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Dr. Anna K. Schaffner

Identifying and Challenging Core Beliefs: 12 Helpful Worksheets

Updated: Jan 6, 2023

Anna Katharina Schaffner, Ph.D.
22-02-2021
What are core beliefs, and why do they matter? Core beliefs are our most deeply held assumptions about ourselves, the world, and others. They are firmly embedded in our thinking and significantly shape our reality and behaviors. In fact, nothing matters more than our core beliefs. They are the root causes of many of our problems, including our automatic negative thoughts.
Yet, core beliefs are precisely that: beliefs. Based on childhood assessments, they are often untrue. They are also self-perpetuating. Like magnets, they attract evidence that makes them stronger, and they repel anything that might challenge them. But it is possible to change them.
Before you read on, we thought you might like to download our three Positive CBT Exercises for free. These science-based exercises will provide you with a detailed insight into positive CBT and will give you the tools to help you identify and challenge core beliefs in your therapy or coaching.

Common Examples of Core Beliefs

Core beliefs were first theorized in the context of Cognitive-Behavioral Therapy (CBT). They are also known as schemas, which shape how we process and interpret new information (Beck, 1979; Beck, Freeman, & Davis, 2015; Beck, 2005; Beck, 2011).

Aaron Beck (1979) outlined three interrelated levels of cognition:
  • Core beliefs

  • Dysfunctional assumptions

  • Negative automatic thoughts

We can think of our automatic negative thoughts as the situational expressions of our dysfunctional assumptions and negative core beliefs.

Core beliefs are formed early in life and shaped by our upbringing and experiences. Because they are so deep seated and embedded, they are very difficult to change. Their original function is to help us make sense of our formative experiences, but they can become unproductive or even harmful later in life (Osmo et al., 2018).

Harmful common core beliefs usually come in the form of absolutist “I am …,” “People are …,” and “The world is …” statements.
  • We may think that we are bad, evil, losers, not good enough, incompetent, ugly, stupid, rotten at our core, unworthy, undeserving, abnormal, boring, existentially flawed, or unlovable.

  • We may believe that people are bad, not to be trusted, exploitative, or manipulative.

  • Finally, we may deem the world a dangerous place – unsafe or hostile enemy territory that has only bad things in store for us.

Judith Beck (2005, 2011) proposes three main categories of negative core beliefs about the self:
  • Helplessness

  • Unlovability

  • Worthlessness

The beliefs that fall into the helplessness category are related to personal incompetence, vulnerability, and inferiority. Unlovability-related core beliefs include the fear that we are not likable and incapable of intimacy, while worthlessness-themed core beliefs include the belief that we are insignificant and a burden to others.

If we have negative views of others, we may think of them as untrustworthy, as wishing to hurt us, or as demeaning, uncaring, or manipulative. All of these beliefs may make us very anxious to avoid rejection and overly keen to seek validation from others (Osmo et al., 2018). If our core beliefs are positive and helpful, we need to take no further action. If they are not, we must seek to transform them because core beliefs that are limiting are the root causes of low self-esteem. They shape how we treat ourselves, others, and even how others may treat us. They set the rules by which we live and the tone of our self-talk.

When our experiences do not align with our core beliefs, our minds – always set on avoiding cognitive dissonance – will twist them until they do.

Top 2 Core Beliefs Worksheets

A good starting point for exploring your clients’ core beliefs is this Core Beliefs CBT Formulation. It follows standard CBT methods and steps, asking us to analyze a situation, a thought, and a resulting feeling, and then to identify the underlying themes behind our recurring thoughts and feelings.

If we can detect patterns in our recurring negative thoughts, they may lead us to the core beliefs that are producing them. As a third step, we are invited to outline core strategies for dealing with these beliefs. The final part of this process involves some existential detective work to determine which significant childhood events may have shaped our core beliefs. This Core Beliefs Worksheet is another useful starting point for core belief work with clients. A simple and accessible awareness-raising tool, the worksheet prompts us to complete three statements: “I am …,” “Other people are …,” and “The world is …”

Clients are invited to explore when they first became aware of these beliefs, which experiences contributed to shaping them, and who in their family may hold similar opinions. Next, clients are asked to reflect on whether these beliefs still serve them. If the answer is no, we can begin to help them formulate and cultivate alternative views.

4 Ways to Identify Core Beliefs

Our negative core beliefs drive our dysfunctional immediate beliefs in the forms of attitudes and rules. If we believe we are unlovable, for example, this could translate into rules such as “I must be thin, because only then would I become lovable.”

Or we may think we have to be rich, or always agreeable, or overly helpful, or constantly self-deprecating, or that we must never say no to anyone to be worthy of other people’s love.


Because our automatic negative thoughts (ANTs) are the spawns of our core beliefs, we can use them as guides to trace our underlying core beliefs. The best way to identify negative core beliefs is, therefore, to look at our recurring ANTs and try to detect patterns and themes. We can begin by looking for patterns in our experiences and also in our interpretations of these experiences.


Vertical Arrow/Downward Arrow/Vertical Descent techniques use Socratic questioning to help uncover clients’ intermediate-level and core beliefs. Their purpose is to uncover the deeper origins of surface cognitions. The idea is to follow thoughts down to the underlying assumptions that produce them, like peeling away the layers of an onion.


The Core Beliefs Worksheet 2 hones in on negative core beliefs about ourselves. These beliefs tend to revolve around the themes of helplessness, unlovability, and worthlessness. It lists the most common beliefs in each category and asks clients to identify the ones that apply to them.


Finally, we can also have a closer look at our rules (or common beliefs). The Identifying Personal Rules worksheet is a handy tool. It encourages us to identify and challenge harmful rules, and to think about alternative rules going forward.

Dealing With Negative Beliefs: 4 Sheets

There are various strategies for dealing with negative beliefs.

The first is merely becoming more aware of our negative cognitions.

The second is understanding where they came from. When did we first think about ourselves, the world, or others in a particular way? Which experiences contributed to shaping these beliefs? Who in our family may hold similar opinions?

The third step entails challenging these beliefs. This includes a deliberate attempt at cognitive restructuring, identifying the cognitive distortions that are at work in our ANTs, and patiently amassing evidence that contradicts our beliefs until we can accept that they no longer serve us and let them go (Burns, 1980).

ANTs have been graced with much empirical and clinical attention, significantly more so than negative core beliefs, despite their crucial importance (David, Lynn, & Ellis, 2010). But given that ANTs can be the guides that lead us to our negative core beliefs, it is a great idea to use them as a starting point for identifying and then dealing with our more deep-seated negative beliefs.

This article on Challenging Automatic Thoughts is a rich resource for worksheets on ANTs.

The following four worksheets are particularly helpful tools for challenging negative beliefs:


Increasing Awareness of Cognitive Distortions encourages us to become more aware of our negative thoughts and unproductive beliefs and to identify common patterns of bias in our cognitions. It includes a helpful list of classic cognitive distortions (Burns, 1980; & David et al., 2010).


Identifying False Beliefs About Emotions is also very valid in our context. It hones in on false core beliefs about emotions with which we may struggle and that we might be afraid to express, asking us to challenge our underlying assumptions about what may happen if we expressed certain emotions.


Identifying Limiting Beliefs about Strengths asks us to reexamine how we think about our strengths. This approach might seem counterintuitive, but we may not be making the most of our natural talents or even feel ashamed or guilty about embracing some of our strengths. This exercise helps us to uncover what we believe about our strengths, what they mean to us, how we express them, or why we might hide or even suppress them.


Addressing Unhelpful Beliefs about Relationships, finally, asks us to explore the conscious or unconscious beliefs we may be holding about relationships. It is designed to emancipate ourselves from common myths, grant us more agency about our feelings, and enhance our wellbeing in intimate relationships.

Comprehensive List of Core Beliefs

This Table of Common Core Beliefs presents a reasonably comprehensive list of negative core beliefs. It is particularly useful because it presents these as specific rather than abstract beliefs and can also be used as a checklist.

Examples include:

  • I need to ‘earn’ happiness.

  • I need to control my environment to manage my feelings.

  • The world is a dangerous place.

  • Even my best efforts are not good enough.

  • Once someone knows me, they’ll lose interest.


It is a great accompaniment to our Negative Thoughts Checklist if you or a client are looking to tackle recurring negative thoughts.

Meaning and Valued Living Tools

A different approach to the mainly CBT-based methods discussed above involves interventions that focus on positive counterpoints to negative core beliefs.

As Viktor Frankl wrote in Man’s Search for Meaning (2004, p. 84): “He who has a why to live can bear with almost any how.”

At the heart of Frankl’s (2004, p. 104) logotherapy approach lies the idea that we need to break with our “typical self-centeredness” and reorient ourselves toward the meaning of our lives. A focus on meaning that is located outside ourselves – be that in the form of creativity, service, or relationships – will help us to overcome our psychological struggles more powerfully than problem-focused methods.

The true meaning of life, Frankl writes, is to be discovered in the world rather than within our own psyches.

Acceptance and Commitment Therapy (ACT), too, focuses less on changing our negative cognitions and beliefs but recommends instead that we accept them and then try to let them go (Hayes, Strosahl, & Wilson, 1999). Here is a resource filled with ACT worksheets and exercises.

Russ Harris, the author of The Happiness Trap (2007), argues that we have far less control over our thoughts and feelings than we like to think. He challenges CBT’s assertion that we must reason ourselves out of unwanted states of mind.

Willpower, he argues, is a limited resource. It is, therefore, better to manage our condition than to expend all our energy on trying to avoid or change bad thoughts. Instead, we should simply observe and accept them and then try to let them go.

Harris (2007) suggests that our counterproductive control strategies are our core problem. Our attempts to curb negative thinking or change unproductive core beliefs take up vast amounts of time and energy and are usually ineffective in the long run. He proposes we completely stop trying to control our thoughts and beliefs, refrain from labeling them as good or bad, and aim for a value-led and action-driven approach to life.

What would such an approach look like in practice? We may, for example, practice thinking “Thank you, mind” whenever it bombards us with unhelpful thoughts and not take the content of those thoughts too seriously.

We may want to remind ourselves that our thoughts are just words and opinions and that our beliefs are just that. They are nothing more than the noise of our endlessly chattering minds. You can access the complete worksheets from Harris’s The Happiness Trap (2007) on the book’s website.

The history, theory, and practice of value- and meaning-based interventions are explained in Dr. Hugo Albert’s hugely inspiring Meaning and Valued Living Masterclass. Various exercises in the PositivePsychology.com Toolkit encourage us to hone value-based living and seek meaning that is located outside the self.

The Self-Eulogy exercise, for example, helps us to clarify our values and how we can use them as guides that shape our behaviors and decisions. Knowing our values helps us to live more fulfilling and more prosperous lives.

Imagining our own funeral service and what we would like people to say about us can be a powerfully clarifying exercise. It also demonstrates how much we are already living in accordance with our values, or which steps we might have to take to live more fully in line with them.

The Top 5 Values Worksheet helps us to choose directions in our lives that are in line with our core values. It is designed to increase awareness of our values and helps us reflect on the importance of these values and their meanings. It includes an extensive list of values and asks us to identify five, to rank them, and to specify their significance and importance in our lives.

Finally, the Values Diagram seeks to create awareness of a possible gap between our behavior and our values. It uses visual tools to illustrate this discrepancy and is a very effective intervention that steers us to more value-driven behavior.

It asks us to divide a circle into slices that represent the time we spend on different elements and areas of our lives. In a second step, we are invited to create a circle that is sliced up in an ideal way, showing how and with whom we would actually like to spend our time.

A Take-Home Message

Nothing seems more urgent than working on our core beliefs if they prevent us from thriving in our lives. They are the root cause of most of our psychological problems, determining our self-image, cognitions, beliefs about the world and others, and personal rules. They make us see everything through a glass darkly. They also generate and shape our automatic negative thoughts.

To transform our core beliefs, we can try cognitive restructuring methods to train our minds to embrace more productive attitudes. We can venture into our pasts to unearth their origins and use patterns in our experiences and our interpretations as guides for uncovering their all-pervasive influence.

We can also try to manage them by using second-wave positive psychology approaches, such as ACT-based interventions. These approaches seek to shift our focus away from problematic cognitions to value, meaning, and positive action taking. Rather than trying to correct negative core beliefs, they ask us to accept them and to be mindful of the fact that they are mere opinions.

Like fake news, however, harmful core beliefs are very difficult to control and eradicate and have the power to cause much long-term damage. Whether we may wish to activate a constant inner fact-checker, tasked with assessing the integrity of our cognitions, or instead decide to acknowledge but then to let them go depends on our therapeutic preferences.

The former approach takes the content of our own core beliefs seriously and tries to provide rational counterarguments to disempower them. The latter does not grace their exact content with too much attention. The hope is that by recognizing and labeling our unhelpful core beliefs as the ‘fake news’ of our psyches, they will lose most of their power and influence.



About the Author

Dr. Anna K. Schaffner is a Reader in Comparative Literature and Medical Humanities at the University of Kent. Her latest non-fiction book explores the long history of the idea of self-improvement. It traces formulas for self-improvement in philosophical, religious, psychological and self-help texts from ancient China to the present day. She is also a qualified coach and has a deep interest in positive psychology and the art of self-improvement.

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