// Time for a financial change //
I’ve been thinking a lot about mindset. The mind is a powerful tool and critical to all that we do.
You’re here because you’re looking to change your financial situation. Good personal financial health and building wealth is a beautiful place to be. I am a huge supporter and want to encourage you.
// First off- yes you can! You can do it! //
But, I am not going to sugarcoat things. If you are looking to get out of some credit card debt, are looking to build your emergency fund, or are looking at starting/building a retirement account* you are going to have to make some changes to your current spending habits.
Very basically, to make-it-rain personal finance joy we have to spend less than we make.
And, you can do it!
// Mindset- gaining not loosing //
I am going to start with this upfront- it’s all about mindset.
Changing spending behaviors most directly means cutting back on purchases. You heard it here- This is NOT limiting. The idea of ‘cutting back’ does not have to equate to a limited lifestyle. Please don’t look at this as loosing something. On the contrary- you are gaining something!
When we first start to look at changing spending behaviors (ie, cutting back) it can seem limiting because the easiest things to scale back are things like expensive meals out with people, a specialty coffee every day, or a monthly subscription you may not need. But, I promise you, after you’ve done the triage of serious spending pain-points and you start being more mindful and intentional about your money, it’s glorious and liberating thing.
So, don’t see changing spending habits as a limiting principle. Keep your eye on the prize and envision the peace, abundance, and power that come along with healthy personal finance.
Speaking of envision- I’d encourage you to make a Vision Board (for how to click here) for your wall to remind you of what you see for your life…. the life you’re working and living towards in the future.
The mind is a powerful thing. Override ‘limited’ with ‘abundance.’
You’ve got this!
PS. Keep in touch! I would love to hear from you. Leave a comment and sign up for the newsletter. The App should be dropping soon!
*I am not a financial planner and this is NOT professional advice. However, all of these are important pieces to healthy personal finance.