The Inner Game of Money

The psychology of money is fascinating.  The history of money is fascinating too.  There was once no money on earth whatsoever.  We made it up.  We created it.  Once upon a time it  was linked to gold reserves, but we all know that it isn’t any more.  So we’re back to making money up again aren’t we!

In times of recession it can be easy to think that there isn’t much money around, but that’s nonsense, there are huge opportunities at this time, it just depends on where your focus is, what your mindset is, and the follow-through actions you take.  There are many businesses thriving in these times, so what are they doing differently, and what is their mindset?


Get Comfortable With Making Money

One of the reasons Donald Trump is rich is because he’s really comfortable with making millions of dollars a day.  He’s tuned into money and how to make more of it doing what he loves to do.  Money flows as a by-product of his passion (and ironically is occasionally removed from him by passions of a different kind as Ivana and Marla discovered!).

How comfortable are you with money?  Odds are that if you haven’t much money, you probably have some issues around it that need to be cleared.  What are your beliefs about money?  Are they getting in the way?  How’s your wealth consciousness?  Like faulty software in your unconscious mind, these limiting beliefs around money, or your worthiness or deservingness, can sabotage your best efforts at creating financial serenity.  Is it time for a reboot of the programming within?  Is it time to create an alchemy of abundance?


Money As Energy

Money is an energy.  It’s the exchange of value we put on things.  What value do you put on you, your business, your skills, your products, your services?  What are your price points? What do your price points say about you to others?  What perceptions do they create?  What expectations do they create?  How do you feel about all that?

Feelings are energy in motion.  Everything is in motion.  Everything vibrates at its own frequency.  We talk about the law of resonance, the law of attraction.  The New Radicals had a great song that summed it up ‘You Get What You Give’.

There’s a great quote from Esther & Jerry Hicks’s book ‘Ask & It Is Given’: ‘Every thought vibrates, every though radiates a signal, and every thought attracts a matching signal back.  We call that process The Law of Attraction.  The Law of  Attraction says: That which is like unto itself is drawn……You do not expect to hear music that is being broadcast on the radio frequency of 101 FM to be received on your tuner when it is set at 98.6 FM.  You understand that radio vibrational frequencies must match, and The Law of Attraction agrees with you…’

What signals are you sending out?  Have a look at how life is showing up, and check that against how you have been feeling.


Feeling Lucky?

I remember reading about a psychology experiment where the researchers advertised for people who believed they were lucky, and those who believed they were unlucky.  As often in these experiments, the experiment began before they got in the laboratory.  Placed by the pathway to the lab was a £50 note.  Those who saw it were allowed to keep it.  Guess who saw it. Yes, you’re right, all the people who believed they were lucky. Those who believed they were unlucky, didn’t see it, yet it was in exactly the same place on the path for them all.

In his book ‘The Luck Factor’ psychologist Richard Wiseman (such a great name!) said: ‘I gave both lucky and unlucky people a newspaper, and asked them to look through it and tell me how many photographs were inside. On average, the unlucky people took about two minutes to count the photographs, whereas the lucky people took just seconds. Why? Because the second page of the newspaper contained the message: “Stop counting. There are 43 photographs in this newspaper.” This message took up half of the page and was written in type that was more than 2in high. It was staring everyone straight in the face, but the unlucky people tended to miss it and the lucky people tended to spot it.


‘For fun, I placed a second large message halfway through the newspaper: “Stop counting. Tell the experimenter you have seen this and win £250.” Again, the unlucky people missed the opportunity because they were still too busy looking for photographs.


Personality tests revealed that unlucky people are generally much more tense than lucky people, and research has shown that anxiety disrupts people’s ability to notice the unexpected… And so it is with luck – unlucky people miss chance opportunities because they are too focused on looking for something else.’


How many negative beliefs do you hold onto about money, and how do they affect your financial success? Some of these are programmed in through religious upbringings, where money can be seen as the root of all evil: ‘It is easier for a camel to pass through the eye of a needle than for a rich man to enter the kingdom of God.’ Yet there are many rich good people who are true philanthropists, some of whom have been sainted such as St Germaine, and Joseph of Arimathea.  We’ll come back to this later.


Learned Attitudes To Money

As a working-class lass money wasn’t in great abundance during my childhood.  When my wonderful father died much too young, he left the grand total of £8.32 in a NatWest account – bless!  ‘Very considerate of him’ said one of my mates, ‘easily divisible by the 4 of his inheritors!’  My mother, sister, brother and I laughed so much. My father enriched our lives in countless ways and was a real character.  Through our great memories of him, my father is known to the grandchildren and great grandchildren he never met.  He truly left a great legacy to each of his children. I had a great childhood thanks to him, my lovely mother, and our extended family.

One of the things that still amuses me about my childhood is that in my made-up games with my friends, where of course I was always the Princess (tragic I know!), I always had a Money Tree, and of course I was always a very kind Princess, giving out lusciously green leaves with wanton abandon!   Are you smiling or groaning at this point!   I giggle now when I wonder where my fantasy came from, perhaps from someone somewhere once saying ‘Money doesn’t grow on trees you know’ – well it did in my world!

What things were said around you in your formative years?  ‘Rich people are greedy’ ‘Money can’t buy happiness’ ‘dirty money’ ‘there isn’t enough’ ‘money goes out faster than it comes in’ ;a penny saved is a penny earned’ ‘pennies make pounds’ ‘good money is hard to come by’ ‘money requires hard work’.  How do these impact your life?


Get Over Yourself & Out of Your Own Way

As a business woman, I chose to learn to get over my poor attitude towards money.  When I first set up my business, I was almost apologetic for having to charge anyone anything.  What’s that about!  In my family we rarely talked about money.  Entrepreneurship wasn’t encouraged, although education was.  This dis-ease with money certainly showed in the initial conversations I had with people when they wanted to hire my services.  I was so embarrassed (ridiculous I know!) that I’d leave the money part until the very end, speak a little faster as I said what the price would be, and keep my fingers crossed that they’d be ok with it.  My mindset was always wondering whether they could afford me, and setting prices based on what I thought people/organizations could afford, not on what I saw as my worth, my value to them.  Needless to say I had to get over myself and out of my own way – and fast!  Or my business would have failed.  I’ve been in business almost 16 years now, so you know I did get over my limiting attitude towards money.


The Value You Add

Money is the exchange for the value you add.  How much value do you add?  How many people do you serve?  What would it cost people to not work with you, or to not buy your products and services?  What is the impact of what you do?  Charge accordingly.  The bigger the impact, the bigger the price point.  The lower the impact, the lower the price point.  To make more money, add more value, sell to more clients, or to the same clients more often.  Let your prices align with the difference you make.  I wonder if you can imagine for a moment being a money magnet.

What are you worth.  Really.  Get comfortable with setting appropriate price points.  Whenever I’ve doubled or trebled my rates, I haven’t lost a client.  I could conclude that they too know my value to them and their business.

It was Henry Ford who said ‘The only real security that a man will have in this world is a reserve of knowledge, experience, and ability.’  I agree with that, and I truly know what that is worth, and I leverage what I have, giving great value to my clients, who are enriched as a consequence of the long-lasting change I help them create.

Tithing & Giving

As a social entrepreneur, I’m also interested in leaving a legacy of long-lasting change in our world. From that passion I created The Happiness Foundation, and World Change Agents. You can really enjoy money as well as doing a great deal of good with it.  And you don’t have to be rich to do any of these things, you just need to be committed.

As Dan Millman says: ‘Money is neither my god nor my devil. It is a form of energy than tends to make us more of who we already are, whether it’s greedy or loving.’

Edwene Gaines in her book ‘The Four Spiritual Laws of Prosperity’ cites Tithing as the number one spiritual law of prosperity.

The world’s number one giver is the legendary Warren Buffet.  Number two giver is Bill Gates.  Interestingly Warren gives more than 10 times as much money as Bill according to Bloomberg’s Business Week. Other top philanthropists include investor George Soros, George Kaiser, Gordon & Betty Moore (Intel co-founder), and the Walton family (who founded Wal-Mart. Asda is part of their family of companies).  Ted Turner comes in as the 25th most generous philanthropist, Oprah at 35th, and film producer George Lucas as 45th.  You can do truly do great things with great money! So lessen your resistance to it, if you have any.



Stand On Your Diamond & Shine

Celebrate your ability to make money doing what you are great at doing, genius at doing.  Get in your zone of brilliance and shine shine shine as you stand on your diamond.  You have a wealth of gifts to mine and spread. Leverage your talents, live your best life, and as you give richly, so you shall richly receive.


Get Lucky

And finally, Richard Wiseman’s research shared in his great book ‘The Luck Factor’ showed that lucky people create great fortune by applying 4 principles:


  • They are skilled at creating and noticing chance opportunities
  • They make lucky decisions by listening to their intuition
  • They create self-fulfilling prophesies via positive expectations
  • They adopt a resilient attitude that transforms bad luck into good

Shift your mindset, shift your focus, relax and begin to see all the opportunities there are to stand on your diamond, make great money, have more influence, get more impact, and serve more people.  And if you want to know how, give me a shout, I’m here to help!


Until next time – here’s to your inspired success!


Kath T


Success Psychologist Kath Temple is an entrepreneur and social entrepreneur. Join her for SuperStar Strategies – Authentic Business Profit Secrets on March 19th & 20th in London.  Contact Anne Pearson on 01503 562162 or email or book online at

4 Comments on The Inner Game of Money

  1. Phil Birch // March 8, 2011 at 1:10 pm // Reply

    Great article Kath and excellent advise. I think referring to money as energy is a great first step to re-defining feelings regarding wealth. If one is able to correlate “charge” with “value” then the next step is taken. Thank you.

  2. Wise stuff, and grounded in both Heart and Science.

    Money is a human construct. Lack of Money often just an illusion based on shame and fear
    But do we validate (and confuse) our inner worth through materialism? No, I don’t think Poverty is spiritual. Nor vice versa.I am just reflecting. It is an easy trap.

    We surely need new personal and cultural Stories to tell ourselves about Wealth. Especially with the disintegration of Integrity in our banking systems.

    We all make a difference to the collective consciousness (Limbic Resonance is the Science).
    What are your new Stories about Wealth? What will you tell yourself, and share with others?.

    Enjoyed reading this, Kath.

  3. Money was intended to be used in exchange, but not to increase at interest. And this term interest, which means the birth of money from money, is applied to the breeding of money because the offspring resembles the parent. Wherefore of all modes of getting wealth this is the most unnatural. (I.1258b4)

  4. I have earned lots of money and subsequently chosen not to. I didn’t want the way of life that it demanded: long working hours, frequent (weekly or more) trips away from home and the constant pressure to deliver to someone else’s agenda.

    Now I choose not to work long hours, not to travel away frequently and – positively – to deliver to my own agenda (and that of my clients, both paying & pro bono). I consider myself extraordinarily lucky to be able to change my life like this, but it doesn’t involve attracting lots of money! So I was left unsure about the premise of this article, to be honest.

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