What is Money Mindset and How to Upgrade Yours for Success and Freedom

money mindset
How to clear your money blocks and work on your money mindset


1) What is Money Mindset

2) Understanding Money Mindset

3) How is Money Mindset Formed

4) Types of Money Mindset

5) 7 Signs You Need to Work on Your Money Mindset

6) How to Change Your Money Mindset

7) What Happens When You Change Your Money Mindset?



In this massive blog post I’m going to reveal so many money mindset secrets – you can sign up to receive this Definitive Guide to Money Mindset direct to your inbox so you can refer to it whenever you need to clear your money blocks or work on your mindset to get to the next level!



Your Money Mindset and How to Change it so you Can Attract More Wealth and Freedom

Tired of feeling broke, exhausted and overworked? 

Feel like you’ve been stuck at the same income for years? 

The ONLY thing you need to do in order to be a wealthy, empowered business owner is to deal with your money mindset. 

The only thing? 


Once you make the money mindset shift, the rest of it will fall into place. 

Anyone can follow a strategy or write a to-do list, but without a strong money mindset, you’re going to sabotage your business. 

It doesn’t matter where you are right now — whether you’re just starting out or you’re making good money in your business but are burnt out. 

Over the past 10 years working with thousands of entrepreneurs, I’ve found that there isn’t a single one of us who doesn’t need to keep working on NEW money blocks at each level. Yup, I still work on my money mindset every day.

Once you change your money mindset, everything transforms. 

For years I was stuck in soulless corporate jobs that completely sucked, earning the same amount of money and not fulfilling my potential or helping people. 

But I broke free and I’m here to show you how to do the same; how to change your beliefs about money. 

I’ll show you exactly how to shift your money mindset, so you can start enjoying financial freedom straight away.


What is Money Mindset?

You probably see money mindset issues in action every single day.

Perhaps one of your friends is insanely successful in their business and another struggles on, working long hours and never seems to catch a break? It’s most likely all down to their money mindset. 

What you believe about money can have a powerful effect on your life. 

Your money mindset is a set of beliefs that you have built up since childhood about money, wealth and success. 

This unique set of beliefs (it’s so personalized that siblings can even grow up with different money stories to one another) influences everything from how you save, spend and manage your money. It also plays out in your business too. Read on to find out how.

A huge amount of the work that comes with clearing money blocks has to do with healing generational issues around wealth.

Money stories come in all different shapes and sizes, but there are common themes that all lead back to who we are and the stories that we allowed to become true around money.

I’m here to help you create new, empowering beliefs around money.

There are more and more coaches teaching money mindset and overcoming money blocks every day, many of whom are my students. I have been teaching and writing about money mindset for over a decade and have spent over 20 years in personal development and coaching. 

My books, free resources and events have helped hundreds of thousands of people and Money Bootcamp, my money mindset training program and community is one of the longest running and most highly regarded online courses available. 10 years and 8,000 members strong. 



Understanding Your Money Mindset

Your experiences, ever since you were tiny, all play into shaping your money mindset today.  

If you look at your own childhood, what feelings did you have about money?

Did your mom hide purchases of new clothes or shoes from your dad, because she wasn’t “allowed” to spend money?

If so, you probably feel guilty spending money on yourself or even repeat the behavior by hiding expenses from YOUR partner.

Did your family go through feast and famine periods where you’d have luxurious treats one month, and then old clothes the next?

Maybe you’re repeating the same habits. One week you’re buying champagne, and the next you’re going into debt for simple things like groceries and bills.

Do you feel you have to work hard for your money? Do you have the limiting money belief that only “hard work pays off?” Maybe you procrastinate and then pull all-nighters to “justify” making money.


How Is Your Money Mindset Formed

Your money mindset is formed through your experiences with money and success right from your earliest memories up to the present day. 

The way that your parents or caregivers spoke about money whilst you were growing up helped create a belief system that you are most likely still carrying as an adult.

If you consider what your family money story was it’ll help you to understand how you’ve developed your own current money mindset. I call this your Origin Story and it’s a rich seam of information about the way that you currently deal with money issues.

Did you have a family motto around working hard or money? How was pocket money in your family? All of these foundational experiences can shape your beliefs and self-worth in business. 


Types of Money Mindset

There are four key types of money mindset.

a) Abundance Mindset:

If you are lucky enough to have cultivated an abundant mindset you’ll feel as though there is plenty of everything to go around from money to love, business opportunities to success.

If it doesn’t come naturally to you, there are ways to exercise your abundance mindset muscle! 

Here are three ways to cultivate an abundance mindset

Number One: Make A List

Make a list of everything in your life that actually makes you feel quite rich already. 

It could be that you live in a great house, that you have a great relationship, that you’ve got amazing health. Write a list of all of those things where you actually have a lot of abundance and luck already in your life.

That list will immediately make you feel better and it will give you a bit of perspective.

Number Two: Switch Up Your Thoughts

Have you noticed that when you’re feeling really good about your business and super abundant, that’s when suddenly even more clients start to come in.

Switch up your thoughts and feelings right now in ways that don’t cost you anything.

Burn your super-luxe candles. Use the towels that are just for guests. Wear makeup and perfume and nice clothes that you already have that maybe you’ve been saving for a special occasion.

Number Three: Take Action

Consider the income producing activities that you can implement today and start putting them into place.

It could be that you have to chase up some clients who owe you money. 

Perhaps you need to create an offer.

See how easy it is to shift your money mindset to one of abundance!

 b) Scarcity Mindset

A scarcity mindset is when you are feeling the lack of something. If you have a scarcity mindset around money you may find it difficult to make money or hold on to it once you’ve received it.

If you have this, you may find yourself feeling envious of others success or feeling as though there’s never enough to go around – this can be money, success or whatever.

It can also manifest as anxiety. Perhaps you feel that you’re not good enough, that you don’t deserve success. 

It’s so important to begin the work of breaking free from this scarcity mindset.

Don’t worry – I’ve got some tools and tips to help you grow your wealth mindset.

 c) Positive Mindset

When you focus on the bright side of life, you’re operating from a positive mindset. Life can feel much easier with this mental attitude.

Are you the one who’s always looking for the silver lining in any situation. You focus on the good and tend to have an optimistic outlook.

You expect good things to happen to you.

You’ve cultivated a positive mindset – it’s going to stand you in good stead as we work through how to change your money energy.

 d) Millionaire Mindset

Becoming a millionaire often just requires a mindset upgrade! Cool huh?! You’re maybe just one tweak away.

Watch my 7 secrets to developing a millionaire mindset here.

Here are my four keys to embracing a millionaire mindset. Four key beliefs and affirmations you can borrow to help on your journey towards becoming a millionaire: 

Number One: There’s Always More Money 

We live in a world of abundance. There’s always enough. 

There are always more opportunities.

There are always more ideas.

Your practice business didn’t pan out? That doesn’t make you a failed entrepreneur. Think how many Virgin offshoots Sir Richard Branson has tried out (Virgin Brides or Virgin Cola anyone?). If one idea doesn’t work, there’s always another one around the corner.

The world is an abundant place - and there's always more money. 

Number Two: There Are Easier Ways to Make Money

One of my mindset affirmations is: There are easier ways to make money. 

I say this all the time when I find myself doing the opposite: overcomplicating things, pursuing an idea that’s not exactly in my zone of genius, or otherwise making things harder for myself. 

In the pursuit of the entrepreneurial dream, we often take the hardest route. That’s why a lot of my early businesses failed—not because the ideas weren’t good, but because they felt hard for me, and I just wanted the outcome (the money). 

I pursued loads of good ideas that weren’t a natural fit for me. 

For example, I almost started a business selling toilet hooks. But that’s for another story!

I’m a storyteller. I tell stories on my blog. I speak on stages. I write books. I basically make a living by telling random stories and inspiring people to create the life they want. It’s so much easier than being the ‘Toilet Hook Queen’!

Maybe you’re overcomplicating things; maybe you’re going into the wrong industry, trying to help the wrong people, or pursuing a business that’s simply the wrong fit for your skills and talents. 

There is a path of least resistance; you just have to find it. 

Number Three: Know Thyself and Prosper

Uncover your unique superpowers and use them to create your ideal life and business. 

Find the logical path (for you) and reduce any unnecessary friction. I’m mindful of doing things that work with my personality and not against it. 

I go with the flow.

That doesn’t mean never working. I work a lot, and when I’m not working, I’m often thinking about my work. But it doesn’t feel stressful to me (most of the time). 

The first step is to know who you are. The second step is to accept it lovingly, knowing that your personality is perfect for you and your business. 

Self-acceptance is way more profitable than self-help.

You’re enough. Exactly as you are. 

Number Four: A Wealthy Person Looks Like You

One of the most powerful speakers I’ve ever heard was Suze Orman; she came on stage and said (very slowly and deliberately), “I stand before you a very, very, very wealthy woman.” 

It gave me goosebumps. 

Bragging isn’t generally seen as a positive trait, but what was so compelling about Suze’s declaration was that it was so matter-of-fact and without apology. 

Give yourself permission to be wealthy and successful, exactly as you are now. 

Part of working through your money blocks and shifting your money mindset is identifying your money stories and limiting beliefs. 

I talk openly about being wealthy because I want to showcase a young(ish) self-made millionaire who is a reasonably nice person (most of the time), and dresses, looks, and acts like an average person. 

I’m just not that fancy, and honestly, I think it disappoints some people that I’m not living a more glamorous life. My car is full of sand and McDonald’s crumbs. 

I’m not impressed with eating in super-fancy restaurants. I own very few expensive shoes, handbags, or clothes. 

Most people have a fixed idea in their mind about what “rich” looks like. I know I still do (an older white lady at the country club wearing beige linen clothes, gold leather sandals, blonde perfectly-coiffed hair, and lots of gold jewelry).

Actually, YOU are what a wealthy person looks like.

So there’s my top four lessons on cultivating a millionaire mindset. It’s that simple!


 7 Signs You Need to Work On Your Money Mindset

When it comes to money, sooner or later there’s a wake-up call that happens for each of us. Watch my video on the seven key signs that you need to be doing the money mindset work!

Do you ever feel like there is an invisible glass ceiling holding you back from success?

Maybe you've been stuck at a particular income level for years!

Maybe you’re telling yourself that you’re too busy right now or that money isn’t that important to you.

Maybe you have conflicting feelings about wealth – worried that it’s not for you – or that you’ll have to do something outside of your values to really truly make enough money.

If you’re doing all you can, but still not making the financial breakthroughs you KNOW are within your reach, it’s time to do something different. You need a money mindset reset.

If you’re undercharging in your business, feeling like you’re pushing against the flow of money and can’t figure out why it’s all so hard, I’ve got some answers for you that just might crack the code.

I have 7 signs for you that money mindset is actually the crucial next step. 

Reason 1: You know that it’s your time. 

Each year you set big goals - thinking that this will be the year that all your dreams come true.

You might even have a book that's sitting on your computer 90% done - or a course that's ready to launch but something's stopping you.

Every day you wake up and think NOW is the right time. But the moment your income doesn’t match up to your intelligence, potential and the gifts you offer up to the world.

You're tired of waiting for someone else to choose you - or deem you ready to earn more.

Reason 2: You love personal development but the money hasn’t shown up yet 

You could be feeling like a fraud right now because you're doing everything right but it's just not working.

I bet you have a dream board, you probably journal your goals regularly and damn - you're a positive person. You’ve probably read every abundance book under the sun, but you still feel like there’s a missing puzzle piece.

It feels unfair and if you’re honest with yourself, you KNOW you have sabotaging money behaviors but you can’t change them. That's really normal.

Reason 3: You don’t earn what you’re worth (and you suspect you’re worth a LOT more)

The ‘charge what you're worth’ concept has a bad reputation. Of course you’re priceless but guess what? Your business isn't!

You actually have to name a price. Every day I meet people who are simply undercharging. 

They know it but they feel powerless to do anything about it. You might know it too but you're still getting feedback that you're too expensive - even when you know you're actually drastically undercharging. That's usually the problem.

When you undercharge, you energetically attract clients who will never be happy. And that's so frustrating! 

Reason 4: You want to live a First Class life, but you’re stuck in Economy class. 

I’ve been there and it SUCKS. You’re sick of compromising areas in your life, like where you live, how you dress or travel.

It's exhausting having to justify every penny - wouldn't it be nice to have peace of mind that you can always make more money? You’re seeing other entrepreneurs rapidly increasing their income and you’re kinda jealous that it’s not you. It’s okay to admit it.

Reason 5: You already know that you need a money mindset makeover. 

Maybe this isn’t the first time you’ve checked out my work or read my blog.

You might even go through situations when you think - I've got to sort this out. You start to sweat when you talk to an accountant or anyone “official” about money.

Or you sit and procrastinate sending out invoices. People confess that they are so scared about money. In particular, talking about it and asking for it.

You might even think you're really bad with money but I've never met anyone who I can't help.

You'd be surprised about how practical money manifesting can be. It's not about lighting a candle under the full moon and making wishes. It's about taking a practical inventory of your past experiences - and examining all your beliefs and habits around money.

Reason 6: You feel like you repel money. 

Maybe you have a real feast or famine relationship to money. You know how to manifest money quickly when you really need it, but it’s not predictable or it comes at a great personal cost (like stress or burnout).

When you have a good month - you often attract unexpected bills or fines that wipe it all out.  So you're always going two steps forward - one step back. That can be so frustrating! 

Reason 7: You want to make more money but you're also scared. 

People are surprised to learn that even millionaires are scared. Making more money and shifting your money mindset doesn't make the fear go away.

For example - you could be scared by your own potential because your vision for your life is HUGE. You sometimes worry about what it would mean to be truly wealthy – that somehow it would turn into a negative experience or you’d sabotage it in some way.

  • You worry about tax bills - you worry about getting into trouble.
  • You worry about losing your privacy or safety.
  • You worry about friends and family asking you for money. 
  • You worry that it's actually going to be a huge negative experience. 

That's really common - and can you see these conflicting things and how much they are holding you back?

Ok - that's 7 pretty big signs you need to work on your money mindset.

How much money do you think you’ve left on the table because of your money blocks?

Let’s work to shift your money mindset so that you can begin to attract the wealth you deserve.



How to Change Your Money Mindset

I’m passionate about mindset work and how to change your money mindset. I carve out time every day to do my money mindset work. This has had a huge impact in my business. 

Back in the early days I realized I was spending a ton of money on things like courses and events that actually weren’t giving me the mindset boost that I needed.

I started out with my fundamental belief that money was really hard to get. I grew up with the mindset that I had to work really hard to make money. Let me tell you this surfaces at every level of my business!

I’ve seen this so much recently with entrepreneurs; they’re making money, but struggling to keep it, because they don’t realize they have these underlying sabotaging patterns around money.

Wealth itself will not cure your money blocks; it actually amplifies them.

When rich and famous people totally screw up their money situation, I think it’s because they haven’t dealt with that underlying stuff. They haven’t worked on their money mindset. 

Once you know your particular money blocks and sabotages, you’ll be clearer and free-er! 

You’re less likely to overspend, or block money from coming to you in the first place. You won’t sabotage it when things get good.

Working on your money mindset is an ongoing process, but one that will absolutely change your life for the better. 

Clear Your Money Blocks

Have a really honest look at your money blocks.

Check out my video to unearth your most common money block here.

This is a great opportunity to revisit your money beliefs.

  • What are your thoughts and feelings about money right now?
  • What are you telling yourself about money?

Maybe you’ve slipped into old bad money habits or maybe you’ve forgotten that you need to work on your money mindset all the time.

Even though I’m a millionaire and I teach this stuff, I’m constantly working on clearing my money blocks.

If I start to think…

“I know everything there is to know about money. I don’t need to worry about this.”

Well, guess what? My income will plateau as well.

Here are four ways to shift your money mindset and clear your money blocks

WRITE THEM DOWN Write down your biggest money blocks and then go through the list, taking time with each one and asking yourself, ‘Is this really true?’ Most likely you’ll discover a lot of self-sabotage hiding out in that list!

DO THE MINDSET WORK EVERY DAY Book out regular time each week to look at your money blocks and assess whether they are really true or not. Focusing on this regularly will help you get to the next level more quickly and easily.

CHECK FOR SABOTAGES Hunt down any sabotaging behaviors. Notice where you’re hiding away or feeling guilty. Look for a tendency to procrastinate launching or otherwise sabotage your success. 

CALL IN THE EXPERTS Add a mindset expert into your team, including working with someone like me to release your money blocks. It's totally okay to pay for that kind of help. In fact, I think it's super important. 

Create Empowering Beliefs About Money

There are two practices that I love for helping you create more empowering beliefs about money. 

Firstly, express gratitude. Acknowledge how far you’ve come.

So many of us just go for the next goal, next goal, next goal without any space in between. No wonder our successes feel a little bit empty because we’re not acknowledging them.

Take a little breather and appreciate all that you’ve achieved so far. This will help you get in the right mindset for calling in more abundance. It’ll help you feel more empowered.

And secondly, give yourself permission to earn more.

You have to actually give yourself permission.

Use these affirmations:

  • It’s safe for me to make more money.
  • It’s safe for me to go to the next level.
  • It’s safe for me to earn more than my partner/peers/parents.

Give yourself permission to earn more. You need to know that it’s okay for you at a cellular level.

It’s okay for you to make more money. Remind yourself constantly.

These two actions practiced regularly will help cultivate more empowered beliefs about money.

Practise Money Affirmations

I absolutely love a good affirmation. I think they can have a really powerful impact on your life and business and can be as powerful as reading a book or taking a course.

Affirmations are a huge part of how I’ve manifested my First Class life and business. I always recommend them as a great starting point if you’re looking to drastically upgrade your money mindset.

Affirmations are great pattern interrupters that can help shift your energy and mood. 

So what are the best affirmations to use to grow your business and abundance?

Here are the affirmations I’m loving right now to transform your money mindset:

Affirmation #1. My Face Is My Fortune

I use this one all the time.

This is for all you entrepreneurs out there: don’t hide!

For your customers to connect with you, you need to be seen. 

People love connecting with an actual person – and although you think you’re not perfect, that’s exactly what they want to see! 

The way to differentiate yourself in a crowded market is to be unapologetically YOU. 

Yes, even at your current weight. Even though you think you’re not “ready”. 

Even if you worry that you’re not good enough. 

Affirmation # 2. I Serve, I Deserve

When I first started using this affirmation, it completely changed the way I felt about my impact on the world, and my ability to receive abundance in return.

I used to feel terrible that I couldn’t help everyone, and would constantly feel guilty. 

Have you ever had those 3am guilt-trips? 

The truth is, that when you have a business, you could work 24/7 and still not feel like you’re doing enough – there’s no “clock off” time for most of us. 

You’re probably serving all the time.

Well, guess what? You’re allowed to receive abundance in return for all that good you’re putting out into the world. 

Affirmation #3. This Is What A Wealthy Person Looks Like 

This one will change your life.

When you think about the stereotypical “wealthy person” – what do you think they look like, sound like, dress like?

Do they look like you? 

I used to think I wasn’t allowed to be wealthy because I liked to dress casually and eat at Pizza Hut. 

Go look in the mirror, and say this affirmation to yourself. 

Point at your face and say “THIS is what a wealthy person looks like”.

Using affirmations takes a bit of effort to remember, but if you can get into the habit, you’ll see huge results in a very short time. 

Create Money Goals

When it comes to setting income goals, it’s really common to get blocked, or feel like you’re not doing it right. It’s so important for a positive money mindset.

Do you set a BIG STRETCH goal?

Will you put out mixed messages to the Universe if you change it too often?

For a lot of entrepreneurs, picking a number can feel really hard, and many people are scared to commit to a number in case they get it wrong.

Setting an income goal is a really important part of being in business - this alone will help you

  • Stay focused
  • Make decisions
  • Reach the next level
  • Save time, energy and money!

Firstly, don’t overthink it

The most important thing is this: don’t overthink your goal setting to the point that you NEVER do it.

Just pick a number; it’s not set in concrete. Goal setting is free – you can do it as many times as you like, and change it whenever. It doesn’t cost you anything to set a goal.

The big secret is that your INTENTION and CLARITY are the most important things and a goal that you change over time, is better than no goal at all.


Read Books That’ll Influence Your Mindset

Each of my three books is packed with ideas to help you upgrade your money mindset in a fun and easy way. 

Get Rich, Lucky Bitch: Release Your Money Blocks and Live a First-Class Life

Are you ready to get rich? Learn how to break through your money blocks, attract more abundance and start earning what you're really worth. 

In Get Rich, Lucky Bitch! you'll learn how to unlock your hidden potential for abundance and upgrade your life forever. 


Chill & Prosper: The New Rules for Creating Success, Freedom, and Abundance on Your Terms

Want to make twice as much money with half the work? Embrace my millionaire mindset advice and use my business tools to attract success and abundance. 

 You’ll get invaluable business advice and counterintuitive money mindset lessons (no blood, sweat or tears necessary) which will set you on the path of abundance - without the hard work.  Click here to buy.


Lucky Bitch: A Guide for Exceptional Women to Create Outrageous Success

 This book is all about how I traveled the world and made all my dreams come true within the space of a few years. 

 Find out how I attracted more than half a million dollars-worth of free travel, scholarships, prizes and bank errors in my favor!  Click here to buy.


Believe In Yourself

I believe in you! 

It’s time to start believing in yourself. 

Place your hand on your heart and say, “It’s safe for me to shift my money mindset. It’s safe for me to have a healthy relationship with money.”

I want you to know that you CAN transform your money mindset. 

No matter whether you’ve just discovered this work or if you’ve tried many times before. 

You have the power to transform your relationship with money. 

You can create a money mindset that is empowering, inspiring and allows you to serve your community and loved ones with your unique gifts.

Money is such a powerful tool and having a positive money mindset can literally transform your whole life!


What Happens When You Change Your Money Mindset?

When you change your money mindset, your thoughts of scarcity and lack are replaced with deep peace and trust.

You feel safe, supported and abundant.

Once you clear away the old behaviors and beliefs that are no longer serving you, this will be mirrored in your outer reality and your finances as well.

You’ll feel a deep shift in your body: an expansive feeling of more ease and core stability in your nervous system after you have done the work to shift these patterns.

Your abundance will increase on all levels.

I started so many different businesses when I was younger (internet dating guide for men, raw food coaching for brides!) but I couldn't seem to make money from any of them. I practically repelled money!

One day I decided something major needed to shift.

I put all my effort into overcoming my money “stuff” and now I’m a self-made millionaire.

Money Bootcamp member, Amoya Shante joined my program to work on her money mindset:

"I've invested in myself and am living my dream life!"

I'm celebrating my first 35k launch! I joined Bootcamp back in January. This course allowed me to invest even more in myself and get certified in NLP & Hypnotherapy. 

Those certifications led me to creating an amazing program, increasing my prices by ten times, and promoting my product with absolutely no blocks getting in the way. 

I also decided to live my dream life; splitting my time between Merida, Mexico and Austin, TX. So much goodness has come from joining this course. I am forever grateful!"


Joanna Hunter manifested her dream house. She was homeless when she joined Money Bootcamp:

"I kept showing up and made my dreams come true!"

Last weekend I moved into my dream house, with mini forest, library, beautiful office and even an art studio! 

Six years ago my credit rating was on the floor and we would never have imagined we could have a place like this. 

A deeper certainty has taken root around my work – now I know with total conviction how powerful it is. I am living my dreams out loud. I wish I could bottle this feeling! 

As Denise says, keep showing up, keep believing in the power of your dreams.” 



Money mindset work is ongoing.

Money blocks and limiting beliefs will keep popping up. 

And these old stories can really derail your success. The good news is that working on your mindset will have a powerful impact on your ability to reach your goals quicker.


  • You’ve just doubled your income whilst working half the hours.
  • Had your best ever month and finally broke through that plateau
  • Signed the contracts on your dream house
  • Retired your partner
  • Freed yourself up from ever having to work weekends again
  • Bought trip-of-a-lifetime tickets for a holiday for you and your family

That’s the value of doing this money mindset work. It will completely transform your life!

And you are totally prepared for this!

It’s your time and you’re ready for the next step,

xx Denise

Ps: If you want more support and practical money mindset advice from me, to help you work through common blocks and money fears, my money mindset course, Money Bootcamp, will revolutionize your life and help you release all the fears holding you back. Plus give you access to a next level community to be your cheerleaders every single day! Plus monthly live trainings with me!


Free Money Mindset Training

The 7 Most Common Money Blocks and How to Clear Them

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