are actually costing you more money!?
Episode 63 - How to deal with hard times with your money
May 05, 2022 15:48 - 14 minutes - 19.9 MBWe are still in hard times when it comes to our money and the state of the world. Pandemic, inflation, and debt is the highest it's been in years. Today I talk about how to deal with hard times with your money. I took a lot away from the She Recovers Miami conference and the messages from the speakers and how they related to money. Can't wait to share!
Episode 61 - Money Motivation - Being mindful with your money
April 13, 2022 09:15 - 6 minutes - 5.95 MBMoney Motivation are episodes that are bite-size and short to get you motivated with your money. Today we are talking about how to be mindful with your money. I give you a few tips and tricks to help you connect with your money, make intentional purchases with your money and start to heal your relationship with money.
Episode 60 - Money Motivation - Where do I start?
April 13, 2022 09:15 - 6 minutes - 6.35 MBThis is the first of the money motivation series where I give you bite-size pieces on how to motivate you and your money. This episode is all about where to start working on your relationship with money! Money can be really overwhelming, I give you a few items to get you started to heal your relationship with money.
Episode 61 - Money Motivation - How to save money on groceries
April 13, 2022 09:15 - 7 minutes - 7 MBMoney Motivation are episodes that are bite-size and short to get you motivated with your money. Today we are talking about how to save money on groceries. Life is so expensive right now! The grocery store prices are soaring. In this episode, I give you some tips and tricks to help support you to save money at the grocery store.
Episode 62 - Money Motivation - How to save money on groceries
April 13, 2022 09:15 - 7 minutes - 7 MBMoney Motivation are episodes that are bite-size and short to get you motivated with your money. Today we are talking about how to save money on groceries. Life is so expensive right now! The grocery store prices are soaring. In this episode, I give you some tips and tricks to help support you to save money at the grocery store.
Episode 59 - I'm BAAAACK!
April 06, 2022 15:25 - 24 minutes - 33.5 MBYour ears aren't fooling you! I am back with a new episode and giving you an update on my financial life and life overall. Exciting things will be coming up for the show including different ways to connect with the content. So excited to be back!
Episode 58 - Goodbye, for now
October 16, 2021 20:15 - 16 minutes - 22.6 MBIn this episode, I say goodbye to the podcast, for now. Listen in to see why I have decided to no longer record the podcast, my biggest takeaways, and my plans for the future. Thank you to everyone who has supported me the past few years! This has been an honour and please refer to older episodes to be inspired with your money. I have been so proud of the content I have released through this platform and will be forever grateful for this platform This is not the end but on to the ...
Episode 57- Money Meetings
September 28, 2021 07:00 - 22 minutes - 31.2 MBDo struggle to keep up with what is going on with your finances? Are you avoiding your finances and want to start a new habit to look at your money? This week I talk about money meetings. Scheduling in money meetings will help support the healing of your relationship with money. This can be done with yourself if you are on your own or with your significant other, even if you have separate finances. Ready to start this new habit? Listen in!
Episode 56 - Daily Money Practices
September 14, 2021 09:00 - 27 minutes - 37.9 MBThe season of routine is here! I love September as when the season starts to turn to fall after summer the feeling of routine and structure really set in. This week I am talking all about some daily practices you could bring into your life to help support you and your money. Sometimes when we think about practices with money we assume it has to do with our bank account or spending plan, which it can, but it also has to do with mindfulness, connection, and as simple as taking a deep bre...
Episode 55 - Andrea Owen
July 22, 2021 09:00 - 59 minutes - 81.8 MBThis week Linda has on author, global speaker, podcaster, fellow She Recovers® coach and professional certified life coach Andrea Owen on the show. Andrea has written a new book called Make Some Noise that is being released August 2021. In this book Andrea encourages women to dig in to find their power and and honour who they are and raise their voices for themselves. She speaks so much about money in this book and in this interview. Linda and Andrea talk in-depth about being empowe...
Episode 54- Where My Spending Addiction Started
July 13, 2021 22:59 - 18 minutes - 25.2 MBThis week Linda talks about a specific traumatic moment that happened to her in middle school that started her journey to a spending addiction. "Trauma is not the event, it is how you feel during it" -Gabor Mate. The feelings that happen during a traumatic moment lead us to behaviours in our lives like a spending addiction. Linda tells this story in this episode.
Episode 53- Trauma and your relationship with money
June 22, 2021 08:30 - 27 minutes - 37.4 MBHave you ever wondered how traumatic events in your life have affected your relationship with money? In recovery, we are often faced with traumatic events in our lives that have led us to where we are now. These events lead us to try to be comfortable in our pain. Often we find ourselves in a cycle of patterns and behaviors with our money as a result of this pain. This week Linda talks about how her trauma has affected her relationship with money, specifically her addiction to spending...
Episode 52 - Boundaries with Money
June 08, 2021 09:00 - 31 minutes - 43 MBHave you ever thought about having boundaries with your money? In recovery, boundaries are so important to protect yourself in so many ways. What would boundaries with money mean to you? This week Linda walks you through what boundaries are, how to apply them to your Financial Recovery℠ , and start achieving your goals by having them in place. When we have boundaries in place we also set an expectation of what we want to do with our money. Money loves us to be specific with what w...
Episode 51 - Understanding your credit report
May 25, 2021 09:00 - 37 minutes - 51 MBDo you understand your fico/credit score? Do you understand what helps your credit score and what doesn't? Linda breaks down how things report to your credit bureau, what to do if you have a low credit rating to increase it, and ways to keep your credit score happy and healthy. Our credit score rules a lot of our lives these days so being able to understand it and what to do to keep your score healthy is very important.
Episode 50 - How to Create Money Habits
May 11, 2021 17:07 - 27 minutes - 37.2 MBDo you feel like there are habits you want to start with money but have no idea where to start? In this episode, Linda walks you through some great habits to start with money and how to start them. Start small, but just start is the motto of this episode! In 18-28 days you can build a habit and in 66 days you can build a new behaviour aka a new neuro pathway in your brain! Let's do this!
Episode 49- Financial Recovery Takes Time
April 27, 2021 10:00 - 21 minutes - 29.9 MBDo you find that you experience a hardship in life with money and you decide that the journey is too hard? Do you beat yourself up a lot about your money? The journey to create a healthy relationship with money takes time. It can be really hard to accept this. It can be really hard to start to move forward when you are feeling discouraged about your experience. This episode is a pep talk to keep going and an explanation of why financial recovery takes time. Keep Going!
Episode 48 - Mandy
March 30, 2021 15:56 - 56 minutes - 76.9 MBThis week Linda has a guest on her episode! Mandy joins Linda to talk about how she grew up with money and the beliefs of what she knew as a kid to what she knows now. Mandy is a recovery coach who has recently written a book and has her own business. Breaking down her relationship with money has provided an opportunity to seek abundance to be able to support herself and her business which in turn is creating opportunities in the recovery world to help support women. Here is a link to...
Episode 47 - Check-in
March 16, 2021 18:35 - 20 minutes - 27.8 MBIt's been a year since we officially were shut down in so many ways by Covid-19 and this pandemic that we have been surviving this past year. This episode is all about checking-in with yourself and Linda checks in on how she has been the past year and most importantly the past few months. There has been a lot of unknowns and we are finally starting to see some hope. Let's check-in to see how you are doing.