We all wanna save more and boss up our bank accounts but sometimes it’s easier said than done. What’s keeping a lot of people from actually putting in the work with saving their coins is their MINDSET. Your thoughts influence how you manage your money. Point. Blank. Period. How you think about yourself, your worth, and what you deserve could be the very thing keeping you from prospering out here in these streets. I have some good news for you though. Everything that you think and do as a result of those thoughts can be unlearned! If you’re serious about making 2017 your best year yet financially, then you have to start by getting your mind right.
Get into the habit of thinking that what you desire financially can be achieved by gaining the knowledge and skills needed. Don’t worry about what has happened in your past, how terrible you’ve been with your spending, and how you think you don’t make enough money. None of those things matter. Know why? There’s this thing called G R O W T H. More specifically, having a growth mindset is key for getting your finances on fleek and saving more. I’m going to spill the tea on how to get there, don’t worry I got you!
Here’s a breakdown of how you can get in the right mindset that you need to save more and spend less.
Speak POSITIVELY about your finances (regardless of your current situation)
Instead of focusing on the negative, change your way of thinking by speaking differently. You can do this by monitoring your thoughts and pointing out those times where those self limiting beliefs creep up. Challenge those thoughts by saying something positive instead. For example, instead of saying something like “I’m not able to save much money so I’m not going to save any at all” say this instead: “even through I’m not able to save much money right now, I can still save what I can.” By thinking and speaking this way, you’ll start to notice changes in your actions. Every little bit counts!
Most people just aren’t taught the financial skills needed for proper “adulting.” One of the main reasons why people struggle with their finances is because they don’t take the time to increase their financial literacy. You can only use the excuse of not being taught “this stuff” but so many times. As an adult, you should be seeking as much knowledge as you can and grow as a result. You can start in the comfort of your own home by simply “Googling.” There are a TON of free resources that you can utilize to increase your financial literacy and ability to manage your money and save with ease.
Don’t worry about putting a bunch of money aside when you’re first starting out. This is where a lot of people go wrong. Girl, if you only have $5 left over after everything is said and done and you put that away for a rainy day, then guess what? You my friend have started a savings. Every little bit adds up and over time, you’ll be working on adding more to the pot as your skills increase. Just allow yourself to get into the habit of putting something away and you’ll break those old habits little by little.
Set the right goals
If the financial goals you have for yourself don’t push you to actually take action to make sure that you achieve those goals, then you don’t have the right goals bruh. Your goals should create a clear vision for you and outline what it’s going to take for you to get there. Your goals should inspire you. When thinking about what you want to purchase with your stash of coins, make sure you allow yourself to dream big. You owe it to yourself; remember you’re deserving of having the desires of your heart. The time is now for you to start believing that too.
Accept responsibility and recognize that you’re in control
What if I told you that you held all of the power and control necessary to turn your financial situation around? You have to stop blaming Keisha and everyone else for your actions/situation and recognize that you are in control of what happens in your life. Accepting responsibility means that you have to kick that fear, that procrastination, that laziness, those excuses and everything else to the curb and do what you need to do to change your financial situation. It’s time to put on your big girl panties, shift your mindset, and do the work.
Here’s to better saving habits!