What are your beliefs about Money? I know you have some, we all do.  Money is evil? Money is dirty. Money is scarce. I never have enough money. I can’t afford that. Money doesn’t grow on trees. Sound familiar?  Yeah we all have a few of them.

Did you know that our beliefs subconsciously drive our behavior? Even though we sometimes don’t consciously think – Money is dirty. We get a feeling toward it and that can drive our behavior to push it away or draw in toward us.

So where do your beliefs come from? Do you actually believe them? Are they actually true?

Were the beliefs yours to begin with or are you following in the footsteps of your parents? Money beliefs can come from anywhere, a past experience, something someone told you, an ad on TV, Facebook, or a Magazine.  And once you’ve picked up this belief your brain will look for evidence in your every day life to prove it to you. Which then in turn, reinforces the belief. Every day your beliefs are driving your actions and affecting every decision you make.

How are your beliefs holding you back?

When I purchased my first home, I had this belief that from the moment of owning your own home, you would have no extra money to do anything. I had heard from a few people in my life that owning a home meant you would have no money to play with. I believed that for the first year of owning my home I would struggle. “The first year is the hardest” I’d been told and I never thought to question that belief. And so as it was, the first year was the hardest. I struggled to make ends meet, my social life was non existent, I never had money to go out for dinner, the movies, dancing and don’t even mention travel. I just kept watching the next bill arrive and the next bill arrive and sadly watching my money go.  I remember thinking, there are so many unexpected expenses to owning your own home. This was supposed to be a life long dream, better than renting they said, why did I even bother?

Before I knew it the first year had rolled by and I was like, “Wow! I survived my first year! Things should get easier now.”

And they did. It was almost instant. All of a sudden I just had more money. More cash in my wallet and more money to play with in my account.  And that’s when I started to question my beliefs.  At no time, during that first year, did I ever ask myself – How can I earn more money? How can I save on my spending?  I was so focused on all the bills and how owning a first home meant I would be struggling – it had become a self fulfilling prophecy.

It was like a cloud was lifted and I started to think outside the box. If I really wanted to, I could find plenty of ways to earn extra money.

At the time, I worked in a commission based  Sales job – all I had to do was  sell more and bring on new business, or I could have even offered to do Haircuts/colours for friends and family (I am a qualified hairdresser) at home for extra cash.

None of that even crossed my mind the year before. Wow, the power of beliefs.

So where are your belief’s about money holding you back? And how do we go about changing them?

Firstly, take a moment to write down what money means to you. Whatever comes to mind first, try not to think too much into it.

Try finishing these three sentences:

Money is…..

Money was….

Money will be….

These should come up with a few of your money beliefs. Then ask yourself – who’s voice is it in my head?

Is it yours? Your mum, dad, friend etc?  Could this possibly be someone else’s belief that you have adopted?


If you think that maybe your money mindset could do with an update, here are a few simple things you can change in your every day life to help change your beliefs:

  1.  Discover the truth.  If you have a belief that money is the root of all evil. Find evidence to the contrary. Find some examples that can prove your mind wrong that money is not the root of all evil. There are plenty of times where someone who has come into a lot of money has done good things with it. Money can bring the ability to help others, to make changes for the better, eat healthier, take care of the ones you love and give back to those in need.
  2. If you are at the shops and find yourself in a position that you cannot afford something you want. Rather than say to yourself, I can’t afford it.  Replace that thought with –  I can’t afford it yet. Just by adding the word yet on the end of the sentence, changes the way the word feels in your body and the mind. It’s hopeful, positive and opens you up to the possibilities to afford it later. Self criticism gets us no where, so indulging in it here is pointless. Money is just money. It doesn’t make us more or less worthy. It doesn’t touch our self worth.  Money is an exchange of energy, nothing more, nothing less.
  3. Open your bills with gratitude. Thank the universe for having the ability to be able to pay for your electricity, that you actually have access to electricity and clean water. As many people in this world would love to be able to complain about having to pay for electricity. I know what you’re thinking here – “Be thankful for my electricity bill going up by $100! Yeah thanks alot!”  But how is the opposite helpful  –  here’s a thought – what’s the purpose of getting angry about it? We get angry about it for maybe 20 minutes, an hour – eventually you still pay it. Finding ways to be more grateful will open us up for more experiences for gratefulness.
  4. Create some new beliefs.   Take a moment and write down some new beliefs that will serve you for the better. And put them where you will see them often – in your purse,  with your credit cards, on your bathroom mirror, on your phone homescreen. Even change the name of your accounts in your online banking to something more positive. Here are a few of mine:  Money is freedom. Money gives me better choices. Money is an exchange of energy. Money gives me the ability to give back.  Money gives me time with family and friends. Money gives me amazing experiences through travel.
  5.  Practice them. Nothing changes, if nothing changes. Each time you notice an old limiting belief about money pop into your head, notice it and then replace it. Our brain works on neural pathways and if you have practiced old money beliefs for years and years, we need to practice the new beliefs until they become free and easy and on autopilot too.


Money doesn’t have to be the source all things bad. Focusing on what you don’t have will only create more of what you don’t want. There are so many great things we have access to that don’t cost a thing – laughter, love, kindness, sunlight, the air we breathe, and so much more. Money doesn’t deserve your negativity, it’s done nothing wrong. Be kind to money and it will be kind to you.


Love Money,