Everything we do in life comes down to experiencing or avoiding a feeling. When we believe in something, our thoughts and feelings are created based around that belief. The first step to setting a positive financial mindset is to have supportive beliefs around the topic of money.
Our financial behaviours and actions determine our financial results.
This is a simple, basic equation for life and can be applied to any aspect of your life, especially in situations where you aren’t getting your desired results. It will be because of your thoughts.
Our actions can really reinforce our beliefs and as human beings, we love to be right, don’t we? For example, if your belief is that you are not good with money then you’re already losing the battle without even trying.
Let’s throw in a very simple and common analogy - when we’re born, can we walk straight away? Of course not! We must take smaller steps first, fall, learn from that fall and get back up to try again. We have all had to learn the skills that we have today in order to succeed - money is no different.
If our mindset is ‘we’re not good with money’ then we’re automatically setting ourselves up for failure. Since our mind is thinking negatively about money, we avoid taking any further financial steps simply because we feel that we can’t. Our confidence is already broken and we’ll never try to do anything about changing that belief in the future.
Here are 7 limiting money beliefs that I hear constantly:
Do any of these limiting money beliefs resonate with you? If they do, these beliefs are most likely holding you back from experiencing the life and financial situation you desire. Some of the things we tell ourselves are just ridiculous.
As a Money coach, my job is to uncover and identify a client’s limiting money beliefs. We explore how they came to be (it’s always based on something they experienced during childhood and often completely outside their conscious awareness) and then discuss whether this belief is actually a helpful one to live with. Is the belief resourceful or is it sabotaging their financial goals?
I then use a proven step-by-step process to shift these beliefs and implement practical strategies so women can make positive changes both internally and externally. The combination of mindset and action are a powerful formula for making positive changes in our finances.
Having money allows you to show up and be who you really are. If you’re not stressed, have clarity and confidence about your finances and have the financial resources to do whatever it is you want to do, it allows you to focus on what’s really important to you.
Examining and reprogramming your financial thoughts and beliefs can truly open up a wide array of opportunities to you that you never thought possible.
Warmest,
Many of our most important money habits aren’t learned in school—they’re shaped at home, often through the quiet influence of parents, especially mothers. Through everyday conversations, behaviours, and life experiences, children develop their understanding of money early on, including how to spend, save, and make financial decisions. This article highlights essential lessons such as spending less than you earn, saving consistently, understanding needs versus wants, and making calm, thoughtful decisions. More importantly, it emphasizes that money is a tool—not a measure of self-worth—and that teaching these habits isn’t about perfection, but about consistency, awareness, and leading by example to build confidence, responsibility, and long-term financial independence.
Read MoreThe price of daily living has gone up — we’re all feeling financially fatigued: groceries, fuel, insurance, energy… it all adds up. So, let’s explore some simple, practical ways to make your money go further.
Read MoreIn this article, I explain why traditional budgeting often fails and how to create a financial system that actually works for you. I focus on building a simple, supportive structure that fits your lifestyle, helps you stay consistent, and makes managing money feel less overwhelming, so you can feel more calm and in control.
Read More
