So often we explain our choices around how we manage our finances as negatives. “I can’t afford that right now,” we say when friends ask us to join them for a night out. Or we scold ourselves: “I really need to cut back on my grocery spending” or “Ugh, I really shouldn’t have agreed to get this coffee.”
All that sort of language is going to do is make you feel even worse about the choices you’re making (or should be making). Instead of framing your financial decisions in the negative, state them in a positive way. That doesn’t mean you have to be a Pollyanna, or fake positivity. Simply give yourself credit for the actions you’re taking.
A few examples to help you get started: