6 autumn habits to romanticise money
the perfect season to start feeling financially fluent | fhg #62
Most ambitious women I know aren’t particularly bad with money at all. Some lack specific knowledge, some lack focus.
But most just feel disconnected from it. I remember feeling this 5 years ago.
After a little research, I knew what I should’ve been doing, but it always just felt forced. The rhythm that makes money management feel natural was missing.
And that’s what these 6 autumn habits are for: to help you build a life where money management feels less like pressure and more like an act of self-respect. Like journalling when you don’t want to because you know it’s good for you.
And I’ll be honest, today’s issue was a result of me reviewing my last 5 Autumns to understand what different things I focussed on each year.
I didn’t necessarily do all of these habits at once, or in order, but each of them has played a huge part in my financial confidence today.
Let’s get into it.
1. The Sunday Reset: for your money, not just your meal prep
You might already have some version of a weekly reset, whether it’s for your home or your mind.
Let’s think about adding a financial hour to that ritual. In that hour, you:
Review your week in money: what surprised you? What felt impulsive? What are you proud of?
Name your next task: make this just one thing. A transfer, a subscription cancellation, an investment or an automation.
Set the vibe! Put on a Gilmore Girls playlist. Light a candle. Make it cosy, inviting, and a full on sensory experience.
Making money management sensory and familiar is the antidote to it feeling sterile and invoking anxiety. It forces you to feel less like you’re ‘getting rid’ of an urgent task and more like a part of your wellbeing routine.
Importantly, it removes the shame and guilt.
2. Your Autumn reading list
If you want to talk about money confidently at brunch with your friends, you need language and context. We need to build this like a muscle.
Think about it, if you were learning a new language and wanted to have a conversation to practice — you might prepare a few sentences you know off by heart. It gives you a little confidence and context for the conversation ahead.
We can do the same thing with money.
So let’s swap one podcast or show a week for something that expands your financial vocabulary. Not necessarily to learn jargon, but to learn about stories and ideas that make you think.
My all-time recommendations for books and podcasts:
The Psychology of Money by Morgan Housel
The Simple Path To Wealth by J.L. Collins
Girls That Invest by Simran Kaur
The Big Leap by Gay Hendricks
The Money With Katie podcast (great one for conversations!)
Tip: pick one episode, or one chapter, ahead of time then consume it. Sitting down with a big book or a long list of podcast episodes is daunting and you’re more likely to put it off.
Pro tip? Batch select 4 chapters or podcast episodes for each month in Autumn.
The goal here isn’t to understand everything, we just want the language to start to feel familiar.
3. The rich girl Autumn calendar
Most people plan their social life, but not their financial one. This season, we can focus on building a habit to make your money as visible as your literal brunch dates:
Every month, we’re going to block out:
A payday ritual: reflect, reallocate, reset your budgets and automations
Wealth date: once a month track your net worth, your savings goals and wins, and whatever you’ve learned from reading or listening to podcasts
Play date: yes — a guilt-free “spend day”. Buy something that aligns with your values, in the name of someone that commits to the rituals and learning habits we’ve outlined above.
Over time, this helps you build a system in your life. That’s what gives you confidence.
Building confidence, especially financial confidence, comes from a rhythm you set for yourself through habits and rituals.
Confidence is not built through restrictive, icky rules you place on your spending or saving.
4. The friendship economy
Make it a habit to practise talking about money in low-stakes ways.
Ask your friends how they invest, save, or budget — not to compare, but to de-shame the topic and normalise it.
As a creator, I find this practice so soothing. As soon as I release a thought, or a feeling out into the world through content, I always feel better about any guilt or shame I associate to that topic.
When you bring money into everyday conversation, it loses its weight. It becomes something you share, not hide.
Also, in this day and age, it’s a radical act to normalise financial conversations with women you love. It turns money from something isolating into something communal, and something that bonds you.
Money is so connected to our sense of self and our confidence, it’s okay that it’s an intimate topic, and we should leverage it to deepen our bonds with friends. You’ll be surprised how many of your friends are craving the same transparency.
5. The Autumn Audit
Awareness is your most profitable habit, and you’ll never hear me shut up about this.
Every quarter, ask yourself three questions:
Where did my money go?
What did it give me in return (peace, time, confidence, stress, anxiety)?
What do I want to feel differently next quarter?
I always used to think that financial confidence was the absence of mistakes. Lucky for you, I was intensely wrong. It’s the presence of awareness. This reflection turns your finances into a feedback loop instead of letting shame build in your body.
6. The wealth aesthetic
Finally, romanticise it. Finances will always feel easier when the process actually feels like you.
Here’s how to make a financial habit feel like your lifestyle:
A clean digital setup: Notion, trackers, or your FHG templates.
Thoughtful purchases when you spend: fewer, better, chosen with intention.
Soft, Autumn jazz laylists and matcha while managing your accounts (duh)
You’re way more likely to stay consistent with something you enjoy looking at (and this certainly isn’t unique to money). You can’t bully yourself into financial wellness, financial hotties. You have to fall in love with it.
The Financially Hot bottom line
Don’t give up on yourself or your finances, just because it’s Autumn.
Try one of these habits to create a financial rhythm that feels good and sustainable.
When you do that, money stops feeling like a secret you don’t understand and starts feeling like a language you speak fluently.
That’s what we build inside Earn, Keep, Grow — a system that turns financial literacy into a lifestyle.
Remember, you don’t need a new personality or to know everything to be good with money.
Just like learning a new language, you just need a consistent, habitual rhythm. Start to build it, and the confidence will come.