Let’s say your car breaks down and will need expensive repairs before it can be driven again, but you don’t have the money to pay for the repairs right now and you still have to get to work somehow. You can choose to pay for the repair on your credit card, or you can choose to find alternate transportation until you’ve saved up enough to pay for the repairs. Choosing to put the repair on your credit card will make you “unlucky” by creating high-interest credit card debt that can quickly spiral out of control and be difficult to pay off. Choosing to delay the expensive payment until you’ve saved up the money for it will make you “lucky” by keeping your finances in good order. It will also give you time to shop around for repairs and get even "luckier" by finding a place that can do the work for less money.
To keep your attitude positive, pay close attention to the company you keep. Good friends who also have positive attitudes toward money can keep you out of financial trouble. There are also a lot of great books out there on the subject. I particularly like Secrets of the Millionaire Mind by T. Harv Eker, which you'll see me recommend over and over again on this site. A large part of the book is dedicated to correcting misconceptions those of us who are not wealthy have about people with money. Remember, you create your own luck, and you can choose to be lucky.
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