Buzz Words

As I was contemplating what to write about this week the ideas of buzz words came to me. I have shared that I am on a growth journey and my reading and research and willingness to be open minded has led me to different buzzwords that I am coming across. I am all about these buzz words because I truly see the value in them and how they can help me on this enlightened path that I am now on. As you all know I am on a debt free journey. My goal is to pay off my debt and start working towards financial freedom. All this is possible, I have been listening to pod cast after podcast to get myself in the right mindset and what I am discovering is that it is possible. I am hearing all these stories from people that were able to get themselves out of debt and some that were even able to pay off their mortgages. This actually gets me excited because I can now visualize what debt freedom will look like and what it will mean. Now that I have started paying attention to my money I can see that debt freedom will mean more cash in my pocket for me to actually do all the travelling I want to do. I now realize that you need a workable plan to get to debt freedom. I used to say that I wanted to retire at age thirty and thirty came along and then I changed it to age thirty-five and then age forty. The thought was there the dream was there but there was no plan, the fact is I wasn’t thinking about how this could happen I was just thinking that I would like for it to happen. I now realize that you have to have a plan and this realization has come from my readings and goals. I want the money I make to be going to me and the only way to guarantee that is by paying off my debt as a starting point. I am also really into personal development because I had the self responsibility aha moment come to me. I realize that I am the one that has to take responsibility for the trajectory that I want my life to take.

In this realization of self responsibility I have seen that I am capable of achieving so much through hard work and taking ownership for my growth. This is where the buzzwords come in. As I have been reading and listening to different podcasts I have come across the word “mindset” so many times, you have to have a certain mindset in order to follow your goals and dreams and this is one of the buzzwords I wanted to bring to light. Another buzzword is self-care, the ability to realize that you are worthy to be loved by yourself. Self-care is something I have learned to embrace and it is serving me well. I realize that in this new instant gratification world where social media rules we forget to take the time to care for ourselves. We are being ruled by deadlines and what is going out there that we easily forget to take a minute for ourselves. I have made it a point to create time for myself so that I can function to my full potential without feeling superbly stressed out. I go to the gym , and I date myself whenever time permits. I took myself out just the other day, went to a brewery and had me a nice juicy burger and just enjoyed my own company. This helps me with my sanity as I am able to just slow everything down and partake in another buzzword activity. “Mindfulness” .. being present and savoring the taste , the smell, and the environment. It is important for us to take the time to be mindful of what is going on around us. This makes it possible for us to live with “intention” another buzzword that I am falling in love with. I say this because I feel that is where I am now. I am living each day with intention, I have started asking myself what is important and what is not important and I make the things that are important a priority for me, this is where I am now trying to live my life intentionally and with purpose. We can easily get carried away with the business of life and not really ask ourselves the important questions in life.. such as what our passions are, what makes us happy and what we want to truly be doing with our lives. One final buzzword that I am attracted to is meditation, I like the idea behind it but it remains a work in progress for me. I try my best to meditate when I wake up but I ma still a work in progress, I realize that mastering meditation will require a lot of practice from me . I also realize that it is a skill that will help me with my mindset, self-care and my intentional living journey.

What buzzwords have you been coming across and which ones are applicable to you right now in whatever journey you find yourself in. Please do share.

With Love and Gratitude

Strategies for the new month

Hello all, as the year is winding down and we get into the final quarter of the year I cant help but look over my goals to assess where I am. Overall I am giving myself a pat on the back because I can see that I am doing rather well. My fitness journey is moving along smoothly because I have been consistently going to the gym and I have even added some Neighborhood running to the mix of things. I am on my debt repayment journey and although slow there has been some positive movement where that is concerned. I am a work in progress where meditation is concerned but I continue to try and quieten my brain whenever the time permits.

I have traveled some and I am also valuing the time that I get to spend with my kids. I havent been as great at reading. Granted I have read more books this year than I did last year but I am not close to being on track with my goal of reading 40 books. in order for me to achieve this goal I realize that I will have to come up with a strategy that will actually work. As a reader I am a lifelong learner so I try to learn from the books that I read. My latest read is “The 7 habits of highly effective people ” by Stephen R Covey and it has a bunch of highly efeffective strategies that I am going to try out. One of them is how to plan out your week. He recommends a method that incorporates your roles, goals, and values that way you are focusing on what’s important to you. So I might have personal development goals that might be associated with my roles as a parent, spouse, leader, and athlete. He recommends planning out my week by identifying time slots that I can allocate towards my different roles. This way I will have a general Idea of what my week will look like and I will potentially have a better chance of sticking to my schedule and not reacting to the busyness of life.

Laying out your plan for the week makes it easier for you to say no to the unimportant things that come up making it easier for you to protect your time and sanity. I will definitely try and start planning out my week this way, if anything I will at least get eefficient use of my planner. I am excited to try out anything to get ne through the Katy four months of the year. I have to read a lot of books and what better way to attempt this feat than top plan out the reading on a weekly basis. I will share hope ur all goes along. How do you all plan out your goals and the tasks associated with achieving those goals? Do you plan the night before or the week before? I hope you have a general strategy that does work for you.

I will continue to share things that I learn as I continue on my path.

With love and gratitude

Dr Fatsani Dogani


I have been trying to be as transparent as possible in sharing my journey. My goal in starting this blog is to share my story in an attempt to encourage women to proactively plan for their future I am biased towards women because I am a woman and I am sharing my experience as a woman. Several years back my husband was diagnosed with a spinal tumor and had to undergo spinal surgery, I share that experience in my self published book “Stop, take a breath, and reassess Life”. That experience is what has inspired me to encourage women to proactively plan for their financial futures. I am a work in progress where this is concerned but I have made it a priority in my life. I want to be prepared for what the future holds. I have been working on myself and have had the realization that for any effective change to happen I have to want it to happen.

I am a hardworking individual and I love to read, I am now realizing that people that are in certain levels in their lives are there because of the amount of work they put into improving themselves. I think as I am growing my circle is getting smaller , or it always has been. I just don’t have a lot of time for things that don’t bring me any value and this is where the aspect of habits comes in. As part of my self improvement/ personal development journey I have come across different pod casts, blogs, websites, you tube channels and Facebook groups. One pod cast that I am currently enjoying is the His and Her Money pod cast. This pod cast has been great for me for this season in my life. I have made the decision to get out of debt and following this pod cast has opened me up to a new community of people. Individuals that have decided that life is better enjoyed debt free. They have developed habits that have made it possible for them to make the transition and they are enjoying debt free lives. I am there now, I want to be debt free too and they have made me realize that it is all possible given the right motivation. I want to enjoy life on my terms and I believe debt free will give me that type of freedom. It mean I will have to make certain sacrifices and become intentional with my spending but I am ready for that. This has not been an easy decision and I know that sustaining this will require a mindset shift, this is where my personal development journey will actually aide me. I have been reading and exposing myself to content that helps me grow and I feel like this week the universe was talking to me about habits. I came across a podcast that was talking about how our habits can actually help us achieve the goals that we set for ourselves. There are certain habits that if you took up would actually help you in your own personal growth journey. I am just going to share 2 for now. These are habits that I have easily been able to sustain and I feel that I can confidently share them without feeling like a fraud.

Exercise: your future self will love you and thank you for taking up the habit of regular exercise. I started off this habit really simply I new I had to make it a requirement for myself and I also knew that I had to make it something that I could easily sustain. I looked at my work and home scheduled and really thought about how I could fit any exercise in. I knew that trying to exercise at home wouldn’t work for me so i figured the gym would be a better option for me. As luck would have it the gym is on my way home from the gym so I figured I could try and attend gym sessions on my way from work whenever I needed to make up time. I went with 3 times a week as a starting point because that is not too much of a commitment. Also knowing myself I decided that the class setting would be a better option for me as I was not yet disciplined enough to keep myself accountable if left to my own devices. I didn’t opt for a trainer because I am on a budget (proactively planning for my financial future). Keeping it simple at 3 times a week has actually been great…. I have been able to consistently get to the gym 3 to 5 times a week depending on what my weeks look like. I think because of this I have become physically fit to the point where I have also started jogging around the neighborhood. I run my first ever 6 miles and my time was actually not too shabby. I might actually be developing another habit but we will wait on that one. Exercise is great for your personal development journey because it helps improve your health and it also keeps you in shape, you benefit from being happy…. ask anyone how they feel after a great workout and the majority will let you know that actually feel happy with a sense of satisfaction.

Reading:one habit that I am so grateful I started was reading “self help” books as people like to call them, but to me these are considered personal development books. Read to learn at least for 30 minutes a day. You will be amazed at what your little brain is capable of. We apparently function at only 10% of our brains capability, which to me is a waste. So i decided to test myself and see how many books I can read in a year 40 is my goal and I know i can do it if I now commit to reading a book a week. At the beginning of the year my goal was to read two books a month and i started off really well but as the year has progressed I have started slagging but now that we are in the final stretch I have revisited my goal and will aim to finish a book a week. I will share at the end of the year whether I will have sustained this goal or not. I have also committed to make notes as I read, one thing I wasn’t really doing in the past, I am currently reading the 7 habits of highly effective people and I am writing all the gems of wisdom and aha moments as I come across them. The benefit of this strategy is that i can come back to these notes of mine whenever I want to recall these nuggets of wisdom. How do you read your self help books? Do you tend to make notes in the book, in a separate note book , or not at all?

Beside reading and excersising what other habits do you feel will help you live your best life ever, while you proactively plan for your future? Hope you found this blog post useful.

With Love and Gratitude

Dr Fatsani Dogani

Kids and Travel

I count myself lucky as I had the opportunity to live in different countries when I was growing up and as a consequence i consider myself a global citizen. I am grateful to god that I had this experience early on in life because it has made me open minded to different cultures and beliefs and I feel that is also where my interest in travel was piqued. Now that I am grown and have my own kids I would like them to also experience other countries and cultures as well.

My kids love to travel and they have been able to travel with us a few times to both Tanzania and Malawi but I would like them to also experience countries in other continents as well. We are therefore planning a trip to Europe more specifically England this coming christmas. My sister recently moved back to the UK and this will provide us with the perfect opportunity to visit her and her family for christmas. We get to see family while getting the opportunity for my kids to travel to a new country. They are excited they will get to see their cousins but not so happy about not staying in a hotel. What is it with kids and hotels? My kids cant get enough of them. Since we are planning a big trip in August i told my kids that we would not be having a big vacation over the summer, needless to say, they were not overly excited about this. In order to make them feel like they had at least done something fun we arranged a few local trips where we ended up staying in hotels for a night. Surprisingly this was well received…. i have read that any trips away with kids will always be well received as it makes them feel loved and appreciated as you are taking the time to bond with them. These are the fun memories your kids will take with them into adulthood.

I find this to be true as the fondest memories from my childhood are those that involved us going away somewhere and staying in a hotel. I am being intentional with life and since I am proactively encouraging women to plan for their futures I am also encouraging them to plan for trips away with their kids as these are the best gifts you can give them. They get to learn about the world around them as well as stock up great memories of their childhoods. I think I will book as a one night hotel stay while we visit my sister in England over christmas I know this will make my kids happy. Whats the use of having marriot reward points if you don’t take advantage of them. I am not a good planner but this new journey of intentional living is forcing me to change my habits one day at a time. How will you create great memories for your kids?

with Love and Gratitude

Dr Fatsani Dogani


Health Matters

As I grow older, it takes me a bit longer to get up from a sitting position, my bones creak every so often and I even find myself making some funky noises with lots of movement. I get it I am not getting younger but I am making the effort to do what I can to maintain some good health habits. I always took things for granted, I have never had issues with weight or major health scares but I am intelligent enough to know that I have to take the necessary steps to prevent the disease that I can at least try and control. I have known family medical histories of hypertension and diabetes and I know that there are certain aspects of my lifestyle that can help prevent me developing these diseases and needing to get on medication. Diet and exercise are the modifiable factors that I have some control over. I have to watch what I eat, while also getting in as much exercise as my schedule will permit me to.

I turned forty last year and I am excited by what the next chapter in life has in store for me. I am on a journey of discovery, self improvement, and intentional living. What do all these buzz words even mean. I am just realizing that life can be what you want it to be. I am now realizing that I can live my life with purpose and not just survive, what this looks like is me asking myself important questions. What do I like, what makes me happy, what do I find enjoyable? Do you ever ask yourselves these questions and go with what your answers are. Do you let your answers guide the trajectory of your life. I feel that it is only recently that I have started asking myself such questions. I am now on a new path and I am excited by it all. I am trying to ensure that whatever I do these days actually brings me some sort of meaning. I have taken on my debt free journey where I aim to pay off my student loan debt and enjoy the freedom that will bring. This has also led me to the healthy eating and exercising path. Which now brings me to the main reason for my writing this blog post.

I am a nurse by profession and I also studied public health, so I am pretty versed on the role that health screening plays in identifying and preventing certain diseases. As a woman I have the risk of developing breast cancer and given great public health advancements I knew that breast cancer screening is encouraged after age forty. Despite this knowledge it took me a year to arrange my 40 year physical to request the mammogram through my physician. I am not sure how other States are but where I am and with my health insurance you have to be in the driving seat of your healthcare. By this I mean you have to be the one requesting certain things from your physician, including the yearly physical… you have to be proactive. I turned forty and its not like my Doctors office was going to call me to say hey you are forty you need your physical and you will need your mammogram, I had to be the one to take these steps myself. Its part of self responsibility I suppose. Despite knowing all this it took me a whole year and several months to get around to booking my physical. When I did get around to doing it I still had to request the mammogram. That was me taking control of my healthcare needs. I am glad I did because I have had to get a follow up ultrasound as well and I have also been advised to follow up with another mammogram and ultrasound in 6 months time. Apparently my breasts are dense (whatever that means) and there might be an area of concern that will need to be followed up in 6 months. Yikes right… shouldn’t I be requesting a biopsy….. if you know me you know that I am not usually one to panic…I have been praised for my calm demeanor and I will continue so and wait for the 6 months to be re screened. I am writing this post for my fellow women. Since my intentional living is now all about encouraging women to pro actively plan for their futures part of that is taking great care of yourselves to maintain good health and prevent and seek out treatment for certain disease. After reading this post I want you to self inventory yourselves.

When was the last time you saw your Doctor?

When was the last time you had blood work done?

If you are forty or over have you had your mammogram?

Do you know your family medical history?

Are you exercising regularly ?

Are you eating a balanced healthy diet?

Let your answers lead you to your best lives ever. I am just here to encourage you to take the small simple steps that can guide you to intentional living.

With Love and Gratitude

Dr Fatsani Dogani

Always Learning


Oh my what a week… busy but fun. I am at a point in my life where I am not ashamed to admit that there is always room to learn. I am on this path where I am encouraging women to proactively plan for their futures and I consider myself one of those women that need to step it up and start thinking about what my future life will be like and what I am willing to do to get it to the vision I see. I am one who easily speaks about my student loan. I stupidly got myself into major student loan debt with my doctorate degree.  This is the norm right, everyone has student loan debt and its no big deal…. this is what most would like to have you believe and this is so far from the ideal.  I am now a proponent of encouraging people to go through school without debt because the debt is so not worth it. What you end up paying in interest alone is so no worth it and it just feels like it is a burden you will never be able to get rid of.

I am here to share that there is actually hope, there are people out there that have taken on the fight against student loan and they have been able to beat it. I am now a big fan of a pod cast that features a lot of guests that have been able to pay of their debt and are now living a life of peace and abundance without the burden of debt. The good news is that this is all possible. It requires a plan and commitment, as well as some sacrifices here and there but it can be done. We just have to live within our means, as a society we are god at spending money we don’t really have. We have become so plastic focused , swiping away and buying things with money we don’t even have. This is not the way it should be and its so hard to know this especially if this is all you have ever known. Unfortunately schools don’t really teach you about finances and budgeting , and depending on your background you might not even get to learn about these important topics from your family and friends. Thus it is then left to you to do the necessary work to educate yourself and get yourself out of the financial mess that you might have unknowingly gotten yourself in. This requires a lot of work and commitment as well as the time commitment into educating yourself. This is where the podcasts I have been listening to have become very handy.

I have been able to listen to others that have been in a similar situation as mine and  they have been able to get themselves out of debt. The joy and peace you hear in their voices has been so encouraging that I now also believe that I can become debt free. Sacrifice, commitment and hard work will be required but I am willing and eager to put in the work. This journey  has started with me attending a financial planning class at my church this past weekend. It was both interesting and empowering in that I found out that there are a lot of people going through similar situations and as such it is nothing to be ashamed of. Life is about learning from past mistakes and growing through them. Based on my past mistakes I have made it a point to educate my kids on the dangers of taking on too much student loan debt. If they can I would rather they work hard towards getting scholarships and benefit from free education that way. It is too late for me but not so for my kids. I am actually excited about tackling this challenge, how creative can I get with figuring out multiple income streams to help me chip at this student loans. Join me on this journey and see where I end up. I hope you are all learning every day and are receptive to the fact that learning never ends.

With Love  and Gratitude

Dr Fatsani Dogani

Smart Women Finish Rich: A Book Review

My goal this year is to read 40 books that is 4 times what I read last year but who cares right. If I reach the goal I would have achieve a lot and if I come below goal I still would be better off than I was last year. My thing is always reach way higher, push yourself to your limits that way even if you fall a bit short you are still an improvement from where you were.

I just finished reading a book titled Smart Women Finish Rich and it was a breath of fresh air, because of where I am in my personal development journey, I learned a lot, and found great value reading this book. I know 3 years prior I probably would have just read the first few pages and put it aside because I wouldn’t have been ready to accept what was being taught. Thankfully I can now see the need for my taking the driving seat in planning for my future. In the book Dave Bach does a great job at laying out the case for why women should pro-actively plan for their futures. Yes, taking on the responsibility, and educating ourselves about the need for a retirement plan and/or a future that is ours by our own design. Are you living your best life or are you just surviving? The key is that you must decide what is important for you, not your parents, not your kids, not your spouse, not your siblings, not your friends but you. I just wish everyone could just figure this bit out YOU ARE RESPONSIBLE FOR YOUR LIFE. This has been the biggest realization of my adult life and it has resulted in me aspiring to become the best version of me. All this aside lets get back to the book.

I read the second edition, which I purchased for $1 at the local thrift store. It is rather dated , because there have since been more updated versions with the most recent version having been published in 2018. There are a few things that are probably not as applicable based on my version but the overall message should make every woman pay attention. Some key aspects I found useful was the step by step formula that was used to lay down what steps women should take to get their financial house in order. Whenever I am trying out something new or learning something new I always go to the why question. Why am I learning this?, why does it matter,? Well its as though David Bach was speaking directly to me , because he did provide details and reasons as to why women should be taking the driving sit in planning out their financial futures.

He provided a bunch reasons as to why women should be taking charge of their money and although my version was published in 1999 most of the reasons if not all of them are still valid today. Fair or not, women need to do more financial planning than men (David Bach). Here are some of the reasons why from the book as well as my own research on the topic.

  • women still typically earn less than men
  • women are the ones hurt more by downsizing
  • women take more time off from work and as such end up working less years than their male counterparts thereby contributing less to their retirement funds
  • women will on average spend more time in retirement, because they tend to live longer
  • women tend to turn down promotions due to family obligations
  • women have more career disruptions which affect them negatively as they end up having to forgo incomes, and loose out on work provided benefits
  • women are the ones that are usually affected by divorce or the death of their spouses especially if they are not really involved in the management of the family expenses

With all these reasons and more I am sure you are beginning to understand why it is important for women to start taking control of their finances and start planning for their futures. Reading Smart Women Finish Rich would be a great way of starting to educate yourselves. Even a google search provided me with a lot of interesting articles about why its important for women to proactively plan for their futures. It took me doing the work to find this available information, unfortunately a lot of other women never take these steps because they never think anything will happen to them or their spouse or they work on the assumption that all will be well. I am here to share that life happens and you have to be the one to save your self and plan for the future you want. What I liked about the book is that it provided really simple, easy to follow steps on how you can get yourself onto the right path. It starts with opening your eyes and owning your mess. Its only through this that you will be able to create the future you want.

Travel adventure, kids college, retirement security…all these can be yours but only if you start taking the necessary steps to get to a sound financial picture. He focuses on having us create three financial baskets

  1. Security Basket (meant to have you plan for the worst) ensuring that you have a financial cushion in case god forbid the worst would happen
  2. Your Retirement Basket (are you putting aside money towards your retirement)
  3. Your Dream Basket (budgeting for the fun things in life, your goals , your aspirations)

The book was long and it had a lot of information and it kept my interest but also had me question some of the recommendations but then again I was working with a 1999 version of the book. Some of the investment strategies that were being recommended do have some question marks on them. Tony Robbins has published a book which in which he discourages the use of mutual funds and the deferred tax strategy of saving mainly because we have no idea of knowing what the government will charge when it comes time to pulling our retirement funds out. I am learning, and you should be too. I will continue to educate myself. I do recommend this book because it is easy to read, I was able to follow the concepts or it could just be that I now have a keen interest in financial planning for women and as such I found some value in the learning.

I will plan on sharing more book reviews, I could go on and on about this book but it was 328 pages long and I don’t wont to lose you to boredom though this shouldn’t be taken as a boring subject it is required knowledge and it a shame it is not readily taught in schools. The book gets a thumbs up from me for its ease of reading and relevancy.

With Love and Gratitude

Dr. Fatsani Dogani