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90 Money Mindset Journal Prompts To Help You Understand Your Relationship With Money

Money is an integral part of our lives, yet many of us struggle with our relationship with it.

Our mindset and beliefs about money can have a significant impact on our lives, influencing our financial decisions, career paths, and even our overall happiness and well-being.

Understanding your money mindset is a crucial first step towards creating a healthy, positive, and abundant relationship with money.

By exploring your beliefs and attitudes towards money through journaling and positive affirmations, you can begin to shift your mindset towards abundance and growth.

In this article, we will explore a variety of open-ended questions that we use as money mindset journal prompts to help you understand your relationship with money.

We’ll also discuss how journaling can help you shift your mindset towards abundance and provide some strategies for healing your money mindset.

So grab a notebook, set aside some time for reflection, and let’s get started on the journey towards a healthier and more positive relationship with money.

Key Takeaways

  • Money mindset refers to our beliefs and attitudes towards money that can significantly impact our financial decisions, career paths, and overall well-being.
  • Understanding and reflecting on our money mindset is crucial for creating a healthy, positive, and abundant relationship with money.
  • Journaling about money through open-ended prompts can help identify limiting beliefs and negative thought patterns, and shift mindset towards abundance and growth.
  • Healing our money mindset takes time and effort, including identifying limiting beliefs, challenging them, practicing gratitude, visualizing ideal financial life, and taking action towards financial goals.

What Is A Money Mindset?

Your money mindset is the set of beliefs and attitudes you have about money that influences how you think, feel, and act about it. It’s the lens through which you view money and the world around you.

For some people, a money mindset might be positive, abundant, and growth-oriented.

They might believe that money is a tool that can help them create the life they want, and they might have a healthy relationship with it.

On the other hand, some people might have a negative, scarcity-based money mindset.

They might believe that money is scarce, difficult to come by, or that it’s something to be feared or avoided.

This kind of mindset can hold you back from reaching your financial goals and can even create stress and anxiety around money.

Why Is Understanding Our Money Mindset Important?

It’s important to understand your money mindset because it can impact your financial decisions, your relationship with money, and your overall well-being.

By taking the time to reflect on your money mindset, you can begin to identify any limiting beliefs, money blocks, or limiting attitudes that might be holding you back, and work on changing them.

You may fall into the trap of thinking that money mindset is only for wealthy people, or that money mindset is only for people who are of a particular financial class, but the truth is, whether have $1, $10k, or a million dollars in your bank account, we all have a money mindset.

How Does Journaling Help Your Money Mindset?

Journaling is a great way to start working on your money mindset.

It’s a simple, yet powerful practice that can help you understand your thought processes, beliefs, and attitudes towards money.

By taking the time to reflect on your relationship with money, you can identify any limiting beliefs or negative thought patterns that might be holding you back from creating the life you dream of.

The first thing to understand is that mindset work takes time.

It’s not something that can be changed overnight, but by making a consistent effort to reflect on your beliefs and attitudes towards money, you can begin to make progress towards creating a healthier relationship with it.

Journaling is a good idea because it allows you to slow down and really examine your thoughts and feelings around money.

You might not even realize how much your beliefs about money are impacting your life and your decisions until you take the time to write about it.

By journaling about money, you can start to identify patterns in your thought processes and beliefs that might be holding you back.

For example, you might notice that you have a fear of not having enough money, or that you believe that making a lot of money is difficult or impossible.

Once you start to identify these patterns, you can begin to challenge them and work on changing your belief system.

This is where the real transformation can happen.

By shifting your mindset to one that is more positive, abundant, and growth-oriented, you can begin to create the life you dream of.

Money Mindset Journal Prompts

Are you ready to start exploring your relationship with money?

Use these journal writing prompts to dive deep and uncover your beliefs and attitudes towards money.

Remember, there are no right or wrong answers, so don’t be afraid to be honest and vulnerable with yourself.

1 – Describe your relationship with money.

2 – What is the earliest memory you have of money?

3 – What is the money story from your childhood?

4 – Who taught you about money?

5 – When you hold money in your hand, how do you feel?

6 – When you look at the balance of your bank account, how do you feel?

7 – What does it look like to not have ‘enough’ money?

8 – Is it possible to have too much money?

9 – What would it look like to live a rich life?

10 – Do you believe there is an endless supply of money?

11 – Why do you feel you are in your current financial situation?

12 – Do you want to change your current financial situation? Why?

13 – What would your life look like if you didn’t have to worry about money?

14 – What is your biggest money ‘worry’ right now?

15 – Describe your most memorable money experience.

16 – Has anyone ever made you feel not ‘good enough’ because of money? Describe that situation. 

17 – What are your current financial goals?

18 – What financial goals have you had in the past that you have achieved?

19 – How do you feel when people start talking about money?

20 – What is the biggest money lesson you’ve learned?

21 – How would you like to feel about money?

22 – Do you like money? Do you think money is good or bad?

23 – Do you believe that having more money changes people? If so, how?

24 – Do you feel confident with your understanding of your current money situation? 

25 – Do you feel worthy of an abundance of money?

26 – If I had enough money, I would no longer…

27 – If you received an unexpected deposit of $10,000 into your account, how would that make you feel, and what would you do with it?

28 – Describe a day in your life where you felt rich and abundant.

29 – What is the least helpful piece of money advice you’ve ever been given?

30 – What words do you use to describe money, your financial situation, and the way you use money?

31 – What does financial freedom look like to you?

32 – What amount of money would you need to have in your bank account to feel financially secure?

33 – What past experiences can you recall where you felt paralyzed by financial struggles?

34 – What are your current money goals? (What are you doing to achieve them?)

35 – Describe a time when you felt a scarcity mindset and found it difficult to move past.

36 – What negative thoughts do you have about money?

37 – What does ‘financial abundance’ look like or feel like for you?

38 – Write a letter to your future self about your financial goals and what you want to achieve.

39 – What kind of relationship would you like to have with money?

40 – Who has made most of the financial decisions in your life? How do you go about making financial decisions?

41 – What is the best piece of advice you’ve ever been given in relation to money?

42 – What does ‘financial success’ look like or mean to you?

43 – Do you have student loan debt? If so, how do you feel about it?

44 – Do you believe you can do the kind of work that makes you happy while also earning money and securing your financial future?

45 – What are your personal finance goals (the ‘just for you’ goals)?

46 – How do you handle it when an extra cost arises, or when you have an unexpected expense?

47 – What financial beliefs did you have previously but now understand is not the truth?

48 – What do you believe your earning potential is? How much money do you think you can earn in a year?

49 – What are some of your positive financial achievements?

50 – What is your earliest memory of money? How does it make you feel?

51 – What is the largest sum of money you’ve ever had in your account at one time? How did that make you feel?

52 – What is your relationship with your credit card like?

53 – What do you need right now to live an abundant life?

54 – What is your favorite thing about money?

55 – What do you believe is the purpose of money?

56 – What is your biggest fear when it comes to your finances?

57 – What do you believe you need to do in order to have a healthy relationship with money?

58 – What is the most extravagant thing you’ve ever bought? How did it make you feel?

59 – Describe a time when you felt financially free. How did that feel?

60 – What is your biggest financial regret, and what did you learn from it?

61 – Write a letter to your past self about your financial choices. What advice would you give yourself?

62 -If you had to describe your relationship with money in one word, what would it be?

63 – How do you measure financial success in your life?

64 – Have you ever experienced a sudden change in your financial situation, such as a loss of income or unexpected windfall? How did that impact your mindset and behavior around money?

65 – What is your attitude towards debt, and how has it shaped your financial decisions?

66 – What is the biggest money mistake you’ve ever made, and what did you learn from it?

67 – If money were no object, what would you do with your life? How would you spend your time?

68 – How do you feel about asking for a raise or negotiating a salary increase? Have you ever done it before?

69 – How does your cultural background or upbringing influence your relationship with money?

70 – Write a story or scenario about your ideal day in your dream financial life. What does it look like?

71 – Describe a time when you felt shame or guilt around money. What triggered those emotions, and how did you respond?

72 – If you could go back in time and give your younger self financial advice, what would you say?

73 – Have you ever experienced imposter syndrome or felt like you didn’t deserve the money you earned or received? When and why did you feel this way?

74 – Describe a time when you took a financial risk. What was the outcome, and how did it make you feel?

75 – What financial support or resources do you wish you had access to when you were younger or starting out?

78 – How do you feel about budgeting and tracking your expenses? What are your current budgeting habits, and do they work for you?

79 – What does ‘generosity’ mean to you, and how does it fit into your financial mindset?

80 – Describe a time when you gave money to someone in need or contributed to a charity. How did it make you feel?

81 – What is your definition of financial independence, and what would it take for you to achieve it?

82 – Write a list of things you are grateful for that money has provided you with.

83 – If you could teach a financial literacy course, what would you include in the curriculum?

84 – What is the most expensive thing you’ve ever bought? Was it worth the cost, and why?

85 – Write a list of your top financial priorities and the steps you are taking to achieve them.

86 – Have you ever compared your financial situation to someone else’s and felt envious or inferior? How did you cope with those feelings?

87 – What do you think is the most common misconception people have about money?

88 – How does your mindset change when you are in a financial emergency or crisis? How do you cope with those situations?

89 – What role does planning and goal-setting play in your financial life, and how do you approach it?

90 – Describe a time when you had to say no to a financial opportunity or temptation. How did you handle it?

How Do I Heal My Money Mindset?

Healing your money mindset is a process that takes time and effort, but it’s definitely worth it.

By doing the work to shift your mindset to a more positive, abundant, and growth-oriented place, you can create the life you dream of and live with greater financial freedom and confidence.

Here are some strategies you can use to heal your money mindset:

Identify Your Limiting Beliefs

The first step is to identify the limiting beliefs or negative thought patterns that might be holding you back. This can be done through reflection, journaling, or working with a coach or therapist.

Challenge Your Beliefs

Once you’ve identified your limiting beliefs, the next step is to challenge them.

Ask yourself if they are true, and look for evidence that contradicts them. This can help you shift your mindset to a more positive and growth-oriented place.

Practice Gratitude

Gratitude is a powerful tool for shifting your mindset. By focusing on what you have and what you are grateful for, you can begin to shift your mindset from one of scarcity to one of abundance.

Visualize Your Ideal Financial Life

Visualization is a powerful tool for manifesting your dreams.

Take some time to visualize what your ideal financial life looks like, and really immerse yourself in the feelings and emotions associated with it.

Take Action

Finally, it’s important to take action towards your financial goals.

This can be as simple as setting a budget, paying off debt, or increasing your savings.

By taking action, you can build momentum and create a positive feedback loop that reinforces your new mindset.

Remember, healing your money mindset is a journey, not a destination. It takes time and effort, but with persistence and patience, you can create the life you dream of and live with greater financial freedom and confidence.

Money Mindset Affirmations

Positive affirmations can be a powerful tool for shifting your mindset and developing an abundance mindset.

By repeating these money-loving affirmations regularly, you can train your mind to focus on positivity, abundance, and growth.

To get started, try incorporating these daily affirmations into your money journaling practice:

  • I am worthy of financial abundance and success.
  • Money flows to me easily and effortlessly.
  • I am grateful for the abundance in my life.
  • I release any negative beliefs or thought patterns about money.
  • I am confident in my ability to make and manage money.
  • I am open to receiving money and opportunities.
  • My income is constantly increasing.
  • I am worthy of having financial freedom and security.
  • Money is a tool that helps me create the life I want.
  • I trust that the universe is working in my favor and providing me with all that I need.

By incorporating these positive affirmations into your daily routine, you can start to shift your mindset towards abundance and away from scarcity.

Remember, the more you repeat these affirmations, the more powerful they become, so make sure to practice them regularly.

Final Thoughts

Your relationship with money is a reflection of your mindset and beliefs, and it can have a significant impact on your life.

By taking the time to reflect on your money mindset and exploring your beliefs and attitudes towards money, you can begin to make progress towards creating a healthier and more positive relationship with it.

Journaling can be a powerful tool for exploring your money mindset and identifying any limiting beliefs or negative thought patterns that might be holding you back.

By using journaling prompts and positive affirmations, you can train your mind to focus on abundance and growth.

Remember, healing your money mindset is a journey, not a destination. It takes time and effort, but with persistence and patience, you can create the life you dream of and live with greater financial freedom and confidence.

So start today, grab a notebook, and begin exploring your relationship with money. You deserve a healthy, positive, and abundant money mindset.

Krystal Kleidon – Owner, Writer, Yarn Lover

Krystal is a thirty-something (heavy on the something) professional word chef, who is fiercely passionate about empowering women, growing their confidence, and giving them the tools to better understand themselves.

She’s a wife to a super hot hubby, mom to two crazy kiddos, Paramedic with a black belt in Taekwondo, and a somewhat unhealthy yarn addiction.

Disclosure: This site may contain affiliate links. As an Amazon Associate, I earn from qualifying purchases.
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