How to escape from a money rut

By Kimberly Palmer | NerdWallet

Sometimes, climbing out of a money rut starts with a pep talk — to yourself.

“I like affirmations and speaking out loud,” says Giovanna Gonzalez, a financial educator and author of “Cultura & Cash.” Her favorite affirmations are statements like, “I am not a reflection of my money mistakes,” “I can improve my financial situation,” and “My finances are within my control.”

If you find yourself repeating frustrating money patterns, such as overspending or struggling to pay off debt...