5 Things I Am Doing To Change My Money Mindset For 2019
2019 is coming faster than I'd like to admit. For me, 2019 is going to be all about getting my finances in order. My goals are to find the perfect clients that make me excited about my job every day, without the burnout. The burnout as a freelancer can be real, y'all. In 2019, my goal is to work with people and companies that make my heart sing.
In addition to working with awesome people, I need to be serious about money mindset. Those amazing clients will show up when I am clear about what I do, what I want in clients, and what I'd like to charge for that. I've been taking my biz and flying by the seat of my pants, but in 2019, I am changing that.
Here are five things that I am doing to change my money mindset in 2019.
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1. Charging More
There comes a time in any freelancers life where she has to make a choice and stop living a mediocre life. There may be a price we all have to pay at the very beginning to prove our awesomeness, but I've found that I am usually much happier when I charge more for my work. All my horrible experiences in the client world have come when a client is severely underpaying me for my work. When clients pay my rate, I am much happier, which makes my clients much happier. Low paying clients are honestly some of the neediest people you'll meet.
So, in 2019 I am vowing to charge my rate. I even have a sticky note on my computer to remind me to do this. Charging more is the gift I can give myself that will keep on giving. I'm going to charge my rate and I'm going to charge above and beyond what I think I am worth too. I am also going to do damn good work when I get clients who are willing to pay my numbers. Getting paid a wage I am worth is totally in right now.
Outfit Details: Shirt: Lane Bryant | Necklace: Metal Marvels (Obsessing over Katie's bar necklaces, save 15% with my code THA15!) | Skirt: Sejour (from Nordstrom Rack but it's sold out.)
Eye Details: I used the Too Faced palette Sweet Peach to create this eye look.
2. Changing My Wording Around
I used to be the queen of saying, “I can't afford that,” but I realized over time that more than likely I can afford it, I just choose not to spend my money on it. Putting the onus on me was important, taking control over my finances is important. So, now I am going to say “That is not important to me right now.” It's a small mindset hack, that puts me in control of why and how I choose to spend my money.
I think we find the money if we want something. If I legitimately can't afford something right that second, I can always say, “I will arrange and save my money so that I can get this item.” I don't want to cut out any of the blessings the universe has coming my way.
“I can't afford that,” shuts the conversation with the universe down completely. On the other hand, “I will arrange and save my money so that I can get this item,” opens up a conversation and lets in all the possibilities where you can afford the item.
3. Checking In With My Money More
Looking at my bank account honestly makes me wince. I am not going to lie and tell you that my bank app is my favorite app. It is when I am steadily bringing in cash, not so much when I am not making the money I need to make.
Earlier this year I started creating a spreadsheet that helps me track money by letting me know when bills are due. Tracking my bills in this way has been a lifesaver (I even shared why and how I track my bills on the blog earlier this year.) I know that if I take the time to do more tracking and checking with my money, I'll either love what I see or get the kick in the booty I need to hustle more.
I got the idea for checking in with my money more because I was listening to a recent episode of the podcast On Purpose With Alex Beadon where she talks with Denise Duffield-Thomas about money mindset.
4. Paying Down As Much Debt As Possible
I've started paying down debt this year, but I want to continue to do this in 2019. I got myself into so much unnecessary credit card debt in college and graduate school. I learned no lessons from my parents even though I should've. My credit card debt is not something I am proud of, but I am pleased to report that I am paying off a ton of this debt. I know that my credit will still be scarred for a while, but I am excited about paying this stuff down.
I buried my head in the sand when my credit card payments went late, and my bills got into some unfortunate debt collecting hands. It sucks that this is my life now, but I made a bed, and now I have to lay in it. I am doing my best and paying things off over time. My life will be better when I finally get some of this debt off my shoulders over the next few years!
5. Listen And Read All The Ebooks About Money And Mindset I Can
I've been on such a reading kick lately. Now, I am hoping to read and listen to all the books on money and mindset that I can. When I had a call for a course I was taking earlier this year; my teacher recommended that I listen to books and podcasts about money and the mindset attached to it. I've been reading “You Are A Badass At Making Money” by Jen Sincero.
Next on my to read list? “Get Rich, Lucky Bitch” by Denise Duffield-Thomas, whom I mentioned earlier when I talked about a podcast episode I was listening to recently.
I've also been listening to random podcasts about this subject.
Money is such a taboo topic. It's nice to read and listen to these people I'm following talk so openly about money. It also opens me up to a few things I could be doing to better my money mindset. Listening to these experts will help me bring more money into my life.
Conclusion: What's The Deal With You And Money?
Okay, I'd love to close this out by asking you: What's your deal with money?
I have so many subconscious things about money I know I need to unpack. I often feel unprepared to receive it. I'm working on visualization of what it'd feel like to have money as well as letting myself know that it's okay to receive money. I know I will be a bit unprepared. I don't know every single money rule or how to grow it. Those things will be figured out with time. Now I need to convince myself further, so my subconscious knows that. Funny how that works, huh?
I am going to be working on this for a while. These are my first steps to working on my money mindset while doing something I love to do.
Again, I'd love to hear your thoughts on money mindset. Please leave some comments down below and let me know!