Exploring Early Money Memories, Inherited Beliefs & Observed Patterns

Introduction

​

Before we can fully embrace abundance, it's good to understand the journey that brought you here.

These prompts invite you to gently reflect on your earliest experiences with money, the beliefs you inherited and the patterns you've noticed throughout your life.

This is a space for curiosity, not criticism. Every insight is an opportunity for growth.

​

Part One - Early Money Memories

​

Take a slow breath before answering these questions. Allow the memories to come naturally.

​

1. What is your very first memory involving money?

Who was there?

How old were you?

How did you feel?

2. As a child, what did money represent to you?

Was it...

Safety?

Stress?

Freedom?

Arguments?

Love?

Security?

Something else?

3. Can you remember a time when money made you feel happy?

What happened?

How did it make you feel?

4. Can you remember a time when money made you feel worried, frightened, embarrassed or powerless?

What emotions still linger today?

5. When you wanted something as a child, what usually happened?

Were you encouraged?

Told no?

Made to feel guilty?

Expected to wait?

How has this influenced you as an adult?

​

Reflection - If your younger self could tell you one thing about money, what would they say?

​

Part Two - Inherited Beliefs

​

Sometimes the beliefs we carry aren't ours at all. They've simply been passed down through generations.

Take a moment to reflect with kindness.

​

6. What phrases about money did you hear most often growing up?

Examples:

"We can't afford it."

"Money doesn't grow on trees."

"You have to work hard for every penny."

"Rich people are greedy."

"There's never enough."

Which ones stayed with you?

7. How did the adults in your life behave around money?

Did they...

Save every penny?

Spend freely?

Avoid talking about money?

Argue about finances?

Give generously?

Work constantly?

8. What beliefs do you think your parents or caregivers inherited from their own parents?

9. Which of these beliefs still influence your decisions today?

10. Which beliefs are you ready to leave behind?

​

Reflection - Complete this sentence:

"I lovingly release the belief that _________________________ because it no longer reflects the life I am creating."

​

Part Three - Observed Patterns

​

Money often follows patterns until we become aware of them. These questions help you notice your own.

11. Have you noticed yourself repeating the same financial cycle?

Examples:

Earning then overspending.

Avoiding finances.

Feeling guilty when spending.

Undercharging.

Not asking for help.

Saving but never enjoying your money.

12. How do you usually feel when you receive money?

Excited?

Uncomfortable?

Relieved?

Worried?

Deserving?

Undeserving?

13. How do you feel when you spend money on yourself?

14. What emotions come up when you think about becoming wealthy?

15. Have you ever held yourself back because success felt scary?

In what ways?

16. What patterns do you notice in your relationships with work, money and worth?

​

Reflection - If money could speak, what do you think it would say about your relationship together?

​

Part Four - Choosing Something New

​

This is where your story begins to change.

17. What money story am I no longer willing to live?

18. What new story feels more aligned with who I am becoming?

19. What does my abundant self think about money?

20. What is one belief I choose to practise every day from this moment forward?

​

Final Reflection

​

Place your hand over your heart.

Take three slow breaths.

Complete these sentences.

I am grateful for...

Today I discovered...

Today I choose...

I am becoming someone who...

​

Closing Affirmation

My past has shaped me, but it does not define me. I honour my journey, release what no longer serves me and welcome a new story filled with abundance, trust and possibility.