Transforming Money Habits: Step-by-Step Guide
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How to transform your money habits

You can probably see what your money habits are. Do you have a feeling that you’re spending impulsively? Perhaps you know you don’t consistently save enough. Can you see you’re not investing regularly or reviewing your pension even though you’ve got an income coming in? Maybe you get to the end of the month wondering where all the money has gone, again. You “know” you should look but you just feel ‘stuck’ with your money.


But Why do you have those habits? Where did they even come from and When? And most importantly, How can you change them, for good?


One-to-One Financial Coaching. Find out how I can help you here


Why am I stuck with these money habits?

Your money habits are created by your inner thoughts and feelings.

It is those thoughts and feelings that subconsciously drive your behaviour. So your habit is the outside action created by your inner world, your inner beliefs.


Now that is all perfectly ok if the money habits are supporting your financial situation, but if they don’t and they are limiting you then it’s time for change.


Where have my money beliefs come from?

Money is often intrinsically tied in with our own feelings of worth. Many of the beliefs we have around money and our value come from our past experiences and the money stories we saw, heard and interpreted as we were growing up.


Understanding where your money beliefs have come from is key to changing your money habits, which is why this step is the first one I teach in personal finance consultations . I designed the Money Coaching Calls to assist my clients to take control and influence their money to fearlessly create their financial future in 4 weeks.


By identifying who was key in your childhood as a financial influencer, the behaviours you witnessed and the words you heard, will help you to understand what drives your money habits. Then you can create new ones and finally get un-stuck.


How can I change these beliefs?

Working with a financial coach is a transformative way to quickly achieve lasting change. You can also make a start yourself by becoming aware of the fleeting thoughts and feelings in and around money.


Try some of these questions to get started:
  • What do I remember about money growing up?

  • How do I feel when I spend/after I spend?

  • How do I feel when I think about my finances?

  • Have I always thought/felt like this?

  • When did I first start doing/feeling this?

  • What do I tell myself about money?

  • What Can’t/Don’t/Wonts am I saying to myself?

Make some time and space to get interested in the answers. The more you understand about what beliefs are driving your habits the easier beginning to change them will be.


I've also created this Free Downloadable Family Money Tree to assist you in uncovering your limiting beliefs, thoughts and habits around money.




If you're tired of struggling, overwhelmed with how you've been handling your personal finances or simply in need of a boost to get on the right path, then you’re in the right place.

This workbook has been created to assist you in beginning your journey to financial wellness with 5 days of guided exercises designed to clarify and transform your money mindset.

By the end of this experience you will have greater:

- clarity about your money mindset

- insight into what's holding you back financially

- understanding about your financial truths



Still feeling stuck? Book your first Free 30 minute discovery call - here

I will help you to take control of your money and help you create the financial future you deserve.


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