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EP72: How Kimmora Budgeted, Saved and Paid Off Debts In 6-Months
Episode 721st July 2022 • Boss Of My Money • Esther Bangura
00:00:00 00:52:59

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In todays podcast episode Kimmora shares her experience on the 10 Pillars For Financial Success Accountability Programme at Boss Of My Money. Kimmora Ward, an Auditor by profession and self published poet from Montserrat. Kimmora has been able to pay off debts, save money, and is preparing to start investing. Make sure to check out Kimmora's poetry collection Inner Reflections: Thoughts that came from within, which is available on Amazon.

You can find Kimmorra @Kimward2586 on Instagram

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Transcripts

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Hi there.

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Welcome to episode number 72.

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Today is a very special episode because I have a special guest with

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me that I will be interviewing.

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And her name is Kimora ward, and I'm gonna get Kimora to introduce herself shortly.

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But the purpose of her being here today is to share her journey

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and what it's been like for her.

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Been on the temples of financial success, accountability program.

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Kimora was part of the beta launch that we did amongst group of women that decided

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to take on the challenge for six months.

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So they were basically stuck with me for six months.

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And it's been an amazing journey and Kimora has been like our, a

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student, her and another me member.

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She showed up to every single call.

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I think there was only one that you may have missed because of work,

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but you showed up, even if you could only show up for the first part you

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did all the homework, you watched all the videos, you took action.

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You attended all the coaching calls.

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Introduce yourself so that everybody gets to know who you are and what you do.

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Hi, my name is Kimora ward.

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I am an auditor by profession.

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I live on the island of Montserrat.

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I love reading.

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I love music, love listening to music.

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So that's just a bit about me onto.

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I think you forgot to mention that you are a self-published author.

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Yes, I am a self-published author.

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Yes.

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Yes, my dear.

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Thank you very much for that.

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I did forget.

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That's and so Kimora has a book of poetry.

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You can find it on Amazon.

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It's called inner reflections thoughts that came from within, and you can

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actually get it on Kindle or paperback.

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I have it.

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And like I mentioned on.

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Episode 49.

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So if you want to go back and listen to the previous episode that Kimora

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was on, you will find it on episode 49, where we talked about finances

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and managing your mental health.

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But Kimura's book of poetry is absolutely amazing.

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It's part of my devotional collection.

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You won't be able to see this when you are listening to the podcast,

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but Kimora can see it on the camera, but I have my books here and it's

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amongst my, I have four books where I switch between devote devotion.

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So absolutely love it.

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So yeah, go check it out.

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Thank you, Esther.

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Thank you for that.

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You I'm most welcome.

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So happy to have you here today.

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So we're gonna get straight into it.

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I've got a set of questions that I'm gonna ask, and we're just gonna talk

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about your journey and what it's like for you to be on the program.

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So to get started.

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What was your financial situation when you decided to join the temples of

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financial success accountability program?

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Okay.

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So when I decided to join the program, Was in a state where I wasn't that badly

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off because I had done a session with you.

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Yes.

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Which helped me to get back my footing.

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As I would've mentioned in the previous podcast, I was a person who loved to

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save, or I am a person who loves to save.

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And then, and therefore, because of advice given to me by my.

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was almost able to save, close to $20,000, just being a young person

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coming out of school and stuff like that.

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However, I reached the point where due to challenges due to going on a

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plane every year, not watching my not watching my finance finances closely.

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I actually.

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Managed to slip into the ditches, and I be became debt full of debt.

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So when I joined the program, I got out of aro because like I

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said, I did the session with you.

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So I had pretty much a good.

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In good information about what I should be doing, which is budget.

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That's the main thing I should have been doing, budgeting my funds, seeing

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what my plan is for my money and just letting my money work for me.

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I guess that's investing, but still, yeah I run with that.

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I run with the 10 pillars of.

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Finance and I listened to what you had to say.

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And to this day it has been helping me extremely, and I am grateful,

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truly honored and grateful to have been a part of a group of women who

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held each other accountable for their actions, their financial actions.

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Amazing and amazing.

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And you were right that we had first worked together.

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To do your budget and you were very consistent with that.

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I must say so.

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Like when I have these sessions with people, it's we sit down, we

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do the budget, we go through your success plan, how the things that

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you can do to make this budget work.

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And then it, I just prayed to God.

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I'm like, please Lord.

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I've given them everything.

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Their goals are achievable.

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They have the finances to achieve the, their goals.

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I hope they put it to action.

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And you were one of those people that you were consistent with your budget.

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And so by the time the financial pillars program came, it was

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almost like, okay, the next level or the next step, of for you.

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So based on that what were your.

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Six month goal when you joined the program and why were those goals important to you?

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Yes.

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So I can remember at the startup, I had some goals.

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I think I met them right now.

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One of them were to.

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Yes.

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Reached 10,000 K by the end of the year.

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So I think if you can just tell me when that program has started.

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I think it was last year, October, September, end of September.

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Beginning of October.

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Yeah.

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And her kid, you're not, that's what I told myself.

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I said a six month goal would be to reach about no 10 months at the

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end of the year, but that wouldn't have been six months, but I.

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I am going to put that as a goal.

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And I, kids did not.

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I achieved that goal by some form miracle.

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I don't know, amazing.

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I did achieve it and I actually closed my vehicle alone.

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That was another goal of my, to close my vehicle alone.

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I did that in December of 2021.

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And also, yeah, those were the two main ones.

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I.

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In my head, there was another one in my mind.

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There was, there were three of them, maybe it was something relating to

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invest investing, but I'm not sure I'm not quite certain because I've all.

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Yeah.

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I think you, you wanted to start exploring what your investing options were and yeah.

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What you could do as you were reducing the debt and having more

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disposable income available, how you can start, put putting that to work.

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Yeah.

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I think those were the three goals.

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And why were those goals important to you?

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Why was it important for you to pay off the vehicle alone?

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To save the 10 K and to want to start investing because Esther, I don't like

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owe nobody I don't even like to owe.

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I don't like to owe nobody.

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I don't owe nobody for no lump sum of money.

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What I go, I just want you to have your money here.

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Take your money.

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I don't want it.

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I, if I borrow a $5 from somebody, they getting it back in two seconds and I

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don't go around borrowing money anyway.

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So it's.

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A customer thing of mine, but I just don't like that.

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And another thing is I love freedom, financial freedom, so I wanted to be able

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to save the amount of money so that I should just do what I want with money.

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Be it, give it to someone if they need it.

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Be it travel, be it buying clothes, be it just doing what people do with money,

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so that's just me, financial freedom.

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That's my why.

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And that has always been my why, I remember reading Bo's

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book and what are your whys?

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And my biggest, why is I want financial freedom and I also

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want to be a philanthropist.

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I don't know why, but.

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Yeah.

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And you have that in you and for anybody who doesn't know who Bo is.

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It's Bo so can be from cleverer finance.

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She has written three book series and her first book save money, ditch debt dads.

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Yeah.

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And then there's, she has an investing book and she has a business book and

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she also has a fourth book, which is coming out next week, actually July.

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July 6th, it's coming out, but her fourth book is about her and her story.

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I will be having her on the podcast sometime in July.

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Yes.

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So you guys will get to meet her.

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Paula is like our mentor when it comes to finance.

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Yeah, she is.

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Yeah.

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Kimora has like the books and reads them.

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Yep.

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And what I love about what you said is that, one, you just, you

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don't like having debt, right?

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So it's like just eliminate it.

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And sometimes we do have to take on debt, but just because you take on

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debt, some people get too comfortable with the debt that they have, yeah.

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Because remember there's good debt.

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There's good.

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Debt like a mortgage or something.

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Yeah.

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So there's good debt, but I'm not discrediting.

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Per se, but I, for some reason I have a problem with just

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having a lump sum of money.

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And like you said, becoming comfortable with just owning that lump sum of money,

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as opposed to taking action and seeing how you can eradicate it, Exactly.

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And I think it's so important to have a bigger why.

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So your bigger, why was to be financially independent and to have that freedom?

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Cause when you think about it, like budgeting on its own is it's not fun.

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There's nothing fun about me having spending limits.

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, there's nothing fun about that.

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There's nothing fun about.

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Me having to give someone money back.

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I wanna keep the money for myself.

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But then when you have a bigger, why, that kind of helps you or motivates you

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to be able to work towards those goals.

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So how would you say.

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Or what specific things did you do to pay off the debt to save money?

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And how did the program help you to achieve those things?

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So what did you do specifically?

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Maybe you can name like one or one or two things that you did, actions that

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you took tools that you used and how the program helped you to achieve.

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Okay.

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So let me start off by saying, I just followed your instructions.

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I made sure I came to your classes and I watched you, by

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the way, you're easy to listen to.

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So it was just easy to just say, okay, I'm I have this class,

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I have this coaching call.

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I'm gonna meet up with the girls today.

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And it was easy to do that.

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That's.

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I'm glad for the accountability group.

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And because of that, not only was I keeping track what, not only were

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they keeping track of my, goals, but I was actually writing my

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goals down, keeping track of my own goals, keeping myself accountable.

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And what I did was I actually had no spending.

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So it's I would have days where I literally don't spend money or I would

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decide that, Hey, no X, Y, Z today.

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No, I just would make sacrifices, and if I bought it is just let me see.

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It's just a case where you have to make certain sacrifices.

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Yeah.

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You can't just have your cake and eat it to you.

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Wanna get rid of debt.

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You wanna get your.

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Your savings built up.

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You have to make certain choices and certain wise choices at that too.

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You have to think about what you're doing and that's what I did.

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And like I said, I just basically followed your instructions.

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I listened.

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I listened to you and yeah, not only did I listen to you, I pretty

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much did what resonated with me.

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Most of what you said resonated with me.

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And I said, okay, this makes sense.

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So lemme get, when I did it, it worked for me and in my favor, yeah.

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Like I said, I would've managed to reach the 10,000 K at the end of the

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year.

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And it's like, I.

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If you knew what I had at the beginning of the year, you would

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say, wow, that's a fact cry to the 10th at the end of the year.

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Yeah.

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So God is just good.

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And when you think about how he uses his.

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People to help us, like yourself.

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And I would say, let me make mention char cha I love Charlene cha was just

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one of the members that stood out to me and I must mention her Charlene, Paul.

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She.

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Was giving me stiff competition.

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I said this girl, but I still enjoyed all the female.

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They caught their company and I enjoyed the calls and it was a good time.

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It was a good six months.

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It really was.

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And I honestly feel like the program wouldn't have been as it was, if you

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hadn't joined, I feel like you definitely made it even the more special you

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were so helpful towards the ladies.

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You were always given words of encouragement.

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Kimora would come with these.

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Gems and these words of wisdom, if we thought we felt encouraged, wait til

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Kimora just shares her words of wisdom.

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So it was just always nice to have you, because you would

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always just encourage all of us.

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Cuz it's a journey that we're all on and we have our good days, our bad days.

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Yeah.

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And it's even though we are all working.

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On our own financial journey, we can still be an encouragement to someone else.

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Even whilst you are paying off debt, whilst you are working on your budget.

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Whilst you're trying to save money, whilst you are trying to build wealth.

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And for me, this is why Encouraging women to be so open about money, to

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talk about money, feel comfortable about money, the same way we talk about hair.

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We talk about men.

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We talk about our parents.

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We talk about our siblings.

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We talk about the church the same way we talk about TV and the government, right?

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It's the same way that I want us to be able to have these, informal conversations

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about money, where there's no shame.

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There's no judgment.

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It's not about how much you have in your bank account.

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It's not about how much I have in my bank account.

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It's about the goals that we have and the life that we wanna create and how

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we can support each other in doing that.

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So you were such a great support system in the program.

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So I just wanna personally thank you for showing up and for being such a giver,

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because it really does help and it makes.

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You know the difference and I'm grateful because I had a really

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nice bunch of women in the program.

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Like I've been on programs and it's the women are mean to each

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other and they don't get along.

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And it makes it very difficult for the coach.

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But.

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You guys were just so amazing.

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Very supportive.

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Yeah.

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And yeah, you and Charlene were like neck to neck.

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Cause we did a competition and I was given like prize prizes for I think I gave like

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first, second, third price and whenever.

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The members will take action.

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They'll get points.

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And so like Kimora and Charlene or neck to neck, and then , but I had a feeling

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you would win because you are so proactive and . I think one of the things I noticed

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about you was that you were consistent.

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You were very consistent with the time and the commitment, like you signed up

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to a program, you spent money on this program and you were gonna show up.

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Do you know what I mean?

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Yeah.

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And that level of commitment alone, when people show up like that, I

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know they're gonna get results.

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I know that how they started.

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There's no way that yeah.

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That you can be consistent with something and not get results.

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I don't care what it is.

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It might not be perfect, but there's no way that you can still

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be where you were when you started.

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So just your level of consistency and you were very coachable as well.

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And as well, you had fun with it, and you were very open.

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I think you've been open.

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it allowed me the space to be able to coach and to be able to offer my guidance.

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And a lot of it wasn't even like advice.

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It was more, these, this is the situation.

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These are your options.

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Like decide which way you wanna go thing.

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But yeah, you were just an amazing a star student, so I really

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appreciate you being in the program.

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So I'll move on to the next question, which is about, and I guess I just

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mentioned it a little bit on it.

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How did you keep yourself accountable and motivated throughout the journey?

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Yeah,

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You know what?

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I'm very like an academic person, so I like academics and I put myself

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in the zone as if I was in school.

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So I thought about it as if I was doing a course and I had to do assignments.

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And I just schedule times at which I will do the assignments

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and then say, okay, after this coaching card, I'm gonna do a bit.

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The assign the homework or whatever.

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So that's actually how I did it.

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love it.

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So I love that, that you approached it with that kind of mindset, cuz I

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think, yeah, some people, when they approach like group coaching programs

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or any course that they sign up to, they forget that you do have to put on.

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Kind of student and learning mentality.

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Yeah, you have to decide, okay, how much time am I gonna dedicate to this?

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When am I gonna do the homework and keep track of that.

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So I love that you went in it with that mindset.

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Yeah.

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Yep.

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And were there days that you didn't feel like doing.

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Do you know what I mean?

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Cause some days it's I don't wanna do this.

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I don't wanna talk to Esther about my finance.

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I don't wanna no.

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It was never like that for me.

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I actually like it.

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I like it.

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I am a person who likes to speak about finances, personal

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finances, getting my money.

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Because like I would've said in your, in the previous

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podcast, Girls about her money.

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I'm about my money.

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I want to make sure that my money is right and in order to do I

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have to do what needs to be done.

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You understand?

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So I cannot be letting things fall by the wayside or slacking on my budget

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or, just, I have to be on top of things and I will, I am going to be honest.

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There's not, I do not do a budget all the time.

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Sometimes I start off with a budget.

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I don't follow up every day.

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Cause remember you would've had advisors to do set out time during the week

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to check on your budget and stuff.

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It's not every week.

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I look at my figures and stuff like that, but yeah, I am more

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consistent than in times past.

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Yes.

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Yes.

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And I think as well, because you have so much of your personal

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finance, that's automated, it makes it easier for you where you don't

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have to be budgeting all the time.

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And that's kinda where you wanna get to where everything's automated, you've

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set the rules already for your money.

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What's going where, so then that way you don't have to have eyes all the time.

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But you have to do the work in the beginning to get to that place.

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Yeah.

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So I say to people like you don't have to, sit down and budget all the time.

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If you get your financial house in order.

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Because budgeted it can be a lot.

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And I think for me, there was a phase where I didn't even read I would

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spend five minutes on my budget.

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Because my income and expenses were the same every month.

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Everything was set up as an automated payment, I'll get paid

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and money would just distribute to where it needed to distribute.

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So all I was really doing was just monitoring, that was what

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my budget was for a long time.

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I was just monitoring to make sure that things went where I wanted it to go.

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Amazing.

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Excellent.

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Yeah.

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What shifts would you say that you made in your mindset, behavior, and habits to

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help you stay on track with achieving your goals and continuing to make progress?

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Do you know what of the shifts I've made actually has to do with giving?

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So in order to.

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You must give to give is better too than receiving.

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So yeah, I would say I actually, we would have those, we would get that

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advice to like Thai and give offering and stuff like that, and give to

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the needy and that kind of thing.

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So what's coming to my mind, as I heard that question was.

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I became someone who was more, and the more I gave it's

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like the more it came for it.

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And it's like, I don't even know where it's coming from.

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It's here you go.

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And sometimes I don't have it to give, but I would give it.

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And that kind of helped.

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I dunno, but it just did.

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And that is like a biblical principle.

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So yeah that, that's one thing that worked for me and the mindset change as well.

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Was that.

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I came out of the lack mentality and that ties in with the giving part, because

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it's when you feel like, oh, I don't even have you, what I'm seeing demo.

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Get it from you.

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That was a bit of dialect for you.

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yeah.

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Listen, I understand in I'm from Sierra Leone and we speak

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Creole, but it sounds like OI.

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It's just, we pronounce certain words differently, so you can

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go as deep in it as possible.

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I understand everything.

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Okay.

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Okay.

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Okay.

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I dunno if the audience will understand, but yeah, I completely understand.

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Okay.

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So what I just said was.

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I don't even have the money, so why are they gonna think that I should

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give them my money and I don't have it, but then at the same time I get all

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of that thinking and I said, you know what, maybe they needed more than me.

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Or have you ever thought of that?

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I had to ask myself the question.

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I would always get this a result with me.

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Yes.

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Because I was in a better position, to look after myself

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as it relates to finances.

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And I would just say, you know what?

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Here you go, God will bless me.

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That's what I would say in my mind.

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Here you go.

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God will bless me.

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Here you go.

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God will bless me no matter what the situation would have been.

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That's the mindset I had, and I just like right now I have uh, wealth mindset.

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Yeah.

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That's my mindset.

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And because I am the type of person who reads a lot of positive books,

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Think and grow rich, the power positive thinking, Norma Norman,

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Vincent feel the power of your subconscious mind, these sort of books.

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They have reprogrammed my subconscious mind and help me to think in a new

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dynamic, even the Bible, would've helped me to create certain mindset

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shifts, and help me to be living in a.

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What to say easier, have a more easier lifestyle, yeah.

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As opposed to thinking, why is me?

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Or I had reached this pinnacle now I'm flat down on my belly

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scraping on the ground like some snake, but at the end of the day.

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Yeah.

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But at the end of the day I have to switch and say, I am a Victor.

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I am the head and not the tail.

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I am good child.

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I am good child.

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Look at the world.

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The world is so full of the world is prosperous.

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All that's on the earth is man as well.

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I can do all things through Christ who strengthens me, all these little things,

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would help me because I am very spiritual.

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So yeah, these things would've helped me along the way and

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yeah, it just, it, these are.

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Helped me shift my mindset, and I cannot forget the giving part.

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That's one of the things that I still help.

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No I shouldn't steer, but that's one of the things that I think

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helped me to get to where I am now.

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And it's interesting cuz we cover financial pillar too, is how to

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shift your money mindset for success.

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So it's so important.

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What you've shared, just having the right mindset for success is so important even

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before people start budgeting before they start, setting goals and all these

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things really shifting your mindset for wealth building is going to determine.

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How the rest of the things you do go.

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So like you were able to do that very early on and it just goes

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to show how much is paid off.

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And it's interesting because we, I think one of our coaching calls, we

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were literally talking about giving for the whole of the call and we

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were encouraging each other to give.

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And I think for me, it's been where, like I got to a point where I became

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resentful of giving because for me.

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Part of my giving was almost like wanting acceptance and

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I had to get over that phase.

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And then I went into a phase of I'm not giving anymore because

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I need to sort my finances out.

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Yeah.

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And then I had to get over that phase because I realized very

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quickly that staying in that kind of mindset is actually keeping me.

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In that scarcity mindset and in that lack of mentality, and I had to very

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quickly shift from that and be like, no, I can have my finances in order

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and I can still be a giver, and as Christians, as you and I are, part

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of us building wealth and everything.

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Big part of that is given, given of our tithe, but also given to

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the needs that, that we come across the needs that are around us.

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And I think for me, similarly to you, when I started asking God, and this

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is a very strange prayer, don't pray onto you already . But when I started

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asking God, Lord, bring me someone with a problem today that I can help.

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I'm not trusting in myself and in my resources , I'm like, Lord, you

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are gonna make provision through me.

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And I'm telling you once I started to pray that way, like God will bring needs to me.

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People will mention stuff, and it's not even that they're mention it

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to ask you, but they will mention something and God will be like,

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I want you to do this, and this.

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And I'll be like, Since you are telling me to do it.

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I know that you've made provision and given more, has really opened doors

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for me, especially like in the month of June, like in the month of June,

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so much has been going on and a lot of shifts and changes personally.

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And I was like, Lord, I need a miracle.

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And I, followed from that.

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I was like, who can I bless?

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What can I do for someone who's life?

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Can I change, who's life?

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Can I make a difference too?

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So it's such a powerful thing to do, right?

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It is always better to give them to receive.

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And I was actually saying to a friend of mine, I said, we complain about

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the black tax, especially for us immigrants that are abroad, where we

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have to work and send money back home.

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Whereas, people that are born here.

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They're not sending their money anywhere.

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And everybody just takes care of themselves.

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But for us, we work, we pay the same amount of bill, the same amount of tax,

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but that money that we could save, we're having to send, and we tend to complain

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about black tax, but there was one day when I was praying and God gave me this

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revelation that actually it's a privilege to pay black tax because would I rather

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be the one on that side receiving?

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Or would I rather be the one on this side?

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Giving.

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That's and once I started to look at it that way, I never gRED again

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about sending money back home.

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That's yeah, that's true.

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Yeah.

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It's when you pray and when you come into communion with God, then is

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when you get your epiphanies then is when you get your revelations.

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And that's why it's so important to have those three moments with

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him and, Center yourself, and then you would get your answer.

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So I'm glad that you would've come to that realization because it's

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a pretty good realization to me.

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It really is.

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I think sometimes we block our own blessings.

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Yeah.

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By thinking that, oh, we need to hold onto everything and we need

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to keep everything for ourselves.

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I just, I always think about, When everybody is financially independent

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and everybody becomes a giver.

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No one needs to suffer.

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Do you know what I mean?

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Right there.

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Doesn't right.

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There doesn't have to be poverty because there's enough to go around

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and people always wanna give more than what they receive, but yeah.

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Yeah.

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Great stuff.

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So thanks for sharing that.

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Another question that I had for you was and you've already, you've

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shared so many great tips already.

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And thank you so much.

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And guys, this is what Kimora does in our coaching course.

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She throws these gems.

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So what tips can you give someone who, has similar girls to yourself and is not sure

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where to start and doesn't believe that they can achieve their financial goal?

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What could you tell them if they're listening to this podcast?

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Okay, so tip number one for me personally, what I do is write down my goals.

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I write them down, Steve Harvey, Oprah Winfrey, these big stars.

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They will tell you no, this humble Lita, oh, I'm not the little girl.

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I'm 36 years old, but this humble woman from Montserrat is now telling

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you to write the vision and make it.

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Write down your goals.

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This little quote is found incr two, two, I think, right?

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Yeah.

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Two, two.

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Yeah.

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Is in the Bible.

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You need to write down your goals and that's all, that's probably the only

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thing I could tell you right now, we start with that and work towards

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every day, looking at them too.

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That's another thing that made the vision plan.

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If you can, even.

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Make a vision board that would add, put the ice in on the cake, and

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have it vision in your eyesight almost every day, make sure you

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see it every day and go from there.

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Another thing I can say to do is be accountable to yourself, or

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if you're not, if you don't trust yourself to be accountable to.

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Find a trusted person.

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It could be your mother, your father.

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It could be a sister, your brother, your cousin, your friend, your grandmother,

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even, it just could be your coworker.

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Somebody find somebody cuz you must have somebody.

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Everybody is most persons have somebody, I know there are some persons

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who are lonely and what have you.

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But I do hope that you would find somebody to hold you accountable.

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For your actions and your spending actions, you have to look at the boss, you

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have, do I wanna save, do I wanna invest?

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Do I want, what do I wanna do?

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Find out your why.

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That's another thing.

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What is your, why?

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Why do I want to be saving?

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What do I wanna save to buy Gucci balloons?

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Do I wanna save to buy Gucci product?

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What is my, why I have to have a why?

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And that way, listen to me when you have that, why.

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That's all the drive you need, you will find the fire comes from nowhere.

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It'll be like, oh, so true.

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I do this cause I'm doing this because I have to do this.

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I have to get this done.

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I have to get this done.

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I have to get this done.

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And if you continue to keep that to the forefront of your

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mind, it'll be easier for you.

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So those are just a few tips that I would have off the top of my

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head, never give up on yourself.

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Never give up on yourself.

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I think what happens to most people is because they don't see

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instant their bank account being instantly filled with money, yeah.

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They lose faith, or maybe they see that every time they get cash,

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either slips away and there could be other things blocking you as well.

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So you need to actually search yourself for those other things, yeah.

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Get to know yourself better, get a relationship with.

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The higher power and, just, yeah, those are my advice.

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Love that.

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So guys, just to summarize,

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Kimora said set goals, write your goals down where you can see them.

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Look at them all the time and re remind yourself of them.

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She also said, get an accountability partner.

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Find someone you trust.

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It just needs to be one person, someone who you.

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You wanna be where they are.

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You can see that they're good with money.

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They save, you wanna learn from them and you want them to hold you accountable.

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And also like things like the accountability program.

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That's why I created it as well.

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Just so that if you don't have anyone, you can tap into these

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safe, online communities where yeah.

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You're gonna be spending time with women who are.

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Working on similar goals and where you can help each other.

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And then Kimora said, know your why?

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So knowing what is the, why?

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What is the end goal?

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All of this work that you are doing, all of this, sacrifices

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that you're gonna make, what are you trying to achieve with it?

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These are such great tips, Kimora.

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Thank you so much for sharing.

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You're sharing them.

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You're welcome.

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You're welcome.

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So just to ask a bit about the accountability program, what

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would you say is the one thing that you enjoyed about it?

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Oh, the camaraderie.

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It was awesome.

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I just love how I loved how we as women, Jed.

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We helped each other.

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We were kind to each other, like you said, you have experienced women

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being mean to each other and it.

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That was nothing.

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There was nothing like that going on in this group.

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And that is what I enjoyed the most, the camaraderie,

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the helping out of each other.

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Trust me, I shout out to Charlene.

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I love her.

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And Ebony as well.

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Yes.

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If anything.

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Yeah,

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I, and I think you, you played a big role in that, and I think, and just to speak

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to everyone, listening, I think when.

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You're in group programs.

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And it's just like what we were talking about given right.

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You sign up to things, you attend things because you want to, you wanna

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receive, but then also be intentional about what you are bringing in.

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The vibes that you are bringing in, what difference are you

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gonna make to that program?

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How are you gonna impact someone's life?

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How are you gonna be helpful?

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How can you share information?

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How can you share what you know, where it's not just about you going and just

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showing up to receive, it makes such a big difference when you also pour into

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the thing that you want to pour into you.

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Yeah.

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It's like a give and take.

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So if not just.

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Any program that you're doing any time that you're working with a group of

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people always think about what can I bring to this situation to make it better?

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So that when all this is done you leave an impression.

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Yeah.

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Yeah.

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Okay.

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So three reasons.

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So guys at the moment, the accountability group is closed.

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So you're not able to join at the moment, but I will be opening doors again in

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a few months, time around September.

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So if you did wanna join, then you'd have to go on the wait

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list or send me a message.

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And I could put you on the wait list, but say there was somebody that was thinking

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about joining they're on the edge.

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They're not sure.

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What three reasons could you give them to consider joining either

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the coaching or the group program?

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Okay, so I'll say, firstly, you will get your monies worth.

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Trust me be it.

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If you're looking for education, if you're looking for encouragement,

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if you're looking for.

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Poetry with the nicest voice ever.

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you should just go for it.

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Oh, that's so sweet.

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It's going to be worth your time.

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Yes.

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And that's number one.

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Now, number two would be you actually learn things that you thought you knew,

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but you just need to get a bit of.

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I just meet on the bones or something.

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So for example, budgeting, you may say, oh, budgeting is simple.

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Anybody could do budgeting.

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What does she have to teach me about budgeting?

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Or what does she mean about changing my mindset?

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I can do that by reading books or something like that, but I tell you.

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Just try out that coaching and it will help you.

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And number three would be to be in a group is better to do it

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better than to do it by yourself.

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Yeah.

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I find like when you do things as a team, teamwork makes

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the dream work all the time.

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And when you are when you feel down and out, somebody can be there in that

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group, encouraging you to do what you have to do, and even the coach will be

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behind you, coaching you along the way.

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So it's easier when you're in a group and I would encourage

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anyone to join the group.

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Yes.

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Because, Hey, you never know you made this.

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Just become a millionaire just by taking this first step, Hey.

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Yeah, love that a honestly.

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And make sure I get a cut of that million.

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Make sure you come back and be like, Hey coach, you know

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that budgeting tip you gave me.

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No seriously, Esther.

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I.

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If you think about it, when you start, you remember your planting seeds, you don't

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know who you're working with right now, and you don't know what ideas they can

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come up with and you don't know what they, where they can take the principles that

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they would've learned in your program.

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So maybe as the time evolves.

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Yes.

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Go ahead and go ahead.

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Interestingly.

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So I, I have a lot of one on one clients and.

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Obviously with what I do, there's confidentiality.

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The people are willing to share their story.

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I can share it, but I can't mention names or I can't give the full details.

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But when I see what people that I work with achieve Kimora , I am just amazed.

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Like I want everybody to know.

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And I think this is why I love the group coaching is because you

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can see that it's possible and you, when you hear about somebody.

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Been able to save consistently for three months, something that

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they've never been able to do.

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Someone who had five debts and now they have two and they're slowly

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exactly working on the three.

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It shows you that this is possible.

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It shows you that you're not alone on your journey.

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I have the things that I see people achieve, by doing the work, by

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implementing the pillars by budgeting consistently, I have a client abroad.

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Who she said to me, one of our coaching sessions, she said,

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Esther, I was able to build my her house boy, a new boys quarter.

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She was able to build a new like studio boys quarter.

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And she said, I don't even know how I managed to get the money.

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But all I know is that once we had our budgeting session,

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I stayed consistent with it.

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And she said, it's one of the things that I am most proud of, that I did.

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So I know the things that people can achieve if they, gave it a

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go and if they committed to it there's no way that you can budget

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consistently and not make progress.

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There's no way that you can set goals.

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Yes.

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It might take long.

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Yes.

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You might go over the initial deadline, but the goal is to

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stick to that goal that no matter.

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You're going to achieve that goal.

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And, personally, like I have had to start over a few times, I've

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saved four months of savings.

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Used it up to build it up again.

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Yeah.

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But I have the tools, I have the tools to do that and because I've

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done it once I know I can do it again.

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And when I use my savings, I don't get upset because I'm like, no,

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but that's what I saved it for.

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So that I can use this thing.

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There you go.

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yeah, exactly.

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Yeahing pointing point, just say to your audience here, I was planning

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to take a vacation in October thereabouts of this year, right?

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So I was saving up constantly putting aside my monies to

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take the vacation in October.

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Now my birthday was on Saturday gone, and I just came up with the

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grant idea that I'm going to be taking a trip, to a different island.

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And I was like, Am I going to be taking a trip to a different island?

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I have a saved amount of money I wanted to save, but that's not

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the point you have the money.

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Anything is possible.

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I'm not saying I'm gonna die or anything, but life is made for

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living at the end of the day.

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Yes, we must be saving.

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Yes.

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We must be vigilant and stuff like that.

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But at the end of the day, you also must have that notion.

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You can start over again.

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I liked what you said when you said that, because it's not like when you

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use the money, it's not gonna come back.

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That's a part of the lack mentality, Esther, when you have, when you

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think that when you spend the money, you're not gonna get it back.

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That's a lot mentality.

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Yeah.

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Okay.

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Exactly.

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I want the audience to know that.

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Yeah.

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So let them know that they're hearing you, so they should be aware that, Hey,

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I'm not telling you to go out and spend your last cent and that kind of thing.

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And you don't know where your money's gonna come from and whatever,

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but I'm saying that you also must not be rigid and not be mean to

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yourself, especially, if you just.

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Be wise.

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Yeah.

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Know what you can do with the money that stuff forwarded to you and you'll be okay.

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And I think people on the outside people they get scared of.

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Working on their finances because they think they have to give up everything.

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But actually in our community, we promote having fun.

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We promote having a fun pot set aside money each month.

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That is for enjoyment.

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Where you're gonna.

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Spend that money, guilt free use your money for things that you

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enjoy doing things like traveling, so when we're talking about paying

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off debt, yes, we're paying off our debt because we wanna go on holiday.

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We're paying off our debt because we wanna buy a house we're paying

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off our debt because we're not spending money there because those

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areas are not important to us.

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And instead we're using our money for the things that are important.

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So actually working on your finances.

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Doing all these things, it is actually for you to have the life that you want.

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Because if you think about it, people are working their butts off.

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They have two to three jobs and they're not enjoying their lives.

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They're stressed.

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They worry, they're living in anxiety.

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They're living in fear that if they lose their job, what will happen, so imagine.

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You're not even doing anything and you're going through all that stress.

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So the idea is that once you take control of your finances, you are

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able to make your money work for you.

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Like Kimora said, tomorrow's not guaranteed to any at anybody.

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And that's how I live my life now, like I was in a job that I wasn't enjoying

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and I had to say to myself, okay.

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Esther if you were given three months to live, will you still be at this job?

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I was like, no, I would not be, I will resign today.

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So why are you continuing somewhere that is making you

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unwell, and you are not happy.

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And something, it was a very hard decision to make, but the minute I made that

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decision, my health improved and I was able to then plan for my next phase, yeah.

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I don't know why I even got into that tangent, but

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yeah.

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It's OK.

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It's OK.

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It's OK.

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Yeah.

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I agree.

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I agree.

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I agree.

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Everything you said.

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So Kimora, just to round off what goals are you working on now?

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What are your future goals?

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And what is the next phase for Kimora?

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Okay, so basically pretty much.

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Continue with my savings.

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I, like I said, I'm a saver, but I also wanna get into

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investment, because investing is making your money work for you.

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So doing investing is on my mind right now.

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And the, that is my future plan.

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Seeing what my PO, what my options are and that kind of thing, seeing.

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Who I can work with what I what I can invest in and that kind of thing.

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I also like the idea of real estate.

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Just so I an idea, I wouldn't mind getting into doing some real estate, but yeah

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I have big dreams and I do hope that.

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Gives me or affords me the opportunity to accomplish my dreams.

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I was made one year older on Saturday.

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I was made one year wise and I do hope that with that being said, I will

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be, the angels will smile upon me.

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God is smile upon me and say, We're here to help we're here to help.

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And that my walk on earth would be, it would be something to smile about.

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When I when I look back, I would say, I wouldn't have

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wasted my time here, so yeah.

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Absolutely love that.

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And guys, you can tell Kim is a woman of poetry, just even how she speaks.

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She's just such a poetic person.

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her choice of words is just absolutely BU like you say, you like listening to me.

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I like listening to you.

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Aw.

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Thank you so much Kimora.

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I think, from the outside looking in, like I admire everything that you

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do, everything that you've done, the sacrifices you've made, the way that

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you are committed to yourself, right?

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You are committed to yourself, achieving financial freedom and

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you are not gonna let you know.

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A mindset or fear or any bad habit get in the way.

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And I just love that about you, that you are very grounded person

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and you know yourself very well.

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You know what you want.

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And as long as you are given the tools and you have that level of

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support, like you make things happen.

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So I wanna give you full credit because.

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You basically did the work like, yeah.

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I was there to guide you and to encourage you, but I I always say to people

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that I, you can't motivate people.

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So when people say, oh, make me feel motivated, nobody can motivate anyone.

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You have to figure out a way to motivate yourself, yourself.

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You have to be motivated.

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Yeah, exactly.

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Yeah.

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And then whatever tools you are given, whatever support you are

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given, that you can use that and run with it, but there's no way that I

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can come and give you motivation if you're not motivated for your own.

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How is me being motivated for you going to help?

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I could be motivated for you all day, but if you're not motivated for yourself,

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then how's that gonna get you anywhere?

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I'm super excited about your next phase of your journey.

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Yeah.

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Which is investing.

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And I know you're gonna do great with that because you are a very

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wise woman and once you know what you need to do, you just get on with it.

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I'm really excited about that.

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And I just wanna say thank you for being on the podcast.

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Thank you for being such an amazing.

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Student an amazing coachee.

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You made my role very easy and just the impact that you had on the group

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and on the other women is just amazing.

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Everybody loves Kimora.

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So thank you for just showing up and being yourself.

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Are there any final words?

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And then you can let the audience know where to fight you.

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Okay.

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Just to say to the listening audience.

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Always believe in yourself.

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Always have goals, set goals for yourself, never give up on yourself.

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Even when you feel discouraged, it matters not if it's a financial goal, whatever

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goal it may be, whatever dream you have, just go for it and be godly, a lot of

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persons don't share the same religion or whatever you might maybe, but at least

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know that there's a higher power know that there's someone who is behind the scenes.

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So that those are my last words.

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And you can find me at Kimora ward.

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That's K I M O R.

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Ward w a R D and that's my Facebook.

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And you can find me on Instagram.

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My handle is Kim ward, 2, 5 86.

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That's K I M w a R D.

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That's one, one word 2, 5 86.

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That's my handle for Instagram and yeah, that's me.

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Amazing.

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And guys, don't forget to go on Amazon and get Kimura's book of poetry and

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take a picture and tag her and also tag me if you do get it as well.

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Kimora, thank you so much for being on the podcast today.

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I really appreciate you and yeah.

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Yes.

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I appreciate you too.

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Yes.

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Thank you for having me.

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