Money may be a problem for you now. But it doesn’t always have to be. A shift in how you view your circumstances and the possibilities of how it can improve, can make a world of difference to your finances and to you. Money may not grow on trees, but it can grow from a healthy mind set.

How do I think more positively?

Are you a ‘half glass full’ or ‘half glass empty’ type of woman? Admittedly, when money is tight it is hard to think positively. The easiest way to think more positively is to visualise yourself with more money. It doesn’t have to be a mansion or millions; a realistic vision is a good starting point. If you currently can’t pay your bills easily, imagine doing so. If you are a step ahead , but you still haven’t got enough to holiday every year, then visualise a holiday in one of your dream destinations. See the smile on your face and your children’s. Visualising sets the tone for your mind and it becomes far easier to feel good about your future money potential. Don’t worry how it will happen at this stage. The only thing you have to do at this stage is have a firm desire and imagine how great it would feel to have enough money to enjoy life more.

Get Rid of the Poverty Mentality

When all you have ever done is live from one pay cheque to the next, it’s understandable that you may have a ‘poverty’ mentality. But poverty is not just a reality, but a state of mind. Do you have enough food on your table? Can you pay your bills? Although you may like more, it doesn’t make you ‘poor’. To have more money you need to shift your thinking from poor to good. “I have enough money to buy food and clothes for my children. We have a roof over our heads.” It is important to recognise what you do have rather than what you don’t have. You have money. It’s how you spend it that counts.

Value the Small Change too

We often complain that we don’t have enough, but most of us spend $2 here and $5 there and soon it all adds up! Buy a $3 coffee every work day and you’ll be spending $15 a week, $65 a month and $780 a year! Imagine the lovely week’s holiday you can have up the coast instead for that! We often buy something because it’s on sale, but did we really need it? We buy lunch every day, but we could pack lunch instead. If you have a detailed look at your spending, most people can find an extra $20-$50 a week that they could save for something they currently feel they can’t afford. A little money can actually go a long way, if saved. Keep a change jar. You’ll be excited as you toss your change in and see it grow. Get the kids involved too. It’s a great way for them to learn that every little bit counts.