Top 10 Genius Ways to Motivate Yourself to be Better with Money

Getting better with money isn’t just about numbers—it’s about mindset and motivation. Most people know they should budget, save, and invest, but staying motivated can be tough.

Whether trying to pay off debt, save for a big purchase, or just build healthier financial habits, finding the right strategies is key. Here are ten smart and effective ways to motivate yourself to manage money better, make lasting changes, and finally reach your financial goals.

1. Repeat Money Mantras Daily

Start each day with a positive money mantra. Repeating phrases like “I am smart with money” can build a better mindset. This simple habit keeps you focused on your goals and spending.

To learn more: Top 10 Reasons to Use Money Mantras to Manifest Your Dreams

2. Stop Saying I’m Broke

Words have power. Saying “I’m broke” keeps you stuck in a poor mindset. Shift your language to be more positive, like “I’m working on my finances,” to encourage growth and smarter money choices.

To learn more: I Am Broke : Why it Happens and Escape Being Broke

3. Learn Money Lessons without Making Mistakes

You don’t need to learn the hard way. Read about others’ financial mistakes and victories. This way, you gain valuable lessons without hurting your wallet or your future financial stability.

To learn more: Important Money Lessons You Must Master to Find Success and Build Wealth

4. Pick Up a Personal Finance Book

Reading a good finance book can open your eyes to new strategies for growing wealth. Books offer insight from experts and motivate you to take better control of your money and future. (Hint: pick up the book from the library)

To learn more: Best Finance Books: The Top 10 Must-Read Books To Improve Your Finances

5. Give Yourself Grace

Everyone makes money mistakes, but it’s important not to be too hard on yourself. Forgive those slip-ups and focus on progress. A little grace helps build a healthier approach to managing finances.

6. Dive into the Hard

Don’t shy away from the tough stuff like debt or budgeting. Tackling these challenges head-on makes you stronger and more in control of your money. Facing them can lead to real growth in your finances.

7. Set Realistic Money Goals

Setting achievable money goals keeps you on track. Start small and build up; this way, you won’t get discouraged. Smart goals create a clear path toward financial independence and stability.

Create micro goals along the way to help you reach the big goals.

To learn more: Powerful Truth Behind Money Goals that you Need to Know

8. Seek Out Advice for Your Generation

Not all money advice fits everyone. Find tips that speak to your generation’s needs and challenges. Tailored advice helps you make smarter choices that align with your financial future.

To learn more: Financial Advice for Young Adults: 10 Easy to Follow Money Management Tips

9. Surround Yourself with the Right Community

Your circle can impact your money habits. Be around people who talk about saving, investing, and growing wealth. Positive influences push you to be better with your finances. Start with a popular podcast like ChooseFI.

10. Learn How to Manage Money Better

Gaining new skills in budgeting, investing, or saving can change your money game. Take time to learn, and watch as you start making smarter financial decisions that lead to greater stability. Spend at least 2-3 hours per week learning on how to be better with money.

To learn more: How To Manage Money Wisely: 10 Tips For Making Money Better

Be Smart with Money

Building a solid financial foundation takes effort, but it’s worth it. Use these smart tips to motivate yourself to grow your wealth and achieve financial freedom.

Honestly, stop being afraid of money and start looking at it as a tool. This will help you move your mindset. Baby steps each day will make greater progress than one huge leap!

To learn more: How to be Smart with Money: Get Rich Faster And Build Wealth

Know someone else that needs this, too? Then, please share!!