Marcela Urteaga

A positive money mindset is not pretending you’re rich while your bank account is doing interpretive dance in the corner.

It’s also not repeating “I am abundant” 47 times while avoiding your credit card statement like it’s haunted.

A healthy money mindset is the ability to look at money with clarity, curiosity, and self-respect.

Here’s how to start developing one:

1. Notice your money story

Most of us don’t have “money problems” first. We have money stories.

Things like:

“Money is hard to make.”
“People like me don’t get wealthy.”
“I’m bad with money.”
“If I charge more, people will judge me.”
“I have to work myself into the ground to deserve more.”

Those beliefs don’t just sit quietly in your brain. They shape your decisions, prices, habits, risks, and tolerance for underpayment. Rude, frankly.

Start by asking:
What did I learn about money growing up, and is that belief still serving me?

2. Replace shame with information

Shame says, “I’m terrible with money.”
Information says, “I need to understand what’s coming in, what’s going out, and what needs to change.”

Big difference.

Avoidance keeps money scary. Visibility makes money manageable.

Look at your numbers. Not because you’re judging yourself, but because you’re becoming the kind of person who can lead your financial life instead of hiding from it.

3. Connect money to purpose

Money is not just numbers. Money is energy, choice, safety, impact, generosity, rest, and freedom.

Ask yourself:

What do I want money to help me create?
What kind of life am I building?
What do I want to fund, protect, experience, or expand?

When money has a purpose, saving, earning, investing, and charging properly stop feeling like punishment. They become part of your vision.

4. Practice receiving

This is where many brilliant people get weird.

They can give all day. Help all day. Work all day. Overdeliver all day.

But receiving? Compliments, support, payment, opportunities, ease?

Suddenly they become spiritual accountants with trust issues.

A positive money mindset requires learning to receive without guilt. You’re allowed to be paid well for your work. You’re allowed to want more. You’re allowed to build wealth without apologizing for taking up space.

5. Take aligned action

Mindset without action is just expensive journaling.

A better belief needs a better behavior.

Raise your price.
Track your spending.
Send the invoice.
Open the savings account.
Learn the skill.
Ask for the raise.
Create the offer.
Stop calling your dream “unrealistic” just because it requires structure.

Money mindset grows when you prove to yourself, through action, that you can be trusted with more.

Here’s the real magic:

You don’t develop a positive money mindset by denying reality.
You develop it by facing reality with more power, more compassion, and better tools.

Start here:

What is one money belief you’re ready to stop having?

Give me 12 tons of Kit Kat, and I’ll turn every break into a breakthrough.

Mimosas & Mindset is not just a cute name. It’s a room for smart women who are done playing small with their money, their work, and the life they know they’re meant to build.

We’re bringing honest conversations, sharp strategy, and the kind of energy that makes big moves feel a lot more possible and a lot less intimidating. Good vibes, real talk, and zero tolerance for dusty old beliefs about what you’re allowed to have.

Come sip, connect, and talk money like the powerful woman you are.

marcelaurteaga.com/mimosas-mindset