21 Habits Of Women Who Always Have Money

Do you want to know which habits to build so that you become someone who always has money? Here are 21 habits of women who always have money and are never broke!

If you want to take from financially successful women, the best way to do that is by adopting their habits. 

We all have that one friend that always has her shit together. She knows how much she is spending, is not waiting on her salary so that she can finally go out to eat again, and knows more than most about investing. 

21 Habits Of Women Who Always Have Money

This is the result of great habits. 

The good thing about that is, you can become that one friend!

Check out how they act and adopt those habits of women who always have money to become financially successful too!

Habits Of Women Who Are Never Broke


1. She Saves Like A Millionaire

Women who always have money know how important it is to save. A great rule of thumb is to spend 50% on your essentials, 30% on others, and 20% on savings – also known as the 50/30/20 rule

If you’re at a place where you can save more and spend less, go for it!

If you have a hard time-saving money, here are some more resources:

2. She Diversifies Her Income

When you’re focusing on getting more income, it’s important not to put all your eggs in one basket and diversify your income. 

When one source of income is not going as planned, that means that you have other sources of income that you can fall back on.

Sources of income can include:

  • Dividend investments – where you receive monthly or quarterly dividends for your investments in the stock market. I’m a huge fan of low-cost index funds.
  • Passive Income – where you receive money regularly without doing any active labor. This is like making money while you sleep – who doesn’t want that?
  • Peer-to-Peer lending – one version of passive income is peer-to-peer lending, where you lend money to individuals or companies, and you get paid monthly interest for that. This is one of my major sources of passive income at the moment!
  • Real estate crowdlending – when you participate in real estate crowdlending, you basically own part of a real estate property. Here are the 9 platforms that I personally would recommend when you want to try it out. 
  • Rental property – this can be long term or short term rental (like Airbnb). 
  • Selling items from your home – anything that has value and you don’t need anymore. Here are some ideas

There are many ways of diversifying your income and getting multiple streams of income coming your way. I love having multiple streams of income. 

I currently have my 9-5 job, dividend investments, peer-to-peer lending, real estate crowdlending, and occasionally selling some things from my home. 

3. She Tracks Her Income & Expenses

Tracking your income and expenses will give you so much insight into what your behavior around money is. 

Where are you spending the most? 

What money is coming in?

If you catch yourself spending more and more money and inflating your lifestyle, you can change your behavior if necessary (and desirable).  

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4. She Knows The Importance Of A Budget

A budget is crucial if you are beginning to get insights into your spending. Try to start by creating a budget for your personal situation and adjusting it monthly as you find out where you spend the money coming in. 

Starting a budget can be hard, but there are several reasons why it is important to have one

The most important thing is that you can use your budget to reach the financial goals you have set for yourself. Whether you want to pay off debt, start investing, or start building up passive income. 

Setting up a budget can help you do all of that. 

With a budget, you will feel like you always have money. This was a huge game-changer for me. 


Because you spend aligned with your values. 

You spend on the things you love and cut on the things you don’t care about. Win-win!

5. She Can Wait Before Buying

It can be hard to avoid buying things right when you see them. When you have the money in your bank account, this can be hard to resist for many. 

When you want to buy something, the rule of thumb is to wait two weeks. If you still want it, you can get it. 

You will often find yourself being perfectly fine without the item and even forgetting that you wanted it in the first place. I speak from experience. 

6. She Knows What She Values

Women who are smart about money know what they value. She knows that there are some things that she loves spending money on, and she absolutely has no problem spending money on that. 

On the other side, she knows what she doesn’t value, and she doesn’t shy away from cutting back on that. 

A personal example? Sure. 

I love traveling, and I will take 4 months off work to travel the work in my recent mini-retirement. On the other hand, I will not go out to eat more than twice per month, and I don’t care about the latest technology. 

If you value getting your hair done, taking that dream holiday, or taking good care of yourself – go for it! Spend aligned with your values, and you will get there!

21 Habits Of Women Who Always Have Money
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7. She Knows When To Say No

Another habit of women who always have money is to know when to say no.

Saying no is just as important as saying yes. As a wise friend once told me, if you say yes to others, you are saying no to yourself.

You have to know what you want and act accordingly.

There will be some things that you want to say yes to because of the person asking. It can be hard to say no to friends, but it has to be done. Here are three guidelines for saying no to friends when you are having a hard time with that.

Say YES to yourself. Create a life you don’t need to escape from. Sip coconuts on the beach, be present with your family, travel the world.

Know what ideal life looks like and start working towards that. It will become obvious what you want to say YES to and what you need to say no to.

8. She Knows How To Deal With Her Debt

For many of us, it is impossible to start our post-college life debt-free. This is nothing to worry about; all you need is knowing how you want to deal with your debt. 

Start paying off your highest interest debt first, and move on to the next big interest rate. Or, if you like, you can start by paying off the smallest amount of debt and move on from there. 

Whatever way to choose to deal with your debt, make sure you know how much you are paying monthly. 

Another great way to attack your debt is to pay bi-weekly instead of money – if your budget allows that, of course.

If you pay off your debt faster, you will notice that you will free up money to use for other things. Like investing!

9. She Knows What She Is Worth

The one side of the equation is to save money, and the other side is to make money. Financially successful women bring in as much money as they can. 

It is important to stand up for yourself and ask for what you are worth

Many women find it hard to ask for these kinds of things. Please do! If you don’t ask for it, the answer will be no for sure. 

I want you to become the boss babe that you have always been and stand in your power!

Asking for what you are worth means that you can increase the gap between their expenses and their earnings so that they can save even more. 

10. She Sets Financial Goals & Works Towards Them

When you want to pick up your financial habits, you should set goals towards them. Whether you are setting up new years resolutions or setting short-term goals, having a plan is super important. 

If you have a hard time setting goals, ask yourself this:

  • What does my ideal day look like?

From there on, you can dream about what you want to achieve in life. Set goals based on that, and you will work towards your dream life and design the life you love. 

One tip: do set a timeframe for your goals. When you have a plan and a timeframe attached to it, you will reach your goals easier. 


11. She Prioritizes Her Tasks

When you have set your goals and are working towards them, it is easy to get overwhelmed. To avoid overwhelm, list out the tasks you want to be doing the next day. 

Instead of writing down 30 things that you want to do that day, focus on 3 things that will move the needle for you. 

This will make sure that you spend time with the most impact, and you will reach your goals faster. 

12. She Gets Up Early

You know that saying: win the morning, win the day. It would help if you lived by that. 

Put in the work and reap the fruits of your labor later. Get up early and create that amazing morning routine so that you start your day in the best way. Meditate, start a gratitude journal, and write down the top three things you want to get done that day. 

When you get up early and have this kind of focus, you will make time to work on yourself and any goals you want to achieve!

That is how I started this blog. Getting up at 6 am to work on my blog before I got to work. I still do it, and it makes a huge difference for me personally. 

13. She Can Motivate Herself

There are times when you can’t reach your financial goals, and you still keep yourself motivated despite that.

Get positive towards yourself. Be kind to yourself and be kind to others. Motivate yourself every day by reading some motivational quotes or telling yourself daily affirmations. 

goal setting

14. She Has A Positive Money Mindset

A positive money mindset is essential. It is all about your relationship with money, and you are responding to money. 

When I started working on my money mindset, I saw a huge boost in my income and confidence. I shifted away from my beliefs that money brings out the worst in people, and I never had enough. 

I lifted my negative money mindset and started to believe that money brings out the best in people and that it is okay to want more money. Money is just energy, and if you spend money, it will come back to you. 

That caused a huge shift in my life!

Make some time to repeat affirmations daily to attract wealth and money into your life or read a book about the Law of Attraction to learn about manifestation.

15. She Is Financially Educated

When you want to excel at something, education is crucial. You get a basic education on any topic by googling and doing some research yourself. Taking a course on it could be a great alternative as well. 

It does not have to be a big thing, something as simple as freeing up 15 minutes a day to learn something new can be enough. 

Either way, they know what needs to be done with their money to save and invest. 

21 Habits Of Women Who Always Have Money
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16. She Has An Emergency Fund

If you want to be one of the women who always have money, you must have an emergency fund. There will be times where you need a rainy day fund. 

Even when it is not needed, it will give you huge financial peace knowing that you will cover unexpected expenses when they arise. 

There have been many times where I had unexpected bills, like car repairs or medical costs. When you have an emergency fund, you can cover that without going into extra debt. 

How do you keep your emergency fund up and running?

Every time you get a bonus, birthday money, or something extra – put it towards your emergency fund. 

17. She Invests Her Money

Know how to invest your money, and you will be fine!

I know the stock market can be scary for some. Get over your fear of the stock market and start investing right now!

Many think that you need to be rich to invest in the stock market, far from true. I started investing when I earned a $26,000 salary, and I am doing perfectly fine. 

It’s a mental thing. Once you have decided that you will start to invest and you will start building up your assets, you are all set, baby!

If you have no idea where to start, check out this guide for investing your first dollar

18. She Knows Her Net Worth

Your net worth is basically all your assets minus all your liabilities. Assets are things you own, like your savings account and your investment accounts. Liabilities are things you owe, like your student loan debt, mortgage, or credit card debt. 

It is a great idea to calculate your net worth and know where you stand financially. 

Your net worth is a great financial snapshot to know where you are at this moment.

HOWEVER, your net worth is not everything. I had a negative net worth for many years, and that’s totally fine. Your net worth is not your self-worth!

19. She Has A Side Hustle

Whether you have a 9-5 job or have your own business, there is always room for a side hustle. 

There are a million ideas for successful side hustles. Think about the hobbies you have, the passions you want to teach others about, or put some time in something totally different like walking dogs or delivering meals. 

Do what you love for your side hustle. 

I love writing, and so I started a blog. It wasn’t meant to be a side hustle, but occasionally I make a couple of hundred dollars from it. 

Why not take something you enjoy and make it your side hustle?

I would personally highly recommend it!

21 Habits Of Women Who Are Never Broke

20. She Always Gives Back

If you are giving to others, it will come to you. That is truly what I believe. 

This can be in the form of acts of kindness, volunteering, or giving money.

Money is only energy. When you give energy out to others, you will receive it back. 

It is a great habit to practice. 

Whether you tip generously, give money to charity, or take your friend somewhere for her birthday. The money you spend will come back to your twofold. 

21. She Saves For Retirement

Saving for retirement is extremely important, especially for women. Women live longer, they are more likely to need to provide for others, and then there is the gender pay gap where women earn $0.80 for every $1 a man earns (ask for your raise, my fellow women, together we can close this!). 

Women need more retirement savings!

The sooner you will start saving for retirement, the happier you will be when that time comes. Let’s get the pre-tax benefits party started!

Monitoring that retirement money is extremely important. The closer you get to retirement, the less risk you want to take. That means that over time, you want to switch to more bonds and fewer stocks. 

Make reviewing your retirement accounts as part of your monthly financial routine and know your finances’ current status. You deserve to know!

If you are curious about working towards financial independence and early retirement, check out this ultimate guide for all the ins and outs!

What are your financial habits? 

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21 Habits Of Women Who Are Never Broke


4 thoughts on “21 Habits Of Women Who Always Have Money”

    • Hi Jana, thanks for stopping by! I personally track my income and expenses on a simple Google sheet – I can send it to you if you’re interested? If you don’t mind paying a small amount (€6 per month), I would recommend YNAB. They have a free 30-day trial!


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