“I’ve never been good with money”

“I hate budgets.”

“I’ll never be a 6-figure earner.

“My market won’t pay premium prices.”

If you’ve ever heard these statements in your head – or worse – come out of your mouth, then you’re falling victim to a dangerous habit known as negative self-talk.

Telling yourself these lies (and yes, they are lies) you’re actually reinforcing the beliefs that go along with them.

What you visualize and believe is what becomes true for you. Moreover, if you tell yourself you’re not good with money, and you won’t be.

When you believe that budgets are horrible chores to be reviled, you’ll fight yourself tooth-and-nail to create one.

If you convince yourself that you can’t earn a six-figure income, and you won’t.

It’s not “the secret.” It’s a scientific fact. Know as a self-fulfilling prophecy. It’s this kind of self-talk that results in poor performance simply because you act as if it’s already true!

Think about it this way, how do you feel when you tell yourself you’ll never be a six-figure earner? Do you get excited? Or do you do things that six-figure earners do?

It is a well know fact that one comes, finally, to BELIEVE whatever one repeats to one’s self, whether the statement be true or false. If a man repeats a lie over and over, he will eventually accept the lie as truth. Moreover, he will BELIEVE it to be the truth. Every man is what he is, because of the DOMINATING THOUGHTS which he permits to occupy his mind.

– Napoleon Hill, Think and Grow Rich 1937

By contrast, if you act and think as if you already are a six-figure earner, you’ll approach your business quite differently.

Your confidence level will increase. You’ll present a very different person to the outside world. You’ll go out of your way to connect with those who can and will afford to pay you what you’re worth.

How to Combat Negative Self-Talk

The first step toward changing your negative self-talk is to simply acknowledge that you do it. Tick a mental checkbox every time you catch yourself making negative statements, whether out loud or in your head.

I knew a guy who wore a rubber band around his wrist. Every time he had a negative thought he would snap the band on his wrist as a gentle reminder to stop the negative thought.

Make a note of the reoccurring negative thoughts you have and identify where they come from, if you can.

For example, if your ex-husband continually berated you for your spending habits, chances are your “I’m no good with money” mantra can be laid right at his feet.

It’s time to turn that thinking around to something more positive.

The next time you catch yourself saying “I’m no good with money,” take a minute to recall at least five times when you were good with money.

“I am good with money – I paid off my credit cards”

“I am good with money – I saved for a house”

“I am good with money – I built an emergency fund of $1,000”

Rephrase your self-talk to, “I used to be bad with money, (if that is true), but now I make smart choices to achieve my money goals.”

Just as negative self-talk becomes a self-fulfilling prophecy, so does positive self-talk.

Reframe your thinking, and your finances will certainly improve.

P.S. Would you like an expert to look over your finances and give you some “get out of debt quick” tips, tricks and strategies? Email me at katherine@katherinekuhn.com or join my FB Group Wealthy Beginnings and message me there!

About Katherine Kuhn

After a successful 20+ year career as an HR Professional, I discovered that success-on-paper was not all that it's cracked up to be. This a-ha realization launched me on a path to discovering my true life purpose and ultimate happiness. After receiving my Life Coach Certification, I became fully committed to helping my clients break the cycle of people-pleasing, begin advocating for themselves, and finally stop feeling guilty for living a life of true joy, happiness and fulfillment.

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