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How to Pay off Debt and Improve your Money Mindset

How to Pay off Debt and Improve your Money Mindset

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Money. Does that word make you excited? Or nervous? Either way, you know it’s something you need to learn  more about and Chloe Elise, millennial money coach and founder of Deeper Than Money, is here to help. 

Chloe paid off $36,000 of debt in 18 months and now coaching, Chloe  helps millennials pay off their debt, get ahead with their finances and save for future investments.  She is an expert when it comes to negotiating & managing money, and advocates for her clients to optimize their finances instead of sacrificing the things they love. 

What’s the difference between an abundance and a  scarcity mindset?

If you don’t know what money mindset is, it’s basically a fancy way of saying “your beliefs around money,” Chloe explains. When you have a scarce money mindset, it’s this constant thought of “there will never be enough.”You always feel stressed about money, no matter what’s in your bank account, and you have limited beliefs around how much money you are capable of making. 

An abundance mindset is when you operate from a place of feeling good and stress-free about money. You know that there is always enough and you can always make more. But Chloe makes a point to say,  “Being abundant doesn’t mean you’re spending like a mad woman.eing abundant means you’re spending in alignment.”

In this episode, Chloe also gives advice for how those operating from a place of scarcity can begin to think more abundantly around money and therefore, drastically improve their lives and businesses.

How does manifestation play a role in generating more money?

Chloe points out that manifesting future wealth is NOT ‘buying the Chanel bag because that’s what your future, wealthier self would do’. That’s not manifestation. Manifestation has to do with the stories we subconsciously tell ourselves around money. 

For example, if you tell yourself,  “I’m a broke girl and I’ll never get ahead,” that story will manifest as your reality. Vs telling yourself, “I’m the girl who wins with money”, you will begin operating from that place, making decisions that are confident and capable, and then ending up making more. Chloe explains that we are all in charge of our lives & our financial situations and it all starts with the story you’ve created in your head. So check in on yours! 

What is Chloe’s best advice when it comes to paying off debt?

Chloe recommends tackling paying off debt in three steps, while still allocating an affordable amount to your personal life to ensure you commit to paying off your debt happily:

  • Create a safe space to look at where you’re at and get really clear on that. This is something many people avoid because of the shame, guilt and embarrassment that comes along with acknowledging your debt situation, but you can’t progress without knowing where you’re starting.
  • Next, think about where you want to go and  write that down. What are your financial goals? What do you want to save for? What are your priorities?
  • Finally, after tracking your spending, start paying off your debts in order of priority. Chloe has a system she outlines on the show of allocating totals, or percentages, to make the paying-off process easy.

She also gets much more specific on these three steps in the episode, so be sure you have a listen.

What tips and financial advice is recommended to those wanting to leave 9-to-5’s?

In the episode, Chloe and I talk about so much more  , including saving advice, financial tips for making the leap from corporate to self-employed and how  to prepare when starting your own business. Her advice on being strategic with the leap out of your 9-to-5 is so insightful and is advice I honestly wish I had been given before I made mine.


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  1. Lilija says:

    It’s very hard to think that I have enough money when I don’t have enough. But I agree – it works. How do you make it a habit to think that there is enough money?

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Frequent flyer, NYC-based serial entrepreneur, online educator, mama to a Bernedoodle pup, and lover of long baths.

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