Have you ever felt like no matter how hard you try, money just slips through your fingers—or never flows in to begin with? You’re not alone. The real problem might not be your income or your spending… it could be your mindset. In this article, I’ll walk you through the hidden beliefs that quietly shape your financial reality. These “money blocks” are more common than you think—and totally shiftable once you see them for what they are. Let’s unpack them together and explore how to break free and start thinking (and earning) in a whole new way.
It’s Not Just About the Money, It’s About What You Believe
For the longest time, I thought my struggles with money were just about, well… money. Not enough coming in, too much going out. Simple, right? But the more I worked on my finances, the more I realised it wasn’t just about numbers on a spreadsheet. It was about the stories I was telling myself—quietly, constantly, and often without realising it.
You see, most of us pick up money beliefs before we even know what money is. Maybe you grew up hearing things like “money doesn’t grow on trees,” or “rich people are greedy,” or “we can’t afford that.” These phrases sound innocent, but they dig deep into our subconscious and shape how we view wealth as adults.
I used to believe that wanting more money made me selfish. Or that success would alienate me from the people I love. Those beliefs created invisible walls I couldn’t see—but they were definitely there. They stopped me from asking for raises, from charging what my work was worth, and from pursuing opportunities that felt too big for someone like me.
And the tricky part? These beliefs hide behind “logic.” You tell yourself you’re just being realistic, cautious, humble. But really, your mindset is quietly running the show—keeping you safe, but also stuck.
When I finally started questioning those beliefs, it felt like a lightbulb moment. I asked myself: Where did this belief come from? Is it even true? Who would I be without it? And let me tell you, those questions cracked open a whole new way of seeing things.
Understanding that money blocks are mindset issues isn’t about blaming yourself. It’s about empowering yourself. Because if your thoughts helped build the wall, your thoughts can help tear it down.
So if you’ve ever felt like no matter what you do, your income doesn’t change—or you somehow sabotage every step forward—don’t just look at your finances. Look inward. Your beliefs might be the real bottleneck, not your budget.
The Most Common Money Blocks (And How to Spot Yours)
Once I realised my mindset was getting in the way of my money goals, I started looking for the specific blocks holding me back. And wow—there were more than I expected! The truth is, money blocks can show up in sneaky ways. They often sound like facts or reasonable thoughts, but really, they’re old fears wearing a clever disguise.
One of the biggest blocks I had was feeling guilty about making more than others. I worried that earning more would somehow mean I was greedy or that I’d lose friends who might judge me. Another was the belief that money only comes through hard struggle. So if things started flowing easily, I’d self-sabotage without even realising it—because my brain was screaming, “This is too easy! Something must be wrong!”
Here are a few of the most common money blocks I’ve seen—not just in myself, but in nearly everyone I talk to about this:
- “I don’t deserve to be wealthy.”
- “If I get rich, I’ll lose my values.”
- “There’s never enough to go around.”
- “I’m just bad with money.”
- “Rich people aren’t happy.”
Sound familiar? These beliefs can feel so “true” that we stop questioning them. But here’s a gentle nudge: just because something feels true doesn’t mean it is true. Sometimes it’s just something you heard so many times, your brain filed it under “facts.”
A simple way to spot your money blocks is this: take out a notebook and finish this sentence without overthinking it—“Money is…” Just write whatever comes to mind, as many times as you want. Then read it back and look for patterns. Are your answers filled with fear, stress, guilt, or resentment? If so, you’ve found a starting point.
Awareness is the first step. You can’t change what you won’t face. And the good news? Once you name your blocks, you can start loosening their grip.
Up next, I’ll show you how these beliefs don’t just stay in your head—they shape your reality in very real ways.
Why Your Mindset Drives Your Financial Reality
I used to think mindset work was fluffy stuff—like lighting candles and repeating “I’m abundant” while hoping a check would magically appear in the mail. But after working through my own blocks and coaching others through theirs, I’ve learned something powerful: your mindset isn’t just a vibe. It’s a blueprint for how you experience money in real life.
Think of it like this—your beliefs shape your thoughts. Your thoughts influence your choices. And your choices create your results. Simple, right? But here’s where it gets real: if you secretly believe that you’re not good with money, you’ll unconsciously make choices that prove that belief true. You’ll avoid looking at your bank account, forget to send invoices, or undercharge your services. And all the while, you’ll say, “See? I just can’t manage money.”
That’s the trap. Your mindset isn’t just internal—it drives everything external.
Let’s say you have a deep-rooted belief that money causes conflict. Maybe you saw arguments about bills growing up, or you had a bad experience where money strained a relationship. So now, as an adult, you keep your income low or your ambitions small—not because you have to, but because some part of you is trying to keep things peaceful.
Or maybe you believe you have to hustle endlessly to deserve success. So even when you’re doing well, you can’t relax. You grind yourself into burnout, thinking that slowing down means the money will stop. That belief creates a life that’s not just financially limiting—it’s emotionally exhausting.
Here’s what changed for me: I realised that the patterns I was calling “bad luck” or “just how life is” were really just reflections of what I believed was possible.
When I began shifting my thoughts—from scarcity to enoughness, from guilt to worthiness—my behaviour changed. I started showing up differently, asking for more, saying yes to opportunities I once ignored. And guess what? My financial reality shifted, too.
You don’t need to be perfect or fearless. But when your inner world begins to align with abundance, your outer world starts to mirror it. That’s the real magic.
Next, let’s dig into how to make that shift last—starting with some practical tools you can use right now.
Breaking the Cycle: Rewiring Your Mind for Wealth
Once I realised that my money issues were actually mindset issues, I knew I had to do more than just understand them—I had to change them. And let me be honest: this part takes some patience. You don’t flip a switch and suddenly feel like a millionaire. But with consistent effort, you can rewire your thinking—and when that changes, so does everything else.
The first step for me was awareness. I started writing down every unhelpful thought I had about money. Things like, “I’ll never be good with finances” or “I can’t charge that much.” Seeing those thoughts on paper was eye-opening. They sounded so harsh! I’d never speak to a friend that way—so why was I doing it to myself?
Then came affirmations—but not the cheesy kind. I created statements that felt believable yet expansive, like “I’m learning to manage my money with confidence,” or “It’s safe for me to grow my wealth.” I’d repeat these while walking or journaling. At first, it felt awkward, but over time, those new beliefs started to feel more natural.
Another game-changer? Visualisation. I’d spend a few minutes each day picturing the version of me who had a healthy, abundant relationship with money. What was she doing? How was she feeling? Visualising helped train my brain to see wealth as safe, normal, and doable.
I also started setting small financial goals—and celebrating them. Whether it was saving an extra €50 or asking for a fairer rate, each tiny win built my confidence and made abundance feel less distant and more real.
And here’s something important: I let go of perfection. You’re allowed to have wobbly moments. I still catch myself falling into old patterns sometimes. But now I have tools—and more importantly, awareness. That alone changes everything.
If you’re feeling stuck, I want you to know this: you’re not broken. You’ve just been running an old program. And the beautiful part? You get to rewrite it. Not all at once, but little by little, belief by belief.
Your wealth journey starts in your mind. And you are absolutely capable of breaking the cycle—for good.
At the end of the day, your money story isn’t set in stone—it’s written in your mindset. Those old beliefs? They’re just habits of thought, and you have the power to change them. By getting curious, rewriting your inner script, and taking small steps toward abundance, you can shift from struggle to flow. I’ve done it, and I know you can too. Your financial future starts with what you choose to believe today. So why not choose growth, ease, and the freedom that comes from a new money mindset?