Self-care isn’t just a trendy hashtag for Instagram; it can be real and vital in all areas of life. Traditionally, we might think of self-care as a way to look after our mental and emotional well-being, but the concept can be much broader than that.

Maintaining financial health, for example, may also require a strong self-care routine. When it comes to finances, self-care might mean taking a holistic look at your financial situation and taking the time and mental energy necessary to make your money work for you. Consider these tips for ways to practice improved financial self-care.

1. Know Your Worth (Your Net Worth)

Knowing your worth might be standard life advice, but when it comes to finances, we’re not just talking about knowing and owning your value as a human being, but about knowing the actual dollar value of your belongings.

“Irrespective of how much money you make (or don’t make), it’s important to know what’s coming in and going out,” explains Aditi Shekar, founder and CEO of Zeta, a tool that helps couples manage their money together. “A lot of people don’t bother looking at their finances and find themselves losing control as a result. Just using an app or a spreadsheet to track what you have, what you owe and what you earn and spend will set you up to be better with money.”

Ben Feldmeyer, a private wealth adviser with Ameriprise Financial Services, agrees. “Your household presumably has money coming in and money going out, so at the end of the month, you are either getting ahead, breaking even or coming up short,” Feldmeyer says of the importance of having a handle on your cash flow. “Know what your current financial picture looks like and be conscious of where you are spending your money. If you are breaking even or coming up short, start tracking your expenses and see where you can make adjustments.”

2. Visualize Your Goals

Visualization can be a powerful motivational tool no matter what your goal. With finances, as with so many big goals we set, the day-to-day decisions that lead to long-term happiness can be boring and difficult. Skipping dinner out with friends can be hard, but keeping your eyes on the prize — whether that prize is a fun vacation or just the peace of mind that comes with a strong financial foundation — can help keep you on track.

“Just like fitness starts with a goal like losing weight or being healthy, money works the same way! Knowing what you’re working toward helps you figure out the ‘why’ and stay committed to it,” Shekar says. “Also, knowing your goals makes you not only happier but more likely to achieve it. Not sure where to start? Browse [sites like] Pinterest or Instagram — knowing other people’s goals will inspire you to figure out your own.”

3. Set Goals, Big and Small

While setting big, long-term financial goals like taking a major vacation or paying down a big debt can be a great motivational tool, they can also be, well, too big.

“It’s often the case that thoughts about the future and one’s financial well-being are only tied to lofty, abstract, distant and catch-all terms like retirement,” suggests Vimvest co-founder Justin Bailey. “While important, the bigger the idea, the harder it can be to immediately identify with.”

Just like studying for a test or finishing a big project might be less daunting when broken down into smaller parts, saving and practicing fiscal responsibility can be easier when you set yourself up for small wins.

“Don’t just practice discipline in setting long-term goals. Start setting short-term goals as well,” Bailey advises. “Plan and set goals with more granularity. This practice helps you break down ideas, allowing you to both have a clearer vision toward reaching your goals while helping you be more conscious of what money is for or what it represents — a huge part of improving financial well-being.”

Bailey suggests short trips and experiences as good short-term savings goals, but he also says that things like home purchases can work as well. Buying a new appliance, like a vacuum cleaner or microwave, might not be exciting. But because you’ll get frequent, practical use from it, it can serve as a constant reminder of how great it feels to make the sometimes “boring” responsible choices when it comes to money.

4. Get Organized

Financial self-care might not be possible if your finances — and all the documents, passwords and other numbers and forms related to them — aren’t in order. This can become especially important during emergencies. If there’s a crisis of any kind, the last thing you’ll probably want to do is sort through piles of unwieldy paperwork.

“Nothing is more crucial in times of crisis than to have information ready, organized and accessible when you need to act,” says Chris Wong, CEO of LifeSite. “Organization is the first step in financial self-care, and digital record-keeping should be a part of any financial wellness or disaster preparation plan.”

5. Plan for the Future

This one might not be fun to think about, but experts agree that a crucial component of financial self-care can be thinking ahead — far ahead. It might be uncomfortable to consider, but having your affairs in order with a detailed financial plan can lift a big weight from your shoulders and give you a sense of financial security you may not have even realized you were missing.

Feldmeyer says to start by double-checking the beneficiary designations on things like your retirement savings accounts and insurance. He also recommends having a basic estate plan in place that includes a power of attorney, health care power of attorney, living will and a will. If you have anything complex to handle in a will, like children under the age of 18, he says you should see legal counsel and ask about setting up a revocable living trust.

“Be sure your bank accounts are set up as Joint Tenants With Rights of Survivorship or you have a Pay On Death on the account,” he adds. “This way, your money will go where you want it to go if you die.”

6. Look for Discounts

If you want to take your financial self-care to the next level, you might want to try gamifying the experience by turning bargain hunting into a personal challenge.

Discounts are available everywhere — military, police, fire department and teachers often have standing discounts with restaurants, hotels and even some stores,” Feldmeyer says. “Don’t forget about some of the membership perks that come with certain services.”

Feldmeyer also points out that you can sometimes create discounts where they don’t seem to exist. Anytime you’re shopping, you might want to check competitors’ websites, apps and even old-school print ads and ask for a price match if you find something you’re buying cheaper elsewhere. Integrating small ways to save in your daily routine might help avoid debt, build savings faster and increase your overall peace of mind.

7. Don’t be Afraid to Haggle

On a similar note, Feldmeyer says that literal bargaining — as in actually negotiating with sellers for a better price — can be a woefully underused option. While this tactic might not get you far at, say, a big box store, there are a lot of things you spend money on every month that might be negotiable. This is especially true of services like your cable bill, where a simple phone call asking for a discount could result in a lower monthly rate.

“Your cable company is a great example of this, but many services have negotiable rates,” Feldmeyer advises. “Don’t just settle for the first price they give you.”

Just like with bargain hunting, haggling can help you save money and feel more secure and less anxious. What’s more, haggling might grow your confidence, give you invaluable practice discussing money and help increase your overall financial knowledge, all of which can leave you better prepared to make smarter financial decisions for the rest of your life.

8. Take Advantage of Every Benefit Your Company Offers

Many companies offer benefits to help set employees up for their post-workforce lives. One easy but impactful way to practice financial self-care can be just to opt in to every benefit you can.

“If your employer has a retirement savings plan with a company match, be sure to save at least enough to get the matching money,” Feldmeyer says. “Know your benefits at work and take advantage of them. This is typically the cheapest way to get life insurance, disability insurance, etc.”

9. Learn to Say ‘No’

We all know this one, but one of the easiest ways to let your financial life spiral out of control is by indulging in impulse spending and splurging on wants that add up to make it hard to pay for needs.

“You’ll need to ask honestly, ‘How healthy are my finances?'” Wong suggests. “What are your ‘must-haves’ and what expenses, if any, can you reduce or live without?”

Another big leech on financial well-being can be social spending. It might seem awkward at best (or rude at worst) to say no to an invitation to get dinner with friends or tag along on an impromptu weekend trip. But, if you think of yourself as an employee on your own personal payroll, it might be easier to keep things in perspective.

“It’s easy to justify spending money and not saving,” Feldmeyer says. “Learn to pay yourself first.”

10. But Say ‘Yes’ to Charities

Financial self-care doesn’t mean never spending money — it just means being mindful about when you spend money and what you spend that money on. According to Bailey, charitable giving might not just give you warm fuzzies in the moment, but it can also help build a foundation for good financial decision-making down the line.

“A vitally important aspect to financial well-being is consistent charitable giving,” he says. “Regular giving helps bring an even wider focus on money as a means, not the end. Even micro-giving — a few pennies a day — can make the lives of others better, and by participating in that mission that we will only accomplish together can help create a true sense of holistic financial well-being.”

11. Make Financial Self-Care Part of Your Routine

Most things are easier to do once you turn it from a goal into a habit, and practicing financial self-care is no different.

“Make your finances a part of your routine,” Feldmeyer says. “Know your numbers, have a plan and work the plan.”

Bailey says that a good way to build that habit is to be mindful of moments when you make less than awesome financial decisions and turn those moments into your financial self-care time.

“A good starting habit when trying to figure out how often to practice financial well-being is to do it as often as the more impulsive shopping habits we all have,” he says. “For example, if you shop once a week for fun, then make it a point to spend time focusing on your financial well-being once a week at least.”

12. Ask for Help If You Need It

Finally, experts say it can be important not to get too hung up on the “self” part of financial self-care; it’s OK to enlist professional help if you need it. In fact, in some cases, it’s probably the wisest decision.

“Financial self-care does not mean doing everything yourself,” Wong says. “Once you’ve taken stock and done an honest assessment, you will be able to determine the level of support you need to help you save and invest for your future. Whether you need basic budgeting help or are looking for more advanced financial planning assistance, the good news is there are resources available.”

Whether you decide to seek professional help or not, Wong says that putting the time and energy into prioritizing financial self-care can be absolutely vital.

“Making the time to take care of your financial life now will help make sure your finances can take care of you in the future,” he says.

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