How to Develop a Positive Mindset for Lasting Financial Success

"Successful people don't have any fewer problems than unsuccessful people; they just have a different mindset in dealing with them." ~ John C. Maxwell

Insights from a Certified Money Coach:

💸 Does your relationship with money feel… complicated? 💸

You are NOT alone.

So many professional women over 40 tell me the same thing.

Some feel trapped in old patterns they just can’t seem to shake. Others speak of a constant, low-level anxiety about their financial future—like a storm cloud that never quite clears.

😬 Who knew one topic could stir up SO many emotions, right?

But here’s the thing: you have the power to change all of that.

Building a positive money mindset isn’t about spreadsheets or following joyless “rules.” (Ugh, boring.) It’s about shifting how you think and feel about money so you can create lasting financial success.

🌟 And I promise, it’s absolutely possible. 🌟

As a certified money coach, I’ve helped so many incredible women rewrite their money stories—from fear and scarcity to confidence and abundance.

And if you’re ready to start building that kind of relationship with money? You’re in the right place.

Here’s the plan: I’ll walk you through some practical, no-nonsense steps to upgrade your money mindset.

We’ll bust a few myths, tackle the tough stuff, and - dare I say it? - even have a little fun along the way.

Ready? Let’s dive in.

Step 1: Uncover Your Money Story

Every single one of us has a “money story.”

It’s like the script running in the background of your life, shaped by your upbringing, experiences, and even society’s sneaky little whispers.

But here’s the kicker: most of us don’t even realise how much that story controls the way we think about money.

🕵️‍♀️ Time to investigate!

Take a moment and think back.

• Did your family talk openly about money, or was it a hush-hush topic?

• Were you taught to save every cent, or did spending take priority?

• Was money a source of joy, or stress, or something in between?

Let me tell you about Susan (name changed, of course).

She grew up in a household where money was always tight.

Always.

Her parents stressed constantly about bills, and there were moments when they couldn’t afford basics like groceries.

Fast forward to adulthood: Susan was smashing it in her corporate career, earning great money, but... she couldn’t enjoy a single cent of it.

Every time she spent money - on herself, on fun, on anything - she felt this overwhelming wave of guilt. Deep down, she believed financial security was always just out of reach.

🌱 The turning point? Understanding that her scarcity mindset wasn’t her fault—but it was something she could change.

We started small: focusing on sufficiency instead of lack.

Then, bit by bit, we worked toward abundance.

And guess what?

Today, Susan approaches her finances with confidence and calm, not fear.

Step 2: Define Your Financial Values

Here’s something that might blow your mind: most people have no idea what their core values are.

😳 Yup. None.

And if you don’t know what truly matters to you, how can your financial decisions possibly reflect that?

Here’s the deal: when your spending aligns with your values, money stops being this scary, stressful thing. It becomes a tool—a way to build a life that feels meaningful and fulfilling.

📝 Your mission (should you choose to accept it): Write down your top financial values.

• Is it security?

• Freedom?

• Adventure?

• Generosity?

Once you’re clear on what matters most, you can start making choices that support those values.

For example, if freedom is your top priority, maybe it’s time to focus on paying off debt or building an emergency fund. If generosity is your thing, you could set aside money for causes close to your heart.

It’s all about alignment.

Step 3: Shift from Scarcity to Abundance

OK, real talk: scarcity thinking is sneaky.

It creeps in, whispers in your ear, and convinces you that no matter what you do, you’ll never have enough.

But here’s the truth: there’s more than enough to go around.

🍃 Abundance is everywhere.

Nature shows us this all the time.

Think of a tree bursting with leaves or a field of wildflowers—plenty for everyone to enjoy.

So, how can you start shifting your mindset?

1️⃣ Gratitude journaling.

Each day, write down three things you’re grateful for—big or small. This simple habit helps train your brain to focus on what you have, not what you lack.

2️⃣ Reframe those sneaky negative thoughts.

When you hear that little voice saying, “I’ll never have enough money,” pause and flip the script. Try:“I’m building financial stability, one step at a time.”

Over time, these small shifts add up.

Step 4: Set Goals That Matter

Let’s be real: “I want to save money” is about as inspiring as a soggy sandwich.

But when you tie your financial goals to something meaningful?

Suddenly, they’re powerful.

🌟 Use the SMART method: Specific, Measurable, Achievable, Relevant, and Time-bound.

For example:

Instead of saying, “I want to save for retirement,” try, “I’m going to put $500 a month into my retirement fund for the next five years.”

Intentional goals = motivation that sticks.

Step 5: Get Support

Look, nobody’s born knowing how to manage money. (Despite what your smug friend Karen might say.)

Asking for help isn’t a weakness—it’s a superpower.

Whether it’s hiring a coach (hi, that’s me 👋), joining a community of like-minded women, or just finding a money-savvy mate to chat with, support makes all the difference.

Step 6: Commit to Lifelong Learning

There’s always more to learn about money. And the cool thing? It doesn’t have to be boring or overwhelming.

🎧 Listen to podcasts.

📚 Read books (I highly recommend “You Are a Badass at Making Money” by Jen Sincero

💻 Take online courses.

The more you know, the more confident you’ll feel.

Step 7: Celebrate Your Wins

This is important.

We’re so conditioned to focus on what’s next that we forget to celebrate the steps we’ve already taken.

💃 Hit a savings goal? Treat yourself.

🎉 Paid off a credit card? Throw a mini dance party.

🙌 Took one small step toward financial freedom? Take a moment to acknowledge it.

Celebrating your progress isn’t just fun—it’s fuel for the journey ahead.

Final Thoughts: Your Money Story Can Change

Money doesn’t have to feel heavy. It doesn’t have to feel scary.

By uncovering your money story, aligning your decisions with your values, and building a mindset rooted in abundance, you can create a financial future that feels empowering and exciting.

✨ You’ve got this. Truly. ✨

And if you’re ready to take the leap, let’s chat.

Together, we’ll create a roadmap to rewrite your money story—one step at a time.

🌿 Here's to your financial freedom. 🌿

While you’re here, be sure to snag my free workbook, Map the Gap.

It’s designed to make money goal setting a breeze - so easy and effective that it’s perfect for building into your regular routine. Even if you’re just dipping a perfectly polished toe into the world of Money Coaching, you’ll find it simple to dive in and get started. Trust me, the results will be so fabulous you’ll be amazed!

There’s nothing to lose except your fear of failure, so go ahead and grab your copy here.