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CLW Financial Planning LLC


During this time of the year, people often get caught up thinking about relationships or doing nice things for loved ones. And that’s okay! Showing appreciation for people you love is a great way to spend Valentine’s Day. But maybe you want to avoid traditional Valentine’s Day themes or activities, or take a little time to do something nice for yourself. Self-love is just as important as showing love to others — and being proud of your accomplishments is a huge part of self-love.


Talking about money might not feel like an act of self-love. Instead, it might make you feel anxious, embarrassed, or overwhelmed. But having a happy, successful relationship with your finances takes honesty, commitment, and hard work!


This Valentine’s Day, think about the benefits of having strong finances, especially as a woman. How do you love your finances when they stress you out?

1. Become aware of your money mindset.

The first step in making positive change in any area of life is awareness. Ted and Brad Klontz developed the Klontz Money Script Inventory where they described four distinct money beliefs patterns. They are:


  • Money avoidance

  • Money worship

  • Money status

  • Money vigilance  


According to the Klontzes, humans learn about money as a child; the beliefs are in our subconscious and they are passed down from generation to generation. Knowing or having an awareness of your money belief is the first step in understanding the limits you are putting on yourself and can help you see any negative money behaviors.


To check in on your financial feelings, you can ask yourself questions like:


  • Am I a money avoider? Do I think money is bad or does thinking about it make me anxious?

  • Am I a money worshiper? Do I think that the more money I have, the better my life will be?

  • Do I believe that money brings me status? Do I try to keep up with the Joneses?

  • Do I believe in money vigilance? Do I shy away from talking about money because it is a taboo topic?


It’s important to be a detective and start to understand your relationship with finances.   Understanding your relationship with money is the start to loving it. Pay attention, be honest, and open with yourself, and work out any problems that need solving.

2. Work toward what brings you joy.

There is such value in visualization techniques. That’s why, in my practice, I use the 5 E Financial Planning Process® developed by Money Quotient. Specifically, I focus on the Envision stage objective to assist my client in creating a vision for the future that is compelling, fulfilling, and inspiring. This mental picture will include everything that is important to the client and contributes to his/her happiness and life satisfaction.  


Once we see this mental picture, financial goals can be designed to support it. Usually, clients have a special buy-in to this process because they can see how the goal fits in to their values and overall happiness.  


Have you ever had someone tell you what your financial goals should be and they just didn’t feel right? Take this time to figure out what brings you joy and what makes you love your finances because they help you achieve goals for your life!

3. Take action and monitor progress.

If you can see your vision and you have goals that are aligned with that vision, you are more likely to stick with it. Commit to working towards your goals — and make sure to have fun along the way! If you’re taking steps to make your relationship with finances the best it can be, you’ll also want to have a support system. You’ve got plenty of other responsibilities: work, spending time with friends and family, staying fit, eating healthy, managing your house, and more. Consider how much more progress you’ll you have in your relationship with money when you have someone there to hold you accountable — and one who is there to remind you to celebrate the small victories along the way. Telling your friends and family about your goals is a great way to hold yourself accountable, but a financial planner can really seal the deal.

Financial planners are like matchmakers


Let’s face it: falling in love with your finances is like falling in love with a partner. You want to make sure you have the same goals and that you both want to do the same things in life. Having a financial planner is like having a matchmaker — they’ll be able to help you reassess your goals and get you comfortable with your finances. A good financial planner will also make sure that you and your money are both happy.


If you want a financial planner who will listen to your needs and concerns without judgment, and who will help you understand where you are, where you are headed and how best to get there, please reach out to me for a complimentary call.