I know what your thinking, but it’s not that.

It’s not a budget, although that’s helpful.

Or winning the lottery, which I’d accept happily. Or investing, even though it’s needed too. It’s not some tip or trick, tactic or strategy that you’ve been missing and once you have it everything will be great.

The one thing you need to do in order to get out of debt and make more money than ever is

Change How You Think About Money

That’s right.

The money situation we are in, the fears and worries we feel, our inability to make more money and our frustrations in trying to elevate our financial position is all related to how we view our money.

It sounds too simple to be true, but while you might not believe it, this concept of  ‘you are what you think’ isn’t new:

The Bible says “As a man thinketh in his heart, so is he” in Proverbs 23:7, and many books have been written on the topic – Think of Napoleon Hill’s ‘Think and Grow Rich’  or Earl Nightengale’s ‘The Strangest Secret’ and many others.

 I’m not telling you this in some kind of ‘mumbo jumbo, woo woo just think that you’re rich and someone will give you money’ type advice. We’re talking information that fuels action which produces results. And there’s some real metaphysical science that can be applied that supports the state of our financial affairs as it relate to what we believe is our money rules.

What money rules am I talking about? The ones that we create for ourselves, learned from our parents, or have come to accept based on what we hear from those around us and our current situation.

Rules like:

Money doesn’t grow on trees –  money is hard to get, is not an infinite resource, and should be hoarded because it won’t be available again.

I can’t have this, because I can’t afford it

Live for today – no point in savings. Spend your money now on things you like because you might not live past tomorrow.

My debt will die with me – suggesting that everyone should accept they will be in debt until they die, so don’t worry about how much you rack up.

There are haves and have nots. Some people are rich and other people are poor.

There isn’t enough money to go around, and you having money that takes away from someone else.

If you want something, work hard and save your money – money can only be attained through your hard work at a job or some other means.

Truth is, I can teach you all the money-saving tips, investing strategies, and wealth-building techniques in the world, but if your money mindset is faulty it’ll be of no use.

If you think money is in short supply or fear that money can run out, you will never have enough no matter how much you make.

If the only thing that matters is the price, then you’ll never pay for quality.

If you think you don’t deserve money because it makes you a bad person, then you will never be paid what you are worth.

Our beliefs become the frame that we use to see the world.

So before we get into budgets, clearing debt or making more money we have to start by changing the conversation and these 4 tips are great ways to start.

Here’s How:

1. Change Your Language

Sayings like ‘I can’t afford it’ breeds a scarcity mentality that steals your current joy and takes all hope from your future. It sounds extreme, but if you think you can’t afford to spend money because you don’t have enough, then you won’t go out to eat, have friends or spend time with family because you can’t afford the restaurant bill, the movie tickets or plane fare to visit. What we focus on becomes our reality, so continuing our self-limiting beliefs will limit our reality as opportunities seem to vanish or never really appear through our frame of beliefs.

Instead of ‘I can’t afford it’ start saying ‘what do I need to do to afford it’. Instead of ‘that won’t work for me’ start saying ‘how can I get that to work for me’. This simple difference in your language changes the focus from a limitation – can’t – and opens your eyes to start searching for possibilities. And as the saying goes ‘when the student is ready the teacher will appear’. So just like when you buy a new car you start seeing it all over the place, when you are looking for opportunities you’ll start seeing them everywhere. 

2. Embrace Your Fears

We’re talking about the financial future for ourselves, our children, and for the sandwich generation, for our aging parents too. The stakes are real and we have a lot of people counting on us.

But the fear that we have that the money will run out, that we won’t have enough, or we’ll be destitute isn’t reality. Your worry, burnt energy, and stress over something that may or may not happen is based on how you see your current situation.

There is no point in telling you to stop thinking about it, or just don’t worry about possibly being destitute, living under a bridge when you are old and gray.

Instead, harness that fear and use it to push you forward.

Whatever your worse nightmare is, know that you have the power to change it and stop it from happening. Create the mantra ‘I can’t afford this fear to happen. I must do, I must work, I must try, I must hustle’

Are you scared you won’t have enough to retire? Then decide now that you need to find a way to save more money.

Realized that your 401k alone won’t protect you? Find out ways that folks are trying to get more income for their golden years.

Worried you can’t afford college for your little one? Start saving now, and talk to a college admissions/counselor/financial planner to find out what folks are doing.

There is nothing new under the sun so I can guarantee that whatever you are worried about, someone else has worried, solved, and conquered that very same problem. Your job is to find that person.

If you remember nothing else, remember these three things.  Your fears are worried about something that has not happened. You have the power to change or stop it. And your fears are not unique.

3. Invest Time in Yourself

The best use of your time is to invest in yourself.

Expanding your knowledge, improving your skills, and making yourself a better person is by far better than anything you could spend your time or even money on.

Not just because you are worth it, but also because it opens doors for you and your family. You will find new ways to make money, find your courage to talk to people about what they are doing to improve their financial situation, and give yourself the motivation you need to achieve your goals.

4. Get Moving

Once you’ve changed your language, decided to use your fear as motivation, and started investing in yourself, then it’s time to get started. Don’t worry that you might not know enough, start small with little changes.

Those little steps build your confidence that you can do this.

Make a list of what you would like to achieve and make the blue sky the limit. Put whatever you want on the list and throw being realistic out the window. Whatever thoughts or limits you have about money put them to the side and find people who have achieved what you want – whether people you know or celebrities. 

The more you read of people who have done it, the more motivation you have that you can do it.

Ride that feeling.

Do not wait, because when we start getting comfortable, we start falling back into our old ways and are more likely to do nothing and confirm in your mind that your self-limiting beliefs are true.

Decide To Be Rich

When you decide that you can be rich and are ready to be rich then we start seeing possibilities everywhere. That’s when we start to recognize that the world is abundantly filled with everything we could ever want and the universe is waiting to bestow the blessings God has in store for us.

So what are you going to do? Keep living by the same old rules you’ve used before that put you in your current situation? Or are you going to make a change, and turn the corner and finally get what you want?

You have the tools. It’s completely FREE and you can do it right now.

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