Creating a Healthy Money Mindset

For the majority of my life I had a negative mindset about money, making money and saving money. But I had no idea how to change it or that it was even wrong. I wanted money, that’s for sure. Money was the cause of most of my stress, but I just couldn’t seem to get a handle on it. I know I wasn’t alone. In fact, America has hit an all time high in credit card debt; around 1 trillion dollars of debt to be exact. How can something we think about so often, something we want so badly have this negative affect on us? The truth is, like most workings of our mind, we just have to change the way we think about it. Finally, I feel like I’m at point where I finally have a healthy money mindset and it is not at all what I imagined it to be. There are steps and understandings I had to take to finally get a grip on my out of control money habits. So let’s talk about creating a healthy money mindset.

Where do negative ideas about money come from?

First of all, let’s break it down into the top areas that a negative money mindset begins. When I first heard about some of these, I experienced those big “AHA” moments. Often times things can be so ingrained in us that we don’t think twice about them. These ideas are not meant to offend anyone or say for sure that these are where your personal thoughts may have originated. They are simply common suggestions.


Isn’t it so true that when deep down we are envious of a person, we tend to act out by cutting them down? You see someone with a more in-shape physique and you are either quick to tear them down or tear yourself down? This is also a common case with money. You see someone with a brand new car or who put in a new pool and you either wish you had what they have or you judge them for being materialistic. Neither of these are healthy options. Trust me, I’m totally guilty of them and it never got me anywhere.

Monkey see, money do (check out that word play)

Did you grow up in a home where money was tight or where credit card debt was just another bill? A lot of times people pick up money habits from their upbringing. If you heard mom and dad fighting about how money is tight, or watched them dig themselves into debt with purchase after purchase, you may have some learned bad habits. Personally, I know a common phrase I heard growing up (and then started saying myself) was, “We don’t have enough money for that.”