5 Money Beliefs That Are Holding You Back
John Csiszar Mon, February 8
When it comes to financial planning, it’s easy to sabotage your own success. Between constantly rising bills and expenses and the omnipresence of the American “buy-now” culture, it can be hard to set aside money for things like emergency funds and retirement savings. Add to that the very human tendency to have self-defeating money beliefs, and it’s easy to find yourself adrift financially.
The good news is that saving and investing doesn’t have to be complicated. In fact, if you can talk yourself out of some of the most counterproductive money beliefs, you’ll find yourself on the path to success in no time. Here’s a look at some of the most common self-defeating financial beliefs and how you can overcome them for a more productive financial life.
I Don't Have Any Extra Money
This is probably the most common excuse Americans give for not saving money. And for many households, it can certainly seem as if there isn’t “extra” money for things like savings, investments or paying off debt. A simple reframing of your finances can help you get past this obstacle.
Instead of thinking of saving and investment as what you do with your “extra” money, prioritize it. As soon as you get your paycheck, slice off 5% or 10% or even 20% and send it directly to your savings. Then, use your remaining funds for your monthly obligations and discretionary spending. Some refer to this strategy as “paying yourself first,” and it’s a great way to always ensure that you do have the “extra money” you need for savings and investments.
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