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Life Planning

Why your money language matters


Kim Potgieter

Kim Potgieter

May 22, 2022
One of my all-time favourite quotes must be this one by Bruce Lee: “As you think, so shall you become.” It holds so much meaning for life, but it is also especially true for how you think – and talk about money.

The last two years have been exceptionally challenging: spiritually, physically and financially. The economy remains slumped, and it is especially now, in this time, that your money mindset can drive positive change – from the inside outwards.

I often speak of things you can and cannot control, and I want to remind you to focus your energy and attention on what is in your power to change. It is problematic to earn in the current economy, and many of us have experienced extreme hardships in the wave of crises that have severely impacted our lives. But most of these events are not in our control. What you can control is your mindset – and your money language.

Remember that YOU are your biggest income generator. I always tell people that they are their greatest assets. If possible, invest time and energy in yourself and pay yourself first. Find ways to grow the asset that is you and explore learning, teaching, mentoring or interning. Be kind to yourself; grow your confidence, and focus on the internal work that must be done to foster a positive mindset for change and opportunity.

But most of all, mind your words. Your self-worth does not link to how much money you have, how much you earn or what you own. Remember that your thoughts reflect the words you use – creating your future. Practice using positive affirmations to change your outcome. Here are some examples.

Saving is not hard – it’s a habit that you can learn. By putting money away for your future, you are not simply saving – you are investing in your future self. I often hear people resent ‘losing’ part of their salaries to retirement contributions – but putting money away for your future self is absolutely worth it.

If you have been putting off having a joyous life and keep telling yourself that you will be happier when you have more money, stop yourself. Happiness is not for sale.

I often meet people who say, ‘I will never have enough.’ But you can change your outcome. You can save more, spend less, and make some sacrifices. Many of my clients abhor the word budget – it makes them feel restricted. I call it a spending plan – if you know where your money is going, you can intentionally start sending money in the right direction.

I have spoken to clients who feel deprived and taken advantage of when their companies structure part of their funds into retirement investments. Instead, think and talk about it this way: these funds empower you to put money away tax-effectively. How can that make you feel deprived?

Remember that your thoughts can become your reality. If you continually tell yourself that ‘I’m not capable of earning more,’ or ‘I’m not capable of being wealthy’ – you may well make it come true. Catch yourself when you think these things.

Challenge your mindset and your money language. Chances are that the stories you tell yourself about your worth, capability and potential are not based on reality. They are simply stories made up by your perception of things. A positive, healthy money language will go a long way in your belief that money is not your master – but that money is here to serve you.

Always remember, when it comes to your money, be inspired, be brave and be on purpose,


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