Are you spiritual, but also want the facts? Then this is the money guide for you, the one I always wanted. A guide to adulting that spells out very clearly the basics of how to get your finances together, but also guides you to clearing your limiting beliefs, adopting a positive money mindset, and teaches you how to become a money magnet using astrology, human design, and becoming an energetic match.
Are you someone who likes to focus on energy, but also on reality? Then this is your perfect guide to all things money. In this blog, I start with money mindset healing, how to use astrology, human design, and energy to attract abundance, and how to have a good money mindset with better money habits. Then, I move on to the basics of financial literacy. I teach you what I learned from financial literacy books and podcasts, specifically Rich Dad, Poor Dad and Financial Feminist, on how to boost your credit score and learn the basics to saving and investing.
I try my best to encompass all that you need to know as you start getting your finances together. A lot of people like to just skip to the external world and fix their habits without looking within first. We don’t do that here because we understand that our external reality is just a reflection of what’s going on within us. I would love it if you joined me on my journey to wealth through healing, using human design and astrology (extra tip: look to what sign is in your 2nd house to make more money), and bridging my knowledge gap. I hope you enjoy!
HEALING
Reflection
- First, I want you to reflect on your own relationship with money. What are your spending habits? How do you feel when you spend, receive, make, or think about money? What are your beliefs about money? Do you think money is evil or believe money is hard to get? What is your current money mindset?
- Then, I want you to reflect on your childhood. How are your parents with money? What did they teach you or instill in you about money? Were you aware of financial difficulties growing up? Was finances talked about or taboo? Did finances cause tension and perceive as a scarce resource? What emotions come up when you think or journal about these questions?
- Now, moving forward, I want you to become conscious of how you feel about money. Do you neglect your finances or constantly feel worried? How do you feel when you spend and receive money? What fears, triggers, and feelings come up for you when dealing with money?
Questions
- If you have money blocks, are you also someone who also has blocks around receiving? Do you allow yourself to be taken care of? Do you feel worthy of being taken care of? Is there a link between your money blocks and also not letting others take care of you? Maybe you neglect yourself and only feel guilty when others take care of you.
- How are your money habits a reflection of your childhood and your parents’ habits? I grew up worried about money a lot, and now I carry that same worry around with me. I was told we didn’t have enough, and now I constantly worry that I will never have enough for my basic needs. I either overspend to fill a void or worry as I buy a necessity of mine. What are your habits?
- How much money do you want to make a month? And what do you think is standing in the way of you making that amount of money? This works well when you write this down and create columns. Lastly, do you fully believe what you said in column 2? Why or why not? How did this exercise make you feel?
USING SPIRITUALITY FOR ABUNDANCE
Using Astrology
- Venus is the planet of love, creativity, beauty, romance, art, luxury, and abundance. So, of course, it can tell you about your relationship with money. It’s not just about love, it’s about how you attract things to you. Try embodying the qualities of your Venus sign and living by that sign’s values, and see what happens. Check out: https://www.thewisemag.com/astrology/venus-in-signs-financial-astrology/ and https://www.astrolada.com/articles/career-astrology/what-you-can-make-money-from-astrology-indications.html to give you some hints.
- Jupiter is the planet of expansion, growth, prosperity, wisdom, luck, good fortune, and optimism. This will not just help you attract money, it will have you attract abundance and prosperity in every area of life. Check out: https://www.vice.com/en/article/wjwyd5/what-does-jupiter-in-the-signs-mean-in-my-birth-chart or https://www.zodiacsign.com/article/jupiter-the-planet-of-sbundance/ for what your Jupiter sign can tell you about how to attract abundance all around.
- Your Part of Fortune placement is basically where in life you are lucky. Look at the sign to see the energy and the house to see where it will show up. When you look at the sign, you can also look at what planet rules that sign, and check out where that planet is in your chart to get a little more information. My POF is in Scorpio, Mars rules Scorpio, and so I would go check out my Mars placement. Check out https://www.ouiwegirl.com/astrology/partoffortune#:~:text=The to see what your Part of Fortune placement means for you.
Look to Human Design
- On your body graph, you will have two lines on either side of your triangle, one side is red, and one side is black. On the right side (black) are your conscious gates, and I want you to count 5 from the bottom to Jupiter. There’s a number, only focus on the whole number, and that corresponds to a number on your triangle. Look at what that gate means at https://ahumandesign.com/gates/.
- Your defined centers are where you have constant access to energy. Your undefined centers are where you, well, don’t. You pick up the energy from around you in that area and it’s where you are susceptible to conditioning. The good thing is there is a lot of potential wisdom for you, and you can teach everyone how to use that energy correctly. You want to get to know the not-self themes of each undefined center you have, and help others. https://humandesignhawaii.com/hd-basics/9-centers/
- Then, you want to look at the defined gates in your undefined centers. There are 64 gates in total. The defined gates are the numbers that are colored-in in the centers that are white. You want to get to know each of these gates because these will be the consistent themes you experience within this center. They are your receptors. https://freehumandesignchart.com/the-64-human-design-gates/
Energy Tips
- Gratitude is the best tool to rewire your mind for positivity and an abundance mindset. Not recognizing what you already have is a lack mindset. Abraham Hicks says that appreciation is an even higher frequency because gratitude can come with thinking about the past and the work you did to get it when appreciation is clear and present. That’s the best tip I can give you. Appreciate the little things and what you already have and you will attract abundance.
- Working with your root chakra is essential in attracting consistent abundance. Your root chakra is about stability, safety, and having your needs met. If it’s unbalanced you’re probably in fight or flight mode, constantly worrying, and not making good financial decisions. To balance your root chakra. grounding yourself will be very important, so walking barefoot (extra points for on grass), breathwork (focus your deep breaths below your belly button), and I am affirmations.
- Lastly, why do you want money? What you want is never the physical thing, but the feeling it gives you. You never want to rely on something outside of yourself because that causes attachment and desperation. Usually what you want is freedom or stability. Understand what that feeling is that you want, and give that to yourself. Allow yourself to feel that feeling and do things that make you feel that way then your energetic match.
NEW MONEY MINDSET AND HABITS
Your New Money Mindset
- Instead of trying to control money, protect and preserve your money, and worry about money, I want you to honor the cycle of money. You make money and spend money, that’s how it works. You can’t change that, instead, you can trust that money will flow in and flow out, with emphasis on the in. Working with the cycle and honoring it is the best thing you can do.
- Instead of seeing money with all of your limiting beliefs around it, just see it as a life tool. Money is just something you barter with. Money is neutral. Every time, you spend money, just see it as an exchange for what you wanted. When you are spending money on groceries, you are investing in your health. Try this out because all of these mindset shifts are helping you adopt an abundance mindset.
- Lastly, I want you to envision an extremely wealthy version of yourself. Imagine their luxurious life. How do they feel when they give and receive money? What are their spending habits? And what are their beliefs about money? That is the mindset I want you to adopt, embody the energy you felt when you pictured their life, and commit to this mindset.
Your New and Better Money Habits
- From now on, I want you to spend under your means. That is a great place to start when trying to turn your money habits around. All you have to do is spend less than what you make monthly. Make whatever tweaks you need to make in your spending habits or if you need to create a budget, just do whatever works for you.
- Your next tip is to spend your money intentionally. This is for people who have shopping addictions. There is a reason you are spending that money. It is coming from a feeling you want or a void you want to fill. What is it? From now on, spend money consciously. Spend your money in a way that aligns with your goals and your future. When you treat yourself, do it intentionally because you deserve it and love yourself.
- Lastly, every time you spend money I want you to say out loud or in your head “Whatever I spend, comes back to me doubled”. You can say in threefold or tenfold, but the idea is to trust that money will come back to you and to spend from a place of abundance. If you struggle with a scarcity mindset, start repeating this affirmation every time you spend money.
THE BASICS TO FINANCIAL LITERACY
Credit Cards and Credit Score
- One of the best things you can do for your credit score is to pay all of your bills on time and in full every time. If it gives you the option to pay only a portion of your bills back, if you can, always pay all of it back. To make sure you can do this every time, don’t spend money on your credit card that you don’t have.
- Your credit line is the amount of money on your credit card, the limit that your bank gives you. The only way to speed up the process of increasing your credit score is to spend under 30% of your credit line. If you can, it’s even better to go under 10%. So, if your credit line is 1,000 dollars, the best thing that you can do is to spend less than 100 dollars at a time.
- When you spend under 30% of your credit line, your bank will increase the credit line they give you. In financial feminist, she says that you should ask your bank for a credit line increase about every 6 months. You want to do this, so you can keep not using it, and always staying under 30%. So, get a credit card as soon as possible.
Your Savings
- In financial feminist, she says that the first thing you want to do is to create an emergency fund. An emergency fund is 3 months of your bare minimum living expenses. So, tally up all of the monthly expenses you absolutely need and multiply that number by 3. Of course, you then want to put this in a high-yield savings account.
- Next, time is more important than the amount of money that you put in your account when it comes to retirement. You put this in a Roth IRA or 401k and remember that that is only the first step. You actually want to invest when it comes to your retirement fund, and I’ll explain the basics of investing in a second.
- Lastly, you want to start saving for the big things. This can be a car, saving for a house, if you want kids or to get married, saving for that, starting a business, retiring early, or going on vacation. Open another high-yield savings account and start saving. You can have as many as you want for whatever you want.
Investing Basics
- There are two steps to investing, putting the money into an account and then choosing what to invest in. You again want to start as soon as possible because time is more important than money because of compound interest. Compound interest is basically where your interest earns interest. Check out Financial Feminist’s 9th episode, Beginner’s Guide to Investing, which I’m summarizing for you here.
- Then, there are two main things that you can invest in. There are stocks and bonds. Stocks are tiny slivers of companies (it’s more lucrative but more risky), and bonds are the debt of a company or government that you’re loaning (it’s less lucrative but more stable). There are also mutual funds, index funds, and EFTs, which are just groups of individual stocks. This leads me to tell you that it’s very important to not put all of your eggs in one basket and spread out your investing, which is why mutual funds are a good idea.
- Lastly, there are two ways you can go about investing. You can do it yourself if you feel confident in managing and choosing your investments yourself or you can get a financial planner or use an app. Doing it yourself saves you money, but you should only do that if you feel confident you can do it. If you don’t, she recommends Vanguard, Fidelity, Charles Swab, TD Ameritrade, then Alabast, M1 Finance!, Betterment, Well Front, Well Simple, or Acorns.
EDUCATION
Rich Dad, Poor Dad
- One of the main lessons in this book is to understand the difference between an asset and a liability. An asset puts money in your pocket and a liability takes money out. He says assets are stocks, bonds, real estate, and intellectual properties. Liabilities are mortgages, taxes, utilities, insurance, etc. Focus on only buying income-generating assets.
- Another thing he says a lot is to get out of the rat race. Which is when you have a job, get a raise, so you just keep increasing your spending. You’re not getting any richer, your lifestyle is just more expensive. Most lower and middle-class people are stuck in this cycle.
- The third thing he says regularly is to have your money work for you instead of you working for your money. You do this by buying assets and investing. Create side hustles, passive income, and set financial goals.
Financial Feminist
- From listening to this podcast, which I totally recommend, I learned that there is an investing gap, where women don’t invest or invest later in life because of fear. So, women on average make less money, live longer, and invest never or later in life. That’s what her podcast is all about, teaching women and beginners about financial literacy.
- I also learned that it is a self-care ritual to take care of your finances. Something she teaches is to have a money date once a month, where look at your credit card statements and account balances, set goals, and tweak your habits to reach those goals. If you want to learn more, this is her 11th episode called Practicing Financial Self-Care.
- She also frequently mentions that you should open a high-yield savings account because if your money is just sitting there in a savings account, then it might as well be working for you. A high-yield savings account is just a type of savings account that gives you a better interest rate when you deposit money compared to an average one, so you make more money.
I hope you enjoyed this blog and like me are now deciding to get their finances together and create better money habits after neglecting it their whole life. All you need to focus on is healing your money mindset, changing your habits for better money habits, and learning more whether it’s through financial literacy books, podcasts, youtube videos, etc. I know it can feel overwhelming, but there is a lot of help out there, you just have to start somewhere. You can start with a money date to get a good idea of where you are at or with healing your money mindset, so you can adopt an abundance mindset. It’s up to you.
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