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As an entrepreneur and a creative, self care is so important. From the stresses of tackling your to-do list to handling everything in your day-to-day life, there’s a LOT on your plate. But handling our financial wellness—and practicing financial self care—is something that most of us overlook when thinking about self care. 

Having a healthy, positive relationship with money doesn’t just make life easier. It also means that you can achieve your goals, work towards what you want, and understand exactly what’s happening with your finances. 

And financial self care is the key to that! But many of us just don’t know what it is or how to add it into our routines. 

What Is Financial Self Care, and Why Is It So Important For Creatives? | Heal My Muse

What is financial self care? 

Financial self care means practicing habits that focus on saving money, educating yourself about your finances, and setting yourself up for success with your financial goals. 

All of these are ways that you can practice financial self care (but we’ll get into even more specific later!): 

  • Creating a budget
  • Adding money to your savings each month
  • Managing your debt with a clear plan

If you practice regular self care to reduce stress, you can practice financial self care! Basically, it’s taking time to prioritize things that will benefit your well-being. Although many of us tend to overlook our financial wellness, it’s a really important thing to prioritize. 

And actually, adding financial self care to your daily routine isn’t too hard to do…and can make you happier and less stressed about your finances! 

Why is it important to practice financial self care? 

When we neglect our physical or mental health, things go awry. We’re stressed out, our immune systems become weak, we get sick and struggle to sleep well, we’re moody, and we don’t thrive in our relationships. 

The less time you spend caring for yourself, the more small issues tend to snowball. Little stressors can quickly become big problems and even full burnout. 

And when it comes to your finances, the same ideas apply.  

When we overspend, ignore our money problems or debt, and avoid dealing with our finances, we not only experience huge problems, but start feeling stress, anxiety, guilt, and shame. 

If you can start focusing on your financial health and wellness, things shift in a much more positive direction! You’ll start to develop a positive, healthy money mindset, which will definitely put you in a good mood and alleviate stress. 

Practicing financial self care gives you an opportunity to take control of your situation and feel fulfilled (and less stressed) about your money. 

6 financial self care tips to help boost your money mindset

Now that you know why financial self care is so important, let’s talk about how to put it into practice. These six tips will help you consistently focus on your financial wellbeing to improve your relationship with money and experience less stress. 

Set really clear, inspiring financial goals

When we set our goals, they should be practical…but they should also be something that you’re passionate about and inspired by. If you feel strongly about something, you’ll be willing (and excited) to stay committed and motivated to achieve that goal. 

The first step you should take in your financial self care journey is to set your goals. Spend some time quietly reflecting on your top long-term and short-term goals. Try to describe them vividly, and figure out what steps you’ll need to take in order to achieve those goals. 

Be as specific as possible when setting your goals. You should think about things like deadlines, milestones, amounts, and more to make sure your goals are realistic. 

Once you’ve spent the time choosing your goals, make sure they’re visually displayed somewhere as a reminder! Put sticky notes on your mirror or create a wallpaper for your phone or laptop with your goals. This helps you stay motivated and focused on achieving your financial goals. 

Build an emergency fund

A huge part of financial self care is preparing yourself for unexpected challenges. An emergency fund acts as a cushion when unfortunate events arise financially. 

There are a few ways to set up an emergency fund. You can set up automatic contributions to save money without manually making decisions or moving money around each month. When you regularly add money to your emergency fund, you’ll feel at ease knowing that you’ll be okay no matter what happens. 

Or, schedule a time each week or month to decide how much money you can add to your emergency fund. You’ll start saving money…and remember—even small contributions make a big difference in the event that something happens. 

Related: What is financial independence (and why should you care)?

Make sure you know what’s happening with your finances

Another way to practice financial self care is to have a clear overview of exactly what’s happening with your finances. You need to regularly check in on your spending habits. 

You can track your expenses and income with a spreadsheet, or use more powerful apps and programs. Either way, you definitely need to have a handle on what money is coming in and going out! 

Add space to your budget for things that bring you joy

Learning how to budget helps you practice good financial health. But to take things to the next level and truly experience financial self care, you need to account for the things that bring you joy. 

Part of the reason that we develop strained relationships with our finances is that we don’t prioritize things that make us happy. We get so caught up in saving, paying off debt, and taking care of necessary expenses that we ignore the “joy factor.”  And while all of those things are super important, so is your happiness! 

Make sure that as part of your financial self care routine each week, you set aside a small amount of money for things you love. Whether that’s ice cream, a trip to the movie theater, or a new outfit, you deserve to have things that make you happy without blowing your overall budget. 

Reflect on your current relationship with your money

Financial wellbeing is about so much more than just paying bills and avoiding debt. As part of your financial self care, you need to reflect on, nurture, and improve your relationship with money. 

So many people experience anxiety, overwhelm, stress, and even shame when it comes to money. Your thought patterns surrounding money shape your beliefs, habits, and behavior. That’s why you should take time to reflect and journal about your money mindset as part of your financial self care routine. 

Educate yourself as part of your financial self care

Our final financial self care tip is to educate yourself! You’ll feel empowered to make better decisions and control your finances with ease when you know more about money. 

Money doesn’t have to be stressful. Listening to podcasts or reading books helps you handle your finances with less stress. Even reading blog posts like this one is a great way to start educating yourself on all things finances!


Taking the time to practice financial self care lets you eliminate some of the stress that often accompanies dealing with money. Especially as a creative individual, handling your finances might not come naturally. These tips will help you improve your relationship with your money and work towards more joy when it comes to your financial health!

To continue living a life of abundance, working on your mindset, and growing as a creative entrepreneur, make sure you sign up for our newsletter! 

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