5 Essential Wealth-Minded Steps to a Positive Money Mindset

Positive Money Mindset

Being the month of December, there’s a lot of talk about money (or lack thereof). Whether it’s not having enough money for Christmas gifts or being able to donate your money to those in need – there’s a lot going on regarding money, which is why I thought it would be a great time to talk about our own money mindsets. Let’s make sure we aren’t stressed about the holiday finances by making sure we have a positive money mindset. I’ve got 5 essential wealth-minded steps for you to have a positive money mindset.

Step 1: Figure out your current limiting beliefs about money.

In order to get a positive money mindset, we need to take a current inventory of our limiting money beliefs. We can’t make progress unless we determine where we are, so let’s determine what your current money associations are.

Think about different times you spend money and how you feel when you are spending the money. Do you pay your bills grudgingly? Do you feel like your insurance is ripping you off?

Think about what your parents taught you about money? Were they big savers? Did they tell you they couldn’t afford things? That money is tight this month? Or were they big spenders, but fought over what they should be spending money on?

Think about how you act when spending money around your friends. Do you go shopping and buy the most expensive things, but then regret it later? Do you feel pressure to buy things because your friends are, but then worry about how you’ll actually pay off the credit card later?

After thinking about all these different situations, I want you to write down 10 limiting beliefs you currently have about money. Here’s some examples:

  • I never have enough money.
  • I don’t know how to save my money.
  • My friends have a lot of influence on how I spend my money.

After you have your list of 10 beliefs, go to step 2.


Step 2: Change your negative money beliefs to positive money beliefs.

Changing your negative, limiting money beliefs to positive money beliefs is critical. If you keep a negative association with money you won’t be able to create the wealth you desire.Our negative money beliefs hold us back from creating our desired abundance – whatever that may look like for you.

Read over your original beliefs and on a new piece of paper, rewrite the limiting belief to a positive money belief. When you’re rewriting your beliefs, make sure they are still believable to you, but make sure they are stretching you a bit. We want to progress not depress you by writing things that seem non-achievable.

Here’s some examples:

  • I never have enough money. → I have more than enough money to support myself.
  • I don’t know how to save my money. → I have the best savings plan in place for me.
  • My finances are out of control and influenced by others. → I control my money, my money does not control me.

Now that you have your 10 new beliefs, it’s time to move to step 3.

Step 3: Let go of your old limiting money beliefs.

Now that you’ve rewritten all of your limiting money beliefs, I want you to go through all of your old money beliefs and let them go.

If you need to forgive yourself or others, do it. Accept others were doing the best they could with the knowledge they had. Take a minute and go through them all, forgiving as you go and releasing them. Telling yourself that is an old money belief I had and no longer have. I have new, better, positive money beliefs.

If those old, limiting money beliefs try to creep in, instantly replace it with your new money belief – those old beliefs are the old you and you are the new you now! Let’s go to step 4!

Step 4: Instill your new positive money beliefs.

Now that you have a list of your new money beliefs, I want you to instill them in your mind. I want you to read them everyday and really feel into it, really ‘believe’ your beliefs.

I don’t want you just glance over the piece of paper, but really read them with feeling, with emotion so they start to truly become your true new beliefs. These beliefs are who you are now.

Ever heard of the law of attraction? Whatever we are thinking is what we are attracting. So attract your new money beliefs.

Schedule a time each day to read your new money beliefs. I like to do it in the morning right after I pray so I’m ready to go for the day. Just a pick a time that works best for you.

Just last week, the furnace in one of rentals stopped working. I called my handyman to fix it, which he did. When he told me how much it would cost me, I was a little overwhelmed and thought I don’t want to spend money on that. But then within the same minute, I thought of one of my beliefs about when I spend my money it blesses others. I thought of how my handyman is paying off his debt to be able to purchase a home. I immediately felt better about paying him. Our beliefs are part of who we are and we act accordingly.

As you start to do this, you’ll notice a difference in your thoughts and actions, which brings us to step 5.

Step 5: Act as if those beliefs are truly who we are.

Now that we have let go of our limiting money beliefs, created new ones and will be instilling them in our minds everyday, we need to act as though those beliefs are truly who we are.

Start acting as if those beliefs are already who we are. Just like my example with my handyman. I didn’t want to pay my handyman that much, but I thought back to my beliefs – that I am actually helping him – the money I spend goes to a good cause. Because that’s who I am – I am a person who spends her money on things that help other people.

Continue to go through your beliefs and make sure your actions are aligning with your new positive money beliefs.

If you have more than enough money to support yourself, then you aren’t stressing about paying your bills. You’re taking the initiative to figure out how you’re paying your bills or figuring out how to reduce your bills, maybe you don’t really need cable or Netflix.

Think about what changes you need to be making in your life so these beliefs are really who you are.

I want you to pick just one thing that has come to your mind while reading this and take action on it to help reflect what your money beliefs are. I’m sure there’s something that has popped into your head as you’ve been reading, so what are you going to do about it? Call up Netflix right now and cancel your subscription. Let’s take the action today.

Tell me in the comments below what you’ve decided to change. And if you feel like sharing some of your new money beliefs, I’d love to hear those as well! Here’s to creating our wealth-minded positive money beliefs!

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