Our views on money are greatly influenced by how we were raised and what money concepts we were made to believe growing up. Most of us were introduced to the same sequence of life events: going to school, moving on to college, and then finding a job. This particular format made us think that once we’ve found a job, we won’t have to worry about money anymore. And, boy, were we wrong.

Most of us who are actually lucky to have found jobs live from paycheck to paycheck. This means having enough money to pay the monthly bills, have enough food on the table, go out a few nights every month, and possibly get to travel once or twice every year; but you know for sure you’d want more out of this life if you had the chance. You want to try out new dishes at fancy restaurants without having to live on instant noodles in the next few days. For sure, you want to travel more, fly business class, and stay in hotels with more than 3 stars. You definitely want to have enough funds to save and invest. 

How we go about our finances is deeply rooted in the mindset we are accustomed to. Therefore, transforming this mindset is a great step in improving the way we deal with financial matters. Here are a few tips on how to start your own transformation.

The story we tell ourselves every day becomes our very life, so be mindful of your script. Examine your inner dialogue and see if you have been too hard on yourself when it comes to money matters. Transform this inner chatter by adopting more hopeful and positive insights. If you have been beating yourself up for the student loan debts you haven’t finished paying off yet, try focusing on how much you’ve paid, rather than how much you still owe the next time you think about it. It’s simple, but it’s a start.

This is important to remember especially in this day and age when we have all-day access to the life of others -- or at least the way they curate it online. It’s easy to feel a pang of jealousy when you see your feed filled with travel photos, new purchases, weddings, and babies. Social media have been notorious in making people feel depressed, so never lose sight of the fact that you own your financial journey; because if you do, you might end up spending money on things you don’t need just to “keep up.”

Speaking of spending money on things you don’t need, we sometimes spend money to regain some sense of control. However, after using all that money and see how the impulsive buy messed up your monthly budget, you lose your sense of control again. The cycle goes on and on. When you find yourself scouring online shopping sites at the end of a very stressful workday, stand up and take a walk instead; and remind yourself that buying a second parka jacket (which will probably end up sitting unused at the back of your closet) will just stress you out more down the road.

It may be hard to be positive about all the money you owe, but you can give it a try if it means lifting the weight off your shoulders somehow. Decide that you want to get out of debt soon and make a debt plan, complete with timelines, action items, and personal deadlines. Create a tracker of your progress in paying off your debt and view it exactly like that: progress. You are moving forward and out of debt, and soon enough you will have more funds to move around with. 

It takes effort and courage to change your money mindset, and these tips can get you started. In a nutshell, these tips emphasize that in order to unlearn negative views on money, you must stay on top of your inner dialogue and thought patterns with regards to your finances. By doing so, you are leaving room for more productive and positive ideas on how to elevate your financial situation.

This article originally appeared on Payment1.com.