How to change Your Money Thoughts

February 06, 2025

Rewire Your Money Mindset: The Thought Shift That Changes Everything

Psst! Want to hear a money secret? The way you think about money is shaping the way you behave with money. And most of us are running on old, unhelpful money thoughts without even realising it.

In this mini Money Secrets episode, we’re diving into how your brain is wired to keep you safe—not make you rich and what you can do to shift your mindset for better financial results:

Money thoughts drive money behaviours: The way you think about pricing, expenses, and cash flow directly impacts how you act with money.
Your brain will try to stop you: That primitive part of your brain sees anything uncomfortable (like raising prices or chasing invoices) as dangerous, and it’ll do everything it can to convince you to avoid it.
You can rewrite the script: Spot the old, limiting money thoughts. Replace them with new ones that lead to empowered financial decisions.

The truth? You can shift the way you think about money—and when you do, you’ll start making more of it. Hit play now and start rewiring your money mindset 🎧
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We’ve come so far as a society in many ways, but money is one of the areas where progress hasn’t been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.

In this podcast, Money Secrets, host Fiona (Fi) Johnston—Chartered Accountant, small business advocate, and impact enthusiast—dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.

Fi’s mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make—and manage—more money.

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Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business

If you are excited for what’s to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.

Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us?

Or check out the Peach Business website here to find out more about Fi.

Check out my FREE Pricing Training you need to set your prices for profitability.

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This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.

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Episode Transcript

[00:00:00 Fiona Johnston
We've made a lot of progress as a society in many of the areas that we needed to in the last few hundred years. But one thing that has not changed enough is money. If we want to be able to tip the scales towards the favour of marginalised people, we need to understand the secret. money in small business.
The more we talk about money and the secrets that usually stay at the golf club, the more likely we are to be able to make money. My mission is to get more money into the hands of good people, specifically good business people like you. This is Money Secrets, the place to learn about the money secrets of successful small business owners, because I believe small business can change the world. And in order to do that, we need to be making a lot of money. Let's go.

[00:00:51]
This podcast episode was recorded on the lands of the Wurundjeri people of the Kulin Nation. And I'd like to acknowledge them as the traditional owners and custodians of this land and water that I live. work and play on. I'd like to pay respects to Elders both past and present and note that sovereignty has never been ceded.
This always was and always will be Aboriginal and Torres Strait Islander land.

[00:01:17]
One of the best things that you can do for growing your money in your bank account is to be able to understand what thoughts you're having about money. What you might like to do is think back on the last seven days in your business or perhaps the last month.And try to think about what thoughts seem to come into my mind a lot about money during that time. Sometimes it can be hard to know what our money thoughts are. So another way of coming at this might be to look back at how you have behaved with money in the last week or the last month. What are the ways that you've behaved that have been surprising to you? What are the ways that you've behaved that have been helpful? What are the ways that you've behaved in the last week or month about money that have not been helpful? And I can tell you that that stretches back to the thought that you are having about money.

[00:02:14]
So my very simple and quick tip today is to try to understand what thoughts you are having about money that are leading to the behaviors that are happening in your business that are not serving you. The goal of your brain is to keep you alive. not to help you make more money. So your brain will do everything it can. That primitive part of your brain, that's only job is to keep you alive. That part of your brain does not care about you making money, being successful, being satisfied or fulfilled. All it cares about is keeping you alive.

[00:02:52]
So you might find that when you uncover what those thoughts that you're having about money are, Your brain is perceiving those as being dangerous to your welfare. So whenever we think about something as being either scary, overwhelming, boring, or hard, our brain will do lots of work to convince us that we shouldn't do that thing because it might potentially kill us.

[00:03:18]
Now putting up your price or sending an email to a client to ask them to pay an overdue invoice, those things are not going to kill you. But your brain doesn't understand that. The primitive part of your brain doesn't understand that. It perceives that there is some kind of discomfort, hardness, or potential for danger, and it will tell you all the reasons you shouldn't do that.

[00:03:41]
But it is possible to be in control of those thoughts. So my tip for you today is to uncover what those money thoughts are that are leading to those behaviors, then to think about what behavior you would like to be doing and try to work out what kind of thought might lead you to that behavior. And then the next time the old money thought comes up, you can try.

[00:04:04]
To also think the new money thought that's there. I'm not saying that you're going to be able to transform your money thoughts just with one thought. But what I am saying is that it is possible to change the way that you think about money, which will change the way that you feel about money, and that will also change the way that you behave with money.

[00:04:25]
So if you don't love the way you're behaving with money, think about how you're thinking about money and see what you can do there. I hope that little tip has been helpful and I'm thrilled you're here.

[00:04:47]
Thank you so much for listening right up to the end. I hope you enjoyed this episode of Money Secrets, where we talk about the money secrets of successful small business owners. If you enjoyed the episode, I'd love it if you'd subscribe to the podcast. But leave us a review or share this episode with one of your friends. I hope you learned something. I hope you got a new perspective and I really hope you enjoyed the listening experience.

How to change Your Money Thoughts

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