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What Is a Positive Money Mindset?
Do you know your money mindset can determine whether you live a life of financial ease or one of constant struggle?
It’s true: While budgeting, saving, and investing are essential, the way you think and feel about money is just as important. Your mindset shapes how you earn it, how you keep it, and how you use it to support your dreams.
Let’s take a step back. You’ve probably heard the term money mindset tossed around before. But do you truly understand what it means? Do you know how your thoughts and beliefs about money shape your financial decisions, relationships, and even your future?
If not, no worries. Below, I will break it all down. By the end, you’ll know exactly what a money mindset is, why it matters, and how to cultivate a positive one that supports you in creating a life you love.
What is a Money Mindset?
Money mindset–put simply–refers to your beliefs and attitudes about money.
It’s the internal framework that guides how you think about, earn, save, and spend money. It’s the story you tell yourself about whether money is abundant or scarce, easy to make or hard to hold onto.
Your money mindset influences all areas of your life:
- How you approach bills, loans, and credit cards.
- How confident you feel asking for a raise or negotiating your worth.
- How you view spending on things that matter to you, like self-care, travel, or education.
If you have a healthy money mindset (often called an abundance mindset), you see money as a tool for possibility. You believe you deserve financial security and joy. You’re open to opportunities and willing to invest in yourself or your dreams when needed. You’re also mindful about spending, saving, and giving.
On the flip side, if you have a scarcity mindset, money might feel like a constant source of stress or fear. You may find it hard to save or budget, feel guilt or anxiety about spending, or believe deep down that financial security is out of reach.
Where Does Your Money Mindset Come From?
Here’s the thing: none of us are born with our money mindset. The way we think about money is shaped by early experiences, society, and even the people around us.
For example:
- If you grew up in a home where your mom was always juggling bills or stressing about making ends meet, you might have absorbed those struggles as your own.
- If, on the other hand, you grew up watching a parent confidently manage finances and prioritize savings, you may feel more empowered about money.
Our beliefs about money can also be shaped by cultural or societal messages:
- “Women shouldn’t talk about money.”
- “You’ll never have enough to be truly secure.”
- “Money is the root of all evil.”
These messages can run so deep that they feel like truth. But the good news? Your money mindset is not fixed.
With awareness, intention, and action, you can rewrite your money story and create a mindset that supports your goals, your dreams, and your values.
How to Start Changing Your Money Mindset
Transforming your money mindset doesn’t happen overnight, but every small step you take brings you closer to financial confidence and freedom. Here are a few ways to begin:
1. Learn about finances.
“When you know better, you do better.” Start with the basics: budgeting, saving, investing. Knowledge is power, and financial literacy will empower you to make confident decisions. Read books, listen to podcasts, or follow women financial experts who inspire you.
2. Practice self-awareness.
Pay attention to the thoughts and feelings that bubble up when you deal with money. Do you feel guilt when you treat yourself? Anxiety when you see a bill? Journaling can be a powerful tool here. Write down your thoughts about money for a week to identify patterns and limiting beliefs.
3. Surround yourself with positive influences.
They say you’re the sum of the five people you spend the most time with, so why not make sure those people inspire you? Spend time with financially savvy women who approach money with confidence and grace. Their energy and habits will rub off on you.
4. Rewrite the script.
Replace negative money beliefs with empowering ones.
- Instead of: “I’ll never have enough,” say: “There is always more than enough for me.”
- Instead of: “I’m bad with money,” say: “I’m learning and growing every day.”
5. Visualize your financial goals.
Take time to imagine the life you want. What does financial freedom look and feel like for you? Visualization isn’t just daydreaming–it’s a powerful tool to rewire your mindset and focus your energy.
Why Does This Matter?
Because money isn’t just about numbers in a bank account. It’s about what that money represents for you: security, freedom, opportunity, and the power to live life on your own terms.
When you shift your money mindset, you’re not just changing how you see money–you’re transforming how you see yourself. You’re stepping into your power, rewriting old stories, and building a life where financial ease and joy are your new normal.
Your Turn: Ready to Change Your Money Story?
You don’t have to figure it out alone. Let’s work on this together. New here? Check out more on our website to start your journey to a healthier, more abundant money mindset.
