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Today’s Blog isn’t just about stacking up cash or saving the extra money; as has been noted is more about being Disciplined, Resilient, Independent, Confident, and having strong Willpower.
It’s about taking control of your finances, managing your hard-earned income, growing personally and financially, maintaining your mental health, as well as planning for the future.
It’s about having choices. It’s about sleeping soundly at night knowing you’re in control of your financial destiny. It’s about having the resources to pursue your dreams, support your loved ones, weather life’s storms, and live life vibrantly, on your terms.
For too long, conversations about money, especially investing and wealth-building, have felt like a “boys’ club.” But times are changing, and more women than ever are stepping up, taking control, and building incredible financial futures. You absolutely can be one of them!
Let’s get into the 15 rules to live by:
1. Know Your Numbers
Firstly, be honest with yourself, analyze your current financial position with regards to your income, expenses, debt, and net worth. This is the most important first step to follow with honesty to figure out and understand your exact state. Undoubtedly, being aware of your finances is the main foundation.
Sit down and figure out:
- How much money do you earn each month?
- Your fixed expenses (rent, bills, etc.).
- Your variable expenses (shopping, dining, etc.).
- Any debt you owe and the interest rates.
- Your net worth (assets – liabilities).
👉 Use apps like Mint, Excel, or Spreadsheets to keep it all organized. This will give you control, clarity, and a clear understanding.
2. Start Investing—Now
The earlier, the better. Even if it’s just $20/month. Start building wealth, not just saving it.
Investing isn’t just for the rich—it’s how people become rich. Even if you can only invest $50/month, it’s worth starting now.
I sincerely recommend you read my How to invest $50/- and earn $500/- blog in my wealth-building Blog post here. It explains step-by-step what steps you need to take without taking any huge risk, it’s a win-win situation as you get to know how to invest and build your wealth too!!
Learn about:
- Index funds (like S&P 500).
- Roth IRAs.
- Employer 401(k) matching.
- Real estate or REITs.
👉 Your goal: grow your money faster than inflation eats it!
3. Diversify Your Income
In today’s fast-paced life, it is absolutely essential that we do not rely on one paycheck. You need to have multiple streams of income to cover your monthly expenses and be able to save up a good portion, which eventually should be invested smartly and wisely. Research and Learn about ways to generate passive income, side hustles, various investments, and selling digital products online are a few options you should consider.
Relying on a single income source can be pretty risky. So it’s always better to have a backup plan. Below are some options you should consider:
- Freelancing or consulting.
- Selling digital products. (Etsy, Wix, Squarespace, etc.)
- Affiliate marketing.
- Starting an online business.
- Passive income streams, like rental income, stocks, or dividends.
👉 Bonus tip: When it comes to blogging, if you love writing about things you are passionate about, you will definitely see results.
4. Build and Protect Your Credit
Good credit means being offered better interest rates and more growth opportunities.
Good credit gives you financial leverage. Keep it strong and healthy by:
- Paying your bills on time (if required, set auto-pay).
- Keeping credit usage under 35-40%.
- Avoiding too many new credit applications.
- Checking your credit report on a half-yearly/yearly basis.
👉 Having and building a good credit score, financial institutions offer competitive & lower rates, better deals, and more options to explore.
5. Budget Like a Boss
Budgeting isn’t about restricting yourself on your spending—moreover, it’s about how well you value money and use it in the right way. In the long run, you will realise how empowering it is and gradually give you a sense of financial freedom. It tells your money where to go instead of wondering where it went.
Few tips you should follow to start your budgeting journey:
- Always ensure you first keep aside your savings, which should be around 20% of your monthly income. Trust me, if you are able to follow this rule regularly, this will be a game-changer in your financial journey.
Imagine you earn a monthly salary of $5000/- and save 20% of it which is $1000/- a month, at the end of 6 months you would have more than a months salary in savings!!
- Use the 50/30/20 rule (Needs/Wants/Savings).
- Build a guilt-free spending habit, which will eventually become a second habit.
- Assign every dollar to a job you wish to carry out, to ensure your money is utilized at the right place.
👉 Budgeting gives you power over your money, not the other way around.
6. Learn to Say “No” Without Explaining
Your time and money are yours. Protect them unapologetically.
Stop overcommitting. Stop spending to impress. Stop stretching yourself thin.
Saying “no” without explaining is not about being unkind or unhelpful; it’s about self-respect, clear communication, and managing your own life effectively.
It signifies that you value your time, money, and energy, and it sets clear boundaries that others will eventually learn to respect. By adopting the right mindset, you can confidently decline requests without getting tangled in justifications, freeing yourself up for the commitments that truly matter to you.
Some common situations where a clear no will help you from unwanted pressure and trouble.
- Say no to upselling by salespersons.
- Say no to unnecessary subscriptions that waste your money.
- Say no to toxic relationships.
- Say no to anything that drains you, financially or emotionally.
👉 Protecting your peace is wealth in action.
7. Upgrade Your Skills
Learning new skills is very beneficial in your financial growth journey. Any new skill you learn helps increase your opportunities in your professional and personal life.
The more valuable you are acquiring new skills, the more you are ready to learn new things, the more chances you have to earn higher and grow financially. Keep learning and stay in demand.
High-income skills open doors to a world of opportunities. Always be ready to learn and acquire new skills and information around you:
- Take courses (Udemy, Coursera).
- Read books, blog posts, and listen to informative podcasts to build a wealth of knowledge and information.
- Network in your field of interest. It’s good to have a social group with like-minded people, such as joining a Zumba class or a social community welfare event, where you can meet new people.
- Ask for feedback and improvise on it.
P.N.: I highly recommend that you look at my post on Top 7 Books You Must Read to Get Rich.
👉 More Skills = More Value = More Money.
8. Set Clear Financial Goals
It’s really essential that you have a goal to work towards, both short-term and long-term goals. Want a house? Want 100K saved? Write it down.
Make a plan on how soon and what measures you will take to achieve these goals. Without a target, you will end up drifting away from your set goal. Define what wealth means to you:
- Save $10K? Own a home? Retire early?
- Break big goals into small, trackable steps.
- Celebrate your progress irrespective of big or small—don’t wait for perfection. Every step forward counts.
👉 A goal without a plan is just a wish. Be more specific and take necessary actions to achieve it!
9. Surround Yourself with Wealth-Minded Women
Your circle influences your thoughts and mind. Choose people who inspire, not drain.
Energy (Positive or Negative) is contagious. If everyone around you is broke, negative, or reckless with money, it’s harder to grow. You may end up sulking and blaming your situation, and it will do you NO good.
Instead, meet like-minded people through means of a hobby you couldn’t learn earlier, join a dance class, take up a short course on investment and meet new people and keep a positive attitude always.
- Join online communities, masterminds, or local groups.
- Follow women who talk wealth, growth, and power moves.
- Let go of draining, drama-filled relationships.
👉 Elevate your social circle, and this will gradually elevate your life too.
10. Heal Your Money Mindset
If you believe money is “bad” or “hard to get,” you’ll subconsciously push it away. Rewire that narrative. If you grew up hearing “money is evil” or “rich people are greedy,” those beliefs stick. It’s time you unlearn them and keep an open mind and a positive approach.
Tips to keep in mind:
- Journal about your money beliefs.
- Practice affirmations like “I deserve wealth” or “Money flows to me easily.”
- Read and Learn from women who’ve built wealth from scratch.
- Stay Positive.
👉 Your mindset determines your money’s worth.
11. Prioritize Your Health
We’ve all heard it: “Health is Wealth,” so to ensure we earn a good amount of wealth in our lifetime, we need to be healthy and fit. Hit the gym 3-4 times a week, if not join a dance class or aerobics, try to achieve 10,000 steps each day, eat healthy, and sleep a good 7-8 hours every day.
A sick body cannot carry wealth. Being rich means nothing if you are too sick or stressed out to enjoy it.
Points to remember:
- Move your body daily (walk, stretch, dance).
- Eat foods that energize you.
- Get enough sleep (7–8 hours).
- Learn to rest without guilt.
👉 Take care of your overall health, don’t neglect it. This will make you unstoppable!!
12. Create an Emergency Fund
An emergency fund will give you peace of mind. Aim for 3–6 months of expenses saved up in your savings account.
Believe me, you feel so much happier and relieved seeing an amount saved up in your account. It is also a moment to be proud of yourself.
An emergency fund is one of the first ways to attain financial freedom. It protects you from:
- Toxic jobs.
- Bad relationships.
- Life’s curveballs.
Start with $1,000 as your saving goal, then aim for 3–6 months of expenses saved in your account.
👉 This fund gives you options. And options are a means of Freedom and Power.
13. Stop Comparing
Social Media is NOT real life. Being influenced by watching videos and Reels of a high-end lifestyle will do you NO good. Run your own race and stay focused on your set goals and keep aiming for better with each goal achieved.
Comparing your life with people will only make you feel low in confidence, create a negative mindset, create questions about your worth, and all the toxicity you really don’t want in your life.
Your life is beautiful, enjoy the rollercoaster ride, and stay steadfast on your goals. You will be proud of yourself, surely!
Comparison will steal away your joy, confidence, and focus. Points to remember:
- Social media is curated. You’re seeing the highlight reel, not the struggle.
- Focus on your growth.
- Your competition is YOU; compete only with the past version of yourself and improvise.
👉 Stay focused and achieve your real-life dreams
14. Treat Yourself—but Don’t Cheat Your Future
Enjoy your money, but don’t let instant gratification steal from your future wealth. This means, spend on yourself because you deserve it, however, within your means and not overspend which would affect your savings plan.
You can enjoy life and plan for the future, too.
- Budget for guilt-free splurges.
- Don’t go into debt for “self-care.”
- Delay short-term wants for long-term wins when needed.
👉 Financial freedom is the best way to glow up.
15. Think Legacy, Not Just Lifestyle
Generational wealth, ownership, and impact. Don’t just aim to live well for today—aim to leave something behind for your loved ones.
Wealth isn’t just what you spend— it’s also what you leave behind.
- Learn about life insurance, wills, and trusts.
- Discuss money with your partner and/or loved one who understands and can offer you useful tips and information.
- Think about what you want to pass on—money, knowledge, mindset.
👉 Build something that lasts beyond your bank account, give it a thought!
💡 Final Word:
Being a RICH girl isn’t about luck—it’s about intention. Master your money, guard your energy, and commit to the version of you that’s already living the life you dream about. She makes moves, not excuses. You don’t need perfection—you need a plan and the discipline to stick with it.
Start where you are. Use what you have. Become that girl—on your terms, for your future.
