5 Common Beliefs About Money And How To Overcome Them

Money Mindset and Relationships

July 6, 2020

What you believe about money can determine if you have it or not.

When you think you don’t have enough money, or you’ll never get yourself out of debt, your subconscious becomes focused on finding instances where this is true. If you’re not careful, these thoughts become self-fulfilling prophecies. 

The easiest way to quickly stop these negative thoughts from manifesting, and to begin to live a more financially sound life, is to have a positive affirmation you can pull up when these thoughts appear.

By quickly stopping and refocusing your thoughts to something positive helps strengthen the neural pathways of your brain. By doing this, you’re sending a message to your brain to be open to new opportunities and find ways to validate your new belief. 

Here’s a list of the 5 most common thoughts that limit money making and what to do to change these beliefs:


 I’ll never be financially successful.

Resigning yourself to your current financial status will certainly limit you. Believing you’ll never be financially successful is like forgetting to put gas in your car and wondering why it won’t go. Not only will you not move forward, but you will miss out on money making opportunities.

Making a commitment to yourself that you have the power to change your financial future is the first step. Then decide exactly what you want. If you want a job that pays you $150,000 a year and allows you to travel, then that’s what you think about. The more you think this, the more your subconscious will be on the lookout for this type of opportunity. Be receptive to not just jobs but paths, such as education, that may open up a path to your dream life.

Mantra: I give myself permission to prosper and grow.


 I don’t have any money, let alone enough to be able to save it.

This taps into a scarcity mindset where you think that money is a limited resource, instead of an abundant mindset. Your brain will always find a way to justify this “lack” mentality.

There may have been a time when you had to live paycheck to paycheck, but many of us have developed a habit of spending what we make. As our salary goes up, so do our spending habits. Buying a more expensive car, moving to a more expensive neighborhood, sending our kids to a private school are good examples of this. 

You may not want to change any of the things listed above, but even making small changes can help free up some extra cash. Take time and evaluate what you spend your money on. Then prioritize by rating those expenses from 1-5 in terms of importance to you. Ask yourself what expenses on that list you’re willing to do without or find more cost effective alternatives. For example, going out to lunch gets you out of the office, but so does bringing a bag lunch and going out for a walk afterwards. 

Making this small change still gets you out of the office and doesn’t cost anything extra.

Mantra: I have a positive relationship with money and know how to spend it wisely.

I’m so in debt, I’m just not good with money.

You may have credit card debt and feel like you’re on a downward spiral, but that doesn’t mean that you can’t change your future. The problem here is it assumes that you can’t learn new things. Take time to evaluate and educate yourself with all things money. Make it into a game. Set short term reasonable goals that you know you can achieve. This will create positive momentum in getting you headed in the right direction. And remember, the more wins you experience, the easier it will be to set bigger goals.

Mantra: I can look at my finances without fear.


Money is the root of all evil.

Money isn’t bad or evil, it’s neutral. It’s a resource that was created as a medium that represents the value of traded goods or service. People who have money aren’t bad, but instead they have provided a lot of value to others through their goods or services. 

Take a moment and acknowledge the value you’re providing.

Mantra: “I deserve to be paid for my skills, time and knowledge.”

You think: The only way I will have more money is to work more.

This is a common belief, but in truth if all you do in life is work harder you’re never going to get wealthy. Instead, look at ways of working smarter. Be open to new opportunities, whether it’s through your business, job, investments, or education. 

Mantra: I release all resistance to attracting money. I am worthy of a positive cashflow.


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Heather Marié



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