Financial Self-Care: 7 Tips to Get Started

(3 Minute Read) — Self-care isn’t just about spa days and bubble baths. While those are great, true self-care is about taking deliberate actions that improve your overall well-being — and that includes your financial health.

At Unitus Community Credit Union, we believe that practicing financial self-care is one of the most empowering things you can do for yourself. Here’s how to get started: 

1. Set Aside Time for Your Finances 

Just like scheduling a workout or meal prep, dedicate time each week to review your finances. Use this time to: 

• Check your account balances. 

• Review recent transactions for accuracy. 

• Set or adjust your budget based on upcoming expenses. 

This habit not only helps you stay organized but also builds your confidence as you take charge of your financial life. 

2. Celebrate Small Wins 

Financial self-care is a journey, not a sprint. Celebrate small milestones, like paying off a credit card, sticking to your budget, or hitting a savings goal. Recognizing these accomplishments keeps you motivated and reinforces positive habits. 

3. Build a Rainy-Day Fund 

Life is unpredictable. Having a financial cushion can provide peace of mind when the unexpected happens. Start small: aim to save $400 initially. Over time, work towards a larger emergency fund that covers three to six months of essential expenses. A great way to get started is to enroll in Unitus Rewards, where the savings are automatic. 

4. Invest in Your Future 

Investing isn’t just for the wealthy — it’s for anyone who wants to build long-term security. Whether it’s contributing to your 401(k), opening an IRA, or exploring other investment opportunities, growing your wealth is a powerful form of self-care. Unitus members have access to financial planning resources to help make investing approachable and achievable. 

5. Practice Financial Mindfulness 

Mindfulness isn’t just for meditation; it applies to money, too. Being mindful about your spending means: 

• Asking yourself if a purchase aligns with your values and goals. 

• Avoiding impulsive spending by taking a 24-hour pause before making non-essential purchases. 

• Focusing on experiences and items that truly enrich your life. 

6. Educate Yourself 

Knowledge is power. Take time to learn about financial topics that matter to you, whether it’s budgeting, credit scores, or retirement planning. Get started with our free financial well-being tools. 

7. Seek Support When You Need It 

You don’t have to go it alone. Just as you’d consult a therapist for mental health or a trainer for physical health, you can reach out to our financial experts for guidance. We have certified financial coaches standing by to assist you, in English or Spanish! They offer personalized support to help you create a plan that works for you. 

Financial Self-Care Starts Today 

Your financial health is a cornerstone of your overall well-being. By incorporating these financial self-care practices into your routine, you’ll feel more in control, less stressed, and better equipped to achieve your goals. 

At Unitus Community Credit Union, we’re here to support you every step of the way. Whether it’s setting up a savings account, exploring investment options, or accessing educational resources, we’re committed to helping you prioritize your financial wellness. 

Start your journey today and take the first step towards a healthier, happier you — because you deserve it.