how to create an abundance mindset {no matter your income}

opportunity is work - thomas edison quote // bring joy

How to create an abundance mindset

{no matter your income}

When you’re paying off debts, when money is tight, & when you’re living paycheck to paycheck, it’s easy to develop a scarcity mentality.

You know, this idea that there is never going to be enough. That you’ll never be in the place that you want to be, & that happiness & success is only something other people enjoy.

Though I’m a generally optimistic person, as I take time to be introspective, I’ve realized I’m guilty at times of having a scarcity mentality.

To see what I mean, let’s look at both mindsets, & see if you can relate to either. I know I experience both sets of thoughts on a daily basis–the goal is to primarily be in the abundance mentality zone, most of the time anyway.

→Scarcity mentality:

There’s never enough money.

I will never have money.

Success is reserved for only a select few, not me.

I won’t able to ever afford ________.

I’m always going to be in debt.

I’m always going to be poor.

That’s nice for so-and-so to pay off debt, but I could never do that.

I’m going to be in debt for the rest of my life.

I’m just a shop-aholic, there’s no hope for me.

I’m never going to earn enough money to pay off my debts.

I will never be rich.

I have nothing to offer.

I will never be good enough.

I don’t have enough time to do what I want.

I don’t have the energy I need to do what I want.

A decidedly dour & limited perspective, no?

In contrast, an abundance mentality is based on the idea that your success is my success, that there is more than enough goodness to go around, & that I have everything I need to be happy now.

Let’s take a closer look.

→Abundance mentality:

With hard, smart work, I can earn as much money as I choose.

I will be debt-free.

I know I have so much to offer to others.

I know I can be successful at whatever I set my mind to.

I have so much to be grateful for.

There are so many people that need me, & need my help.

Money is a tool to help others, as well as a tool to facilitate the kind of freedom & life I want to live.

I cannot do everything, but I can prioritize & do all of the things that are most important to me.

I can create the kind of life I want.

I am grateful for all the good things in my life.

I can find joy in this moment.

I have more than enough energy & passion to do the things that are most important to me. 

A much nicer place to be right?

Yesterday I mentioned that this weekend I read Tell Your Time (affiliate link) by Amy Andrews.

As part of her ebook, she includes several worksheets to go through, one including a roles & goals worksheet.

Though I’ve been a goal maker since I could write, it’s been awhile since I’ve put pen to paper & written specific, intentional goals–specifically, goals related to each one of the many roles I have.

One thing I like about her worksheets is that they’re simple.

I wrote mine out in about 5 or 10 minutes.

how to create an abundance mentality {no matter your income} // bring joy

Even though we’re paying off our debts, & we still have over $20K in credit card debt, student loans, our car, & other debts, & though there is nothing left in our checking account at the end of the month, & we currently have no long-term savings, I can have an abundance mentality.

This doesn’t mean I’m going to go buy whatever I want & do whatever I want because I believe I’m entitled to have an abundance of things.

It means I can take the worldview that right now, I have everything I need, & more.

Further, it means that I can have all the drive, ambition, & desire I need to learn, grow, & work to get to a place where I can enjoy a greater sense of freedom & even more financial/emotional/spiritual abundance.

how to create an abundance mentality {no matter your income} // bring joy

Right now I have a loving husband. We both enjoy excellent health. We have five healthy, happy, intelligent, creative kids. Joseph enjoys working in a career that not only provides financial stability for our family but is a career path for which he is passionate. His job gives us the income we need to meet our needs and work towards our goal of becoming debt-free.

We are able to live in a beautiful, spacious home in a safe neighborhood. My kids attend an awesome school. We enjoy freedom & democracy. We never go hungry, & in fact, we’re able to buy fresh, wholesome, delicious food pretty much any time of year.

I’m able to work hard, to gain knowledge, to increase my skills set & learn & in doing so can help provide for my family while also helping others (this blog!).

I’d say I’m in a pretty good place.

I’m sure if you took a few moments to list all of the good things in your life, you’d be able to say the same. 


For some awesome no-fluff time management/life purpose guidance,

check out Amy Andrew’s ebook, Tell Your Time

↓ It’s a quick read (only 30 pages) & comes with several printable worksheets. ↓
(&, it’s only $2.99!)

tell your time

other related bring joy posts to check out:

debt-snowball update & getting real with a budget
5 steps to getting out of debt

Do you ever find yourself succumbing to the scarcity mentality? Why do you think that is? Do share your thoughts!


FYI: This post contains affiliate links. You know I only promote those things I can only 100% endorse. You purchase anything via these links, I earn a commission. Thanks for supporting bring joy!


  1. Pingback: A Life Update + Weekend Links

  2. Bonnie Andrews
    on May 7, 2014 at 4:41 pm said:

    Stellar – loved every minute reading. It’s a constant mindframe switch, isn’t it? I’ve learned for me, it’s mostly learning to let go of control and some accepting that when we want good things for ourselves and our families – it’s not selfish… it’s empowering for us and those within our reach. Love what you do!

  3. Anika
    on May 7, 2014 at 12:28 am said:

    Thank you for this post, Janae! I really needed it. I, too, am trying to get out of debt, just by myself and I definitely find it overwhelming at times. I know my occasional defeatist attitude doesn’t accomplish anything. I can only do my best and be willing to do the work that is necessary to reach my goals

    I know I have so much to be grateful for as well! Job, health, family, the Gospel, freedom…

    It’s not perfect, but I have a pretty good life. : )

  4. Alanna
    on May 6, 2014 at 5:39 pm said:

    This is beautiful, Janae. Thank you for the reminder to live with an abundant mindset. It’s so easy to get caught up in the, “We’ll be happy when…” attitude. There are eras in my life I wish I could relive with a more abundant and present mindset.

  5. Laurie
    on May 6, 2014 at 3:05 pm said:

    My husband always recites two quotes that I think relate to this post: “Happiness isn’t having what you want; it’s wanting what you have” and “We don’t find ourselves, we create ourselves.” At first, I would scoff when he said these things, but I’ve come around. And I think I have a scarcity mentality much less than I used to because I’ve mostly stopped chasing an ideal imposed from outside.

    • Janae Wise
      on May 6, 2014 at 3:24 pm said:

      I love both of those quotes, especially the second one.

      What a great husband you have 😉

  6. Emma
    on May 6, 2014 at 2:20 pm said:

    I love this mentality. I’m guilty of complaining when things aren’t going my way or when I haven’t got/achieved something yet but I should really be looking at what I DO have and seeing what I don’t have as things to aspire towards and motivation to work hard.
    I just bought the e-book! Thanks for bringing it to my attention.

    • Janae Wise
      on May 6, 2014 at 2:25 pm said:

      Awesome–Amy Andrews is a blogging superstar. She’s totally down to earth & shoots straight. Absolutely no fluff.

      (Your hummus sesame ball recipe, btw, has been a trending pin on my boards, I’ve noticed! You go girl.)

  7. Meredith @ Unexpectedly Magnificent
    on May 6, 2014 at 12:35 pm said:

    I’m loving this timely post, Janae! Mark and I were just discussing how things aren’t perfect right now; yet, with enough time, hard work, and patience, they will be.

    “I can create the kind of life I want.

    I am grateful for all the good things in my life.

    I can find joy in this moment.”

    I try to approach each day with this mindset. Beautifully written!

    • Janae Wise
      on May 6, 2014 at 2:09 pm said:

      “Mark and I were just discussing how things aren’t perfect right now; yet,”
      That’s sort of the point of the post though–you don’t have to have all your ducks in a row, everything figured out, everything perfect in order to be content in this moment.

      Believe me, I know of which I speak. Joseph & I have been married nearly a decade. Most of the time was spent in school, working several part-time jobs, getting out of debt, getting back in (for law school), & now of course, getting back out of debt (for good!). Even though I aspire to a debt-free life & know we will get there sometime soon, I am not waiting for some future day to be happy or to experience joy.

      It’s a delicate balance to be sure–the desire to move forward, to progress, to set goals, while also learning to be absolutely content with what you have right now. I’m sure I don’t practice this perfectly, but again, perfection is not the point. It’s about moving forward, while at the same time having gratitude for what you do have. I think gratitude is at the absolute core of it all.

      And, for the record, I believe in you! It’s an exciting time to be a newbie blogger–so many possibilities, so much to learn. It can be overwhelming at times, so just remember slow & steady is how blogs are created. It takes years of hard work to really establish yourself in the blogging world, so remember that, whenever you get discouraged (which, of course, I’m sure you *never* will 😉 ).