mandyythomas mandyythomas

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Financial Coach & Speaker  😁I help women & couples be confident w/ how they manage their everyday money ❌End💰#anxiety 💴 My step by step system will improve your money 👇🏼Coaching

I remember growing up constantly hearing, “I can’t afford it.”
Does this sound familiar to you too?
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Everytime I had to ask my parents for money, whether it be for something school related or clothes because I had outgrown mine, I would dread it.
I walked circles around my room, rehearsing how I was going to ask them. I thought that if I just used the right words, that maybe I wouldn’t cause them so much stress.
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I remember any time I wanted something, that I asked myself over and over again, if I really needed it.⠀
Was it an actual need or was it a want? Because if it was a want, I could do without it.
“You should know better than that Mandyy, we can’t afford it,” I would tell myself over and over again.
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And then one day, I realized that I wanted more in my life.
I wanted to be able to buy things and not feel guilty for wanting something.
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I wanted to be able to purchase something for myself and feel good about it, not shameful.
I knew that in order to be able to do this, that I needed to be in charge of my own financial situation.
So at the ripe age of 11, I began my first business.
From this business that I began, I started to support myself financially.
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I switched my internal wording from, “I can’t afford this,” to “How can I afford this?”
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Even from a young age, I knew that “I can’t afford this,” wasn’t my story. It didn’t have to be unless I chose it.
And I declared from that day forward that I was going to use the words, “How can I afford it?” to be able to live the life that I wanted to and to have the things that I wanted to and to feel good about them, not shameful.
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Are you constantly saying, “I can’t afford it,” because you heard your parents and everyone else around you growing up say it?
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Have you taken on someone else’s money story and claimed it as your own?
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You are the one who holds the key to the life that you life.
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Conscious chose to give up your parents story. Change the words that you use.
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Become resourceful. Become hungry. Constantly ask yourself, “HOW can I afford it?” Because asking how, creates opportunities and from opportunities, you can create a life where you CAN afford the things that you want to do. 💙

When you want to take big action on changing your finances, when you’re thinking about doing something you’ve never done before...
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I want you to remember that the only cure for fear, is action.
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Big messy action.
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When you sit and overthink or over analyze, you create a story. When you create a story, you aren’t changing anything or doing anything to improve your situation.
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So you need to face your fears head on. Your fears aren’t as bad as you think they are. Truly, they really aren’t.
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I talk to women everyday, who are the ones that are standing in their own way, to achieving the results that they want to with their finances.
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I don’t want that to be the case for you.
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I want you to feel confident with how you’re managing your everyday finances.
I want you to feel what your life will be like, with less financial stress.
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The point is not to try and feel fearless. It is to feel the fear and tell yourself that even though the fear is there, you are still going to take action. That you are going to be courageous in the face of fear.
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What are you going to take action on this week, even though you feel an underlying fear?

Here comes the weirdness!
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If you are new here welcome, if you’ve been following me for a while, I truly appreciate your support and the time you spend reading my content.
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Today I’m going to share a little more about myself.
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📚 I hated math in high school, but personal finances has been a passion of mine that I’ve studied and nerded out for years. I legit am excited to wake up early on a Saturday morning to work on spreadsheets. Helping people transform their entire lives by attending to their finances, is the reason I was put here on the earth. 🤓
👖 I am pretty simple when it comes to clothes, I am really a t-shirt and jeans (now more so leggings & @livify because Freddy pants = life ;) kind of gal.
🥗 If you follow my IG stories, you know I eat a #saladthesizeofmyhead every damn day. Fun fact, I never ate a salad until I was 22.
🐶 I began my first business when I was 11 years old.
🐴 Then I began my second business when I was 14 years old, built my first business and began marketing online, I had zero clue what I was doing, but I was determined I was going to be successful.
👩🏻 I used to have my lip pierced⠀
💰 If I put a nickel in a swear jar every time I swore, I would be a millionaire. #sailorsmouth
😴 If I was on a deserted island and I could only take one thing with me, it would be my eye mask. Not joking. I went from being an insomniac to sleeping through the night due to really working on my night time habits, reducing my stress and improving my health.
🍦 I can’t bite ice cream because I have sensitive teeth. When I see people do that I get covered in goosebumps.
I make the most random sounds throughout the day and talk in the weirdest voices, for no reason at all.
🎥 I could talk about my favorite government/CIA/conspiracy movies for at least 4 hours.
🐁 Snakes and spiders don’t bother me at all, but my fear of mice is for real.
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I would love to get to know you better! Any of my weird-o-ness resonate with you? Share a interesting fact about yourself below!!!

I was bullied a lot growing up and I had plastic surgery on my ears because of it.
I struggled with math in school, in fact it was my lowest mark.
I’ve switched schools, twice.
I moved away from home shortly after my 17th birthday.
I never went on a vacation with my family growing up.
I’ve had to part with some things that have almost shattered my heart.
I have had to say no to a lot of things that I really wanted to do.
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But you know what? All of that made me resilient as hell.
I was never perfect, far from it actually.
I’ve had more failures than I can count.
It made me stronger.
It made me work so damn hard to live the life that I have today.
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My past does not define my future and neither does yours.
My pain became my fuel and so should yours.
My emotional pains and traumas became my reason “why.”
I chose to make a lot of sacrifices.⠀
My sacrifices have definitely played a role in my successes.
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You are the one who gets to write your story, every single day.
You have far more choice in your life than you could ever imagine.
You have the ability to say I am not going to experience that again.
You have the choice to change your situation in this exact moment.
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I want you to choose yourself, your happiness & your health. Every single day.
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It’s up to you whether you want to take the step forward into completely changing your money situation and your life, or remaining in the same struggle. Take the step forward and click the link in my bio to book in for your free financial Q&A call.⠀💙
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Photo by @lukesitter

For those of you who have animals, you know the emotional suffering that is created when your animal is in pain. I had an accident with my once in a lifetime mare Lucy. I spent 3 very long years trying everything I could to make her life better. I tried every resource that I found & spent a fortune trying to heal her. I found a rehab facility in another province that was very expensive, but I was willing to do what it took to improve her quality of life and to be able to look at her and feel happy again, instead of guilty and painful because of her accident.
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After trying so many alternative therapies and having no success, the goal was no longer about reaching a position where I could ride her again, it was just about her experiencing less pain daily.
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I can’t even put it into words the feelings that you experience when you end up being able to ride your most favorite horse, that vets had told you to not spend any more money on and to put down.
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I worked so hard to be able to have her sound and pain free.
We finally reached a point that we were able to compete in an extreme trail challenge, which was one of the most incredible gifts I have ever received in my life.
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Just thinking back to that day when the unthinkable happened, still gives me goosebumps as I write this.
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The only reason that I was able to keep going after each expensive failed treatment is because I knew how to manage my money really well.
I can say with complete honesty that I wouldn’t take any of the money back that I spent on her and being able to experience that one special day with her, I was absolutely blessed & some people never experience that kind of joy that I was provided with on that day.
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My wish for you is that you take active responsibility of your finances so in your own way, you can experience what I cannot even remotely describe, but was the most peaceful, miraculous blessing that I will forever be grateful for.
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Working with someone to get your money struggles figured out, goes so much deeper than having more money, but being able to have the experiences that mean the absolute most to you.
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Please tag someone in this who needs some inspiration for hope. ❤️💝

Are you emotionally distracted from your daily life because of your finances?
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You’re going about your day and everything is fine, but then a thought pops into your head.
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You start thinking about how many bills are left to be paid, but it’s still a few days until your next paycheck.
You’re laying in your bed, exhausted but awake because you’re worrying about your upcoming bills.
You have Christmas coming up and gifts to buy and your paychecks are smaller and the thought of the numbers makes you want to just avoid looking at your bank account.
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There are 2 types of distractions that we face in our lives on a daily basis.
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Sensory distractions (things going on around us - externally) and emotional (your inner dialogue when you are worrying about something).
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How much of your precious time every single day, is spent caught up in the emotional distractions of the state of your finances?
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This. Is. Exhausting.
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No really, it’s exhausting your already overworked and overwhelmed brain.
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Isn’t it time that you had someone help you improve your financial situation so you could turn your thought to:
Damn I am proud of myself for how far I have came
I am so grateful that I improved my finances when I did, even though I was scared
I am so happy that I don’t have to worry about the “whammy” expenses coming and throwing me into a bad place financially⠀
I am so happy that my money anxiety is so much less
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Life is so short that you shouldn’t be trapped in an internal cage where you are constantly worrying about your finances.
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Click the link in my bio and let’s get you on the right track. 💙

Why is financial coaching so valuable and beneficial to you?
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Because nothing is stronger than habit.
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Meaning, the habits that you have developed over the past 20, 30 or 40+ years are very deeply ingrained in your mind.
Your brain has a direct path of how you do things and this path is well worn.
It is so easy to access and it doesn’t even take much brain power.
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This fact can work for you and against you.
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When it comes to your finances, it can often work against you.
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You can learn something new and it can totally sense and seem simple to you, but the fact of the matter is that it is simple in nature, but it is NOT easy.
Something can be simple to understand, but really hard to implement, to stay the course when obstacles pop up in your way and to be consistent.
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Financial coaching is so beneficial to have someone there with you when you are making all of these initial steps to get your financial foundation in place and then to be consistent with taking the action going forward once you have put out your “financial fires.” You know, the ones that are the immediate things you need to attend to, so then you can focus on actually getting ahead in your life.
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It might be easy to understand something, but that does not mean that making the changes is going to be easy.
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Everyday I hear individuals and couples who say they need accountability.
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Because even if the plan seems simple and they understand it, they need someone to hold them accountable to actually doing the things they know they need to do.
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I don’t just help you with the strategy, I also help you with the implementation (because strategy without implementation = the same financial struggles you’ve always had) and showing up with your new habits consistently.
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Allow me to be your strategizer AND your accountability partner and that is when you will see your finances truly improve. Not just temporarily, but for the rest of your life.⠀💙

One of my best traits is that I often didn’t listen to others, when I was surrounded by people who weren’t living the life that made them most happy.
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When I came up against a decision I was needing to make, often I’ve kept it to myself first before talking to others about it.
Why?
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Because I wanted to know how I truly felt about it first. I didn’t want to be influenced by others.
Especially by others who aren’t on the same journey as me or don’t have the same mindset as me, because they likely wouldn’t understand where I am coming from and why I would want to choose the decision that I am.
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It is important to communicate well to those around you.
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But it also important to listen to your own truth.
To your own intuition.
To what your gut is telling you is the right decision.
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So often we silence what our gut is telling us and what our body intuitively knows to be best for us.
We override what we already know to be true, that our body is whispering or sometimes even screaming at us to do.
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Stop allowing those who don’t understand what you’re trying to do, what you’re trying to overcome or where you want to go, to persuade or influence your decisions.
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Hold your decision making process closer to you and choose to listen to your gut more often.
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She won’t lead you to the wrong decision or down the wrong path.
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I understand how you want to live a bigger life. I understand you have dreams bigger than your current reality.
And I know that you getting your finances in order, plays a really big role in making those things come true.
You know that working with someone who has the skills, knowledge and coaching system, will be the difference maker.
You just need to make the commitment to yourself to listen to your gut.
Click the link in my bio to let me help you achieve your dreams and goals. 💙

Get better at making decisions faster and being more decisive is an incredible skill that will serve you well in your life.
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So many times when it comes to finances, I see people often just not make decisions.
They are scared to make the wrong one, so they don’t make a decision at all.
They feel like it is “safer” to not decide.
Or to put the decision on hold and “think about it.”
Is this you?
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The best way to actually improve upon your decisive & quick decision making skills, is when you go out to eat.
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When you go out to eat, decide right away where you are going to eat and not humming and hawing.
Instead of no, no no, no, no, decide right away and stick with your decision.
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Then when you get there deciding really quickly what you are going to eat and not changing your mind.⠀
Not taking fifteen minutes with the menu to figure out what to order.⠀
Make a decision and OWN the decision you've made.
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I’m not joking when I say to do this.⠀
If you are not a very decisive person or you struggle to make yes/no decisions with your finances, then strengthening your decision making muscles IS very valuable for you!
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Which type of person are you, someone who takes forever to decide on a place to eat or what your ordering or someone who decides right away and sticks with it?
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PS normally I don't tend to eat salads when I go to new places, because I eat salads all of the time at home, but this one sounded incredible and it did not disappoint, so #saladthesizeofmyhead it was!

How overwhelmed are you feeling right now?
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My guess is that you are very overwhelmed.
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We think we love having so many choices.
But we also dislike it because it makes it so hard to actually make a decision.
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When you have so many choices, your brain gets tired.
Then you don’t take any action to improve your finances.
Not taking action, committing or making a decision, allows you to stay stuck right where you are.
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You think that not making a decision is more useful but it’s not.
It just keeps you stuck and overwhelmed.
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You worry about not making the right decision.
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It’s actually better to take action even if it’s not the right decision.
Because even if you “fail,” at least you’ve failed forward.
You’ve stepped outside of your comfort zone instead of staying stuck.
You’ve learned something instead of staying stuck.
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Having a coach limits your options of all the things you can do to improve your finances.
A coach eliminates your feelings of overwhelm because they give you a very narrow list of what you need to do.
You no longer need to waste brain power on figuring out the “how to.”⠀
When you don’t know the “how-to” for your specific financial situation and the order of the steps to take to improve your finances, you sit in feelings of overwhelm and you don’t take any action, which means you see zero results with your finances.
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The fastest way to end overwhelm and start seeing results?
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Pay someone to look at your specific financial situation.
Find out exactly what you need to do for YOUR situation.
Don’t keep taking in free information and not acting on it.
Don’t allow yourself to not commit to your goals for one minute longer.
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Let me help you go from overwhelm > foundational financial knowledge > YOUR action steps > improving your finances.
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Are you currently feeling overwhelmed with deciding what you need to do to manage your everyday finances better?

Your current beliefs that you have around money are what is creating your currently reality.
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I talk to women all the time and hear so many false beliefs that are holding them back.
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One of the most common ones is “I can’t afford it.”
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So often we spend our lives repeating the words we heard others say growing up, over and over again.
We don’t realize that we are speaking someone else’s vocabulary and it is not serving us.
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Your life is not going to change if you keep allowing your false beliefs to hold you back.
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Why do I say that this is a false belief?
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Because no matter what your financial situation, if your rent was due today, you would come up with the money.
Even if you didn’t have it, you would get resourceful and somehow come up with that money.
So it is indeed, a false belief.
You can become resourceful and change your situation.
You can come up with the money for the things that you prioritize.
You just need to decide what are your top priorities and be honest with yourself about your decision.
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Change your belief to, “I can afford the things that I value the most.”
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Then ask yourself, “how can I afford it?”
Isn’t that so much more empowering than saying, “I can’t afford it?”
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Saying how can I afford it, opens you up to opportunities.
Saying I can’t afford it, shuts you down right away and allows no solutions at all.
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Journal out the beliefs you have around money.
Then I want you to challenge them.
Choose to believe new empowering beliefs that support the life you want to live.
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Because believing false beliefs never allowed anyone to turn their dreams into their reality.
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I really want you to change your beliefs, because I want you to be able to figure out, when you want something, HOW you can make it happen.
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I want you to be able to live the life that you have been dreaming of.
I want that dream, to become your reality.
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What is a money belief that you’ve had to work on changing or one you’re currently working on changing?

What is your initial reaction when you hear the word “sacrifice?”
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Does it make you uncomfortable? Does it make you feel anxious? Do you want to resist it?
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I want you to reframe how you think of the word sacrifice.
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Sacrifice does NOT have to mean something bad.
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In fact it can be exactly what you need, to align you on the path to what you value most in your life.
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Sacrifice can actually be something very abundant.
Putting something on hold for the short term, allows you to reach your long term goals.
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Because you are listening to your higher self that within a little bit of time, you can do all of those things that you want to do.
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If it wasn’t for sacrifice, many of the best things in my life wouldn’t have happened.
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Sacrificing short term indulgences and things that weren’t a HELL yes, has allowed me to:
Make huge financial progress
Purchase a home
Purchase ⅔ of my vehicle in cash
Leave my engineering career and start a business
Travel so much more
Have a flexible schedule
Show my horses
Sponsor a child in Mali
Help put my brother through school
Work with multiple different coaches
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If I would have allows the fear of not having what I want hold me back, I would have never reached these goals or experienced these things.
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You need to remember that sacrifice is not forever, it is actually creating the room for what you want to happen the most.
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Change your mindset to sacrifice is temporary.
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Sacrifice = the life you want to live the most.
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And I am not just talking about financial sacrifices, I am also talking about time sacrifices.
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Maybe you need to give up something that is consuming a lot of your time right now, to make time for what aligns with what you want the most.
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Sacrifice can be the stepping stone you need to reach what you are craving in your life the most.
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What is something that you need to sacrifice now, to get what you really want later?

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