A Private & Sacred Space for You
Welcome, beautiful. This worksheet is a safe and sacred space for you to gently explore your personal money story. There are no right or wrong answers, only your truth. Approach this with curiosity and grace. The goal is awareness, not judgment. Let’s begin.
Part 1: Your First Money Memories
Our earliest experiences with money often leave the deepest imprint. Let’s go back.
1. What is your very first memory of money? (e.g., receiving an allowance, finding a coin, watching your parents pay for something). Describe it in as much detail as you can. What did you see, hear, and feel?
2. What was the first thing you ever bought with your own money? How did it feel to make that purchase?
3. Think of a significant positive memory related to money from your childhood. What happened? Who was involved? What emotions does this memory bring up?
4. Now, think of a significant negative or stressful memory related to money from your childhood. What happened? Who was involved? What emotions does this memory bring up?
Part 2: The Messages You Received
The things we hear (and don’t hear) from our family and culture shape our beliefs.
1. What was the general feeling around money in your home growing up? (e.g., stressful, joyful, secret, abundant, scarce, a non-issue)
2. Complete these sentences with the first thought that comes to mind:
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My mother/female guardian taught me that money is…
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My father/male guardian taught me that money is…
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In our family, we believed that rich people were…
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The most common phrase I heard about money was…
3. What did your faith or spiritual community teach you about wealth and poverty? Were the messages conflicting?
Part 3: Your Current Money Habits & Feelings
Let’s connect the past to the present. How does your story show up today?
1. When you think about your bank account right now, what is the primary emotion you feel? (e.g., anxiety, peace, shame, pride, avoidance)
2. How do you typically behave when you receive an unexpected sum of money? (e.g., save it all, spend it immediately, feel guilty)
3. What is your biggest fear when it comes to money?
4. What is your most empowering belief about money?
Part 4: Auditing Your Story
Now, let’s bring it all together. Read through your answers above and identify the core themes.
1. Based on your reflections, what are 1-3 core beliefs that have been running your money story? (e.g., “Money is hard to come by,” “I don’t deserve to have a lot of money,” “Money is a tool for good,” “You have to be greedy to be rich.”)
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Belief 1:
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Belief 2:
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Belief 3:
2. How have these beliefs served you or protected you in the past?
3. How are these beliefs limiting you or holding you back today?
A Prayer of Release & Gratitude
Thank you for the courage to look at your story. This is the first, brave step toward healing. Take a moment to thank yourself for this time. You are seen, you are known, and you are on your way to a new chapter.