How to Have a Positive Financial Mindset

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Here are 4 tips on how to have a positive financial mindset, and get rid of debt even quicker than you thought possible.

Like attracts like. This is very true when it comes to your finances and reducing your debt. After years of saving, and having success (and failures) with our finances, our family has figured out the secret. In order to get rid of your debt, you have to have a positive financial mindset. See that zero balance on your bill. Be ready for the windfall of savings you’ll have in your account. Know that in the end, you will be out of the red and back in black. Here are 4 ways to help you have a positive financial mindset, and attract even more money to your household.

Stop Thinking About Money

Yes, this may sound like it would be impossible to do. In the beginning, it will be difficult to see your debt and current finances as a positive. Over time, you will see every bill that is paid as a positive, and the dollars that are in your bank account increasing. Here’s a great way to stop thinking about money: use affirmations.  When you worry about a bill, immediately proclaim that bill as paid in full. Make a point to claim an increase in your bank account at least once a day.

Get on Auto Pilot

This is a useful tip that most personal finance enthusiasts will give you, but it definitely helps create a positive financial mindset. The less you have to think about where your money is going, and what bills should be paid when, the better you will view your current financial situation. Our family loves to put smaller bills on automatic payment. It allows us a breather when paying bills, since the smaller bills can add up and overwhelm the mind. If you have 6 bills that need to be paid monthly, and 3 of them are for less than 100 dollars a month, place those smaller bills on automatic payment. Your brain will thank you.

Love the Law of Attraction

I’m a big fan of attracting money to me, and you should be a fan too. The best way to do this is to see the positive in your financial situation. Again, this may be difficult if you are on hard times, but it’s necessary for your success. Instead of focusing on how large your mortgage or rent is, be thankful that you not only have a great place to live, but that you can pay that bill. If you have a hard time letting go of school tuition for your kids, imagine them prospering at the end of their scholastic career.

Set a Financial Time Limit

One of the biggest mistakes we make is constantly checking on the amount of money in our checking and savings accounts. Stop doing that. It causes stress and places your mindset automatically in the negative, even if you have a large amount of money in your account. Set a time limit to work on your finances. Give yourself 10 minutes to check your balance, transfer money to pay a bill, or make a deposit. That’s it. You can do this daily, then work to only check your account about 3 times a week.

Do you use any of these tips to work on our positive financial mindset? What kind of tips and tricks do you use to stay positive about your finances?

About Amiyrah

My name is Amiyrah and I'm an an African American fashion & lifestyle blogger based in Ohio.

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  1. 10.27.14
    Terri said:

    Positive affirmations makes a big difference for me when it comes to your financial mindset. I’m one of those old school people who still uses a check book so I like to hide little Post It notes in it with positive phrases to keep my head up when paying my student loans. For example one would say, “One payment closer to wiping yourself free of student debt,” Or “Hand in there. You are closer than you realize.”

    • 11.2.14
      Amiyrah said:

      I love that, Terri!

  2. 5.30.17

    These are great posts, I am definitely going to change my ways and my mindset 😉

  3. 12.31.18
    Arlissa said:

    Great post. Right in line with my financial mental transition.