The Financial Confidence Formula: How to Trust Yourself with Money Again

The Financial Confidence Formula: How to Trust Yourself with Money Again

We’ve all had those moments standing at the checkout, second-guessing a purchase, or staring at a bank statement, feeling a wave of regret. Maybe you’ve told yourself, “I’m just bad with money,” or, “I can’t trust myself to make good financial decisions.” If this sounds familiar, you’re not alone. But here’s the truth: you are not inherently bad with money. You just need to rebuild your financial confidence.

Financial confidence isn’t about knowing every investment strategy or becoming a budgeting master overnight. It’s about trusting yourself to make empowered, intentional choices with your money without fear, guilt, or self-doubt.

So how do you start trusting yourself with money again? Let’s dive into the formula that can help you regain control and move forward with confidence.

STEP 1: Reframe Your Money Story

The beliefs you have about money shape how you handle it. If you’ve experienced financial struggles in the past, it’s easy to assume that you’ll always struggle. But that’s not true you are constantly evolving, and your financial reality can evolve with you.

Take a moment to reflect: What are the money stories you’ve been telling yourself? Do you believe money is hard to earn? Do you think you’re destined to be in debt? Once you identify these limiting beliefs, challenge them. Instead of saying, “I’m terrible with money,” try, “I am learning to manage my money with confidence.” Words matter, and so does your mindset.

What are the money stories you’ve been telling yourself? Do you believe money is hard to earn?

STEP 2: Small Wins Lead to Big Confidence

Trust isn’t built overnight it’s created through consistent actions. If you’ve been avoiding your finances out of fear, start small. Set up a weekly “money date” with yourself to review your finances, even if it’s just for 15 minutes. Celebrate the small victories, like paying a bill on time or choosing to cook at home instead of eating out. These small wins add up, reinforcing the belief that you are capable of managing your money wisely.

STEP 3: Shift from Fear to Curiosity

Many people feel anxious when they look at their bank account, but what if you approached your finances with curiosity instead of fear? Instead of saying, “I don’t even want to look at my balance,” try asking yourself, “I wonder what I can learn from my spending habits this month?” By shifting your mindset, you turn financial management into a tool for empowerment rather than a source of stress.

Align Your Spending with Your Values<br />

STEP 4: Align Your Spending with Your Values

One of the fastest ways to feel good about your money is to ensure your spending reflects what truly matters to you. If financial guilt is a recurring theme, it may be because you’re spending in ways that don’t align with your priorities.

Ask yourself: What do I value most in life? If it’s family, are you investing in quality time with loved ones? If it’s health, are you prioritising your well-being over impulse purchases? When your spending aligns with your values, financial confidence follows naturally.

STEP 5: Give Yourself Permission to Learn

No one is born knowing how to manage money perfectly. Mistakes will happen, but they don’t define you. What matters is how you respond. Instead of beating yourself up over a financial misstep, treat it as a learning experience.

Ask: “What can I do differently next time?” This shift in perspective turns every challenge into an opportunity for growth, reinforcing your ability to trust yourself.

STEP 5: Give Yourself Permission to Learn

Confidence grows in the right environment. If you’ve been struggling alone, it may be time to seek out support whether that’s a financial coach, a community of like-minded individuals, or access to the right financial education.

That’s why I created my Monthly Coaching program, giving you access to The Vault a treasure trove of financial resources, courses, and guidance to help you build the skills and mindset necessary for long-term success. And if you’re ready to take full control of your finances, my Master Your Money program will guide you through everything you need to know to transform your financial future.

Master Your Money Program

Final Thoughts

Rebuilding financial confidence isn’t about perfection it’s about progress. Every positive step you take strengthens your trust in yourself. You are fully capable of making empowered financial choices, and your journey starts today.

Take the first step, celebrate your wins, and remember: you are not alone in this. With the right mindset, tools, and support, you can rewrite your financial story and step into a future filled with confidence and abundance.

Are you ready to take control? Let’s do this together!

The 90 Day Money Makeover
10 Small Changes That Can Lead to Big Wins for Your Wallet

10 Small Changes That Can Lead to Big Wins for Your Wallet

When it comes to improving your finances, it’s easy to feel like you need a big windfall or drastic lifestyle changes to make progress. But here’s the truth: small, consistent changes often lead to the biggest wins. Whether it’s trimming everyday expenses, tweaking your habits, or making smarter financial decisions, these small steps can create a ripple effect that transforms your wallet—and your life.

In this blog, we’ll explore 10 simple yet impactful changes you can make today to start seeing big financial results.

1 – Automate Your Savings

One of the easiest ways to build your savings without even thinking about it is to automate the process.

How It Helps:

      • You prioritise savings before spending.
      • It removes the temptation to skip saving.

How To Do It:
Set up a recurring transfer from your checking account to a savings account on payday. Even $10 or $20 a week adds up over time.

Write down every debt you owe, including balances, interest rates, and minimum payments.

2 – Cancel Subscriptions You Don’t Use

Streaming services, gym memberships, and subscription boxes can quietly drain your wallet if you’re not careful.

How It Helps:

      • Frees up money for other priorities.
      • Eliminates guilt over unused services.

How To Do It:
Review your bank statements for recurring charges. Cancel any subscription you haven’t used in the past month.

3 – Switch to Cash for Discretionary Spending

Using cash or visa debit card instead of credit cards for things like dining out, entertainment, or shopping helps you stay within budget.

How It Helps:

      • Makes spending feel more tangible.
      • Helps you avoid overspending.

How To Do It:
As cash is getting hard these days to use and get out, you can either – withdraw a set amount each week for discretionary spending or open a visa debit card where it’s your cash and you can see what you spend and what you have left over. When the cash or money in your visa debit card is gone, you’re done for the week.

Switch to Cash for Discretionary Spending

4 – Meal Prep to Avoid Eating Out

Eating out frequently is one of the biggest budget busters. Preparing meals at home is not only healthier but also significantly cheaper.

How It Helps:

      • Reduces dining-out expenses.
      • Saves time and stress during busy weeks.

How To Do It:
Plan and prepare your meals for the week on Sunday. Cook in batches and store portions in the fridge or freezer.

5 – Negotiate Your Bills

You’d be surprised how many service providers are willing to offer discounts or promotions if you simply ask.

How It Helps:

      • Lowers your monthly expenses.
      • Gives you more breathing room in your budget.

How To Do It:
Call your internet, phone, or insurance provider and ask if they can lower your rate. Mention competitor pricing to strengthen your case.

6 – Unsubscribe from Retail Emails

Retailers are experts at tempting you with “limited-time offers” and discounts. Avoid unnecessary spending by unsubscribing.

How It Helps:

      • Reduces impulse purchases.
      • Keeps your inbox less cluttered.

How To Do It:
Take five minutes to unsubscribe from any email lists that promote shopping. Out of sight, out of mind.

Break Goals into Bite-Sized Steps

7 – Set Mini Financial Goals

Big goals like paying off debt or saving for a house can feel overwhelming. Breaking them into smaller milestones makes them more achievable

How It Helps:

      • Keeps you motivated.
      • Allows you to celebrate small wins.

How To Do It:
If your goal is to save $5,000, start with a mini goal of $500. Reward yourself (in a budget-friendly way) when you hit each milestone.

8 – Sell Items You No Longer Need

Decluttering your home can also give your wallet a boost. From clothes to gadgets, many unused items could be turned into cash.

How It Helps:

      • Provides extra money for savings or debt repayment.
      • Clears up space in your home.

How To Do It:
List items on platforms like Facebook Marketplace, eBay, or Gumtree. Focus on selling things you haven’t used in the past year.

9 – Use Cashback and Rewards Programs

If you’re already spending money, you might as well earn something back. Cashback and rewards programs offer a way to save while you spend.

How It Helps:

      • Reduces the cost of everyday purchases.
      • Can provide free perks like gift cards or travel rewards.

How To Do It:
Take five minutes to unsubscribe from any email lists that promote shopping. Out of sight, out of mind.

    Use Cashback and Rewards Programs

    10 – Track Your Progress

    Financial wins can feel invisible if you’re not paying attention. Regularly tracking your progress helps you stay motivated and see how far you’ve come.

    How It Helps:

        • Keeps you accountable.
        • Provides encouragement to stick with your plan.

    How To Do It:
    Set aside 15 minutes each week to review your budget, check your savings, and reflect on your financial goals.

    How Small Changes Add Up To Big Wins

    Each of these changes might seem minor on its own, but together, they can create a powerful impact. For example:

      • Automating savings builds a habit that grows over time.
      • Canceling unused subscriptions frees up money to pay down debt.
      • Tracking progress keeps you on track toward your larger financial goals.

    When combined, these small actions help you feel more in control of your money and reduce financial stress.

    Why Programs Like Master Your Money Make a Difference

    If you’re looking for a structured way to implement these changes, programs like Master Your Money can guide you. By combining practical tips with personalised coaching, you’ll learn how to make sustainable financial progress and achieve your goals faster.

    Conclusion

    Improving your finances doesn’t have to involve drastic changes or sacrifices. By focusing on small, consistent actions, you can make big strides toward financial stability and freedom. Start with just one or two changes from this list and build from there.

    Remember, every step you take brings you closer to a brighter financial future. So, what small change will you make today?

    The Master Your Money Program is FOR YOU if:

    👉🏼 You’re earning good income but still feel stuck in a cycle of stress or overspending.
    👉🏼 You want to break free from limiting beliefs like “I’m bad with money” or “There’s never enough.”
    👉🏼 You’re ready to build wealth without sacrificing the things you love.
    👉🏼 You dream of financial freedom and need the tools and mindset to make it happen.

    This is more than a mindset shift—it’s a transformation that puts you on the path to lasting financial success! 🚀

    The 90 Day Money Makeover
    How to Stop Feeling Overwhelmed by Your Finances in 2025

    How to Stop Feeling Overwhelmed by Your Finances in 2025

    Does the thought of opening your bank app make your stomach drop? Are you constantly worried about bills, debt, or whether you’ll ever have enough to get ahead? You’re not alone. Financial overwhelm is incredibly common, especially with the rising cost of living and competing demands on your paycheck. But here’s the good news: you don’t have to stay stuck in this cycle.

    In this blog, we’ll explore why financial overwhelm happens and, more importantly, how you can overcome it. By following these practical steps, you can regain control, reduce stress, and create a plan to manage your money with confidence.

    Why Do We Feel Overwhelmed by Money?

    1. Too Many Unknowns

    When you’re not sure where your money is going or how much debt you owe, it’s easy to feel out of control. The unknown creates anxiety, and avoidance becomes a coping mechanism.

    2. Unrealistic Expectations

    Social media and society often paint an idealised picture of what financial success looks like – think flashy cars, designer clothes, and lavish holidays. Trying to measure up can make you feel like you’re failing, even if you’re doing fine.

    3. Emotional Baggage

    Money is rarely just about numbers. It’s tied to emotions, past experiences, and even our self-worth. Financial stress can feel personal, making it harder to address objectively.

    Money is rarely just about numbers. It’s tied to emotions, past experiences, and even our self-worth.

    How to Stop Feeling Overwhelmed?

    Step 1: Acknowledge Your Feelings

    The first step to overcoming financial overwhelm is to acknowledge it. Pretending you’re fine or ignoring the problem only makes things worse.

    How To Do This?

        • Take a moment to name your emotions: Are you feeling stressed, ashamed, or frustrated?
        • Write down your worries in a journal. Sometimes, seeing them on paper helps put them into perspective.
        • Remind yourself that financial challenges are common and not a reflection of your worth.

    Step 2: Understand Your Starting Point

    You can’t fix what you don’t measure. It’s time to face the numbers, even if it feels uncomfortable. Knowledge is power, and understanding your financial situation is the first step to regaining control.

    How To Do This?

        • List Your Debts: Write down every debt you owe, including balances, interest rates, and minimum payments.
        • Track Your Spending: For 30 days, track every expense. This helps you understand where your money is going.
        • Calculate Your Net Worth: Add up your assets (savings, investments, property) and subtract your liabilities (debts).

    This process might feel daunting, but remember: it’s just data. The goal is to understand your starting point, not to judge yourself.

    Write down every debt you owe, including balances, interest rates, and minimum payments.<br />

    Step 3: Simplify Your Finances

    Complex financial systems add to the sense of overwhelm. Simplify your money management by automating as much as possible and consolidating accounts when appropriate.

    How To Do This?

        • Automate Bill Payments: Set up automatic payments for recurring expenses like utilities, rent, or mortgage.
        • Streamline Accounts: Consider consolidating multiple credit cards or savings accounts to reduce confusion.
        • Set Up Automatic Savings: Even a small, consistent transfer to savings builds momentum and reduces the stress of “finding” money to save.

    Step 4: Break Goals Into Bite-sized Steps

    Big financial goals can feel intimidating. Instead of trying to tackle everything at once, break your goals into smaller, actionable steps.

    Example:

        • Instead of “Pay off $10,000 in debt,” focus on paying an extra $100 a month toward your highest-interest debt.
        • Instead of “Save for a home deposit,” aim to save $50 a week into a designated savings account.
        • Instead of “Fix my finances,” commit to reviewing your budget once a week.

    These small wins build confidence and momentum, making the larger goal feel achievable.

    Break Goals into Bite-Sized Steps

    Step 5: Focus On What You Can Control

    Financial overwhelm often comes from focusing on things outside your control, like unexpected expenses or economic conditions. Shift your energy to what you can influence.

    What You Can Control:

        • How you spend your money
        • How you budget and save
        • How you approach debt repayment

    When you focus on actionable steps, you’ll feel more empowered and less overwhelmed.

    Step 6: Build A Support System

    You don’t have to navigate your financial challenges alone. Whether it’s a friend, family member, or myself as your financial coach, having someone to talk to can make a world of difference.

    Ways To Build Support:

        • Join a Community: Online groups or forums can connect you with people facing similar challenges.
        • Work with a Coach: Programs like Master Your Money provide step-by-step guidance and accountability.
        • Talk to Your Partner: If you share finances, make sure you’re working together toward shared goals.

    Step 7: Shift Your Money Mindset

    Sometimes, financial overwhelm is more about mindset than numbers. Reframing how you think about money can reduce stress and help you approach challenges with clarity.

    Mindset Shifts To Try:

        • Replace “I’ll never get out of debt” with “I’m taking small steps every day to reduce my debt.”
        • Replace “I’m bad with money” with “I’m learning how to manage money better.”
        • Focus on progress, not perfection.

    Step 8: Celebrate Your Wins

    Overcoming financial overwhelm doesn’t happen overnight, but every step you take is progress worth celebrating. Recognising your achievements – big or small, keeps you motivated.

    Ways to Celebrate:

        • Treat yourself to a small reward, like a coffee or a movie night, when you hit a milestone.
        • Keep a “win journal” where you document every positive financial step.
        • Share your success with someone who will cheer you on.
    Keep a “win journal” where you document every positive financial step

    Why 2025 Can Be The Year You Break Free

    This year is your opportunity to turn things around. With a clear plan, a supportive community, and the right mindset, you can overcome financial overwhelm and take control of your money. Programs like Master Your Money are designed to help you break through the noise and focus on what matters most: your financial peace of mind.

    Conclusion

    Feeling overwhelmed by your finances is common, but it’s not permanent. By taking small, intentional steps and focusing on what you can control, you can move from chaos to clarity. Remember, progress is better than perfection, and every step forward is a step closer to financial freedom.

    Start today by choosing one action, whether it’s tracking your spending, automating a bill, or simply acknowledging your financial stress. Your future self will thank you for it.

    The Master Your Money Program is FOR YOU if:

    👉🏼 You’re earning good income but still feel stuck in a cycle of stress or overspending.
    👉🏼 You want to break free from limiting beliefs like “I’m bad with money” or “There’s never enough.”
    👉🏼 You’re ready to build wealth without sacrificing the things you love.
    👉🏼 You dream of financial freedom and need the tools and mindset to make it happen.

    This is more than a mindset shift—it’s a transformation that puts you on the path to lasting financial success! 🚀

    The 90 Day Money Makeover

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