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Let’s talk about cash baby | Janet Mohapi-Banks

The way we think and speak about money is very important to the amount of money we are able to receive and also the emotions we feel throughout our day.

When we’re brought up with people telling us that “money is really hard to come to by” we will put obstacles in our way that will ensure that money really is hard to come by.  And when we say things like “I can’t afford…” we’re actually instructing our brain to find ways to prove that right. Which means that we’re likely to always find ourselves unable to afford the things that we would like. 

Our brain’s main job is to prove our beliefs correct and it is always looking for evidence of what you are thinking.

woman looking  through gold lens

Therefore, let’s be really mindful of the language that we use when we speak about money and ourselves. 

As you know, the thoughts you have in your head affect the emotions that you have in your body.  But when we are in high-stress, the emotions we hold in our body take charge and affect the thoughts that we have in our head.

So let’s change our thoughts and emotions when it comes to money so we are constantly living from a place of gratitude and abundance rather than fear and scarcity.

How do you feel when you get a tax bill or credit card statement?

We are conditioned to groan and moan at receiving these things, but why?

A high tax bill shows you the evidence that you’ve earned a high amount of money.  So instead of bemoaning the bill, show active appreciation for this measure of the financial wealth that you’ve received.

When your credit card statement comes through, go down the list of your purchases and take yourself back in time to when you made that purchase. 

Feel yourself enjoying the meal, being grateful for the Uber that’s taking you home, or laughing at the movie that you went to see.  If you come to an item that you can’t associate with a feeling of appreciation, make a note to never make a similar purchase again.  Truly appreciate the fact that you were able to do and have these things and somebody somewhere allowed you to borrow the money against your future wealth.

That’s all that debt is, it’s borrowing money from your future self, and you wouldn’t be able to have the debt without your future self being able to pay it back.

Society has some very mixed-messages about debt.  Some debt is seen as perfectly acceptable, such as a mortgage, whilst other debt is seen as in a negative light, such as credit card debt and bank overdrafts, but all debt is merely borrowing against your future wealth.

I strongly advise you to never get into more debt that you can comfortably make the monthly repayments on, but I encourage you to explore your personal views on debt and keep asking yourself why you believe that particular story about it until you’re sure that your views are your own.

A UK loan calculator is the perfect tool to provide clear insight into the terms of your mortgage. Similar facilities can be used for car loans or other purchases made on credit.

Debt should not be feared. However, I would always suggest that every financial decision should be calculated. Otherwise, nasty surprises can surface. And this is where your financial health can start to unravel, which will see negative thoughts creep in once more.

Clearing debt as quickly as possible is always a good thing because you are no longer paying interest on the loan. But feeling shame or guilt at borrowing against your future wealth will ensure that you stay exactly where you are, paying the minimum each month as your brain will be looking for more ways to make you feel guilt and shame about your debt, which will put you into a scarcity mindset of having a lack of wealth.

Your energy and brain don’t understand whether things are positive or negative, it just feels the high emotion connected with a certain thing. So if you have high emotion connected to the word “debt” it will enhance and increase that thing. 

Likewise, if you have high emotion around receiving a particular amount of money it will find ways of bringing the possibilities of receiving that amount.

However, if you’re consciously saying that you want £100,000 but subconsciously saying that “rich people are evil” this mixed message will keep canceling itself out and you won’t get the money or peace of mind you ask for, because you are constantly in a state of dissonance. 

Manifestation works on the emotional energy you emit therefore we need to disconnect the negative emotions you feel around money so you’re able to reprogram positive emotions in their place. 

As you go through your day, really watch your language and thoughts and if you find that you’re counteracting your desires with a scarcity narrative, tell yourself that you choose to no longer believe that story and retell yourself a new story of appreciation and abundance. 

You need to do this every single time your brain tells you the story that you choose to let go off. 

If an unwanted thought pops into your head say, either out loud or silently, “Clear and Delete – I no longer to choose to believe that”.  Then tell yourself the new story that you’re choosing to believe. 

woman standing in front of green background

The more you do this the less you’ll find that you need to do it because your brain learns through repetition and the negative thoughts of scarcity will reduce.

2020 has been a more eventful year than most. A lot of businesses have been forced to close and a lot of people have felt more stress around both their financial and physical health.

So as we come to the end of the year, it’s really important to show ourselves kindness and compassion and to hold space for all that we’ve been through without judgement.

Keep your focus on what you want the future to hold rather than what you might have lost along the way so regardless of what next year brings on a global scale, you’ll be able to bounce back with resilience.

I wish you all a very happy holiday season and my gift to you if you feel as though you would like to develop greater resiliency, is this free 3 part Masterclass Course on Developing Unshakeable Resilience. 


Janet Mohapi-Banks works with experienced and ambitious female entrepreneurs who want to create a legacy. Mixing metaphysics, mindset, and energy clearings she gets to the root of what’s really stopping them from stepping into their power and creating the business, life, and legacy they know is theirs but they just can’t seem to get to. Connect with Janet: www.janetmohapibankscoaching.com

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