5 Simple Steps to Build a Weekly Money Ritual for Financial Self-Care

Money. It’s one of those things that can either feel like a friend or an enemy, depending on how well you manage it. For most of us, finances are something we have to deal with, but not necessarily something we enjoy dealing with. However, it doesn’t have to be that way. Imagine if you could turn managing your money into something empowering, rewarding, and even fun. Well, that’s exactly what a weekly money ritual can do.

Just like self-care for your body and mind, taking care of your finances is a crucial part of your overall well-being. When you set aside intentional time each week to check in on your finances, you’re not only staying on top of your goals, but you’re also practicing financial self-care—just like you’d practice yoga or meditation for mental health.

In this post, I’ll walk you through five easy steps to create your own weekly money ritual that will help you feel more confident, in control, and excited about your financial journey. No matter your current financial situation, this ritual can help you build the habits needed to level up and take control of your money. And the best part? You don’t have to have advanced financial literacy to get started!

1. Identify Your 'Why': Why Are You Spending Time on Your Finances?

Before jumping into the nitty-gritty of setting up your weekly money ritual, it’s essential to reflect on why you’re doing this in the first place. When things get tough or overwhelming, your "why" will help keep you on track.

Ask yourself these questions:

• Why do I want to take control of my money?

• What would improving my financial situation do for me personally?

• How can getting on top of my finances improve my family’s future?

Take a moment to jot down your answers. Whether it's to feel more secure, reduce stress, spend more time with your loved ones, or achieve your big financial goals, understanding your motivation will help you stay committed.

2. Make It Enjoyable: How Can You Make Your Weekly Money Ritual Fun?

One of the main reasons people put off their finances is because they see it as a chore. But what if you could make your money check-ins enjoyable? That’s where the fun comes in! By adding personal touches to your ritual, you’ll start looking forward to this time.

Here are some ideas to make your weekly ritual something you actually enjoy:

• Play Music: Create a playlist that energizes or calms you while you work through your finances. Music can set the mood and help you stay focused.

• Light Candles or Incense: Aromatherapy can help you feel relaxed, focused, and in a positive mindset. Pick a calming scent to make the space inviting.

• Create a Ritual with Coffee or Tea: Brew your favorite cup of tea or coffee as part of the ritual to make it feel cozy and comforting.

• Incorporate Mindfulness or Journaling: Before diving into the financial details, take a few moments to reflect and journal about your goals or affirmations. You can also do deep breathing or even pull a tarot card to set your intentions.

Remember, your weekly money ritual should feel rewarding. By turning it into something that sparks joy or adds positivity, you’ll stay more motivated to continue.

3. Set a Time, Place, and Routine for Your Weekly Money Check-In

The next step in building your weekly money ritual is deciding when and where you’ll do it. Consistency is key here—if you choose a specific time and place, it will become easier to make this ritual a regular habit.

• Time: Pick one hour every week that you can commit to for your money check-in. Is there a time that consistently works for you? Maybe Sunday mornings while your family is still asleep, or every Friday afternoon when you’re wrapping up the work week. Mark it in your calendar as a non-negotiable time for financial self-care.

• Place: Whether it’s your cozy kitchen table, a corner of your living room, or even a café, make sure it’s a space where you feel comfortable and free of distractions.

• Routine: The more specific your routine, the easier it will be to stick to. Will you begin with reviewing your bank statements, followed by tracking your spending, or maybe updating your budgeting app? Decide what will be included in your ritual, so you have a clear and easy-to-follow process.

4. Find an Accountability Buddy: Who Can You Partner Up With?

Let’s face it: sticking to any new habit is easier when you have support. Having an accountability buddy who’s in the same financial boat (or at least on the same journey) can make all the difference in staying motivated and consistent.

This person doesn’t need to be someone who’s a financial expert—just someone who shares your goal of improving financial health. You can cheer each other on, share resources, or even compare notes on what’s working and what’s not. Having someone to check in with makes the process more enjoyable and holds you both accountable to your goals.

If you don’t have someone in mind, consider joining a community like ours [insert your own community or Facebook group link here], where you can find like-minded women on a similar journey to financial empowerment.

5. Take Action: Put Your Money Ritual into Practice!

Now, it’s time to put it all together. With your "why" in mind, your enjoyable ritual elements set up, and a solid time and place chosen, you’re ready to begin your weekly money ritual.

Here’s a simple structure you can follow for your ritual:

• Start with Your "Why": Begin your ritual by reminding yourself of the reasons you’re prioritizing your finances. Read through the list of reasons you created in Step 1 to refocus on your goals.

• Review Your Finances: Check in with your current financial situation. Review your bank account, credit card statements, bills, and any savings or investments. This is the time to catch up on any financial to-dos, like paying bills or making sure everything is on track.

• Set Financial Goals for the Week: Look ahead to the upcoming week. Do you need to adjust your budget? Maybe you want to set a goal to save a certain amount or pay off a specific bill. Make your goals clear and actionable.

• Reflect & Celebrate: After completing your ritual, take a moment to reflect on what went well. Celebrate your wins, whether it’s sticking to your budget or putting a little extra into your savings.

Bonus Tip: Reward Yourself

After finishing your ritual, treat yourself! It could be something as simple as taking a bubble bath, enjoying your favorite dessert, or going for a walk to clear your mind. This reward reinforces the habit and makes it more fun.

Why Your Weekly Money Ritual Matters

In the long run, these weekly money check-ins will help you feel more in control of your financial destiny. It’s not about obsessing over every penny—it’s about creating a routine that keeps you on track and aligned with your goals. When you commit to a weekly money ritual, you're not only building better financial habits but also empowering yourself to make informed decisions about your money.

Financial self-care is not about being perfect with your finances—it’s about creating a supportive routine that works for you. By taking consistent, small actions each week, you’ll gain the confidence you need to handle whatever life throws at you. You’ve got this, mama!

If you’re ready to take control of your finances and make money management a habit, I’ve got some helpful resources to guide you along the way. Grab my free ebook Mama’s Budgeting Guide for more practical tips to help you stay on track.

So, what are you waiting for? Get started today! ✨

Here are all of my favorite Smart Money Moves resources on Amazon! Smart Money Moves

This post may contain affiliate links, which means I may earn a small commission if you make a purchase through these links—at no extra cost to you. I only recommend products I truly love and believe can add value to your life. Thank you for supporting my blog!