Money can bring up complicated feelings. Whether you experience anxiety when checking your bank balance or feel overwhelmed by financial decisions, you're not alone.

The good news? Building a healthier relationship with money doesn't require a degree in economics. Let's explore five practical tips that can help you feel more confident and in control of your finances.

Start Having Money Dates with Yourself

Just like any relationship, your connection with money needs regular attention. Schedule weekly "money dates" — dedicated time to review your finances in a calm, judgment-free way.

Make it enjoyable by choosing a comfortable spot and putting on some relaxing music. Make sure your laptop and phone are nearby as, during these sessions, you’ll check your account balances, review recent expenses, and update your budget.

You can use an easy tax calculator to stay on top of your tax obligations — this small step can prevent major stress later on. And keep in mind that the goal isn't to criticize yourself but to stay informed and make adjustments as needed.

Get Clear on Your Money Story

We all have a "money story" — beliefs and attitudes about finances that often stem from childhood experiences. Maybe you watched your parents struggle with debt, or perhaps money was never discussed in your home.

Understanding these influences can help you recognize patterns in your own financial behavior.

Try this: Set aside 15 minutes to journal about your earliest money memories. What did you learn about money growing up? How do those lessons affect your choices today? This awareness is the first step toward making positive changes.

Practice Mindful Spending

Mindful spending isn't about depriving yourself. It's about making intentional choices that align with your values and goals. Before making purchases, especially larger ones, try the 24-hour rule.

Ask yourself:

• Do I really need this?
• Will it add value to my life?
• Does this purchase align with my financial goals?
• Could this money serve me better elsewhere?

This simple pause can help break the cycle of impulse buying and lead to more satisfying financial decisions.

Build a Positive Money Vocabulary

The words we use matter, especially when talking about money. Instead of saying "I'm bad with money" or "I'll never get out of debt," try reframing these thoughts into more empowering statements:

Instead of:

• "I can't afford it" → "I'm choosing to spend my money elsewhere"
• "I'm terrible at saving" → "I'm learning to save more effectively"
• "Money is the root of all evil" → "Money is a tool that can help me achieve my goals"

This shift in language can gradually transform your money mindset from one of scarcity to abundance.

Celebrate Financial Wins (No Matter How Small)

Too often, we focus on our financial mistakes while overlooking our successes. Every positive money action, no matter how small, deserves recognition.

Simple actions like packing lunch instead of buying it, putting $20 into savings, resisting an impulse purchase, or paying a bill on time are all wins worth celebrating. Consider keeping a "money wins" journal to track your progress and boost your confidence.

Create Lasting Change

Your relationship with money is one of the most important relationships in your life. By approaching it with patience, mindfulness, and self-compassion, you can transform financial stress into financial empowerment.

Start with these five tips and adjust them to fit your unique situation. Remember, every financial expert started as a beginner, and the most important step is simply to begin.