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Genecia Alluora: I believe we can change the world, but that first, we've got to stop living in fear of being judged for who we are. Hi, I'm Genecia Alluora, founder of the number one leading female entrepreneur network in Southeast Asia, supporting 1 million women to own and love the F word. Being fabulous, having freedom, financial independence and family. With a challenge to women everywhere to stop talking themselves out of their dreams. So why? Secrets of the Soul Rich Woman Blueprint identifies the excuses to let go of, the behaviors to adopt, and the skills to acquire on the path to growth, confidence, and believing in yourself to be recognized as a leader online, get clients online, and to have more impact on the world.

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Genecia Alluora: Stop believing the lies about who you are so you can become who you were meant to be. You are just an F word away from the life you want, the marriage you want, the family that you want is going to be fueled by the business and life you build. Join me, be a Soul Rich Woman. Alone we are strong. Together, we are unstoppable. Welcome to the show.

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Genecia Alluora: Hello, gorgeous. Welcome to Soul Why? Secrets of the Soul Rich Woman blueprint. I'm your host, Genecia Alluora. Today I want to talk about how to get out of debts, which means you probably probably owe someone money. You owe the bank money. You owe credit cards money. You owe your business money. Okay? So literally, this episode is going to help you to look and examine a few pieces of yourself to how do you really start to even get out of it. So remember I talked about I was in six figure debts and also I was a bankrupt. So how did all these money stories happen or money situations happen? One happened because of my failed partnership in business and end with no contracts and no legalities and that's why I suffered. The second phase when it happened again was when I was making so much money have so many credit cards and we spent it all.

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Genecia Alluora: And of course there are other reasons as well. I spent it on stocks and shares, and many other things that I don't even know about. So we'll get there. So how to get out of debts? Well, I just want to say that first and foremost, get your heart right. Most often than not, when we are in debt or I'm in debt, we realize that we have a lot of negative emotions. We are depressed, we don't want to do anything. We are going round and round in circles. We are lousy, we are not good, we're not good enough. We're stupid for making such decisions or maybe even blaming the other party. Oh, is that business partner's fault? Oh, it's that person's fault. Let me go into victim mindset. So the first thing is to be aware of what is in your mind, what you are thinking about and how you can really stop doing that by first writing down your attitudes of wealth.

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Genecia Alluora: Winning the money game start by having a prosperity mindset Secrets of manifesting money quickly starts with looking at all the attitudes and words we are telling ourselves every single time. So write down I am an excellent money manager. I always pay myself first. My money works hard for me and makes me more and more money. I earn enough passive income to put and pay for my desired lifestyle. My income is constantly increasing. I love myself, I set myself free. This is my time and I'm ready for the next step. Words like this allowed me to get ready to flourish once again because I was aware I caught myself and I changed the mindset, the attitudes towards wealth and money. I examined myself again looking at my relationship with my father because when you go into money issues, besides the words and the things you tell yourself, it is also related to your father, the masculine side, the masculine energy of money.

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Genecia Alluora: That what we didn't do or what we did to make ourselves sabotaged and go into further problems. So I did just that. And that is the first thing that you want to start working on. The second thing is to really write down the numbers, cut all your expenses and ask yourself what really do you want and what its needs and what it wants. Limit yourself to the budget that you set. For example, grocery shopping, $100 or $200 a month. The food that you eat, $200 a month, shopping $50 a month. Maybe if you wear contact lens. Okay, $50 a month. And your expenses of traveling two hundred dollars to four hundred dollars a month. Write it all down. Mobile phone cut all the unnecessary stuff and that you need to have keep it below $50. Nowadays there's only the SIM only plan where you don't need all the frills. It can even be just $30 a month for your mobile phone.

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Genecia Alluora: Or even cheaper if you know how to maximize and utilize WiFi at your home or at your workplace, you look into your expenses of all your recurring income or expenses. That for example, the Netflix, spotify. All these little $9.99 1.6s or $19.99 are a part of the bleeding that is going through and out of your wallet, out of your purse right now, out of your bank account to even start looking into getting out debts. You really have to confront this mon stir. I know you hate looking at numbers. I know, I've been through it myself. I hate it too. Oh, my daughter needs to buy this. I need to buy things for my cats and I will tell myself all these things that my family need this, my family needs that and even negotiate did with my parents how much allowance from my side to give to them instead of a usual few thousand dollars to now a few hundred dollars.

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Genecia Alluora: So are you willing to even take this step to relook of what you want, what you need, and even negotiate with the loved ones and the people, important people around you, sharing with them that situation that you're in debt, that you need to adjust your money, your expenses? And then, looking it very closely now, where can you save this? You can save it in your handphone, in your notes, or you can use tools like Asana or Trello to put it into these project management tools where you manage yourself like a project. So by first looking at all these small numbers. The key is never think that a number is too small. It's okay. It's okay, it's okay. It's okay. Nothing's okay until you really look at it. I know you're feeling guilt. You feel shame. I too, went through that. My parents, my brother looked down on me. He said it's there. Why do you go through? Why do you become a bankrupt? Why do you even allow it to happen?

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Genecia Alluora: Why do you go through depths? My younger brother looked at me and like, why are you so stupid? Being judged by own family? My dad, my mom, may me feel very sad about my life. You know, they're like, you're so big already. You still make these mistakes about money. 1s What happened to you? Failed partnership. Really? All your fault. We being Asians, sometimes our family expects a certain thing of us, and then they point finger and said, It's all your fault. And that moment, I tell you, it's really a very difficult feeling, a very not nice feeling. And I go through that. Isn't it the same? What you're going through now probably you're being judged of people around you, and you're afraid of being judged by people around you. And I just want to tell you and assure you that by me telling you that it's okay. It's really okay.

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Genecia Alluora: It's okay. Take it from me. Trust me, it will be okay. The time will come you will get out of the debts. The time will come that you will win the money game. Like how I've transformed my own money game. I have now transformed my mind. My money blocks into prosperity. So look at your numbers. Look at it. Look at it closely. Build and take it from there. Last but not least, like I just shared with. Be aware about people judging you and you judging yourself. Be aware of all these things that's happening in your life. I know going through debts is never easy, but just know that with these three steps, being aware, looking at money me and last but not least, also being aware of whether you're judging yourself or not and finding someone whom you can trust to speak with, to talk to, to say what you want to say truly, that is in your heart will help you to overcome the anxiety, the sense of failure, so that you can go to the next level.

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Genecia Alluora: What is worse than rock bottom? What is worse than being in the darkers of the valleys? Turn it around. Look at it differently. Turn your mess into your message. Just like how I'm sharing with you my mess right now. So you're never alone. Okay, walk the journey. Time to rise up. Be courageous. Be a soul rich woman. Alone, you are strong. Together, we are unstoppable. Sending you my love and I'll speak to you soon. Bye for now.

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Genecia Alluora: Thank you for joining me today. I would love you to connect with me on Linkedin, Facebook, or Instagram and share with me your thoughts on today's episode at Genecia Alluora. Alternatively, you can send me an email at hello@soulrichwoman.com. I have a free gift for you on our website. Secrets of personal branding and also how do you delegate 80% of your to do list to your assistant so you can make money online and focusing on your zone of genius? And that is available at soulrichwoman.com. Join the number one leading female entrepreneur network in Southeast Asia, connecting more than 200,000 women across the region. Be a Soul Rich Woman. Dream to shine. Woman leader, leader activated. Alone, you are strong. Together, we are unstoppable.