Welcome To Financial Consciousness©

A term coined by Varsha Parbhoo CA CIA ACIS; Founder & CEO   Finance360

My Perspective; inspired by Einstein & my Spiritual Masters: 




E=MC2 =   Einstein: anything having mass has an equivalent amount of energy and vice   versa.


Energy is in  ALL matter.


We are  matter; all elements comprise of matter.


Currency of   Money = Energy Exchange


Money =   Matter = Energy






Financial   Consciousness = Mind Matters. Your state of Mind affects your Choices. 

Choice have   Consequences. Choices have Cause & Effects


Mind =   Thoughts - Decisions - Choices - Cause & Effect


Your mind   matters; it’s your most powerful weapon, unique to YOU. Harness its full   potential.


You have the   power and ability to make mindful, conscious and responsible decisions.


These   decisions/choices and the actions you take have consequences.


Every decision/choice   has a Cause & Effect - for you, other, the entire ecosystem.


So, our   intention, attention, focus, motivation matters; especially when it is about   money.


Money are   bound by and must operate within the laws of nature.


Money   requires intangible factors and elements: a conscience and consciousness.



Financial Consciousness, Financial Fitness & Yoga©

Financial Consciousness, Financial Fitness & Yoga© is integrating and uniting yourself, your personality, your purpose, your passion, and your principles to the rest of the organisation to achieve real value, success and sustainability for every stakeholder, as well as the planet. It is a complete, collaborative, celebration of collective and compassionate inclusiveness of every stakeholder, an awareness and understanding of the intention and motivation in your decision-making process, especially FINANCIAL DECISIONS. 


Financial Consciousness is the awareness & ability to connect, collaborate, co-operate, co-exist with yourself, and each and every stakeholder in your ecosystem and feel a sense of belong to everyone and everything of the planet. A sense of collective inclusiveness of all stakeholders for overall mental, emotional, financial health and well-being. 

Financial Consciousnesses is mindfulness in every action and financial transaction - an awareness and appreciation that - money matters and has energy and therefore must operate within the laws of nature.  


Thinking, acting, behaving and doing business for sustainable and responsible EBIDTA = Earnings with Balance + Integrity + Discipline + Transparency + Accountability©. 

Financial Consciousnesses is making sense/cent$ of every interaction, every experience, every relationship, every transaction. 

Finance360's Formula of Financial Consciousness = 

1. 25% Intellectual Intelligence +

2. 25% Emotional Intelligence +

3. 25% Ethical Intelligence +

4. 25% Spiritual Intelligence (whats in your spirit i.e. your inspiration= in-spirit-ation). 

Everything has matter. And everything matters. Matter is energy.


Money is means. And money means something. Money is Magnetic. 

It can elicit the deepest of emotions. It brings out our hearts most secret inclinations into the light.


You need to therefore understand where you are putting your time, efforts and energy and why you are doing this, in order to get the results you desire. For cash flow; for success, for overall balance and well being in every area of your life.

Money is a transaction, and exchange of energy, a relationship, with a cause and effect; and as such must operate within the laws of nature: 

Truth. Integrity. Compassion. Joy. Inclusiveness. Harmony. Balance. 


Not everything is black and white or can be controlled; there are so many variable in every single exchange. 

Not everything can be controlled; there are so many variables in life, in relationships, in every transaction. 

The only constant is that everything must operate within the laws of nature.


-When you sell a product/service is has a cause and effect - for the seller and buyer and his ecosystem

· When you buy a product/service it has cause and effect - from the source all the way to the supply chain, to the consumer and beyond

· When you use a product/service is has a cause and effect - for you and those around you

· When you borrow money is has a cause and effect - for the borrower and lender - what is the source of these funds?

- When you lend money is has a cause and effect - for the borrower and lender - how is this money spent?

-When you use other people funds; public funds, taxpayers funds, it has a cause and effect

-When you capture a financial transaction is has a cause and effect - for everyone involved in the process - is it done accurately?

- When you produce a set a financial statements it has a cause and effect - for not only shareholders but every stakeholder - is it relevant and reliable?

- When you invest in anything is has a cause and effect - what are you investing in and why?

· When you get into a relationship with someone there is give and take account which goes beyond money - and this has a cause and effect, especially if the relationship ends.

· When you have children - there is a cause and effect - do you understand what is involved in having a child on every level, not only financially? What your family values and relationship is around finances? Money is a matter of nature and nurture and your children learn from you about money; their future relationship with their finances is linked to what they see, hear, feel and sense.

Financial Consciousness, Financial Fitness & Yoga©

 I was so fortunate to learn about money energy, money values and practices, principles from my Dad. My Dad was born in South Africa, his parents were migrants from India who came over with a suitcase and dreams for a better future. My Dad was a serial entrepreneur, self-made businessman, with no education, who had nothing but everything i.e. universal values in his DNA: character, courage, compassion, conviction, confidence, a great attitude, determination, a passion for people and well-being of planet.  

From a business standpoint he provided a unique customer service experience like no other business I have seen, he truly WOWed his customers; treated his staff like family, and he empowered others to start their own businesses - not just by mentoring and coaching, but with financial support to start their own businesses and helped their children with their study costs. He enabled, educated and empowered others: "give a man a fish and you feed him for a day; teach a man to fish and you feed him for a lifetime". 

 This was so natural to him. He never felt threatened by competition, for he truly believed in, and was enthusiastic about the success of others as well as his own. For him business and money was a like a game. He came from nothing; and will go into nothing when he left the stage of life, and so he lived his life fully, had faith in himself and the Universe, went through ups and downs with grace, not judging any experience, was crazy about his family, and about the journey of life; not focusing only on end results, but how you got there. What impact you made! 

My  Dad used his studies as a monk, his amazing personality and creative talents and skills to build an empire. He lived the monk mindset whilst still being a human being; living life to the fullest; but always balances his materiality with his spirituality - i.e knowing his sense of higher purpose, love for family, giving back to others, love for Mother Nature, curiosity about people and life. 

All our lives we were surrounded by monks; who often stayed at our home. Their way of life and has always stayed with me, intrigued and fascinated me; and to date I practice yoga, meditation and breathing exercises to help me be more mindful; live with a sense of purpose and balance.

Watching my Dad being cremated (woman are not allowed in this ceremony, its performed and attended by men only,  my only brother carried out the final rites. I insisted on being with him until the end, and our family priest understood our journey, so he allowed it; and my 3 sisters also joined me; this highly emotional last rites, reminded me of his teachings: 

You come into the world with nothing; and you will leave with nothing, all that matters are the experiences in between these two precious moments. Do not judge these experiences., or judge yourself, or others, learn, and move forward in love. Play your role on the stage of life well, make a difference, serve others, and then when it is your time to exit the stage of life, do so with grace,

As I reflect on my life, I realise that I have always lived by my Dad's philosophy and it is in my DNA. I also learnt from my fantastic mentors and all my amazing and very senior Audit & Finance roles in Europe and SA + running my own highly successful businesses in USA and in South Africa + and my formed my own life, business and finance philosophy = they are all the same; married together; after all, I need to be me no matter where I am and what I do.  


I combined all of my personal and professional experiences, education, expertise and used my philosophy very courageously in my own businesses, and in every company I was part of over the last 30 years. I ensured that:

· I accounted for, audited and balanced not just the books but people-profit-planet; 

· Challenged the status quo by looking at the culture and governance and what needs to be done to realise the vision, strategy and objectives of the organisation;

· Went above and beyond the call of duty to invest in human capital: putting people first always; hiring for attitude;

· Ensured the best customer service experience from every department I managed and the overall business, especially the finance function; 

· I thought, acted and behaved like an owner;

These factors led to an improvement in overall culture, productivity, efficiencies, with resulting in revenue, cost savings, greater customer satisfaction, and thus profitability and overal cash flow =  its my simple yet profound formula for success and sustainability. 

  •  My Finance & Life Philosophy has helped me find calm in the chaos, challenges, curve-balls in any and every business I worked for or owned over the last 30+ years; i.e. balance not just the books; but put back the human back in business. 

This is something you cannot put a price on. And this phenomenon is gaining momentum all over the planet. 

Irrespective of background, profession; race, religion, culture, caste, creed, colour,customs and gender; authentic, inspirational leaders around the planet, from all walks of life - humanitarian, entrepreneurs, comedians, actors, doctors, politicians, scientists - it doesn't matter who they are and focusing on human consciousness.


I was inspired by superheroes of humanity who are changing and transforming the world to raise levels of consciousness in everything they do in their own unique way. 

They are focusing on the 2 most important issues of our human experience and existence: 

  • MENTAL HEALTH  & the

Nothing is more sacred.

Financial Consciousness - Inspiration & Philosophy

Have a look at the list below of some of inspirational human beings just being human; and their journey. Despite all their trials and tribulations; they continue to triumph. 

The continue inspire and change and transform the world; our minds. 

They continue to impact and influence on not just from a business perspective but on raising the overall consciousness the planet:


· His Holiness Sri Sri Ravi Shankar (The Art of Living)

· Sadhguru 

· Louise Hay

· His Holiness The Dalai Lama

· Archbishop Desmund Tutu

· President Nelson Mandela

· Albert Einstein

· Thuli Mandosela

· Oprah Winfrey

· Ellen

· Deepak Chopra

· Priyanka Chopra

· Babra Streisand

· Jennifer Lopez

· Tyler Perry

· Trevoh Noah

· Kevin Hart

· Charlize Theron

· Jack Ma

· Indira Nooyi

· Bernard Arnault

· Richard Branson

· Margaret Hirsch

· Jay Shetty

· Robin Sharma

· Michelle and Barack Obama 

· Duke & Duchess of  Sussex - Harry & Meghan

The purpose and passion of these absolutely awesome authentic human beings, whose voices have made my heart smile, whose messages have resonated with my soul, and whose visionary work is simply out of bounds , demonstrate to us by their words and actions - HOW TO BE HUMAN. 

 Consciousness = a union of your individual unique identity to inclusiveness to communities-countries-continents-planet-cosmos. Experiencing the entire cosmos within you; and experiences what is not part of you, as yourself.  


AND what you will notice which makes cent$ is that every single person has Authentic Power = Mind Power = Money Power. Their vision is border-less; bound-less and goes beyond boundaries of any kind.

Financial Consciousness, is inspired by my life journey and by my circle of visionaries, it is grounded in over 1000 of years of practices of Ayurveda and Yoga, philosophy, psychology, physiology, psychics and it is simply: 

CHANGE & TRANSFORM your MINDSET, WORK WITHIN THE LAWS OF NATURE, and see what happens to YOUR UNIVERSE, including your FINANCIAL UNIVERSE, and the Collective Consciousness of the PLANET and the COSMOS.