4 Hidden Truths About Poor Money Habits

When I meet women interested in coaching, often struggles with finances will surface. It doesn’t matter their educational level or job title; they’ll whisper their private struggles and dysfunctional habits. If they’re still in denial, they’ll list all the reasons why their bank account balances are due to circumstances outside of their control. What they don’t realize is that both answers tell me more about why they are broke than their salary, family size, or geographic location do combined. What do your money habits reveal about you? Take a look.

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Hidden Truth 1: Your Problem-Solving Skills

Here are two prominent, unhealthy patterns:

If you’re “robbing Peter to pay Paul,” I can tell that you’re a short term thinker who doesn’t put much weight into tomorrow or long-term planning. Instant gratification matters to you, whether you grew up in poverty where security wasn’t promised or you grew up indulged where you could always get what you wanted.

If you let bills pile up and dodge bill collector phone calls, I can tell you’re an avoider. You tend to think that if you ignore a problem or a person long enough, they’ll just go away. The fact that this rarely works is not a deterrent. You hope that the next time, it just might.

Which one is your most dominant habit, even beyond money?

Hidden Truth 2: Your Self-Worth

Even though your bank account balance does not determine your value, I can tell very clearly what you think about your  self-worth.

First, where you spend your money (beyond basic necessities and utilities) reveals what is important to you. It also reveals your chosen poison for avoidance or self-medication (snacks, pre-cooked food, “retail therapy,” designer bags, and the lot). Don’t get me wrong, self-care is a must and often that care comes with a price tag. But there’s a vast difference between spending to appreciate one-self and spending to create a mask.

Second, if you spend on every one else before you spend on yourself, that also sheds light into your sense of self-worth.

Where does the majority of your discretionary income go?

Hidden Truth 3: Your Trust in God

Yeah, I said it. Take a deep breath and get through this moment so you can hear me clearly. Too often, we create, rush, and push plans that have nothing to do with what God wants for our lives. We know it because we are too afraid to pray for that outcome because we “know better.” Or we ignore all the ways that God is trying to remove that plan for our life and instead make it for a test. And the last thing we do, focus on something that has nothing to do with our God-given purpose because want a quick-fix or to instant security or validation. When we do any or all of these things, we are really saying to God, “I don’t trust your plan you have for me, so I’m going to take care of it the way I see fit but then I’ll pray and wait on a miracle when it doesn’t work out.”

Are you trusting God to create your strategy or are you waiting for a bail-out plan?

Hidden Truth 4: Your Walk in Your Purpose

Last but not least, your money habits reveal to me what you understand about your divine purpose. If you understand your divine purpose, then all actions, commitments and plans should be made in alignment with that. When you don’t have a clear, divine vision, it’s easier to spend recklessly both on things that are not important or in such a way that you can’t use your money as a tool.

Do you understand your divine purpose in life?

So Now What?

You have to do the work to uncover the mental blocks that are holding you back. These issues aren’t going to disappear with a raise, a tax refund or hitting the lottery. It will take dedicated effort to adjusting your problem-solving skills, your self-esteem, your faith walk, and your commitment to your purpose in life.

You got this!


 Heal Your Money Master Class– April 15th 10am central

Enroll Here


  • Your worth is beyond financial security
  • Healing your heart and your past will heal your money issues
  • Financial stability required long term habits, not reactionary short-sighted decisions
  • Change happens incrementally; it isn’t all or nothing
  • You have more control than you realize

During this 3-hour, live, video masterclass, you will:

  • Identify our emotional, mental, and social root issues and tackle them once and for all
  • Create budgets that actually work and not leaving us eating Ramen noodles before payday
  • Hold each other accountable in safe sisterhood


Enroll Here

When you ENROLL BEFORE FRIDAY, 4/13, you will enjoy these bonuses:

  • Self Care and Self Love Planner

An interactive guide and planner to increase intentionally create opportunities for more ease and more restoration.

  • “Why Leaders Burn Out and How to Reverse It” Mini Course

A comprehensive video course identifying the hidden symptoms of burn out and specific strategies to restore energy, efficiency, health, and joy.

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