What if your ability to earn and hold onto money had nothing to do with your skills or hard work—but everything to do with how you think, feel and value yourself?
Women continue to struggle with pricing their services and can at times struggle with negotiating pay rises and valuing their worth. Beneath these financial challenges often lies an invisible force: self-worth.
self-worth vs. self-esteem: understanding the difference
While self-worth and self-esteem are related, they are not the same. Self-worth is the deep, intrinsic belief that you are valuable and deserving (including of wealth), regardless of achievements or external validation. It remains constant. Self-esteem, on the other hand, is how you think and feel about yourself based on accomplishments, social feedback, and self-perception. It fluctuates depending on successes or failures.
When it comes to financial success, both play a crucial role. Strong self-worth ensures you don’t tie your value solely to financial achievements, while healthy self-esteem helps you confidently act toward financial growth and financial wellbeing.
the self-worth & pricing connection
If you undervalue yourself, you’re likely to underprice your services or accept less than you deserve. Many business owners fear that charging too much will drive clients away, but in reality, pricing reflects perception. Employees may also hesitate to negotiate their salaries, fearing rejection or conflict. However, when you charge or negotiate based on confidence and the value you provide, you attract employers and clients who respect and invest in quality.
making more money starts within
Your financial success begins with your internal dialogue. Do you believe you’re worthy of wealth? Do you feel comfortable receiving money effortlessly?
A scarcity mindset leads to self-sabotage—undercutting prices, overworking, hesitating to ask for raises, or settling for less.
For employees, this means advocating for fair pay, confidently discussing promotions, and seeking roles that align with their value. By cultivating a strong sense of self-worth, employees can step into these conversations with confidence.
Your self-worth can change as you have new experiences and up-level your beliefs. The shift also happens when you reframe wealth as something you deserve, not something you must struggle for, including how hard you must work for money. When you can support yourself, you are in a better position to help others, similar to the airplane analogy of putting your face mask on first.
holding onto wealth
Making money is one thing; keeping it is another. If deep down you feel undeserving, you’ll find ways to let money slip through your fingers—impulse spending, undercharging, or neglecting financial boundaries.
Strengthening your self-worth means setting healthy financial habits, trusting yourself with wealth – how to make it, manage it and multiply it, and allowing money to stay and grow.
You can also enhance financial stability by setting clear career and financial goals, seeking out financial education, and making strategic investment decisions rather than living pay to pay.
elevate your self-worth, elevate your wealth
Your net worth isn’t just about numbers—it’s a reflection of how you value yourself. If you want to break free from financial struggle, it starts with your core money beliefs, exploring how you think and feel about yourself (including your level of self-worth) and your relationship with money. You can explore options of building your level of confidence and trust with money through either working with a Money Coach, Financial Adviser or Finance Specialist. The transformation starts within.
Are you ready to rewrite your money story? If you’re looking for guidance in shifting your money mindset and stepping into financial confidence, let’s connect. Book a session today and take the first step towards your financial empowerment, because you are worthy of abundant wealth.
You can take the FREE Money Type Quiz to understand your relationship with money HERE.
To explore building more abundance in your life, you can schedule your free call HERE.
Suzanne X
Live your abundant life
The information above is general in nature and is to be used for education purposes only. Before acting on any information, you should consider the appropriateness of the information provided and how this may impact your personal needs, objectives, and financial situation which have not been taken into account. It is recommended that you seek guidance from a qualified financial specialist such as a financial adviser, accountant or tax agent before implementing.
The Money Mindset Reprogram can help you transform your relationship with money. Working with a financial coach can help you to gain clarity around making and managing money. If you would like to explore this further, please book in for a free 15 minute chat using the link above.