I'm in a bad frame of mind: my mood is low and my attitude is aggressive and antisocial. Your frame of mind comes 100% from yourself.
But a frame of reference is not so personal - it includes objective facts. It provides the parameters or reference points of thinking and behaving.
If I use Islam or Judaism as my frame of reference, then eating pork is a very bad thing.
If I use Christianity as my frame of reference, there is nothing wrong about eating pork.
If the Austrian School of economic theory is my frame of reference, it is wrong for the State to provide education and health care.
If socialist economic theory is my frame of reference, it is very good for the State to provide these things.