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Change Your Mindset With Journaling Prompts

by Bethany
change your mindset

It can be challenging to change your mindset. However, this is essential in order to keep going on the FI journey. To start, my mindset was not on track. I enjoyed spending money. In fact I spent money on so many things that my paycheck was gone to credit card bills before it even sat in my checking for a day. Thankfully, I knew to pay off my cards each month, but sometimes that didn’t even happen.

To Change Your Mindset Is A Gradual Process

I wanted things, but I did not need them.

Getting my nails, hair and wax done sounded great. I wanted a massage, cable, Hulu, and the newest clothes. I want a coffee. You get the picture. I was a classic consumer. The only problem was that I never stopped wanting. I was only feeding a love of things, objects and ideas that did not satisfy.

At the same time, I was constantly cleaning, rearranging, redecorating, revamping…finding space for things instead of making space for the important people and passions of life. This did not mean that I took to frugality or minimalism like a fly to honey. See my story on this under “Discovering FI for Her”.  In fact I was quite resistant.

A change in mindset is gradual. I wasn’t able to let go of my things overnight or even my spending habits. I had to take it slow and one step at a time. To do that, I had to first find my WHY.  Get to the root of the issues and do some serious self reflection.

Finding your Why and Writing it Down

Why – the reason or purpose- including the reason you are the way you are.

I needed to look at my dreams, my passions and what was truly important. As Robert Kiyosaki says, “Money if not the goal. Money has not value. The value comes from the dreams money helps to achieve.”

For myself, the WHY came down to my passions: my partner, our animals, travel, photography and art/creation.

Journaling was instrumental in assisting with my mindset shift. I had never really been into sitting and writing. I wanted to sit and draw, and I think it was pure avoidance. By journaling, I was going to have to make the thoughts in my head concrete words that stuck to paper. This meant it was real, tangible and something I needed to face- good or bad.

The questions below were my start to journal process in regards to finances. Consider answering the following questions for yourself to find your why.

Change Your Mindset With Four Questions

  • What does your “ideal” week look like?
  • Which actions make you feel happy?
  • What do you want more of?
  • What do you want less of?

Additionally, try to be as specific as possible. For example, if you want less stress, take a moment to consider what is causing that stress. Is it work? Family? Finances? I wanted less stress about my money, which meant I needed to get in control of it. This means things like budgeting and goal setting need to take place.

As I was able to be more specific, I realized these questions answered exactly how I was going to focus on what was important in life. Yet, they were only surface level and focused on the future. To truly shift mindset, the past must be confronted, so as to find the root of my beliefs.

What I Faced With Journaling

Now for the really tough questions I had to face in journaling:

  • How do you feel about money in one word?
  • How did your parents spend money?
  • What do you resent about money? What do you love about money?
  • On a scale of 1-10 how much control do you have over your money?
  • What did money buy you as a kid that wasn’t a thing? Example: Status, popularity, a full belly, etc.

Examining my beliefs in money led me down some dark paths. It is the only thing I have found that the more I neglected it, the more control it had over my life. I found I was not very generous because I grew up poor and I had a belief that money was worked hard for and used to care for your needs. Not to be shared. That money controlled you and what you could do-including how much “fun” you could have. I had a belief that money was not to be talked about. I had a belief that I was a financial burden as a kid and therefore I needed to pay for everything full price for myself and no one was going to know about it.

Needless to say, my relationship with my funds was a mess and a budget did not exist. By looking at my past, my experiences and beliefs for the first time I was able to change my mindset. And you can change your mindset by doing the same.

Let me know if you have journaled to help change your mindset. Was it helpful? Any great journaling prompts to share? I would love to hear! For some additional journaling tips, Lavendaire, my favorite YouTuber, has some awesome videos that helped me to get started and keep going.


Kristine September 21, 2017 - 1:18 am

I’ve kept a daily journal since March 2002, and I love being able to write things out to let them go. Good thoughts on the benefits of a journal! In addition to my normal daily journal full of the antics and thoughts, my partner and I have started a gratitude journal where each night we write down something we are grateful for. It’s really helped us, both personally and as a couple. 🙂

Bethany McCamish September 21, 2017 - 8:37 am

I love that idea! Keeps you in the right headspace. Thank you for reading!

GlenF October 14, 2017 - 3:00 am

Here is one of my failings: I have bought a few books to journal in and they remain blank. What I need is a cattle prod 🙂 Nice read, I should answer your questions above.

Bethany McCamish October 14, 2017 - 9:37 am

In the past I was the same way. I had to start small and think of it as a way to help me in my large goals. Let me know how the questions go!

Kori December 4, 2017 - 8:49 pm

I am wondering what is the conclusion to the journaling promts? Just to recognize the way you relate with money? To find a new appreciation?

Bethany McCamish December 12, 2017 - 6:38 pm

To find out your current relationship with money and your assumptions or biases with money. From this, you can then take control of your funds, knowing yourself better.


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