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How to Change Your Mindset About Money in 5 Steps: Step 3 - Make Small Adjustments

Updated: May 11

woman working on her finances

Introduction: Change is not usually easy, and changing your money mindset isn’t an exception. Making adjustments that are easily actionable and easy to adhere to are the key to success. It’s important to avoid making adjustments that you won’t be able to stick to.

Adjust Your Routine: Analyzing your spending and recognizing your habits can uncover simple things to change. Do you have a daily coffee or other habit that you can reduce? Can you extend your hair or nail appointments by a couple of days?

Track Your Spending: Keeping tabs on where your money goes helps identify areas where you can cut back. There are apps you can use, or you can create a spreadsheet. This often uncovers unnecessary subscriptions or expenses you didn’t realize were so high.

Create a Budget / Keep an Eye on Cash Flow: Paying attention to your income and expenses over time and understanding where you have ebbs and flows can help you see opportunities for saving or reducing.  

Practice Mindful Spending: Before making a purchase, pause and ask yourself if it aligns with your goals. If you find yourself shopping for an endorphin rush on a bad day, recognize it and back away. Practicing mindful spending can help limit impulse buys and encourage more intentional use of your money.

Automate Savings and Payments: Set up automatic transfers to your savings account and automate bill payments to ensure you’re consistent with saving money and staying on top of your bills. Automation can also remove the temptation to spend impulsively.

Conclusion: Changing your money mindset is a journey that requires patience, discipline, and self-awareness. By making small, actionable adjustments to your daily routine and spending habits, you can gradually shift your perspective and take control of your financial future. Remember, it's okay to start small and progress at your own pace. Celebrate your successes along the way and stay committed to your financial goals. With dedication and perseverance, you'll be well on your way to achieving financial clarity.


This post is general education - not mental health, financial, tax, or legal advice.

Linda Grizely is a Motivational Speaker, Financial Planner, and Mindset Mentor & Coach. Linda is the founder of Mindset and Money, a business with a mission to guide and empower women in transforming their money mindset and unlocking their potential. She’s cultivating a community where people embrace profound shifts in perspective for a transformed and empowered future. Want to learn more about how to change your mindset about money? Start with a short quiz.


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