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Procrastinator. Borrower. Complainer. Excuse maker. Undisciplined. Lazy. Materialistic. 

These were all words that described me not too long ago.  I borrowed money and didn’t pay it back.  I shopped like my life depended on it.  I complained day in and day out about my financial situation but never did anything to change.  I made excuses for my behavior and blamed everyone but myself.  I lived paycheck to paycheck.  I tried to budget multiple times, only to give up after a week of trying (not giving it 100%).  The bottom line is that I used to be super terrible with how I thought about and operated with money.  This led to so much pain and heartache and got me into some deep mess financially (it impacted other areas of my life as well).

It wasn’t until I took responsibility and started recognizing how my thoughts were keeping me in bondage that I decided I was tired of living that way.  I no longer wanted to lead a miserable life that would ultimately be the death of me.  Once I recognized which thoughts were detrimental to me, I started changing them little by little with speaking more positively about my finances, regardless of how messed up they were at the time.  All along, it was my poverty mindset holding me back.

By changing your mindset you can literally change your life.  Your financial situation is shaped by how you think about money, which influences how you manage your money.  Guess what?  If you keeping crying that you’re broke, you’re going to remain that way.  All you are doing is reinforcing that into the universe.  It’s imperative that you get a grip on this way of thinking and behaving, or else you’ll end up where I once was (if not already there).


“Impoverished people live for the moment while wealthy people are always investing in their future.”


One of the most common mindsets out there is one of poverty.  I know what you’re probably thinking, “I’m not poor!” But this mindset goes far beyond what’s physically in your pockets.  It may manifest in how jealous you get when you see someone doing well.  It may manifest in the way you believe that money is the root of all evil and that rich people are terrible human beings.  It may show up in your laziness and unwillingness to get off of the couch and do something to change your situation.  It may rear its head in the way you complain about your job on a daily basis OR how you remain content with not advancing in your career.  It may be the way you blame everyone else but yourself for what’s going on in your life.

This is what may be keeping you broke and impoverished.  If you possess a poverty state of mind, then you’re thinking, feeling, and behaving based off of what you don’t have.  You worry about what you are lacking instead of being grateful for what you do.  This my dear will not get you very far in life so let’s change that, K?


I want to share with you 6 ways that you can break free from a poverty mindset and start shifting into prosperity, peace, happiness, and freedom.  Because you have started to recognize how your mindset plays into your financial situation and other areas of your life, you can now start working on putting these actionable steps to good use.  You have to stop playing the victim and make the decision that you are going to make lasting changes for a brighter future.  It’s time that you rise up from the very mindset that is keeping you broke.  You ready or nah?

Take out the trash.  

If you really want to see change happen in your life, then you’re going to have to do some spring cleaning.  You know Negative Nancy and Debbie Downer that you’ve been hanging with?  It’s time to get rid of them.  You are the company you keep, and believe it or not, the people we hang around have influence on how we think and behave.  You literally become who you spend the most time with.

Take inventory of the people in your life and be honest with yourself.  Is this person always complaining?  Are they encouraging and supportive?  Always making excuses and blaming others for their situations?  Are they lazy or are they working towards becoming a better person?  Make a list of those people who don’t fit the criteria of how you want to be.  Find some people that embody how you would like to be one day and get to know them.  Being around these people will push you to want better for yourself.  Ultimately, you have to make sure your squad is full of happiness, love, support, positivity, and prosperity.

Fake it until you make it.  

In order to get to where you want to be, you’re going to have to do a little faking.  You know how earlier I said that I started speaking positively, even when my finances were still a complete wreck?  Yep, you have to speak on what it is that you want.  You have to believe that you deserve more out of life than what you’ve had up until this point.  You have to be confident in your ability to become prosperous.  Try this: create at least one mantra that you can repeat to yourself on a daily basis.  Make it a habit to do this.  Need some help coming up with one?  Check out these money affirmations and use one of these if you need to.

Once you change your language, your actions will start to follow.  You’ll be breaking old habits and creating new, positive ones.  How awesome is that?  See how powerful your mind is?

Get educated.

One of the main reasons why people struggle so much with their finances is because they don’t take the time out to educate themselves and increase their financial literacy.  Having the knowledge you need to make wiser financial decisions makes all the difference.  A lot of people weren’t taught this stuff at an early age, but you can’t keep using that as an excuse bruh.  As an adult, you should be seeking as much knowledge as you can (not just about finances) and grow as a result of that knowledge.

You can start in the comfort of your own home just by using Google.  There are a ton of free resources that you can utilize to increase your financial literacy and ability to manage your finances with ease.  Additionally, you can always hire a financial advisor or coach that could assist you with breaking free from bondage.  This is actually ideal because you’ll get the accountability that you need to succeed.

Set the right goals.

How many times have you set goals only to forget about them almost instantly?  If the goals that you set don’t push you to actually take action on achieving those goals, then you don’t have the right goals.  Your goals (larger ones) should create a clear vision for you and outline what it’s going to take for you to get there (smaller ones).  Your goals should inspire you.  When thinking about your goals, make sure you are setting aside time for the process and not rushing anything. Allow yourself to dream big.  Go hard or go home!  You can’t keep living for the moment and walking blindly through life.  That sounds insane right?  In order for change to happen, you have to envision that change first.  You owe it to yourself; remember, you’re deserving of having the desires of your heart.

Recognize your power and control and accept your responsibility.  

You have to stop blaming everyone for your actions and recognize that you are in control of what happens in your life. Accepting responsibility means that you have to kick that lazy and procrastinating spirit to the curb and doing what you need to do to change your financial situation.  It’s up to you to shift that poverty mindset and do the work.  It’s not on anyone else.  The sooner that you start realizing this, the sooner you can start seeing real results.

Stop spending all of your money.

I know it may be hard, but it’s as simple as this: stop spending everything that you have.

It doesn’t matter if you’re making $20K or $500K per year, if you don’t know how to manage your finances and save, you will never be able to build wealth.  It’s not about how much you make, but about how much you keep. Think about it: if you were to win the lottery for one million dollars yet had the same poverty mindset, I guarantee that you would be broke again.  It would just be a matter of time.  You can always start small, money adds up over time!  Just allow yourself to get into the habit of putting something away and you’ll break those old habits little by little. Learning how to save money is the most important thing that you need to do if you want to be in control and successful with your finances.

The most important way that you can shift your attitude is by taking action.  Reading this blog alone won’t do it for you.  You have to desire more for yourself and put in blood, sweat, and tears to make sure you get there.  That poverty mindset won’t get you anywhere in life and I know that you want more, so go out there and get what you deserve.

Now let’s talk about it.  Are you guilty of having a poverty mindset at some point in your life? Sound off in the comments, I wanna hear from you!

P.S. If you thought that this was insanely awesome or made you think about someone that you know, please share this with them!