Hey, bestie,
Let’s talk about the glow up nobody wants to admit they need: your money.
You can have the perfect morning routine, the aesthetic apartment, the That Girl wardrobe, the clean eating habits. But if you’re still living paycheck to paycheck, stressed about your bank account, and avoiding looking at your credit card balance?
You’re not glowed up. You’re just performing.
A real glow up includes your finances. Rich girl energy isn’t about being actually rich (yet). It’s about managing what you have strategically, thinking abundantly instead of scarcely, and building wealth intentionally.
2026 is your money glow up year.
Not through hustle culture burnout. Not through deprivation and penny-pinching misery. But through strategic mindset shifts, smart habits, and rich girl energy that attracts more money while you manage it wisely.
✨ Want the complete transformation system? Download my free Pinterest to Dream Life Starter Kit — financial freedom is part of your dream life, and this shows you how to build it.
Let’s get you financially glowed up.
The Rich Girl Mindset Shifts
Shift #1: From “I Can’t Afford It” to “How Can I Afford It?”
Old mindset: “I can’t afford that, so I won’t even try.”
Rich girl mindset: “How can I afford this? What would I need to do?”
One shuts down possibility. One opens creativity. Rich girls ask better questions.
Practice: When you want something, instead of immediately saying “I can’t afford it,” ask “What would it take to afford this?” Then explore options: save for it, increase income, sell something, budget differently.
Shift #2: From Scarcity to Abundance
Old mindset: “There’s never enough money. I’m always broke.”
Rich girl mindset: “Money flows to me easily. There’s always enough and more coming.”
Your beliefs about money directly affect how you manage it and attract it. Scarcity creates desperation. Abundance creates strategy.
Practice: Daily affirmation: “Money comes to me easily and frequently.” Even if it feels fake at first. Use my Glow Up SOS Kit ($7) for money mindset reprogramming.
Shift #3: From Spending to Investing
Old mindset: “I work hard, I deserve to spend on whatever I want.”
Rich girl mindset: “Every dollar is either an expense or an investment. I choose investments.”
Rich girls ask: “Will this purchase bring me closer to or further from my financial goals?” Not every purchase needs to be an “investment,” but the awareness changes everything.
Practice: Before buying, ask: “Is this an expense (gone forever) or an investment (returns value)?” Choose investments more often.
Shift #4: From Avoiding to Tracking
Old mindset: “I don’t want to look at my bank account. It stresses me out.”
Rich girl mindset: “I track every dollar because awareness creates control.”
You can’t improve what you don’t measure. Rich girls know their numbers intimately.
Practice: Check your bank account daily. Track spending for 30 days. Face the numbers. Awareness is the first step to wealth.
The Money Glow Up Action Plan
Phase 1: Financial Awareness (Weeks 1-2)
☐ Track Every Dollar You Spend for 30 Days
Apps like Mint, YNAB, or just a simple spreadsheet. Write down EVERYTHING. Awareness is power.
☐ Calculate Your Current Net Worth
Assets (what you own) minus liabilities (what you owe). This number might hurt. That’s okay. You need a starting point.
☐ List All Income Sources
Salary, side hustles, passive income, everything. Know what’s coming in.
☐ List All Expenses by Category
Housing, food, transportation, subscriptions, entertainment, etc. See where your money actually goes.
☐ Identify Your Money Leaks
Subscriptions you don’t use, impulse purchases, eating out too much. Find where money disappears.
The goal: Complete financial clarity. You can’t glow up financially until you know where you are.
Phase 2: Financial Foundation (Weeks 3-6)
☐ Create a Realistic Budget
Not restrictive. Strategic. Allocate every dollar intentionally: needs, savings, investments, wants.
☐ Start an Emergency Fund
Goal: $1,000 first, then 3-6 months expenses. Even if you only save $20/week, start.
☐ Automate Your Savings
Set up automatic transfer to savings the day you get paid. Pay yourself first, always.
☐ Pay Off One Small Debt
Start with the smallest balance. Quick win builds momentum. Debt-free is the ultimate glow up.
☐ Cancel One Subscription You Don’t Use
Instant monthly savings. Redirect that money to savings or debt payoff.
☐ Negotiate One Bill
Call your internet, phone, insurance provider. Ask for discounts. You’d be surprised what you can save.
The goal: Build financial stability. Emergency fund + debt reduction + intentional spending.
Phase 3: Wealth Building (Months 2-3)
☐ Increase Income by 10-30%
Ask for raise, start side hustle, freelance your skills, sell items you don’t use. More money in = faster glow up.
☐ Open a High-Yield Savings Account
Your savings should earn interest. Move from traditional savings (0.01%) to high-yield (4-5%).
☐ Learn Investing Basics
Read one book, take one free course, watch YouTube videos. Knowledge removes fear.
☐ Start Investing (Even $10)
Roth IRA, index funds, 401k match. Start small. Compound interest is magic.
☐ Build One Passive Income Stream
Digital products, affiliate marketing, rental income, dividend stocks. Money that works while you sleep.
☐ Increase Your Savings Rate
Started saving 5%? Bump to 10%. Already at 10%? Go to 15%. Incremental increases = big results.
The goal: Move from surviving to thriving. From paycheck to paycheck to building actual wealth.
Rich Girl Money Habits
Morning Rich Girl Routine:
- Check bank account (face your numbers daily)
- Review budget/spending from yesterday
- Affirm: “I am wealthy, abundant, and financially free”
- One money action (save $5, research investment, negotiate bill)
Weekly Rich Girl Money Date:
- Review all spending for the week
- Check progress toward savings goals
- Adjust budget if needed
- Plan for upcoming expenses
- Celebrate wins (paid off debt, hit savings goal, etc.)
Monthly Rich Girl Financial Review:
- Calculate net worth (watch it grow!)
- Review all subscriptions (cancel what you don’t use)
- Look for ways to increase income
- Adjust financial goals based on progress
- Invest or save any extra money
The compound effect of daily + weekly + monthly habits = financial transformation.
The 2026 Money Glow Up Goals
By March 2026:
- $1,000 emergency fund saved
- Budget created and followed for 90 days
- All subscriptions reviewed and unnecessary ones cancelled
- One debt paid off or significantly reduced
- Complete spending awareness
By June 2026:
- 3 months expenses saved in emergency fund
- Income increased by at least 10%
- High-yield savings account opened
- Basic investing knowledge acquired
- One passive income stream started
By September 2026:
- Investing consistently (even if small amounts)
- 6 months expenses saved OR all high-interest debt paid off
- Living below your means comfortably
- Net worth increased by at least 20%
- Money mindset completely shifted
By December 2026:
- Financial confidence and peace
- Systems in place that run automatically
- Wealth-building trajectory established
- No longer stressed about money
- Rich girl energy fully embodied
Budget-Friendly Money Glow Up Tips
You don’t need money to start your money glow up:
Free:
- Track spending in notes app
- Face your bank account daily
- Cancel unnecessary subscriptions
- Negotiate bills
- Learn about investing on YouTube
Under $10:
- Personal finance book from library or used
- Budget planner from Dollar Tree
- Financial podcast (free, but premium $5-10/month)
Under $50:
- Budgeting app subscription (YNAB, Mint premium)
- Investment app to start with (Acorns, Robinhood)
- Financial course on Skillshare
The biggest money glow up is free: change your mindset and track your spending.
Why Money Glow Up Changes Everything
Financial stress affects:
- Your physical health (stress, anxiety, sleep issues)
- Your relationships (money fights, resentment)
- Your confidence (feeling behind, feeling “less than”)
- Your dream life (can’t build it without financial foundation)
Financial peace creates:
- Better sleep and less anxiety
- Confidence and self-trust
- Options and freedom
- Ability to invest in your dreams
- Rich girl energy that’s magnetic
You can’t fully glow up while stressed about money. Financial wellness is part of the glow up.
Your Money Glow Up Starts Today
Pick ONE thing from this guide. Do it today.
Check your bank account. Cancel one subscription. Save $5. Track today’s spending. Read one article about investing.
One small money action today compounds into financial freedom tomorrow.
Your 2026 money glow up isn’t about becoming a millionaire overnight. It’s about building wealth strategically, managing money confidently, and embodying rich girl energy regardless of your current bank balance.
Rich girl energy is available at every income level. It’s a mindset, then it becomes a reality.
👉 Download your free Pinterest to Dream Life Starter Kit — Financial freedom is part of your dream life. Get the complete strategic framework.
👉 Get the Glow Up SOS Kit ($7) — Reprogram your money mindset with affirmations designed for abundance and wealth.
Your money glow up starts with one intentional choice. Make it today.
Xo,
Chelsea Elise