Many of us know what we're supposed to do when it comes to basic money management - spend less than you earn, save an emergency fund, and invest for retirement. However, establishing these types of good money habits is always easier said than done.

Money management, like many important things in life, requires discipline. Add to that the guilt and shame that some of us carry when it comes to finances, and you have a recipe for money management misery. Or, at least, a sense of why the "ostrich approach" can seem more appealing than tackling underlying issues.

Fortunately, there are some simple steps you can take to move from negative feelings and lack of discipline to a positive money mindset and great habits.

So, here are the 8 ways to create a positive money mindset…