• Skip to primary navigation
  • Skip to content
  • Skip to primary sidebar
  • Skip to footer

Moments A Day

Personal growth for kids and adults

  • Home
  • About
    • About the Blog
    • About Chelsea
  • Local Events
  • Blog
    • Parenting Inspiration
    • Activities for Kids
    • Acts of Kindness
    • Resources + Reviews
  • Shop
  • Contact
  • Nav Social Menu

    • Facebook
    • Google+
    • Instagram
    • Pinterest
    • Twitter

Self-Care for Mothers: Healthy Attitude to Finances

Share this:
  • Facebook
  • Pinterest
  • Google+
  • Twitter
  • email

Learning to have a positive relationship with money and how you spend it

One of the everyday choices I have to make as a mother is how to spend money.  Do I spend a bit more to buy organic food?  Should I buy the kids more expensive shoes in the hopes that they will last longer?  Do I have enough extra this month to get a haircut?

I never realised how entrenched these decisions would be within my daily routine, and how much anxiety and guilt they would sometimes induce.  Without much effort I second guess myself and wonder if I should have spent the money on the other product which was so similar but had a few different features, or if I should have bought something else entirely…

The choices and weighing them up is never-ending!

Over time I noticed the guilt over money was causing unnecessary anxiety in my life, so I decided to examine what I really believed about money and how I could feel better about my choices.  Here I’m going to share some of my reflections.  If you have similar struggles, I hope they might bring you some peace and clarity on the subject as well!

Examining the concept of money

When you think of “money” what comes to your mind?

  • Do you see it as something you will never have enough of, something that only wealthy people have?
  • Do you feel confident that you have enough of it?
  • Do you automatically feel stressed that you need more, and start to wonder how you are going to get it?

At first the topic of “money” may seem like a fairly simple and concrete subject.  Upon examining my inner feelings and reflecting on my practices surrounding it, however, I found it to be much more complicated than I originally thought.

At best, one can have a realistic expectation of what money does in your life and feel confident with your financial situation.

At worst, you may find inconsistencies in your beliefs about money and your habitual use of it, and it can be a constant source of stress and worry.

Money is a tool

I have come to the conclusion that money is a tool for living – it is not “good” or “bad.”  It offers people a method to exchange goods and services with others.

We need money so that we can live a life of peace and security.  Having money does not equate to happiness, worth, nor a life of extravagance.  You will see some people living a life of excess when they in reality have a very limited amount of income.  You will see other people living a frugal life when they actually have a lot of money put away in the bank.  And you will see people of all financial situations – some happy, some not.

Thinking of money as a tool, instead of a key to success or happiness, makes it feel a lot more manageable.

How you spend money is a reflection of your values

So using money as a tool, we can then start the process of budgeting.  Now each person has choices to make regarding what to spend it on.

Spending money should ideally reflect their values in life.  For example, after spending money on food and necessary expenses for their family:

  • One person may spend all the rest on fun excursions and vacations.
  • Another person may pay off a mortgage, because they decided owning their own house was their priority.
  • Yet another person may decide to save all the leftover money, after food and expenses are paid, for retirement.

Is it wrong if someone wants to spend money making memories, versus saving up to have security in old age?

No.  There is not a “right” way to spending money.  Each person, couple, and family will have their own particular circumstances and priorities that will determine how they spend their money.  As long as we examine our habits and make sure we are happy with our decisions in the long run, this is fairly straight forward.

These are the big choices, though, the overall goals… what about the little ones that are made every day?  Like:

Taking the kids to the cinema ($30) or waiting for the movie to come out on DVD ($5)?

These are the little choices that sometimes drive me crazy.  And honestly, do not deserve as much weight on my mind as I often afford them!

I think some of the anxiety sometimes comes from comparing to others (which is ridiculous, I know, but easy to do especially with social media these days!).  There is no way to make a judgement about what decisions anyone else makes, or show the backstory as to why they are making them.  If you see a friend posting about their awesome overseas vacations, instead of thinking “I need to take my kids to somewhere amazing so they have a great childhood!” remind yourself that your children are receiving a different set of life experiences based on your parenting choices.  Neither is “better” or “worse.”  They are simply different.

What’s the answer then?  I’ve decided for me it’s simply: stop stressing out about it!

When I decide to go out to the cinema for a treat, I do my absolute best to ENJOY it and don’t spend the whole time wondering if the experience was worth the money.

In short, what I have decided to do is: Make decisions, live them out with joy, and move on to the next choice using experience as a guide (and not an excuse to live in guilt about something I might partially regret).

The bottom line…

We all make choices and we can only do the best that we can in the moment that we make them.  Just like with anything, purchasing products and budgeting is a skill that we can refine over time through reflection and practice.

Making financial decisions is simply another role we have as mothers – and we should beware of the pressure we put on ourselves to do it “perfectly.”  We will all make different choices so I think what is most important is not the actual decision but about fostering a healthy attitude to finances so we can grow and learn through our experiences.

Feeling stressed is not going to help.  Actively reflecting on our choices and holding ourselves accountable to realistic goals – that’s a lot better.

Questions to reflect on:

How do you spend your money, and do your habits reflect your true priorities in life?

Do you stress out about money when it’s not necessarily helpful?

How can you ensure you have a healthy attitude to finances?


This post is part of the series Self-Care for Mothers in which I discuss caring for myself amidst the busy reality that is motherhood.  I believe in order to “be our best” as parents we have to take care of ourselves as individuals.  This series is dedicated to sharing insights that I am learning during my own journey and inviting readers to share their tips as well.  Check out the rest of the series by clicking here.


Share this:
  • Facebook
  • Pinterest
  • Google+
  • Twitter
  • email

Filed Under: Blog, Self-Care for Mothers

About Chelsea Lee Smith

Author, certified parent educator, and mother of four with a background in Communications and Counselling, Chelsea provides resources to parents and teachers who want to incorporate personal growth into everyday moments. Follow her @momentsaday on Facebook, Pinterest and Instagram.

Subscribe To The Newsletter

« How to Play with a Baby – Tips for Teaching New Big Siblings
Review: Magnets with Inspirational Quotes »

Reader Interactions

Comments

  1. Danae

    August 23, 2015 at 2:27 pm

    Thanks for the great blog. It’s a wonderful reminder to enjoy the moment as they do go by so quickly!

    Reply
    • Chelsea Lee Smith

      August 25, 2015 at 11:08 am

      Thanks for the feedback Danae, I’m glad you liked the post! It seems so simple to live in the moment but it’s hard to stop thinking sometimes! x

      Reply
  2. Shweta Sharma

    October 11, 2015 at 12:18 pm

    hi Chelsea…..
    I loved your blog….you explained it so nicely….money is just a tool…use it wisely…and then enjoy your loving moments happily with loved ones…
    Thanks for sharing….. ☺️

    Reply
    • Chelsea Lee Smith

      October 12, 2015 at 8:20 pm

      Thanks for the comment, Shweta, I’m so glad you enjoyed the post 🙂

      Reply

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Primary Sidebar

Categories

Subscribe to the newsletter

Follow on Facebook

Footer

From the Shop

  • Ebook Bundle $16.99
  • Little Questions Journal for Young Children $9.99
  • Garden of Virtues Activity Book (SINGLE COPY PDF) $3.99

Sign Up for the Newsletter

Find out when I have a new resource available.

Follow on Social Media

  • Facebook
  • Google+
  • Instagram
  • Pinterest
  • Twitter

About the Author

Chelsea Lee Smith is an author, certified parent educator, and mother of four children with a background in Communications and Counselling. She provides resources to parents and teachers who want to incorporate personal growth into everyday moments. Browse the shop and blog categories to find practical inspiration for family life including tips, activities, printable pages, and resource recommendations.

Copyright © 2025 Moments A Day. Do not reproduce images or content on this website without permission from the author.