Category: "Money"

3 reasons why you might not have hit your income goal

September 19th, 2016 | no comments

Being off track from a goal you set at the start of the year is not the nicest feeling.

And it’s not entirely your fault. We get fed lies or mistruths during our ‘working lives’ and are in a bit of a haze about how money actually shows up in our bank account. Think about it.. when you worked for someone else, you had a paycheck that was pretty much guaranteed, and whether you got it every week, fortnight or month, you probably hardly had to think about it. You showed up to work and you got paid.

When we bring this thinking into our business though.. we can really shoot ourselves in the foot especially when we don’t see the truth about how money actually comes into your business.



If you don’t consciously realise what needs to happen for money to keep flowing in, you can be really busy working on your branding or messaging or tweaking things on your services but ultimately what gets you paid is the facilitation of a sales conversation.

Now that conversation can happen online or offline via the phone. If the activity to allow this to happen is not worked on , on a consistent basis then it Will affect your income.

2. Consistency is key. Not once in a while or when you Feel like it. The problem when sales conversations don’t happen consistently is that you may get some months where the volume is really high and other months where it’s not so great. If you’ve planned for this and have seen a pattern within your financials where certain seasons and months tend to be your best , then you can allow this money to support you over time. The problem lies in the instance that this isn’t planned for.

3. Habit – when an activity in your business is a habit – it’s something that doesn’t require conscious thought. We usually think that highly successful people must lead really disciplined lives  – but really , what these people have mastered is to prioritise the areas in their lives that requires just enough will power and discpline and persistance in order for a Habit to kick in.

Once habit takes over you pretty much start cruising along until perhaps something happens whether consicously or unconsciously that breaks the habit. Eg, relatives come to stay and you may have temporarily given up your morning routine or ritual that would keep you in a good space mentally.. and then you realise why you’re not so “on your game”…

If you have been experiencing a gap with the income goal you set yourself at the start of the year, do not worry – you can still make it! You just need the right kind of  guidance and support that allows you to make this a key focus for you.

If you’d like my help to get you to your income goal , I would love to invite you to my 60 day income goal reset programme. You can find out about it here >>



Part II – How to price your packages so they are aligned with your heart – Nadhira Razack

May 29th, 2015 | no comments

So On Tuesday I sent you an article about how to create your pricing so that it’s aligned with your heart and the assignment was to add up the figures for your needs and desires so you have a clear idea of your monthly financial number. Do this step so when you do price your packages the money actually has meaning. If you missed it you can Read Part I here

How did that exercise go if you’ve just done it? Watch out for what can come up to distract you when you get to the exercise.. any patterns that show up whilst you do it is really telling of where you stop. For some of you.. you  may have found yourself googling away at all your desires.. and finding out how much things cost.. but at the same time feeling like.. Oh gosh.. how can I receive that into my life?

Or you may have thoughts like “no matter how much I make it’ll never be enough” … no judging those voices.. just be a witness to those thoughts..

Let’s get rolling with Part II of this exercise:

Having a package for your services is One thing. Learning how to price them in a way that’s aligned for you is a Game changer!


To come up with the price of your packages for your service: here’s where we start:

  • Step 1: Think about your package and the time you have to service clients so you get a clear view of how many ideal clients you’d like to serve in these packages per month.
  • Step 2:  Get your Monthly Financial Number and divide it by the number of ideal clients you would like to serve each  month for a particular package. For Example: Let’s say your monthly financial number is $5000 and you want to work with 4 clients at a time in a 3 month package. $5000 divided by 4 = $1250 per month. This is your monthly rate you would be charging per client.
  • Step 3: See formula you can use to work out the ideal package price for your service. Here I’m assuming that there is only one package in this business.

The Math:

Your monthly financial goal number multiplied by the # of months you’d like to work with someone  , divided by the ideal # of clients you’d like to work with:

In this example: Monthly Financial goal number = $5000.     The duration of the package is 3 months. Ideal # of clients to have in your schedule at any time = 4.


($5000 x 3  months) divided by [ideal # of clients which is 4] = $3750/= is your package price.


So to allow the $$ in, you need to find 4 people you can help. If each of the 4 clients paid $1250 per month for 3 months, you receive your $5000/=.

Always make sure the value you deliver exceeds the investment you are requesting from your clients.

Your only job now is to go get 4 clients at this rate.

If you’re going.. “Great.. but How do I do that Nadhira?” – and you may have questions like “where do I find these clients?” or “how do I ask them to work with me?” or “I can’t possibly see myself charging those rates! Can people really afford to pay me that?” or “I’m scared that I can’t deliver that much value..”

Then I’d love to invite you to come join me for a One day workshop next Wednesday 3rd June where we will be huddling and getting this sort of thing looked at in your business. You can even apply for hot seats and laser coaching when you’re there so we can experience a breakthrough in this area.

Get your ticket here!:

You will have to get out behind your laptop and come join me for a day. Do what you need to do to create space so you can make it.

Can’t wait to see you and work through this with you!



p.s. contact if you have any questions.

Get your ticket here:

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There’s Potential and then there’s Results – what to do when Potential doesn’t translate to results – by Nadhira Razack

May 15th, 2015 | no comments


Ever wonder why you may have great ‘potential’.. but for some reason it doesn’t translate into results in your business?

Here’s what I see with a lot of entrepreneurs with potential – yet they’re not seeing results on the outside.. like the clients and the money and the fulfilment.


Don’t beat yourself up – many people have the same problem especially when you’re making tracks in your gifts and bringing your full self to the table.

I know I did! I remember having completed a training to become a mentor in Universal Intelligence.. where I can tune into energy if I wanted to.. and I was being offered the opportunity to make a nice “side” income as a mentor of this company..

Note this happened exactly at the time I had decided I was going to take my business seriously and charge for my services in a way that felt good.

When it hit me that I was in fact ‘cheap labour’ and the energy exchange didn’t feel right,  I chose to get on the phone and let the company know I couldn’t follow through. I did get some fireworks at the other end of the phone.. and I knew I upset someone.. and whilst it was uncomfortable at the time.. it was the best thing I  did because the energy it freed up for me .. allowed me to Focus! And Focus my folks is the key to allowing things to come into your life at lightning speed.

Here’s where things start to break down:

It can look like : someone asking you to come work for them just as you’re about to uplevel and bring in clients of your own.

On the outside it might seem like the perfect ‘opportunity’

You’ll even convince yourself it’s a good decision by telling yourself:

  • Yeah I will get exposure to these people who might want to hire me later
  • I will get referrals
  • There’s the promise of payment etc..

And yet if you really look at it.. you’re working for free or almost nothing. The opportunity is really going to take up a lot of your time..

And the worst thing is.. you lose your Focus on what you’re creating and bringing about.

When you come to sit with  your own creations.. you wonder why there’s no Fire underneath..

Well my dear.. your energy is scattered!

The good news is you Can do something about it: )

Be like a detective and sniff out any projects you’re working on that you are holding onto as a back-up or back door to your own dream.


It’s a case of being like a detective and sniffing out any projects you’re working on that you are holding onto ..thinking “yes this will get me to where I want to go”  but asking yourself some clear cut questions as to the real motivation behind picking these projects:


  1.  Write out the project that’s holding energy for you.. where you might be working with someone else.. or you’ve done a course and now those mentors are asking you to make calls for them and practice your skills..
  2.  Ask yourself “is this taking me towards or away from my burning desire”
  3.  Is the energy I am gifting here being reciprocated. Is this a fair exchange?

If the answer is No.. then do yourself a favour and speak up and let it go.

You might upset people or make them mad..

It will be so worth it though because your freedom is on the other side.



You doing the work that God put you on the planet to do.. is way more important than you  having to bend forwards and backwards trying to please people or worry about how you would be perceived.

The key here is to say something if someone you admire/respect is getting you to do something that feels “off” to you or you feel like a boundary is being crossed.

Remember that if something is misaligned for you.. no matter how much ‘work’ or energy you put in.. the result will not have the same kind of fulfilment that aligned desires can have for you.

The difference is – one is rooted in Fear. The aligned desire is rooted in Truth and Love.. and where Truth and Love exist.. you are bound to be supported by the Infinite and all life.


If you resonated with this article and you know that your energy can use a little Tune up to get you moving in your business.. then I would love for you to attend my One Day Workshop in Melbourne on June 3rd.

Get your ticket here! :

I would love to see you in person.

Much Love


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The Truth about Sufficiency and “Enough”

April 15th, 2015 | no comments

You know I was reflecting on this and communing with God, asking what needed to be said right now and it was really about sharing that we need to start with a knowing of what our Enough looks like.

This means.. being so clear about what your personal monthly expenses are. Your business monthly expenses..  and knowing that number off the tip of your tongue can be so freeing.

Contentment.. what does it feel like to you?

Contentment.. what does it feel like to you?

Here’s what my Enough looks like right now:

  • A clean decluttered space
  • Nourishing food to eat
  • Moments in my day when I get to witness the beauty of life unfolding around me.. like how Aqeel can be pottering around playing and I get to observe him and enjoy the musicality of his voice and tone.. the hugs!
  • Working with exactly the right people where I know we’re doing great work that’s shifting and healing the planet and our consciousness..
  • The space and time to commune with God and be thankful for everything that’s unfolding even if I can’t see Exactly what it looks like.. but just leaning and feeling it out each day and taking guided action..


My tips for getting to your Enough:

1. Get a spreadsheet out and list your rent/mortgage, utilities, groceries, car payments  / transport, insurances, any credit card or loan payments, childcare costs, haircuts, health/gym memberships and get a monthly figure and your annual figure.

Do the same with your business expenses, whether that’s coaching fees, memberships to associations, marketing costs, website hosting and maintenance.

List everything you spend money on.

2.You’ll then add to that any desires you have for the year, so if that’s travel, then add the airfares and accommodation and spending money you want to have on your holiday. If you want a new couch or you want to renovate your kitchen, or save for a special event or a deposit add that to the desires pot.

Get a total figure there.

Do the same for your business: if you want to hire support or get your photos done. Find out what that would cost and write it in your desires figure.

3.Add your needs number + your desires to get a total annual figure. This will ground everything for you.

When you look at that number don’t be afraid. You’ll start to see possibilities of how this could come in later. First you need to just have some clarity about what’s right in front of you and also what you’re desiring in the year to come.


You might find a couple of things happen when you sit in front of these numbers. Either a feeling of excitement to know that you  have clarity now that you have a number to aim for.

Or a feeling of overwhelm.. like it seems a crazy figure to you and you don’t know how you will ever hit it when you add your desires number in.

Or a feeling of “that’s not enough”,  “I need more!”  I really want you to be the silent observer and just witness what comes up for you. No judging it as good or bad , positive or negative. It’s just witnessing.

I remember my first Private Day with my coach and I had to declare the number that I wanted to create.. and I did.. and very soon after that my ego came in and started to judge it and say.. “that’s not enough”! It felt like an internal bully that said ‘no matter how much you earn it will never be enough..’

My question to you is: How much is your Enough? What’s that figure that’s going to give you that feeling of Contentment where you know All is Well?

It’s been four years since that day now.. and I know.. that in my system my feeling of Enough and that feeling of ease and sufficiency has clicked in.

That’s my wish for you.
Let me know in the comments what questions this brings up for you. What does your “Enough” look like?


The times when you don’t need or want clients or money – How to give yourself what you REALLY need!

February 8th, 2015 | 1 comment
You know.. when I had just given birth to my son Aqeel, I hadn’t even allowed myself to ask myself what I really wanted..

I thought I needed and wanted money that December (my first month after he was born) so I could feel supported. In the 3 months prior to his birth, I went out networking and was creating opportunities in my business to serve some new clients.. and the conversations that would come out of it.. were not so soul satisfying..

It felt like something was “off”

I had also just joined a high level mastermind and participated in a sales challenge with the group because I thought it was something that was productive at the time.. so I participated in it.. but my heart wasn’t in it. I just didn’t want to miss out. I didn’t want to lose on “breakthroughs”, “life lessons” if I didn’t join in.

Did I ask myself what I really wanted? No.

The result? I had sales conversations that weren’t going anywhere.. I felt like I was putting all this energy out and there was nothing coming out of it.. I was tired.

I was even making prospecting calls when I had mild contractions : ) My baby arrived the following night at 10:30pm on a full moon and lunar eclipse.

But because I wasn’t aware of what my real needs were or what I really wanted..

I thought I’d ask The Universe for Money.
I thought that would solve everything.

Yet that wasn’t what I really wanted.. And The Great Momma.. The Universe in all Her wisdom totally knew that : )  So of course she wouldn’t let me have it.. I wasn’t meant to sign on new clients. So what did I get? Lots of No’s. Or, “it’s not the right time”.. or some people who just didn’t see how I could help them. Frankly they weren’t a fit for me. My life at the time was just reflecting back to me the size of my faith.. the total lack of trust that I would be supported no matter what.

So all this energy Out. Very little in.

My recurrent theme in my sessions with my mentor was: “I am tired”. She pointed out to me that I was saying that an awful lot. And then her tone changed slightly and she asked me “What is it you Really want Nadhira?”

The tears started to roll down my cheeks. Probably because it was the first time I had connected back in with my Truth again and all this emotion was just energy in motion – energy needing to move through my system:  I said after a few seconds of silence:

 “I just want to have a break”

My coach said: “Then maybe you should ask for that. Allow yourself to gift yourself what you need.”

Hmm.. so much wisdom in that. It hit me like a ton of bricks! I felt sadness as I realised how much I must have be withholding from myself. Like how many other desires I had kept myself from experiencing. In this instance, a basic human need to rest after a period of exertion.  I hadn’t viewed childbirth as “work” or how much mental, emotional and physical endurance was required through that period.

When I got clear that what I really wanted was a break, my whole body just relaxed. I could stop focusing on doing income generating activities for that moment and shift my focus to what it is I really needed.

The cool thing is.. when you really listen and you gift yourself what you need.. after you have your break and really enjoy it.. guess what? You’re thrilled to be back : ) You have fresh energy and new insights and a ton of beautiful, loving energy to share!

1. Begin with voicing what it is you really want in the moment. Is it peace? Is it excitement and aliveness? Perhaps it’s “I would like to have a really good sleep” : ) Then allow yourself to have it. Take that nap! Go move your body if it’s feeling a bit sluggish or tight.

2. Journal and answer the question “How can I gift myself…………? (what you wrote in 1.)

3. Be open to what your intuition guides you with.

Now I’d like to hear from you in the comments.

Where have you been asking for Money or clients perhaps when what you really wanted and needed was something completely different?

This past holiday season I took the month of December and January off. I had One beautiful VIP day in December with gorgeous twin sisters and then just being there for my private client whilst she went through a website overhaul felt so nice and nurturing : )

I want to celebrate my Back to Work week by gifting you the opportunity to join me live for a free training I am doing on:

How to Network to find your ideal clients in the room every time. I am super excited to be teaching you the behind the scenes of how I network to find my clients in every room and I want to share my secrets with you

Will you join me? Mark your calendar for Thursday 12th February at 7pm  Melbourne Australia

Click Here to Register for the FREE Training!



If you were in a relationship with Money – would it stay or would it go?

September 14th, 2014 | no comments

I remember saying to myself “I want to get really good with money so I never have to worry about it again”. Yet I know we create it because sometimes the drama of it is the only thing that will get us to “conscious” about our  money and actually look at what’s really going on with it and even pay attention in the first place.

With that in mind, my dear friend Tamra Mercieca invited me to have a chat about Money and our relationship to it. In this 30 minute audio interview we look at how you can connect better with money so it’s something that you invite into your life as opposed to pushing away from your life. We shared many nuggets of wisdom that if you allow to sink into your consciousness , it will be a great start.

Here’s the link to the interview where Tamra and I talk about how you can get some money love in your life

Tamra-Mercieca-Getting-Naked Tamra Mercieca is a Relationship Therapist, Author and founder of Getting Naked Pty Ltd  where she teaches people how to strip off the layers stopping them having the self-love needed to create a life they absolutely adore. If you’d like to learn how to clear the mental gunk keeping you from having a nurturing relationship with YOU, then have a listen to her 45-minute audio explaining how:

If you’d like to receive more updates from Nadhira , sign up for updates at

Could you be playing it safe?

October 8th, 2012 | no comments

If you’ve ever caught yourself thinking you need to play it safe , this video is for you:

Maybe you’ve been thinking about taking the leap and going for that new opportunity in your business and that little voice says “It’s not the responsible thing to do right now”. You’ll have a version of this thought process playing in your head – most times , it’s not even your thoughts, it’s the voices of well meaning people in your life – you may have heard your parents, teachers and caretakers drill this into you whilst growing up – , “Cut your coat according to your cloth”, “Don’t put all your eggs in one basket” , “Do the right thing, the responsible thing”.

I know that in growing my business, I didn’t do the responsible thing and leave my job when my business was at a certain point. I had to quit my job even when I had no ‘visible’ signs of the income coming – because I realised it (my job) was holding me back. It was too comfortable to have my job and grow my business at the same time. Was it the responsible thing to do; was it safe? It may not look like it.

Yet, it was exactly what I needed to do to bring in what seemed like a miracle. The instant I made that decision everything shifted.

If you’re really listening to the desires of your heart, then there is no risk, especially when every cell in your body knows it’s right for you. The greater risk is that you go through life never quite living the life you were meant to live.

Here are two questions for you to answer:

What would you create in your life if you didn’t have to play it safe?
What risks would you take if you knew that the desires you have and visions that you have came from your heart, from God/Spirit?
The Universe wants you to have those desires come to pass.

“The thinking stuff is friendly to you and is more anxious to give you what you want than you are to get it.” – Wallace Wattles

Watch the video and share your comments with me.

Much love,



I really want to “do this programme”, “attend this event” but I don’t have the money

March 7th, 2012 | 8 comments

Is this you? Have you heard yourself say this?  ” I really want to do this, I feel like this is the right programme  for me, BUT I don’t have the money.”

I’ve been meaning to connect with you all to share what’s been going on behind the scenes here at Comfy Sales and I felt that this topic was waiting to come out!

It’s already been a month since I attend David Neagle’s event – the Be Free – Live Experience in Salt Lake City – Utah. Being at the event was life changing and I wanted to share with you what my process has been in evaluating whether or not an opportunity is right for me.

David Neagle and Nadhira - Millions Within - Book Signing - Salt Lake City


When the opportunity came up to attend this event back in October 2011, my whole gut was going “YES!!” – you need to be there. In my own template, my gut is my biggest authority no matter what anyone else says or thinks. If my gut says it’s right, then I trust it because that’s how I make decisions.  Externally though, circumstances weren’t ideal for me to book my ticket to this event as I had just invested quite heavily in my own development and already had a credit card that I needed to pay off. At the time I didn’t have the funds for my flight Or my accommodation but I booked my place Anyway.

I trusted that I was meant to be there for a reason..and had faith that I would have all the resources at my disposal when I needed it.  January arrived and I booked my flights on a second credit card, found an amazing room mate through facebook  and I was on my way all the way from Australia on a 20+ hour journey.

Being at this event changed my life! When I made the decision to be at the event, I didn’t have a crystal clear logical explanation of what this experience would do for me.. All I knew is that in my heart and in my gut.. I just knew I had to be here. It felt Right.

Snow capped mountains at sunrise - view from my hotel room in Salt Lake City


Sometimes the journey to where you want to go can seem like climbing a really steep summit. You know that you want to get to the top, but right now, you’re at ground level and you can’t imagine How you’re going to get there. When you ask for what you want, whether that be in prayer or just expressing that desire to yourself – God/The Universe/Source hears you.  The way the Universe works though is something that I have come to learn very well. It doesn’t just Give it to you! The Universe will put in front of you an opportunity , an opportunity that requires you to grow – to climb a  step or two outside of your comfort zone in order to embrace the opportunity. 

It may well be that the opportunity comes in the form of a programme offered by a coach or mentor, an event that requires you to take time off work, spend on flights and accommodation. Yet this is the very next thing you require in order to take the step in the direction you want to go so that you can have what you really want.

So next time  you catch yourself going “Oh I can’t afford it” or “That’s too expensive” or “I dont have the money for that right now” – I invite you to think again.. is it really the money? Or is it a willingness to do what you have to do to find the money? Because the money is there – it’s always there – if you have a desire – the money is there. It’s a  Universal Law – The Law of Polarity that implies that for every problem there is a solution, for every desire you have inside of you, there is a way to make it happen.

So remember, if you need to do something and it feels right – the money is there.  You cannot simultaneously have the desire for something without the way to make it happen to be there also – it’s the law. I am opening up discovery sessions again for the month of March – if there’s a summit that you’re desiring to climb this year or a desire in your heart that needs to be witnessed – then I invite you to go to and book a session with me. Allow me to be your guide to get you in the right direction.  xx