We've officially crossed the threshold of 2054, and it seems like we can't scroll through our Instagram, browse Pinterest, or turn on our favorite podcast without hearing about New Year's resolutions—and frankly, we get it. There is something about a new year that inspires new and higher goals. For example, on the Internet you can often find answers to the question of how to build a healthy relationship with money in 2025.
ContentHow to build a healthy relationship with money in 2025: Have a money date Set one small specific financial goal for this year How to build a healthy relationship with money in 2025: answer these questions honestly Forgive and accept yourself How to build a healthy relationship with money in 2025: improve your thinking
WomanEL likes the fact that many people use January to clarify their financial goals for the new year. But it should be done as simply as possible (and not by making an endless list of impossible tasks). We will help you with this and list some effective techniques that will help you spend less money in the new year, increase your income and not only.
How to Build a Healthy Relationship with Money in 2025: Have a Money Date
You've probably heard about the “Money Date” on social media. It helps you clarify the current state of your finances, assess your current money goals, and create a plan for your financial future. This is your time to sit down and pay attention to your finances – this way you will reduce stress and increase your financial literacy at the same time!
Money and finances can be stressful, so make your money date as pleasant and relaxing as possible. Wear comfortable clothes, put on some relaxing music, pour yourself a glass of wine or tea, and get ready for some quality face-to-face communication with your finances. Are you feeling cozy? Great. It’s time to sit down with your last month’s statements and review all your transactions with extra care.
- Subscriptions you no longer use. It’s all too easy to sign up for a “cheap” subscription or app, only to realize you haven’t used it in months. Use this feature to identify and cancel any unused subscriptions, services, or apps.
- Where I may have overspent. Compare your monthly spending to your budget and see how it stacks up. Assess where you overspent for the month and where you didn’t spend as much as you planned.
Have monthly money meetings to analyze your current finances. Source: freepik.com
Set one small, specific financial goal for this year
Once you’ve completed your year-end recap, use the information you’ve gathered to step back and look at the past fiscal year as a whole. Identify a few areas where you’d like to make financial improvements or changes. Based on these, set updated financial goals for 2025. Pick at least one to get started!
Do you want to start investing every month? Save more of each paycheck? Increase your income by a certain percentage? Prepare more carefully for retirement?
Whatever your financial goals are, it’s important to make sure they’re realistic and sustainable. Sure, saying you’ll save 90% of your income by 2025 sounds great, but it’s probably unrealistic and short-lived. Having clear, realistic financial goals that are sustainable throughout the year will be key to staying motivated and on track to achieve them.
Once you have identified your next financial goal, take the time to physically write it down and hang it in a prominent place. Not only will reviewing this goal daily help you stay motivated and keep going, but research has shown that physically writing down your goals increases your chances of achieving them by 42%!
How to Build a Healthy Relationship with Money in 2025: Answer These Questions Honestly
Self-awareness is the cornerstone of any meaningful change, especially when it comes to transforming your relationship with money. It's about digging into the depths of your psyche and confronting the truths you've been avoiding, the patterns you've been repeating, and the stories you've inherited. This journey begins with asking yourself questions that require honesty and vulnerability.
- What thoughts and feelings do I have about money? Consider whether your emotions related to money are positive or threatening with anxiety, lack, or indifference.
- How do I handle money? Critically evaluate your financial behavior. Do you constantly get into debt or hoard money for fear of losing it?
- Do I have any strong beliefs about money that may be limiting my potential? Many of us hold deeply held beliefs, such as “Money is the root of all evil” or “You have to work hard to make money.” Identify these beliefs and ask yourself if they are valid in your life.
- What do I want my relationship with money to look like? Imagine your ideal financial life. What do you need to change to make this vision a reality?
- When I was growing up, what was my parents’ relationship with money like? The behavior and attitudes toward money in our family often set the stage for our own behavior. Reflecting on this can help you understand how you feel about money now.
Answer these questions, and you’ll be surprised at how deeply you’ve uncovered the roots of your relationship with money. As you delve into these reflections, remember that you’re not alone on this journey. Many of us face financial stress, regardless of our income level.
Forgive and Accept Yourself
Money, let’s be honest, is a complicated and often emotional topic for many of us. If your financial history feels like a heavy burden, it’s time to take that burden off your shoulders and forgive yourself. Accept the mistakes you’ve made in the past. It’s important to recognize that making mistakes is a part of being human, and more importantly, it’s an important part of growing and improving.
Admit that yes, you will probably encounter more problems and make more mistakes as you manage your financial life. But here's the thing: every mistake is an opportunity to learn, grow, and do better next time. It's simple.
How to Build a Healthy Relationship with Money in 2025: Improve Your Thinking
There are many resources out there to help you change your mindset about money. Watching videos from financial mentors you admire, reading books, and listening to podcasts can all be catalysts for change.
If you want a more personalized approach, consider reaching out to a life coach or therapist who can help you understand and untangle the traumas associated with your financial behavior.
We also shared some tips on how to build a successful career as a woman in 2025. Here's what you need to do to do it.
