Looking at your bank account shouldn’t make you feel sick to your stomach. But there I was, heart racing every time I had to check my balance. 47% of adults say money hurts their mental health – and back then, I was definitely one of them.
After my divorce in 2019, I hit rock bottom. Two kids to support, a business to run, and $40K in debt hanging over my head. Opening bills felt like a horror movie. I’d tried all those typical money manifestation tricks – you know, the “I am wealthy” affirmations that feel about as real as claiming you’re a unicorn when you’re eating ramen for dinner.
But then I stumbled onto something that actually worked: specific journaling prompts that made me question everything I believed about money. Not the fluffy “I am rich” stuff. Real, sometimes uncomfortable questions that forced me to look at why I kept pushing money away.
The shift didn’t happen overnight. Some days, writing in my journal felt pointless. But slowly, things started changing. The prompt “What would I do if I knew I couldn’t fail?” led me to pitch to a dream client – and land a $5K contract (yeah, I still can’t believe that one either).
These prompts helped me clear that massive debt and build a business where I can manifest new clients just by asking. Wild, right? Now I’m sharing the exact questions that rewired my money story. They might make you squirm a bit – good! That’s usually where the magic happens.
Ready to transform your relationship with money? Grab your journal, because these prompts changed everything for me, and they might just do the same for you.
Money Mindset Journaling Prompts
Remember how I told you about avoiding my bank statements? That wasn’t just about the numbers – it was about the story I was telling myself about money. Growing up, there was always enough money for trips and experiences, but somehow I never learned how to create that abundance for myself.
Let me share the exact prompts that helped me unpack all that baggage (and trust me, there was a lot).
For uncovering those sneaky money beliefs:
- “What’s your earliest memory about money? How does it make you feel?”
- “Finish this sentence: Rich people are…”
- “What did your parents teach you about money?”
- “What’s your biggest money fear? Where did it come from?”
To heal your money relationship (these might make you cry – they sure did for me):
- “If money was a person, what would you say to it?”
- “What do you need to forgive yourself for financially?”
- “How would you treat money if it was your best friend?”
- “What financial decision still makes you wince? What did it teach you?”
For building that financial confidence (even when your bank account disagrees):
- “What’s the smartest money move you’ve ever made?”
- “How would you handle money if you knew you couldn’t fail?”
- “What would your confident money self do in this situation?”
- “List 3 times you overcame a financial challenge”
Morning and evening check-ins (these transformed my daily money vibe): Morning:
- “What’s one thing I can do today to improve my finances?”
- “How can I show up as my wealthy self today?”
Evening:
- “What money wins did I have today?” (Even finding a quarter counts!)
- “What did I learn about my money habits today?”
Start with just one prompt that calls to you. When I first wrote about my parents’ money habits, I cried for an hour – then signed up for my first investment workshop. Sometimes the hardest prompts lead to the biggest breakthroughs.
Abundance Scripting Prompts
When I started scripting about money, I felt like a total fraud. Here I was, writing about financial freedom while dodging calls from debt collectors. But guess what? Those seemingly silly conversations with my future wealthy self started shifting things in ways I never expected.
Let me share the scripting prompts that turned things around (including the one that helped manifest that $5K client I mentioned):
Future Self Money Chats (these feel weird at first, but stick with it):
- “Dear Future Me, thank you for teaching me how to…”
- “What advice would my wealthy self give me about this financial decision?”
- “How does my future self handle unexpected expenses?”
- “What morning routine has my successful self developed?”
Gratitude Prompts (even when you’re broke – trust me on this):
- “What free resources am I thankful for right now?”
- “Which money skills have I already mastered?”
- “What financial challenges taught me the most?”
- “How is money already working in my favor?” (I started with “I’m grateful I can buy coffee” and worked up from there)
Success Celebrations (write these as if they’ve already happened):
- “I just checked my bank account and saw…”
- “My business brought in X this month, and I celebrated by…”
- “The moment I paid off my last debt, I…”
- “My passive income just reached X, and I feel…”
Dream Life Visualization (get super specific here):
- “My ideal workday looks like…”
- “My dream home feels like…”
- “Money flows to me through…”
- “My investment accounts show…”
Here’s a secret: I wrote about paying off my debt every single day for three months before I landed the client that helped make it happen. The key? Writing with feeling. Don’t just list what you want – really feel what it would be like to have it. Let yourself get excited, even if your current reality looks nothing like your dreams.
Start small. Maybe write about having an extra $100 in your account. Then $1,000. Then more. Your scripting will grow with your belief in what’s possible.
Financial Freedom Journaling Exercises
When I sat in my office in 2019, staring at that $40K debt, “financial freedom” felt like a joke. But these journaling exercises changed everything – not because they magically made money appear, but because they got me taking real action. Even tiny steps count!
Let me share the exercises that turned my money story around:
Goal-Setting Prompts (make them specific – none of that “I want to be rich” stuff):
- “What exact amount of money would help me sleep better at night?”
- “What’s my 90-day money goal? Why this number?”
- “How will my life change when I reach this goal?”
- “What’s my definition of financial freedom?” (Mine started with “paying bills without checking my account first”)
Action Step Questions (this is where the magic happens):
- “What’s one small money move I can make today?”
- “Which skills could I learn to increase my income?”
- “Who do I know that could help me reach my goal?”
- “What’s holding me back from taking the next step?” (Be brutally honest here)
Money Block Detective Work (warning: these might hurt):
- “When did I first feel shame about money?”
- “What’s my biggest money excuse? Is it really true?”
- “Who am I afraid of leaving behind if I succeed?”
- “What story do I keep telling myself about money?” (Mine was “I’m bad with numbers” – total lie!)
Success Tracking (because progress hides in the details):
- “What’s one money win I had this week?”
- “How am I different from 3 months ago?”
- “What new money habit stuck?”
- “Which fear did I prove wrong?”
I still use these exercises whenever I feel stuck. Last month, the “Who could help me?” prompt led to a coffee chat that turned into a collaboration worth $3K. Sometimes the simplest questions lead to the biggest breakthroughs.
Start with the prompt that makes you most uncomfortable – that’s usually where the gold is hiding.
Manifestation Journaling Prompts
Look, when I first tried connecting with “the universe” about money, I felt ridiculous. Here I was, a single mom with mounting debt, writing letters to the cosmos. But after that first $5K client showed up exactly when I needed it most, I couldn’t ignore the weird magic anymore.
Let me share the prompts that turned me from skeptic to believer:
Universe Connection Questions (don’t roll your eyes yet):
- “Dear Universe, what am I not seeing about my finances?”
- “What opportunities am I ready for right now?”
- “How can I be more open to receiving money?”
- “What do I need to release to allow more abundance?” (This one hit hard when I realized I was afraid of success)
Inspired Action Prompts (because manifesting without action is just wishful thinking):
- “What’s my gut telling me to do next?”
- “Which money move feels exciting and scary?”
- “What could I do today that my future wealthy self would thank me for?”
- “If I knew I couldn’t fail, what would I try?” (This prompt led me to pitch my biggest client ever)
Signs and Synchronicity Tracking (the fun part):
- “What numbers keep showing up around money?”
- “Which ‘coincidences’ happened today?”
- “What unexpected money came my way?”
- “Who mentioned something related to my financial goals?”
Belief-Building Exercises (because confidence comes before cash):
- “What’s the smallest financial win I can believe in right now?”
- “Which money belief feels 1% more true today?”
- “What proof do I have that I’m good with money?”
- “How am I already abundant?” (Start small – even having running water counts!)
Remember that day I found $2.17 in my account? I wrote “Thank you for always providing enough” – even though it felt like a lie. Two days later, a forgotten refund hit my account. Small? Yes. But it showed me something was listening.
Pick one prompt that makes you say “yeah right” and try it anyway. The universe has a funny way of proving our doubts wrong.
Wealth Consciousness Prompts
Can I be real? Before my divorce, I thought “wealth consciousness” was just fancy talk for pretending to be rich. But when I hit rock bottom with that $40K debt, I learned something wild – how you think about wealth actually changes how it shows up in your life.
Here are the prompts that shifted my mindset from broke to abundant:
Abundance Mindset Questions (these changed everything):
- “Where is abundance already showing up in my life?”
- “What ways do I receive support for free?”
- “How am I acting wealthy right now?”
- “What would I do differently if I knew abundance was guaranteed?” (This one made me stop taking low-paying clients out of fear)
Money Flow Exercises (because money likes to move):
- “Where am I blocking money from coming in?”
- “How could I let money flow more easily?”
- “What am I willing to receive today?”
- “Where could I be more generous?” (Started with giving time when I couldn’t give money)
Prosperity Practice Prompts (daily habits that attract wealth):
- “How did I honor my future wealth today?”
- “What wealthy choice can I make right now?”
- “How am I investing in myself?”
- “What prosperity habits am I building?” (Mine started with just checking my bank balance without anxiety)
Self-Worth Reflection Questions (the tough but good stuff):
- “What would I charge if I truly valued my work?”
- “How am I worth more than I’m currently receiving?”
- “What limiting story about my worth needs to go?”
- “How can I show up as someone who deserves wealth?”
I wrote “I am worthy of charging premium prices” 55 times one morning. Felt silly. But that afternoon? I quoted my highest price ever to a client – and they said yes without blinking. These prompts work in mysterious ways.
Start with the prompt that makes your stomach tight. That tension? It’s usually pointing to exactly what needs to shift.
Daily Abundance Journal Routine
Want to know what really shifted my money story? Not those big manifesting moments – it was the tiny daily journaling habits. After my divorce, when that $40K debt felt crushing, I started a simple morning and evening practice. At first, it felt pointless. But looking back? Total game-changer.
Here’s my exact routine (the one that helped clear my debt):
Morning Money Mindset Prompts (do these before checking your phone):
- “What’s the first thought I want to think about money today?”
- “How will I show up as my wealthy self?”
- “What financial win am I creating today?”
- “Where will abundance surprise me?” (Sometimes it’s as simple as finding free parking!)
Midday Check-in Questions (these keep you focused):
- “How are my money choices aligning with my goals?”
- “What expense brought me joy today?”
- “Where can I adjust my spending?”
- “What opportunity am I saying yes to?” (I landed that $5K client because I checked in and felt brave)
Evening Gratitude Exercises (even on those tough money days):
- “What’s one way money blessed me today?”
- “Which bill am I thankful to pay?”
- “How did I grow financially today?”
- “What money lesson did I learn?” (Sometimes the hard lessons are the best ones)
Weekly Review Prompts (Sunday nights are perfect for these):
- “What patterns do I notice in my money flow?”
- “Which money beliefs shifted this week?”
- “What’s my biggest financial win?”
- “Where do I want to focus next week?”
Start small – maybe just morning and evening prompts. I used to write in my journal while having coffee, before my kids woke up. That quiet time? Pure gold for setting my money mindset.
Remember: consistency beats perfection. Some days you’ll write pages, others just a sentence. Both count.
Conclusion
Trust me, when I first started journaling about money, it felt like screaming into the void. Here I was, writing about abundance while drowning in debt, feeling like a total fraud. But that one little prompt about being worthy of wealth? It changed everything.
Start small. Pick just one prompt that makes your heart beat a little faster – you know, the one that makes you think “yeah right” but also “what if?” Maybe it’s asking yourself what you’d do if you knew you couldn’t fail. Or writing down one tiny thing you’re grateful for about money, even if it’s just having enough for coffee.
Give yourself 5 minutes each day. That’s it. No pressure to write pages or solve all your money problems at once. Some days you’ll stare at the blank page. Other days, the words will flow like crazy. Both are perfect.
Here’s what I know for sure: Five years ago, I couldn’t have imagined being where I am now. That first journal entry about believing in abundance? It felt like a lie. But your future wealthy self is waiting on the other side of these prompts, just like mine was.
The hardest part is starting. So pick up that pen. Open that notebook. Write one sentence about money that feels just a tiny bit possible. Your future self – the one who checks their bank account without anxiety, who helps others create abundance, who knows their worth – that version of you will look back at today and be so grateful you began.
You’ve got this. And remember, sometimes the smallest prompts lead to the biggest breakthroughs.
