Small Habits That Create Big Financial Wins

and lasting impactful tomorrow. Let's get into it.

my name is Victoria Devine. I am the one with the spucky pompoms cheering you on on your journey to financial freedom. I recently asked you our community what you'd like to hear in these solo Saturday episodes, and Krly, one of our community members suggested diving into the habits and the mindsets of high net worth people. I loved this so much and started adding a list of habits

that led to my own success. So today is all about everyday actions and mindsets that set successful individuals apart. The first one is backed by psychology, surprise, and it's something that successful people actively practice and that's backing their limiting beliefs. These are the sneaky thoughts that tell you what you can't do or why you're not good enough to handle your finances. Maybe you've thought, I'm just not very good with money or investing. It's just too risky

for me. These aren't facts. These are just thoughts that have taken root. Studies show that our beliefs significantly impact our financial behaviors. Research published in the Journal of Behavioral and Experimental Finance found that people with a growth mindset who can improve their skills through effort and learning are significantly more likely to engage in positive financial actions like saving, investing,

and budgeting effectively. This mindset shift allows individuals to view their financial situation as something that they can actively improve, rather than a fixed outcome based on luck or circumstances. With a growth mindset, you're more open to setting financial goals, taking on some challenges, and seeking learning opportunities, which can

lead to building wealth. On the flip side of that, people with a fixed mindset believe that their skills and intelligence are set in stone and they can't be changed no matter what they do. A mindset like this will often lead you to see money management as something that you're just not naturally good at, causing you to shy away from taking control of your finances. This mindset can lead to missed opportunities and a cycle of financial inaction.

The takeaway here shifting to a growth mindset can profoundly impact your financial behaviors by turning self doubt into confidence and action. To start, recognize that you're limiting beliefs they're just thoughts, not truths. Each time you set yourself up for small financial wins like negotiating a better deal on your bills, paying down some debt, consistently or even investing a small amount, you're reinforcing the belief that you can

achieve financial success. Each small step builds confidence and then rewires your mindset, helping you see opportunities instead of obstacles. Financial success isn't just about the numbers. It's about believing that you personally are capable of getting there. One thing that successful people know is that time is your most valuable resource. You can make more money, but you can't get back lost time. Managing your time well directly impacts

your success. Being an ADHD girly, I have a few hacks up my sleeve, and one of my favorites is the Pomodoro technique. If you haven't heard of the Pomodoro technique, no, it's not a tomato. It is designed to boost productivity and maintain focus by breaking work into manageable intervals. Typically, what you do is you work for twenty five minutes known as pomodoro, followed by a short five minute break. After completing four pomodoros, you take a longer break of

fifteen to thirty minutes. This technique capitalizes on our brain's natural attention span, making it easier to maintain high levels of concentration without feeling overwhelmed or burnt out. By working in these focused bursts, you can reduce the impact of distractions, keep your mind sharp, and make conceial progress on tasks.

The Pomodoro technique not only helps you get more done in less time, but also trains your brain to see work as a series of really manageable tasks, turning what might seem like a really daunting project into super actionable steps. It's a simple, yet very powerful way to protect your time and treat it like the valuable resource it is, helping you stay aligned with your goals and then maximizing your productivity. But managing time, my friend, Let's be honest,

it's just half the battle. Let's take a quick break, and when we come back, I'll show you how to guard your focus like a pro. Because nothing derails success faster than distractions. Will be right back, and my friends, we are back. Now that you know how to own your time, is time to talk focus because distractions, they're everywhere,

and they're costing you much more than you think. According to a study by the University of California, every single time you get distracted, it takes it's an average of twenty three minutes and fifteen seconds to regain focus on your original task. That's a very valuable time loss to unnecessary interruptions, time that you simply can't afford to waste if you want to stay on track with your goals. One of the biggest things that you can do to

keep yourself on track is by managing your notifications. Things like your emails and your social media can be constant distractions that pull you away from your priorities. I know they do mine. By turning off non essential notifications, setting specific times to check your emails, and creating really clear boundaries around your work, you can protect your focus and then maintain your productivity. Another way to protect your time is to remember saying no to others is saying yes

to yourself. Successful people will know that every time you say no to something that doesn't align with your goals, you're prioritizing your own time and your own energy. It's not about being selfish, it's about being strategic. So start time blocking your calendar and protecting your focus. When you protect your time, you're protecting your path to financial freedom.

Keeping on the topic of time, one very important thing successful people know is that solely trading it for money is a very sure fire way to limit your earning potential. If you think the only way to make money is by working more hours, you're cappying your potential. My friend, time is finite, but your income it doesn't have to be. That's why I am so wildly passionate about investing. It's one of the best ways to make your money work for you and create a future where your income isn't

limited by your time. Investing opens the doors to financial freedom by allowing your assets to grow and generate returns even when you're not actively working. Your money's making money while you're sleeping. Your call to action here. Start exploring ways to create income streams that aren't directly tied to the hours that you put in. Consider investing in a rental property, renting out items that you already own, or

creating a digital product that can sell on autopilot. If you're offering one on one services, think about scaling up to a group coaching program to maximize your impact without multiplying your hours. The goal is to focus on opportunities that grow independently, giving you more freedom and more financial security. It's all about working smarter, not harder, and building a financial future where your income isn't capped by the hours

that you have in a day. And finally, there is that famous saying, you are the average of the five people that you spend the most time with. For me, I found that this isn't just a saying, it's actually a very powerful truth. The people around you influence your mindset, your habits, and ultimately your success. If you're surrounded by people who settle for less or complain without taking action,

it's really easy to get stuck. But if you're around go getters, their ambition and drive is going to rub off on you. When you're around people already living a life you'll aspire to, it normalizes those goals. Suddenly, what seemed out of reach feels possible, even inevitable. So get in the right rooms, join the right communities, and learn from those who inspire you. By joining our Shees on the Money community, you're already taking a very powerful step

towards surrounding yourself with ambitious and supportive people. You're putting yourself in a space where financial dreams turn into actionable plans, and where every step forward is celebrated. This was my goal when creating this community, to build a space where your financial journey is championed, not judged. A place where like minded individuals lift each other up, share their wins,

and push one another to keep reaching higher. If you aren't a member of our Facebook family yet, I'll link it in our show notes, come join us, Come connect with others who are just as committed to smashing their financial goals, and let's keep the momentum going together. So, as I wrap up today's episode, remember that building wealth isn't just about numbers, luck or having a really high

paying job. It's about the mindset that you're able to cultivate, the habits that you commit to and the people you surround yourself with. You, my friends, have the power to shift your beliefs. You're able to protect your time and set yourself up for success by making intentional choices that align with your goals. Thank you for joining me today. If you love this episode, share it with someone who might need a little nudge towards building the habits and

mindset of success. The advice shared on She's on the Money is general in nature and does not consider your individual circumstances. She's on the money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS TMD and obtain appropriate financial advice tailored towards your needs. Victoria Divine and She's

on the Money are authorized representatives of money. Shirper Pty Ltd ABN three to two meter one six four nine two seven seven zero eight a f s L four five one two eight nine