Financial Thermostats and How To Adjust Yours

23rd July 2020

If you live in a home with central heating, you’ll no doubt be familiar with the role the thermostat plays in regulating temperature.

When the temperature drops below the pre-programmed setting, the thermostat signals the boiler to fire up and bring the temperature back up.

When the set temperature is reached, the thermostat registers this and signals the boiler to turn off again.

Conversely, on a warm day, if the temperature rises above the set point, the boiler won’t be signalled to fire up again until the temperature drops below it.

Straightforward enough. And commonly understood.

But what’s less commonly understood is that as human- beings, we have thermostats too! 

And the one internal thermostat we each have which leads to more problems, frustration and stress for more people than any other – except perhaps the one which regulates our health and weight – is our financial thermostat!

Whether we’re conscious of this or not, we each have one and like it or not, it governs our entire relationship with money.

It governs how much we earn, how much we spend, how much we save and ultimately how much or how little of it we’ve got!

Our financial thermostats are sophisticated too….

When it comes to our income, when we get ahead of our income thermostat – then despite a conscious desire and intention to keep on going – it’s the thermostat which is in control and it does what it does to bring our net result back in line with the programmed set point!

Good month, Bad month, Good Quarter, Unexpected Costs, Good year, not so Good year. Yada, yada.

And when we get below the set point, the thermostat supports us to get back on track and back up to speed.

Bad month, good month, etc., etc.

One of the biggest challenges we have in recognising how our own financial thermostat is set is that we’re conditioned to look to the things outside ourselves in order to justify our results or position.

But these ‘external things’ are merely symptoms, they’re never the root cause. The cause is how we’re programmed in relationship to money!

And for many of us, this programming comes in the form of beliefs we’ve inherited about money in our infancy from well meaning parents or others or which we’ve unwittingly re-enforced through our own internal mental conversations.

Beliefs like ‘money is hard to earn’ or ‘if you want to get ahead you’ve got to work really hard’, etc., etc.

Internal conversations like… ‘Why can’t I ever seem to get ahead? Why can’t I earn what I know I’m capable of earning?’

So how do you tell how your thermostat is set with regard to money?

The simple answer is to look at your results or, more importantly, look at the patterns of your results over time. They’re a direct reflection of how your thermostat is set!

How do you adjust your financial thermostat?

There is only one way.

Which is to shift your internal self-image or your consciousness as it relates to money.

Sometimes this can happen as the result of an emotional impact which in most people’s experience is negative and results in a downward adjustment. (eg a separation or divorce).

It can be positive but this is rarer and positive impacts don’t necessarily guarantee an upward thermostatic adjustment!

“I don’t know what happened but I ended up blowing the lot!”

For example, the reason so many lottery winners end up back where they started financially is, despite their wins, their financial thermostats don’t change!

Be it £100 or £10M, they’re pre-programmed to spend whatever they’ve got!

Upward adjustments can happen over time too whereby we shift our beliefs from one year to the next but such changes are typically the result of past performance creating the new belief and these adjustments are typically incremental.

To really make a big upward (permanent) shift in our thermostat and corresponding results, we need to go through a process of consciously choosing to shift our ‘money consciousness’ and our ‘self-image’ as these relate to money.

And the first step in doing this is to accept responsibility.

We’ve got to give up blaming other people, events, circumstances, the economy or anything outside of ourselves.

We’ve got to own that it’s us. It’s our consciousness. It’s our belief system. We are the cause of the effects! It’s not the products, the market, the boss, our partner or the economy. It’s us!

Next step is to embark on the process of replacing the subconscious beliefs and assumptions we hold about ourselves, about money and our relationship with money.

To replace them with beliefs which are in line with our desires.

And this requires commitment to a process.

And it also requires support. It’s almost impossible to do on one’s own.

We’ve got to find someone who knows what they’re doing and who can show us a proven process and a proven path.

Without this, the old thinking and the old behaviours will remain in place and the same old familiar patterns of results will follow us regardless of whatever strategy we may choose to create a better outcome.

And regardless of our continued conscious awareness that we’re capable of so much more.

Because the conscious awareness isn’t what’s driving the results!

Our financial thermostat is in our subconscious mind, not our conscious mind. Knowing how to do better and knowing what to do isn’t enough.

We all know how to do better than we’re doing; our problem is we’re just not doing it.

If you’d like to close this gap and really dial up your thermostat or the thermostats of those in your team, I can show you how.

I don’t work with everyone; I only work with those who are serious about change but if you’d like to learn more about the path and how I support my clients to shift their consciousness and results, let’s talk.

You can book a call with me here: