I used to be exactly the same way: if someone had followed me around all day and made a list of every negative comment I made regarding money, the results would have been shocking, to say the least.

So how about you? Do you speak well of money, prosperity, success and wealth? Or do you fill your speech with images of lack, limitation and hardship?

Take it from someone who has been both wealthy and poor, the world we live in does not respond well to negative money-talk. Those who are wealthy already know this (either consciously or sub-consciously). They'll say, "It's nice to have money," "I'm grateful that I'm wealthy," I'm worth investing in." And the real trick is, they speak this way as a matter of habit-they believe it!

Wealthy people reaffirm their wealth with their language, not to show off or make others feel bad, but to constantly remind themselves that abundance is their birthright. And by the way, abundance is your birthright too.

Now you may be saying, "I'm not rich a rich person," or "I can't afford to think that way." But the truth is you can't afford not to think this way.

"Energy flows where attention goes," means that your thoughts (and by proxy your language) sets the tone for the kind of life you will live. Many people call this the Law of Attraction, but it's also age-old common sense. Thousands of years ago Babylonian farmers were aware of this concept, and nearly every culture in the world has a folk saying that relates this exact same point.

Have you seen those studies that show that houseplants grow better when given plenty of love and attention by their owners? Some people even talk, sing or pet their plants, and guess what? This has been proven (not "assumed," but proven by scientific research) to increase the well being and growth of the plant.

So ask yourself: If giving lots of positive attention to a plant causes it to grow quicker and increases its well-being, do you THINK it's possible that giving positive attention to your money causes it to grow quicker and increase your financial well-being? Hmmmmm...

Every negative statement you make about money is a kind of curse, and can quickly become a self-fulfilling prophecy. If you have habits of talking negative about money, it's time to make a course correction. Replace negative and limiting comments with words that represent abundance, success, prosperity and fun! Soon you'll have a new habit that will serve you much better.

The way I think about money has changed dramatically since the days when I was eating "doughnuts for dinner." So is it just pure coincidence that my financial situation is also light-years better than it was back then? I'll leave that to you to decide, but in my mind, it's no coincidence at all.