Money is an area of life where emotions, experiences, and attitudes all come into play. Have you ever wondered why you feel stressed or uneasy when thinking about money, or why you’re confident in some financial situations but unsure in others? This isn’t just about how much money you have—it’s often about how you feel about it and the deep-rooted beliefs you’ve developed around it. 

Our attitudes towards money are shaped over time by our upbringing, cultural influences, and personal experiences. For instance, someone raised in a family where money was scarce may adopt a belief that “money is hard to come by,” leading them to approach financial opportunities with fear or hesitation. On the other hand, someone who grew up in a financially comfortable environment may develop an attitude of abundance—“There’s always more where that came from.” 

 But here’s the thing: these financial beliefs often operate below the surface. They affect your choices without you even realising it, and that’s why it’s essential to identify them.

 When you start recognising your ingrained beliefs, you gain the power to shift them. It’s like discovering a hidden script that’s been playing in the background of your financial life and one that will be prescriptive of your financial future if you don't do anything about it. Once you know what it is, you can rewrite it to better align with your goals and aspirations.

The key to unlocking this change is to take a step back and assess your current financial situation. Take a look at your habits—how you handle spending, saving, and investing. Do you find yourself avoiding financial decisions or feeling anxiety when money comes up? This could be a sign that some of your attitudes are based on fear or scarcity. Once you recognise this, you can start to adjust your approach.

 One of the most powerful shifts comes when you understand that your financial reality is not set in stone. You have the ability to change your mindset and rewrite the story you’ve been telling yourself about money. For example, when I started my own journey, I had to address the belief that I wasn’t worthy of financial abundance. This belief was ingrained in me from my teenage years and early 20s. By recognising it, I was able to challenge it and replace it with a belief in abundance and possibility. I began to act in ways that aligned with this new mindset, such as investing in my financial education and finding ways to increase my income.

This shift isn’t always easy, but it’s incredibly empowering. Once you start challenging your beliefs, you begin to notice opportunities that were previously hidden. You start making choices that reflect your true worth and potential rather than acting out of fear or scarcity. 

Reflecting on your financial memories is a great way to start this process. Ask yourself: What messages about money did I grow up with? What did I learn from my family, my culture, or my experiences about how money should be handled? The more you understand where these beliefs come from, the easier it becomes to challenge and change them.

It’s also important to look at the behaviour patterns that stem from these beliefs. Maybe you’re great at saving, but you find it difficult to spend money on yourself. Or perhaps you tend to avoid thinking about money because it makes you anxious. Once you pinpoint these patterns, you can ask yourself: Are these behaviours serving me, or are they holding me back?

The next step is to challenge the beliefs that no longer serve you. For example, if you’ve been holding onto a belief that "money is the root of all evil," or "I’ll never be good with money," it’s time to ask: Is this belief true? Does it align with the life I want to create? Shifting your mindset begins with answering these questions and replacing limiting beliefs with empowering ones like, “I am worthy of financial success” or “I have the power to create financial abundance.”

As you challenge these old beliefs, it’s helpful to set new, intentional financial goals. These goals should align with your newfound beliefs and reflect your true potential. Whether it’s paying off debt, saving for a major purchase, or creating a plan for long-term wealth, each goal reinforces your shift toward a more empowered financial mindset.

Changing your financial attitudes won’t happen overnight, but each step you take will help you feel more in control and less stressed about money. Over time, you’ll notice that your decisions align with your new beliefs, and your financial reality will begin to reflect the mindset you’ve been cultivating.

If you’re ready to dive deeper into shifting your financial mindset and gaining more control over your financial future, I’ve created a free guide to help you unlock the mindset shifts that will eliminate financial stress and boost your earnings. Download it here to get started on your journey to financial freedom.