Financial Wellness Worksheet — Money Mindfulness Printable
Addressing the emotional and psychological aspects of money improves financial outcomes by 35% more than financial education alone. Financial wellness starts with understanding your money scripts — unconscious beliefs formed in childhood.
Financial Wellness Worksheet
Money is the number one source of stress for American adults — ahead of work, health, and relationships — according to the American Psychological Association's annual Stress in America survey (2023). Yet financial wellness isn't just about having more money. Research by Dr. Brad Klontz, a financial psychologist at Creighton University, shows that our "money scripts" — unconscious beliefs about money formed in childhood — drive our financial behaviors far more than financial literacy alone.
This worksheet approaches financial wellness from a positive psychology perspective. Rather than focusing solely on budgets and restrictions, it helps you understand your emotional relationship with money, align spending with values, and build financial habits that support your overall well-being. A 2019 study in the Journal of Financial Therapy found that addressing the emotional and psychological aspects of money improved financial outcomes by 35% more than financial education alone.
Part 1: Money Script Assessment
Dr. Klontz identified four common money scripts. Which resonate with you?
Check all that apply:
□ Money Avoidance: "Money is bad" / "Rich people are greedy" / "I don't deserve money"
□ Money Worship: "More money will solve all my problems" / "I'll never have enough"
□ Money Status: "My worth is tied to my net worth" / "I need to keep up appearances"
□ Money Vigilance: "I must be very careful with every dollar" / "It's wrong to share financial info"
My dominant money script:
Where did my money beliefs come from?
Messages about money from my family growing up:
My earliest memory involving money:
How these beliefs help me:
How these beliefs hurt me:
Part 2: Financial Stress Inventory
My current financial stress level (1-10): _____
Top 3 financial stressors:
1.
2.
3.
How financial stress shows up in my body:
How financial stress affects my relationships:
Financial topics I avoid thinking about:
Part 3: Values-Aligned Spending
Research by Dr. Elizabeth Dunn at UBC, published in Happy Money (2013), identifies five principles of spending that actually boost happiness: buy experiences over things, make it a treat, buy time, pay now and consume later, and invest in others.
My top 5 values (from values discovery):
1. _____________ 2. _____________ 3. _____________
4. _____________ 5. _____________
Does my spending align with these values?
Where my money goes that supports my values:
Where my money goes that contradicts my values:
Three spending categories that bring me genuine joy:
1.
2.
3.
Three spending habits that don't add value to my life:
1.
2.
3.
Part 4: Financial Wellness Action Plan
One financial fear I'll face this month:
One financial habit I'll start:
One financial habit I'll stop:
One money conversation I need to have:
My "enough" number — what would financial peace look like?
Part 5: Gratitude for What I Have
Financial blessings I often take for granted:
A financial goal I've already achieved that I can celebrate:
Ways I'm financially better off than I was 5 years ago:
Daily Money Mindfulness Practice
Before each purchase, pause and ask yourself these three questions:
- Does this align with my values?
- Will this bring me joy beyond the moment of purchase?
- Am I buying this from a place of abundance or scarcity?
Financial wellness is not about being rich — it's about having a peaceful, intentional relationship with money that supports the life you actually want to live. Revisit this worksheet quarterly.
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