Pero I can do it too

Money Management For The Anxious Girly


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As an anxious girly, finding a budgeting method that reduces stress and provides financial stability is essential. There is no way you can get it wrong. Test one strategy; if it does not work for you, you can always change it. Know that what works for one person will not always work for you; this money journey is very personal.


There isn’t anything wrong with you.


The money journey is emotional, and it is rarely mentioned. Decide that you will be determined to find what works for you. This mentality will get you further than playing the comparison game.


This blog post will help you choose what works for you and easily manage your money:


Understand your financial situation


First step: Understand your financial situation. List all your income sources and expenses. Understanding your financial situation is the first step toward creating a budget that works for you. This process might seem overwhelming but know that you are on your way to trying new habits, and your situation will improve.


Do not fix your finances during this step. The most important thing is to focus on your income sources and expenses and then do an activity you enjoy. Go for a walk, bowling, spa day, etc. Mix fun activities with the tasks you are dreading.


Set realistic goals


It’s time to set realistic goals and choose dates to achieve them. Choose reasonable dates to avoid adding extra stress. This will help you stay motivated and focused and create a plan that works for you.


Choose a budgeting method that suits you


There are various budgeting methods to choose from. Choose one that aligns with your lifestyle and personality. Here are three different methods to choose from:


  • Zero-based budgeting: Allocate every dollar to a specific category, ensuring no money is left unassigned. Think of it as every dollar you earn needs a job. You will never wonder where your money went.
  • 50/30/20 rule: Divide your income into needs (50%), wants (30%), and savings/debt repayment (20%). If you are determined, swap the savings/debt repayment to (30%), and wants (20%).
  • Envelope system: Use physical envelopes or digital equivalents to allocate cash for different spending categories. For example, if you have a fun money budget of $200, you will physically see that once you finish that $200, you will have to wait until the next time you get paid. You will remove the need to use your credit card and spend more than you can afford. You can build self-trust with the envelope system and get into the habit of paying only the amount you budgeted for.


Create a buffer for unexpected expenses

Life is unpredictable, and unexpected expenses can trigger anxiety. Anxiety can be even more present when you have money trauma. If you experienced your parents constantly worrying about money, moved homes often, or anything that triggered a past money memory, then this step is critical.


Your number one priority is savings.


Building a savings account provides a financial cushion, giving you peace of mind. Know that your circumstances from your parents are different, and their money story is not your reality. Aim to save at least three to six months of living expenses to cover emergencies. Then, at a slower pace, you can build your savings from six months to a year.


Practice mindful spending


Mindful spending involves intentionally making purchases and focusing on what truly matters. Before making a purchase, ask yourself if it’s a need or a want, and consider its impact on your overall budget. This practice can help you avoid impulse buys and reduce financial stress.


Keep in hand a list of activities that bring you joy. Usually, impulse spending comes from stress, sadness, anxiety, etc. Impulse spending is a temporary way to mask the actual emotion you are experiencing.


Support and accountability


Feel free to seek support if you find budgeting overwhelming. Talk to a trusted friend, family member, or money coach.


You do not have to do this journey alone. Find an accountability partner on a similar journey, and you can motivate each other. It is much easier when you have a friend.


Celebrate small wins


Recognize and celebrate your progress, no matter how small. Achieving financial milestones, such as saving your first $1,000 or paying off a credit card, can boost your confidence and motivate you to keep going. This journey is challenging; otherwise, everyone will be doing it.


Celebrate yourself!


Budgeting as an anxious girly does not have to be stressful. By following these tips, you will find that managing your money gets easier with practice. You will increase your confidence with money and feel empowered to pursue goals you did not know were possible. It will help you take care of your future!


Remember, it’s all about taking small, consistent steps toward your financial goals.


When we work together:

  • I help you create a budget that works for you, and that is not restrictive
  • I help you understand why managing your money is difficult and unpack your money wounds
  • I help you experience less stress and enjoy your life now while you meet your financial goals


If this resonates with you, I invite you to work with me! I want to help you understand the emotions around money and how you can use money as a tool to build a life you have never seen your family experience. Book a sales call.


I cannot wait to be part of your journey!

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Orlenda Cortez

Welcome to my corner on the internet! I’m obsessed with using money as a tool because it led me to pay off $30K in consumer debt in a year and a half, helped me save $20K in nine months to have my dream wedding in Costa Rica and is helping me build the life I never saw my family experience. Now I want to help others do the same!

Orlenda Cortez
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