Money mindset is your relationship with money and it encompasses the set of beliefs, attitudes, and emotions you hold about money. It spans across your thoughts and feelings about wealth, abundance, scarcity, success, and worthiness. It influences how you perceive and interact with money and impacts your:
Financial Behavior – Your beliefs and attitudes about money shape your spending, saving, investing, and earning. For example, if you believe that money is scarce and difficult to come by, you may adopt frugal habits and avoid taking risks with your finances. Conversely, if you have a mindset of abundance and believe that opportunities for wealth are plentiful, you may be more inclined to seek out opportunities for growth and financial success.
Money Habits – Positive money habits, such as budgeting, goal-setting, and mindful spending, are often cultivated through a healthy money mindset. On the other hand, challenging money habits, such as overspending, impulse buying, or avoiding financial planning, may stem from limiting beliefs or fears about money.
Financial Goals – A mindset of abundance and empowerment can inspire you to set ambitious financial goals and take proactive steps to achieve them. Conversely, a mindset of scarcity or self-doubt may limit your aspirations and lead to self-sabotage or procrastination.
Financial Success and Fulfillment – Individuals with a positive and empowered money mindset tend to see, and are more open to, opportunities for wealth and abundance. In contrast, those with a restrictive money mindset may struggle to achieve their financial goals and experience feelings of scarcity, lack, and/or self-doubt.
Great question! One of the biggest obstacles to making positive financial changes is the presence of limiting beliefs. These are deep-seated beliefs, often subconscious, that hold you back from achieving your full financial potential. Limiting beliefs about money might sound like “I’m not good with money,” “I’ll never have enough,” or “Money is the root of all problems.”
These beliefs create blocks that influence how you think, feel, and behave when it comes to money. They can lead to fear, procrastination, self-sabotaging habits, or simply a sense of powerlessness. The good news is, once you identify and challenge these beliefs, you can begin to shift your mindset and take action toward financial empowerment.
Here are some signs that you may have limiting beliefs related to money:
Repeated Financial Challenges – If you find yourself facing recurring financial struggles, such as difficulty paying bills, accumulating debt, or living paycheck to paycheck, it might be a sign that underlying beliefs or behaviors are contributing to your financial situation.
Fear or Anxiety About Money – Feelings of fear, anxiety, or stress related to money can indicate that you have limiting beliefs around financial security or abundance. This may show up as worrying about not having enough money, fear of losing your job or income, or anxiety about financial decisions.
Self-Sabotage – Engaging in self-sabotaging behaviors that undermine your financial goals, such as overspending, impulse buying, or avoiding financial planning, may be a sign of underlying beliefs that prevent you from achieving financial success.
Comparison and Envy – Consistently comparing yourself to others and feeling envious of their financial success or possessions can be a sign of underlying beliefs of scarcity or inadequacy. What it really does is keep you from appreciating your own financial accomplishments and feeling grateful for what you have.
Difficulty Receiving – If you have trouble accepting payments, gifts, or opportunities related to money, it may indicate that you have limiting beliefs around receiving abundance or feeling deserving of financial prosperity.
Avoidance of Money Matters – Avoiding conversations or tasks related to money, such as budgeting, investing, or negotiating salaries, often indicate underlying discomfort or fear around financial matters.
Feeling Stuck or Powerless – Feeling stuck in your current financial situation and believing that you have little control or power to change it, is a sign that you have limiting beliefs around your ability to create wealth or improve your financial circumstances.
Beliefs and ideas that hold you back from your full potential are referred to as limiting beliefs. While we can have limiting beliefs regarding anything, in the examples above, the limiting beliefs are mostly related to money.
If you’d like more personalized guidance, I have a few limited spots for my 1:1 coaching program, Reset Your Money Mindset. In this program we’ll work together to break through those limiting beliefs and set you on the path to financial empowerment.
I’m Wendy Muzzy, and I specialize in helping women shift their money mindset and take control of their financial future with confidence and clarity.
My approach is unique because I’ve been where you are. I’ve experienced the fear and anxiety that money worries can bring, and I’ve done the deep inner work to shift my own financial mindset. I combine this personal journey with practical, actionable strategies that address both the emotional and financial sides of money. My coaching is about more than just numbers—it’s about transforming your entire relationship with money, so you can feel empowered, take charge of your financial decisions, and create lasting abundance.
Through a step-by-step process, my Reset Your Money Mindset program, I’ll help you identify and overcome limiting beliefs, uncover hidden opportunities, and build a strong foundation for sustainable wealth. Together, we’ll create a financial plan that not only works for you but helps you thrive.
If you’re ready to release money worries and step into financial freedom, I’m here to guide you every step of the way!
My Reset Your Money Mindset program consists of 5 sessions spread over 10 weeks. During these sessions, we will work on transforming your relationship with money by shifting how you feel, think, and act around it. We’ll also dive into your money habits —how you make and use money— and create a personalized action plan with small, yet meaningful, steps toward lasting change.
I’m so glad you’re ready to take this step! Yessssss!!
Reset Your Money Mindset is available for 5 bi-weekly payments of $250. Or opt for the pay-in-full option and save 20%, reducing the total to just $999 for the complete program
Woot, woot! I’m excited that you’re ready to take the next step!