Money stress doesn’t just stay in our bank accounts, it creeps into our sleep, relationships, and self-worth. When our finances feel out of control, our minds often follow. The impact of mental health is very clear. When I ask my patients about their stressors finances are usually one of the top issues. But here’s the good news: financial peace is possible. It starts with clarity, intention, and a few key tools to help you feel in control again.
IIf you’re ready to unlock financial freedom and mental clarity, these simple tools can help you reduce stress, manage money with confidence, and build a balanced, empowered life.
1. Get Clear: Start with a Budget That Works for Your Life
It’s easy to avoid looking at the numbers, especially when you’re scared of what you’ll see. But clarity is healing. A budget isn’t about punishment; it’s about empowerment. I understand that the word BUDGET may be scary but it’s your tool for control. Just like a GPS.
Budget Planner Favorites:
- Clever Fox Budget Planner – A beautifully structured monthly finance journal that helps you track expenses, savings, debt, and financial goals. See it on Amazon →
- YNAB (You Need a Budget) – A popular budgeting app that encourages giving every dollar a job. Great for those who want control without spreadsheets. Try it here →
2. Set Mini Goals to Rebuild Confidence
When everything feels overwhelming, small wins can shift everything. Start with small goals such as stop using one credit card, build a $500 emergency fund, or bring lunch from home 3x a week. To create an emergency fund, you will need to cut some expenses out or direct money to your savings account even before it hits your bank account. If you do not see the money, you can’t spend it.
Tools to Help:
- Sinking Funds Envelopes – Visual savings systems for categories like car repairs, gifts, or vacations. Check these out →
3. Create a “Money Routine” That Supports Your Mental Health
Just like we brush our teeth daily, financial hygiene works best with routines. Pick one day a week (Sunday is great!) to review your accounts, plan for upcoming expenses, and reset intentions.
Try pairing it with:
- Goal-Setting Journals – Use a journal like The 12-Week Year or Powersheets to stay focused and celebrate progress. View options →
- A guided money meditation or journaling moment with soft background music (YouTube has great free ones).
4. Learn (Without Shame) and Build a New Money Mindset
So many of us were never taught how to handle money or worse, we were taught to feel ashamed about it. Let’s unlearn that. Start with compassionate, beginner-friendly resources.
Books That Teach Without Judgment:
- Miss Independent: A Simple 12-Step Plan to Start Investing and Grow Your Own Wealth Check it out →
- The Psychology of Money by Morgan Housel – Understanding how emotions impact money decisions. Check it out →
5. Automate, Simplify, and Protect Your Energy
Decision fatigue is real. The more you can automate your savings, bills, or debt payments, the more mental space you free up for living.
Favorite Apps:
- Rocket Money – Cancel subscriptions, track spending, and even negotiate lower bills.
- Chime – An online banking option with automatic savings tools and early direct deposit.
6. Give Yourself Grace (and Keep Going)
Getting your finances on track takes time, but every step you take is a win. You’re not behind—you’re just getting started with new tools and new energy.
You don’t have to do it all alone. You just have to start.
