• Janet Cruz

3 Ways To Cultivate Financial Self-Love.

Updated: Mar 15

Most of us are familiar with many of the self-care practices advised by wellness experts such as meditation, positive affirmations, and nourishing our bodies with superfoods. But there is a self-care element essential to living our best lives and that’s the practice of getting and feeling more in control of our money.

Research has found that money is the biggest and most consistent source of stress in our lives. Anxiety over money impacts our mental and physical health and creates deep divides in our relationships. So many of us rush through life, working jobs we don’t always enjoy, buying things we don’t always need to impress people we don’t always like, that we forget to slow our roll long enough to consider what it is that we value and what role our money is supposed to play in our lives. Is it any wonder that we (and our pocketbooks) feel the burn out? Thankfully, reminding ourselves that it’s okay to slow down and give our mind, body, spirit and finances the attention they need can bring about the surge of energy and inspiration necessary to continue crafting a life we truly love.

When it comes to loving and caring for yourself, consider committing to cultivating a healthy and proactive relationship with money. Here are 3 ways you can start showing yourself some financial self-love:

01. // Pay the "MeTax". Everywhere we turn we seem to get taxed. The last thing anyone of us wants to do is get taxed even more. But one tax that you should happily always pay is the tax you pay to yourself for all your hard work. Also known as “paying yourself first”, saving some of the money you earn from every paycheck is the ultimate act of financial self-love. As I always say:

“It’s the payments you make to yourself for your hard work that will keep you from working hard for the rest of your life.”

02. // Think of your dollars as time. When you go to spend your money, ask yourself if what you’re buying is worth the amount of time you had to work to earn that money. Let’s say you earn $20 an hour and want to make a purchase for $60- ask yourself if what you’re buying is worth the 3 hours you had to work at your job. Yikes!

03. // Invest in yourself. One of my all-time favorite quotes is from Queen Beyonce herself, “I don’t like to gamble, but if there’s one thing I’m willing to bet on, it’s myself.” No one is going to value you more than you value yourself. Make it top priority to get right with yourself and that includes also getting right with your money. You work so hard for your dinero, shouldn’t it start working hard for you too? One of my ultimate financial self-care moves was to put my money in places where it can get to work and grow for me. Doing business with companies that understand the nuances of being a woman is even more of a win.

A company that I’ve been fortunate to work with is Ellevest. They have an easy online investing tool that uses algorithms tailored to our salary, gender, and lifespan (aka our real life). With no minimum amounts required and an annual fee of .25% ($12.50/year for a $5k account) the barrier that once held us back from investing our money and thus investing in ourselves has vanished. If you’d like to open your own free account while supporting Latina Money’s Dinero Blog, click the image below and start investing in yourself, mujer!

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Stay fabulous, fierce, and financially savvy bellas.


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