20 Great Financial Wellness Writing Prompts for Money Health This Year

It’s important to evaluate your habits, goals, and mindsets. With journaling, especially when using journal writing prompts, it’s easy to get a kickstart into reflecting on what makes you tick, how you feel, and how to improve. The same goes for financial wellness too! If you’re looking to dive deep into your money mindset, we’ve got 20 great financial wellness writing prompts below sure to help you reach improved financial fitness this year.

20 Great Financial Wellness Writing Prompts For Money Health This Year

What Is Financial Wellness?

While the U.S. Consumer Financial Protection Bureau defines financial wellness as “the feeling of having financial security and financial freedom of choice, in the present and when considering the future”, financial wellness is a state of being great with money. It is the power to take control of your financial health now and into the future. 

READ MORE: Why You Need a Financial Coach and 5 Tips for Saving Money

Those who can manage bills and expenses, pay debts (or be debt-free), survive, and even thrive during unexpected financial emergencies are typically those who are financially healthy. It’s also being able to save for the future with long-term goals and plans like saving for college and for retirement. Overall financial well-being also depends on mental health too which is why financial prompts and journalling are important.

Why Diving Deep With Financial Writing Prompts Is So Important

Understanding why we do things the way we do, and analyzing how we can get better is how we grow. Journalling can help anyone and everyone achieve goals, track progress and growth, gain self-confidence, improve writing and communication skills, and reduce stress and anxiety. It can also help us find inspiration and strengthen our memory.

READ MORE: 7 Simple Accounting Basics Everyone Should Know

The same goes for journalling about finances with writing prompts. Having a great money mindset is key to being financially well. And financial wellness is such a large part of our everyday lives.

20 Great Financial Wellness Writing Prompts For Money Health This Year

20 Financial Wellness Writing Prompts To Inspire

Grab a fancy journal, a simple notebook, or even just a new document on your phone or on your computer, and start writing with these writing prompts! The more focused you are and the more detail you put into your answers for these writing prompts, the more you’ll get out of it. Do a couple of writing prompts a week or even once a day – it’s up to you! Go back to your writing prompts and answers frequently to see if you’re progressing in the way you see best.

READ MORE: 5 Tips to Save Money this Summer
  1. What would you tell your younger self about handling money?
  2. If you suddenly received $20,000 today, what specifically would you do with that money? Is it a good plan? How can you make it better?
  3. How do you deal with money stress? Do you avoid the issues and hope they will go away on their own? Do you channel your stress into another activity, such as working, eating, or exercising? How can you improve this?
  4. I am not ________ enough when it comes to money. To turn this around and improve, I need to ________. Figure out a multi-point plan on how to succeed.
  5. How would you love to feel about money? Write a letter to Money, as if Money were a person, telling him or her what kind of relationship you would like to have.
  6. How did your parents handle money? Was it positive or negative? What traits do you do the same? Which traits do you do differently?
  7. Think of something you regret buying. Why did you buy it initially? Why do you regret it?
  8. What is something people spend a lot of money on that you believe is ridiculous? Why do you think they do it? Why do you feel so opposed to it?
  9. Do you feel like you donate enough to charities? Do you want to do more? What’s one way you can increase that percentage?
  10. What’s one career you believe isn’t paid enough for their job? Why do you feel that way? What do you think would be a good salary?
  11. Track how much money you’ve spent in the past week. Where could you have saved money? Do you regret spending any of it? How can you make a difference next week?
  12. What is one behavior you believe is negative toward the way you react to money?
  13. Think of someone who you think is horrible with money. What behaviors and traits do they have that make you think that? Now think of someone you think is great with money. What behaviors and traits do they have that make you feel that? What behaviors and traits do you want to emulate and what do you want to let go of?
  14. What is one money goal you have? Do you have a savings account dedicated to it? Write out a reasonable deadline for this goal and the steps to get there..
  15. If I lost my job tomorrow, I would do ___________ to make money in the meantime while I’m searching for new employment. Also, write out some financial changes you’d make to tighten spending if you were in a pinch. Having a plan is important. Do you feel you have enough in an Emergency Fund?
  16. In 5 years’ time, my money situation will look like….?
  17. What are three actionable things I can do today to reduce my debt? No debt? Great! What are three ways you can increase your savings today?
  18. If you could help someone else become financially well with money, what advice would you give them? Have you taken your own advice?
  19. Pick 10 words that describe your attitude and behaviors towards money. Now write 10 more words that describe how you’d like to feel and behave with money. Refer back to this list often.
  20. What is something you’re proud of doing with your money in the past?

If there’s one way to get better with your finances, it’s diving deep into what makes you tick with money. Journalling, especially using writing prompts, will help you figure out why you use money the way you do, and how to make it better. So jump on it and get going on your best financial year yet!

Check out Daily Mom’s article on 9 Easy Ways For Making Money Off Apps.


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20 Great Financial Wellness Writing Prompts For Money Health This Year



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Lauren Austin
Lauren Austinhttp://www.financialfundaments.com
She's a full-time Financial Coach, professional designer, and part-time home DIYer. As a business owner of Financial Fundaments, and an awesome mom to 3 young kids, she has a full plate but loves every minute of it. Lauren became a Daily Mom to satisfy her need for writing while helping other moms take control of their financial health.

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