RESHMA BHOJWANI
Entrepreneur, Founder of Flourish Bizcenter – Money Wisdom & Life Coach
Published Author of the book–‘Pandemic Budgeting & Finances: How to Use Piggy Banks and Stop Counting Sheep’
BA in Psychology, a Master’s in Computer Management, and an MBA.
Founder of Flourish Bizcenter and Life Transition Coach.
WHO IS RESHMA?
Her journey from First Marriage in India to Divorce and Second Marriage and Divorce in USA to becoming an Entrepreneur and living her Dreams. Reshma was raised in India and after a traditionally arranged marriage, moved to the US with her brand new husband of three days.
I remember my very first mini-set of challenges as though it was yesterday. Soon after my divorce, when I received the news that I got a new consulting job, I began to dance with joy, but it didn’t last long and I started shaking like a leaf!
"I felt powerless and like a child being forced to make an adult decision against my will. Imagine meeting a man for the first time on April 27th, getting engaged on May 8th, married on May 9th, and landing in Phoenix, AZ on May 12th with an absolute stranger,” says Reshma.
Two years later she was happily divorced and in a quest for a new husband. Presently Reshma is completing her memoir detailing her life in Iran, India and the United States.
Coming from a protected family, Reshma had never lived alone until her divorce, after which she had to learn how to stand on her own two feet and support herself. There were a lot of fears she had to overcome, especially first time experiences that others may take for granted.
“I remember my very first mini-set of challenges as though it was yesterday. Soon after my divorce, when I received the news that I got a new consulting job, I began to dance with joy, but it didn’t last long and I started shaking like a leaf!
How was I going to relocate from Scranton, PA to Fort Lauderdale, FL on my own? I hadn’t even been to the local grocery store by myself before my divorce; tears rolled down my cheeks.
Thus my adventure began – I got a road map from AAA, installed a hitch on the back of my car, rented a U-Haul cargo trailer and loaded my stuff. By that time, I felt pretty good about what I had accomplished, and got into the car to get on the road. I put the gear in reverse, looked in the rear view mirror and froze—all I could see was the back of the trailer. Being a new driver, I hadn’t practiced using the side mirrors as yet, and I had a twenty-four hour trip ahead of me.
There was no turning back for Reshma from then on. Fast forward twenty years, today she is an entrepreneur, founder of Flourish Bizcenter, a published author of the book ‘Pandemic Budgeting & Finances’, and on her way to achieving financial freedom. Not bad for a woman who was once homeless.
She wants people to take the opportunity to learn from her experiences and shorten their learning curve, so that they can reach their financial goals and fulfill their dreams.
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Author
Published author of Pandemic Budgeting & Finances: How to Use Piggy Banks and Stop Counting Sheep.
Published author of Pandemic Budgeting & Finances: How to Use Piggy Banks and Stop Counting Sheep.
Reshma has survived several crises in her life, starting from the young age of twelve when she lost her father, and her family went through financial hardships. In her career, she has enjoyed tremendous success but has also been unemployed and suffered a loss of income.
It happened once again during her divorce in 2015. Once she got rid of her ex-husband, by the grace of God, she was able to get ahead of her financial struggles. In five years, she has successfully eliminated $25,000 in debt, built her emergency fund, and has stopped living paycheck to paycheck. Each time, she bounced back and came out stronger than before.
How did she do this?
The 2020 pandemic crisis is showing that
people’s finances are out of whack and a lot of them are in bad shape and need help.
“It breaks my heart to see people struggle with their finances, one of the major factors is due to having bad money spending habits,” says author and financial coach, Reshma.
Having struggled with finances for over twelve years due to her ex-husband’s bad money spending habits, she knows exactly what people are going through today.
In her book she says, “Be it a crisis due to unemployment, recession, divorce, or the coronavirus pandemic, a crisis is a crisis and you need to switch to an emergency budget immediately.”
Now you must be wondering, has she lost her mind?
What on earth is a pandemic emergency budget?
Reshma, in her book walks you through the process to create a budget versus an emergency budget, and how to make money in your sleep.
Having personally gone through several financial crises in her career, the 2008 recession, two divorces, and now the coronavirus pandemic, Reshma has written this book to share her personal life stories, give practical examples, and provide action steps on creating a pandemic (crisis) budget, using the power of automation, and developing the mindset of a millionaire.
Her future goals are to achieve financial freedom so that she can pursue her childhood dream of going on a world tour and owning a Hummer. Yes, she is fully aware of the gas bill that will come with it, but a girl wants what a girl wants.
‘’If you don’t find a way to make money
while you sleep, you will work till you die.’’
BY WARREN BUFFET
Once she got rid of her ex-husband in 2015
By the grace of god, she was able to get ahead of the game with her financial struggles. In five years she has successfully eliminated $25,000 in debt, built her emergency fund and has stopped living paycheck to paycheck. She can show you how she did it!
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Let’s connect and chat to get to know each other!”
Entrepreneur
“Ever since I was in my twenties, I’ve had this gut feeling that one day I would own my own business and travel the world. Today I can proudly say that ‘one day’ has arrived,” says Reshma.
Today she is an entrepreneur who owns several businesses. She is the founder of Flourish Bizcenter, an author, a partner at LegalShield, and she plans to be a real estate investor in the near future.
If she can do it, you can too!
Reshma is passionate about helping people who are stuck in transition put together a “get free” financial plan, so that they can become financially independent and not be afraid to take the next step sooner.
about helping people who are stuck in transition put together a “get free” life and financial plan,
She provides customized life and financial coaching services to individuals, families and business owners and teaches them how to take control of their personal and professional life , so that they never worry about money again and fulfill their dreams in this lifetime.
"The failure rate of startups and small businesses is high in the first few years since they do not have a robust financial system in place. My service provides business owners the knowledge they need to be successful in their business. I have figured out the solution, so why should others go through the struggles I have already learned from experience," says Reshma.
In her book, ‘Pandemic Budgeting & Finances’, in Chapter 6 titled Make Money While You Sleep – Millionaires Do It, Why Not You?, Reshma has explained the importance of having multiple streams of income.
This is a perfect illustration of
how people with a single source of linear income
This pandemic crisis is a perfect illustration of how people with a single source of linear income, which is the source of income for more than 90% of people around the world, have been affected. Millions of peo¬ple have lost their jobs and are collecting unemployment.
In her book, Reshma writes, “My point is, stop living paycheck to paycheck; have multiple streams of income and don’t get caught off-guard again – there is always a looming crisis on the horizon.”
Reshma added, “Precisely for this reason, I have multiple streams of income from the financial coaching business; LegalShield, a company that provides affordable legal services; and Primerica, a financial services company. These two companies are complementary to my coaching service and provide added value to my clients. They also generate passive income for me, so it is a win-win for both my clients and me. Are you unemployed due to the coronavirus pandemic or looking to make extra income through business opportunities?"
Research shows that self-made millionaires have at least three streams of income. This can be invaluable – not only for monetary value, but because it will allow you to live the life you want, and it will hedge against whatever the future might throw at you; for instance, the coronavirus pandemic of 2020.
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