Understanding Your Relationship With Money

money working hard

Do you love money or hate it?

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If you want to start understanding your relationship with money, you have to work out all of your unconscious beliefs and past programming around it.

Unless you take this step, it will be hard to create real, lasting wealth for yourself!

So does money come to you easy, or is it a constant struggle?

Are you a spender or a saver?

Do you admire rich people, or think that they are all crooks and are greedy?

When you think about money what comes into your mind?

I would bet that a lot of negative thoughts come up.

“Rich people are greedy”

“I would sooner be happy than rich”

“Money doesn’t grow on trees”

“The rich get richer and the poor get poorer”

“There is never enough”

“We can’t afford it”

Where did these beliefs come from?

The funny thing is that all these beliefs about money are not even your own.

Think back to your childhood.

You would of overheard all of these statements about money from your parents, friends, teachers and even television.

Even scarier is that they would of developed their beliefs from their parents, friends and teachers as well.

Your beliefs about money are not actually your own, but are based on old, outdated thinking from the depression era.

Sure, all of your experiences have shaped your relationship with money, but with all of this past programming going on in your mind subconsciously, can you see why so many of us believe that making money is hard and a constant struggle?

 I love money $$

Growing up I always liked money.

I had a piggy bank and always used to love counting it when it was full.

I always saved all of the pocket money I received and dreamed of one day owning a beautiful home.

However my family was never rich growing up.

I was raised by a single-Mother who worked as a cleaner at the local hospital.

I watched her working hard to pay off our little two-bedroom house, but I never felt that I was poor or that I was missing out on anything.

But I also heard all of these sayings about the rich and money.

If someone was perceived to be well off my Mum used to say “He’s got more money than a bull can s#$t”

It used to make me laugh, but I now realise that it definitely didn’t leave me with a wealthy mindset.

Like most people, when I left school I went out into the workforce and resigned myself to working the next forty years or so, and then to one day retire… hopefully with a few dollars saved up!

Hardly an abundant lifestyle!

Changing my relationship with money

Debt My Road to Financial Freedom

When I was in my mid-thirties I realised that I was just coasting through life.

I was doing “okay” financially, but realistically I was looking at working another twenty or thirty years in this job that I didn’t like.

Even then I wasn’t sure if I would have enough money for retirement.

 But then something happened that changed my life.

I read a book called “Rich Dad Poor Dad” and this completely changed the way I had been thinking about money and investing.

This started my journey into personal development and becoming financially fluent.

Starting a business

At first things were not exactly working.

I bought some investment properties, got into a mountain of debt, got some bad advice, made some mistakes and cash flow was becoming a real issue.

But then I realised that it was my old programming about money that was holding me back, and I was essentially sabotaging my own success.

All of this was subconscious of course.

But through a lot of personal development work I discovered that we all have a “financial blueprint”.

A certain level of comfort with the amount of money that we get to earn and to keep.

If we earn too much we tend to blow it.

Too little and we will soon start making up the shortfall.

Just like a thermostat in a room that will kick in at a certain temperature.

Eventually I uncovered my old self-limiting beliefs that were holding me back.

I started to change them and began to develop an abundant mindset.

Now I have even started my own online business so I can help people with the money management, mindset, and also the strategies, so that they too can achieve success and financial freedom!

You can do it!

So what beliefs are holding you back from money and abundance?

My belief now is that “Money is made in the mind” and anyone can and should create wealth and live an abundant lifestyle.

Then you can truly help others from a position of strength.

It is all about your mindset.

You can do it!

Start understanding your own relationship with money and start to create real wealth and abundance for yourself and loved ones.

If you have any questions or comments, leave them in the comments section below.

To your success,

John W. Newman

Dream It… Believe It Then Achieve It!

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John newman

John newman

My name is John W. Newman. Property investor, Internet entrepreneur, husband and father of four beautiful daughters. Join me on my road to financial freedom! Dream It...Believe It...Then Achieve It!


  1. Hi John. You are absolutely right. Mindset and the programming that you received when you were growing up is everything. When I was growing up we always had enough money to do what we needed to do with some extra to do some fun thing. We weren’t rich by any means but I don’t think we ever struggled. When I was on my own and single, I made enough to do everything that I wanted to do, but somewhere I picked up some programming that married people struggle with money because for some reason we didn’t have enough anymore. It’s taken some time to get that idea turned around.

    I agree with what you said in your reply to Todd’s comment. Money is a tool. I have never had a huge love, nor a huge dislike of money. I feel the same about it as I would a hammer or a screwdriver. It is a tool to use to do the things that I want to do.

    • Hey Ben, thanks for your comment.
      I had a bit of a chuckle when you mentioned about having a lack of money if you get married, I guess a lot of men have that belief 😉
      Seriously though, you can see that by having this belief it could cause a lot of unhappiness if you were to choose to push potential partners away, even if it is subconsciously.
      Other blocks about money can do the same thing to your finances.
      Understanding your beliefs about money and removing the self-limiting ones, is the best thing you can do for your future wealth.
      Thanks for your insights 🙂

  2. Hi John,

    When I was in my 20’s I too was coasting and enjoying just living the adventure in life. I got involved early in real estate and read Rich Dad Poor Dad.

    What was interesting about this book to me was that it exposed the fact that most people are sensitive to talk about money, like it’s a bad thing to openly talk about how to generate it or leverage it. When in reality, it should be something that is talked about and explored.

    Our past believe systems can hold us down and for this reason I really like your post here. It lets people know that understanding how money can work for them can make the difference in their future. It’s nothing bad or evil, it’s just an aspect of life. Do you want to have enough to live the life you want to live, or do you always want to be a slave to money by being poor or too over consumed by your desire for wealth.

    Great post and awesome tips. Thanks, Todd

    • Loving your insights Todd and I totally agree!
      It seems that we are not dissimilar in our journey, except you were in your twenties and I was in my thirties!
      I guess I am a slow learner! Ha ha 😉
      Seriously though, I believe that money is just a tool and it will only make you more of what you already are.
      This notion or “belief” that money changes people is all BS!
      If you are an idiot without money, you will be an idiot with money.
      In my experience, the people on the road to wealth creation are also into personal development, as they believe that the goal is not so much the money, but the PERSON you need to become, that is capable of CREATING the money!
      Thanks for you comment Todd!

  3. Great article John. I totally agree that success it’s a state of mind. Anyone can start an online business, but only few can achieve success because only those few are willing to work hard, learn and what is more important, only those few have the right mindset. And I agree that it’s really great when you can achieve success and help others do the same. I think making money is more an art than just mechanical process.

    • Money and success is achieved 80% in the mind and 20% strategy, of that I have no doubt!

      That is why I believe it is so important to concentrate on your mindset as that is what will ultimately give you the most benefit!

      Thanks for your feedback Rufat!

  4. Hi John,

    Throughout my teens to 20’s, I didn’t take money seriously. I didn’t have a lot, but I wasn’t too crazy about it either. I was more interested in chasing my passion even if it means spending a lot of money (I never thought about where I should get or replenish them).

    When people try to teach me about financial management, I roll my eyes over the ‘boring’ subject and replied “I will know how to manage it when the time comes.” And the time did come, way sooner than I thought.

    It was when I started working full-time (and getting taxed), did I truly understand the value of money and all the potential it could bring. My relationship with money is getting better, but I still have a long way to go.

    Should have listened to the wise ones when they were trying to teach me something 🙂

    • It is very hard to teach financial management to young people, they always think that is something to worry about “later”.

      The trouble is the future comes around far too quick!

      Thanks for your comment Cathy!

  5. My relationship with money changed drastically when my husband got sick. It brings one down to earth and thinking about the future. I am now nearing retirement and wonder how do I work toward a comfortable future at this time of my life. Your website has given me some ideas of how to do that.

    Thanks for your insight!

  6. It is very interesting, I am sure you can help a lot of people. Congratulations!

  7. Hey john,

    Your article got me thinking about my own relationship with money and how I phrase my statements. I have read Rich Dad poor Dad myself and your article was reminder to me of how I need to reclaim the abundant mindset. Thanks for sharing this was a nice wake up call.


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