MintfulMind

Hey there, fellow explorer on the journey to financial mindfulness! 🌿 I'm Monica, the heart and soul behind Mintful Mind.

Wealth Strategist & Mindset Expert

Empowering & individuals to:
- break through
- master
-

*Transformational Money Coach
*Certified Demartini Method® Facilitator
*Accountant You might know me as a dreamer, a widow, a proud mum, and yes, a cat whisperer to my two furry bosses. But at the core, I'm just like you - navigating the ebbs and flows of life, with a purse in one hand and a dream in the other. Mintful Mind blossomed from my tapestry of experiences - from crunching numbers as an accountant to coaching those looking to find harmony in their finances. It's about peeling back the layers of money management and discovering that at its heart, it's not just about the figures in our bank accounts, but the peace and balance we cultivate within ourselves. As a single mum of a teen who keeps life wonderfully unpredictable, and someone who thrives in the quiet corners of the world or on the back of my motorbike with the wind as my companion, I've learned that financial freedom is as much about the journey as it is the destination. Mintful Mind is here not just to guide, but to walk with you. Whether you're a hardworking dreamer, a hustler, or a penny-pincher, this space is for you. I believe in the power of mindset, in celebrating every small victory, and in the transformative impact of taking control of our finances to reshape our lives. So, if you're ready to embark on this adventure, to discover not just how to manage your money, but how to let it empower you, you're in the right place. Let's turn the page to this new chapter together, with humor, heart, and maybe a cuppa or two along the way. Welcome to Mintful Mind - where it all starts with a thought, a breath, and a step towards a life where money is not just understood, but befriended.

09/03/2026

Yesterday I stood on the TEDx stage Yesterday I stepped onto the TEDx stage.
Not as an accountant.
Not as a coach.
But as someone who finally told the truth about something many of us quietly carry.
For years, I thought I was bad with money.
And like many people, I tried to fix it with what the world tells us to do:
more discipline, better strategies, smarter financial frameworks.
But something never changed.
During my talk I shared a story from my childhood that shaped my relationship with money in ways I didn’t understand for decades.
And after the talk something extraordinary happened.
Two women came up to me in tears.
They said, “Your story is my story.”
And in that moment I realised something.
If a talk can touch the heart of even two people…
If it can help someone see their financial struggles through a new lens…
Then the purpose of that talk is fulfilled.
Because the truth is this:
Most people are not stuck with money because they lack information.
We live in a world full of advice, strategies, courses and financial frameworks.
People beat themselves up for not following them.
They think something is wrong with their discipline, their intelligence or their ability to act.
But often the real reason is much deeper.
It’s subconscious emotional loyalty.
Loyalty to old patterns.
Loyalty to roles we learned early in life.
Loyalty to the people and environments that shaped us.
Until that loyalty becomes conscious, the pattern keeps repeating again and again — not to punish us, but to keep us where it once felt safe.
Yesterday wasn’t just a talk about money.
It was a conversation about the invisible forces behind our financial decisions.
And if even a few people walked away seeing their story differently…
Then stepping onto that red circle was worth every second.

14/02/2026

Visited the assembly hall this week where I will be delivering a talk.
It felt smaller than imagined.
And bigger at the same time.

In a few weeks, be talking about at

Not budgets.

Not tips.

But the invisible lines we don't realise we're crossing when we earn, charge, spend or hold back.

Because are rarely about money.

If you'd like to attend, I have a 10% discount code available.
Send me a message and I'll share it.

Sometimes starts the moment you step onto a stage that scares you.

And sometimes the biggest financial shifts start with one
.

12/01/2026

Nearly a year mentoring on the .org.uk has taught me this:
Smart people don’t struggle with expenses because they’re bad with money.

They struggle because no one explained it properly.

So on the 15th, I’m hosting a free masterclass for people registered on the platform:
Allowable expenses.
Clear. Simple. No bu****it.

If you’re at the start of your business journey and still guessing — this one’s for you.

06/01/2026

You can hire a bookkeeper, switch accountants, change software.
If you still avoid your numbers, undercharge, delay decisions or say yes when you mean no… nothing changes. The chaos just moves into a nicer spreadsheet.

Most money “problems” in business are behaviour problems.
Tools support your decisions.
They do not replace them.

This is the work I do with clients: we look at the behaviour behind the numbers so cashflow stops repeating the same story every year.

👉 If this hits a nerve, save this and come back to it next time you blame Xero or your accountant.

11/10/2025

Most women don’t struggle with investing because they lack knowledge.
They struggle because they’ve never been taught how to feel safe with money.

Yesterday, at the From Zero to Financial Heroine event in the Algarve, I shared what I call Money Mindset Mastery — not another “how to” guide, but the why behind our financial behaviour.

We spoke about:
💭 The guilt, shame, and fear that quietly shape every money decision.
💚 How emotional loyalty keeps us small — loyal to old family stories instead of our future.
🌿 And how alignment with your true values changes everything — because when money serves what you value most, you stop fighting it.

The conversations that followed — during and after — were honest, powerful, and beautifully human.
And yes, the lunch was absolutely worth mentioning too 😋

Thank you, WIN Portugal, for creating a space where women can talk about money without filters or fear.

Because when women master their money mindset, they don’t just invest, they rise. 💚

08/10/2025

Most women weren’t taught how to invest.
Not because we couldn’t — but because we were raised to save, not grow.
To play it safe.
To stay “sensible.”
To not make mistakes.

And while we stayed safe… we also stayed small.

The truth?
The emotional investing gap between women and men is still huge.
Men take risks, they start earlier — not because they know more, but because they believe they deserve to.

Until you grow your deserving level
and raise your financial thermostat,
you’ll keep holding yourself back — even when you’re ready to rise.

Because investing isn’t just about money.
It’s about self-worth.
And the stories you’ve been carrying about what you’re allowed to have.

So here’s the question I want you to ask yourself today 👇

👉 How much does your growth count for you?

This week on Friday, we’re bringing women together to talk about the things that truly move money: your emotions, your values, your power.

💫 From Zero to Financial Heroine — a workshop led by women, for women.

📅 10 October 2025
📍 Amendoeira Golf Resort, Portugal 🇵🇹
🎟️ A few seats left — €45
🌐 winportugal.eu

Your next level isn’t waiting for permission.
It’s waiting for you. 💚

24/04/2025

He came to me as a new self-employed client.
No background in finance, no clue about his own numbers—and honestly, no interest either.
Whenever I asked for payslips, invoices or any sort of paperwork, it was like pulling bloody teeth.
I’d get scraps of info, delayed replies, constant dodging.
When I asked him to check his bank statements and match payments to clients, he flat-out said, “I don’t have access.”
Then ghosted me.
It gave me a headache.
But not because he was being difficult, because I recognised the pattern.
Avoidance.
Not laziness. Not incompetence.
Avoidance learned from fear, shame, confusion and never being taught the power of clarity.
And here’s the twist…
This behaviour doesn’t just show up in freelancers or the newly self-employed.
I see the exact same thing in people with six-figure businesses, teams, even offices.
They’ve just got more polished ways of avoiding:
“My bookkeeper handles that.”
“I’ll check with my finance person.”
“I haven’t looked at that in a while.”
Same story. Just dressed in a smarter suit.
Because if we’re honest, many business owners, no matter how big the income, still carry childhood baggage about money.
Still fear being “found out.”
Still don’t want to face what the numbers might reveal about their decisions.

So here’s the reflection:
* What exactly am I afraid I’ll see if I do look at my numbers?
* Who taught me that being disorganised or financially avoidant was somehow safer?
* What’s the benefit I’ve been getting from not dealing with this? (There is one, even if it’s just temporary peace.)
* What emotional story do I attach to money, numbers, or responsibility and who does that story really belong to?

You can scale your business.
But until you face the numbers, you haven’t truly stepped into leadership.

But once you see the value behind the void, the resistance starts to fade. And what once felt like pressure becomes power.

01/04/2025

"People don’t decide their futures. They decide their habits. And their habits decide their futures."

F. M. Alexander said that.

Which is not wrong...somehow.

But here’s the truth most people don’t want to hear:

YOU DON'T EVEN CHOOSE MOST OF YOUR HABITS.

They were programmed.

By your past.

By the s**t you went through.

By how you survived, not how you thrived.

You didn’t wake up one day and decide to sabotage your money, your relationships, your goals.

You learned to.

From pain. From fear. From trying to be loved, accepted, safe.

You call it "just how I am."

But it's not.

It’s a set of coping mechanisms dressed up as personality.

And now?

They’re running your life—and calling it fate.

You keep setting new goals with the same wounded mindset.

Same beliefs.

Same emotional baggage stuffed in your back pocket.

And then you wonder why it’s not working.

It’s not because you’re lazy.

It’s not because you’re not good enough.

It’s because you're trying to build a new future with an outdated emotional operating system.

Your future isn’t decided by your habits.

It’s decided by your subconscious.

And your subconscious is still obsessed with the past.

If you want different results, you don’t need more discipline.

You need a deep reset.

You need to reprogram the past so it stops ruling your damn future.

That’s the work that changes lives.

And it starts with one question:

What are you still letting your past decide for you?

---------------------------------------------------------------------------------------

If you’re done letting your past run the show—and you’re ready to take back the wheel—my Money M.O.T. session is where we start.

In 90 minutes we’ll dig into the hidden patterns, the emotional baggage, the mindset blocks keeping you stuck with money (and everything it’s tied to).

📩 DM me “RESET” and I’ll send you the details.

30/03/2025

Be honest... are you running your money, or are your emotions about money running you?

You might not realise this, but the way you feel about money is probably controlling your life more than you'd like to admit.

- Maybe you're stuck in constant fear-of not having enough, of losing it, of failing financially. That fear? It's not irrational. It's from all the times in the past where things did fall apart.

-Or maybe you feel anxious even when money's coming in. Like no matter how much you earn, it still feels like it's not enough. That's a nervous system still stuck in survival.

- Maybe you feel guilty spending money on yourself... or ashamed of your debt, or like your past mistakes are tattooed on your forehead.

- And then there's that deep-rooted one-
when your self-worth depends on how much you've got. You feel 'enough only when your account says so.

- Or you're trapped in work that drains you because-well, bills. But let's not sugar-coat it: that's soul-crushing.

- And on the flip side, when you're riding high, you overspend, overcommit, say yes to things just because you're buzzing... and then crash hard with regret.

These aren't random behaviours.
They're symptoms of a deeper problem.

The truth is, money isn't the enemy.
It's neutral.
It's your beliefs, your values, your emotional past that's running the show.

And until you shift that, you'll keep repeating the same damn cycle.

That's what I do in my work- we look under the hood, clear out the emotional junk, and get your mindset aligned with your actual goals.

Ready to stop feeling powerless and start owning your money story?

Drop me a message.

28/03/2025

makes you play too small.
makes you chase too much.
makes you think you already know it all.

isn’t about avoiding these emotions—it’s about recognising them, managing them, and making decisions from , not impulse.

So, which one of these is running your ?

And more importantly, are you ready to fire them?

26/03/2025

🌱 Something new and meaningful I’m proud to share...

I’ve recently started volunteering as a with – a brilliant organisation that offers free support to and charities across the UK.

My role?
Supporting people who are just starting out – helping them feel less overwhelmed, more focused, and more confident as they build their business from the ground up.

Because let’s be honest – starting a business can be messy, scary and full of “What the hell am I doing?” moments.
I’ve been there.
And now, I get to help others feel a little more grounded and a lot .

If you're in those early stages and could do with a boost (pun intended 😄), check out .
Free support.
No catch.
Just real people who care.

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