You’ll know that your financial self-esteem needs a boost by the number of times you answer “true” to the statements below. The higher the number, the greater the need for new behaviors that will make you feel better about yourself and money.  Here we go…

I charge less for my services than I know I deserve.

I feel guilty or bad about how I spend money.

My checkbook is never balanced properly.

I buy gifts for others even though I can’t afford them.

I have a tendency to pay my bills late.

I’m too embarrassed to let anyone see my financial situation.

I rarely contribute to charitable organizations.

I add to my debt without knowing how I’ll pay it back.

I have trouble asking for money owed to me.

I blame others for my financial troubles (parents, banks, credit card companies, etc.).

If you scored high, please don’t beat yourself up.  Most people struggle with money, especially in the last couple of years during these tough economic times.  However, even prior to the financial downturn, our online community surveys showed that “stress related to money” was a burden most people carried.  This means that there are a whole lot of people reading this newsletter who feel badly about how they handle their money.  And here’s the problem with that scenario: chronic shame or guilt about finances only creates a state of poor thinking and this type of thinking is like a magnet for more financial trouble.

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So, to turn your financial future around, you’ll need to raise your financial self-esteem.  This means focusing your energy and attention on the new behaviors that will set you up to think wealthy thoughts.  Over the years I’ve learned that when we feel good about how we handle money, we naturally trust (and allow) ourselves to receive more.  This frees us up to embrace the abundance we rightfully deserve.

-Cheryl Richardson

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