When I first start working with my money coaching clients, I always set one clear expectation: the first month of budgeting and tracking isn’t about control—it’s about mindfulness.
I’m not focused on how well they can control their spending or stick to a budget right away. Instead, I’m focused on helping them become more aware and intentional about their money.
Are they paying attention to how they’re earning, spending, and saving, or is it happening on autopilot?
Before any positive change can happen, awareness is the first step. You can’t fix a problem you don’t know exists.
Mindless money habits—whether it’s impulse spending, ignoring financial goals, or simply not paying attention—can quietly sabotage your progress. But when you start to pay attention, you empower yourself to make better choices.
In this episode, I share seven powerful ways to cultivate mindfulness with your money. It all starts with understanding the difference between control and awareness.
You’ll learn how to track your spending without guilt or judgment, turning it into a tool for clarity rather than a source of shame. I also explore how identifying your money triggers can help you gain deeper insight into the situations and emotions that lead to impulsive spending.
I’ll show you how simple habits, like taking a moment to pause before making a purchase, can transform your financial decisions.
These small shifts not only help you spend more intentionally but also align your spending with your values. Mindfulness isn’t just about cutting back—it’s about focusing on what truly matters to you and letting that guide your money choices.
By the end of this episode, you’ll have the tools to start building a strong foundation of financial awareness.
You’ll feel empowered to set realistic goals, make meaningful changes to your habits, and create a financial life that supports your long-term success.
Here’s a glance at this episode:
- [02:23] If your total monthly income doesn’t cover your monthly expenses and spending, you need to find additional means of income.
- [05:31] It’s not enough to just create your budget. We need to close the loop by tracking your spending to make sure you’re sticking to the budget.
- [09:08] We only have so many resources when it comes to our income. We can only dedicate so much to goals. Focusing on 1-2 goals at a time is a great starting point.
- [14:33] Some examples of values people can align their spending to include family, friendships, time freedom, and working for yourself.
- [18:24] Consume better things for your mind. Mindfulness isn’t just effective in money – it is extremely effective in our overall lives as well.
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Resources mentioned in this episode:
Let Raya create a custom budget plan for you! Get started here.
Listen to CGS Podcast Episode 151 – Money and Sustainable Living with Kara Perez
Raya Recommends: The Power of Now by Eckhart Tolle
Learn about Raya’s Financial Focus Coaching Program
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