Have you got trauma or a rocky history with money? Stop beating yourself up about it. "Healing your money trauma means forgiving yourself for mistakes and getting rid of any shame about debt," Bentley-Moore says.
Did you grow up with a fear that you or your family didn't have enough money, or something to that effect? You may have carried these negative feelings into your adult life or gone the other way and created a habit of splurging and treating yourself too excessively. Get to the root of the financial habits or attitudes about money that you can't seem to shake, and attempt to heal them.