Financial stability isn’t about how much money you make—it’s about how you interact with your money. Today, we’re breaking down what it means to create financial stability, even when your income feels inconsistent.

 Why Does Your Income Feel Unstable?

Let’s consider two common scenarios:

• You receive a steady paycheck—weekly, biweekly, or monthly—but despite having a predictable income, you still feel financially unstable.
• You’re making more money than ever before, yet you feel stuck and unable to make financial progress.

Most people assume that instability is tied to how much they earn. In reality, it’s rooted in how they manage and relate to their money.

Have you ever felt like no matter how much you make, it never feels like enough? If so, you’re not alone. The real source of financial frustration stems from three things:

The Three Causes of Financial Instability

1. Instant Gratification – The desire to satisfy every financial want immediately.
2. Scarcity Mindset – A focus on what you can’t afford rather than what you have.
3. The Illusion of "Not Enough" – Believing that financial stability comes from constant spending and acquiring more.

Breaking the Illusion of "Not Enough"

We are constantly influenced by social media, advertising, and societal expectations. These outside pressures trick our minds into believing we are lacking. For example:

A holiday is approaching, and suddenly, you feel pressured to spend money to celebrate. But is it truly a necessity? Or are you responding emotionally to outside influences? This cycle leads to unnecessary financial strain and the false belief that you don’t have enough.

The truth is: Feeling deprived often comes from focusing on what you don’t have, not from actual hardship.

How to Shift from Scarcity to Stability

Here are three key strategies to create a sense of financial stability, no matter how unpredictable your income feels:

1. Create a Financial Rhythm

• Stop imposing extreme restrictions or feeling guilty for spending.
• Establish a flexible yet consistent money routine.
• Example: Schedule a weekly check-in to review your income, expenses, and savings goals.
• Savings Tip: Even if you can’t save as much as you’d like, having a savings habit—even a small one—puts you ahead financially.

2. Master Delayed Gratification

• Not every financial desire needs to be fulfilled immediately.
• Use the "Desire Parking Lot" method: Instead of saying no, say "not now, but later." Write down your desire and revisit it in 30 days. If it still matters, make a plan for it.

3. Shift to Sufficiency & Gratitude

• Recognize that financial security isn’t about having everything—it’s about appreciating what you already have.
• Shift from "I don’t have enough" to "I have what I need, and I can make the most of it."
• Example: If you can’t afford a luxury spa day, find alternative ways to experience joy—take a mindful walk, connect with a friend, or enjoy a quiet moment of reflection.

Challenge: Find Joy Without Spending Money

For the next seven days, challenge yourself to find one way to enjoy life without spending money. Then reflect on how it made you feel.

Final Thoughts: Stability is a Practice

Creating financial stability isn’t just about money—it’s about your relationship with money. The more you practice these habits, the more financially confident and secure you’ll feel.

Now, I’d love to hear from you: What’s one takeaway from today’s session that shifted your perspective? Drop it in the comments!

Your Money Life Coach Christiane