Club accounts have been subjected to assessment for the last two years under the FFP regulations laid down by European football's governing body UEFA, with outgoings being measured against revenues from football activities, and those wishing to participate in European competition are not permitted to make significant losses.
The changes are certain to affect Chelsea's usual approach to the transfer market and cast doubt on the possibility Mourinho will this summer exceed the estimated £70million he spent on players when he first arrived at Stamford Bridge in 2004.
The Blues have already signed Andre Schurrle from Bayer Leverkusen for an undisclosed fee while Napoli striker Edinson Cavani, Zenit St Petersburg forward Hulk and Galatasaray playmaker Wesley Sneijder are all reported targets.
He told chelseafc.com: "It's very motivational and demands more from you. You have to think more about every decision and every move.
"Every wrong move you make has an influence on the future. You need to work more closely with the board in the financial area, you have to have a different perspective and a different look at the players on loan and youth football.
"It's more global. Instead of just focusing on your team, and your targets and ambitions, it's an overall view. It's a different profile of job and I'm happy with that, I'm enjoying that."
Mourinho has identified regular qualification for the Champions League as one key to maintaining Chelsea's economic stability.
"We need to go back to this stability," he added. "It's important for the players, for the young players' development, for the club, for the fan base and for the economic situation which is more important with Financial Fair Play.
"This is what we want, me as a manager, the owner and the board. The owner and the board want stability and then after that if we are working well and working together, success comes naturally.
"Everybody accepts the way we are going. I'm not trying to push in a different way. We are all in the same direction."