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Whatever your circumstances are, it’s beneficial to have a certain mindset when it comes to money. I came across a quote the other day I thought was the perfect descriptor. It said: “I allow myself to have fun while taking care of my responsibilities.”

Managing money is not all fun and games, particularly when funds are limited. But, shifting your mindset—even just a bit—can help a ton! Here are some of my favorite tips.

Frame everything in gratitude.

This is helpful in all areas of life. There are so many benefits of gratitude… people who are grateful: sleep better, are sick less often, have increased self-esteem, are more optimistic, feel better, are more relaxed, are less envious, are kinder, have deeper/better relationships, are more productive, and the list goes on. Plus, it is impossible to be grateful and anxious at the same time.

Here are some tips to cultivate gratitude around your finances:

Start out by being grateful for what you already have.

Make a list of five things you are grateful for at the end of each day. Make sure at least one of those is centered around money (i.e. “I found a dollar in the parking lot,” “toothpaste was on sale at the store,” etc.).

Figure out how you feel about money and address any areas where there is resistance or negativity. It is entirely possible to go back and rewire our brains/reframe the conversation. And, it is worth it! Most of us have a lot of baggage around money that is not serving us well.

Believe in abundance.

You have to believe in what you want if you have any chance of ever achieving it. Abundance looks different to everyone. So, in order to believe and achieve it, first you’ll need to define it. What does it mean to you? And, what would that look like?

Gamify it, make it fun.

Money can be so stressful, boring, depressing—pick your adjective. But it doesn’t have to be. Make it fun! Participate in a “no-spend” challenge, make a game board to track your savings, use an app (like Fortune City or Beeminder).

Use cash.

The reason being, it’s really hard to overspend cash. Make a monthly budget, determining the amount you can/should spend on each thing. Then, utilize the “envelope system” (go ahead and Google it if you’re unfamiliar). The reason this method is so popular and effective is that it helps you visualize and maintain a budget. It makes money a real thing, instead of an elusive concept.

Limit temptation.

If you’re trying to save money, here are some tips that will help you avoid the temptation to spend:

Go to the grocery store less often.

Steer clear of your favorite online sites.

Ask your friend if they would mind meeting for a walk instead of lunch.

Invest in yourself, grow your wealth.

I market for more than 100 of the top financial firms in the country. No matter what your goals, I can find an option to meet your needs. It may seem counter-intuitive to invest when you don’t have a lot of discretionary income, or you’re still paying off debt. But, the way to grow true wealth is by allowing your money the time it needs to compound and grow. Meaning: the sooner you start the better!  If you’re curious about your options, you can book a free consultation call at https://ktfinances.com/book-session/ or send me a quick message online. My very favorite thing is acting as a sort of personal shopper, taking the guesswork out of investing, and helping people meet their goals. Let me see what I can do for you.

“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.”

~Ayn Rand

“A journey of a thousand miles must begin with a single step.”

~Lao Tzu

Mindset is the place to start. Try implementing some of these tips and see what a difference they make! And, don’t forget to check in and let me know how I can cheer you on or how it goes.

For more money management and wealth-building tips, you can also find me on

Facebook (https://www.facebook.com/KTfinances/),

You Tube (https://www.youtube.com/channel/UCrHa6eCIvFfDD1tINGnJu6A),

and Instagram (https://www.instagram.com/ktfinances/).

Lots of light, love, and financial wisdom,