5 Simple Money Habits That Make Managing Your Finances Feel Effortless

Money Rituals & Practices
Written By Ashleigh Candice

Hey there, Beautiful!

I know managing money can feel overwhelming at times. As a woman, juggling everything on your plate family, work, self-care. Money is often the last thing we want to deal with. But what if I told you that managing your money could feel just as easy as your morning coffee routine? Imagine waking up every day knowing exactly where your money stands, and feeling confident and empowered about your financial future.

It’s all about small habits that add up over time and make a massive difference in your financial well-being.

Let’s dive into these five simple money habits that will help turn things around financially and for from stressed out and broke to financial bliss.

1. Track Your Spending with Ease and Clarity

Tracking your spending doesn’t have to be a stressful task. In fact, once you get into the habit of knowing exactly where your money is going, you’ll feel a sense of freedom that’s unlike anything else. It’s all about creating awareness and being intentional. There are a whole bunch of Apps designed specifically to do just that, I personally use Frollo.

Tip: Try tracking your expenses for a week. Write down or look at every dollar spent. You'll start to see patterns, and once you do, it’s easy to adjust. You’ll get closer to your financial goals and feel more empowered with every decision you make.

Need a starting point? Grab my FREE Money Bliss Cashflow Method Cheatsheet to help you create a balanced and stress-free cash flow system that aligns with your values.

2. Automate Your Savings Like a Pro

We all know that saving money is important, but life gets busy. One of the easiest ways to make saving effortless is by automating your savings. Set it up once, and you’re done! No more stressing about where the money is coming from.

Tip: Start small just $10 or $20 each pay can make a huge difference over time. Start small and readjust as you create more breathing room. It's like setting it and forgetting it, while watching your savings grow without lifting a finger.

Want to make this process even easier? My Financial Daily Check-In Notepad will help you track your savings and stay connected to your finances every single day.

3. Have Regular “Money Dates” with Yourself

If you’ve been feeling disconnected from your finances, it’s time to treat your money with the care it deserves. I can’t stress enough how transformative Money Dates were in my own journey. This practice became a key shift for me in how I felt about money, and it truly helped me go from feeling overwhelmed to empowered.

I made Money Dates a part of my self-care routine. Each week, I carved out intentional time to check in with my finances, but I made sure it wasn’t a stressful, hurried task. I lit a candle, popped on some uplifting music, and poured myself a cup of tea, sometimes with a chocolate treat to make it extra special. It changed the way I showed up for my money.

It wasn’t just about reviewing my bank account or paying bills. It was about giving my money the love and attention it deserves, just like I would nurture any other part of my well-being. These moments became a celebration of my financial growth, and I was no longer afraid to face the numbers in my bank account.

Tip: Schedule a weekly “Money Date” with yourself. Set aside at least 30 minutes to go over your budget, review your savings, reflect on your spending and check in on your financial goals. Make it a time to connect deeply with your financial situation not to stress, but to appreciate and intentionally plan for the future.

Create a peaceful and reflective atmosphere that aligns with the positive energy you want to cultivate around money.

Want to make your Money Date even more intentional and empowering?

Check out my Money Date Kit. This digital bundle includes all the tools and resources you need to make your Money Date a powerful and rewarding habit. From prompts that guide you through your financial review to tips for cultivating a positive money mindset, this kit will help you create a loving, intentional relationship with your finances.

Grab your Money Date Kit today and start creating the financial peace and abundance you deserve!

4. Practice Gratitude for Your Money

I know this one might sound a little woo-woo, but hear me out. Practicing gratitude for your money changes everything. When you focus on what you have instead of what you don’t have, you open up space for more abundance to flow into your life. And the best part? You can weave this gratitude practice directly into your Money Date to make it a more uplifting and powerful experience.

For me, closing each Money Date with gratitude became a beautiful way to shift my mindset around money. I’d take a moment to reflect on the money flowing in and out of my account. Instead of focusing on what I didn’t have or what was stressful, I’d give thanks for what was present.

Tip: At the end of your Money Date, write down three things you’re grateful for related to your finances. Maybe it’s the ability to pay your bills on time, having enough to buy a cup of coffee, or the unexpected bonus that came your way. Focusing on these positive aspects of your financial life will help you feel more at peace and less stressed about money.

Gratitude alone isn’t enough to keep you on track. You need a tool to help you stay connected to your money daily. I highly recommend using our Financial Daily Check-In Notepad. This simple tool is designed to help you check in with your money every day, so you can stay aligned with your financial goals and shift your mindset whenever needed.

By checking in daily, you’ll not only gain clarity about where you stand financially, but you'll also be able to catch small issues before they become big problems. Plus, it’ll help you stay motivated and grounded, even when life gets busy.

5. Reset and Refocus Your Financial Strategy

Shifting your relationship with money isn’t a one-time event, it’s an ongoing process. As you work on changing old patterns, developing these new habits, and building a healthier mindset around money, you’re bound to face setbacks or slip back into familiar ways of thinking.

That’s where the 10 Day Financial Reset comes in. Think of it as your go-to tool to help you reset and refocus when life gets in the way. It’s not about a quick fix, it’s about creating a solid foundation and maintaining it as you continue your financial journey.

What you'll get:

  • Clarity on your current financial situation

  • A proven method for breaking free from financial stress

  • Simple, actionable steps to create a strategy for long-term financial success

  • Exclusive negotiation scripts to save you money on bills, loans, and subscriptions

  • A clear path forward, so you can take control of your finances without feeling overwhelmed

This reset isn’t a one-and-done process. Instead, it’s a reliable tool you can come back to whenever you feel off course. Whether you need to adjust your habits, reset your financial goals, or simply regain confidence, this mini-course will keep you grounded and moving forward.

You’ve Got This!

By following these 5 simple steps, you’re already on your way to creating a healthier, more empowered relationship with your money. Every step you take moves you closer to the financial freedom and peace you deserve.

I’ve been there myself. As a single mum of five boys, with no job and relying solely on government support, I was barely getting by. I know what it’s like to feel overwhelmed by the weight of financial stress. But I also know what it’s like to embrace new financial habits and put in the work, even when it felt difficult.

The habits I’m sharing with you today became my core financial practices. I came back to them time and time again, especially when things felt uncertain. Slowly, these habits became second nature, and things began to shift. I put out my financial fires, savings started to add up, and I became more in tune with my spending, spending intentionally and with purpose.

This didn’t happen overnight, but with every reset, every intentional money decision, and every day I worked to refocus, I made progress. You can do this too. It doesn’t matter where you start, what matters is that you’re taking the first step toward financial peace, freedom, and abundance.

Remember, this is a journey. There will be challenges along the way, but with the right tools, mindset, and support, you will overcome them. Be patient with yourself as you build new habits and continue to evolve.

You’ve got everything it takes to succeed, and I believe in you! Keep going, and let’s make money feel blissful together.

Next Steps…

You don’t have to do this alone. If you’re ready to take your financial journey to the next level, I’ve created tools that can help you get started today, These tools are designed to keep you on track, help you refocus when needed, and empower you to take control of your financial future.

Every action you take today brings you closer to the financial peace and freedom you desire.

Ashleigh Candice https://www.moneyblissco.com
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Money Dates: The Self-Care Ritual That Changed My Financial Life