Pero I can do it too

Steps To Change Your Relationship With Money



If you are a woman of color and grew up low income and you are reading this, I am excited you are here! You have probably tried to pay off debt and save, and nothing is working.


I want to address what is happening that goes beyond budgets and bank statements.


You are not alone. How we think and feel about money is profoundly influenced by our upbringing and how it made our parents feel.


An unhealthy relationship with money:


For instance, during the 2008 market crash, many families lost their homes, and this can mean that you now fear losing your job because you do not want to lose your home.


Growing up low income meant our parents only had money for the necessities. As a child, you probably wanted a toy you saw at the store, or you wanted new clothes like the kids at school, but you often had to be okay with only what was provided to you. Nothing extra.


Your money story is rooted in your upbringing and can show up in two ways:


#1 As an adult, you are now making more money than you ever saw your parents earn. You increase your spending because you now say, “I deserve this.”


#2 You spend less because you fear you will go back to that place where you only had enough for the necessities and nothing extra.


Here are four different ways you can change your relationship with money and rewrite your own money story:


Reflect on your money story


Understanding your relationship with money starts with exploring your money story. Take a moment to reflect on your earliest memories related to money.


Did your family talk openly about finances, or was money a source of tension in your household? Are you afraid of failure, debt, or never having enough?


Being aware of these memories can help you identify patterns and beliefs that might be shaping your current attitude toward money.


Set realistic money goals


Create a realistic budget that works for you. Make informed decisions about borrowing and using credit responsibly. Unexpected life events will always happen.


Take care of yourself by saving an emergency fund. Consider retirement and how much you can invest depending on your goals and risk tolerance. The sooner you start investing, the longer that money will work for you with compound interest.


Practice mindful spending


Being mindful of your spending habits, tracking your expenses, and understanding the emotions behind impulsive purchases can help you gain control over your finances. Being financially aware is not being cheap.


Learn to differentiate between a want and a need, and practice gratitude for what you have. These small mindfulness steps can significantly impact your relationship with money.


Challenge your money beliefs


Are you holding money beliefs that are not serving you?


We all have deeply engrained money beliefs; some are positive, but others are limiting and stubborn. Challenge those beliefs, and in which part of your money story are they coming from? You have the power to replace those limiting beliefs. You can rewrite your money story and decide to have positive and abundant money beliefs.


Embrace lifelong learning


Accepting to be a student is critical to changing your relationship with money. Educate yourself about budgeting, paying off debt, investing, and building generational wealth. Attend workshops, read books, read blogs, listen to podcasts, or work with a money coach. The more you educate yourself, the more confident you will manage your money.


Changing your relationship with money takes time and patience.



When we work together:


  • I help you reflect on your money story and identify moments that are shaping your current now
  • I help you practice healthy money habits by planning out your goals
  • I help you challenge your money beliefs that are limiting you from reaching your best life and money goals


If this resonates with you, I invite you to work with me! I want to help you improve your relationship with money and attract abundance. Book a sales call.


I cannot wait to be part of your journey!



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Orlenda Cortez

Welcome to my corner on the internet! I’m obsessed with using money as a tool because it led me to pay off $30K in consumer debt in a year and a half, helped me save $20K in nine months to have my dream wedding in Costa Rica and is helping me build the life I never saw my family experience. Now I want to help others do the same!

Orlenda Cortez
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