Is Money Stressing You Out?

Is Money Stressing You Out - Melissa Meagher Ruffle Mentoring

“Whatever we plant in our subconscious mind and nourish with repetition and emotion will one day become reality ” – Earl Nightingale

Is money stressing you out?

You know that feeling. Lying awake at night in the dark, your mind is racing, your heart is beating fast, those money worries filling your thoughts? You wake up more tired than when you went to bed.

Can you relate?

It can be exhausting and it’s such a waste of time. But we’ve all been there, and you might be there right now!!

Ever heard that saying ‘Same equals Same’. You keep doing the same thing getting the same result. Yet at some level we expect a different result! Go figure!

So for me it was changing what I was doing.

How did I do that?

I’d love to share that with you.

Are You Neglecting Your Money

But first. Have you ever thought about your finances being like a garden. If you don’t water and nurture your garden it will be full of weeds and never flourish.

Same with your money!

How can your money grow if you aren’t giving it the love and care it needs to flourish?

We find it so easy to nourish our mind, body and spirit? We make it a priority and there are so many great resources and information available to help us do this.

But what about your finances?

Spread the Love

Don’t worry, I’ve learnt this the hard way!

I struggled financially and knew I had to change my relationship with money and treat it with the care and respect it deserves if I wanted to see positive change.

And I did!

Are you nurturing your money with TLC?

We all know that money is the biggest consistent source of stress and can have a major impact on our mental and physical health and cause tension in our relationships.

Do you relate?

Like it or not, money plays a pivotal role in all our lives.

Are you ready to incorporate money wellness into your daily self-care rituals and focus your energy on working with it, not fighting and struggling against it?

I share below some simple tips to help you begin to create a whole new relationship with your money. I hope you find it helpful and I look forward to hearing about what you have implemented as your financial self-care strategies, and your success stories.

1. Understanding your Money Pot

It is essential that you gain clarity and awareness of where you are at financially – what you own and what you owe. And what are your fixed costs, and lifestyle spending.

This can be quite confronting at first. However, knowing where you are is extremely empowering.

Money Loves Clarity….and Clarity is Power!!

This provides you with a starting point to be able to move forward. If you want to change your Money Pot (allocating money towards reducing debt/building wealth/holidays/school fees OR ALL THE ABOVE!) you need to know what it looks like first.

Practical Tip

2. What does Wealth mean to you?

Who’s heard these sayings when they were growing up “Money doesn’t grow on trees” or “Money is the root of all evil”??

Don’t underestimate how this type of programming stays with us into our adult life. Until you identify how the influence of your upbringing may have affected you, you can’t change it.

Our relationship with money is very complex and is not just about the money. It impacts our motivation and behaviour in many aspects of our life and who we are. It is important to identify if you have any limiting beliefs around money (we all have them by the way!) and question whether they are serving us or are even true.


Challenge – Replace – Repeat!!

Practical Tip

  • Have a think about how money was spoken about (or not!) growing up, and the connection that has to your current relationship with money. You may or may not be surprised!

3. Structure is King

  • Do you know if your current situation helps or hinders you to manage your money?

Are you feeling completely calm and in control of the money flow? If your answer is No, one of the best things you can do is to review your current financial structure to see if it is working as efficiently as possible. This provides you with a very clear picture of what is available and prevents you from being in a constant state of angst and stress around your finances.

It also enables you to develop a healthy positive relationship with your money.

Which would you prefer – Budgeting versus Guilt Free Spending??

Practical Tip

  • Work out your Fixed Costs for the entire year and divide that figure by twelve. Then transfer this amount every month into a ‘Bills Account’.


Not sure what fixed costs are? I explain them as anything you pay on a regular ongoing basis and is usually a similar amount. They can be paid weekly, fortnightly, monthly, quarterly, or annually (eg rent/mortgage, utilities, insurances, phone/internet, memberships/subscriptions, car registration) etc.

4. Set Daily Habits

Many of us practice meditation, journaling and daily gratitude. But do we include anything around developing a healthy relationship with our money?

We are all wired to focus on the negative (so we didn’t get eaten by sabre tooth tigers in caveman times!) so you need to be continually mindful around shifting your thinking to one of positivity and joy.  What is one self-care ritual you can include on a daily basis to help promote your financial wellbeing?  Perhaps set an intention every morning to give yourself the space to observe how you relate to money and what triggers you, and how you could bring more balance into your financial life.  Where your focus goes, your energy flows so invite wealth and abundance into your life!

Practical Tip

  • Every morning write down 10 “I am….” – for example “great with money”!

5. Celebrate your Wins

Developing a positive relationship with your money is an ever evolving and continuous journey. A vital part of financial self-care is to celebrate your wins – however big or small they might be. YOU ARE ENOUGH – this is about defining what your own money success looks like – not what others or society tells you it should be. Embrace (and make peace) with your money story and actively engage with your money – this will enable you to face your financial reality with more confidence and clarity!

Practical Tip

  • Always make sure there is money available for the little things that are important to you – don’t see them as luxuries.

Are you Ready to Love your Money?

Melissa has over 20 years’ experience in the financial services industry, having worked as a financial planner, stockbroker and seminar delivery specialist. 

She has ‘been there, done that’ in regards to building a healthy relationship with money – and she’s ready to do the same for you.

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Is Your Money Stressing You Out? Melissa Meagher Ruffle Mentoring


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