My relationships with money were never simple. I was raised in a household where money was never in abundance. At 17 years old when it was time to go to university, I had no idea who I wanted to be when I “grew up”. My parents told me that the accountant profession was respectable and well paid. Financial stress and feelings of scarcity had driven the choice of my profession. Luckily, I got into accounting and really enjoyed my studies and future professional life.
Being an auditor and accountant, I never seriously thought about my personal finances. I earned money and I spent money. I never knew exactly where my money went. I travelled the world, moved countries, enjoyed experiences without thinking of my financial future. Now looking back, I believe I was compensating for my childhood’s financial struggles.
Wake up moment happened 4 years ago. I started thinking more and more about having my own place. However, I faced two limited beliefs that did not allow me to move forward with this project:
- Mortgage is a burden, and I will never be able to afford to buy a property on my own without any support.
I challenged my belief. I did a few calculations and realised that I could afford to get a mortgage by myself. There was one problem though. I did not have a down payment. I had to save up for it somehow. This is when I realised that my expenses needed a full audit. After reviewing all my expenses, making necessary adjustments, running a regular budget, and organising bank accounts I managed to save up the required sum. First time in my life I had a full understanding of where my money was. It felt good. I loved to be in control of my finances. Mortgage didn’t sound terrifying anymore.
- I should buy property only together with a partner.
For many years buying a property has always been associated with family to me. Therefore, I always believed that I would buy a house only together with my future husband. Only years later I understood that it was co-dependency issues I suffered from in my “previous” life. Through personal transformations I realized that my relationships status does not impact my happiness, harmony, goals, and dreams. That was an insight that changed my life. I wanted to have my own house where I feel good, where I live and create. There was no need to link buying a house to having a husband anymore.
I shifted my money mindset and purchased my first apartment. I overcame 2 limited beliefs that held me back.
My relationships with money changed too. I became more mindful, paying attention, and smarter with my money choices. I continued budgeting and being fully aware of my finances. I think about my financial goals and future. I’m always looking for the opportunities to be more financially well.
Money was a scary topic for me once. Not anymore. What I have learned through the process – always question the beliefs which hold you back from moving towards your dreams. Most of the time they are false and could be destroyed through asking yourself right questions, self-development work, therapy, or coaching sessions etc. Never allow the internal doubting monsters to take control of your life.