3 simple tools to transform your money beliefs

If you find yourself landing on this blog post today, then welcome to part two of our series on money.

In my personal experience, as a women I’ve noticed our relationship with money can be a little sticky, and many of us feel far from confident when it comes to money and making powerful choices.

In the first part of this three-part series on money, I asked you to complete this set of questions (download HERE).

Together, we looked at your history and past experiences, to find out whether this may have a bearing on what beliefs you hold today – especially if money makes you nervous.

The reason I asked you to look into your past, is that some of the beliefs you have today, you may have unconsciously carried through your life. Your actions today, may be a reaction to those past experiences – for fear of repeating a cycle – perhaps you don’t want to experience what your parents went through.

When we carry these beliefs around with us a number of things are at play:

1. Because of what you heard growing up, you are often carrying around the beliefs of that person, which could be based on their own past experiences.

2. We chose to believe something about money because of what we made a experience mean (our own interpretation)

3. If these beliefs don’t feel powerful, generally we will make low vibe and poor decisions around money.

4. And finally, this could impact our view of what’s possible. If our view is narrow – we might believe there’s only one way and we are less likely to be creative when it comes to money

And therefore, your actions reflect your beliefs.

If this sounds a little familiar, you might notice that sometimes you feel:

…embarrassed / shame


…fearful / worried


…resentful / blaming of others

…held back

…about money

ALL of these things I have felt at some time in my own life.

It wasn’t until close to 4 years ago, when I had to dig my way out of a small financial hole (it felt like a freakin’ crater at the time) because of a lack of planning. I remember my emotional state was constantly fearful and helpless. But quickly, I had the sense to realise that being fearful about money wasn’t good or making my situation any better. So I decided it was time to turn the lens inwards and look at what, why and where my beliefs came from and how they were limiting my future potential.

If you completed the journal exercise from my first post (download HERE) you will have been able to bring to life how you view money.

The GOLD in doing these exercise around money is that you a) have a new-found awareness and b) you get to choose what money is for you, its potential and its alignment with your vision.

You may realise that  in fact your parents taught you some super powerful behaviours towards money BUT you weren’t able to see that until now. Or perhaps you realised something small you believe about money, but it seems to hold you back from making decisions or moving forward with your hearts desires.

The next 3 exercises we are exploring today will help you:

1. Use one of my long time favourite methods for transforming beliefs – this time we will focus on money

2. Deciding how you want to feel about money

3. Create a powerful money statement


Why owning your money story will transform your life (from my experience)

Heart driven success.
Creating your definition of abundance then living it.
and how you define living abundantly is entirely your choosing.
Your definition could include one or more elements of your life – your health, your wellbeing, particular possessions, finances, where you live.  The things that are the very foundation for you to grow, create and share with the world.

Sounds all very simple, easy to follow – right? Abundance is my middle name I hear you say.

Or maybe not. Maybe abundance sounds great in theory but what about in reality?

You open your wallet, you look in your fridge, log in to your online banking and somehow things don’t feel so ‘abundant’ anymore.

So, in my experience, we can’t talk about abundance without first addressing its most common association – money.

When you break it down, money is just one tool that allows us to invest in our growth and our human evolution, through new experiences. If we are feeling less than abundant, then the decision to undertake a period of growth and transformation will be rife with debate. Rather than seeing money as a tool to open our eyes to greater possibility, we may choose the easy route and deny ourselves the chance. 

Because for many of us, we have so cleverly mistaken the degree of self worth we have…is relative to the state of our finances and possessions.  

These new ‘eye-opening’ experiences could be further education, courses, working with coaches, a mastermind, therapists, attending workshops, walking over hot coals…which I’d much prefer to do than sit in a cave for 10 years and meditate – despite the cave being a route that requires minimal financial investment.

Would you agree that you freely invest in your growth? or is money the biggest factor in this decision? Designer dress or a session with a kinesiologist? Waaaaaay easier, and more comfortable to go designer – right? You’ve already got the university degree, that counts right?

There will be some women out there nodding their heads, because we LOVE learning.

But for many of the beautiful souls out there, investing in our growth, possibility and potential, is scary and requires stepping into the unknown.

There are no guarantees, nor do we obtain something physical in return that is evidence of our investment. Designer dresses are typically not included. Which is why we take the seemingly easier route.

Opt out.

Instead if we invested, we trusted, we persisted and we allowed passion and desire to fill our veins, the vision eventually becomes a reality.

And suddenly your direct association between abundance and the status of your bank account shifts dramatically.

I believe we need to get comfortable with investing in our growth for one key reason – if you don’t know what you don’t know – why that fear might be holding you back, then it makes sense to find someone that could shine a light on it. 

Download your PDF here, brew a cup of tea and set aside 30mins to complete this powerful exercise.

Let’s go back to my original statement about defining abundance.

Perhaps your beautiful vision of abundance involves creating a business to be your own boss and serve others, or relocate out of the city so you can start a veggie patch and live off the land. Down the line, there will likely be some financial investment to get it off the ground. Stepping into this vision requires you to up skill or step into a new version of yourself with the support of a team or an accountability partner to get you over the line. 

When we give excuses for not investing and not doing the work, we are in a state of resistance, and we deny ourselves the investment because of…money.

Or rather it’s not money itself but our beliefs, and our story about money that holds us back. 

These beliefs create our identity. Which creates our behaviours and verbal excuses – how we spend, what we spend it on, what we say about money, or what we don’t say about money. And so the cycle continues.

To break the cycle, you need to first own your money story.

So what was my money story?

For a long time, my version of abundance was wrapped up in status. I probably lived the first 20-odd years of my life via a lens of comparison and material attainment. Some of this was conscious, some of this by default because of the way money is portrayed in Western society. This lens created some pretty interesting thoughts and behaviours around money, which were typically skewed towards lack and not enough therefore always striving for a bigger, flashier version of myself.   

I can recall a number of times as a child that fed into this story – breaking down on the ski field in our old car, mum cleaning her friends houses when my parents separated or mum making our clothes as children. 

But my lens distorted the really good stuff – what I didn’t see was that my parents chose worldly experience over shiny objects – we camped through Europe for 3 months as a teenager because they chose education and culture. They were rebellious and creative with money.  Once I owned my story around money, the distorted lens was lost and instead I could really see what was possible with money when you exercised a little creativity.

I then set about defining abundance for myself based on my values and my vision for my life.

What allowed me to see clearly this new beautiful version of abundance – first choosing my personal growth over that designer dress. Choosing to be worthy of that bigger vision for my life instead of continuing the same old patterns. 

On to today’s mini challenge…

I want you to feel empowered when it comes to your finances, your future and therefore all that potential that’s available to you.

To feel empowered, we first acknowledge where we are at right now and where we have come from with respect to money. This allows us to see where we might have been holding on to some funky thoughts and beliefs. We do this through a simple journalling exercise.

Download your PDF here, brew a cup of tea and set aside 30mins to complete this powerful exercise.

I would love to hear what came up for you in doing this exercise? what surprised you? what felt good? what things do you want to let go of?


Tailor Made Workshop: Design Your Own Success

This intimate and powerful 2 hour workshop is designed to help you see what’s possible for your life when you begin to live from the heart.

In this workshop Ruby will take you through her clever three step process:

Decide – Learn how to get crystal clear and discover why it is important to get connected to your heart and body how you can choose powerfully from this place.

Commit – Leave today ready to commit to a #hellyes kinda life.

Succeed – Create what success is to you.

Hosted by Ruby Marsh in collaboration with lululemon athletica camberwell.



Resources I’m using for motivation, creation and transforming relationships

A few years ago you would have found me sitting on a bus with white Apple spec headphones in and commuting several hours a day to and from the city. I had a whole lot of time up my sleeve and there was only so much scrolling Pinterest and Instagram that could be done in 90 minutes a day (and that was on a good day).  

Hours of my life turned into making my way through podcasts and books, all the while evolving my curiosity for human growth and potential.

Today, with those commutes behind me (which has now become a more balanced 10 minute drive), I still draw inspiration in the same way – not only to grow and challenge my own thinking, but to support those who I serve through my work in leading women to transformation.

This year I chose to reduce my reading list considerably (to less than 5 books), while others layer book over book, month after month, I felt it necessary to put the breaks on consumption in an effort to turn up the volume on my own voice in this space. Less influenced writing and more truth telling.

Potent honesty from the heart.

So I invite you to dive into this list, but with one request, that you take it slowly. Read and listen with intent to learn and then go into the world and implement that which truly resonates.

Books I’m reading:

The School Of Greatness by Lewis Howes 

This book started my year in style and even had my husband attempting to claim it as his own. This book literally catapulted me into action, and saw us make some radical changes to our wider team – John read ‘everyone needs a coach’ so he went out and got one – true story, I love that men just DO.  I was always a big fan of Lewis’s podcast and this book is a practical extension of that.

Read this when you need a big serving of motivation and inspiration to create a vision and a purpose driven life. Perfect for you if you are toying with the idea of starting your business, Lewis lays the foundation with his all-American boy charm. 

White Hot Truth by Danielle LaPorte

Officially the print copy of this book isn’t due out till May 2017, but you can get your hands on the audiobook when you pre-order. And well, obviously I couldn’t wait because I listened cover to cover in just 2 days.

I credit this woman’s previous books (Fire Starter Sessions and The Desire Map) as having a significant effect on the course of my life. So after seeing this woman grace the stage in Melbourne, I knew she was the real deal. She so eloquently dishes out her poetic thoughts on all things from growth, spirituality, relationships to money but won’t sugar coat the truth. In fact, you might be surprised about her ‘truth’ around the personal development industry – important words that need to be said.

Read this if you are ready to get down to the core of being human, perhaps your about to make a change and you need some reassurance that someone else has also been there. Told in a way that will leave you ready to get real about how you’re living.

How to Live a Good Life by Jonathan Fields

As you can see from the podcasts listed below, I’ve been following Jonathan Fields for a while so naturally when he puts out a book I was in. How to Live a Good Life is the curation of his own habits and the habits of his guests (as well as scientific backing) accumulated over several years of interviews.

Unlike many personal development books, it goes much deeper than productivity and creating a big life, instead he has divided life into 3 essential, measurable buckets – vitality, connection and contribution. The concept of the book is that each bucket has 10 practices, so you can make your way through the book as a challenge or picking up one habit if you feel a need to fill up a bucket. 

Read this if you’re looking for something you can pick up and put down as needed. The simplicity and care with which the habits have been selected will make it easy to transition into the bucket life!

Podcasts I’m listening to…

Listen to this for personal development, life hacking and personal stories: The Tim Ferriss Show: Favourite episodes include No. 212 2016 What I’ve learned, No.186 with Tony Robbins, No.124 with Jamie Foxx – this is one for a long car ride, the humour, stories and intellect are incredible. 

Listen to this when you need to get motivated: Inside Quest with Tom Bilyeu. Favourite guests include Lisa Nichols and Tony Robbins.

Listen to this when you need support in your relationships and want to explore your femininity more: Untame Yourself Radio with Elizabeth Dialto: Favourite guests include Philip McKernon, Alison Armstrong, Martha Beck and Nancy Levin. 

Listen or watch this when you want to get inside the mind of an entrepreneur, writer or spiritual teachers: Good Life Project with Jonathan Fields. Favourite guests include Panache Desai, Elizabeth Gilbert and Elena Brower. I also suggest going back through the Good Life Project TV files and checking out episodes with Brene Brown, Marie Forleo, Danielle LaPorte and Lewis Howes. 

Now I would love to know what you’re reading for inspiration? what book took you from on the couch to taking action in a matter of days? 

Share in the comments below and of course if you know someone that might love this list, be sure to share it with them.


4 Simple Practices To Sharpen Your Intuition

A few weeks ago I had a Skype session with a gorgeous angel intuitive. Much of what she told me, I had already brought to fruition in the form of goals and desires in the weeks prior to our date. Which kinda shocked me, but I also had a funny feeling in my stomach that she was just confirming my own inner knowing.

However, the most illuminating thing about this experience, is that what she told me that day, had already been told to others in my family who had their own separate experiences with intuitive. Crazy huh? Or maybe not…

This got me curious about these two questions:

Is our path predetermined?

Or can we create, or choose our own destiny by using our inner guidance?

The experience I had with the intuitive, would probably leave you thinking that life is option a) – it’s predetermined.

To a certain extent maybe, but option b) has always seemed possible to me.

Today’s video is simply my observations, and stems from my curiosity.

In fact, I’ve always thought it cool that we could wake up tomorrow and begin to take the steps towards living our dream life.

You’ve possibly heard about tools like manifesting, law of attraction, affirmations – yeah?

Many of these tools come back to observing your thoughts, shifting limiting beliefs and rewiring your neural pathways – to bring in more of what you want. So this would suggest to me that we can create our own destiny. Despite the adversity we might face at times or the things that feel out of our control at times.

BUT ultimately, through these tools, we are able to change the lens through we see ourselves and the world.

This lens is the product when we embody an upward positive energy, a mind that is expanded to what’s possible, and the amount of time spent feeling stuck, sad, angry or resentful become less and less. It feels damn good when you’re in that state.

It’s all powerful stuff right?

So, then it got me thinking, how does our intuition (or our deep inner wisdom) play a part in our destiny?

Is intuition a gift we are born with or is it something we can strengthen – as we would a muscle?

Are practices like meditation one way to strengthen this muscle?

It is believed that intuition is something we all have, for some of us it is naturally stronger from a younger age.

The beautiful thing about developing your ability to listen to your intuition, is the subtle cues it provides us – that often can’t be explained through regular forms of communication like talking, reading or writing.

Intuition, I believe is an inner guidance mechanism, that allows us to lower the noise of thinking and being in our minds all the time – which I’m sure we all know well?

So if meditation is about awareness, being deeply observant – then ultimately we are creating an intimacy with ourselves.

We are deeply connected with our heart space.

I’ve seen it in my own life, that meditation is one of the quickest ways to flex this awareness muscle.

But so is the intimacy we create with our bodies.

Over time, the more you fine tune this intimacy, the body becomes a sort of barometer for when the pressure is too high or too low and we need to dial it accordingly.

This is where self care comes in.

Yep, I know I bang on a lot about this shit, but I know it is 100% the essence of maintaining our power and living our our truth.

They say ‘behind every great man is a great woman’…well I believe, behind every great human is a fully dialled in self care plan.

So in order to create the future that unfolded in my angel reading the other day, I am certain there are a couple of things that will both support and guide me towards that path, which is what I want to share with you today

//  Tuning into my body moment to moment, day to day. What do I need right now to thrive in this body so that I can create the life I want to live? What foods? What exercise? To stay up or go to sleep? This is self care.


//  Heart opening exercises – specific yoga poses or movement like dance that allow you to open the front of the body, move the spine in all directions and release tension.


//  Disconnect and get into nature. How can we truly listen to ourselves if we are always connected to our devices, even something as simple as walking barefoot creates a beautiful earth connection.


//  And finally, get in touch with creative side, paint, dance, do whatever gets you in the zone and forgetting about all those things you think are constraining you. I can remember what it felt like as a child to be engaged in play and everything was possible.


So, I have a little challenge for you.

Which of these four things are you going to incorporate into your day or week? 

If you want to put a lid on some of those thoughts that race around your head and begin to listen to the real answers that are in there, these sure fire ways will get there.

So what next? Perhaps you’ve got that niggling feeling that you’re ready to shake things up? You want to bridge that disconnect you feel with yourself or your career or your relationships?

Ready to explore what it might feel like to be 100% supported all while positively disrupting and up-levelling your life?


Begin this journey today. Accept this invitation to join me on a call to learn what you can create for your life.  

email me: hello@aconsciousbeauty.com to BOOK

Not sure if 1:1 mentoring is right for you? Then head over HERE to find more details.