Differently
Simple, yet powerful ideas for building a life, differently. Hosted by Carla Reeves, creator of The Differently Coaching Experience, this podcast offers thought-provoking conversations and practical insights for anyone looking to get out of survival mode and build a life that is truly your own. From the highs and lows of love and relationships, to the challenges and opportunities of work and career, Differently will challenge you to to rethink what’s possible.
Differently
Cultivating Joy When Dealing With Money With Kelly Marshall
➤Does talking about money make you squirm?
➤Does the subject of money and finances feel heavy?
➤Would you rather do just about anything other than look at your finances?
If this sounds like you, we’ve got the episode that will turn dealing with money from a fearful, negative experience to a positive – dare we say FUN – one!
Kelly Marshall, owner and CEO of TerraCare Financial, takes a fresh approach to helping people with their bookkeeping, cash management, and money mindset.
You DON’T have to spend heavy, anxiety-filled hours looking at a spreadsheet when managing money.
In this episode, Kelly shows you how to sprinkle a little joy into your budgeting.
We go beyond the taboo of talking money to embracing fun and aligning your financial strategies with your personal values.
Consider this episode your permission slip to think of money management in a whole new light, as an enjoyable part of your life, not just a necessary evil.
You’ll learn innovative money management tips to bring creativity, optimism, and play to your approach to finances, changing your entire outlook on dealing with money, talking about money, and managing money.
Join us and reignite your financial awareness with the wisdom shared in this fun and informative conversation.
Get ready to be inspire
Enjoy!
Learn more about Kelly:
Check out Kelly's past episodes:
Empowered Spending with Kelly
Differently with Money
Creative Money Mindset
Website: https://terracarefinancial.com/
Connect LinkedIn: https://www.linkedin.com/in/kelly-marshall-acct/
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Connect on IG: https://www.instagram.com/kelly.marshall.8/
Connect on LI: https://www.linkedin.com/company/terracare-financial/
Learn more about Carla: https:/www.carlareeves.com/
Connect on LI: https://www.linkedin.com/in/reevescarla/
Connect on Pinte
Learn more about Carla:
Website: https:/www.carlareeves.com/
Connect on LI: https://www.linkedin.com/in/reevescarla/
Connect on Youtube: https://www.youtube.com/@differentlythepodcast
Go to https://www.carlareeves.com/getunstuck.com to download Carla's on demand journaling workshop + exercise to help you stop spinning and start moving forward.
Explore Coaching with Carla: https://bookme.name/carlareeves/lite/explore-coaching
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Thank you for listening!
Kelly, welcome back to Differently, thank you. I'm happy to be here again. I'm excited to have you and you can go back and listen to Kelly. She was on the podcast back in March of 21, talking about doing money differently, and then we had her back on talking about empowered spending, and today we're going to be talking about creative money practices. So give us a little intro to that, kelly. There's in my mind as I was thinking about this. I'm like why does this sound so strange or even risque?
Speaker 2:Well, that right there is a great segue into why we need this, right. You know, it's funny I've heard it said before like people would rather talk about their sex life than talk about their money, because those who talk about like risque and taboo, like it's such a cultural thing not to talk about, which means for a lot of people they suffer in silence with it, Right, and a lot of the practices that are out there for money like feel boring or, you know, just like the last thing anybody wants to do. And so today we're going to. We're going to shake that up a little bit and find a little more lightness and spaciousness and breath and fun and creativity around money.
Speaker 2:And I guess all I can say is you have a permission slip to make money fun, right. Like it's just a much better way to approach life. There's so much more possibility in it when you approach it with fun, and even more than that. Like fun might not be what everybody needs. You approach it with what would be aligned for you, what would feel good to you, and start from there.
Speaker 1:All right, did you? Did everyone hear like, did you hear that listener that we all have a permission slip to sort of partake in this conversation and allow money to be different in our lives, whether that's fun or playful, or just lighter or maybe more trusting or whatever that is for you, you have a permission slip, and so do we. Um, you have a permission slip and, and so do we. So, kelly, when you started doing financial bookkeeping and creating your business and all of that was, was this always a part of it for you, or did that? Was that an evolution for you too? I?
Speaker 2:would say it was both a catalyst and an evolution. So the reason I say a catalyst is I knew when I started this iteration. So quick background I started a bookkeeping business in 2004. And at that time it was really just kind of to get me out of a job that I didn't want to be in. I knew I could make money with it and it was going to be for whoever needed it and it wasn't long I was in that and I had an opportunity to join a registered investment advisor, and that was the next eight years and I will skip fast forward through all that stuff.
Speaker 2:But at that time it felt stifling. I had to go to people's offices. You didn't have the cloud capabilities we have now and it felt very limited. I was going to be the local bookkeeper and go to these offices and so when I was starting this version of the business, it was very important that I was working with people I wanted to work with and being able to explore the energy side of money. I was in a bank doing corporate work, which is very linear and very much in the accounting side, and I was also starting to experience.
Speaker 2:You know I was doing some art. I was taking pottery class. There's actually a newspaper, a magazine article about me doing pottery and how it was like the left brain, right brain thing, and it was when I was very much in a linear job but had this creative side and I was, you know, doing intuitive movement and yoga and energy work and I needed those to be included, like to become one whole me, and that it was what I was doing and I think that was really like the catalyst. I didn't know what that would look like at that time and I've taken, you know, I've worked with Summer Kendall Summerhawk and taken a lot of her programs to learn how to really marry the business part with the energy piece. And so there's it's been intentionally brought in more and more and more and I continue to evolve that.
Speaker 2:But it was always the catalyst of like I want to have the conversations I want to have with who. I want to have them every day of my life and that's what I get to do. I get to talk about the practical business side of things that were. That was my education and my corporate experience, but bring it in in a new way and add this, this lightness and this levity and things that I've learned to bring into my own money practices and kind of share that with others, cause it's so heavy. Like the, I have multiple sales calls, strategy sessions where people cry and that's in our first meeting have money so heavy for them, and so it's such a gift to be able to lighten that load and um and bring in this other way of doing money.
Speaker 2:That's why I love when you call it doing differently, because it really is that like it's. It's another way and it's just not conventionally what's been out there. I think there's more and more of it, but in the past that's not what's there, like your parents aren't going to get that. They had their checkbook register and they just wrote everything down and you know it's just how they did money and things are different now and credit cards have changed that and you know electronic money has changed that and there's so many things that have come about that have changed how you know how we work with money and therefore we have to find new ways to um support our lives with it. I didn't even know that answer was within me, so thank you for asking that question. This is what carla's brilliance is.
Speaker 1:Well, I just saw in you like your own evolution of you know, marrying those different parts of you into your business. I can see how that brings such like aliveness for you in your everyday and serving people and what you do, and then how that just ripples out to everyone you serve too. And I also think just this idea of are you bringing your full self into whatever you're doing around money? Because I know for myself the answer usually is no. Like I sort of get into this like money box. You know, like when I'm going to go deal with money.
Speaker 1:Even yesterday my husband and I had a conversation. We came in we were like moving some money around and we were in this great vibe before that and we sat down to just like literally do this transfer and I saw something that didn't seem right on the account and it was a new account and I was feeling nervous because it was a new account and like the whole energy just got sucked out of the room. And after we walked out of the room and we were both just like whoa, like all of our past stuff like came up and we just had to completely reset ourselves after that. But it's so. I love this idea and reminder to like are you bringing your whole self and these other parts of you that are important? Cause I adore creativity, and so this idea of bringing it in with money is just exciting.
Speaker 2:Yeah, I just want to highlight. I mean we could just stop the podcast here, because what you just no, I'm just kidding, but what you just shared is exactly what I'm talking about. Well, we have other ways to do it, but where you said you guys reset, that was you bringing your your current set of skills that you have that you use in other areas to support you in money. I bet if you went back a number of years you wouldn't have done that reset. That would have carried forward in the day, might have even spilled into weeks and, you know, impacted that relationship and decisions you're making. Like think of how that could have rippled out into your life. And so that was a perfect example of how you can do money differently allow, give yourself that space, take a breath, whatever tools you have to do the reset that serve you the best and then you can get back into that good energy, the good vibes, instead of letting it dictate your next hours and days and weeks and months.
Speaker 1:Thanks for that reflection. I hadn't even connected that dot, so thank you for that. So thank you for that. Okay, so what is? What is, what are creative?
Speaker 2:money practices and where should we start with this? Yeah, um, there's so many, so I guess let's stay on that theme that we were on. I kind of have three buckets I came up with because this could be infinite, like we could. You could play and have fun all day, um, but I just kind of came up with three to keep. I like to talk a lot, so it'll give us a chance of keeping this brief.
Speaker 2:But, um, the first one is really just creating some self care around your money practices. So, um, what you shared was a perfect example of doing that. Like, if things get yucky, like take a break, take a breath and go do whatever gets you back into the energy that would serve you. Don't just stay like melting into a puddle and that energy, like that's not going to serve you. You can't make a good decision from that. It's going to impact your relationship. So give yourself that opportunity to put it away and take care of yourself and then go back to it.
Speaker 2:But money dates is another one that comes from Barry Tesler, who wrote the Art of Money. I don't know that she's the first person who did set it, but she's the first person I heard say it and she talked about like having money dates with yourself or with a partner, and you can make that really fun. Like some people will even create kind of rituals around that. Like they they don't talk about money Like if they're going to have like a specific money conversation where they're getting into kind of the weeds, they might go to the coffee shop and bring what they need there, cause that's a fun place for them to do it. Or they might just kind of set themselves up in a fun way that feels supportive.
Speaker 2:In Barry's world she talks about, she gets wine and chocolate out and like that's how she gets her money date. So you find some things that can create some ritual for you, that are supportive and kind of again bring that little lightness, comfort into that, because we don't have to sit at a desk for hours and look at spreadsheets. That doesn't have to be your version of a money date. It can look like a really great conversation about your values and goals and where you want to go and then sprinkle in some of the practical stuff.
Speaker 1:So that would be like creating this environment that actually like allows a little more fun, or creating your, setting your environment up in a way that almost invites a different energy and approach and mentality. I like that.
Speaker 2:Right, yeah, good, I would say too to like split it up. So I think when I was writing that out, I thought about you know business, I'm so business focused and so people like that are just getting ready for tax time at the end of the year. So they spend like a hellish week or weekend going through everything to get ready for tax time, versus kind of chunking it up through the year. So the same thing can be with our money through the month or through you know, whatever that looks like.
Speaker 2:Some people it's all in one horrible, dreading chunk that they keep putting off versus doing a little bit all the time. You know doing maybe it's once a week, or you know you have a's once a week, or you know you have a process of opening up bills or looking at stuff one day and going and paying things another day. Just chunk it up and make it easier on yourself. Take a break when you need to get that breath. And for people that don't struggle with this, that can seem silly, like for them they have no trouble going and spending three hours in their money, but for somebody who wants to avoid it, it's paralyzing the idea of having to go spend that much time with it, so they really need to find ways to make it easier, and chunking them up is one of them.
Speaker 1:Or hiring you, or hiring you. That's what I did too, because I used to be that person that waited till the right before the tax appointment at the end of the year, and I'd spend hours going through everything, trying to compile everything, and now you just send me a report and it makes it so much easier.
Speaker 2:Shameless plug. Thank you, I um. The other thing that came to mind with that is then you also don't have the benefit of having that information available to you make decisions. So that's a business example. Like it's nice that you have that information every month, but if you think of it from a bill perspective, like I know people that will avoid opening bills and so that bill becomes bigger and bigger and looms and heavy and you know, and they haven't looked at it and they could open it up and oh my gosh, it's a credit this month and it was no big deal, and so they've made all these decisions since avoiding it that could have been made differently.
Speaker 2:Or if they were kind of being more intentional about their goals with their money and things like that, that they, by spending time with it going along, it helps inform their decisions from a different place than if they, you know, only look at it when they absolutely have to. That's going to impact how we make decisions throughout. So by chunking it up and either getting some support that's sending you a report or kind of breaking it down for yourself it gives you the opportunity to be more informed along the way, which can sound boring, but it also is the way to make decisions that are propelling you into a future you want to head towards. You know.
Speaker 1:Well, and for people that do like are avoiders like that, is there a way to be more creative? I mean, I know you're saying to chunk it up, but even just to shift our approach or thinking around opening those bills.
Speaker 2:Yeah, so I've got two quick answers. There's probably a million more. But the one is, like, do it with a friend so you know they don't have to look at your stuff, but you guys can be doing it at the same time and that can be either in location or remotely, like you can both be on Zoom, kind of doing your thing, and you're just holding space for each other. Or even like this is this is small, but you know, creating um, like, let's say, you have a folder, you stick your bills and you open it up and you stick them in, or even, as you like, store them before you're opening them up. They, let's say, they always go in a folder, um, or a folder on your mailbox or something like that. Like, make that fun. Or a folder on your mailbox or something like that. Like, make that fun, make it a fun name or decorate the folder, like it's these tiny little creative touches that make it more approachable and impact your nervous system as you go to do the thing, and it just makes it that much easier.
Speaker 1:You know that was just a couple of thoughts I had. Yeah, I just had another idea from so. If you haven't listened to the Empowered Spending episode with Kelly, you might go back, but one of the things we talked about in there was aligning your spending to your goals, and so maybe that folder is even aligned to that larger goal, and so you put the bill in there and when you pay it you remember like this is in alignment with my values or this is in alignment with that larger goal, and it changes the whole feeling about it.
Speaker 2:Yeah, well, this is why it's so important to talk about it, because, even as you said that, it brought another idea to mind and I've shared this one before. But I sometimes forget it. Like. Sometimes we think about the heaviness of money. You know, a lot of times I run forget it. Like sometimes we think about the heaviness of money. You know, a lot of times I run into it.
Speaker 2:People have shame about debt or things that they've spent on and they just think of, let's just specifically say, credit card bill, and they only think about the weight of having to pay that back and that can, or the shame like there's. People carry shame around debt. You know, I've got a very neutral feeling about debt. I think of it as a tool. But that's taken some work for me to frame it that way, and part of how I can frame it that way is to really consider what was that used for. So let's think about a business owner that maybe has incurred debt to get their business up and running. Well, that was an investment. You know, if that was student loan debt, there'd be no shame in that. It just is what it is. But when it's a credit card debt for a business owner, that can feel so heavy. That was my investment in my business. You can even rename that bill in your whatever you're doing spreadsheet or whatever you're doing, or even in your mind, just like that's my investment money. I'm just paying back. That was an investment in me.
Speaker 2:Or you went on this really great trip with your family and you chose to charge it. That can feel like, oh, we shouldn't have spent that money. Or that can feel like holy crap, that was a life-changing trip to wherever. You know. Think of what we experienced. And so those little reframes are creative opportunity to shift what could feel heavy and shameful into, you know, remembering the feelings that that were there when you decided to do those things, you know. And it just brings that little bit of lightness in which, again, as you're going, you know I'm not a nervous system expert, but I know how heavy things can feel if they're layering and layering and layering and you're not giving yourself that opportunity to reframe them. So those little shifts, I mean that lightness. They make it easier for you to approach these things and not avoid them.
Speaker 1:Such a good reminder. I just had kind of had that experience. I was able to finally pay off a business credit card and you know it's kind of like, oh, sometimes it's so hard to like take that money and put it towards that, right. But I did like, right, as I was thinking about it I remembered like what was that for? And then I remembered that part of that was for that Bill Barron training that actually you and I met in, and that training still lives inside my business today. That training allowed me to level up my business and like it just it did exactly what you're saying for me in that moment. Yeah.
Speaker 2:So that could feel like a heavy weight until now. Now I can feel free, but that could have felt like a heavy weight or it's just like that's an investment. That's what people do to build their business, you know. It's so much lighter.
Speaker 2:Another thought that popped into my head was and I've heard this one out there some people probably some people have heard it before and some people it's new but like making usernames and passwords that are much more empowering. So, um, I get to see a lot of passwords for people and there's some really fun ones out there that are about like goals that people have and freedom and prosperity and abundance and payoff, and you know, there's all these words that they bring into their passwords, that and you can do that with some kind of number or something that people can't figure out, but it's every time you type that in. How much more fun is that? Or make your username something that just reminds you, like that this is a fun thing. This is why I did this. You know, your credit card username could have been business growth, Carla. Business growth, you know, and it's those little things that just create a little bit more lightness, a little more creativity around what we're doing.
Speaker 1:Your, your words create your world. I totally believe in that. I think that's a great idea. So, like those financial passwords could be tied to your goal and you're reaffirming that every time you log in. Such a great idea. Any like what are your favorite Like, yes, go ahead.
Speaker 2:Oh. I just was going to. I have a couple other ones, but go ahead and ask your question.
Speaker 1:Tell us the other ones for sure.
Speaker 2:Um and there's. So I was thinking about this and thinking about you know other practices we use right to create more creativity or light or room, and I was thinking about like kind of how do we stay in've used I don't even bring it out all the time but it was around clearing money clutter and as I said it, I was like I haven't done this for my wallet in a little bit Like there's so many places in your life where you have this money clutter where money is stuck, it's stagnant, it's not working for you, it's creating stress, and so I have a couple examples of that, and one is a wallet.
Speaker 2:You know, like last time I went in my wallet, I had four receipts sticking out of the one part. You know I had more than more cards than I probably needed in there. Um, my change thing was full. I rarely ever count change when I'm in a register, and so there's an opportunity there to like meeting that all up, lighten the load in my purse, give money a really pretty place to be, and so that's another creative way of of handling your money and being with your money. That's a little different. So that was one.
Speaker 1:That's a brilliant idea and it well, it ties to a practice, and I I did a podcast on this called the art of sweeping. But it's really like, how do you keep your life and your um, your wellbeing and everything like your vitality alive? You know, people go through work with me and they start to feel better and then they start to get afraid like, oh my gosh, this is going to go away. But one of the ways that you keep it alive is what you're saying is that you, you sweep regularly and I love this idea around money, like clearing out clutter, because that just makes space for for new things to come into your life, and also kind of looking at like what, where are you? What are you tolerating?
Speaker 1:Like the couple of weeks ago I actually I'm drinking out of it now, but I have this like tall, clear cup for water that takes a straw, but I had lost the straw, like months ago and like every time I opened the cupboard I would see this cup and I'm like, oh, I want to use that cup, but I don't have a straw and, for whatever reason, I wasn't buying myself a new straw. And so, like a week or so ago, I went to Starbucks and I bought. They had like this little two pack of straws in this really cool little zipper pouch and I have two special straws. I can't tell you. It's so simple and so dumb, but it's like this luxury in my day is. Every day. I get to fill my cup now and I have it at my desk and I'm drinking more water and it checks all these boxes and I can't believe that I tolerated that for so long.
Speaker 1:So like bringing these little tiny luxuries yes, okay, maybe we will A whole episode.
Speaker 2:I'm a big believer in profit first and some people that take on profit first can get into a scarcity mindset. I don't think that's Mike's intention at all, but I've seen it in practice, and one of the guys not. If this person ever hears this, I'm sorry, but he was talking about his chair and how one more day I'm going to make it one more day with this chair and how that was him like choosing not to spend money in his business and this chair was like lopsided, ripped, the most disgusting thing. And you just think about like what are your chiropractor bills going to be like because you're sitting in this chair?
Speaker 2:and like what you know. So is this like little $50 maybe thing that he could replace and feel good in all day long, and he had this pride in keeping it, and so that was just one of those like what are you tolerating is a great way to say it. Or I've got one more story like that to tell and it's in our house. My, my grandpa owned our house before we took it or before we bought it, and I grew up there as a little kid and from when I was a little girl and before that, I'm sure so 50 plus years probably the downstairs bathroom didn't work right. It just didn't flush well, it didn't work right.
Speaker 2:Every party, every, anything, everybody would be warned about the stupid bathroom. It would freeze. There were all kinds of issues and when we got the house we wanted to fix that and it cost $400 to fix that bathroom and it's worked perfectly for however many years we've been there and it's like such a small thing. That was like you had to adjust your life around that bathroom and go to a different one because of that issue. That was a $400 fix, you know, and it's just so interesting. There are so many places we're doing this in our lives and there's times where it's fine to tolerate the thing, like it's not going to make a difference for you. But there's times where just that tiny little change, or could be a bigger change it has infinite number of benefits to it to make that and it's worth making that investment. And there's probably places all over our lives that we could find examples of that Right?
Speaker 1:Yes, I love that, so be on the lookout everyone.
Speaker 2:Yeah, clear, clear some of that up.
Speaker 2:Another great one and this can be really fun is like I know everybody, we've got our change jar here and we've got another thing over here and then we got we have gift cards and you can start to collect this stuff and either because you don't feel like dealing with turning in the change or the gift cards a lot of times that can come from a well, I'm saving it for something really special.
Speaker 2:I'm guilty of that at times, but that's stopping the flow of money, it's keeping it stagnant and again, like not creating room for it to come in. So kind of a fun way to think about that with your money is go use that cash in that change and go do something fun or turn it into bills you can actually use, or go spend all your gift cards and go have fun with them. And or maybe on your money dates you like my next four money dates, I'm going to use these gift cards like what a creative approach to handling your money in a different way. That could feel really fun and bring again lightness and flow and spaciousness around your money.
Speaker 1:You just reminded me of an old memory from when our boys were little and we didn't have a lot of money and we I think we talked about this on the empowered spending like we wanted to be generous but we didn't really feel like we had the means to be generous. And I think I read this story, a similar story, in a book, and I was all inspired. But we like started this big jar, we started filling it just with the coins and stuff throughout the year and then on Christmas Eve we took that big jar. The four of us we got in the car, we took that big jar and we found like just a random porch to go put that on Christmas Eve. And that was just like. I mean, it brings tears to my eyes right now, but it was just like the so joyful and fun thing that we did and just to think about how that person found that and was surprised, you know.
Speaker 2:So yeah, that gave me chills. Like that check talk about checking all the boxes Like that's incredible and that's just creative. You got to be creative and like what a way to get in the spirit of Christmas. I love it. Yeah, I think I've got one more Such a great conversation that I wanted to talk about spread, like your money has to be tracked in a spreadsheet.
Speaker 2:Who says that you have to use a boring check register for you doing it, or who says, like you know, some people would just avoid it because I don't deal with spreadsheets. So even who says it has to be on a spreadsheet and so something I've played with you and I've actually done some of these things together but is like finding creating like fun trackers, right, like there's infinite number. You can get some on Etsy or you can build them yourself. You can just draw on a piece of paper like something that is fun for you. It can be color, for me it's gotta be colorful, it's gotta be, it's gotta like include elements that are important to me. But like, let's say, I want to increase my sales in my business and I know I need to kind of track my activity to get there.
Speaker 2:Well, I can do that in a spreadsheet, or I can make this little chart that I get to color in as I have sales calls or as I, you know, close the sale, I get to color that in and there's, I do know that there's some neuro pathways that are created with that.
Speaker 2:It helps make you know you're kind of writing down a goal, which is more likely to make it happen. But it's just more fun and and people are more apt to do that if it's just more fun. So in introducing true creativity, like creating a little art project for your goals even if it's kind of some of the boring money stuff we'll make it more fun. Just one popped in my head let's say you want to pay down a credit card and you know you could do a little spreadsheet on something and that would feel kind of boring and gross. You're not going to do it. But if you were to write up a sheet about that payoff plan and draw some pictures on it and create a little chart you could color in as you're paying it off, that's going to create more incentive to do it, lightness around it and you're more apt to remain focused on that goal and get it done.
Speaker 1:Well, and you're visually like coloring in that progress and seeing that progress in front of you. So fun. I love this idea and I think a lot of your clients are probably creative in some way, and mine are too, so I'm sure people listening are going to love that idea. What is your favorite creative money practice? Kelly Marshall, probably.
Speaker 2:I have a million that I play with from time to time, but the most consistent one that I do is my income tracking. So I and I just use my planner, but I always have a fun planner and it is in papers. This is my current planner. Not that anybody can see it, but I'll show Carla flowers.
Speaker 1:It's got lots of color.
Speaker 2:It's very fun I take the calendar page and I write in my my goal on the top and then I just have pencil and I write in the days that I receive money and I keep track of that through the month and it helps me again stay focused on my revenue goal. But I swear it also is magic, cause it um, and at first I can I always set a money goal. That's a little bit of a stretch and like, like right now I have a stretch goal on there and so for a couple of months I may not meet that and then all of a sudden I'll start to hit that stretch goal and it's like, oh my gosh, and I could have just lost track of it. Like, if it's, I can look in my P and L. Of course it's there.
Speaker 2:I'm a bookkeeper but that's not fun to me. But when I track it this way and I get to celebrate it every week, I add it up on the Saturday of the calendar, I get to celebrate it and something magic happens and before I know it I hit the goal. So that's my very favorite creative, consistent practice. I always do.
Speaker 1:That is so awesome that I want to reiterate what you just said. To make sure people got it and make sure I got it. But you've taken just a paper calendar planner and you've made it sort of your money calendar and you start by putting your monthly goal in it. Is that right, yeah? And then you're tracking on the days, like when money comes into your life and I you did an exercise with me in this, I think years ago, but so it's not just money in your business, but it could be like you got a refund check for $10 in the mail and you log that like any money that comes into your life.
Speaker 2:Uh, and then I tend to focus mine on business. But absolutely this can work in personal life and I can guarantee people heard that and they're like well, I get paid twice a month. What do I need to do this for? But that's a great point, because money is surprising and how it can come into our lives. So if somebody gives you something, like they gift you a coffee, you could even choose to track that. So you make the rules. You could track whenever somebody gives you something, when you find money, when a surprising check comes in the mail Some people even do when they save money on something, they'll start to track that.
Speaker 2:Because if we're being intentional about how we're doing stuff and we want to call in saving more money, you could track how much you're saving and that becomes then a more fun way to meet that intention and that goal. So you make the rules, but at the base track every penny that comes into you, whether you found it on the ground, outside your car, or you got paid in a paycheck or you got paid by a customer. If you're a business owner, and put that in your little fun money tracker and watch it grow.
Speaker 1:I love that and you could bring that to your money date. But also it feels like you're also sort of flexing the muscle of receiving, which I know is something I've had to look at in my life where I, like, was playing a gatekeeper, like, okay, this kind of money and receiving is okay in my life and maybe this isn't okay, but it feels like you're flexing that muscle too, which is important yeah.
Speaker 2:To give a real example of that, I had a client who only celebrated big money days in her business. So if she didn't get a check for $10,000, it didn't count, kind of kind of a thing. And she was struggling. And when we started this it gave her the permission to celebrate literally pennies or or $100 payment for something, versus only the big wins. And so that's where the magic comes in, like the energy of it. It gets you looking for more things, it gets you acting a little bit differently, but I also believe it just kind of stays in that flow and positivity and encourages more to come. You don't close that door energetically to the little money you know in her example yeah, that's funny.
Speaker 1:It just made me think I found $6 in the dryer the other day and I'm like I know it came from Quentin's pockets and I'm like this is my reward for doing the laundry.
Speaker 1:Your laundry tip yeah, thank you Okay. Laundry tip, thank you, okay. So much good stuff. Thank you so much for stretching our minds and helping us think more creatively and innovatively around money. Before we close, I want you to tell people a little bit about what it looks like to work with you, like, give us a picture of and maybe this ties into that. I know it does, because you've helped me think creatively so much about money.
Speaker 2:Yeah, I have a few pieces of it. I mean, the at the foundation is our bookkeeping services. So we do bookkeeping for small businesses, mostly conscious entrepreneurs, mostly service businesses. So that's one way we serve people and kind of the next layer to that is I do have some of my clients choose advisory on top of that. So we'll meet typically monthly some are quarterly to make sure that they're on track with their goals. It runs the gamut between money mindset to cashflow forecasting, like it can be as energetic or as practical as it needs to be.
Speaker 2:And and that's the gift I get of you know, when I work one-on-one with clients, I do offer coaching outside of that, and that's probably going to evolve between where we're recording this now and when the podcast airs. So I would say stay tuned for that. And if it's something where you're like I just wish I could talk to you about it, there's always a free strategy session to talk to me about where you're struggling with money. I definitely have more of a focus on the business owner, but I have worked with people who are also not there, but I tend to just love to focus on the business side. So if it's something that somebody wants help with there. They can just book a call and we can see what's a fit. But hopefully by the time this airs there will be potentially a group coaching opportunity that I'm working on.
Speaker 1:That's exciting. And then, where can they check all of this out? Where can they find you?
Speaker 2:Okay, so my website is TaraCareFinancial, so it's T-E-R-A-C-A-R-E TaraCareFinancialcom. I have a Facebook group the Prosperous and Profitable, conscious Entrepreneurs. I like to hang out there. And then I have my Instagram is currently kellymarshall.8, but we'll most likely be shifting to something that says TerraCare. There's always a TerraCare hashtag, but there'll probably be something TerraCare Financial for my Instagram handle. I want to update that Amazing. The link will be on the website.
Speaker 1:Yeah, so go check out Kelly's work. I am a huge fan of you and the work you do and you've inspired me so much in my business life and continue to like we just. I just hired Kelly last week to help me walk through the kind of rethinking my programs and what that looks like and it's. You're an incredible thought partner and thank you today for just inspiring us to look through the lens of creativity and innovation and bringing all of these other parts of ourselves into this conversation so powerful. Thank you so much.
Speaker 2:Thank you for letting me be here and inviting me in and talk about my favorite thing so great.
Speaker 1:Thank you for letting me be here and inviting me in and talk about my favorite thing, so great, thank you.