58 Journal Prompts for Money Mindset

Writing in a personal journal can be a great way to reflect on your life experiences, learn from them, and grow as an individual. But it’s not always easy to get started, particularly on days you are not recording a notable event that took place.

Blank journal on a desktop

Money and our relationship with it can be difficult and at times paralyze us. Changing your mental mindset when it comes to money can help you take control of your finances and inspire you to set goals to accomplish your goals, whether that’s saving for a vacation or contributing to the retirement fund.

In this blog post, we give you 58 journal prompts for money mindset to help you work through your thoughts and feelings about money and how it impacts your life.

They are specially designed to start you thinking about a particular aspect of money but are worded to allow a lot of freedom for what you cover.

Use them as a starting point but do not feel you need to stop if you go off in a different direction.

That is one of the great benefits of journaling!

Grab a fresh journal like the beautiful Fanery Sue 3 pack below over at Amazon and let’s dive in with some writing prompts!

58 Journal Prompts for a Money Mindset

Here are 58 writing prompts to help you write about the money mindset. Use them in any order you wish but they can be done 1 down to create a stream of entries that build.

Later prompts, for example, will revisit earlier prompts with slightly modified wording to help you see your progress as you write.

  1. What is my current wealth mindset? How does it affect my financial behavior? How do I change it?
  2. What money mistakes have I made in the past? How can I learn from my mistakes?
  3. What is my current financial situation? What are my financial goals? If I do not have any goals why not? How am I tracking toward my goals?
  4. What is my credit score? Do I need credit to improve my credit score? How can I improve my credit?
  5. What is my current budget? If I do not have a budget, why not? How can I improve my budget? What budget tools can help me track my spending?
  6. What expenses are non-negotiable? How do I minimize these expenses? How can I afford these expenses while saving money?
  7. What is my income source(s)? How can I increase my income? What are my financial goals for income improvement?
  8. What is my emergency fund balance? How can I increase my emergency savings? What are my goals for my emergency fund?
  9. What are my financial obligations? How am I meeting my financial obligations?
  10. What expenses can I reduce to save money? How do they help toward my savings goal?
  11. What is my net worth? How do I calculate it? Why is this important?
  12. What is my spending behavior? How do I track my spending behavior? Why is it important to track my spending behavior?
  13. What is my savings rate? Why is it important? How can I improve it?
  14. What is my investment portfolio? Why is it important? How are my investments performing?
  15. What are my financial goals for the future? Why is it important to set goals for the future? How am I tracking towards my goals for the future?
  16. What is my debt situation? How much debt do I have? What debt do I have? How am I paying down my debt?
  17. Have I updated my budget? How am I tracking against my budget so far? How do I improve it?
  18. My first memory of money when I was a child was?
  19. What was the way my family viewed money and how did it work?
  20. What is my financial situation today? What is my financial situation going to be in the future? Why?
  21. What do I value about money and what are my goals for it?
  22. What are my financial goals for the next year?
  23. Have I made financial goals next five years? The next ten years? Why or why not?
  24. Have my views on money changed?
  25. Is there anything I believe about people with a lot of money?
  26. If I have a lot of money, what will people think of me?
  27. Do I have a good relationship with money or do I have a bad relationship with money?
  28. What is the biggest financial challenge I have faced in my life so far and how did I overcome it?
  29. What is the biggest financial mistake I have made and how did I learn from it?
  30. What would I do if I won the lottery tomorrow? How would I spend the money? Why?
  31. What are some money goals I have for myself this year and how am I tracking toward those goals?
  32. What are some things I can do to save money this year? Why will I do those things to save money this year?
  33. What is something I would like to buy?
  34. Why will I buy it? How much money do I need to buy it? How am I saving that money to buy it?
  35. What is something I would like to do this year? Why will I spend the money on that activity/event/experience/etc. ? How am I saving that money to do it this year?
  36. How would I describe my relationship with money in the past, present, and future? Why will I describe it like that? How has it changed over time?
  37. What are three things I would like to improve about my financial situation this year and how am I tracking towards improving them.
  38. What do I want my relationship with money to be?
  39. If I had all the money that I desired, what would I think of myself?
  40. Should I reward myself for staying at the current financial level? How?
  41. Do I feel guilty when spending money? Why or why not?
  42. Do I feel pressure to spend money because others around me spend money? Why or why not?
  43. Do I feel pressure to spend money in order to keep up with other people’s standard of living? Why or why not?
  44. What is my relationship with money like today? How has it changed over the years? Why?
  45. What is my relationship with money like today compared to my friends and family’s relationship with money? Why or why not?
  46. Do I feel that I have enough money to buy what I want when I want it? Why or why not?
  47. Am I good at saving money? Why or why not?
  48. Am I good at spending my money wisely? Why or why not?
  49. Am I good at investing my money wisely? Why or why not?
  50. Do I feel anxious about not having enough money when I spend money? Why or why not?
  51. Do I have a fear of becoming financially poor or losing my money in some way? Why or why not?
  52. Do I feel anxious about making more money because I know I will spend more money on things I don’t need in order to keep up with others’ standard of living? Why or why not?
  53. Do I have a fear of becoming rich because I know I will spend my money on things I don’t need in order to keep up with others’ standard of living? Why or why not?
  54. Do I feel anxious about spending my money on things I don’t need in order to keep up with others’ standard of living because others around me spend money frivolously on things they don’t need in order to keep up with others’ standard of living? Why or why not?
  55. Do I feel anxious about spending money because others around me spend money frivolously on things they don’t need in order to keep up with others’ standard of living, and
  56. Am I afraid that I will look like a failure if I spend money frivolously on things I don’t need in order to keep up with others’ standards of living? Why or why not?
  57. Is journaling providing me with the outlet I need to improve my financial situation and relationship with money?
  58. What will I do next?

I hope these prompts help you reflect on your past experiences, current financial situation, and relationship with money. Do you have any prompts that you think we should include?

Comment below!

As an Amazon Associate I earn from qualifying purchases.