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Transforming Your Money Mindset From Scarcity to Abundance
- Financial Literacy
- By InLife Sheroes
- Nov 03, 2025
- 0 Comments
Money worries can feel heavy, especially during times of rising prices, unstable income, and family responsibilities. Many Filipino women carry invisible pressures. Some of us support extended family, run a small business, manage household budgets, or juggle several roles at once. It is normal to feel overwhelmed. Still, there is always room for hope and growth.
The truth is, before you can achieve financial security, you need to believe it is possible. Your belief becomes your anchor, your fuel. It shapes how you make decisions and move toward your goals. A healthy money mindset helps you shift away from fear and step into confidence. It encourages you to trust that you can build a better future, one step at a time.
Healing an unhealthy money mindset starts with awareness.
What is a Scarcity Mindset?
A scarcity mindset happens when you constantly feel there is never enough. Not enough money. Not enough opportunities. Not enough time.
For many, this mindset comes from childhood experiences, cultural expectations, or years of financial struggle. You might catch yourself thinking, “I can never save”, “I will always be in debt”, or “Money always runs out”.
Scarcity makes you focus on what you lack instead of what you can create. It can lead to stress spending, delaying important decisions, or avoiding financial planning altogether because it feels scary or impossible.
The good news is, a scarcity mindset can be unlearned. Your story can change at any age, at any stage, no matter where you are starting. The key is to shift your mindset from scarcity to abundance.
What is an Abundance Mindset?
An abundance mindset is the belief that you can grow, attract opportunities, and improve your financial life. It is not about pretending everything is perfect. It is about trusting that you can make progress and that resources are available to you when you seek them.
For Filipino women, an abundance mindset means allowing oneself to dream of financial freedom without guilt. It means understanding that wealth is not selfish. It is a form of self-care. It allows you to support your family sustainably and create a future where you feel secure, not worried.
When you think with abundance, you make decisions based on growth, not fear. You begin to save even small amounts. You plan instead of panicking. You invest in yourself because you know you are worth it.
Tips for Developing an Abundance Mindset
Here are practical, everyday steps to help you shift toward a healthier money mindset.
1. Be Aware of Your Money Stories
Pay attention to how you speak about money. Do you often say, “I cannot afford it?” Try shifting to “How can I afford it?” or “How can I plan for this?” This simple change opens your mind to possibilities.
2. Practice Gratitude
Gratitude works wonders. It is a powerful act of appreciating what you already have and turning that positive energy into action. Before sleeping, list three financial blessings, no matter how small. Maybe you paid a bill on time, resisted an impulse purchase, or earned a little extra from a side gig. These reminders help interrupt scarcity thinking.
3. Set One Goal at a Time
Abundance grows through consistency. Start with simple goals like saving 50 pesos a day or tracking your expenses for one week. These actions build confidence and show you that progress is always possible.
4. Consider Journaling
Journaling helps you understand your emotional patterns and stops you from operating on autopilot. It also helps you better visualize your goals and process your thoughts and feelings about money. Every night, write three things down:
- A money decision you made today
- How that decision made you feel
- One thought you want to replace (example: “I always overspend” becomes “I am learning to budget better”)
5. Create a Weekly “Wallet Reset” Routine
Pick one day each week to sit down for 15 minutes and check your wallet, e-wallets, and bank balances. Categorize your recent expenses and identify what you can adjust next week. This simple practice builds awareness and reduces financial anxiety.
6. Invest in Learning
Many fears come from not understanding money. Explore free financial education programs, workshops, and online resources, such as InLife Sheroes. The more you learn, the more empowered you become. Knowledge removes fear and replaces it with clarity.
7. Surround Yourself With Supportive People
Community strengthens your mindset. Talk to mentors, join women-focused financial groups, or spend time with people who uplift you. When you hear stories of women overcoming financial challenges, you start believing you can do it too.
8. Visualize the Life You Want
Picture your financial goals. A stable emergency fund. A thriving business. A peaceful home. Money for your kids or parents. Visualization reinforces belief. Belief inspires action. And action brings results.
Choose Growth and Security Today
Healing your money mindset is a journey. It asks you to be patient, gentle, and brave. It is a step toward breaking generational cycles and building a life rooted in security instead of fear.
If you want guidance, sisterhood, and a supportive space that understands your journey, the InLife Sheroes community is here for you. Join us as we continue empowering Filipino women through education, wellness, and meaningful connections.
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