This month’s topic is a lovely flow on from last month’s blog on Loving Your Money.

You might have noticed that whilst practicing my tips for loving your money, that your internal money mind was either chatting away positively or negatively?

This is very normal, and the good news is that being able to observe and control your money mind chatter is a skill that you can learn once you know how.

It’s so important, that today I’m going to share with you some tips on how to do it.

If you don’t control your money mind chatter, you may find that these thoughts become a self-fulfilling prophecy.

As the Philosopher, Ralph Waldo Emerson is quoted as saying, “You become what you think about all day long.” or maybe you have heard of the saying, “What you think about comes about.”

These quotes all refer to the same thing, if your mind chatter is around negative things then that’s what you will get in your life and vice versa. In effect, your thoughts become your reality.

For example, you say to yourself or a friend, “I’m really bad with money.” Then you go out and spend your money recklessly, therefore proving to yourself, and your friend, that you are indeed, ‘really bad with money’.

When this happens, you, like many other people may feel ashamed or embarrassed. You might put on a brave face and pretend to laugh it off, but in the background, the mood inside your heart is deep disappointment.

The realisation that you’re stuck in a loop of cycling from your thoughts to your behaviour is playing on your heart and mind, day after day, week after week, month after month and year after year.

Until finally, one day you wake up, you look around and things look the same as they’ve always been, however, you are now older.

Aware of how much money you have wasted, feeling totally fed up, you’re ready to stop the negative behaviour, feelings and experiences. You want to become good with managing your money. You want to transform your life, to be successful and help your loved ones.

Understanding and controlling your mind chatter, is the first step towards turning your money life around.

So, lets’ get started. I call this process reflecting and rephrasing:

  • Reflect on what the five most negative money statements that you say to yourself regularly?
  • Write them down.
  • Now, rewrite each one so that they are rephrased and written in a positive way.
  • Have them easily accessible to apply each time you hear your-self using an old negative statement.
  • Practice run – right now read each of your new positive rephrased money statements aloud.

By repeatedly saying these rephrased positive money words aloud, you will start to shift your perception and emotions around your money chatter.

This is one of many techniques that will help you to become the successful person that you want to be.

I find that most people would like to feel proud about the way they manage their money and I’m guessing that maybe you too.

Check out my ‘Top 5 Negative Phrases’:

Many people constantly say these to themselves as part of their money chatter. Beside each of the negative phrases below I have provided a positive money chatter statement that can be used instead.

  1. I’m hopeless at saving money. (I’m great at saving money).
  2. I can’t manage my money. (I’m managing my money well today).
  3. Every time I get ahead something bad happens. (The more I save the more good things happen).
  4. I always blow my budget. (I’m having fun sticking to my budget).
  5. I’m always getting unexpected bills. (I budget for the unexpected, so I don’t get caught out).

Some extra things to think about!

The more that you practice reflecting and rephrasing, the more it will become a motivator for you. By setting the intention to reflect and rephrase throughout the day, it will become easier for you to observe your negative chatter.

When you catch yourself using negative chatter immediately reflect and rephrase. The more you practice, the better you will become at creating a positive money mind.

MAKE A PACT TO ACT – practice the art of having a positive money mind today and I assure you, your life will start heading in the right direction.

If you have any questions or need help or guidance please send me an email, give me a call on M: 0414 778 476 or visit me on Facebook @freedomchoiceacademy.

Zoe is the director of Zoe Slater Counselling and CEO Freedom Choice Academy. She studied at The Australian College of Applied Psychology, Sydney Campus and completed her Diploma of Counselling and Communication at the Brisbane Campus. Zoe is an Associate Member with the Queensland Counsellors Association Inc and a member with Australian Counsellors Association.

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Finance Physiology Money Stress To Success – How To Create A Positive Money Mind