Ever wondered why money can be so hard to come by? And even harder to keep?

We all have our own individual relationship with money: a financial blueprint that we’ve lived with since we were children and we carry around in our head today.  Maybe one that creates a mind-set of scarcity or fear or discomfort.

Would you like more money in the bank and less stress, but another part of you feels it’s wrong?  Or you’ll have to give up too much to be financially comfortable? If so, you could be one of the many people who are simply afraid to be rich.

If you ever feel you get in your own way and sabotage yourself when it comes to money, then it’s definitely time to check out some money beliefs that will keep you broke.

1. What if?

What if the more I have, the less there is for others?

 Scarcity thinking is a habit we all can fall prey to. Don’t fall for the limited pie routine.  All our limiting beliefs about money vibrate with an energy of fear, failure, disappointment and ‘worst case scenario’ syndrome.  Stop doing this to yourself. We live in an infinite universe.

And as for those other limiting beliefs.  Well…if you have any thoughts such as:

“I’ll have to cheat and go against my values. Rich people are greedy. I’ll have to neglect my family. Money doesn’t buy happiness. You can’t have it all”.

Then they need to be given the boot. Expecting the worst is like wishing for the worst. And you don’t want to do that to yourself because truth be told, you won’t be disappointed!

2. Money is unspiritual…

Far too many of us have learned the belief that there’s some shame attached to money.  If our subconscious operates from a belief that money is the root of all or at least some evils, it’s hardly surprising that we protect ourselves by making sure it doesn’t flow our way.

Money might not be  the key to self worth and happiness, but nor is it an evil necessity.  Money is just money. A form of exchange that has the potential for incredible good.

Like when it’s sent out to do useful work in important areas. Perhaps putting food in the hands of hungry children and providing a roof over their

Remember Mother Theresa? She took a vow of poverty and lived it. But her foundation was active in raising millions of dollars every year to support her work and build hospitals and shelters. Without the wealth of her foundation her efforts wouldn’t have produced such wonderful results.

3. Money can’t buy happiness

No it can’t. But neither can struggling to pay our bills, or falling so far behind that our homes are foreclosed on. Happiness comes from within, from the persistent happy thoughts we choose to think, from the beliefs that the world is filled with possibilities and from building a life that has value and meaning.

But life certainly gets easier when we don’t have to worry about paying the bills.

As Mark Cuban said if you’re happy, having more money can make you happier, if you’re unhappy, no amount of money will change that…at least not for long.

There’s plenty of ways you can have happiness in abundance. Be a bit more like Mother Theresa and think of others. Then find ways to contribute both financially and otherwise.

4. I don’t have what it takes

beliefs that keep you broke

None of us can be happy, successful or prosperous with a belief like this one. Believing in yourself is the cornerstone to a happy and richly abundant life. Believe you have the creativity, the ability and the means to create value for others and you draw towards you greater economic abundance.

Awaken to the awesome truth of your potential. Begin to create a new set of beliefs, a new blueprint which includes your deepest values. A model of success that allows you to see your attainment of money and success as a part of the greater good for humanity.

5. Spiritually speaking

The big lie that permeates much of human consciousness is that we live in a world of lack and limitation.  The truth is that there’s more than enough good available. There’s more than enough love, joy, creativity, success, fulfillment and money.

There’s enough for all of us. Begin to believe this, begin to act from this truth and it will show up in your world. Even if you’re struggling financially right now…nothing and no-one can stop you from believing in you and your power to do good in the world. And that’s the truth.

And now, I’d love to hear from you. 

In the comments section tell us, have you broken free from a scarcity mentality around money? How did you do it?

And if you’ve decided to work on this, where is the best place for you to start…right now? 

Thank you as always for your kind, generous and wise comments. If you found value in this post please share it with your friends…I would so appreciate it.

Encourage one another.

Love Elle


P.S And just for a little fun check out this quiz and see where you stand in your relationship to money…you could surprise yourself.


Elle Sommer is the author of 4 books and a workbook. Her latest publications are a series called The Power of Consciousness, and you will find all three books in this trilogy now available on Kindle. She shares quotes, inspiration and positive vibes on Facebook, Instagram and Pinterest. And her greatest desire is to encourage and inspire others to create not just a good life, but a phenomenal life.


  1. Hi Elle,

    I think in the past my poor relationship with money came from focusing on the lack of it. But one of your listed beliefs that really stcuk out for me was money not being able to buy happiness.

    Sometimes when you express your desire to have/make more money other look at it like you’re trying to buy the world or tying to solve all your solutions with it. I know that money can’t buy happiness but it can alleviate other issues allowing you to focus more on the special things that cannot be bought.

    Enjoy the rest of your Sunday!

    • ElleSommer

      It’s true Lea…money certainly makes life easier and allows us to focus on using use our gifts and talents for a more lovely world. 🙂

  2. The scarcity mentality versus the abidance mentality has been something I’ve reflected on in recent years in a lot of areas of my life. Thanks for this reminder in terms of finances.

    • ElleSommer

      That mentality hits all of us doesn’t it Ellen.Sometimes more in one area than another…I wrote about it in financial terms because it seems easier to explain, plus an awful lot of people struggle with their beliefs about money. And changing a belief about scarcity in one area will impinge in a good way on all the others, which I like! 🙂

  3. Anonymous

    Hello Elle,
    Loved your post.
    I kbow how hard it can seem to earn money when our beliefs are pulling us in the opposite direction. I understand it totally. I know we should think positive and expect positive outcomes and live and act as if our wishes have already been fulfilled. We should be grateful to the universe for all that we have right now and for all that is going to come in our lives.I know this all in theory.
    BUT i can’t seem to apply this in my practical day to day life. The problem is that I have less about of time for something important and in that limited time period i MUST attract or earn A LOT of money. If i is this one chance my life will be left with no meaning at all.
    Yes i know what will you say now
    “every experience is great because it teaches us something for good”
    “Life always expands”
    Etc etc. I respectfully request you please dont teach me those things. I want to emphasize that this particular situation is critical for my life my life will literally have no meaning after this opportunity has been lost.
    So i have a lot of fear.
    Fear of loosong this opportunity.
    Fear of failure when i try to earn money by writing or animation etc.
    I have limited time so i want to carefully invest my time in a career that will give money guranteed but i fear i might take wrong career choice so i am stuck where i am and ironically time is getting wasted anyways.

    Sometimes money seems to come but it is never enough.
    Please tell me what to do in this situation
    Please help. Thank you.

  4. ElleSommer

    I wish I had a magic wand Anonymous, but I don’t and there are no quick fixes to be had either, sadly. At least not that I’m aware of.

    I’m not a professional , and all I can offer is my personal experience and practices that have worked for me.

    Being focused on all the reasons why something won’t work has always lead to more things that don’t work in my life.

    The stories we tell ourselves about what we should do, but won’t or can’t are the very stories that stand in our way..

    For life to be different, we have to be different. We need a different approach, a different way of thinking about and seeing our experiences – read Rich Dad Poor Dad to get a different view. And this quote might help get you started.

    “One dad had a habit of saying, “I can’t afford it.” The other dad forbade those words to be used. He insisted I ask, “How can I afford it?” One is a statement, and the other is a question. One lets you off the hook, and the other forces you to think.” ~ Robert Kiyosaki

    My wish for you is that everything works out as you would like. 🙂

  5. Oh girl, I love this topic. I see a lot of scarcity and lack mentality around these days. In the entrepreneur world it creates a lot of unneeded competition when you could have collaboration. It’s sad because all it takes is a mind shift and everyone feels so much better and their businesses grow.

    I worked through my own money blocks working with a variety of techniques that work on the subconscious. There are so many wonderful tools out there. I love EFT, The Healing Codes, Kinesiology etc. I feel so much happier and secure theses days. You really can’t work on one area without working on all areas 🙂

    Thanks for a great post!

    • ElleSommer

      It’s a touchy subject that’s for sure Melissa – it amazes me that some people are still stuck in beliefs of competition rather than co-operation. I like to keep in the mind the idea that whilst we can go far alone, we go further with another.

      How great that you found effective tools for dealing with money blocks and now you’re in a happy money place. Yay. 🙂

  6. Hi Elle, Yes, money can’t buy happiness but it can alleviate problems that we encounter in our everyday life. Thanks for sharing these reminders with us. It is really very helpful and informative.

    • ElleSommer

      Hi Sherill, glad you found something useful in the article. I love that about you. You always look for what works for you. 🙂

  7. Money is the by-product of success. Its no shame to earn more money. But it is really a shame to concentrate our efforts to do something good only for money. So I think, we should concentrate on doing good just for the purity of heart, but also accept the material rewards like money that come with it.

    • ElleSommer

      Hi Rituraj…it sounds as though you have a really good handle on the abundance in the universe. Thank you for sharing your insights. It’s always good to hear different perspectives. 🙂

      • Thanks a lot madam for your compliment. But, actually its the good people like you who share their wisdom so nicely for people like me to understand and implement in our lives. Your blog has helped me in my life in more ways than I can think of. Keep up the good work.

  8. I ran head first into ALL of my worst-case scenarios in one year…hubby lost job, 2 weeks later my mom died suddenly, I had a car accident that left me in constant chronic pain, I lost my job, my hubby and my big brother were ill and I needed to fix mom’s house up for sale. Guess what…I survived, and so did everyone else! Prayer, tears, and hard work brought out the best in us. We decided to get involved in “service” and began volunteering with folks much worse off than we were. That put a new perspective on everything. We realized that we had too much “stuff”. We realized we wanted to follow new career paths. We realized we had more to be grateful for than we ever dreamed we could have.

    • What an amazing being you are dear Eliska. To have come through such trials with so much grace and strength is astounding. And to turn that into supporting and encouraging others is incredibly inspirational. I salute your courage dear one and wish for you all the blessings in life that you are bestowing on others. 🙂

  9. Dnyanraj

    True,scarcity is just an illusion…
    Abundance is a vision…

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