5 Ways to Change How You Think About Money


The best way to break bad money habits is to change the way you think about money. Go beyond budgets and brown bag lunches, and stop struggling to stick to your budget.

Before the tips, a quip:

“Money, says the proverb, makes money. When you have got a little, it is often easy to get more. The great difficulty is to get that little.” ~ Adam Smith.









No, no, no! Stop thinking that it’s difficult to attract a little money into your life. You can create wealth and you will break your bad money habits. You simply need to change the way you think about money.

Read Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence for help – it’s a classic money management book.

And, here are five ways to change how you think about money and achieve your financial goals…

5 Ways to Change How You Think About Money

Changing how you think about money (your money beliefs) can help you solve your financial problems. Breaking bad money habits isn’t just about money management or setting smart financial goals – it’s about creating a better relationship with money.

1. Learn about your money beliefs. Do you think you don’t have enough money, or you’re “bad” with money? Negative money beliefs will stop you from getting more money, keep you stuck in your old bad money habits, and limit your ability to manage your wealth (much less create a budget). To change how you think about money, learn about your money personality – which often comes from your childhood.

Are your parents wealthy? Read Getting Money From Your Rich Parents – When to Say No.

2. Pick two or three money “mentors.” Ignore the money management horror stories of personal bankruptcy, home foreclosures, and financial losses. Instead, focus on successfully achieving financial goals – both yours and other people’s. Pick at least two money mentors (people who have succeeded financially, even if that “just” means saving $10,000 for a car or down payment on a house). Spend time with them. Pick a money mentor you can rub shoulders with in person, and a money mentor you can learn from online, on TV, or on the radio (eg, Suze Orman or Dave Ramsey).

3. Put your money personality to work for you. It’s easier to break bad money habits when you know what comes naturally for you. For instance, some people love to invest in the stock market, while others need to stop emotional spending. Some people need to focus on their household budget, while others are more comfortable pinching pennies (like me!).



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One of the best ways to change how you think about money is to focus on what comes naturally, and delegate other financial tasks to a spouse, reliable family member, or financial advisor.

4. Visualize your good money habits. If spending and debt are your bad money habits, then visualize good money habits such as saving $25 a week and sticking to your budget. Focus on making more deliberate choices about when, where, and how to spend your money. If poverty and extreme frugality are your bad money habits (like me — I have a hard time enjoying my money), then focus on financial abundance and generosity towards yourself and others. Use the law of attraction: visualize what your ideal financial life looks like and stay focused.

This money tip is especially effective when when you discuss your financial goals with your partner, family members, and friends. Talking about your money goals can make them more real and tangible. And, talking can keep you accountable.

Don’t forget about the law of attraction! Read 8 Money Laws to Boost Your Bank Account’s Bottom Line.

5. Get ready to surf the financial waves. Your bad money habits may whoosh in without warning, and whoosh back out again to leave you in peace. Financially faltering occasionally is normal, and certainly doesn’t mean all is lost! The key is to ride the ups and downs of debt, income, and household bills without losing sight of the big picture. Don’t give up on your goal of breaking bad money habits.

Stay focused on how fantastic it’ll feel to be in control of your money….and you will achieve your financial goals before you know it!

Have you thought about your financial future? Read 10 Tips for Achieving Financial Goals – Beyond “Use Cash”.



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Can you change how you think about money – and will that make a difference in your life?



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One thought on “5 Ways to Change How You Think About Money

  • Laurie Post author

    You have a real, dynamic, active relationship with money – whether you know it or not! That’s why it’s so important to change how you think about money.