5 simple principles to master money. (And why they’re so hard to implement in real life.) Here’s what to do about it.


Reader,

Mastering money is simple.

  1. Know what you make and what you spend
  2. Make more than you spend
  3. Save a portion of the surplus so you don’t go into debt for ‘emergencies’
  4. Invest the rest of the surplus to grow wealth
  5. Leverage compounding over time to maximize your investment returns

5 simple principles to be wealthy and financially free.

Right?

Nah.

Most people are struggling with most, if not all of these ‘simple’ principles.

That’s why most people aren’t financially free.

You know why?

The process of executing these 5 principles is fraught with strong emotions that pull, push, or keep us stuck.

How many people stick with tracking what they make and spend?

How many people are stuck spending more than they make?

How many people don’t have surplus savings to deal with emergencies?

How many people still have any surplus left after taking care of everything they need to live to still invest?

How many people leave their investment alone to compound over decades instead of feeling compelled to touch it to make a quick buck?

Yup.

Money is totally emotional.

Mastering money is simple, but far from easy.

Until you get a handle on those emotions

that make you do things you know you shouldn’t with your money

but still can’t seem to help it.

Calming yourself during the process of implementing these 5 simple principles as you go through life,

is how you can finally be a master of your money, rather than a slave to it.

The first step to getting a handle on how you feel about money is to notice what those sensations feel like.

The easiest way to do this is to pay attention to where in your body it shows up.

Then name it and give it a color, texture, or smell.

Emotions are intangible, giving them form helps us wrap our heads around it.

Now that you can see it, we can deal with it.

To release its hold on you, you have to change the way you relate to it.

This is what I help women do.

By using a framework and system I've used to go from being stressed out about money,

to living life on my terms, free from financial anxiety.

If you want me to help you experience this level of peace of mind and confidence, then join my 12-week 1:1 coaching program,

12 Weeks to Financial Confidence

I'll take you through a simple step-by-step process and help you put together a realistic action plan,

so you can finally breathe and take calm and clear actions to create the financial life you want.

From now until 25 January 2024,

I'm offering a 50% discount on my coaching program, '12 Weeks to Financial Confidence'.

Plus an additional FREE private 1:1 session with me,

all geared towards helping you feel more confident and relaxed around money in 12 weeks.

It’s time to empower more women to be confident about money.

Sharon

P.S. If you still have doubts or questions, let's talk about them so you can make a decision, fully informed.

Book a call with me and let's chat.

Sharon Singh Sidhu

Free Email Course: Your First Client in 1 Hour a Day: The Side-Hustling Mom’s Starter Kit 👉 https://sharonsinghsidhu.com/start

Read more from Sharon Singh Sidhu

Hi Reader, For years, I thought I only had two choices: Stay in my job for the steady paycheck — but miss out on time with my kids. Or quit to be there for them — and lose financial security my family depends on. Sound familiar? I call this the false choice. Because the truth is, you don’t have to choose between career or kids. Here’s what I did instead: I carved out just 1 focused hour a day in the margins of mom-life. I stopped waiting for the 'perfect time' or 3-hour blocks that never...

Hi Reader, It's August 2025 - the start of my 12-month experiment to lean into and do what scares me but that I know it's the right thing for me to do. Not anyone else, just me. Beginning with sharing about a topic that I used to hide from others, afraid what they would think of me if they found out. This week’s podcast is one of the most personal I’ve recorded. It’s about fear. And how it sneaks into our decisions when we’re building a business and trying to grow into the next version of...

Hi Reader, I used to hide behind quote posts and faceless content. What would my corporate colleagues think if they saw me talking about my side hustle? What if my boss questioned my commitment? What if other moms judged me for 'trying to do it all'? So I stayed invisible. Safe updates only. No personal stories. No mention of my business. But here's what I realized: My fear of judgment was keeping me from helping the working mom scrolling at 11 PM, feeling completely trapped between a job...