Creating money is one of the major problems we have in life. 

 

Sure, we can create money by having a job, a business, or selling what we are passionate about. 

But why is it so hard to create and keep money in our pockets? Why does it feel so difficult to become millionaires and make money work for you? 

As a money mindset expert, I’ve had many entrepreneurs and clients come to me and ask these questions. 

Their money stories are the same. They make huge amounts of cash through working in corporate or running their own business. 

At the end of the day, it still isn’t enough. 

Today I’m going to share some truths about money and the universal laws on creating money. 

So let’s get it started. 

 

The Scarcity Mentality and Creating Money 

 

I love money, and I don’t have problems with it. 

Most people think of it that way. But in truth, almost everyone has a scarcity mentality when it comes to money. 

And that’s a huge problem. 

Steven Covey speaks about the scarcity mindset perfectly in his book, The Seven Habits of Highly Effective People. 

For him, the scarcity mentality definition means people only see life as there was only one pie. And if people get a bigger piece of the pie, that’s less for everyone else.

Covey also said people with a scarcity mentality have a difficult time sharing recognition and credit. They see power and profit to be for themselves, and they have a hard time being genuinely happy for other people’s success. 

 

 

What’s ironic is, these people probably don’t even know that they have a scarcity mindset. 

So how do you see the signs?

Having a scarcity mindset only allows you to focus on short term decisions. It also ignores the long term plans since most focus on the now. 

This also gives the person a false sense of importance, thinking the world revolves around them.

And often this leads to feelings for jealousy and sadness whenever things don’t go their way. 

So how does this translate to personal finances and creating money? 

People with this kind of mindset usually feel paranoid and insecure about money. Often they feel like the money they have slops through their fingers. 

They spend their paycheck thinking they’re one day millionaires. They swipe their credit cards for unnecessary stuff. 

They worry about the bills when they come, and wonder why good things happen to someone else except them. 

Do you feel like this? Do you have any money habits that are similar to this?

If you do, then, don’t fret. 

The good news is, you can still make the shift.

But first, let’s talk about the other type of mindset: abundance. 

 

The Abundance Mentality 

 

On the other hand, Steven Covey describes the abundance mentality as a flow of a deep inner sense of personal worth and security. 

They believe that there is plenty of sources to go around. Because of this, it’s easy for them to share prestige, recognition, profit, and decision making. 

This opens possibilities, options, alternatives, and creativity for them. 

 

 

People with abundant mindsets usually have a positive outlook on life. They believe that problems always come with solutions as long as you’re creative with your approach. 

They also understand the good in long term planning. They don’t believe in instant gratification because they have bigger goals in mind. 

They have the discipline to say no so they could focus on productive things. 

It’s not that they don’t know how to have fun. It’s just that they know what their priorities are. 

When it comes to personal success, they create a positive environment for growth. They also cheer other people on and push them towards success. 

They’re also happy about other peoples’ wins and it doesn’t take away from their own. 

On finances, money comes in easy to them. They attract the amount they want and get it at the time they set. 

For them, money is not something to keep but something to grow. 

That’s the difference between people with an abundance mindset and the scarcity mentality 

 

Scarcity Mindset and Toxic Money 

 

You probably have your mindset when you read this. It might be surprising to realize that you don’t have the right mindset to attract and create money. 

The good news is, it’s not your fault. 

Toxic money is something that society has unconsciously given us through its teachings. 

We were taught at a young age that money is the root of all evil. Money makes people corrupt and does unforgivable things. 

For some reason, some people also relate spirituality and religion to poverty. It’s like we need to let go of the desire for money in exchange for merits for the afterlife. 

The problem here is we need money to survive. Religions also teach us to be prosperous and to help others while we are here on earth. 

Here is where it gets confusing for most. 

These contradicting ideologies tend to give us guilty feelings towards money. It makes us feel that we are greedy and selfish for wanting abundance for ourselves. 

That’s where the toxic money comes from. 

 

 

It makes us think that we need to work too hard to deserve every penny we earn. 

It makes us feel shameful to want to have millions in our bank account. 

It’s also the reason why we still feel like a money drain despite all the effort we put in when making money. 

This toxic money mindset is a paradigm that we need to change. 

It’s that little voice that feeds doubt in your mind despite all the books you read and affirmations you say. 

Let me tell you this again. It’s not your fault. And there is a way out. 

Read more about how to remove limiting beliefs here. 

The Universal Law of Creating Money 

 

Now that you know the two kinds of money mindset, and the reason why nothing seems to work for you. 

Let me tell you about the universal law of creating money. 

It all starts in faith. Yes, you read that right. Faith. 

You need to first believe that everything is possible. 

As I mentioned, religion teaches us about prosperity. That’s what the Divine Source wants for us. 

And for abundance to happen, we need to believe that it will. 

 

 

The secret to the universal law of creating money is simple — it begins with you. 

That’s right, you. 

The money you attract is not defined by your race, your culture, nor your religion. Your relationship with money begins with how you respond to it. 

Here are three principles of the universal law of creating money.

 

Everything is energy 

 

Everything around us is energy, from our thoughts, words, and emotions. Light, air, even the stones have energy. 

Years ago, people would have thought of this as woo-woo. But Physics has proven that this is true. 

Albert Einstein said it himself. It’s all about vibrations.

Everything in life is vibration. Everything is energy and that’s all there is to it. Match the frequency of the reality you want and you cannot help but get that reality. It cannot be any other way. This is not philosophy. This is physics. – Albert Einstein

Everything around us vibrates, and we use our senses to recognize them. 

That’s how our eyes pick up colors and light, how our nose picks up scents. Even the air carries sound vibrations that enter into our ears and get translated into our brains. 

We also have our sixth sense which tells us about things we can’t perceive with our basic senses. 

This gut feeling, or instinct as we also call it, gives us a different sense of what’s happening around us. 

It connects us to the things we can’t see. 

It’s that warning you get when something’s about to go wrong. It’s that good feeling you get about a deal you’re about to close. 

The point is, we function in a world full of vibrations. It’s just that we may not be fully aware of its existence. 

But now that you know, it will be easier to tap into the different levels of vibrations so you could change the way you think about money. 

Learn more about vibrations here. 

 

All energy vibrates at a particular frequency 

 

Not all vibrations are the same. There are low vibrations and high vibrations. And each level affects us in different ways. 

Dr. David Hawkins explains it well in his Scale of Vibration. 

We all function at a certain level of energy. When we’re happy and content, things tend to be lighter and easier. 

When we’re functioning in fear, guilt, or shame, it feels heavy and confusing. 

Money is the value you use in exchange for the energy you exert. It is of high value and high frequency. To attract money, you should also align your vibration to it. 

 

 

As I mentioned earlier, your paradigm around money has an impact on how you react with it. 

If you’ve been taught that wanting money means you’re greedy, it can result in feeling shame. 

If you were taught that you should aim to live frugally and not want money, you’ll feel guilty when you’re around money. 

In order to attract abundance and align with money’s frequency, you need to let go of these low vibration frequency. 

Doing so will free you and raise your vibrations to higher ones. These negative emotions can be replaced with feelings of acceptance, willingness, gratitude, and love 

Learn more about David Hawkin’s Scale of Vibration here. 

 

Your thoughts and actions create vibrations and frequency 

 

So how exactly can you change your vibrations and raise them to higher frequencies? 

It’s simple. Take control of your actions and reactions. Make a conscious choice to pick out how you respond to what’s going on around you. 

It all starts with gratitude. 

Complaining attracts more negativity because you focus only on the things that are not happening for you. 

But when you start counting the blessings you have, I promise you, everything will change. 

Your perception dictates how you respond. And when you change the lens you use to see with, everything else will follow. 

Choose to see with eyes of gratitude, and you’ll be surprised by what you see. 

Check out these twelve steps on how to change your vibrations today.

 

Conclusion 

 

The secret to creating money is simple. It all depends on you. 

It doesn’t matter what your background is, or whichever part of the world you’re in. 

What’ matters are how you respond to the challenges around you. It also matters how grateful you are, despite what’s going on. 

Want more tips about the universal law of creating money? Listen to my podcast here. 

And if you’re ready to change your money story, make sure to register to my Five Day Millionaire Mindset Makeover Challenger here. 

Your money avatar can help you create the life you’ve always wanted.

 

As a money mindset expert, I believe that money avatars are necessary to attract abundance.

Today, I’ll be talking about the money avatar, how it can help you reach your goals, and how you can create your own.

What is money avatar?

 

Your money avatar is a personification of what you imagine money would be.

Some like creating an avatar based on a person they love, like a best friend or a motherly figure.

Others like to create animal representations with strong characters like an eagle so it could reach new heights.

It can also be a treasure box full of jewels and precious stones.

The point is, your money avatar should be something that you can imagine in your head. It needs to be something concrete so you can describe and build a relationship with it.

Now you might think creating an avatar sounds a bit woowoo. 

But in truth, any goal without a vision is incomplete. 

That’s why it’s vital for you to create a clear visual representation of your goals. And that includes creating a strong money personification. 

The Law of Attraction says that your thoughts will manifest into reality. This depends on what you continuously think about and what ideas you send out to the universe. 

So if you think good things about your money, then good things will come from it as well. 

Deciding on and creating your money avatar helps you think more positive thoughts about money. 

It also attracts more abundance. 

 

 

And when you create an image of something you love, it’s easier for you to embrace it and look forward to conversing with it. 

And the real secret to abundance and manifestation is to believe that it defies logic. 

You don’t need to understand where the money is coming from. All you have to do is believe that it’s already available and is waiting for you to get it. 

Trust that the universe will give you what you want without demanding it.

If you believe that your money avatar will always be there when you need it, then it will be. 

Let it be and it will come.

 

Money avatar and its role in attracting money

 

So what’s the role of creating a money avatar? And is it really necessary to attract the kind of abundance you want?

Most people think the law of attraction is all about magic and voodoo. But in reality, the law of attraction is all about science. 

Mindvalley talks about the seven laws of attraction: unwavering desire, imagination, affirmation, focus, profound belief, gratitude, and manifestation. 

Whether you’re trying to manifest money, your dream house, or the perfect partner, you must first have an unwavering desire to make it happen. 

The next thing to do is to imagine it happening already. 

This is where money avatars come into action. Avatars help you visualize and feel the feeling so you could reinforce the desire you already have. 

With the law of attraction comes the law of resonance.

This law states that thoughts and things vibrate at a particular frequency. Like thoughts, money also has its own vibrations. And to access it, you would need to increase your vibrations to match that. 

So, this means to attract money, you must think of money. 

If you think you don’t have money, then you won’t ever have enough. 

The law of attraction is often used to gain abundance in money. But you can also use it to manifest other things like your dream job, a healthier body, and even your ideal partner. 

 

 

Creating your money avatar can help you manifest your desires faster. Because you attach a certain emotion to it, like happiness and excitement, your avatar becomes a familiar face.

You become more open to possibilities and feel less resistant to the things you need to do to make your goal happen. 

This also changes your perception of money and helps you assign a good experience to it. 

When you do, your vibration rises and aligns faster with the things you want to manifest. 

 

Vibrations, alignment, and your avatar 

 

Your avatar acts like a magnet that helps you attract what you want. 

How does that happen? 

What you focus on will grow and prosper. This goes both ways. 

If you focus on the good things, then you will see the good in all things. But if you focus on the negative, then you shouldn’t expect any good to come out of it. 

Creating a money avatar also helps you create a space for new and good things. That’s why decluttering is important. 

Getting rid of the things that no longer serve you helps you make room for new ones. 

 

 

Living in the present and being sincerely grateful also helps you attract abundance. When you focus on the now, you savor in the moment. 

Gratitude on the other hand helps you focus your attention on what you have instead of complaining.

Having a money avatar helps you create a more positive relationship and perception about money and abundance in general. 

It serves as a reminder whenever you feel frustrated. 

When you constantly get reminded of how good the universe is, then it’s easier to remember there’s no need to worry. 

The universe and the divine source has your back. 

 

How to create your money avatar 

 

Now that you know how money avatars work, let me tell you how you can make yours today. 

It’s important to note that you must first make the decision to attract abundance your way. And to do this, you must have a concrete goal and a strong intention. 

You must first know what you want to manifest for it to work. And you have to be clear about what you want. 

[Read more here to learn about the power of manifestation]

Here are the steps to making your money avatar. 

 

Step 1: Verbalize what you feel and think about when you hear the word money. 

 

Ask yourself what you think when you hear the word ‘money.’ Is it a positive or a negative thought? 

Next, think about your money goals and the reason why you want money. 

This helps you become more aware of how money makes you feel. Doing so also gives you an idea of what beliefs you need to change. 

 

Step 2: Give your avatar a name

 

Personify your avatar and give it a name. Think of one person that makes you feel good whenever you say it.

You can also think of your avatar as a cute puppy or an adorable cat. Just make sure to choose someone or something that makes you feel good. 

Choose the best option that you can create a good relationship with. 

 

Step 3: Give them a personality. How do they behave, what do they do, etc. 

 

Make your avatar more relatable and give them the traits you want in a person. 

For mine, I named her Michelle. I made her sexy, sassy, and an amazing woman. 

She loves Bollywood, and she’s funny as hell and incredibly intelligent. 

It uplifts me every time I think of her, and it makes me want to be like her too. 

 

Step 4: Make them your best friend. Start seeing them as someone who always has your back.

 

According to Psychology Today, every thought you have sends out energies and wavelengths that eventually create the things you are thinking about. 

So, if you talk to your money avatar in a loving and caring way, chances are it will do the same for you. 

Write down attracting money affirmations to help you know and understand how to attract money fast. 

These affirmations need to be short and easy to remember so you can use it as a reminder as you go about your day. 

You don’t want your outlook about money to be all about greed. Be friends with your avatar and you’ll see how much of a difference it will make. 

And like every healthy relationship, you don’t expect it to always be there. But you can expect them to have your back whenever you need them the most. 

 

Conclusion

 

Most people think making money is difficult and complicated. Truth is, it doesn’t have to be. 

All you have to do is have an unwavering desire to make it happen for you. 

Start with a clear and defined goal and think of a specific amount you want to attract. Then create a money avatar that can help you make the change in your belief system and mindset. 

Are you ready to change your money story? 

Learn more about how to attract money fast through my podcast, Money Mindset with Gull Khan. 

Listen to the whole episode of how to make money your best friend here.

And join the waiting list for my Five Day Millionaire Mindset Makeover challenge here.

Would you like to know how to make money and keep it flowing?

 

I remember this conversation I had with a good friend a few years back. She told me making money wasn’t her problem. It was keeping it that was so difficult.

She said she felt like there were huge holes in her pocket that no matter how much she earns, nothing is left. 

Most of us feel that way when it comes to money. That’s why we must do money talks. 

So today, I’ll be discussing how to make money and get rid of money blocks. 

 

 

What are Money Blocks

 

Money blocks are our core beliefs about money. It dictates our behaviors and expectations about money. 

And when we’re talking about core beliefs, these are experiences that shaped us into who we are today. 

These core beliefs may have been passed on to us through generations. These might be personal traumas and pains we’ve experienced in our lifetime. 

Don’t get me wrong. I may be a money mindset expert now, but I still had to go through a lot to clear the money blocks I had. 

In one of my posts, I talked about my journey from a barrister to a money mindset expert and energy healer. 

And as you can see, it wasn’t easy for me. 

You’d think I know better because I worked as a banking and finance expert. Some would probably think money talk is something natural for me. 

At the time, making money was easy for me. Working in corporate meant there was a compensation package. It meant I didn’t have to worry about where I should get the money from. 

We had human resources to take care of that. 

But everything changed when I started my own business as a coach. 

I was doing great helping others win in their money story. But I was losing in my own game. 

It felt like I was struggling to make ends meet despite all the personal development I’ve been learning. 

All things I touched failed. 

I was becoming frustrated and angry at myself for trying too hard and not getting the results that I wanted. 

Then my aunt told me what I needed to hear. All of these things were happening to me because of my mother. 

And then it dawned on me. I was manifesting the life that my mother lived. All the pain and worry we experienced as a single-parent household was happening to me. 

 

Money Talks and Manifestation

 

 

My aunt was right. 

It was like how doctors work. They get to help other people heal. 

But when it comes to their ailments, they have blind spots. 

The same goes for me as a money mindset expert. At the time, I didn’t see what the problems were. I wasn’t even aware of my money blocks. 

I needed someone else to point it out to me so I could become aware of its existence. 

Suddenly it made sense. And instead of becoming frustrated, I laughed. 

I realized how strong my manifestations were. And if I could emulate my mother’s life, surely I could also manifest the ideal life I want for myself and my family. 

This newfound awareness became my saving grace. It helped me find my true north and get a deeper understanding of who I am. 

It also helped me create a process on how to clear the money blocks I had. 

 

5 Common Money Blocks to Get Rid of for Abundance 

 

 

There are tons of articles and resources that talk about how you can make money fast. 

If you’re looking for ideas, you can check out 32 ways of creating money from Entrepreneur.com 

You can also read how to make money online from NerdWallet.com here. 

But if you don’t get rid of your money blocks, all your efforts might just go to waste. 

Most of us have 5 common money blocks that stop us from becoming successful in making money.

And we’ll discuss it today, one by one. 

 

Block # 1 – Negative feelings about money 

 

Money is connected to our emotions. And most people are not aware of that. 

Some people feel like money is the root of evil and corruption. Others think money equates to being greedy or selfish. 

This negativity towards money can block you from manifesting the money you want. 

 

Block # 2 – Low self-worth 

 

Rewriting your money story requires faith. 

To have faith, you need to believe that you’re worth it. 

The problem is, most of us struggle with self-worth and self-esteem. And we think we don’t have the right to want good things in life. 

Sometimes this mindset also leads people to think that others have an unfair advantage in life. 

You’d often hear them say I wasn’t born rich. Or others got the job because they had good connections. 

For them, people get a good break because of who they are, not what they’re capable of. 

Because of this, they tend to accept their fate instead of doing something to improve their status. 

 

Block # 3 – I don’t deserve the money 

 

Here’s another common money block people encounter: believing that they don’t deserve money. 

Most think that they need to work hard to make money. And if it’s easy, it’s meant to slip as easily from their hands. 

These people think they need to spend long hours at work. They also don’t let go of the money they have and tend to keep it to themselves. 

This judgment we have for ourselves also block abundance and cause us to lose opportunities in life as well. 

 

Block # 4 – Undefined goals 

 

Most people fail to get the money they want because they don’t define their goals. 

This is more like running a race without knowing where the finish line is. 

Vague and undefined money goals make it harder for you to grow the money you earn. It also stops you from creating a good vision of what you want.

 

Block # 5 – Giving too much of yourself 

 

We were taught about sharing and giving since we were young. 

While it’s the common good, it still becomes a problem as we grow older. 

It’s especially challenging when it comes to families. Most are driven by guilt and feel obliged whenever they give money away. 

People with this kind of mindset also find it difficult to receive. And because of that, abundance also becomes elusive to them. 

 

Find out more about other types of money blocks here. 

 

How to resolve and clear money blocks 

 

 

Money blocks are deep-seated in our cores, and it can be difficult to change. 

Take note:  it’s difficult, but not impossible. 

To clear your money blocks and manifest your goals, you need to do three things. You need to be aware that it exists, decide that you want to change, and rewrite your money story. 

Awareness will help you determine the things you need to change. And once you’re aware of these things, you need to make a conscious decision to work on these money blocks. 

Then the final thing to do is write everything that comes to mind when it comes to money. 

Set a five-minute timer and get a pen and paper so you could write these things down. 

Write what money makes you feel, embarrassing things you recall about money, and even the painful experiences you’ve had. 

You’ll be surprised by what will come out. 

 

Conclusion 

 

Money blocks exist, even if you think you don’t have it. 

The key to clearing money blocks is to accept it, be aware of it, and then write down the things that money makes you feel. 

Doing so will help you decide to make the change you need and attract the abundance you deserve in your life. 

Watch out for more money talk tips, how to make money, and get rid of your money blocks in my podcast, Money Mindset with Gull Khan. 

Listen to the full podcast episode here.

Change your money story with our Five Day Millionaire Mindset Makeover Challenge. 

Join the waitlist here: https://gullkhan.com/gull-khan-money-mindset-expert/mmm-challenge/.