Step-By-Step Guide: How to Plan Your Finances to Fit Your Values

Jan 03, 2023 By Susan Kelly


Planning your finances to fit your values can be simpler than you think. With a few simple steps and dedication, you can create a budget that works for your pocketbook and conscience. Here's how to get started:

1. Identify Your Values

The first step in planning your finances to fit your values is identifying what those values are. Take some time to consider the things that are important to you, such as financial security, charitable giving, environmentally friendly investments, etc. Once you have identified what's truly important, it will be easier to put together a plan that makes sense with these priorities in mind.

2. Set Financial Goals

Once you know your values, it's time to set financial goals. Make sure that these goals align with your values – remember, this plan is about fitting your finances to suit your beliefs. Setting realistic and achievable goals will help you stay on track and focus on what's important so that you don't get sidetracked by frivolous spending.

3. Research Your Options

Once your financial goals have been identified, it's time to research the options available to you regarding investing and saving. Most banks offer a variety of accounts and investments geared towards specific values, such as ethical or green investments. Do your due diligence and determine which type of account or investment best fits your situation.

4. Create a Budget

A budget is an essential part of any financial plan – regardless of whether you're trying to fit it into your values or not. Take some time to examine your income, expenses, and savings. Once you have a better idea of how much money is coming in and going out each month, you can create a realistic budget that considers your needs and wants.

5. Track Your Spending

It's important to keep track of where your money is going so that you stay on top of your finances. Keeping tabs on spending allows you to identify areas where you can make changes if needed and ensure that you are sticking to your budget and meeting your financial goals.

6. Review Your Progress

It's important to review your progress every so often to ensure you're on track with reaching those financial goals. Monitoring your progress will help you stay motivated and be mindful of any changes or adjustments needed to stick to the plan.

Why Plan Your Finances to Fit Your Values?

Having a plan for your finances is not only smart but also necessary. When you plan your finances to fit your values, it helps ensure that the decisions you make are in line with what's important to you. This way, every dollar of income goes towards something meaningful and purposeful rather than just spending without thought.

When planning your finances, first identify what values matter most to you. Do you value financial security or stability? Are family relationships more important? Or do charity and giving back brings the most satisfaction? Knowing these values will help guide budgeting and savings goals to reflect a priority-based approach instead of spending money on impulse purchases or things that don't meet a long-term goal.

Secondly, create a budget. This will provide a financial framework to work within and should include spending and saving goals. It also helps you track how much money is coming in each month relative to what's going out as a way to stay on top of your finances. Additionally, having a budget ensures you have enough income for things that matter the most over time - like retirement savings or college tuition funds.

Finally, once these plans are set in place, it is important to review them regularly and make adjustments where necessary because life changes can occur quickly. For example, if you get a raise or change jobs, this may be the perfect opportunity to revisit the original plan and reevaluate your budget. This can also help you save more money for the things that matter most to you and stay true to your values. You can also create a financial plan that is tailored specifically for you, one that fits both your pocketbook and your values. With some dedication and consistent effort, you can ensure that your finances align with what matters most - setting yourself up for success in the long term!


Planning your finances to fit your values doesn't have to be a daunting task. By taking the time to identify what is important to you, setting realistic financial goals, and researching the different options available, you can create a plan that works for both budgeting and conscience. With consistent tracking of your progress and regular reviews, you'll be on track toward achieving success in the long term. Thanks for reading! This blog post helped you create a financial plan tailored specifically for you. Good luck!

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