3 Steps to Improving Your Money Mindset in 2026
Ask most U.K. residents what their biggest anxiety trigger is and they will say that it is money. Even the people who seem carefree and joyous will admit to how powerful money stress can be.
Persistent financial strain is manifesting in everyday lives.
Around 33 per cent of UK adults report experiencing financial anxiety on a daily basis, reflecting the emotional toll of managing rising costs alongside stagnant real incomes.
More than 4 in 10 adults who were borrowing more money or using more credit had high anxiety* 14% more than those not using credit. In this climate, many are forced to delay significant life milestones that were once taken for granted
Building a Better Relationship with Money Starts Here
How you feel about money and your financial situation can dramatically impact your health and happiness.
When you do this, you can reduce some of the stress that money causes and lets face it. If you can approach your financial situation with a more positive attitude, you might be able to make better decisions about managing money and your emotional connection will change, providing positive outcomes.
Here are 3 simple steps that you can do to shift your money mindset.
Gratitude
One step you can take to feel more positive about your financial situation is to feel more gratitude for what you do have. When you focus on what you presently have, you are less focused on what you do not have.
For example, if you are grateful for the car you drive, you will be less likely to want a new car. If you are thankful for the house you live in, you will be less likely to want to move into a different property. When you start feeling stressed about money, focus on gratitude.
Limiting beliefs
What are some thoughts or beliefs that you have about money?
For example, did you grow up hearing “the rich get richer and the poor get poorer” or “Money doesn’t grow on trees” or “Money is the root of all evil.”
These sayings are limiting. They do not give you a positive feeling about money but rather make it feel like a scarce commodity.
If you have limiting beliefs about money, consider where they came from and if they are true. Replace your limiting beliefs with empowering and positive statements like, “I am so grateful for all the money I have now” or “I embrace positive new beliefs about money.”
Take Small and Positive Action
A third way that you can begin to shift your mindset about money is to start making positive changes in small ways.
Start paying for things with cash/debit over credit.
Begin saving all of your loose change in a jar.
Buy used instead of new when you absolutely must buy something
Replace impulsive spending habits with good self-care habits.
You’ll begin to shift how you approach your finances and your mindset toward money. As you become more positive, your spending will change, and your stress level will lessen.
Next, you will take your mindset and lifestyle to a new level. These are simple steps to begin reducing your money stress to zero and enjoying life more. It is good to set your expectations, these shifts take time, so be patient with yourself.
Do not go alone, change isn’t easy. The first step is accepting you need to make changes. Consider your options to gain assistance and 1-2-1 support. There are various charities set up to help you manage your money and challenging debt or payment issues.
You can also consider the services of a financially focused life coach or an accountability group who will work with you to achieve your goals, unlock more potential and support your growth.
If this resonated with you, take a moment to like this post and share it with someone who is ready to feel more confident, calm and in control of their financial future.
We would also love to hear from you, comment with one small shift you are committing to make in your relationship with money this year, because clarity grows when intention is spoken.
Ladies (and men) if you are looking for a supportive space to continue learning, reflecting and building alongside other purpose-driven women, we invite you to join the conversation inside the group, where insight meets action and growth is a shared journey.
