Mind Over Money: How to Rewrite Your Financial Story & Build a Breakthrough Mindset

Mind Over Money: How to Rewrite Your Financial Story & Build a Breakthrough Mindset

Sep 10, 2025 | Building Emotional Muscle, Building Financial Muscle, Credit Score, Debt Payment, Debt Repayment, Educational Series, Estate Planning, Financial Education, Financial Freedom, Financial Health, Financial Management 101, Home Loan, Mindset, Mortgage, Net Worth, Relationships

Let’s start with the truth:

You can have the perfect budget, a great-paying job, even a savings plan, and still feel stuck financially.

Why? Because if your mindset doesn’t change, your money won’t either.

In this blog, we’re going to unpack:

  • The power of mindset in creating real financial change
  • How money stories are formed (and how to rewrite them)
  • Common mindset blocks that keep people stuck
  • Simple tools to build a breakthrough mindset
  • How this fits into your journey toward financial freedom

Let’s dive in!

? What Is a Money Mindset (and Why Should You Care)?

Your money mindset is your core belief system around money. It shapes how you:

  • Spend
  • Save
  • Earn
  • Invest
  • React in financial stress

It’s the voice in your head that says:

  • “I’m just not good with money.”
  • “Money always slips through my fingers.”
  • “I have to work hard to survive.”

Or, on the flip side:

  • “I’m in control of my finances.”
  • “I know how to make money work for me.”
  • “Wealth is available to me.”

The difference? Mindset.

This isn’t wishful thinking, this is neuroscience and behavioural psychology. What you believe impacts how you behave. And how you behave impacts your bank account.

? Where Do These Beliefs Come From?

Most of our money beliefs are formed before age 7.

You may have grown up hearing:

  • “Money doesn’t grow on trees.”
  • “We can’t afford that.”
  • “Rich people are greedy.”

Without realising it, those phrases became part of your internal money script – even if they don’t serve you now.

Other money stories come from:

  • Your parents’ relationship with money
  • Cultural or community influences
  • Early financial trauma (like debt, bankruptcy, poverty)

Good news? You can rewrite the script.

? Common Money Mindset Blocks (And How They Show Up)

If you’ve ever thought:

  • “As soon as I get ahead, something always knocks me back.”
  • “I don’t deserve to be wealthy.”
  • “I feel anxious just opening my banking app,”

…you’re not alone.

Here are 5 of the most common mindset blocks we see:

1. Scarcity Thinking

The belief that there’s never enough (time, money, opportunities). This leads to fear-based decisions and self-sabotage.

2. Imposter Syndrome

Feeling like you’re not smart or “good enough” to manage money well. You might under-earn or avoid taking risks.

3. Fear of Success

It sounds weird, but many fear what will change if they actually become successful.

4. Guilt Around Wealth

Especially common if you grew up in struggle or were taught that money = greed.

5. Money Avoidance

This shows up as procrastination, not checking accounts, or avoiding financial conversations.

Getting Out of Debt Starts in Your Mind

✨ The Power of Rewriting Your Financial Story

Here’s the deal: your current money story isn’t your final chapter.

You can shift from:

  • “I’ll always be in debt” → “I’m learning how to manage and reduce my debt.”
  • “I’m terrible with money” → “I’m becoming more financially confident every day.”

Just like you wouldn’t expect physical results without working out, you can’t expect financial change without working on your mindset.

? Simple Tools to Strengthen Your Money Mindset

1. Awareness is Power

Start by journaling or reflecting on your early money memories. What did you hear, see, or feel growing up?

2. Affirmations That Stick

Affirmations are powerful when they’re practiced consistently. Try these:

  • “I am safe and in control of my finances.”
  • “Every dollar I spend and save has purpose.”
  • “I deserve financial abundance.”

3. Surround Yourself With Growth

Follow financial educators, podcasts, and communities that reinforce positive beliefs about money.

4. Set Micro-Goals

Progress builds confidence. Start with tiny, achievable wins – like tracking your expenses or saving $10/week.

5. Visualise the Outcome

Spend 2 minutes a day visualising what your financially free life looks like. Your brain responds powerfully to visualisation.

6. Join a Supportive Program

A structured environment with accountability and coaching helps speed up your mindset shift.

That’s exactly what we provide in the Financial Freedom Breakthrough Program, launching this September.

? The Role of Mindset in the Financial Freedom Diagram

Let’s circle back to the diagram from Financial Management 101.

If you’re stuck at the bottom (overwhelmed, struggling, surviving), it’s not just a numbers issue.

It’s a belief issue.

Mindset is the foundation that supports every other level:

  • Budgeting
  • Saving
  • Debt reduction
  • Credit health
  • Wealth building
  • Estate planning

With the right mindset, these tools feel doable. Without it, even the best strategy will collapse.

? Real Talk: You Are NOT Broken

Maybe you’ve made mistakes. Maybe you’ve felt stuck for years. Maybe you’re scared to even start.

That doesn’t make you broken – it makes you human.

Your past doesn’t define you. Your future is still yours to shape.

And the first step? Believing you can.

Working on your money mindset while paying off debt is so important.

? Ready to Rewrite Your Story?

Here’s how to begin:

  1. Download our Free Money Mindset Workbook (coming soon)
  2. Join the waitlist for the Financial Freedom Breakthrough Program
  3. Share this post with someone who needs to hear it today

    ? Final Thoughts

    Money mindset isn’t fluff, it’s the fuel behind every breakthrough.

    If you want a different result, you need a different belief.

    You’re not meant to just survive. You’re meant to thrive.

    Let’s start believing in that version of you, and take action to bring it to life.

    Your Financial Freedom Breakthrough™
    GET MORE DETAILS ABOUT THE PROGRAM
    What Is Financial Muscle and Why You Need It to Win With Money

    What Is Financial Muscle and Why You Need It to Win With Money

    Sep 3, 2025 | Book of the Week, Building Emotional Muscle, Building Financial Muscle, Credit Score, Debt, Debt Payment, Debt Repayment, Educational Series, Estate Planning, Financial Education, Financial Freedom, Financial Health, Financial Management 101, Home Loan, Mindset, Mortgage, Net Worth, Retirement, Saving Money

    Imagine this:

    You walk into a store, see something you want, and buy it without stressing over your bank account. You check your finances weekly – not with dread, but with confidence. You have savings, investments, and a clear plan for your financial future.

    That, my friend, is what it looks like to have financial muscle. But here’s the truth: Most people don’t have it. And even fewer know how to build it. In this blog, we’re diving into:

    • What financial muscle really means
    • The advantages of building it (and the disadvantages if you don’t)
    • Why it matters more than ever right now
    • How you can start strengthening yours today

    Let’s go!

    ? What Is Financial Muscle, Anyway?

    Financial muscle is your ability to make money work for you. It’s a mix of mindset, knowledge, habits, and systems that give you control over your finances – instead of the other way around.

    Think of it like going to the gym. When you first start working out, everything feels awkward and hard. But the more consistent you are, the stronger and more confident you become.

    Your financial muscle works the same way. It’s built by:

    • Mastering your money mindset
    • Creating strong financial foundations (like budgeting and saving)
    • Knowing your numbers (and facing them with clarity)
    • Managing debt with a plan
    • Understanding credit and how it works for you
    • Building wealth step-by-step
    • Protecting that wealth through planning and legacy tools

    Sound like a lot? Don’t worry, it’s a process, and you don’t have to do it alone.

    Getting Out of Debt Starts in Your Mind

    ✨ How Do You Know If You Have Financial Muscle?

    Let’s use the Financial Management 101 diagram to break it down:

    ? Bottom of the diagram (weakest financial muscle):

    • Struggling
    • Overwhelmed
    • Frustrated
    • Surviving

    You’re paycheck to paycheck. You avoid looking at your bank account. You feel like you’re constantly reacting to money problems instead of planning ahead.

    ? Middle of the diagram (gaining strength):

    • Debts are getting paid off
    • You’re focused
    • You’re learning and building financial muscle

    You’ve started budgeting. You’re more aware of spending. You might still have debt, but now you have a plan.

    ? Top of the diagram (fully flexed financial muscle):

    • Confident
    • Happy
    • Designing life on your terms
    • Financially free

    You’ve mastered your money. You make empowered decisions. Your money works for you through investments, automation, and a strong mindset. You’re no longer surviving – you’re thriving.

    Where are you right now?

    ? The Advantages of Building Financial Muscle

    Let’s get real: when your money is in order, your whole life feels lighter. Here are the top benefits of building your financial muscle:

    1. Confidence & Clarity

    You no longer fear checking your bank balance. You know your numbers and make decisions with confidence

    2. Less Stress, Better Health

    Financial stress is linked to anxiety, sleepless nights, and even health problems. With a plan, that stress melts away.

    3. Stronger Relationships

    Money is one of the top causes of relationship tension. When you and your partner are aligned financially, you reduce conflict and build trust.

    4. More Freedom

    Savings, investments, and smart planning give you options: travel, change careers, retire early, or support loved ones.

    5. Resilience in Tough Times

    Emergencies don’t knock you out. You have a buffer, a plan, and a mindset that helps you bounce back.

    6. The Ability to Build Wealth

    Wealth isn’t just for the rich. Anyone can build it with the right tools and habits.

    ? The Disadvantages of NOT Building Financial Muscle

    Let’s flip the script. When you don’t build your financial muscle, here’s what often happens:

    • You live paycheck to paycheck, even as income grows
    • You feel guilt or shame about spending
    • Debt piles up and feels unmanageable
    • You avoid financial conversations
    • Opportunities pass you by (because you’re not prepared)
    • You feel stuck and powerless
    • Your future feels uncertain

    Worse, you might end up in what we call the burnout spiral:

    Work more hours to make ends meet → Get overwhelmed and stressed → Spend to cope → Fall deeper into debt → Repeat.

    You deserve better than that. 

    ? Why Now Is the Perfect Time to Start

    If you’re reading this, it’s because you want more.

    More confidence. More clarity. More freedom.

    That’s what we help you build inside the Financial Freedom Breakthrough Program – launching September. This program is designed to help you:

    • Shift your mindset around money
    • Lay powerful financial foundations
    • Understand your numbers (without fear!)
    • Create a plan for debt, savings, and credit
    • Build wealth
    • Protect it for generations to come

    You’ll build financial muscle step-by-step, with accountability and coaching to support you every step of the way.

    Working on your money mindset while paying off debt is so important.

    ? Ready to Start Building?

    Here are 3 things you can do right now:

    • Take our free “Financial Muscle Check-In Quiz” to find out where you stand.
    • Join the waitlist for the September launch and get exclusive bonuses.
    • Share this blog with a friend who’s ready to grow with you.

    ? Final Thoughts

    Building financial muscle isn’t just about money. It’s about power. Peace. Possibility.

    You don’t have to live in survival mode anymore. You can rise.

    And we’re here to help you do it.

    Let’s flex that financial muscle – and build a life of freedom, confidence, and abundance.

    Your Financial Freedom Breakthrough™
    GET MORE DETAILS ABOUT THE PROGRAM
    Are You Ignoring Your Financial Safety Net? Why Wills & Estate Planning Matter (Even If You’re Young!)

    Are You Ignoring Your Financial Safety Net? Why Wills & Estate Planning Matter (Even If You’re Young!)

    Aug 20, 2025 | Book of the Week, Building Financial Muscle, Credit Score, Debt, Debt Payment, Educational Series, Episodes, Estate Planning, Financial Education, Financial Freedom, Financial Management 101, Mindset, Mortgage, Net Worth, Relationships, Retirement, Saving Money, Wills

    Alright, friend… it’s time we talk about something that everyone needs, but almost no one wants to deal with.

    Wills. Estate Planning. Life insurance.

    Did your eyes just glaze over?

    Did you suddenly feel an overwhelming urge to click away or scroll to the fun stuff on Instagram?
    Stay with me, because this may just be one of the most important money conversations you’ll ever have. Here’s the hard truth:

    If you’re ignoring estate planning because you think it’s “only for rich people” or “something I can figure out later,” you’re playing a dangerous game with your financial future, and the people you love most.
    In this post, I’m going to:

    • Bust the biggest myths about wills and estate planning.
    • Show you why everyone (yes, even you!) needs a plan.
    • Break down exactly what you need to do – without confusing legal jargon.
    • Help you take simple, meaningful action to protect your future.

    And don’t worry, this isn’t going to be dry or boring.

    We’re going to make this approachable, empowering, and (dare I say?) a little fun. Because protecting your future should feel like an act of love and self-respect, not something you dread.

    ? Myth #1: “Estate Planning Is Only for Rich People”

    Let’s start here, because this myth is everywhere. When most people hear the phrase “estate planning,” they picture wealthy people with sprawling mansions, yachts, and family fortunes that need protecting. But here’s the truth: If you own anything – even a car, a bank account, or a pet – you have an estate.

    Estate planning isn’t just for millionaires. It’s for:

    • The young professional with a growing savings account.
    • The parent who wants to protect their kids.
    • The small business owner with assets tied to their company.
    • The renter with a car loan and a retirement fund.

    If you have money, possessions, dependents, or even digital assets – estate planning applies to you.

    If you own anything - even a car, a bank account, or a pet - you have an estate.

    ? Why Avoiding Estate Planning Could Cost You (Big Time)

    I get it – thinking about wills, death, and “what ifs” isn’t exactly a fun Friday night activity. But here’s the thing… Avoiding estate planning doesn’t make it go away. It just creates more chaos for the people you care about most. Without a will or estate plan in place:

    • The courts decide who gets your assets – and it may not align with your wishes.
    • Your loved ones could be tied up in legal battles for months (or even years).
    • Minor children could end up with a guardian chosen by the court – not you.
    • Your hard-earned money could get eaten up by legal fees, taxes, or other costs.

    In short, not planning can create stress, delays, and heartache at the worst possible time.

    But when you take just a little time to set up your financial safety net? You give your loved ones clarity, protection, and peace of mind.

    ? “But I’m Too Young for a Will!”

    Another common myth? Thinking you’re too young to need a will. Here’s a little truth bomb:

    Wills aren’t about age – they’re about responsibility.

    You may not think you need one yet, but ask yourself:

    • Do you have savings, retirement accounts, or life insurance?
    • Do you have pets who rely on you?
    • Do you own a car, home, or business?
    • Do you have people who depend on your income?
    • Do you have strong opinions about where your money should go if something happens to you?

    If you answered yes to any of those, it’s time to start planning. Remember—estate planning isn’t about expecting the worst. It’s about being prepared for whatever life throws your way.

    ✨ Estate Planning: It’s Not Just About Death – It’s About Life, Too!

    One of the most overlooked parts of estate planning? It’s not just about what happens after you’re gone. It also protects you while you’re alive, especially if you ever:

    • Become seriously ill.
    • Get injured and can’t manage your finances or healthcare decisions.

    Your estate plan can include documents like:

    • Power of Attorney: Designating someone you trust to manage your finances if you can’t.
    • Healthcare Directive: Outlining your wishes for medical treatment and end-of-life care.
    • Guardianship Designations: Naming who will care for your minor children if you’re unable to.

    These documents ensure your voice is heard – no matter what.

    ? What’s Actually Included in a Basic Estate Plan?

    Let’s strip away the legal jargon and break this down simply. Here’s what most people need in their estate plan:

    1. A Will

    This legal document spells out:

    • Who will inherit your assets (money, property, belongings, etc.).
    • Who will take care of your children or dependents (if applicable).
    • Who will manage your estate (called an executor)

    What To Include in A Basic Estate Plan

    2. Power of Attorney (POA)

    This gives someone legal authority to:

    • Handle your finances if you’re incapacitated.
    • Make decisions on your behalf if you can’t.

    3. Healthcare Directive (Living Will)

    This outlines your medical wishes if you’re unable to communicate them.

    4. Beneficiary Designations

    Certain accounts (like life insurance, retirement accounts, and some bank accounts) allow you to name a beneficiary directly. These override your will, so it’s crucial to keep them updated.

    5. Guardianship Designations (If Applicable)

    If you have minor children, this document names who you want to raise them if you’re unable to.

    Bonus: Trusts (Optional for Some)

    While not necessary for everyone, trusts can:

    • Help avoid probate (the legal process of validating a will).
    • Provide additional control over how and when assets are distributed.
    • Offer potential tax benefits.

    ? How to Get Started with Estate Planning (Without Feeling Overwhelmed)

    Deep breath – this doesn’t have to be complicated! Here’s how to start, step by step:

    Step 1: Take Inventory

    List all your:

    • Bank accounts
    • Retirement accounts
    • Investments
    • Properties
    • Vehicles
    • Insurance policies
    • Personal belongings of high value
    • Digital assets (crypto, social media, etc.)

    Step 2: Clarify Your Wishes

    Think about:

    • Who should inherit your assets?
    • Who do you trust to handle your finances and healthcare if needed?
    • Who would you want to care for your kids or pets?
    • Are there any charitable causes you’d like to support?

    Step 3: Get Legal Help (If Needed)

    While you can create simple wills online for a low cost, it’s often wise to consult an estate attorney, especially if:

    • You have significant assets.
    • You own a business.
    • You have a blended family or complex situation.

    Step 4: Communicate Your Plan

    This is the step most people skip, but it’s essential! Let your loved ones know:

    • That you’ve created an estate plan.
    • Where they can find the documents.
    • Who has been designated for certain roles.

    Transparency now avoids confusion later.

    Step 5: Review & Update Regularly

    Life changes – your estate plan should too. Revisit your documents anytime you:

    • Get married or divorced.
    • Have children.
    • Move to a new state (laws vary).
    • Experience major financial changes.

    ? But What If You Don’t Have Much to Leave Behind?

    Here’s a powerful truth: Estate planning isn’t just about leaving behind money – it’s about leaving behind clarity. Even if your financial picture feels “small” right now, your loved ones will still need to:

    • Handle your debts and bills.
    • Access your accounts.
    • Close out your digital presence.
    • Make healthcare decisions if needed.

    Having a clear plan ensures they can do so smoothly. Plus, it sends a strong message: “I respect myself and the people I care about enough to plan ahead.”

    ? Estate Planning = Empowerment, Not Fear

    I get it – this can all feel heavy. But here’s how I want you to reframe it:

    Estate planning isn’t about preparing for doom and gloom.

    It’s about:

    • Taking ownership of your life.
    • Protecting your family.
    • Making your wishes known.
    • Creating peace of mind, for you and for those you love.

    It’s one of the most profound acts of love and responsibility you can make.

    ? How This Connects to Your Financial Breakthrough

    In my Your Financial Freedom Breakthrough™ – 90 Day Money Makeover program, we don’t just focus on day-to-day money tasks like budgeting and debt. We go deeper, because true financial empowerment covers everything. That includes:

    • Building your savings.
    • Tackling your debt.
    • Creating an intentional spending plan.
    • AND making sure your financial house is in order with estate planning.

    Most programs skip this step, but I refuse to. Why? Because I’ve seen firsthand how having a financial safety net changes lives.

    In the program, you’ll:

    • Learn exactly what legal documents you need.
    • Get simple checklists to help you start (even if you’re a total beginner).
    • Be guided through tough but important questions with compassion and clarity.

    It’s all about making this process approachable, doable, and even empowering.

    ? Ready to Take Action? (Mini Challenge!)

    Let’s get you started today with a bite-sized action step.

    Estate Planning Mini Challenge:

    Make a list of ALL your current accounts and assets. Check the beneficiaries on your bank accounts and retirement funds. Update them if needed.

    Choose ONE document to tackle this month:

    • Will
    • Power of Attorney
    • Healthcare Directive

    Start with the easiest one for you. This tiny step will start creating massive peace of mind, and it’s easier than you think.

    ? Final Thoughts: Your Legacy Starts Now

    Here’s what I want you to remember: Estate planning isn’t just for “older” or “wealthy” people – it’s for everyone who wants to protect their future.

    You don’t need to do it all at once, but starting somewhere is powerful. This isn’t about fear – it’s about empowerment, peace of mind, and love.

    And if you’re ready to take this even further to finally build a money plan that covers everything from budgeting to wills and beyond, get ready. My Your Financial Freedom Breakthrough™ – 90 Day Money Makeover opens on September 10th, and it’s designed to help you:

    • Create lasting financial change.
    • Build a money system that works for your life.
    • Feel empowered, organised, and confident with your finances – once and for all.

    You’ve got this, and I’m cheering you on every step of the way.

    Your Financial Freedom Breakthrough™
    GET MORE DETAILS ABOUT THE PROGRAM
    Your Financial Freedom Breakthrough™ - Scope
    Budgeting Without Deprivation: Why Your Budget Isn’t Working (Yet!)

    Budgeting Without Deprivation: Why Your Budget Isn’t Working (Yet!)

    Aug 13, 2025 | Book of the Week, Building Emotional Muscle, Building Financial Muscle, Credit Score, Debt, Debt Payment, Debt Repayment, Educational Series, Financial Education, Financial Freedom, Financial Management 101, Mortgage, Net Worth, Relationships, Retirement, Saving Money

    Raise your hand if you’ve ever tried to stick to a budget…

    …only to find yourself breaking it faster than you can say “unexpected Amazon purchase.”

    Yep, I see you. And you’re not alone.

    Budgets have gotten a bad rap over the years.

    For many people, the word “budget” feels about as appealing as:

    • Giving up your daily coffee runs.
    • Saying “no” to dinners out with friends.
    • Counting every single penny and feeling like you’re constantly falling short.

    But here’s the truth nobody talks about:

    Your budget isn’t failing because you’re bad with money.

    It’s likely failing because it wasn’t built to work for you in the first place. Today, I’m going to show you:

    • Why most budgets backfire (and it has nothing to do with willpower).
    • How to reframe budgeting as a freedom tool – not a punishment.
    • My favorite tips to create a budget that actually sticks (without feeling deprived!).

    By the end of this post, you’ll feel empowered to take control of your money in a way that feels personal, realistic, and – dare I say it – fun. Ready? Let’s dive in.

    ? The Real Reason Most Budgets Fail

    Here’s the million-dollar question:

    Why do so many budgets start with excitement… but crash and burn within weeks?

    Simple:

    Most people create budgets from a place of restriction, not intention.

    Think about it.

    When people sit down to “get serious” about money, they often whip out a budgeting app or spreadsheet and immediately start slashing everything they love:

    • No more takeout.
    • No more fun shopping.
    • No more travel.

    It’s like putting your money on a crash diet. And just like a crash diet, it’s unsustainable. You might stick with it for a week or two. Maybe even a month. But eventually, you’ll start to feel suffocated. Deprived. Frustrated.

    And then? You rebel.

    Suddenly, you’re splurging on things you “shouldn’t” buy, feeling guilty, and thinking, “I just suck at budgeting.”

    Sound familiar?

    ? Why Budgeting Doesn’t Have to Feel Like Deprivation

    Here’s the mindset shift that changes everything: Your budget isn’t a punishment. It’s a permission slip.

    Let me say that again, louder for the people in the back: Your budget is a tool that gives you permission to spend on what truly matters to you.

    Budgeting isn’t about cutting everything out of your life. It’s about:

    • Getting clear on your values.
    • Prioritising what brings you joy and security.
    • Being intentional with every dollar.

    It’s the ultimate act of self-respect and self-care. Because when you create a budget that aligns with your goals, you’re telling yourself: “I trust myself with money. I’m creating a life that feels good today and tomorrow.”

      Your budget isn’t a punishment. It’s a permission slip.

      Your budget isn’t a punishment. It’s a permission slip. Your budget is a tool that gives you permission to spend on what truly matters to you.

      ✨ The 3 Most Common Budget Mistakes (And How to Fix Them!)

      Let’s get specific. Here are the biggest budgeting mistakes I see over and over and how you can fix them starting today.

      Mistake #1: You’re Budgeting for a Fantasy, Not Your Real Life

      So many people create their budget based on what they wish their life looked like, not how they actually live. You might be thinking:

      • “I’ll just cut my grocery spending in half.”
      • “I’ll stop eating out completely.”
      • “No more personal spending for the next three months!”

      But here’s the problem:

      • You still have to eat.
      • You still want to enjoy your life.
      • You’re not going to suddenly become a minimalist monk overnight.

      Solution: Budget for your real life, not your fantasy version.

      Ask yourself:

      • What are my non-negotiables? (Coffee, takeout, hobbies, etc.)
      • Where am I willing to cut back (for now)?
      • How can I adjust slowly instead of all at once?

      Mistake #2: You’re Not Building in Flexibility

      Life happens. Unexpected expenses come up. Surprise celebrations pop onto the calendar. Your car decides to remind you it needs repairs (usually at the worst possible time).

      Most budgets fail because they’re too rigid. Every dollar is assigned perfectly… until reality hits.

      Solution: Build in buffer zones.

      In your budget, always include:

      • A miscellaneous category for unexpected expenses.
      • A “fun money” allowance—even if it’s small—to spend guilt-free.
      • A savings cushion for bigger unexpected costs over time.

      This way, your budget can bend without breaking.

      Tie every budgeting choice to a goal that lights you up.

      ? How to Create a Budget You’ll Actually Stick To (Without Feeling Deprived)

      Let’s get into the practical part! Here’s my step-by-step process for creating a feel-good, flexible, empowering budget that works for real people with real lives.

      Step 1: Know Your Numbers (Without Shame!)

      You can’t improve what you don’t measure. Start by gathering:

      • Your monthly income (after taxes).
      • Fixed expenses (rent, utilities, insurance, subscriptions).
      • Variable expenses (groceries, gas, dining out, etc.).
      • Minimum debt payments.

      Remember, this isn’t about judging yourself. It’s about getting honest with where you’re at.

      Step 2: Identify Your Financial Priorities

      Ask yourself:

      • What matters most to me right now?
      • Which goals am I working toward over the next 3–6 months?

      Examples:

      • Paying off credit card debt.
      • Saving for a vacation.
      • Building an emergency fund.

      Rank them in order of importance.

      Step 3: Allocate Your Income (The Empowered Way!)

      Now it’s time to assign your dollars. Start with this simple formula:

      • Fixed Expenses – Cover your essentials first.
      • Savings & Debt Goals – Direct money toward your top priorities.
      • Variable Expenses – Budget realistically for your daily life.
      • Fun Money & Flex Funds – Yes, this is non-negotiable!

      Every dollar should have a job, but make sure some of those jobs bring you joy!

      Step 4: Automate Where You Can

      Take the mental work out of budgeting by automating:

      • Bill payments
      • Minimum debt payments
      • Savings contributions (even small ones!)

      Automation reduces decision fatigue and makes it easier to stay on track.

      Step 5: Check In Weekly (Not Just Monthly!)

      Most people only check their budget once a month… or never. That’s like driving with your eyes closed until you crash. Instead, commit to a weekly money date with yourself.

      Ask:

      • What went well this week?
      • Where did I overspend or underspend?
      • Do I need to adjust anything for the week ahead?

      This keeps you engaged and in control, without feeling overwhelmed.

      ? Yes, You Can Still Have Lattes and Takeout (Here’s How!)

      Let’s address the elephant in the room. Do you have to give up your favorite things to succeed financially? Absolutely not.

      Here’s the trick:

      • Budget for them intentionally.
      • Scale back elsewhere if needed.
      • Enjoy them guilt-free.

      Maybe that means fewer takeout nights… but keeping your Friday sushi ritual. Maybe it means making coffee at home most days… but savoring your weekend café visits.

      It’s about balance, not restriction.

      You can still keep your Friday sushi ritual with the fam!

      If you budget intentionally, you can still keep your Friday sushi ritual with the fam without the guilt!

      It’s about balance, not restriction.

      ? How This Ties Into the Your Financial Freedom Breakthrough™ – 90 Day Money Makeover

      This is exactly why I spend a full section of my Your Financial Freedom Breakthrough™ – 90 Day Money Makeover guiding people through budgeting in a whole new way. We don’t just talk numbers – we talk values:

      • What makes you feel secure?
      • What experiences light you up?
      • How can your money fuel the life you want, both today and in the future?

      You’ll learn how to:

      • Build a flexible budget that supports your goals.
      • Ditch the guilt around spending.
      • Create a money plan that feels empowering—not restrictive.

      And the best part? You’ll have support, accountability, and expert guidance every step of the way.

      ? Ready to Take the First Step? (Mini Challenge!)

      Here’s a quick exercise to get you started today:

      The Budget Clarity Challenge:

      • Write down your top 3 financial goals for the next 90 days.
      • Review your last month of spending (no judgment!).
      • Highlight every purchase that didn’t align with your goals.

      Ask yourself:

      What can I adjust next month to better support my goals, without cutting out everything I enjoy?

      Choose one small change you’ll make this week. This simple process can open your eyes to how you’re currently spending, and show you just how much power you have to shift it.

      ? Final Thoughts: Budgeting Is About Freedom, Not Frustration

      Here’s what I want you to remember:

      Budgeting isn’t about deprivation – it’s about designing a life you love. Your money can support your dreams, your joy, and your future security – all at the same time.

      You don’t need to be “perfect” with your budget. You just need to stay consistent and flexible.

      And if you’re ready to dive deeper into this work, to finally build a money system that sticks – keep your eyes open. My Your Financial Freedom Breakthrough™ – 90 Day Money Makeover program opens for enrollment on September 10th.

      Together, we’ll build a budget that works with your life, not against it, and set you up for financial freedom that lasts.

      Your Financial Freedom Breakthrough™ - 90 Day Money Makeover
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      The #1 Money Habit That Changes Everything (And It’s Not What You Think!)

      The #1 Money Habit That Changes Everything (And It’s Not What You Think!)

      Aug 6, 2025 | Building Emotional Muscle, Building Financial Muscle, Credit Score, Debt, Debt Payment, Financial Management 101, Home Loan, Mindset, Mortgage, Net Worth, Retirement, Saving Money

      Let’s play a little game.

      Quick – what’s the first thing that pops into your mind when you hear the words “financial makeover”? Is it…

      Cutting up credit cards?

      Pinching coins until your wallet cries?

      Living on a “beans and rice” budget?

      If you said yes to any of the above, take a deep breath.

      Because I’ve got some really good news for you.

      The real secret to transforming your finances isn’t about spreadsheets, budgeting apps, or even how much you make.

      The secret is something you carry with you every single day.

      It’s your money mindset.

      And yep – that’s what this post is all about.

      By the end of this article, you’ll see why the most important financial habit you’ll ever master has nothing to do with crunching numbers and everything to do with the way you think about money. Trust me, this one shift can change your life forever (and yes, your bank account too).

      ? Why Your Mindset Matters More Than Math

      I know, I know… mindset talk can sound a little fluffy.

      After all, what does thinking differently about money have to do with paying off your credit card or saving for that vacation you’ve been dreaming about?

      Here’s the truth:

      Your mindset drives every single financial decision you make.

      It shapes:

      • How you spend
      • How you save
      • How you handle debt
      • How you invest

      Even how much money you believe you’re capable of earning. Most people don’t have a money problem – they have a money mindset problem. Here’s what that looks like in the real world:

      • You set a budget… but keep overspending.
      • You say you want to save… but somehow the money disappears.
      • You try to pay down debt… but the balance never seems to go down.

      Sound familiar?

      That’s not a lack of discipline or intelligence. It’s a deep-seated pattern playing out from within.

      ? What Is Money Mindset, Really?

      Let’s break this down simply.

      Your money mindset is the collection of beliefs, thoughts, and emotions you have about money, most of which were shaped long before you started earning your first paycheck.

      Here are some common money mindsets (see if any of these feel familiar):

      1. Scarcity Mindset:
      “There’s never enough money.”
      “Money comes in, but it always goes right back out.”

      2. Avoidance Mindset:

      “I hate thinking about money – it stresses me out.”
      “I’m just not good with numbers.”

      3. Security Mindset:
      “As long as I have enough to cover the basics, I’m fine.”
      “Money isn’t that important.”

      4. Abundance Mindset (Healthy & Empowered):
      “Money is a tool that helps me live my best life.”
      “I can learn how to grow and manage my money wisely.”

      Here’s the kicker: Most people are operating on autopilot with their money beliefs, without even realising it.

      ? How Your Money Beliefs Keep You Stuck (Without You Noticing)

      Let’s get real for a moment.

      If you grew up in a household where money was tight, you may have absorbed the belief that:

      • Money is stressful.
      • Rich people are greedy.
      • It’s dangerous to want more.

      On the flip side, maybe you heard phrases like:

      • “We can’t afford that.”
      • “Money doesn’t grow on trees.”
      • “You have to work hard for every penny.”

      Even if those sayings were innocent, they may have planted deep-rooted beliefs that:

      • Money is hard to get.
      • You shouldn’t ask for more.
      • You don’t deserve financial ease.

      And those beliefs? They’re running the show in your adult life.

      ? The #1 Money Habit You Need to Master: Awareness

      Here it is. The one habit that changes everything: Awareness of your money mindset. That’s it.

      When you begin noticing what you believe about money – without judgment – you unlock the ability to change your financial reality. Here’s how it works:

      Step 1: Catch Your Thoughts

      Next time you face a money decision, pause and notice your immediate reaction.

      Example:

      • You see something you want to buy.
      • You automatically think, “I can’t afford it.”
      • Or maybe you think, “I deserve this, even if I can’t really pay for it.”

      That’s your money mindset speaking.

      Catch Your Thoughts<br />

      Step 2: Question the Belief

      Ask yourself:

      • “Is this really true?”
      • “Where did I learn this?”
      • “Is this belief helping or harming me?”

      Step 3: Choose a New Thought

      You don’t have to go from “I’m broke” to “I’m a millionaire” overnight. But you can shift gently, like:

      • “I’m learning to manage my money better every day.”
      • “I’m making choices that align with my goals.”

      This habit of noticing and questioning your money thoughts is like turning on a light switch. Once it’s on, you can’t unsee the patterns anymore.

      ? How Money Mindset Shows Up in Real Life (3 Sneaky Examples)

      Here are some common ways your money mindset might be running the show right now:

      1. Budgeting Resistance

      If you’ve ever thought, “Budgets feel too restrictive,” you might have a scarcity or rebellion-based money mindset.

      Shifting your thought to:
      “My budget is a permission slip to spend on what truly matters.”

      …can make budgeting feel empowering instead of limiting.

      Budgeting

      2. Debt Denial

      Avoiding your debt? That’s often rooted in avoidance or fear-based money beliefs.

      Try this thought:

      “Facing my debt is the first step toward my financial freedom.”

      3. Under-Saving

      If saving feels impossible or boring, your belief might be:

      “I’ll never have enough to make a difference.”

      Shift it to:

      “Every dollar saved builds my future security and freedom.”

      ? Why Money Mindset Isn’t About Toxic Positivity

      Let’s be clear—this isn’t about pretending everything is fine when it isn’t. If you’re dealing with debt, low income, or financial instability, you’re not expected to just “think happy thoughts.”

      But here’s what does work:

      • Facing your financial reality with honesty.
      • Believing in your ability to improve it.
      • Taking small, consistent actions to build new habits.

      Mindset work isn’t about ignoring reality. It’s about empowering yourself to change it.

      ? How This Mindset Work Connects to Your Money Goals

      This is exactly why in my 90 Day Money Makeover program, we don’t just dive into budgeting and debt. We start with mindset, because if you don’t shift how you think, no amount of budgeting tools or savings hacks will stick.

      Inside the program, we go deep into:

      • Uncovering your personal money story.
      • Rewriting limiting beliefs about money.
      • Learning to set goals that are emotionally connected to your values.

      And yes, we also tackle budgeting, saving, debt, and even your will and estate planning—but all of that becomes easier once you’ve adjusted your financial lens.

      ✨ Ready to Start Shifting Your Mindset Right Now? (Mini Challenge!)

      Let’s get you started with a quick, powerful exercise:

      Money Mindset Reset Challenge:

      1. Write down 3 common thoughts you have about money.
      2. Circle any that feel negative or limiting.
      3. Rewrite each one into a more supportive, empowering statement.
      4. Say your new money affirmations out loud every morning this week.

      Example:

      • Old Thought: “I’ll never get ahead financially.”
      • New Thought: “I’m learning to grow my finances one step at a time.”

      This tiny habit can plant the seed for massive change.

      ? Final Thoughts: Your Money Mindset Is the Foundation for Everything

      Here’s what I want you to remember:

      Your money situation isn’t set in stone.

      Your past does not define your future.

      Your financial life can transform faster than you think—but it starts inside.

      And if you’re ready to go deeper with this work (and finally create the lasting financial change you’ve been craving), get ready, because my Your Financial Freedom Breakthrough™ – 90 Day Money Makeover opens for enrollment on September 10th.

      This isn’t just another budget bootcamp.

      It’s a complete personal money transformation – from the inside out. Stay tuned… and get ready to make your next 90 days your most financially empowering yet.

      Your Financial Freedom Breakthrough™ - 90 Day Money Makeover
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