Money, money, money.


What just came into your mind when you read that sentence?


Our beliefs about money can really impact on how much money we actually make. Yes, I’m being serious. I had a really interesting talk to my mother the other day about this very topic. My mum has owned a very successful veterinary practice over the last 25 years so she knows a thing or two about business. She’s also pretty old school in some sense (she considers psychology as a little bit woo-woo – and still can’t quite comprehend that I help people get their shit sorted). We were talking about the attitude business owners have towards profit and she said something that totally surprised me – “Some business owners don’t get that they need to make a profit. Profit is king in business – sure I want to help the animals but I have to make money too”. I pretty much had to bite my tongue and not scream out ‘SEE – I DON’T DO WOO-WOO SHIT!’. She basically just highlighted something I help my clients with everyday – the negative beliefs we have about money. 


In short, if you have an issue with money, you’re not going to have an easy time making money. I’ve compiled 10 of the most common sabotaging beliefs we tend to have about money – and in true Kate-style, something for you to do to change that around.


1. “Money is the root of all evil.”

We’ve all heard this one. It’s an abstract belief that tends to be rooted from a negative past experience with money, or most likely, society’s attitude towards rich people. It’s not uncommon to think all rich people are evil and that to be rich means to be evil, but this limiting belief has no real basis other than misplaced fear and few idiots along the way.


Try this instead: “Money is neutral and a resource to do amazing in my life.”

2. “It’s selfish to want a lot of money.”

Says who? Money is a neutral medium – it’s neither good or bad. It is simply an energy exchange, albeit an important one. Look at it this way: imagine if women like yourself had lots of money? Just imagine how great this world would be!


Preach it sister: “The more money I earn, the more change I can create.”

3. “The rich get richer and the poor get poorer.”

The media love this one. This disempowering belief essentially gives away your responsibility to care for your finances. As soon as you give up responsibility, you lose power and influence, which is the last thing you want when it comes to your financial situation.


Try this: “I have everything I need to create financial abundance.”

4. “Money is not that important. It’s only money.”

Or in other words, you don’t take money seriously enough. It’s not one of your priorities. And it is the exact reason why you haven’t achieved a satisfying situation with your money yet. Respect yo’ money and treat it as a welcome and necessary energy.


Try this: “Money is one of my priorities in life.”

5. “Money is there to spend.”

In order to create financial abundance you actually have to save money. If you spend all the money you earn, instead of saving and investing it, you will never create the financial abundance that you could have. Ultimately, you become stuck in the consumer mindset. It’s not to say don’t spend money on nice things, it’s about not overdoing it. Like always, it’s a dance between saving and spending.


This sounds better: “The money I don’t spend makes me rich.”


6. “I’m just not good with money.”

Well, that’s pessimistic. It’s like saying you’ll never be good with money because you can’t learn new things.

As I wrote in the Big Picture Money Guide you have to educate yourself about money. Study money. Then improvements will follow naturally. Start by reading a good book about money.


Believe this: “I learn about money every day.”


7. “You have to work really hard to get wealthy.”

Uh, Online.Simplifed shows you how you don’t have to work really, really hard. You get wealthy by doing the right things. It’s all about working smarter, not harder. And it all starts with adopting the right mindset towards money.


Try this instead: “To get wealthy I provide real value for others and ask for a good price.”

8. “Money is a limited resource.”

This plays into the scarcity mindset where you would think that there is not enough for everybody, including you. This is opposed to the abundance mindset, which assumes that abundance could be created for everyone, including you.


Manifest this: “There is enough money to create financial abundance.”


9. “My family has never been rich.”

Stories are just that: stories. You do not have to share the same experience as your family. You are a separate person with individual goals and ambitions. It’s your life, not theirs, that you have power over.


Preach it: “I create my own financial independence.”


10. “Either rich or happy.” or “Either rich or healthy.”

Many assume to be rich, you have to give up your health or happiness. It’s not a case of one or the other. When you build a profitable business, you are helping and serving the very people you want to. They serve you in return – financially and soulfully. You can have a successful online business, feel healthy and nourished soulfully.


Say this: “Money is a part of my life I handle exceptionally well.”


This is an extract of my book, Online Simplified: The Solopreneur’s Guide to a Thriving Online Business. Want to have this money mindset makeover in a pretty PDF to put up on your pinboard? You can print it out and read it everyday to help nurture your new stronger relationship with money. Just download it here.


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