How to Build Confidence With Money: 6 Tips for Women Ready to Take Control

Let’s get real: money isn’t just numbers in your bank account- it’s power, freedom, and peace of mind. But if you've ever felt anxious opening your banking app, dodged budgeting like a bad date, or whispered “I'm just not good with money,” you're not alone.

The good news? Confidence with money is a skill, not a personality trait. And just like building muscle at the gym or growing your business from scratch, financial confidence can be built one empowered step at a time.

Here’s how to ditch the self-doubt and finally build real confidence with money with 6 simple tips.

1. Shift Your Money Mindset

If you're carrying around old stories like:

• “I’m bad with money.”

• “Talking about money is selfish.”

• “I’ll never make enough to feel secure.”

It's time to kick those beliefs to the curb.

Your money mindset is the foundation of your financial confidence. Start by flipping those scripts. Try these affirmations:

• “I am learning to manage my money with confidence.”

• “I deserve financial freedom.”

• “I can be both wealthy and generous.”

Remember: your bank balance today doesn't define your financial future

2. Start With a Simple Budget (Yes, Really)

Budgeting for beginners doesn’t have to mean spreadsheets and sacrifice. Think of a budget as a tool for clarity, not restriction. Use apps like You Need a Budget or EveryDollar to track spending or start with a simple formula:

50/30/20 Rule

• 50% needs

• 30% wants

• 20% savings & debt

When you know where your money’s going, you stop wondering and start deciding. If you're not into apps, check out our She Knows Her Numbers Financial Toolkit to track your budget.

3. Educate Yourself Without the Overwhelm

Google “how to be good with money” and you’ll get millions of results. Skip the noise and start with bite-sized, action-based education:

• Podcasts like HerMoney or The Clever Girls Know

• Books like You Are a Badass at Making Money or I Will Teach You to Be Rich

• EmpowerHer eBooks and planners (shameless plug—and totally worth it 😉) - She Knows Her Numbers goes in depth and beyond these 6 steps with stories from the founder and tolls she uses!

Knowledge breeds confidence. The more you understand, the less intimidated you’ll feel.

4. Set Small, Empowering Money Goals

Big dreams start with small wins. Instead of “get out of debt” or “become rich,” try:

• “Save $100 this month.”

• “Check my account twice a week.”

• “Start a side hustle and make my first $500.”

Each win builds financial self-trust—the secret sauce to confidence.

5. Talk About Money (Out Loud!)

Normalize the conversation. Text a friend: “Hey, want to start a budget challenge?” Join a local women’s finance group. Or attend EmpowerHer’s Money Clarity Sessions and community events.

The more we talk about money, the less shame and silence we attach to it.

6. Forgive Past Mistakes and Keep Going

Been in debt? Made impulse purchases? Ignored your bills? You're human.

Confidence doesn’t mean perfection. It means choosing progress over guilt. Learn from your past, don’t live in it.

Final Thoughts: You’re the CEO of Your Money

You don’t need a finance degree to feel empowered with your money. What you need is consistency, curiosity, and the belief that you can—and deserve to—feel confident.

So take the first step. Open your accounts. Write down your goals. Say your money affirmations out loud. And know this:

Your financial confidence is already inside you—EmpowerHer is just here to help you unlock it.

💬 Want help building your money plan?

Grab the Money Clarity Bundle today - a powerful bundle of the She Knows Her Numbers eBook, toolkit, and a 1:1 hour money clarity session with our founder! Let’s get your wallet (and mindset) working for you.