You don’t have to be a finance guru to get your money right.
You just need a money mindset shift, a simple budget plan, learn how to save intentionally, and spend in alignment with the life you’re creating.
So let’s break this down babe—not in overwhelming spreadsheets or confusing investment terms—but in clear, confidence-boosting steps that you can start right now. Because your glow-up? It includes your finances too. So if you’ve been wondering where to start when it comes to your money, this beginner’s guide is for you.
Why It Matters
Your money impacts everything: freedom, peace, choices, and confidence.
Taking control of your finances isn’t about restriction—it’s about building a life that feels as good as it looks.
And guess what? Financial wellness is self-care.
Step 1: Know Your Numbers
Let’s keep it cute but real. You can’t manage what you don’t track.
- Write down your monthly income (after taxes).
- List all your monthly expenses (bills, subscriptions, groceries, etc.).
- Calculate what’s left over—this is your financial playground.
Dream Girl Tip: Use a digital planner or budgeting template to track this monthly. I recommend our FREE Financial Tracker that you can download today
Step 2: Set Up a “Dream Girl Budget”
Budgeting is just you telling your money where to go before it disappears. So let’s build a budget that fits you.
Try the 50/30/20 Rule:
- 50% → Needs (bills, groceries, rent)
- 30% → Savings/Debt payoff
- 20% → Wants (fun, fashion, beauty—yes, girl)
Dream Girl Tip: Automate your savings by setting up a recurring transfer to a savings account each payday.
Step 3: Audit Your Money and Start Spending With Intention
You don’t have to stop shopping—you just have to shop smart. Look through your last month of purchases. What did you love? What wasn’t worth it? Awareness is power. This helps you shift from autopilot spending to intentional saving. Once you have done this, adjust with love—not judgment.
- Things to ask yourself:
- Does this purchase bring me value or is it just filling a void?
- What small leaks are draining my budget?
- What habits help me save more?
- Avoid impulse buys—try a 24-hour wait rule.
- Plan your purchases in advance (especially for big events or seasonal shifts).
Affiliate Find: Check out this Amazon Budgeting Binder—chic, organized, and keeps your goals top of mind.
Step 4: Create an Emergency Fund
This is your “I got me” fund. Life happens. We don’t panic—we prepare.
Start small: aim for $500, then one month’s worth of expenses.
Even saving $10/week is a start. Build the habit before you build the amount.
Dream Girl Tip: Automate your transfers so you’re saving without thinking.
Step 5: Start Learning the Wealthy Woman Way
Upgrade your money mindset. We don’t just build a budget—we build beliefs that support wealth. Educate yourself weekly—no pressure, just progress.
- Read 1 finance blog or book a week
- Follow women in finance who speak your language
- Learn about credit scores, investing basics, and side hustles
Money Affirmations to try:
- I am worthy of financial peace and freedom.
- I am financially secure.
- Budgeting is my financial self-care.
Your money story is evolving. You get to write the next chapter.
Recommended Resource: Try Kindle Unlimited and dive into beginner-friendly finance reads.
Dream Girl Mindset Shift
You don’t need perfection. You just need a plan and consistency.
Say this out loud with me:
“I am not behind. I am right on time. I am learning, growing, and becoming.”
Money Affirmations:
- I am worthy of financial peace and freedom.
- I am financially secure.
- Budgeting is my financial self-care.
- I budget with intention and save with confidence.
- Money flows to me easily and supports the life I desire.
- Every dollar I spend and save reflects the abundant life I’m creating.
Final Words
Taking care of your money is an act of radical self-love. It’s not about the amount in your bank account—it’s about building trust with yourself.
Start today. Start small. Start soft. Your wealthy woman era begins with one decision.
HEY DREAM GIRL,
Grab your Financial Planner HERE to start organizing your income, budgeting beautifully, and setting your savings goals in motion.
Let’s build wealth the soft life way.
