Why You Keep Sabotaging Your Finances (And How to Stop) with Catherine Belford

Ever felt like you’re bad with money or constantly wondering why you can’t seem to get ahead even when you’re working hard? This episode of Get Rich is for you. Host Molly Benjamin chats with Catherine, financial planner, money coach, and human design practitioner, about why we fall into money self-sabotage patterns (like doom scrolling and overspending) and how to finally break free.

You’ll learn:

• How childhood money stories shape your financial habits
  
• The most common ways women self-sabotage with money (and how to spot them)
  
• Practical tools to stop impulse spending (including the “urge journal”)
  
• How to set up a simple bank account structure that actually works
  
• Why money mindset is just as important as money management
  
• What to do if your partner isn’t on the same financial page
  
  

Catherine shares inspiring real-life client transformations from paying off tax debt, to rebuilding after divorce, to finally finding financial freedom.

If you’ve struggled with overspending, want to feel more confident with cashflow, or are ready to align your money with your values, this conversation will give you the tools and motivation to take action today.

This episode is brought to you by InvestorKit, Australia’s #1 Buyers Agency for 2023 and 2024. They specialise in helping investors find high-growth properties utilising industry leading AI and data driven research process across Australia. 70%+ of the properties they purchase are off-market and they have consistently outperformed national average capital growth rates by over 49%. Whether you’re looking to build your property portfolio or secure your first investment. Check them out here.

CHAPTERS

00:00 – Welcome & intro
00:20 – Catherine’s work: planner → money coach → human design
00:49 – Human design + money
01:24 – Most common client issues
02:15 – Self-sabotage: looking to the past
02:57 – Urge journal to stop doom-scroll spending
04:22 – Seeing where the money goes
05:32 – One account problem; need for structure
06:30 – Money is emotional; worthiness & earnings
07:18 – Starting a business: know the numbers
08:23 – Profit First & tax set-asides (25–30%)
10:42 – Cashflow setup: bills vs everyday + purpose pots
12:54 – Client transformations: from stressed to free
17:11 – Super paid into the wrong fund: check it
18:59 – Reframing “I’m a spender” / “I’m bad with money”
20:12 – The 5-second pause: “How will this improve my life?”
22:31 – Mindset shifts take time; journaling & mantras
23:07 – Gratitude ritual
24:25 – Identify patterns; subscriptions first
27:35 – When your partner isn’t on board
29:48 – Aligning as a couple without merging everything
31:55 – Money stories, trauma & couples coaching
32:59 – Who Catherine helps
33:46 – How to contact Catherine
34:03 – Wrap-up

LINKS AND RESOURCES

Profit First - Mike Michalowicz - percentage-based cashflow method for small business

CONNECT WITH CATHERINE BELFORD 

Website: https://www.joyfulmoney.com.au/
LinkedIn: https://www.linkedin.com/in/catherinebelford/
Facebook: https://www.facebook.com/JoyfulMoney/
Instagram: https://www.instagram.com/joyfulmoneycoach/

CONNECT WITH LADIES FINANCE CLUB

Join our free Facebook group - Ladies Finance Club Money Chat
Website: https://www.ladiesfinanceclub.com/
Instagram: https://www.instagram.com/ladiesfinanceclub/
LinkedIn: https://www.linkedin.com/company/ladies-finance-club/

TAKEAWAYS

• Catherine integrates human design into her financial coaching.
• Clients often struggle with self-sabotage in their financial behaviors.
• Money is deeply emotional and affects decision-making.
• Creating a structured cash flow is essential for financial success.
• Transformative client stories illustrate the impact of coaching.
• Recognizing self-sabotage is the first step to overcoming it.
• Building a positive money mindset takes time and effort.
• Practical exercises can help improve financial awareness.
• Navigating financial conversations in relationships is crucial.
• Catherine works with clients ready to invest in their financial future.

SOUND BITES

"I now work with clients on their money behaviors."
"It's not an overnight fix. It takes time."
"They're ready to invest in themselves."

TRANSCRIPT

[00:00:00]

KEYWORDS

financial coaching, human design, self-sabotage, money mindset, emotional spending, cash flow, financial planning, client transformation, money awareness, relationship dynamics