As we leave January behind and approach Valentines Day and Family Day, I thought it might be nice to focus on one of the most important relationships in our life - the relationship with money. This blog gives you ideas on what money habits you can focus on changing to have a healthier relationship with money in 2025.
Consider using the Love Letter below or writing your own to commit to breaking some of these bad habits, or add others that you might want to change.
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Dear Future Me,
This Valentine’s Day, I’m choosing to celebrate us—the person I am today and the person I am becoming. No more ignoring my finances, settling for less, or feeling guilty for wanting more. It’s time to break up with bad money habits and commit to a relationship built on financial self-love, empowerment, and abundance.
Saying Goodbye to Financial Avoidance
I know how easy it is to look away when my bank account balance feels overwhelming or when bills pile up. But from this day forward, I promise to face my finances with confidence. Knowledge is power, and I owe it to myself to understand where my money is going, set clear financial goals, and create a budget that supports my dreams.
Letting Go of Impulse Spending
Retail therapy may feel like self-care in the moment, but I deserve a deeper kind of love—one that isn’t tied to fleeting purchases. I’m shifting my mindset from instant gratification to long-term satisfaction. Before I buy, I’ll ask myself: Does this align with my bigger financial vision? If not, I’ll walk away with my self-worth intact.
Cutting Ties with Debt Dependence
Debt is no longer my security blanket. I refuse to let it dictate my future. Instead, I will take control by creating a debt repayment plan that works for me. Small, consistent steps will lead to big changes, and I will celebrate each milestone along the way.
Prioritizing My Financial Desires
I am done putting myself last. Investing in my future—whether through savings, retirement accounts, or wealth-building opportunities—is an act of self-love. I will set clear financial boundaries, say no when needed, and embrace the truth that my financial well-being matters just as much as my emotional and physical health.
Committing to Wealth with Confidence
I am worthy of abundance. I release any guilt, shame, or fear around making money, asking for a raise, or building wealth. Money is a tool that will help me create a life I love, and I am ready to use it wisely.
So, Future Me, here’s my promise: I will treat our finances with love, respect, and intention. This is the start of a beautiful, thriving financial relationship—one that will support us in living the life we truly deserve.
With love and commitment,
Your Present Self
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What money habits are you ready to break up with?