Are You Talking Yourself into the Poor House?

What are your feelings and your self talk around your finances? Your view of your self worth may be stopping you from reaching your financial goals.

I have read so many articles that will tell you to use affirmations, create a vision board, or meditate and pray for the money you want in your life. Well, I believe in the law of attraction so, while those techniques do work, you will still miss the mark if you don’t first believe that you deserve or can get the amount you are aiming for. I see this a lot in business pricing. So many new businesses under value their product so they charge less than they should. Most coaches will tell you that’s not good. I disagree. You have to crawl before you can walk. If you don’t believe in the price you’ve set, you can’t achieve it and therefore, will continue to miss the mark.

When you are setting your goals, make them mean something. Create the lifestyle first. That will lead you to how much it will cost. What does your perfect world cost? Also, if you do choose a random number, don’t put any judgement behind it and don’t let other people make you wrong for that number. It may be low to some but to you, that is a number you believe in for your reasons.

When you are living the Habit of Happy, you hear your own truth and acknowledge your own feelings about it. Remember…it’s YOUR truth!

So let’s go back to the issue of self worth. How much are you worth? There is a great exercise to start you on the path to feeling comfortable with your worth. Now let me start by saying, very few people get paid what they are worth on their job but for the sake of this exercise, use your current salary. Take your current salary and figure out how much you are worth a minute. (annual salary / 2080 = hourly salary / 60 = amount per minute) It may surprise you. Have fun with it. Play with the numbers and see how much you would make if you changed the amount per minute. ( $$ x 60 = hourly salary x 2080 = annual salary)

The second exercise I must recommend is to watch The Joy Luck Club. To date, that is the best movie I have ever seen about self worth. If you haven’t seen it, you are in for a treat. If you have seen it, you know what I’m talking about.

The last exercise is to practice changing your verbiage around money. Instead of saying, “I can’t afford that”, say, “That’s not in my budget.” Instead of saying, “If I win the lottery, I’ll quit my job” say, “I need to earn $_________ to quit my job.” Instead of saying, “I can’t make a million dollars”, say “I want to make a million dollars doing _______________.” Instead of asking, “how much is that?”, say, “I’m willing to pay $________ for that.” You get the idea. Go to and share some of your positive self talk around money.

And here’s an added bonus – read books and get some workbooks and download some apps to track your finances. I have found Dave Ramsey a great resource and read The Richest Man in Babylon by George S. Clason. If you want to go one better, get a financial planner.

When you are living the Habit of Happy, you have done the work on yourself and are confident and non-judgemental about your choices. Take this time to get your financial house in order and stop having the money conversation. Don’t limit yourself to a specific dollar amount. Focus on being rich enough to do what you want, when you want, the way you want. Take control!

Now….Go! Be! Do!

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