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25 Journal Prompts to Change Your Money Story

Healing your money story is one of the most transformative steps you can take toward living a life of abundance and peace.

For many of us, our relationship with money is deeply intertwined with past experiences, emotional wounds, and societal messages that have shaped how we think, feel, and act around finances.

This “money story” often operates in the background, influencing everything from our spending habits to our sense of self-worth.

Research in neuroscience shows that our beliefs and habits are deeply rooted in neural pathways formed by repeated thoughts and experiences. Dr. Joe Dispenza, a neuroscientist and author, explains that by intentionally reflecting on and reframing these beliefs, we can rewire our brains to adopt new, healthier patterns.

If you’ve ever felt stuck in a cycle of financial stress, avoiding money conversations, or struggling to save, it may be time to explore and heal your money story.

Journaling is a powerful tool for this kind of inner work. By engaging with thoughtful prompts, you can uncover the hidden beliefs that have shaped your financial behaviors, release what no longer serves you, and create a healthier, more abundant relationship with money.

Below, you’ll find 25 journal prompts organized into sections to guide you through understanding, healing, and rewriting your money story.

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Understanding Your Current Money Story

Your money story begins with the beliefs and experiences you’ve accumulated over your lifetime. To rewrite your narrative, it’s important to first understand the origins of your financial mindset.

These prompts will help you uncover the foundation of your current relationship with money.

  1. What is your earliest memory of money?
    Reflect on the first time you became aware of money. Was it positive or negative? How does that experience still influence you today?
  2. What did you learn about money from your parents or caregivers?
    Consider how their attitudes, habits, or struggles with money shaped your own beliefs.
  3. What phrases about money do you remember hearing growing up?
    For example, “Money doesn’t grow on trees” or “We can’t afford that.” How do these phrases affect you now?
  4. What emotions do you associate with money?
    Does money make you feel anxious, secure, ashamed, or excited? Explore why.
  5. How do you currently feel about your financial situation?
    Be honest. Are you satisfied, stressed, or avoiding it altogether?

Uncovering Limiting Beliefs About Money

Many of our financial struggles stem from limiting beliefs—negative ideas about money that keep us stuck. By identifying these beliefs, you can begin to challenge and replace them with more empowering thoughts.

  1. What do you believe rich people are like?
    Your answer can reveal hidden biases or stereotypes that might be holding you back from wealth.
  2. Do you believe money is hard to earn? Why or why not?
    Challenge this belief and consider examples of people who earn money in enjoyable or effortless ways.
  3. What do you fear would happen if you became wealthy?
    Sometimes, fears of judgment, responsibility, or change can prevent financial success.
  4. Do you feel deserving of financial abundance? Why or why not?
    Explore where feelings of worthiness or unworthiness stem from.
  5. What negative beliefs about money do you want to let go of?
    Write them down and consider how they’ve limited you.

Creating a New Money Mindset

Once you’ve uncovered limiting beliefs, it’s time to replace them with positive, empowering thoughts about money. These prompts will help you reimagine your financial future and create a mindset rooted in abundance and possibility.

  1. What would financial freedom look like for you?
    Imagine your ideal life without money worries. What does it include?
  2. What positive beliefs about money would you like to adopt?
    For example, “Money is a tool for good” or “I am capable of managing wealth responsibly.”
  3. How can you practice gratitude for the money you currently have?
    Write down three things you appreciate about your financial situation right now.
  4. What skills or habits could you develop to improve your finances?
    Think about learning to budget, investing, or building an emergency fund.
  5. What would you do with a sudden windfall of $10,000?
    This prompt can reveal how aligned your spending is with your values and goals.

Healing Your Relationship With Money

A healthy relationship with money involves releasing guilt, shame, and fear while fostering forgiveness and joy. These prompts will help you heal past wounds and develop a more peaceful connection to your finances.

  1. What money mistakes have you made, and what did you learn from them?
    Reflect on past experiences without judgment and focus on the lessons.
  2. How do you feel about debt?
    Write about any shame or guilt you might carry and explore how you can approach debt differently.
  3. Who or what do you need to forgive related to money?
    This could include yourself, a partner, or even a financial institution.
  4. How can you make money feel more joyful?
    Think about ways to celebrate small wins or incorporate fun into your financial life.
  5. What would your relationship with money look like if it were a person?
    Describe this “person” and consider how you might improve the relationship.

Visualizing Financial Abundance

Visualization is a powerful tool for manifesting change. By imagining a life of abundance, you can create a clear picture of what you’re working toward and align your actions with your goals.

  1. What would you do if money were no object?
    Dream big! Write about the life you would create if you didn’t have financial constraints.
  2. What kind of legacy do you want to leave with your money?
    Consider how you’d like to impact your family, community, or the world.
  3. How would you feel waking up each day knowing you had financial security?
    Describe those emotions in detail to anchor them in your mind.
  4. What specific financial goals excite you?
    Write down one or two goals that light you up and why they matter to you.
  5. How can you start embodying abundance today?
    This could include dressing confidently, treating yourself, or shifting to a mindset of “I have enough.”

Tips for Using These Prompts Effectively

  • Be consistent. Dedicate a specific time each day or week to journaling. Even 10 minutes can make a difference.
  • Be honest. Your journal is a judgment-free zone, so let your thoughts flow freely.
  • Reflect on patterns. After journaling, review your entries to identify recurring themes or beliefs.
  • Take action. Use insights from your journaling to make tangible changes in your financial habits or mindset.

Why Changing Your Money Story Matters

Your money story isn’t set in stone. It’s a narrative you’ve inherited or created, but you have the power to rewrite it. By journaling through these prompts, you’ll uncover hidden beliefs, heal past wounds, and begin to see money as a tool to support the life you want to live.

The way we see ourselves—our self-identity—plays a huge role in how we handle money.

The beliefs you hold about your abilities, limitations, and financial worthiness often shape your decisions in ways you might not even realize.

For example, seeing yourself as “not good with money” can lead to avoiding budgets or investments, while believing you’re capable encourages you to take charge of your finances.

These beliefs are at the core of your money story, intertwined with how you view yourself and your potential. The impact of your early narratives are influencing your financial choices today.

As you work through these prompts, think about how your story has shaped you and how you’d like it to evolve. What will your new narrative look like?

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One Comment

  1. Beautifully written! I have been working on healing my money story for a while now and this helped me see there are still some limiting beliefs I need to release!