How to Attract Money into Your Life

Before you can attract money into your life, you need to understand your relationship with it.

That may sound like an odd concept. After all, money isn’t a person. It doesn’t talk back, it doesn’t make demands, and it doesn’t hold grudges, at least not in the way people do. But make no mistake: you are in a relationship with money. And like any relationship, it’s shaped by your thoughts, emotions, history, expectations, and behaviour.

Right now, whether you realise it or not, money is responding to how you treat it. Do you respect it? Resent it? Fear it? Avoid it? Chase it? Feel unworthy of it? All of those unconscious emotions and beliefs are shaping the amount of wealth you allow yourself to receive and retain.

So, let’s start by unpacking what kind of relationship you actually have with money, and how it may be either inviting wealth in or keeping it at arm’s length.

Money: Energy, Tool, and Mirror

Most people think of money as a fixed thing, a bank balance, a wad of cash, a number on a payslip. But at its core, money is much more than that. It’s:

Energy: Money flows. It moves. It circulates. And like all forms of energy, it responds to your energy in return.

A Tool: It’s not good or bad. It’s neutral. It amplifies who you are and what you value.

A Mirror: The way you treat money reflects how you see yourself, the world, and what you believe you’re allowed to receive.

If you see money as scarce, you’ll behave in ways that reinforce scarcity, hoarding, undercharging, procrastinating on opportunities. If you see money as abundant, you’ll behave with trust, generosity, and expansion. And money will reflect that right back to you.

You don’t get what you want, you get what you’re aligned with.

Childhood: Where Your Money Mindset Was Born

Most of our beliefs about money were shaped long before we were even aware of it.

Think back to your earliest memories around money. Did your parents argue about it? Did you hear phrases like, “Money doesn’t grow on trees,” or “We can’t afford that”? Was money a source of stress or silence in your household? Or did it represent freedom, security, and possibility?

Here’s the kicker: even if your childhood had nothing to do with your current income level, the beliefs formed in those early years still shape how you relate to money today.

If you grew up in a home where money was always tight, you might carry subconscious beliefs like:

“There’s never enough.”

“Money causes stress.”

“Rich people are greedy.”

“I have to work really hard just to survive.”

These beliefs can linger for decades. You might think you’ve outgrown them, but if you find yourself undercharging, overspending, or feeling guilt around wealth, they’re still in play.

The good news? Once you become aware of these patterns, you can change them. But awareness has to come first.

Emotional Triggers Around Money

Money is one of the most emotionally charged topics on the planet. People would rather talk about sex, politics, even their deepest fears, before they talk honestly about their financial lives.

Why?

Because money is wrapped up in identity. In shame. In self-worth. In visibility. It represents our ability to provide, to succeed, to be safe, to be powerful. And when we feel out of control or inadequate with money, it triggers deep emotional responses.

Here are some common ones:

Fear: “What if I can’t pay the bills?” “What if I lose everything?”

Guilt: “I shouldn’t want more money, it’s selfish.” “I have more than others. I feel bad.”

Shame: “I’m bad with money.” “I should be further ahead by now.”

Pride: “I don’t need help with money.” “I’m self-made. I’ll figure it out alone.”

These emotional triggers aren’t random. They’re rooted in stories, stories you’ve absorbed, inherited, or repeated so often that they feel like facts.

But here’s the truth: feelings about money aren’t facts. They’re just signals. And if you pay attention to them, they’ll show you exactly where your money work lies.

What’s Your Money Story?

Let’s try a simple exercise. Don’t overthink it, just answer honestly:

Complete the sentence: “Money is __________.”

When I have money, I feel __________.

When I think about wealth, I worry that __________.

Growing up, I learned that money was __________.

I wish I could stop __________ with money.

These prompts may seem basic, but they often reveal deep-seated patterns. For example:

If you answered, “Money is stressful,” it’s no wonder you unconsciously push it away.

If you feel guilty having money, you may sabotage your success as soon as you get ahead.

If you think wealth is for “other people,” you may not believe you're allowed to have it.

Whatever your answers, write them down. Reflect on them. These are clues to your current money vibration, and why it might be blocking the flow of wealth.

Real-Life Story: Tessa’s Money Mirror

Let me introduce you to Tessa, one of my private coaching clients. She ran a successful freelance design business, had great clients, and was working constantly. But no matter how much money came in, she always felt broke. Her savings were non-existent. She’d make £5,000 in a month, and somehow still have nothing left by the 30th.

When we started working together, she confessed something that shocked her: “I feel wrong having money. Like I’m not the kind of person who’s supposed to have it.”

Where did that belief come from?

Her childhood. Her parents were blue-collar, proud of their hard work, and deeply suspicious of people who had “too much.” She remembered hearing, “We’re not like those people,” whenever someone drove a new car or took a fancy holiday.

Without realising it, Tessa had internalised a rule: Having money = being someone my family would disapprove of.

So, every time she got ahead financially, she unconsciously found ways to get rid of it, overspending, saying yes to too many clients (and burning out), avoiding budgeting. Money didn’t feel safe to keep.

Once she saw the pattern, everything shifted. She began rewriting that old story, reminding herself daily: I am allowed to have money. I can be generous, kind, and wealthy. Within six months, she had her first £10,000 savings cushion, and more emotional peace than ever before.

Awareness created choice. And choice created freedom.

The Key Insight: Money Reflects Your Inner World

This chapter isn’t about judgement, it’s about clarity.

You’re not “bad” with money. You’re just living out beliefs that may no longer serve you. And those beliefs are changeable.

Money doesn’t have an opinion about you. It doesn’t decide who’s good enough or who’s lucky. But it does respond to your energy, your expectations, and your emotional vibration.

If you fear money, you’ll push it away. If you respect it, it will stay. If you treat it like a friend, it will start to show up more often. But first, you have to see the relationship for what it is, so you can change it.

Your Turn: Journal Prompts to Reveal Your Relationship with Money

Try spending 10–15 minutes on each of these prompts:

What were the most common money phrases or attitudes in your home growing up?

Do you associate money with safety, stress, freedom, or something else?

When you think about wealthy people, what emotions or judgements come up?

When money enters your life (a pay rise, gift, big client), how do you typically respond, pride, guilt, anxiety?

What would a healthy relationship with money look and feel like for you?

This exercise isn’t just about insight, it’s about beginning to reclaim your financial identity on your terms.

Closing Takeaway: You Can Rewrite the Relationship Starting Now

You are not stuck with the money story you inherited. You are not defined by past mistakes, family patterns, or cultural conditioning. Your relationship with money is yours, and like any relationship, it can be healed, strengthened, and transformed.

The more you bring conscious awareness to the way you think and feel about money, the more you regain your power to attract it.

Because the truth is, money already wants to come to you. It’s waiting for the signal that you’re ready to receive, respect, and keep it.

That signal starts with a single choice: to see money not as your enemy or your saviour, but as your mirror, and then to do the inner work that will change what it reflects back.

Let’s get started.