8 Simple Steps To Change Your Money Mindset

Last Updated on May 12, 2026

Do you want more wealth and abundance in your life and business? I guess so. It all starts with your money mindset. You do not have to work harder and hustle, hustle, hustle all day long. 

All you have to do is change your beliefs around money to transform your mindset.

When you know the right strategies, it is not that hard to change your scarcity thinking into a wealth mindset.

To change your mindset around money and wealth there are certain steps to take.

This is what we cover:

The 8 steps to change your mindset around money

  • Forget What You Learned About Money
  • Let Go Of Your Past
  • It’s All About Gratitude
  • Create A (Feng Shui Inspired) Dream Board
  • Less Is More = Declutter
  • Dream Big 
  • Set Big, Smart Goals
  • Start To Love Money

Have you heard the quote by Napoleon Hill “What the mind can conceive, it can achieve.”

If you’re dreaming about being wealthy, becoming a multi-millionaire, or having that extra cash for a needed vacation, you can totally achieve it.

You can be, do, and have anything you want. 

What stands between your current reality and your dreams are your beliefs.

Now, let’s dig deeper on how to actually change your lack of abundance and your scarcity thinking into a wealthy mindset by starting with a mindset shift.

1. Forget What You Learned About Money

Money doesn’t grow on trees.

Rich people are greedy.

Money is evil.

Sounds familiar?

Did you hear these statements over and over again from your family or your friends? 

As children, we learn from our parents, siblings, our family. We learn from teachers, advertising, what the government says.The list goes on and on. 

You soaked it up like a sponge. It turned into your reality and your beliefs because you thought that what you heard was the truth. 

Don’t blame them because they learned these “truths” from others as well.

These negative beliefs around money are so ingrained into our subconscious that we hardly recognize them anymore. 

The first step to changing your negative beliefs around money (your money blocks) is to dig them up and to ask yourself if they are true. 

If you want to go deeper, read how to get your subconscious on board with your business dreams.

Is it really the truth? 

Are all the statements you heard true?

Is it true that e v e r y rich person is greedy?

Is it really true that money is e v i l? 

Is it true that you will become a bitch when you are rich? 

There are many wealthy people out there who do a lot of good in the world with the money they have. 

Money is only energy.
It doesn’t say anything about you or your worth.  

It is not evil per se, nor is it good.
It is a neutral energy.
It’s exactly what kind of meaning we give to it. 

Money is not limited, because it’s energy. Energy is limitless. And therefore money is an unlimited source. It is expressed through numbers.  

It actually doesn’t exist. What do I mean by that?
Only part of it exists as banknotes or gold you can touch. Most of the money only exists in the form of numbers in bank accounts, on credit card statements,… It is in fact limitless energy.

It’s the value and what you think of  is what makes you rich or broke. If you think money is limited, you’re experiencing this lack of energy or abundance. 

Just because right now you feel like you don’t have enough, doesn’t mean there’s not enough for you out there. 

Energy is limitless, and as money is energy, it is limitless too. 

The problem is that you’re thinking you don’t have enough and that money is a limited source. 

And this is exactly why you don’t have enough money. 

This is what has to change. 

The first step is to recognize that your beliefs around money you learned from other people are simply wrong.

Let go of these thoughts and beliefs.

Simply by deciding that you are done with them.

2. Let Go Of Your Past

“I can’t afford it.” Are you guilty of saying “I don’t have the money for it”, over and over again? 

I have some bad and some good news for you. 

The bad news:
What you’re believing and saying creates your reality. 

When you say

I CAN’T AFFORD ______.

I DON’T HAVE THE MONEY FOR _____.

I WANT IT, BUT I CAN’T BECAUSE OF _____.

You will keep telling yourself you cannot afford it, and so you will keep not getting it.

Do you hear me? (Saying it with all the love I have.)  

Your beliefs create your reality. 

Now to the good news: 

You can absolutely change your beliefs, and by that change your reality. 

You don’t have to re-live your past over and over again.
It is in the past. It is done.
You live in the now. You cannot live in your past because it’s already over. 

So why retell that same old story and those old beliefs over and over again. 

Decide to let go of the old crap. You don’t need these limiting beliefs anymore. 

These statements are negative money beliefs you are holding on to.  

I call them money blocks. 

They prevent you from ever getting what you want.  

They are the reason you can’t afford whatever it is you woul like to have. A nice dinner, a trip to see your friends or family. Whatever it is. 

You are not aware of them, but they are what stop you from having the money you want, the relationships you want, the lifestyle you want. 

When you let go of your past and the negative beliefs around money, you will see abundance coming into your life in unexpected forms.

3. Practice Gratitude

Practicing gratitude, which means being happy and thankful for the good things you have right now, is a sure way to attract even better things into your life.

What you focus on is what you attract more of.

If you think now ‘…but I don’t have money, how can I be thankful for it?’, be thankful for something else. 

I’m sure you find plenty you can be thankful for right now. 

And if you want to go down the money route, why not be thankful that you now know how to change your money story by letting go of the old beliefs. 

If you want to learn more about it and why I use appreciation instead of gratitude you can go ahead and read more about it here:

Gratitude vs. Appreciation: The Subtle Difference That Makes You Wildly Successful 

4. Create A Dream Board That Actually Works

Having more money means being able to buy and experience what we want. It’s not always about money itself, it’s about the things we can purchase, and the feeling it gives us. 

The best way to attract them into your life—whether it’s actually money, your dream car, a certain house (or mansion), your dream relationship, whatever you want—is to surround yourself with it. 

You can do so by creating a dream board/vision board.

A vision board you see day in day out helps you to focus on what you truly want.  

Get creative and do yourself the favor of making a vision board/dream board. Here’s how: 

How To Create A Feng Shui Inspired Dream Board That Works Like A Charm (with template) 

5. Declutter – Less Is More

Everything around us affects us. This includes every item you possess. Every book, decorative items, paperwork, your clothes. Everything in your home affects you and your energy. 

If you don’t use the objects, if you don’t like them, or if they are broken, they draw energy from you.  

Do you still own things from ex-partners or gifts you received you don’t like but feel like you have to keep them? (That ugly vase your grandma gave you.)

Maybe it’s time to get rid of them. 

When I moved out of the house my sister and I inherited from our dad, I had to clear out things that belonged to us, but also belongings from our ancestors.

This house is more than 250 years old and there were a lot of items in the barn from I don’t know how many generations back. 

We sold them, we gave them away, we recycled them. It took us months. The last 10 days when I was cleaning the house by myself, I felt like I couldn’t take it any longer. The energy was so intense. 

But with every room I cleaned up—including going through my own belongings—I felt like invisible weights fell off my shoulders.  

I literally felt a lot lighter. When I moved into my new home, I decided that less is actually a lot more. I didn’t take a lot of stuff with me, and before I buy new stuff I constantly ask myself if I really need it, if it gives me joy and if I really want to have it around me. 

I know it can feel painful or hard to declutter but as I told you, you will feel a lot better afterward.

If you are overwhelmed, you can start by decluttering one drawer or one room. First, it might feel hard but it gets easier. I promise.

When you are decluttering your home and belongings, you should also do some Space And Energy Clearing. 

6. Dream Big

What if money was no issue at all? What would you like to do, have or be? 

Allow yourself to dream so big like you never did before. If you feel you can’t do it because it’s not realistic, you’re not worthy of it, or you will never make it happen anyways, do this: 

Imagine a fairy visits you and tells you by sprinkling her fairy dust around you, you can have whatever it is you want. 

What would it be? Take out a sheet of paper and let your imagination go wild. This is what I regularly do in my journaling practice (It has nothing to do with writing ‘Dear Diary…’, btw.). 

Journaling is a great way to change your money mindset and mindset in general. 

7. Set Big, Smart Goals

Once you know what you want you can not simply sit on your couch waiting for things to fall into your lap.

There’s a reason why there is this law called the Law of AttrACTION. You need to get active and creative to realize your dreams and your passion.

It’s the best thing you can do to figure out what your passion or your purpose is. It makes it a lot easier to attract things and money if you do what you love. Even though it sounds cliché, why waste your time doing work you don’t like when you can create a life you truly love and have abundance.

Here’s how to find out what your passion/your purpose is in only 5 minutes.

I figured out that my passion is to travel, coach and mentor, and to be able to work from anywhere in the world. If this is something that rings your bell, you will enjoy this post: How To Start Your Own Profitable Online Business 

After you found out what your passion is, you can then start outlining how you want to achieve it. Set goals accordingly, and always listen to your inner guidance for the next steps to take. 

Know your goals, write them down, so you know you’re on the right track, but don’t write endless to-do lists you won’t get done anyway. Because this will frustrate you.  

8. Start To Love Money

Finally, step number 8. Start to love money. Seriously. If you want to live in abundance and be wealthy beyond your wildest dreams, you’ve got to love money.  

And if you find yourself falling back into negative chatter in your mind or saying negative things about money, start again with step number 1. 

It won’t happen overnight that you will change your money mindset from a negative and limiting place to having an abundant, wealthy mindset. 

It is like peeling an onion. You pull one layer off, and the next layer appears.  

The same happens with your money mindset and mindset in general. If you do the mindset work, you will go deeper and deeper and release more hidden beliefs that don’t serve you, and you will start manifesting your dreams. 

And the more you do, the better your life and money situation becomes. 

Read my book Soul-Led: How to Follow Your Inner Compass to an Incredibly Fulfilling and Happy Life

All the best,
Christina ✨

Author of Soul-Led
Coach & Mentor for Soul-Led Business Owners

Christina, soul-led business clarity coach and author of Soul-Led

Christina

Christina is an online marketing and content strategist with more than 10 years of experience in SEO, website content, blogging, YouTube, Pinterest, and digital communication. She helps coaches and solopreneurs turn scattered content into a clearer, more discoverable online presence, so their ideal clients can find, understand, and trust them. Through content audits, strategy consultations, Pinterest and YouTube profile audits, she identifies what is working, what is missing, and which practical improvements to focus on next.

Read more about Christina →

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