1 simple exercise that can change money habits for good.

Money seems to have a way with us.  We either have it, or we don’t.

Often, we  live from pay check to pay check.

We always want more, there’s always plenty we want to spend it on, yet on the flip side, looking at our finances can make us feel physically sick.


Yet money in an of itself isn’t emotional. It is completely neutral.

We are the emotional ones.


Did you know, that every single one of us has a unique set of financial habits?

Some good, some bad.


Many of us struggle with money despite the articles about ways to save or ways to clear our debt. Try as we might, good old willpower doesn’t cut it. Knowing the wisdom of spend less than you earn doesn’t change us. Putting the credit cards in the freezer might help for a while, but the deeper reasons for our unwanted  habits is due to the unconscious emotions we carry about it.

These unconscious emotions often conflict with conscious ones.

e.g. I want to save money ‘V’ I’m not worthy of having money.


It takes courage to examine these conflicts.


The following exercises will help uncover  some of the conflicting emotions you might carry about money, and, it can help you to change them.

But this is not for the fainthearted. You may experience some strong emotions while doing this, so do please take responsibility for yourself while doing it.

Exercise 1:


  • Book out some time, and go somewhere quiet where you won’t be disturbed, for at least 30 minutes. This exercise might bring up some powerful emotions and you will need the time to process them.


  • Take out a note in your local denomination. It doesn’t have to be of a large quantity.


  • Hold the note in your hand and while looking at it, allow any emotions to come up. There may be several, and you need to allow them to surface. Give yourself time to do this thoroughly,


  • Don’t fight the emotions, allow them . If it starts to feel uncomfortable, breathe!


  • Go deeper. See if you can go a layer deeper, as there might be deeper reasons for the initial emotion you feel. One example could be of the feeling your money will be taken away from you, when experienced deeper, this is a feeling of powerlessness.


  • Sit with the emotions as long as you can, until they have subsided. You will know when they have gone as you will feel a sense of relief.


  • You might want to write down what you experienced and explore it further.




This realisation of your unconscious emotions regarding money can be incredibly powerful.

It will uncover why you might overspend, be a hoarder or never mange to get rid of that debt.

Allowing the emotions to leave of their own accord is rather like de-cluttering, it clears out the old and leaves space for new emotions to take root.

Now that you have identified how you felt, next comes the task of changing that into how you want to feel about your finances, but consciously.

So when you feel ready, and this may not be for a day or two if the feelings raised were strong, sit with the money again. (If you still have negative emotions, do the exercise again until you feel neutral).

Sit with the money and look at it.  Now create the feelings that you want to feel around money. They could be that money is your friend, that you want to feel in control of it, that you want to feel the satisfaction of money in the bank, of clearing your debts. You might want to feel excited about growing your income.

The point here is to fix positive emotions to money.

Clearing the  negative unconscious means you can now consciously build the positive and change the way you manage your money. Having positive emotions towards money creates better habits.

You are no longer fighting negative emotions you were unaware of.

Once cleared, all the sensible habits that people mention will become much much easier for you to implement.