Having lots of STUFF isn't neccesarily a mentality of abundance. Having the impule to go out and shop, and spend all the money, and not pay your bills etc...leaves you lacking, so that would be a mentality of lack.
When you are in a mentality of lack, you manifest a continuation of that lack. And the universe will help you manifest it, by giving you the inspired thought, or impulse to fulfill that mentality, because that is your focus, lack.
Being responsable, and paying your bills first is a frugal, (not stingy) mentality, and it ebbs towards saving. If this is your mentality, the universe will help you to fulfill that, by growing your savings.
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