5 Tiny Money Habits That Made Me Feel Like That Girl (Financially)

Let’s get one thing straight: “That Girl” doesn’t just drink matcha lattes and journal at 5 AM. That Girl also checks her bank account without flinching. She cancels subscriptions she doesn’t use, says “no thanks” to impulse buys, and knows exactly where her money’s going—and why.

Spoiler: You don’t need to overhaul your life to get there. You just need a few small shifts—daily money habits that quietly build wealth, confidence, and peace of mind. And lucky for you, I’ve already tested them.

So, if you’re looking for money tips for women that feel doable, cozy, and wildly empowering, pull up a chair. Here are five tiny-but-mighty money habits that made me feel like That Girl financially speaking.

1. I Started Checking My Bank Account (Without Holding My Breath)

Let’s be real: for a long time, checking my bank account felt like opening a surprise test I forgot to study for. I’d avoid it until I had to—usually when my card got declined at the grocery store (not a vibe).

Then I realized something: avoiding the numbers didn’t protect me from them—it just kept me in the dark. So I made a promise to myself: just look every morning. No judgment, no shame—just awareness.

Here’s how I made it a habit:

I bookmarked my banking app and put it next to my weather app.
I renamed it “Daily Check-In” (because it felt friendlier).
I reminded myself that even if the numbers weren’t perfect, I was showing up—and that was powerful.

Why it matters: This tiny habit gave me clarity. It helped me spot sketchy charges, track spending patterns, and—most importantly—feel in control. Financial confidence doesn’t mean having it all figured out; it starts with knowing where you stand.

💡TIPS: Want more financial confidence? Start with consistent money check-ins. No shame, just self-love and spreadsheets.

2. I Canceled That Random Subscription (And 5 Others Too)

You know that moment when you’re like, “Wait, why am I still paying for this?” Yeah. That.

One of the most empowering money tips for women I can offer is this: audit your subscriptions. I thought I had three. I had eleven. ELEVEN. That’s a whole brunch bill… every month.

Here’s how to cut the clutter:

Go through last month’s bank statement and highlight every recurring charge.
Ask: Do I use this? Do I love this? Is it adding real value?
Cancel the “meh” ones right away. Don’t wait. Hit unsubscribe like you’re the CEO of your own bank account (because you are).

It’s not about deprivation—it’s about alignment. Canceling those subscriptions gave me more wiggle room, less mental clutter, and a whole lot of main-character energy.

3. I Created a “Yes” Fund (aka, Guilt-Free Spending Money)

Budgeting gets a bad rep because it sounds like all you get to say is “no.” While saying no is very important, knowing when to say yes is just as important. But here’s the secret to building wealth slowly and enjoyably: make some space for YES.

I started a “Yes Fund”—a small, guilt-free stash for spontaneous coffees, mid-week flowers, or treating my friend to fries just because. No explanations needed.

Even just $5 a week added up. It became a reminder that financial freedom isn’t about strict rules—it’s about choice.

✨ Tiny habit: Automate a transfer of $5–10/week into a separate “yes” account or jar. Use it only when it sparks joy.

Having a Yes Fund gave me more satisfaction than any impulse buy ever could. It was proof that I could save and savor.

4. I Started Naming My Savings Goals (Because “Emergency Fund” Is a Downer)

Let’s be honest—“emergency fund” sounds like you’re bracing for doom. No wonder it felt hard to contribute to it.

So I renamed mine. Instead of “Emergency Fund,” I called it:

“Peace of Mind Money” (because it is)
“Future Me Fund” (she deserves it)
“Quit-My-Job Cushion” (highly motivating)

Every time I moved money into those accounts—even just $10—it felt like an act of love. A message to myself that I trust me, I care about me, I’ve got my own back.

This tiny habit turned savings from a chore into a celebration. And that’s how you build wealth slowly without burning out.

💡 Pro Tip: Use a banking app that lets you nickname your accounts or savings buckets. It’s a simple trick that can shift your whole savings mindset.

5. I Paused Before Every Purchase (Even the $8 Ones)

You know those “tiny” purchases that add up fast? The $8 latte, the $12 lip gloss, the $20 water bottle you already own in three colors?

I used to swipe first and think later. But now, before I buy anything—big or small—I ask myself:

Do I really want this, or am I just bored/stressed/tired?
Will this still feel good tomorrow?
What am I saying “no” to with this “yes”?

If it passes the vibe check, I buy it. If not, I walk away feeling kind of invincible.

🛍️ This is one of those daily money habits that builds financial confidence over time. It’s not about saying “no” to everything—it’s about saying “yes” with intention.

I call it mindful money momentum. And wow, it works.

Final Thoughts: Small Steps, Big Energy

Here’s the truth no one tells you: building wealth slowly isn’t boring—it’s quietly radical. These five tiny money habits didn’t just improve my bank balance. They changed how I saw myself.

I started feeling capable. Grounded. Powerful. Like the kind of woman who could handle whatever life (or her inbox) throws at her.

So no, you don’t need to become a financial guru overnight. Just start where you are—with the latte you’re holding, the browser tab you’re about to click, and the bank account you’ve been avoiding. Your money story is yours to rewrite, one cozy, confident habit at a time.

And if you need a gentle reminder: You already are That Girl You’re just giving her a financial glow-up.

TL;DR (Too Luxe, Didn’t Read):

Here’s a recap of the 5 tiny daily money habits that will have you building wealth slowly and radiating That Girl energy in no time:

Check your bank account daily—no shame allowed.
Cancel subscriptions that no longer serve you (even if they’re only $5).
Create a “Yes Fund” for guilt-free joy spending.
Rename your savings goals for positive vibes.
Pause before buying and choose with intention.

You’ve got this, gorgeous. 💖