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A No BS Guide to Money Mindset Shifts That Actually Change Your Financial Situation

Writer's picture: Karen GargisoKaren Gargiso

In recent years, the phrase “money mindset” has been thrown around so much, it’s starting to lose its meaning.


If you’ve ever tried journaling “positive thoughts,” repeating abundance affirmations, or energetically “calling in more money” without seeing tangible results, you’re not alone. It’s frustrating to do all the things Instagram girlies suggest, because it helped them “manifest a new car” only to find your financial reality hasn’t shifted in the slightest.

And here’s why: thinking “abundantly” is only part of the picture when it comes to money mindset shifts and actually changing your financial situation.


At Sacred Money Inc., we know that mindset plays a huge role in your financial journey, but it can often not work because it’s being used as a band aid for a bigger problem. 

Money isn’t just about numbers—it’s about energy. The way you think, feel, and respond to your finances can either support your growth or keep you stuck in patterns of avoidance, fear, or stress.


Mindset work alone isn’t enough to radically change your financial reality.

Journaling affirmations will keep you confined to playing in your comfort zone. You need money practices that will stretch you because the more you are stretched, the more capacity you build to hold money.


To truly shift your relationship with money, you need to blend money mindset with money management practices. It’s the sweet spot where inner healing meets actionable strategy—and that’s where the magic happens.



Why Your Financial Reality Hasn’t Shifted Yet


Let’s break this down. If you’ve been putting all your energy into thinking positively about money without addressing:

  • Your emotional blocks around finances

  • Practical habits that directly impact your cash flow

  • Clear, aligned revenue strategies…


You’re essentially building a house on a shaky foundation.


As a result, you’re staying stuck in the same cycle, wondering why no amount of manifestation techniques will work. But you’re not alone. Most of us weren’t taught how to have a healthy relationship with money. That’s where money healing and intentional action come in.



5 Practices for Transforming Your Relationship with Money and Creating Money Mindset Shifts


Ready to take a more aligned approach to your finances? Here are five simple but powerful practices to shift both your money mindset and your money management habits:


1. Create a Weekly Money Date

Your relationship with money deserves time and attention. Once a week, schedule a “money date” with yourself to review your accounts, plan for upcoming expenses, and check in with your financial goals.

Make it feel sacred: light a candle, put on your favorite playlist, and approach the process with curiosity and gratitude instead of judgment. Over time, this practice can help you feel more connected to your finances and less overwhelmed by them.


2. Track Your Financial Wins

One of the quickest ways to shift your money mindset is to focus on abundance instead of lack. Keep a running list of every financial win, no matter how small. Did you land a new client? Find $10 in an old jacket pocket? Receive an unexpected refund? Write it down.

This practice helps rewire your brain to notice opportunities and positive money experiences instead of obsessing over what’s missing.


3. Practice Gratitude for Money

Gratitude is one of the most powerful tools for shifting your energy. Take a moment every day to thank the money you do have in your life. Maybe it’s gratitude for a paycheck that allows you to cover your needs, or appreciation for the ease and clarity a budgeting tool brings to your financial planning.

When you start viewing money as a supportive resource instead of a source of stress, your relationship with it begins to transform.



4. Journal Through Limiting Beliefs


We all have stories about money, many of them rooted in fear, scarcity, or self-doubt. The key to rewriting your financial reality is identifying these beliefs and challenging them.


Grab a journal and ask yourself:

  • What fears or doubts keep coming up when I think about money?

  • What beliefs about money did I inherit from my family or past experiences?


Once you’ve identified these limiting beliefs, rewrite them as empowering truths. For example:

  • “I’ll never make enough” becomes “I have the capacity to attract and manage wealth with ease.”

  • “I’m bad with money” becomes “I am learning how to create a healthy and abundant financial life.”


5. Set Clear Revenue Goals with Action Plans

It’s one thing to dream of more money, it’s another to take aligned action toward creating it. Start by setting clear revenue goals for the year. Be specific: what number feels both exciting and achievable?


Then, map out the steps to get there. Which services, products, or offerings feel aligned with this goal? What’s historically worked well for your business? When you combine clarity with actionable strategies, you create a roadmap for financial success.


The Magic Happens When Money Healing Meets Money Management

When it comes to money, it’s not either/or, it’s both/and. You need to do the inner healing work while also showing up for the practical, actionable side of managing your finances.


Money isn’t just numbers on a spreadsheet. It’s energy, intention, and strategy working together to create expansion.

This new year, ask yourself:

  • How can I heal my relationship with money?

  • What small but meaningful actions can I take today to align with my financial goals?


The answers might just be the breakthrough you’ve been looking for.





Photo of Karen Gargiso on the sidewalk in front of a cafe wearing a colorful floral floor length dress smiling at the camera.

Hey there! I’m Karen.


I'm the Founder & CEO of Sacred Money Inc., where I empower spiritually-minded entrepreneurs to heal their financial wounds and manage their money with confidence and grace.


We offer a unique blend of practical financial expertise, including bookkeeping and tax services, with trauma-informed coaching.


My work is here to guide you toward financial resilience and abundance. I'm passionate about transforming the way we think about money and integrating it with our values, pleasures, and spiritual practices.



Ready for Financial Empowerment?


If you’d like a 1:1 consultation to help you navigate your current financial budget and begin designing an actionable plan to better your relationship with money, schedule a Discovery Call with us.





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