One Tried-and-Tested Strategy to Replace Negative Money Beliefs

Stephenie Zamora
3 min readFeb 18, 2021

Do you have negative money beliefs?

The worldviews you hold about money determine not only your chances of success in the future but can also affect the quality of your life in the present.

Scary, right? I know!

Even though it may seem ridiculous that just a few thoughts can have that much of an influence over your life, it’s a well-known truth by now that changing your mindset is the first step to changing your life.

To help you get started, here’s one of my favorite strategies you can use to replace negative money beliefs with positive ones!

Step 1: Be aware of the beliefs holding you down

You can’t replace thoughts if you’re not even aware you’re having those thoughts… which is why it’s crucial to first identify the negative beliefs you have about money.

For instance, do you say things like:

  • Money never seems sticks around very long.
  • Money won’t come unless you hustle.
  • The rich are evil!
  • I don’t deserve/need to have that much money anyway.
  • Something bad may happen to me if I have too much (financial) success!

All of those are realistic beliefs that you may not even notice you have but they can still end up affecting your life!

Struggle to find out what you really think about money?

Keep a notepad close to you for a week or two. Write down anything — even the faintest of thoughts — you get when you think about money.

Let’s say, do you feel guilty when you buy coffee every day? Do you feel energized when thinking about going on a vacation… or worried you’re overspending?

What’s the first thing that comes to mind when you see a really expensive car? Would you ever invest in a great coach/mentor or feel like that’s money down the drain?

Things like that can offer you some massive insights into the core beliefs you hold about money!

Stephenie Zamora

Digital media and production company, publishing house, and full-service life-purpose development, branding, and online marketing boutique.