02.07.2025 By Amy Miller, AFC®

Financial Wellness Is Self-Care

When we think of Valentine’s Day, we often think of love, connection, and appreciation for the people who mean the most to us. But love isn’t just about flowers, chocolates, and cards—it’s also about showing care for yourself and the ones you love by creating a foundation of financial wellness.

 

Did you know that financial health is deeply tied to emotional and mental well-being? Money stress is one of the leading causes of anxiety in relationships and individuals alike. This February, we’re encouraging you to focus on a different kind of love: the love that comes with taking care of your finances and the peace of mind it can bring.

Why Financial Wellness Matters for Mental and Emotional Health

Financial stability reduces stress and increases confidence. Knowing you’re on track with your savings, spending, and financial goals gives you the clarity and calm to focus on what truly matters—like spending quality time with loved ones. On the other hand, unmanaged financial stress can impact your mental health, your relationships, and your overall quality of life.

When you prioritize financial wellness, you’re investing in:

  • Emotional Health: Having a financial plan reduces the constant worry about money, which can help you feel more in control and less overwhelmed.
  • Mental Clarity: Being organized with your finances can free up mental space, allowing you to focus on other priorities and goals.
  • Relationship Harmony: Open and honest conversations about money with your partner or family can strengthen trust and alignment, reducing money-related tension.

Start with a Financial Check-In

This month, celebrate your relationships by taking time to do a financial check-in with yourself and your loved ones. Here’s how you can make it meaningful and productive:

  1. Talk About Goals Together: Whether it’s saving for a vacation, paying down debt, or building an emergency fund, share your financial goals with your partner or family. Working toward shared goals brings you closer and builds trust.
  2. Review Your Plan: Look over your spending and savings plan together. Identify areas where you can cut back or save more to align with your priorities.
  3. Check Your Progress: If you’ve set savings goals in the past, see how far you’ve come. Celebrate your progress, no matter how small, and use it as motivation to keep going.
  4. Plan for the Future: Use this time to discuss upcoming expenses, like a summer trip or a big purchase, and how you can plan ahead to avoid stress or debt.
  5. Pledge to Save Together: If you haven’t already, take the America Saves Pledge as a couple or family. It’s a great way to commit to saving and receive helpful resources and tips tailored to your goals.

Self-Love Through Financial Wellness

If you’re flying solo this Valentine’s Day, remember that financial wellness is an incredible act of self-love. Take some time to review your own finances, set goals, and treat yourself by creating a plan that builds financial confidence and peace of mind.

Small Steps Lead to BIG Results

At America Saves, we believe that small, consistent steps are the key to long-term financial success. This month, take a moment to show yourself and your loved ones some love by committing to financial wellness.

Start by having those important conversations, getting a clear view of your finances, and taking the America Saves Pledge. Financial wellness isn’t just about money—it’s about creating a life filled with stability, peace, and happiness for you and the people you care about most.

Let’s make February a month of love and financial empowerment!

________________________

Tell us how you’re practicing “self-love” this month and working on your financial wellness! Share your tips, tools & secrets with us here – we’ll send you $50 if we use your submission. Got questions?  Submit those too! We’ll get you answers from our network of experts.

CHECK OUT OTHER SAVINGS JOURNEYS FROM SAVERS JUST LIKE YOU

SHARE YOUR SAVINGS TIP OR STORY WITH US

If we feature you in our newsletter, you get $50.

You May Also Be Interested In...

Take the America Saves Pledge

Make a pledge to yourself and create a simple savings plan that works.

Connect to a Campaign

Connect with a local America Saves campaign for one-on-one help and to learn more about savings initiatives and events in your area.

Sign-up for ASAW

America Save at Work is a hub of information and resources to help employers promote financial wellness for their employees.

Partner News & Updates

Join the America Saves email list to receive information about engaging content and events throughout the year.