You’ve been hustlin’ at night and on weekends for months — or years — but you still can’t quit your day job.

You agonise about how you’ll pay your bills.

You’re over-delivering and undercharging.

You’re in a perpetual cycle of debt and financial chaos.

You’re earning ‘enough’, but spending way beyond your means.

You can’t seem to get ahead.

You’re just not earning or saving ‘enough’.

Any of these sound familiar?

Whether it’s our business accounts or personal finances, for many of us, our desired level of financial prosperity and abundance is seemingly forever out of reach.

We blame it on the market. Or on a flawed sales strategy or business framework. Credit cards. Dodgy financial advice. Questionable spending or saving habits. Bad book-keeping.

And while the strength our accounting practices does indeed have a hefty impact on the health of our bank balance, the truth is that fundamentally, a lack of abundance is caused by deeply ingrained and often subconscious negative attitudes we hold around money.

Yep, our cash flow (or lack thereof) can often be at the mercy of our mindset, which then determines our behaviours.

These limiting beliefs are called money blocks, and there’s a good chance they’ve been growing for many years — even as far back as our childhood.

They cause fear and anxiety around our financial situation, prevent growth and prosperity and hinder our ability to add more value to the world. They’re the reason we can’t attract more financial abundance or allow it to flow more easily into our lives

Listen to your inner dialogue when it comes to thoughts and discussions about abundance, prosperity, money and wealth.

What do you hear?

What do you feel?

“I can’t manage money.”

“Money is evil.”

“People with money are greedy/selfish/workaholics.”

“I will never be rich.”

“Making a lot of money is too much work.”

“I’m not smart enough to earn a lot of money.”

“I don’t deserve to get what I want.”

“Someone else can fix it for me.”

“Why should people pay me that much money?”

“If I have too much money, I’ll have too much responsibility.”

These are all common money blocks — negative thought patterns that anticipate fear or failure around money.

Let’s explore two of the most prevalent self-sabotaging behaviours and attitudes that prevent us from mastering our wealth.


Scarcity is in my DNA

Our childhood experiences — both positive and negative — play a crucial role in shaping the values, attitudes and beliefs we carry into adulthood.

This means there’s a good chance you may need to release old money stories you learned in your formative years in order to break a perpetual cycle of financial stress and mismanagement.

If your parents fought over bills, had a failed business venture or scraped by on minimum wage, there’s a good chance that ‘money talk’ sparks fear and anxiety in you.

Thanks to the conditioning of your childhood, you might see a lack of financial flow as a genetic hand-me-down that will inevitably shape your own financial prospects. It’s not.

The truth is, you can reprogram yourself to think differently to the way your parents thought about money, upgrade your economic status, remove the ‘poverty’ mindset and play it big.

All it comes down to is upping the ante on your level of self-worth, because if you don’t consider yourself important or worthy, you’ll never be bold enough to do what you need to do to earn more.

It’s as simple as that.

“When we unequivocally know how worthy we are, the value we provide in the world is profound,” says Kate Northrup, professional freedom seeker, creative entrepreneur and author of Money: A Love Story.

“And we get paid for it.

Kate achieved financial freedom at the age of 28 after embracing more loving money habits and a fresh perspective on self-love and value. She subsequently cleared herself of more than $20,000 in credit card debt.

She insists that how you deal with money (or don’t deal with it) is directly linked to feelings about yourself and your ability to earn and properly manage it. You simply can’t attract money if you don’t inherently believe that you deserve to have money and that you can use it wisely.

The solution to this block? Learn to value yourself and recognise the ways in which you add value to the world.

 Money is not spiritual

For many of us who like to believe we are connected to something bigger than ourselves, abundance is more often associated with notions of happiness, health and love — not a booming business or a plentiful savings account.

When we strive to fulfil our higher purpose by doing what we love and loving what we do, we tend to feel guilty for expecting wealth in return.

“It’s not spiritual to have money,” we tell ourselves.

But it really is OK to strive for financial abundance — provided we earn and spend with integrity.

According to Kate, money shouldn’t be a dirty word.

In fact, she believes it’s spiritual to be rich. (Watch the video — full of wisdom.)

“Often times, we divorce our financial lives from our spiritual lives,” she says.

She claims money is simply a stand in for what we value.

“If somebody wants something that you offer and they value it according to the amount that it costs? That is an exchange of value for value. When you add value to someone else’s life — that, to me, is a spiritual act,” Kate says.

“I see that you have a need, and I have something that can fill that need for you.

“How can I look at the world and say: Where can I add value? How can I add value to someone’s life?”

“You will begin rewiring your brain and you will learn and understand that you will become more prosperous to the degree of which you provide value to someone else’s life.”


Now that you might be able to recognise some of the money blocks affecting your financial health, here are some beliefs, rituals and activities you can implement to cultivate and maintain a more positive mindset.


Do the maths
Get an acute understanding of your entire financial situation. Keep a close eye on what comes in and what goes out. What are your savings? What are your debts? What is your income? What are your expenses and repayments?


Discover the bottle necks

Identify your individual money blocks. This can be a big exercise and could take some time, so be patient with yourself.

Start to dissect your money blocks by writing down, without judgement, all of your beliefs about money.

Think about the thoughts that trigger your behaviour. Become mindful of the stress that accompanies your earning and spending.

What are some of the stereotypes you believe about wealth? How do you feel about losing money? How do you feel about not having enough? How do you feel about having too much? What are your fears for the future?

Don’t hold back.

Review this list and begin to take steps to address and eliminate each of these limiting beliefs. Remind yourself that they have no place in your life.


Say thank you

Be grateful for what you already have, right now. Even if you think it’s ‘not enough’. We all know that what we focus on, expands — so by focusing on all of the things that already make us feel abundant, we’re bound to receive more of it. Change your thoughts from, “I don’t have enough money” to “I appreciate the money I have.” Be grateful to do the work that provides you with this income.


Make room to receive

Make a plan to pay off your debt. Talk about how you will use the money you are now ready to accept.

How will you use it to improve both your own life and the lives of others?

Believe deep down that you will be rewarded for the value you put out into the world.


Try Feng Shui

Call in an expert or do some research on the ancient Chinese art and science of Feng Shui. Arrange your home and work spaces so they support the flow of chi and the attraction of money into your life.


Your spending is a prayer

“Let your spending be a prayer for what you love and for what you desire— for yourself, for your family, and for the planet,” Kate Northrup says.


Cleanse your chakras

Each of our energy points — or chakras — controls everything in our lives from creativity, to our sense of love and connection, verbal expression, intuition, sexual energy and of course, money. It’s important our chakras stay open and aligned, because if there’s a blockage, energy will not flow.

Queen of the Chakras, Belinda Davidson, suggests focusing on your second (sacral) chakra to elevate your financial situation and make money flow more easily. Belinda has an incredible guided chakra balancing meditation which allows you to do this, or you can join her School of the Modern Mystic course to learn more about cleansing and caring for your chakras (among other things).

You can also see an energy healer, in person.

What’s one money belief that’s holding you back? How can you start to change this mindset? Share with us in the comments below!

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