5 Beliefs Keeping You Broke (and How to Break Free!)

Hey there,

I hope you're having a fantastic week! Welcome back to your weekly space of inspiration, guidance, and financial empowerment. Each newsletter is crafted lovingly as part of your journey toward true financial freedom. I'm thrilled you're here today!

Today's topic is one that resonates deeply with many of us: 5 Beliefs That Keep Women Broke (And Busy). You know that feeling, right? You're constantly busy, hustling, juggling multiple responsibilities, yet somehow the financial security and peace of mind you crave remain just out of reach. Trust me, you're not alone in feeling this way. The good news? We can absolutely change it—together.

So grab a cozy drink, settle in, and let's gently unpack these beliefs holding you back.

Quick Quiz Time!

Let's kick things off with a fun riddle:

Intrigued? Stick around—I'll reveal the answer at the end!

5 Beliefs That Keep Women Broke (And Busy)

1. "I'm Just Not Good With Money"

This is one of the most common beliefs I encounter, and it keeps women feeling anxious or even helpless about their finances.

Real-life Example: Perhaps budgeting feels overwhelming, so you avoid it altogether, hoping your finances magically work themselves out. But ignoring the situation often makes things feel worse.

Actionable Tips:

• Start simply: Track your expenses for a week or month without judgment.
  

• Celebrate your small wins—setting up a savings account or reviewing a bank statement.

Shift your narrative to, "I'm getting better with money every day."

2. "Money Is Too Complicated"

Many of us shy away from financial topics because of the intimidating jargon or complex concepts involved.

Real-life Example: When discussions about investing, retirement plans, or tax strategies come up, you tune out or feel overwhelmed, missing out on important opportunities.

Actionable Tips:

• Seek easy-to-follow, beginner-friendly resources—books, podcasts, or videos.
  

• Take it one step at a time; focus first on one topic, such as budgeting, debt management, or emergency savings.
  

• Never hesitate to ask questions. Remember, every expert once started as a beginner.

3. "I Don't Deserve Wealth"

Deep-rooted feelings of unworthiness can sabotage your financial growth more than you might realize.

Real-life Example: Maybe you feel guilty spending money—even responsibly—on yourself, believing others' needs always come first.

Actionable Tips:

• Use daily affirmations like, "I am worthy of abundance and financial well-being."
  

• Regularly acknowledge your achievements and remind yourself that you deserve financial stability.

Reflect and journal about moments when you felt proud of your financial decisions to build confidence.

4. "Being Busy Equals Success"

It's easy to confuse constant busyness with real progress. The truth is, busyness doesn't always translate to productivity, success, or wealth.

Real-life Example: You might work tirelessly, yet your bank account doesn't reflect your efforts. You're exhausted, but financial peace feels elusive.

Actionable Tips:

• Evaluate your tasks weekly. Are they directly linked to financial growth or just keeping you busy?
  

• Prioritize tasks that genuinely move your finances forward—like budgeting, saving, and investing.

Schedule regular breaks to recharge and reassess your priorities.

5. "Money Is Scarce"

Believing money is limited creates unnecessary stress and anxiety around finances, perpetuating a cycle of fear.

Real-life Example: Every unexpected bill triggers panic, even if you actually have enough to cover it.

Actionable Tips:

• Practice financial gratitude daily—appreciate every dollar earned, saved, or responsibly spent.
  

• Start a "peace-of-mind" fund. Even small amounts regularly saved build a sense of abundance and security.

Surround yourself with people who have an abundance mindset and supportive financial beliefs.

Gentle Self-Reflection:

• Which of these beliefs resonates most strongly with you? How could changing that belief transform your financial reality?
  

If you truly believed you deserved financial abundance, what one action would you confidently take tomorrow?

Helpful Tool Tip:

YNAB (You Need A Budget) – A powerful yet user-friendly budgeting app designed to help you take control of your money. It teaches you to give every dollar a purpose, significantly reducing financial stress and increasing confidence. It's perfect for beginners and seasoned budgeters alike!

From Najma’s Desk:

Coming Up Next:

• How to Build Wealth With Purpose and Peace
  

• Money Blocks Women Don't Even Know They Have

Quiz Answer:

Did you figure it out? The answer is money! Chasing money without clarity or intentionality often makes it feel unreachable. Clarity is key!

Remember, financial freedom isn't about perfection. It's about progress and steady, intentional growth. You're doing wonderfully, and I'm right here cheering you on every step of the way.

Najma Zanelli
Book A Call
Founder, NAZ Global Consultancy
Email: [email protected]

P.S. Ready to take your minimalist mindset to the next level? Explore my signature MRS Independent Coaching Program . Let’s declutter your path to financial freedom and empowerment!