Manifesting Money When You’re Broke: A Realistic 3-Step Guide

Let’s be honest—manifesting money when you’re broke feels impossible. You’re trying to stay positive, but the bills, the pressure, and the low balance are very real. I’ve been there. I remember questioning every $6 Starbucks drink, thinking, "Should I really be doing this right now?" Or when I was $19K in debt, wondering how I’d ever pay it off.

Fast forward just a few months later, I doubled my salary and paid off that debt in two years—comfortably—while growing my savings and investing.

This guide isn’t about pretending your situation doesn’t exist—it’s about making a few mindset shifts that will move you in the right direction. So you can calm your nervous system and trust that money is flowing your way, and everything is working out just as it should.

Stop blocking the flow, girlfriend. Let's get into it. These three steps will help you shift your energy, align with abundance, and start seeing real movement.

Step 1 — Shift from Panic to Presence

You Can’t Manifest Money from Desperation.

It’s completely understandable to feel fear and stress when finances are tight. Every manifestation guru is telling you to act as if you’re already living your rich, abundant life. But you’re thinking, How TF am I supposed to act rich if I can’t even afford my nails and my account is in overdraft??

Before you get reckless and go on an online shopping spree just to feel abundant, let’s pause. Let’s calm your nervous system first.

You cannot manifest from a state of fear, stress, or overwhelm. The first step is to relax your nervous system and your fears around money. You are always taken care of. Things are working out in your favor.

You’re not a bad person if you have debt or aren’t where you want to be financially.
You are the only one who can change your situation—and you have way more power than you think, baby girl. 💖

EFT Tapping - This is one of my favourite ways to rewire my subconscious and regulate my nervous system. Here is a free video on YouTube that I used when I first started. I actually cried the first few times I did it—it’s wild how much emotion and trauma we hold, especially around money.

There are also some really good ones on The Tapping Solution, I pay for the yearly subscription but I think they have some free options as well. The Tapping Solution is also a really good resource if you are not familiar with the benefits of EFT tapping and the science behind it, I recommend looking through their website to learn more. And of course there is a financial EFT tapping video in SCMA if you are in there!

If tapping’s not your thing, try breathwork or a journaling session.
The goal is to calm your fears so you can manifest from a neutral state.

You don’t have to be “vibrating super high” or feel like you’ve already won the lottery.
Start with calm. Start with safety.

Money loves safety. It wants to know you’ll take care of it when it arrives.

Affirmation: Money is coming. I am safe. I am open to receiving.

Ready? Let’s move on to Step 2.

Step 2 — Redefine What Abundance Looks Like (Now)

If your brain is constantly scanning for lack—“I don’t have enough,” “I can’t afford that”—it will keep finding more of it. That’s not manifestation. That’s survival mode.

To shift into abundance, you have to show your subconscious that money already exists in your world—even in small, unexpected ways.

Allow yourself tiny upgrades.
Say yes to the extra guac at Chipotle.
And when that voice inside says, "You shouldn’t be spending extra," pause and reframe.

You're in your rich girl era. Of course you can get the guac.

These micro-decisions build trust with your nervous system and shift your self concept into someone who has abundance.

You can do this when you pay bills too. Instead of complaining about them, show gratitude.
Paying your phone bill? Think: How lucky am I to have this phone that connects me to everyone I love, to business, to opportunity, to the entire internet?!

Gratitude turns survival into abundance.

It doesn’t even have to be about money. Notice abundance in the trees, the grass, the cars on the road. You live in an abundant universe. Let your mind start to see it.

If you like where I am going with this and want more you will love the Rampage of Appreciation in SCMA.

I also recommend checking out the book Happy Money: The Japanese Art of Making Peace with Your Money. I listened to it on audible, its an easy listen and will really give you a fresh perspective.

Step 3 — Take Aligned Action (Without Hustling)

This is where the fun begins! Creating portals and avenues for your new abundance to flow to you. Because hey maybe you will receive a magically cheque in the mail with your name on it and the exact amount that you need written on it. (That actually happened to me once!)

Side story: it was a cheque from my old cell phone company, after I had cancelled my plan and changed providers apparently they some how ended up owing ME money?? I had no idea, and one day they sent me a cheque in the mail it was for around $160 or something but it was funny because it was the EXACT amount I needed that month to help cover my expenses, crazy. I am just sharing that because I always wonder about where other people's magical cheques come from...like girl I am so happy for you...but so curious, who wrote you that cheque?! Anyway I digress, let's carry on.

Maybe it's not the magical cheque in your mailbox, well where is the money going to come from babe? If all you have is your full time job this is the time to get creative, now that you have calmed your nervous system, trained your mind to look for abundance, what is calling to you? Is there a side hustle you can start? A business you always wanted to do? This is the time to listen to your intuition and take inspired action.

Open up the possible paths that money and opportunity can find you. For me it was posting on social media, and even updating my LinkedIn page. I was able to have job offers and work opportunities come to me. I didn't have to go out there and apply for a million jobs. Because I took the inspired action and posted in the right channels, the opportunities flowed my way.

This is how you become a magnet to abundance. Money is all around, it is your job to unblock and allow it to flow to you with ease. It's so possible for you babe! If you are looking for more inspiration I recommend reading about Flora's story on the SCMA page about how she went from broke to making 2 million dollars in 2 years. I use her manifestation formula everyday to manifest sales into my business.

There is more than enough abundance in this world for all of us, now go get your bag Queen! xoxo

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