FAQ2019-10-03T00:13:38-05:00

Frequently Asked Questions

General

How does financial stress affect your health?2019-11-08T23:25:11-05:00

How does financial stress affect your health?

Financial stress affects your health in many ways and these health issues can affect your home life, career and make it feel that is impossible to ever turn things around. If any of these effects of stress are causing you duress, please, consult your physician immediately.

Two of the most common effects of financial stress are anxiety and depression. These two conditions usually go hand-in-hand. Each one is a debilitating condition that makes it hard to focus at work, spend time with your family, and keep up with your bills and other financial responsibilities. The stress of having too much credit card debt, college loan payments, or medical bills can weigh on a person and cause severe anxiety and depression. If you are behind financially and are feeling discouraged and hopeless or have feelings of constant worry and poor concentration, you may be seeing signs of one of these disorders.

Anxiety can manifest in many ways, but most people that suffer with it report panic attacks where their chest feels like it’s tightening, it becomes difficult to breathe, and it’s often coupled with the inescapable sense of impending doom- the idea that something terrible is happening, it’s growing, and it won’t go away. Anxiety is mental as well as physical. Even if you aren’t in the throes of a panic attack, you may still be experiencing racing and unwanted thoughts, profuse sweating, trembling, nausea, and a rapid heartbeat.

Depression goes beyond just general feelings of sadness and self-doubt. There is a wide array of physical and mental symptoms associated with depression that may include trouble sleeping, a change in appetite (over eating or under eating), a lack of interest in favorite activities, risk-taking behavior, and particularly dark thoughts. Depression could be caused by the divorce or death of a loved one, and now the financial burden remains on you to support your household with only one income. Depression should not be taken lightly, and yet it can be a very unfortunate response to stress caused by personal and financial problems.

According to webmd.com, the idea that stress is ‘in your head’ is a common misconception. Stress is an inherent physiologic response to a threat. When you’re extremely stressed, your body enters the “fight or flight” mode. Adrenaline (a hormone that increases heart rate, pulse, and blood pressure) races through your veins during a stress reaction and you either want to utilize this adrenaline to ‘fight’ through the current situation or take ‘flight’ by running away, or avoiding the situation as much as possible. Physical responses occur inside your body when you’re stressed, regardless of the cause, and they can drastically affect your body and lead to severe health issues even if you’re not aware of it. Pay attention to what your body is telling you.

Other conditions that can be caused or worsened by financial stress:

  • Heart Disease/Attack
  • Gastrointestinal Problems
  • Weight Gain/Loss
  • Eating Disorders
  • Diabetes
  • Insomnia
  • Psoriasis
  • Cancer
  • High Blood Pressure
  • Substance Abuse
If I already have a financial planner, do I still need a Financial Wellness Specialist?2019-11-08T23:10:52-05:00

That’s a great question!

Financial planners and Financial Wellness Speciliast focus on different things and help you in different ways.

A financial planner is a qualified investment professional who helps individuals and corporations meet their long-term financial objectives, and depends on their expertise, a financial planner may also specialize in tax planning, asset allocation, risk management, retirement and/or estate planning.

 

But have you ever asked yourself the following:

  • How do I stop worying about money?
  • I know something is wrong, I know whatever we are doing is not working, I know I need to do something, BUT… I don’t even know where to begin.
  • I feel so hopeless and overwhelmed when it comes to money.
  • Seems like money flow through our fingers like sand. The more we earn, the more we spend.
  • I constantly feel not enough
  • ….. and many more

And this is where I as a money mindset coach jump in.

As a Financial Wellness Specialist, I guide my clients through a step-by-step process that is proven to help you solve the stressful money problems holding you back from the life you truly want.

We all have unconscious beliefs and behaviour patterns that can affect the choices we make about money and prevent us from reaching our full potential.

My clients often feel lost, and unsure of how to improve their financial situation. They may have conflicting…

  • Thoughts about money (eg. I don’t have enough! Money doesn’t grow on trees. Money is too complicated and I don’t understand it! Rich people are rich because they like to rip people off. Money is the means to get love from others. etc.),
  • Feelings about money (eg. fear, anxiety, powerlessness, anger, sadness, worthlessness, shame), and
  • Money behaviours (eg. overspending, being overly generous, rescuing others, controlling others, self-sabotaging, codependence)

but no idea how to resolve them.

A Financial Wellness Specialist has completed specialised training, work experience and assessment in helping people to identify their restrictions and move beyond them, improving personal satisfaction, abundance and overall success.

It is great that you have a financial planner; in fact, I will encourage we all seek for advice from financial planners and I also work closely with financial planners myself.

It’s like building your own winning team! In your winning team, you need to have a financial planner, an accountant, a bookkeeper, a lawyer, a mortgage broker, and other experts in their field, but it is also very important for you to have a Financial Wellness Specialist to be your core team to guide you how to overcome your limited beliefs and make right financial decisions for you and your loved ones.

Why would I hire a Financial Wellness Specialist?2019-11-08T23:11:31-05:00

Good question! Why? But why not?

I used to think that I know what it takes to be ‘successful’ for life, for career and for financial status, and I have certainly proved that by achieving many of the highlights in my career and have done so much more than most of my peers. And as a high achiever/high performer all my life; I know how to make it work for me, so in essence, I don’t need to have a coach, any sort of coaches.

But see, that’s the problem! I know what I know and don’t know what I don’t know, and somehow there always seems to be a glass ceiling that kept me from going beyond a certain level.

Many business leaders have their coaches, and successful athletes also understand the power of coaching. The United Kingdom Coaching Strategy describes the role of the sports coach as one that “enables the athlete to achieve levels of performance to a degree that may not have been possible if left to his/her own endeavours.” 

 

So why would you hire a Financial Wellness Specialist?

A Financial Wellness Specialist:

  • Guide you to look into the deep root of your belief system and ensure you have a right mindset in place;
  • Challenge your existing patterns, thoughts and behaviors that no longer serve you;
  • Remove your roadblocks and unleash your great potentials;
  • help you see yourselves and the money situations clearly;
  • Identify gaps between where you are and where you need or want to be financially;
  • Co-create a measurable and achievable plan for you;
  • Hold you accountable for the commitments;
  • Provide support if necessary

What can you take away from the Financial Happiness Transformation Coaching?

The Financial Happiness Transformation Coaching helps you reduce your money stress, empower you to be in charge of your financial situation, guide you to prepare for your financial future. By improving your financial well-being, it allows you to have more options and choices in life, bring back more time to you to what you want to do and fulfill your bucket list, improve the quality of your life, your health and your sleep,  strengthen your relationships with your significant one, your family and your work, be able to take care of those you care about, and uplift your energy and have peace of mind.

 

Do I need to live nearby to attend coaching sessions?2019-11-08T23:12:14-05:00

Nope! I run my coaching sessions via Zoom so you don’t need to live nearby. I have clients in US, Hong Kong, Taiwan, Australia and other parts of the world, and it works just fine.

If you are new to Zoom meeting, please make sure that you download the zoom app to your laptop; and if you plan to use your mobile or pad for Zoom meeting, you can search ‘zoom’ in your app store.

Please also make sure that you check your audio system and camera prior to the meeting.

**I do run some face-to-face workshops from time to time wherever I go and you can check on my upcoming events here or join my Facebook community for more detail. **

What is Financial Happiness Transformation Coaching?2019-11-08T23:23:29-05:00

As a Financial Wellness Specialist, I guide my clients through a step-by-step process that is proven to help you solve the stressful money problems holding you back from the life you truly want.

We all have unconscious beliefs and behaviour patterns that can affect the choices we make about money and prevent us from reaching our full potential.

My clients often feel lost, and unsure of how to improve their financial situation. They may have conflicting…

  • Thoughts about money (eg. I don’t have enough! Money doesn’t grow on trees. Money is too complicated and I don’t understand it! Rich people are rich because they like to rip people off. Money is the means to get love from others. etc.),
  • Feelings about money (eg. fear, anxiety, powerlessness, anger, sadness, worthlessness, shame), and
  • Money behaviours (eg. overspending, being overly generous, rescuing others, controlling others, self-sabotaging, codependence)

but no idea how to resolve them.

A certified money coach has completed specialised training, work experience and assessment in helping people to identify their restrictions and move beyond them, improving personal satisfaction, abundance and overall success.

My special brand of coaching is a combination of left or logical brain thinking from my financial planning background, and the right brain thinking involved in emotions, creativity and mindset. I give you all the information, tools and strategies you need to free yourself from financial stress and create the abundant life you desire… and then I hold your hand as you implement them, guiding you and cheering you on!

Maybe we should get to know each other first.2019-08-27T22:22:04-05:00

I’d love that! You can read more about me here, join my Facebook Community here , and sign up for The Winner’s Club newsletter via the bottom bar of the site. If you have any questions at all, you can always contact me directly here!

How do I work with Winnie?2019-10-03T00:24:08-05:00

The transformation all starts with the awareness.

So you can start with taking the money quiz and booking a 25 min complimentary consultation with me. Through that session, we will go through your challenges, your roadblocks and your strengths and your underlying money patterns and behaviors. What you will take away from the session is clear understanding about yourself and some useful tips that you can implement right away.

But if you already know what you want and what you need, or you need to have someone hold you accountable for execution, then you can choose from my fun group programs or a more tailored one-on-one coaching service.

I also work with organisations to provide custom coaching and education packages, and run intensive masterclasses that help women overcome common financial stressors.

Booking/Enrollment

How do I book for Master classes/Workshops?2019-08-27T22:06:55-05:00
How do I book for Fun Group Transformation Coaching service?2019-08-27T22:06:39-05:00
How do I book for Tailored One-on-One Coaching service?2019-11-08T23:30:24-05:00

Payment

What if this doesn’t work for me? Can I get a refund?2019-08-27T22:07:29-05:00
What payment options do I have?2019-08-27T22:07:13-05:00

‘My Money Mindset Quiz’

What if I have more than one money type in my results?2019-11-08T23:12:56-05:00

Carl Jung believed that while each archetype plays a role in our personality, most people are dominated by one specific archetype.  It is however quite common to have more than one money types show up in our results. The actual way in which an archetype is realized depends upon a number of factors including an individual’s cultural influences and unique personal experiences.

 

The way our money types are expressed will depend on whether they are active or passive.

Active vs. Passive types2019-09-24T04:42:05-05:00

We all have a bright side, and a shadow. The active type is the bright side; how we present ourselves to the world. This is how we approach money, and it has a great impact on our money decision making process. The passive type is the shadow; sitting in the dark until an event triggers it’s arousal. The shadow often represents one’s dark side, those aspects of oneself that exist, but which one does not acknowledge or with which one does not identify.

What if I have more than one active type?2019-09-24T04:41:26-05:00

You may have multiple money types trying to control your financial decisions. The money type with the highest percentage has this first say, but it’s likely that you feel conflicted at times. If you have two or more active money types with the same percentage, they will have an equal say in decision making. This makes for an interesting inner dialogue, to say the least!

What if all my types are passive?2019-09-24T04:40:52-05:00

This could mean that you aren’t concentrating on money at this time in your life due to other areas that need your attention and focus, for example caring for children or aging parents, starting a new business, studying, dealing with a health issue, etc.

What if I have more than one money type in my results?2019-09-23T06:41:39-05:00

Carl Jung believed that while each archetype plays a role in our personality, most people are dominated by one specific archetype.  It is however quite common to have more than one money types show up in our results. The actual way in which an archetype is realized depends upon a number of factors including an individual’s cultural influences and unique personal experiences.

 

The way our money types are expressed will depend on whether they are active or passive.