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Money wellbeing: Finding your currency

Published on
6 August 2025

We begin this journey by helping you unlock your own money story - to help you become aware of your past and to start thinking about your money future.

Are you good with money? Chances are what comes to mind in response to this question are thoughts and images like:

  • Managing money is hard and scary
  • I don’t have enough money
  • I’m not an expert
  • I've made too many mistakes with my money.

These stories you tell yourself (and others) about money can powerfully shape your life. This is why it's important to understand what influences your ideas around money.

If you only look at what society declares, you might believe success is solely measured by how much money, possessions and experiences you have.

But there is another way of achieving money wellbeing that has nothing to do with society's version of success. This starts by acknowledging what you're already doing well with your money and opens a pathway for positive action.

3 Steps to get started

  1. Redefine success... and acknowledge yours! Rather than relying on the outside world’s definition of success, create your own. We help you do that by looking at what you truly value - the deep principles that guide who you want to be and what you want to stand for (see page 12 of our You're The Boss free eBook).
  2. Know you can grow. A growth mindset is an understanding and an attitude that all humans have the ability to change. Mistakes don’t define you, they help you grow. A fixed, rigid mindset might say, “I’ve never been any good at saving money so there’s no way I’ll be able to afford to travel to my friend’s wedding next year”. But a growth mindset would frame it differently; “I haven’t saved well in the past, but today I’m going to set up a direct debit from my pay into a separate account so that I can make sure I will be at my friend’s special day”.
  3. Simply change one thing. It’s about changing one thing. One small change in behaviour can build a new habit that fits in with your personal definition of success and move you towards who you want to be. And if you need help, Moneycare has the skills, experience and passion to provide it.

So... are you good with money?

You're probably better than you realise when you define success for yourself, make small changes that work and get help along the way! You can be the boss of your money.

Activity:

Can you write down (right now!) ten things you are already doing well in your money life? Here are a few ideas to help you get started:

  • I have set up a plan for paying my utility bills
  • My tax returns are up to date
  • I know where my super is
  • My Will is up to date
  • I avoid harmful products like payday loans
  • I always provide for my family

How did you go? What did you notice? Don't stop at ten things!

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