How to Start a Monthly Money Ritual That Actually Feels Good

Elsie loveandfinance
Jul 11
4 min read

For many women, managing money can feel overwhelming. You might put off checking your accounts, feel unsure where your money is going, or wonder how to stay consistent. That experience is common, and it doesn't mean you're doing anything wrong. It means you're ready for a new approach.

What if money management felt like a supportive practice instead of a source of stress?What if your monthly money check-in became a ritual that brought clarity, calm, and confidence?

In this post, I’ll walk you through how to build a Monthly Money Ritual. It's simple, meaningful, and designed to strengthen your relationship with money in a way that feels aligned with your values and lifestyle.

What Makes This a Ritual, Not Just a Routine?

A routine gets things done. A ritual brings intention and presence. When you approach money with ritual energy, you create a space where you can pause, reflect, and connect with yourself and with your financial goals.

This shift changes everything. You are no longer “dealing with your finances.” You are choosing to lead yourself toward financial clarity.

A money ritual helps you:

Stay grounded in your goals
Make conscious choices around spending and saving
Build trust in your own decision-making
Feel confident about your financial direction

The best part is that it doesn’t have to take more than 30 minutes a month.

Step 1: Set the Scene and Protect Your Space

This is your time. Claim it intentionally.

Choose a moment in your calendar where you can slow down and check in. It might be the last Sunday of the month or the first day of a new one. Make it consistent but flexible.

Create a calm, focused environment. You might want to:

Brew a cup of tea
Light a candle
Put on instrumental music
Use a notebook, app, or spreadsheet

By treating your money ritual as sacred time, you reinforce that your financial well-being

matters.

Step 2: Begin With a Personal Check-In

Before looking at numbers, take a few minutes to reflect.

Ask yourself:

How do I feel about my money right now?
What felt strong or successful this past month?
What areas felt stressful or unclear?

This check-in is not about judgment. It’s about awareness. When you notice how you feel, you start to understand how your emotions influence your money choices and how you can shift those patterns with clarity.

Optional: Write a few notes in your journal or planner. Over time, these reflections will show you how far you’ve come.

Step 3: Review the Numbers With Confidence

Now it’s time to engage with your finances.

Start with:

Income: What money came in? From which sources?
Expenses: What went out? What did you invest in?
Savings and debt: Did anything shift this month?

Track the numbers in whatever format works for you. A basic spreadsheet, a budgeting app, or even pen and paper all work. The goal is to be honest and informed, not perfect.

As you look through your transactions, notice:

What felt aligned with your values?
What surprised you?
Where do you want to shift next month?

This is your opportunity to understand your behavior, not to criticize it. Data becomes powerful when you approach it with curiosity.

Step 4: Reconnect With Your Goals and Intentions

Now that you’ve looked back, let’s look forward.

What are your current goals? They might include:

Saving a specific amount
Reducing expenses in one area
Building a buffer for peace of mind
Planning a trip, course, or investment in yourself

Ask:

What progress did I make this month?
What felt aligned with my long-term vision?
What small action could move me closer next month?

Keep your goals visible. You might want to write them down, create a simple tracker, or place a reminder on your phone. These small steps build momentum.