Why You're Still Second-Guessing Your Spending
You Have the Money. So Why Does Spending It Still Feel Wrong?
Have you ever had one of the biggest months in your business?
You have money sitting in the bank account, and then you go to spend $500, $1,000, or maybe even $3,000 on something you really want and need, and suddenly your brain goes, "Do I really need this?
Maybe I can figure this out on my own. Maybe I should look at the cheaper option, or maybe I should buy it secondhand. What if I regret spending that money?"
And you're thinking, "I have money in the bank account. Why am I still doing this?"
That is exactly what I want to talk to you about today. Because you thought that once you had more money in the bank account, you'd finally be able to spend it freely, right?
But I guess you're now realizing that may not actually be the case.
What if the reason you're still second-guessing yourself is scarcity, or what we also call a poverty mentality?
Today I want to help you notice that thought and retrain your brain to start responding differently to money and success with biblical principle.
If you're new here, hi, I'm Raina. I'm a Christian money mindset coach, my clients call me "The Fun Money Coach" because once you heal your relationship with money, you'll be able to steward your calling without striving, grow your business without fear, and sell and spend without scarcity stealing your peace.
The $700,000 Launch and the Secondhand Appliance
The reason I'm talking about this today is because I came across a story from a very successful Christian female entrepreneur on Instagram. She had just had a $700,000 launch.
And after this huge launch, she was talking about buying some new kitchen appliances.
You would think the conversation would simply be, "What do we want? What is the best option? What will make the most sense for our family?"
But instead, she was second-guessing whether to buy new appliances or secondhand ones.
Now there's absolutely nothing wrong with buying secondhand. There's plenty of time I've done it and it's been the right decision for my family.
That's not the point. The point is, why does a woman who just generated $700,000 still feel like she has to prove she's being responsible by buying the cheaper option?
This is what scarcity can look like when you are successful. It doesn't always look like having nothing. Sometimes it looks like having plenty and still feeling like you don't have permission to use it often because of fear.
My Own $297 Shaking-Hands Moment
Maybe as I'm talking, you know exactly what this feels like. I know it too because I lived it.
I remember when my husband and I paid off $250,000 of debt and had six figures in the bank account. You'd think I would have felt completely free to spend money at that point, right?
But I remember waiting to buy a $297 course. I kept refreshing the sales page. Should I buy it? Should I not buy it? Maybe I don't need it. Maybe I should wait.
Have you ever caught yourself doing that too?
When I finally clicked "Buy Now," my hand was shaking. Mathematically, it made absolutely no sense to feel like this. I had the money in the bank account. But that's the point.
Money is not just mathematical. Money is emotional.
That experience helped me realize I couldn't simply change my bank account number and expect my relationship with money to automatically be healed. I had to deal with the thinking underneath my behavior.
Why Having More Money Doesn't Automatically Retrain Your Brain
One of my clients recently messaged me asking for support with "small mindset shifts for when the poverty or scarcity attacks come." She wasn't saying, "I don't know how to make money."
She was saying, "I know what I need to do, but sometimes those old patterns and responses keep showing up. How do I get out of that cycle?"
That's such an important distinction because this isn't about shaming yourself for having a poverty or scarcity thought. It's about learning what to do when that thought shows up.
Here's the first thing I teach my clients: your brain is designed to protect you and to save energy.
It doesn't want to consciously think about every little thing you do all day, so it automates things. Think about how you drive somewhere familiar and barely remember how you got there.
Your brain has learned the route, so it doesn't ask you every time,
"Do I turn right? Do I turn left?" You've practiced that pattern enough that your brain runs it automatically.
Your money thoughts work the exact same way.
Every day your brain is learning and storing patterns. Some of those patterns move you toward financial peace. Some take you further away from it.
So think about this:
if every time money comes into your hand, your automatic thought is "I don't have enough, I need to earn more"...
if every time you want to spend money, the automatic thought is "maybe I shouldn't, maybe I should get the cheaper option" even when you have money in the bank...
if every time you have a great month, your automatic thought is "what if it doesn't happen again, that must be a fluke"...
You can practice those thoughts so many times that eventually you don't even realize you're thinking them.
In the moment you'll tell yourself, "I'm just being responsible or cautious." But the truth is, that pattern is simply a well-practiced scarcity pattern.
That is why having more money in the bank account doesn't automatically heal your relationship with money.
You can increase the amount in your bank account without ever changing the pattern in your brain.
The One Question That Starts Retraining the Pattern
Next time you find yourself second-guessing a purchase, don't immediately ask yourself, "Should I buy this?"
Instead, ask one simple question: What thought just showed up?
That's it. Don't try to fix it. Don't judge yourself for it. Don't even argue with yourself. Just notice the thought.
Maybe for you it's,
"It's too expensive, I should get a cheaper one." Or,
"What if I need the money later?" Or,
I don't deserve this, I should wait until I make more money."
You cannot retrain your brain to respond differently to a thought you don't even notice.
Once you've caught the thought, step two is bringing it back to God's Word.
As a Christian, I'm not teaching you to replace a scarcity thought with positive affirmation.
I'm teaching you to renew your mind with truth by understanding who God is. God is the Provider.
Our security isn't ultimately based on the amount in our bank account. And faithful stewardship doesn't always mean choosing the cheaper option, sometimes it means spending and saying yes without fear.
The goal isn't for you to become someone who spends without thinking. The goal is for you to become someone who can make wise decisions without scarcity making the decision for you.
What It Actually Feels Like When the Pattern Is Retrained
After doing my own work of healing my relationship with money, I remember how freeing it felt when my husband and I bought a brand new car cash. About $30,000 cash.
We didn't just walk into the dealership and say, "We have $30K, let's spend it." We did our due diligence as good and faithful stewards. We compared used cars and new cars, looked at the pros and cons, the bonuses and perks at different dealerships. After looking at everything, the newest car actually ended up being the best value for what we wanted.
I remember thinking, "This feels so good."
Not just because we bought a brand-new car because I could look at the $30K purchase, know we could afford it, pay it cash, and not get stuck in that scarcity mode, that anxiety, those sweaty palms and overwhelm. I was genuinely satisfied with the purchase. That was true freedom for me.
Not reckless spending. Not "I deserve to treat myself because I made more money." Freedom to make a wise decision without fear running the show.
If This Is You Right Now
Maybe you've had the biggest month ever, and you're still afraid to spend. Maybe you have money sitting in the bank account, but you're holding on to every dollar so tightly. Maybe you keep choosing the cheaper option even though what you really want is more expensive, and you can afford it.
If that's you, don't stay stuck in scarcity or poverty mentality. You need to start healing your relationship with money and retrain your brain to respond differently to the money you already have in your hand.
How do you think you're going to be able to steward more if you can't handle what you already have?
This is exactly the work I get to do with my clients teaching them to notice the thought, bring it back to biblical principle, and then train and practice a new response.
Because your brain is rewiring every day. The question is, what are you training it to believe and practice?
You Don't Have to Retrain This Pattern Alone
If you're ready for support, I invite you to visit funmoneyhabits.com/freecall.
It's a simple conversation, not about budgeting, but about your current relationship with money and what's actually happening. Because your current money patterns are affecting the way you earn, sell, spend, or invest in yourself.
Together we'll look at where you are, where you want to go, what could be in the way, and what makes sense for your next step.
The goal isn't simply to make more money. The goal is to become the fruitful and faithful steward God has called you to be.
Next time you catch yourself freezing over a purchase, remember the question: what thought just showed up?
That little thought might be showing you a pattern your brain has been practicing for years. And once you notice the pattern, you can start training to respond differently with God's truth instead of fear and scarcity.
→ Visit funmoneyhabits.com/freecall to book your free Money Mindset Clarity Call. 🌺
God bless you,
Coach Raina
Biblical Money Mindset Discipleship Coach
