How I Shifted My Money Mindset and Stopped Feeling Broke

This shift in my money mindset changed everything. I used to think I was just bad with money. Bad at saving. Bad at sticking to a budget. Bad at remembering which bill came out of which paycheck.

But what I didn’t realize was—I wasn’t just broke. I was burnt out, emotionally exhausted, and carrying around some really old stories about what money meant.

And it all came crashing down over a $12 phone charger.

It Wasn’t About the Charger

I was standing in a checkout line, debating whether to buy a charger I clearly needed—but somehow, I couldn’t justify the $12. I’d spent more on takeout three nights earlier. But this felt different. This one felt like a failure.

That’s the thing about money mindset: it hides in the small decisions.

Money Shame Is Quiet and Sneaky

It shows up when you:

• Apologize for wanting to travel
• Feel guilty about charging your worth as a freelancer
• Sabotage savings goals because deep down, you don’t believe you’ll stick to them

I wasn’t lazy. I wasn’t careless. I just believed that money had to be hard.

The Mindset Shift That Changed Everything

I started tracking my thoughts around money. I downloaded Notion and built a money journal dashboard. I used Rocket Money to find surprise charges. I switched to Chime for simplicity. And I started reading The Psychology of Money during lunch breaks.

If you’re just starting out, here’s how I created a beginner-friendly budget.

📬 Ready to Start Your Reset?

Get the free Beelinger Starter Kit with a mindset worksheet, spending tracker, and budget planner—no shame required.

✅ TL;DR:

• Most money stress is emotional, not mathematical
• Track your thoughts, not just transactions
• Use tools like Notion, Rocket Money, and Chime to simplify
• Download the Starter Kit and start your reset today