Align Your Money With Your Life: Two Habits to Revisit Every Year
Part of an ongoing series: simple rhythms, lasting change.
This is the final post in my multi-part series on simple money habits that help you build a sustainable, values-based financial life — no spreadsheets, shame spirals, or overwhelming systems required.
If you missed the last post, you can catch up here.
It covered two quarterly habits that help you remove money blocks.
We’ve explored daily shifts that build momentum, weekly rhythms that bring calm, monthly habits that add structure, and quarterly practices that help you recalibrate.
Today, we zoom all the way out to look at the annual habits — the ones that ground your financial life in meaning and make sure it reflects who you are and where you want to go.
These aren’t about budgets or numbers — they’re about alignment and agency. Because when your money supports your values, and you know you’re on the right path, everything feels clearer and more intentional.
1. Review your core values: reconnect with what really matters
Your values are the beliefs that matter most to you — the things that bring purpose, fulfillment, and clarity in the choices you make. When your money decisions reflect those values, trade-offs feel less painful and more purposeful — and spending won’t be laced with guilt.
Here’s an example: Let’s say one of your values is connection and community. You work from home, but meet once a week at a local coffee shop with a friend. You’re not just “spending money on lattes” — you’re honoring a core value. You’re investing in connection.
Your values can shift over time. What mattered five years ago may not be what matters now. That’s why it’s helpful to revisit them once a year — especially if your life circumstances have changed.
Try this:
Ask yourself:
What are the top 3 core values guiding me right now?
Have they shifted from last year?
Are my spending and saving decisions reflecting those values — or fighting them?
You don’t need to overhaul everything. Even one small adjustment — like canceling a subscription you no longer use or saying no to something you “should” want, and redirecting that money toward something that lights you up because it does reflect a core value — can create a sense of forward motion and deeper fulfillment.
If you’ve never explored your core values before, we walk through that process inside Money Mastery. It’s one of the most powerful parts of the program.
2. Get professional support: check in and update your strategy
Think of your finances like a garden — every so often, it needs a little tending. Big life events (marriage, divorce, career changes, inheritances, a home sale) can all change what “aligned” looks like for you.
That’s where a financial coach comes in.
Once a year, it’s worth checking in with someone who can look at the full picture — your goals, income, habits, and mindset — and help you make sure they’re working in harmony.
Different from a financial advisor — who typically focuses on your investments and long-term portfolio strategy — a financial coach works with the day-to-day side of money. A finacial coach helps you understand where your money’s going, develop healthier habits, and use your income in a way that supports a more intentional, fulfilling life.
You don’t have to figure it out alone.
A good financial coach helps you untangle your finances, clarify your next steps, and align your money with your life. It’s not about perfection — it’s about making progress in a way that feels personal and doable. And having someone to cheer you on, guide you, and offer valuable insights can make all the difference.
Wrap Up
When you build in a pause to reflect on your values and recalibrate with a trusted guide, your financial life becomes less reactive and more rooted in what really matters.
It’s a quiet kind of confidence — the kind that grows over time and stays with you no matter what changes come your way.
Thanks for following along in this series. I hope each post gave you a small, steady nudge toward more peace, clarity, and confidence with your money.
If you want support making these habits your own, I’d love to help.
👉 Book a free call and let’s talk about how 1:1 coaching could bring more ease, alignment, and traction to your financial life.
You deserve that.