Do you ever feel stressed when you think about money? Do you wish you could have more financial freedom but aren’t sure how to make it happen?
If so, you’re not alone! Many women in midlife feel stuck when it comes to money. But the good news? You can change the way you think about money, and it will help you reach your goals! I’m here to help you break free from the thoughts that are holding you back and step into a future where you feel confident and in control of your finances. Let’s dive in!
What Is a Money Mindset?
Your money mindset is simply the way you think and feel about money. It includes your beliefs, habits, and attitudes toward earning, spending, and saving. If you have a healthy money mindset, you feel confident managing your money, setting goals, and making smart financial choices. If your mindset is negative, money might feel like a constant struggle, and you may believe you’ll never have enough. Changing our money beliefs can completely transform our financial landscape.
Signs You Have a Negative Money Mindset
How do you know if your thoughts about money are holding you back? Here are some common signs:
- You always feel like you never have enough money.
- You avoid checking your bank account because it makes you anxious.
- Paying bills feels overwhelming.
- You believe money is hard to make.
- You feel guilty when you spend money on yourself.
- You compare your financial situation to others and feel bad about it.
- You think only “lucky” or “rich” people can have financial success.
If any of these sound like you, don’t worry! You can change your money mindset with a few simple steps.
Why a Healthy Money Mindset Matters
Changing the way you think about money isn’t just about feeling better, it’s about taking charge of your financial future! A positive money mindset helps you:
- Feel in control of your finances
- Make better decisions about earning and spending
- Build wealth over time
- Enjoy your money without guilt
- Stop stressing about every penny
With the right mindset, money becomes a tool to help you create the life you want rather than something that causes stress and frustration.
How to Build a Positive Money Mindset
- Take Control of Your Finances
If thinking about money makes you anxious, avoiding it won’t help. Start small:
- Log into your bank account and just look at the numbers.
- Write down how much you earn and how much you spend.
- Set a simple money goal, like saving £20 this month.
The more you face your finances head-on, the less scary they’ll feel.
- Set Money Goals That Excite You
Money goals don’t have to feel like a burden! Instead of saying, “I need to pay off all my debt,” try:
- “I’ll put an extra £10 towards my credit card this month.”
- “I’ll save £5 a week for a fun trip.”
Small wins add up, and celebrating them keeps you motivated!
- Say Positive Money Affirmations
Words are powerful! Try saying these out loud every day:
- “I am capable of making and managing money.”
- “Money flows to me easily and freely.”
- “I deserve financial success.”
At first, it may feel silly, but over time, these statements help shift your mindset.
- Be Grateful for the Money You Have
Instead of focusing on what you don’t have, start noticing what money does for you:
- It provides food, shelter, and safety.
- It allows you to enjoy little treats like a coffee or a night out.
- It gives you the ability to give to others.
When you feel grateful for your money, you attract more of it!
- Learn About Money in a Fun Way
If you feel lost when it comes to finances, learning more can help! Try:
- Listening to a money podcast while walking or cooking.
- Watching a short video on budgeting.
- Reading a book about women and money.
The more you know, the more confident you’ll feel about handling your finances.
- Allow Yourself to Make Mistakes
Nobody is perfect with money! If you make a mistake, learn from it and move on.
Instead of saying, “I’m so bad with money,” try, “That was a learning experience, and I’ll do better next time.”
- Find a Money Mentor
Look for someone who inspires you when it comes to finances. It could be a financial coach, a friend who’s good with money, or even an author or speaker who shares advice that resonates with you.
Which Money Mindset Tip Should You Start With?
If this feels overwhelming, don’t worry—you don’t have to do everything at once! Start with one or two small steps and build from there.
Pick the tip that excites you most or the one that feels easiest to begin with. Every little step you take helps move you toward a healthier, happier financial future!
And remember that you deserve financial success. You deserve to feel good about money. And you deserve a life that makes you happy!
If you’re ready to take control of your finances and create a plan for your future, I’d love to help. Let’s chat and make a game plan together. You’ve got this!