Growing your Financial Love & Self-Care

February is the month of romantic love, or so we are told via a long-time marketing ploy to get us to spend money on cards, flowers, chocolates, jewelry, etc. But, I want to talk about a different kind of love—the kind that helps us sleep better at night, reduces stress, and helps build a life focussed on joy and what we value. That’s right, I’m talking about financial love and self-care.

Money isn’t just about paying your bills and saving what you can every month; it’s a tool to create freedom, peace, security, and joy. The way you treat your money is a reflection of how you treat yourself. So, let’s dive into how you can show your finances some love and use your money as an act of self-care.

What Is Financial Love?

Financial love is about nurturing your relationship with money in a way that feels empowering rather than stressful. It means treating your money with respect, being intentional about how you use it, and recognizing that financial well-being is a form of self-care. Just like a loving relationship, your financial health requires attention, effort, care, communication and consistency.

Ways to Show Your Money Some Love

1. Check In With Your Finances Regularly
   Just like you wouldn’t ignore your best friend or significant other, don’t ghost your  accounts. Schedule a weekly money date to review your spending. Have a monthly date to check in with your savings and money buckets. Pour a cup of tea (or a glass of wine), light a candle, and make it a feel-good ritual.

2. Conduct a Review to Eliminate What’s Weighing you Down
   Where is your money going? Where can you be more creative in your spending to allow for more fun in your life and provide yourself with the things that truly matter to you. Where are you in regards to the 50/20/30 spending guideline? Are you spending more than 50% on mandatory expenses? More than 30% on discretionary items? Are you anywhere close to saving 20% of your money for the future? Where is there fluff you can clean up to make your money work smarter and harder for what you want in life? 

3. Develop a Spending Plan That Supports Your Happiness
   Budgets shouldn’t feel restrictive or remind you of a diet—they should feel freeing! Think of your spending plan as a way to prioritize what truly matters. Allocate money toward experiences (and not meaningless stuff) that will make you not only feel good in the moment, but will provide wonderful memories.

4. Automate Your Financial Self-Care
   Set up automatic transfers to savings and investments so that taking care of future-you happens effortlessly. Paying yourself first is one of the best forms of financial self-love. Think of this as a way to help your older self to not be stressed about money. 

5. Break Up With Financial Stress
   If you constantly feel anxious about money, it’s time to take control. Identify your biggest financial stressors and create a plan to tackle them. Whether it’s paying off debt, building an emergency fund, or asking for a raise—take action instead of avoiding the issue. Set deadlines and SMART goals. 

6. Create a Free-Fun List
   Put a list in your phone of at least 20 things you can do for fun that don’t cost a dime. When I’m running low on discretionary income for the month and I’m bored or want to do something fun with a friend, I turn to this list. It is truly amazing how much fun you can have with absolutely no money. This is your chance to get really creative!

7. Invest in Yourself
   Self-care isn’t just about bubble baths and spa days. It’s about investing in your growth and well-being. Whether it’s taking a course, hiring a financial coach, or funding a dream project, use your money to build a life you love.

8. Celebrate Your Wins
   Every financial milestone—big or small—deserves recognition. Paid off a credit card? Saved your first $1,000? Stuck to your spending plan for a month? Celebrate! Positive reinforcement makes financial self-care sustainable.

Final Thoughts: Show Yourself and Your Money Constant Love

Money should be a source of empowerment, not stress. When you build a healthy relationship with your finances, you give yourself the freedom to live with confidence and joy. This February, show yourself some love by taking care of your money—because financial well-being is self-care at its finest.

Ready to start your financial love journey? Let’s make it happen—your future self will thank you! Schedule your free Q+A with me today.