Spring is not only a time for physical cleaning but also an excellent opportunity to declutter your mind and revitalize your clarity around money. In this blog post, we will explore the process of spring cleaning your finances and money mindset so that you can reduce anxiety, increase your awareness and clarity, examine your beliefs about money, and take control of your financial situation.

Don’t try to implement this all at once. Take it day by day as it’s broken down into actionable steps that will help you revamp your relationship with money and set yourself up for financial success.

Day One: Vision

Most people think acquiring wealth and financial stability starts with the bank account, but it actually starts with YOUR personal vision and definition of a wealthy life. Everyone’s definition is different, and the more you can align yourself with what you genuinely desire through money, the wealthier and more fulfilled you will feel despite the number in the bank account.

Take some time to imagine what your lush, wealthy life looks like. Ask yourself the following questions:

• What does your lifestyle look like?
• Where does your money come from?
• How do you spend your money?
• How do you spend your time?
• What small details in your day make you feel wealthy? Ie waking up without an alarm, the feeling of leather seats in your car, waking up to a clean + tidy home, going to the grocery store and not having to check your bank account
• Who do you need to become to achieve this vision?

Your vision should be a reflection of how you see yourself in relation to your finances and how your finances support the life you desire to live.

Action Step: Write out your vision on paper and put it somewhere you can reflect on it daily. Especially make note of those minor details you listed out in the last questions.

Day Two: Beliefs

Our beliefs are often the thing standing between our current reality and our desired reality. In other words, our beliefs are what hold us back from taking action on the things we need to do in order to achieve our goals.

Let go of any limiting beliefs and replace them with empowering ones. Challenge societal expectations and ego-driven beliefs that may be influencing your financial decisions.

Common limiting beliefs you might be facing:

• Money is hard to earn
• I have to work hard/long hours in order to earn the money I desire
• I’m not worthy of the wealth I desire
• Wealthy people are greedy
• You need to be frugal to have more money
• You’re selfish if you want to earn more money

Shifting these beliefs:

• I am surrounded by opportunities to earn more without doing more
• I am worthy of the wealth I desire
• It is safe to spend and save at the same time
• I chose to view my finances without scarcity or hesitation
• I am open to learning everything I can about wealth and money
• I build wealth so that I can support myself, my family, and make a positive impact on my community

Action step: Reflect on your beliefs about money and write down any limiting beliefs you want to let go of. Replace these beliefs with YOUR truths or new beliefs. Write or say your new beliefs out loud daily.

Day Three: Clarity

To achieve your vision, you need clarity in your numbers. Take a closer look at your revenue, income, expenses, spending, debts, and assets. Understand where your money needs to go in order to align with your vision.

• Do you know what you made last month?
• Do you know what your expenses were?
• Did you set your intentions and stay devoted to where you desired to put your money?
  • Tax Savings?
  • Retirement Fund?
  • Saving for Peace of Mind?
  • Travel Fund?

If you want to achieve something, it’s important that you have clarity and set your intentions. Otherwise, next month will be just like this one. Knowing your numbers is crucial for making decisions that move the needle toward your vision rather than away from it.

Action Step: Make a list of each section so that you can see it all on the page in front of you.

• Make a list of all your debt with due dates, minimum payments + interest rate
• Make a list of everything you own with the current value and what you originally paid
• Make a list of all your living expenses – Simple what it costs to survive, rent, car payment, insurance, cell phone, groceries, kids costs, utilities, anything that’s reoccurring
• Make a list of other expenses – Annual expenses, yearly doctors appointments, car registration, dues + subscriptions, wellness costs, etc.. things that you pay for but not in the regular
• Make a list of all your sources of income + the taxes you pay

Once you do this, you should have a better picture of your next priority with your money to achieve your vision. Based on your numbers, your next money priority might be to reduce spending in a particular area, increase income, reduce debt, maximize your credit card advantages, strategize for taxes, etc.

Day Four: Conscious Spending

Create a conscious spending plan to align your spending with your values and priorities. Use yesterday’s exercise to identify what you need to prioritize and stop spending money on to live in alignment with your vision.

• How do you WANT to spend your money? What do you need to prioritize in order to live in alignment with your vision?
• What do you need to STOP spending your money on in order to live out your vision?
• What sets your soul on fire?
  • Heath + Wellness
  • Nourishment
  • Sacred Space
  • Learning + Evolution
  • Creativity + Expression
  • Yogi + Travel Experiences

Whatever your vibe is, incorporating expense categories that align with your needs, wants, and vision for your life is the best financial strategy for you. The same for your business. Create categories that align with how each expense supports YOU and what you are in service to.

Action step: Set up a conscious spending plan and allocate your resources accordingly. More information on how to do this here: Why a Budget Won’t Help You Reach Financial Freedom (& What To Do Instead)

Day Five: Flow

Money is meant to flow. Create a visual representation of your finances through a money map. This map will give you a visual of how your money flows in and out of your accounts. Simplify your accounts and assign specific purposes to each, like opening a high-yield savings account for your peace fund and a retirement account for long-term savings.

Automate where you can by setting up regular transfers to these accounts. You can also automate this by putting bills on autopay – especially things like your rent or mortgage, car payments, and credit card payments- to avoid late fees.

Action step: Create a money map and automate your savings and bill payments where applicable. Schedule regular money dates to review and adjust your financial plan.

Day Six: Refine

Continuously refine and reflect on your choices, progress, and beliefs by tracking your spending. Through this whole process, you want to be able to flow with change and continue REFINING your practice and your numbers.

By tracking your spending, you’ll not only make progress but also identify where you might be holding yourself back from living in alignment with your vision. Numbers tell a story about how you relate to your money.

• Do you hoard money and feel as if you never have enough?
• Do you overspend in certain areas even when you intend not to? If so, why is that?
• Do you worry that you won’t have enough at the end of the month yet?
• Do you desire more yet never feel worthy of spending money on yourself?

You won’t truly uncover what is keeping you stuck with money until you start giving it attention and refining your actions — and this is done through tracking your spending regularly.

Action step: Set up a way for you to track your spending. For personal expenses, you can use tools like Mint or a spreadsheet. For business, track your business spending by maintaining your bookkeeping. Schedule weekly or bi-weekly money dates with yourself to track your spending, maintain your books, and check in with your money.

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Related Content:

• Debt Detox: Energetically Paying Off Your Debt
• Why a Budget Won’t Help You Reach Financial Freedom (& What To Do Instead)
• Paying Yourself as an Entrepreneur
• Mapping Your Year Around the Seasons: Embracing the Flow of Life and Money