
It is easy for people to get defensive or feel ashamed when they are struggling with their finances. But here's the thing, where you are is just where you are, not WHO you are. Starting with this mindset will set you up for success!
The first step to creating healthy finances is to get clear on what your financial goals are. Start by writing down where you want to be in 1, 5 and 10 years time. Having clear goals will help you create even clearer action steps.
Most people don't like this next step, but in order to go where you want to go, you have to know where you've been. Take a look at your monthly spending: how much money do you have leftover each month after expenses? Is there leftover? Make it a game to see how much you can increase that leftover by removing any unnecessary spending, canceling subscriptions, and cutting out useless expenses.
Here's the best part - you get to give that money a plan! Tell your money where to go. The 3 areas your leftover money will go towards are: debt, investments and fun. Using the snowball effect, start by paying down your smallest debts. Once you've paid off a debt, take that money and add it onto the minimum payment of the next debt.
The key here is consistency. Make it fun, celebrate your progress and create your new belief about money.

“The hand you are dealt is just the starting point for development.” —Carol Dweck
But how do you know that you ARE stuck? Everyone is different but I think it can show up as job/relationship/body dissatisfaction. It can show up as anger towards those around you who you see “succeeding”. If you connect with any of these, it might be a sign that you need to start working on growing your mindset.
Here’s my top tips for moving that mind:
2. So will exercise.
3. Stop. Collaborate and Listen.
4. Keep notes.
5. Change your language and you’ll change your thoughts.
I hope this helps - it takes practice! Like learning to ride a bike or walk for the first time, it’s just one foot (or thought in this case) in front of the other every single day. And one day you’ll just notice that you just go there in your head. That you’re more confident, achieving goals, doing things you maybe never thought you could! Growth mindset doesn’t go away, it’s something you’ll carry on with you forever AND remember when I said it wasn’t magic? Well, it kind of is because it has this ability to jump from you to someone else. Watch how your circle starts to become enlightened and how it spreads like wildfire.
