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Do you find yourself always wishing you had more money? Are you constantly telling your friends how broke you are? Are you constantly worried about how much money is in your bank account?

I used to be the same way. I’d take out another credit card and then whine to my BFF about how poor I was because ALL my money was going toward paying off credit cards. I was just in my early twenties, but I was an idiot. 

I was left with a big financial mess to clean up between those credit cards, unsecured loans, and my student loan debt. I felt like I was doomed to be in debt forever. 

And then everything changed.

It wasn’t until I was introduced to thinking another way about money by my life coach that I ever realized I could actually get out of debt and that I could actually make a TON of money. (Don’t be thrown off by the life coach… she’s the bomb and I promise I never get too woo-woo around here.) 

Are you tired of feeling doomed, depressed and negative like I was? Let’s get into how you can change everything you’ve ever thought or thought you knew about money.

Step 1: Ask yourself about your current beliefs.

If you want to change your thoughts about money, you have to start at the very beginning. Changing your thoughts about money is a lot of work, so roll your sleeves up because we are diving in!

What do you believe is possible right now? Do you believe you can get out of debt? Or do you think you can’t? Really think about it for a moment. Your brain is going to find evidence of whichever option you believe in. That is just how the brain works. That’s why someone’s political post on Facebook doesn’t just change your mind to whatever their opinion of something is. That’s why when you believe someone meant to hurt your feelings, your brain will find evidence from the past to back that up.

Step one is all about identifying what you believe about money.

Step 2. Ask yourself what were you taught about money.

Were you raised to believe money was tight or were you raised to believe money was endless? This makes a difference in how you view money in your life today. 

My parents always experienced having a tight budget. My mother was a stay-at-home mom for a long time and that is the experience they chose. I thought of money as hard to obtain because of this. 

What you were told about money makes a difference because it set the bar for what you now measure everything by. When you realize what you think about it, then you can begin to change your thoughts on money.

Step 3: Ask yourself what you want to believe?

I didn’t even know it was possible to decide how you want to feel about money until a few years ago. When I became aware of that, it changed everything for me.

You need to decide how you want to feel about money. Do you want to quit worrying about money? Do you want to feel money is easy to make? (This is what I’m working on right now!) Do you believe you can make a lot of money? Do you believe you can have a lot of money?

Answer all these questions and now the real work begins!

Step 4: Start paying attention to how you treat yourself.

Do you beat yourself up for buying yourself a new nail polish or do you spend with reckless abandon? When you start to observe your own behavior it brings awareness to what you want to change about your money thoughts. 

Next time you make a purchase for yourself, write down how you feel. Next time you pay a bill, write down how you feel. Next time you make a purchase for someone else, write down how you feel.

Step 5: Unpack how you feel/felt after each money spend.


  • I made a donation to a local dog rescue and it felt great to know I’m helping homeless pets.
  • I had to pay my credit card bill and it sucked. I was annoyed.
  • I purchased a gift for my husband’s birthday and he is going to love it. It feels great to buy him something I know he will love.

Notice how negative the example thought of paying her credit card bill is? Does that thought really serve our example lady? Not at all. It only fosters more negative thoughts and feelings and makes her want to avoid doing that action again when she really needs to pay off the credit card. It makes her feel guilty and bad for running up a credit card in the first place.

Step 6: Reframe negative money thoughts.

Get out a piece of paper right now and write down a recent ‘bad’ (negative) money thought. The majority of most negative money thoughts are about being broke or being in debt.

Example: I’m going to be in debt forever and I’ll never pay all this money back.

This thought doesn’t serve you. It makes you feel hopeless and sad. Let’s write down what you want to think instead.

Example: I’m going to be debt free in x amount of months.

When you begin to tell yourself “I’m going to be debt free in X amount of months,” your brain will probably start to freak out. It will probably try to tell you that you can’t do it and you are crazy. It is super important that you do NOT listen to that thought. 

You’ll have to push through those kinds of thoughts. Then something really great happens after you fight with yourself – you start to believe those new thoughts. You may even start looking for ways to make that thought happen. You’ll start to get excited when you go to make an extra payment on your credit card. 

Don’t make the mistake of believing that you will create these new thoughts overnight. This will be a process. It will be something you have to revisit very regularly or your brain will go back to your old thoughts because those are still comfortable. 

Instead of saying “I had to pay my credit card bill and it sucked,” start practicing saying something between your current thought and the thought you want to have. Start thinking something like “I made a payment on my credit card and that put me on the right path to being debt free.” 

You will have times where you go back to thinking that you cannot pay off your debt. Remind yourself that just is not true. You can do absolutely anything. There is nothing that is off the table for you.

Step 7: Reinforce your new positive money thoughts.

You can create a chart or use a printable tracker to reinforce your new money thoughts. Maybe you’ll want to create a new spreadsheet or post a mantra on your mirror as a reminder. Anything you do like this will reinforce your new, good thoughts about money. Having something you can see and a balance drop lower, will help you celebrate being one step closer to financial freedom. It will encourage you to continue on your journey.

There are SO many more ways you can change your thoughts about money. This is only the beginning and I can’t wait to see you succeed!!

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