Believing that you are a failure who will never get ahead will cause you to make choices that reflect that belief. In this way, negative self-talk becomes a self-fulfilling prophecy (via Debt.org). Telling yourself, “I’ll always be broke,” will cause you to give up and, in self-resignation and defeat, break out the credit card to buy something unnecessary that will make you feel better. Instead, talk to yourself about the positive steps you are taking to get control of your life so that you are no longer in financial bondage (via Debt.org). Changing your beliefs is an integral part of altering your habits, transforming your destiny.