Mind Over Money: How to Break Negative Financial Programming

Mind Over Money: How to Break Negative Financial Programming | The Kitti Sisters - 3

142: Mind Over Money: How to Break Negative Financial Programming


We’re taking a little detour from our usual discussions on apartment investing to learn about something equally important – our mindset around πŸ’° money. πŸ˜‰πŸ˜‰

Let’s be real, we all have those pesky little thoughts that creep up and tell us we’re not capable of achieving our financial goals. But here’s the thing – those thoughts are not facts!

We’re here to give you some tips on how to break free from that negative financial programming and reprogram your brain to set yourself up for financial success.Β 


First up – mindfulness!

If you want to break the negative finance programming in your mind, you need to start paying attention to your thoughts. πŸ€“πŸ€“

When those pesky negative financial thoughts start creeping in, like “I’ll never be able to afford that dream vacation,” don’t let them take over! Instead, catch yourself and reframe the thought into something more positive.

How about, “I’m going to work on a budget and save up for that vacation. It might take some time, but I’m determined to make it happen!”

See how that little shift can make a big difference?

Let’s get our positive vibes flowing! ✨


The next habit to practice is gratitude. We all know how easy it is to focus on what we don’t have, but it’s time to shift that mindset. And how do we do that, you ask? By practicing gratitude,Β  friends! πŸ«±πŸ»β€πŸ«²πŸΌ

It’s a simple habit, but oh-so-powerful. Every day, take a moment to write down three things you’re grateful for.Β 

It could be something as small as your morning cup of coffee or as big as the love ❀️ and support of your family and friends.

Trust us, when you start acknowledging all the good things in your life, you’ll start to see even more of them! So, grab a pen and paper, and let’s get grateful!


Let’s also talk about setting some SMART financial goals!

Now, we already know what you’re thinking – “Ugh, goal-setting? That sounds so boring.”

But hear us out! Having clear and achievable goals is like having a treasure map πŸ—ΊοΈ to financial success.

Plus, it can be a lot more exciting than you might think.  🀩🀩

➑️ SMART is an acronym that stands for Specific, Measurable, Achievable, Relevant, and Time-bound.

It might sound like a mouthful, but each of these elements is important for creating goals that will actually help you make progress.

Think about it like trying to lose weight. You wouldn’t just say, “I want to lose weight.”

You’d probably set a specific goal, like “I want to lose 10 pounds in 3 months.” And then, you’d make a plan to achieve that goal – maybe by exercising more and eating healthier. 🀟❀️

The same principle applies to your finances. Start by setting a small, specific goal that you can achieve in a reasonable amount of time.

Maybe it’s paying off a credit card or saving up for an emergency fund.

Whatever it is, make sure it’s measurable, so you can track your progress and stay motivated. 😘😘

It’s also important to make sure your goal is achievable.

Setting an unrealistic goal, like “I want to save a million dollars in a year,” is just going to leave you feeling discouraged.

Instead, make sure your goal is something you can realistically achieve with the resources you have available.

And of course, make sure your goal is also relevant to your overall financial plan. Maybe your goal is to save up for a down payment on a house 🏘️, or to start investing for retirement. Whatever it is, make sure it’s something that will help you achieve your long-term financial goals.

Last but not least, make sure your goal is time-bound. ⏳

Give yourself a deadline to achieve your goal, so you have a sense of urgency and can stay on track.

So there you have it – setting SMART financial goals might not sound like the most exciting thing in the world, but trust us, it’s a crucial step in achieving financial success. Start small, stay motivated, and watch your progress add up over time!

Educate YourselfΒ 

The fourth habit is to educate πŸ“– yourself!

And the good news is, it doesn’t have to be boring or tedious.

Learning about personal finance can actually be a lot of fun!

There are tons of amazing resources out there to help you expand your financial knowledge.

You can start with classic books like “The Richest Man in Babylon” or “Rich Dad Poor Dad”, or dive into newer titles like “Broke Millennial” or “The Simple Path to Wealth”.

But books aren’t your only option!Β 

There are countless podcasts out there (like ours!) 😌😌 focused on personal finance.

You can listen to experts share their tips and tricks while you’re on your morning commute or cooking dinner.

And don’t forget about πŸ–₯️ online courses!

There are plenty of free resources available, as well as paid courses that can provide even more in-depth information and support.

The point is, there’s no shortage of ways to learn about personal finance. The more you educate yourself, the more empowered you’ll feel to take control of your financial future. So why not start today?

Like-Minded People

And finally, the fifth habit – surround yourself with like-minded people πŸ‘©πŸΌβ€πŸ€β€πŸ‘©πŸ»πŸ‘©πŸ»β€πŸ€β€πŸ‘¨πŸΌ.

Being surrounded by people who have a positive attitude toward personal finance can be extremely helpful in keeping you motivated and accountable.

Not to mention, it’s a great way to make new friends who share similar goals!

One way to connect with like-minded individuals is to attend financial workshops or networking events in your community.

You can also join online groups or forums dedicated to personal finance. There are plenty of resources out there, so don’t be afraid to put yourself out there and connect with others.

Plus, when you surround yourself with people who are passionate about financial success, you’ll be more likely to pick up good habits and learn from their experiences.

It’s like having your own personal financial support system!

So, there you have it – five habits to reprogram your mind for financial success.Β  πŸ€“πŸ€“

Remember, changing your mindset takes time and effort, but it’s definitely worth it in the long run. Start small, be consistent, and before you know it, you’ll be well on your way to achieving your financial goals!

And remember, speaking of community – we’re all in this together, so let’s keep supporting each other in our journey to financial success. πŸ™πŸ»



The Kitti Freedom Club


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We're Palmy βž• Nancy Kitti 〰️ The Kitti Sisters

A sister duo team obsessed with all things financial freedom, passive income, and apartment investing + apartment syndication, who turned a $2,000 bank account into a nine-figure empire.  Now, we're sharing with you the behind-the-scenes secrets of our wealth building strategy.

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