Spiritual Money Practices for Women: 3 Rituals to Improve Your Finances

Money education often comes with major 'finance bro' energy—bootstraps, grind culture, and rice-and-beans until your debt is gone.

At Money Beyond Math, we do things differently. Your intuition, your feminine energy, your desire for ease? All welcome here. We're not just managing money, or numbers on a spreadsheet. We're healing, growing, and manifesting abundance in ways that feel aligned.

Whether you’re an expert at budgeting but looking for more ease, or seasoned in manifestation looking for personal finance habits or new money practices, you’re in the right spot.

These 3 spiritual money practices offer a gentle, empowering way to start your financial self care journey—no hustle required.

1. Find Financial Expanders

If you’ve ever thought, “I guess this is just how it’ll always be,” you’re not alone. Without examples of what’s possible, it’s easy to assume there aren’t any other options. Enter: financial expanders.

A financial expander is someone who makes you say, “Wait—if they can do it, maybe I can too.” They show you what’s possible in a way that feels personal and inspiring. And no, they don’t need to be in your inner circle to be effective.

Here’s where you might find your financial expanders:

• Social media: Follow women who openly share their financial wins and growth, like @AlisonTalksMoney and @AlexOnABudget.

• Podcasts: Look for personal finance podcasts with guest stories (like Financial Feminist or So Money).

• TV or books: Yes, even fictional characters can be expanders. If it helps you envision new financial realities, it counts.

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2. Unblock Limiting Financial Beliefs

Limiting beliefs are those sneaky little thoughts that say, “I’m bad with money” or “I’ll never get out of debt.” Sound familiar?

They usually come from past experiences, family narratives, or cultural messages. But the truth is: you’re allowed to rewrite the story.

Here are a few examples of limiting financial beliefs, and how they play out:

• “I’ll always overspend” → You avoid making a budget or tracking your money.

• “I’m not good enough for a high-paying job” → You don’t apply or invest in your career growth.

• “I’ll never be debt-free” → You ignore your statements or avoid building a plan.

Here’s a money mindset reframe:

Ask yourself, What would I do differently if I believed the opposite? Start there. That shift is where healing your relationship with money begins.

→ Want to explore this deeper? Book a discovery call to work with a Money Mindset Coach who gets it.

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3. Ease Anxiety with Simple Tracking

When your money feels mysterious, your anxiety spikes. But facts fight fears.

You don’t need to track every penny or build a complex spreadsheet. You just need clarity, and that comes from simple habits.

Try one of these gentle, effective money tracking rituals:

→ The Secondary Spend Account

Use one debit or credit card for variable spending (everything outside of bills). As long as the balance is within your limit, you’re on track—no need to stress. This method gives you a clean snapshot of your week-to-week habits without overwhelm.

→ The Wallet Post-It

Old-school and powerful. Stick a post-it in your wallet. Every time you spend, jot it down. Add it up at the end of the week and compare it to your ideal spending limit. No shame, just clarity.

These money habits might seem small, but they’re effective and easy to stick to! Pick a budgeting method that works for you.

Final Thoughts: Personal Finance Can Be Sacred, Too

Financial self care isn’t just about numbers—it’s about building a relationship with money that honors your values, intuition, and vision.

You don’t have to choose between spreadsheets and spirituality. You can blend mindset work with basic financial planning in a way that feels empowering.

That’s what I help women like you do every day—as a personal finance coach for women who want peace, not pressure.

If you’re ready to make space for clarity, abundance, and aligned action, book a free discovery call. Let’s create a money journey that actually feels good.