Your relationship with money is more than the numbers—it’s shaped by what you believe, how you feel, and the story you tell yourself about money.

Think about it:

• Do you see money as a tool to build the life you love—or does it feel like a source of stress?
• Are you confident in your financial decisions, or do you find yourself second-guessing?

We all have a “money story”—a narrative about what money means, how to handle it, and even how much of it we deserve.

The good news is that story isn’t set in stone. You can uncover it, challenge it, and rewrite it in a way that’s aligned with your values and goals.

Here’s how to start shifting your money mindset in four practical steps.

1. Reflect on Your Money Story

Your habits around money didn’t appear out of nowhere. They were shaped by what you saw and heard growing up. Maybe you heard things like:

• “We can’t afford that.”
• “Money doesn’t grow on trees.”
• “You should always save, never spend.”

Take a moment to ask yourself:

• What beliefs about money did I pick up over the years?
• Are those beliefs still helping me build the life I want today?

If you feel guilt every time you spend, or you avoid looking at your bank account out of fear, ask: Why do I feel this way? Then try replacing that belief with something more empowering, like:

• “I work hard for my money, and I deserve to spend it in ways that align with my values.”

Awareness is the first step to change.

2. Shift from Scarcity to Abundance

It’s easy to fall into a scarcity mindset without realizing it. Thoughts like:

• “There’s never enough.”
• “What if I run out of money?”
• “I’ll never get ahead.”

The problem with scarcity thinking is that it keeps you stuck in fear. Shifting to an abundance mindset doesn’t magically change your circumstances, but it can open your eyes to opportunities you might be missing.

Start small: Reflect on what’s already good in your life. Maybe it’s a warm conversation with a friend, a home-cooked meal, or the way you feel when you check something off your to-do list. Gratitude for these small moments can help you shift from “there’s not enough” to “I already have so much.”

3. Take One Small Step Today

Shifting your money mindset doesn’t mean overhauling everything overnight. It’s about taking small, meaningful actions that build confidence over time.

Ask yourself: What’s one thing I can do today to feel more in control of my money?

• Review your spending for last month.
• Set up a $10 weekly transfer to savings.
• Schedule a conversation with your financial advisor about your 2025 goals.

Even tiny actions can make a big difference. One client I worked with started by simply checking her bank account daily. Over time, that small habit reduced her stress and helped her spend more intentionally—and for the first time, she felt prepared for tax season.

Progress happens one step at a time.

4. Celebrate Your Progress

Focusing on what’s still on your to-do list is tempting, but celebrating your wins—no matter how small—keeps you motivated.

Did you pay down $50 on a credit card? Celebrate. Did you cook at home instead of ordering takeout? Celebrate. Did you say “no” to a purchase that didn’t align with your priorities? Celebrate that too.

Quick tip: Sharing your wins with a friend, group, or accountability partner can keep you motivated. Progress is worth celebrating—even when it’s not perfect.

Rewrite Your Money Story in 2025

Transforming your money mindset isn’t about overnight change. It’s about learning to approach your finances with curiosity, clarity, and confidence—one small step at a time.

So, what’s one small shift you can make today to start rewriting your money story?

If you’re ready to feel more confident, in control, and intentional with your money, let’s work together. Through personalized 1-on-1 planning and small-group Women’s Money Circles, we’ll tackle the questions, habits, and plans that matter most to you—so your money can truly support the life you want to live.

Want to learn more? Let’s connect: https://calendly.com/meredithsims/introductory-consult

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