Working to save money can be a hard feat to overcome. There are negative money mindsets that could have been stuck in your brain since you were a kid. The good news is there, are ways that you can trick your brain into saving more money while you master a healthy money mindset. Let’s chat about some of the ways you can trick yourself into building wealth and how you can retrain your brain so saving money becomes easier and easier.
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The savings struggle
There are a number of reasons you might be struggling to save money, but here are some of the top struggles for most people:
A lot of times people are quick to blame their circumstances for the lack of savings, but in most cases, we are responsible for our circumstances and a negative money mindset has a lot to do with it.
One of the best things to do is understand exactly why you self sabotage your financial success and to understand what it takes to have a better relationship with money. These are topics that are all covered in The Coaching Kit!
Negative money mindsets
Negative money mindsets are a constant battle for most people and a lot of them were ingrained in our brains when we were just kids. We heard that “making money is hard,” “money doesn’t buy happiness,” or “money doesn’t grow on trees,” and because these messages came from well-meaning sources, we believed them.
What all of these phrases have in common is basically telling our brain that money is tough. It’s hard.
In reality, money is nothing more than a tool and yes, it actually can improve happiness! Learn more about how to make this happen.
So what can you do to take back this fear you have of an inanimate object?
How to flip your brain
There are several ways that you can work to flip your negative money thoughts and by practicing money affirmations to improve how your brain thinks about and percieves money.
The best way to come up with these affirmations is by first writing down all of the biggest fears you have around money.
Think back on times when you were stressed around money. Write down the beliefs that this caused you to hang onto.
Then, take your greatest fears around your finances and write new affirmations to contradict these limiting beliefs!
Facing your budget
My top 2 recommendations are to write out a list of 5 things you want the most in life and then check your past 3 months of spending to see if it lines up.
This is a process I cover in-depth in The Bucket List Budget that can help you become aware of whether or not your financial spending is aligned with the life you want to lead.
Too many people claim they want one life but their spending habits keep them stuck in another life.
Affirmations can work to change your money mindset, but finding ways to actually bring money back into your life right away is even more helpful!
Where do you find money the fastest? Instead of looking at your small purchases like coffee or shopping, try taking a peek at your consistent monthly spending. Do you have a cable bill that’s costing you $100 or more per month? A phone bill that is over-the-top?
Finding major wasted spending in your monthly budget is the first step to getting money back in your pocket quickly! Get more help creating a budget that works!
Make savings automatic
The next step after eliminated wasteful spending is to set up an automatic savings plan. When you start treating your savings like bill payment, you stop stressing over it so much. It’s just something that has to be paid.
Three ways to make automatic savings super easy:
- Set up an “off-shore” savings account
- Open an account that pays you to save
- Automate recurring monthly deposits
The Savings Builder at
With the Savings Builder account, you will get an interest rate that is 5 times the national average! Be able to set up automatic transfers from your regular bank AND in order to keep getting the best possible interest rate you have to deposit at least $100 per month!
This is a great starter savings because $100 isn’t a lot of money and yet it forces you to begin making healthier savings choices. Apply for the Savings Builder online.
Make spending selfish
Like I said, one of the best ways to help you manage money better is to get clear about how you actually want to spend your money.
A lot of times we give into quick impulse buys or last-minute purchasing decisions only to kick ourselves later when we again find ourselves with no money in the bank.
Invest in wealth-building help
If you have no idea where to even begin when it comes to managing your money, start looking into books, courses, and coaching that can help you master your money mindset and change your financial future.
The Bucket List Budget – My own signature budgeting course that makes budgeting feel possible and still allows you to spend and save on the things that you love!
The Coaching Kit – In my Coaching Kit, I offer workbooks on how to better improve yourself and your mindset as well as my Money-Free Mind that teaches money practices no financial gurus are talking about.
Practice gratitude daily
When you have laid out the areas of life where spending money is most important to you, practicing gratitude every day will help you keep your eyes focused on what you really want.
It can be so easy to get distracted by ads, social media, or our own impulses when it comes to spending money. Gratitude helps slow the brain and keeps you thankful for what you already have so you are not always craving the next best thing.