8 Classic Negative Beliefs That Stop Money Flowing to You

Australian Business Growth Expert

Money can be a big source of stress in your life. No matter how much you have, it never seems like enough, and even if you have plenty, you can’t enjoy it when you feel like, as there is always another bill to pay or another expense to contend with. As an entrepreneur, money problems can be especially frustrating, since your business depends on your making enough money to keep it afloat. And let’s be honest, who wants to keep afloat, we want you making MINIMUM $30K month each and every month and MORE.

If you’re suffering from money problems, negative beliefs about money could be stopping money from flowing towards you in the first place.

Do any of these resonate with you?

1/ I do not deserve it

When you were a kid, did your parents ever say to you, you don’t deserve that. You can’t have that.? Did your teachers discourage you from attempting certain subjects or warn you about taking on activities? Unfortunately, these messages can carry forward into adulthood. In many cases, adults who believe they’re undeserving of money came from backgrounds where their value was diminished in some way. Often, they received regular doses of criticism and verbal abuse. With time, their subconscious mind took over and accepted these unhealthy beliefs as facts.

In fact, so deeply ingrained are these ideas that unless we become aware of them and actively work to change them, they remain active drivers of our behaviour long after we’ve been rescued from an abusive environment. We may not even be conscious of it until a crisis hits us hard enough for us to start looking for an explanation. Why do negative thoughts haunt us? Why can’t we make more money or attract financial abundance? If you experience feelings of lack and limitation around money, take a moment right now to jot down any self-defeating belief statements that come up. Don’t try to justify anything—just let it flow from you naturally. This is going to enable you to really acknowledge your thoughts and you can now start becoming aware that this is a block that you are putting up in front of you, that you must release.

2/ I am not good enough

It’s hard to earn money if you don’t believe you deserve it. Many people with negative beliefs about money struggle because they feel like they don’t deserve to be rich or make more money. Unfortunately, if you really believe that you aren’t good enough for success, there are plenty of external reasons why your efforts may not succeed—but on a core level, you don’t think that you deserve more than what fate has given to you.

This is an underlying belief that can easily hold back positive change. If your self-worth is tied up in what your bank account looks like, chances are slim that any of your efforts will succeed. Work on changing how you view yourself and then things will start falling into place. Start believing that you DO deserve to be successful and wealthy and a world of possibilities opens up before you.

3/ I will just lose what I have

It’s been proven time and again that there is a direct correlation between your level of confidence in money and your ability to make it. If you feel like you don’t deserve money, chances are good that you won’t get very far in acquiring any. For many people, self-worth starts with an internal battle waged against previous beliefs about money—beliefs they may not even be aware of. If you’re trying to turn things around but can’t quite figure out why nothing seems to work, try looking inward for answers. It may be time to rethink some old assumptions that are standing in your way.

Do you think that when you have money it will just slip through your fingers?

Start writing down affirmations to yourself everyday as to why you deserve money and focus on everything you have done up until this moment to make money.


4/ I can’t manage it well

Many people believe that others will think less of them if they find out they’re struggling financially. The belief is that if people find out, they’ll assume you’re a complete failure and unworthy of friendship or love.

Of course, fear has no basis in reality. If it did, we’d all have plenty of reasons to be afraid—and we don’t. This belief stops money from flowing to you because it leads you to avoid asking for help, advice or mentorship—things you need to succeed at work and earn more money. Don’t let fear hold you back from connecting with other people who could help take your business further.

5/ If people knew my situation, they’d be disappointed

Some people have a hard time receiving assistance from others because they feel shame. They think that other people will think badly of them if they know their situation, or that they’ll be disappointed that they’re in a fix to begin with. Let go of these ideas! Others want to help you because it’s human nature, not because you’ve been deemed worthy of charity.

Talking about your fears and insecurities is an effective way to quiet them down – and who knows, maybe someone will surprise you by offering to help when you didn’t expect it! And remember: How others judge your situation has nothing to do with how bad things are for YOU. Someone else could be much worse off than you yet seem happy as can be. Your problems may not seem like much compared to theirs, but they matter, nonetheless.

Though, sharing what you’re going through allows others to empathize with what you’re experiencing on a deeper level which then opens opportunities for discussion of potential solutions.

6/ I must know what’s coming next!

Fear of uncertainty can hold you back from even thinking about money, let alone earning it. The only way to get past your fear is to force yourself to approach money like every other area of your life: decide and move forward. Just because things might not work out doesn’t mean you should give up; on the contrary, sometimes things need some adjustments before they start flowing smoothly. With practice, you’ll learn how to tell what’s worth pursuing and what’s not. Remind yourself that even if something doesn’t go as planned at first (or ever), there’s always another opportunity coming around soon enough; nothing is permanent, but opportunities last forever.

7/ There’s never enough money around so why bother?

Unfortunately, many people don’t believe there’s enough money to go around. So, they hoard what little they have and play it safe by not taking any risks or attempting to grow their wealth. And that’s a shame—because by staying stagnant, you’re leaving money on the table and limiting your opportunities for growth and happiness. Instead of believing there’s never enough, start thinking of ways you can create more income to fuel your ambitions. It might take work or creative thinking—but if you keep trying new things, eventually something will stick—and as soon as it does, all those money-blockers won’t seem so scary after all. Stop telling yourself I’m too old/young/unqualified/busy: Most people mistakenly think that success requires certain qualifications. For example, some think you need years of experience working in finance to run a financial planning business; others believe you need an economics degree to invest in stocks; and still others say entrepreneurship is only for young kids without families.


8/ Life’s too short to waste time worrying about money

Many of us spend an unhealthy amount of time worrying about money. It feels like it’s always on our minds, which isn’t surprising when you consider how much time we spend working for it. So, if you want to change your relationship with money, start treating it as less of a burden and more of a game. Set yourself some financial goals that are within reach but also require some effort to achieve.

This is one of those destructive beliefs that, while completely natural, can severely hinder your ability to attract and retain wealth. Why? Because it’s a self-fulfilling prophecy! Many of us live in mortal fear of not having enough money to enjoy life. But what if there’s no connection between feeling deprived and having money? Try reframing I don’t have enough as I have everything I need. Remember, there’s never enough time or money for doing all you want; it’s just a question of how much you want and what you’re prepared to do to get it.


  1. I AM a money magnet.
  2. Money flows freely to me.
  3. I release all resistance to attracting money. I am worthy of a positive cashflow.
  4. There is always more than enough money in my life.
  5. I naturally attract good fortune.
  6. I am financially free.
  7. My income exceeds my expenses.
  8. I deserve to be paid for my skills, time and knowledge.
  9. I have a positive relationship to money and know how to spend it wisely.
  10. My income increases constantly.
  11. I am wealthy in more ways than one.
  12. My job/business allows me to live the life I desire.
  13. I am connected to the universal supply of money.
  14. I am grateful for the abundance that I have and the abundance on its way.
  15. Every dollar I spend and donate comes back to me multiplied.
  16. I can look at my finances without fear.
  17. I choose to live a rich and full life.
  18. I give myself permission to prosper and grow.
  19. I am worthy of all the richness I desire.
  20. I have the power to create the success and build the wealth I desire.

If you would like access to my upcoming LIVE & FREE MONEY MINDSET MASTERCLASS, simply email: victoria@victoriagarlickofficial.com and I will get the invitation sent to you.

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