That Girl Energy: Building Financial Confidence from Scratch

Written By Fannie Mukua

Redefining the glow-up through aligned money habits, soulful self-worth, and intentional action.

✨ What “That Girl” Really Means (Beyond the Green Juice)

Let’s be honest. We’ve all seen that girl—the Pinterest-perfect morning routines, the 5AM workouts, the oat milk lattes in hand as she effortlessly glides through life in matching sets and good vibes. But if we’re going to keep it real? That version of “that girl” often feels more curated than authentic.

When I decided to become that girl, I wasn’t chasing an aesthetic. I was craving alignment. I wanted to feel proud of the woman I saw in the mirror—not because she had flawless skin or a color-coded planner, but because she had peace of mind, clarity with her money, and an unshakable sense of self-worth.

This blog is about reclaiming that girl energy—not through perfection, but through financial confidence, mindset rewiring, and daily habits that reflect your higher self.

Because that girl isn’t rich because she manifested money overnight.

She’s rich in discipline, clarity, and conviction.

She’s rich in emotional regulation and budget spreadsheets.

Let’s build that kind of wealth.


💸 From Overwhelm to Ownership: My Financial Rebirth

When I started over—with two kids, no savings, and my ego in the backseat—I knew something had to change. I wasn’t just broke; I was disempowered. I believed I’d never “get ahead” because I didn’t have the right income, degree, or background.

But financial confidence isn’t something you inherit—it’s something you build. Slowly. Intentionally. Layer by layer.

And like many women, my money wounds weren’t just about numbers. They were emotional. Rooted in scarcity, self-doubt, and survival mode. Learning to feel safe with money—earning it, spending it, managing it—was the real transformation.


🧠 Rewire Your Financial Identity

Your financial transformation starts in your nervous system and your subconscious mind.

According to Dr. Joe Dispenza, 95% of your decisions are made from your subconscious. If you’ve always seen yourself as “bad with money” or “the broke one,” those beliefs will run the show until you intentionally rewrite the script.

Here’s where the shift starts:

• Identify your money story. What did you grow up believing about wealth, worthiness, and success?

• Practice new thoughts. Try: “I’m learning to manage money with clarity and ease.” or “It’s safe for me to hold and grow wealth.”

• Regulate your nervous system. If checking your bank account triggers anxiety, start small. Breathe. Create a ritual around money that feels safe and sacred.

Affirmation: My past doesn’t define my wealth. I am allowed to create new patterns.


✍️ Use Budgeting as a Self-Love Ritual

Let’s be real—budgeting isn’t exactly sexy… until it is.

Until it gives you:

• The power to say “yes” to what matters.

• The clarity to release guilt when you spend.

• The confidence to make decisions rooted in self-worth, not survival.

The key is to stop treating your budget like a punishment and start treating it like a permission slip.

With tools like the Wealth Flow Budget Planner, I turned my chaotic finances into a living, breathing guide to the life I was building. I stopped asking “what can I afford?” and started asking “what am I choosing to invest in?”

Try this:

Set aside one day a week for your “money date.” Light a candle. Play a playlist. Open your planner. Review your spending with curiosity, not shame. Adjust goals with joy, not dread.


📊 Let’s Talk Numbers (And Why They Matter)

If financial confidence is the vibe, then knowledge is the glow-up.

Here are some eye-opening stats every woman should know:

• 72% of women feel overwhelmed by financial planning. Yet, those who create a written budget are 33% more likely to feel confident about their money. [Source: Fidelity + NFCC]

• Women are more likely to carry debt, especially student loan and medical debt. [CNBC, 2023]

• Only 16% of women say they feel “very confident” in investing. But confidence grows with education. [Ellevest]

This isn’t about fear—it’s about awareness. Because you can’t heal what you won’t look at. The more you learn, the more empowered you become.

Resources to explore:

• Your Money or Your Life by Vicki Robin

• Clever Girl Finance blog & book series

• Her First $100K podcast

• Budgeting YouTube channels & Pinterest financial planners (ahem—like mine!)

💕 Connect Money to Your Self-Worth

Financial confidence isn’t just about paying off debt or saving $10K (although those are incredible goals). It’s about feeling emotionally safe and proud of how you move with money.

And that safety comes from treating yourself like someone who is deeply worthy—of rest, ease, pleasure, and financial peace.

Here’s how to align your spending with your self-worth:

• Set financial goals that reflect your values, not societal pressure.

• Release guilt around rest or joy—those are not luxuries, they’re necessities.

• Use a budget to create space for what lights you up (travel, hobbies, beauty days).

Reminder: You’re not “bad with money.” You’ve just never been taught to build a system that honors your real life.


🌿 Create a “That Girl” Routine Rooted in Peace

Here’s what a real that girl routine looks like—no 5AM alarm required:

• Morning mantra: “Today, I make choices that align with the woman I’m becoming.”

• Money check-in: Review yesterday’s spending. Celebrate alignment. Adjust with grace.

• Budget review (weekly): Track goals, celebrate progress, tweak categories.

• Vision journaling: Script the life you’re building as if it’s already yours.

• Wealth media: Spend 10 mins a day listening to a podcast, reading a blog post, or watching a video that supports your wealth journey.

These micro-habits create macro-shifts.


🔁 Reroute Shame into Strategy

If you’ve ever:

• Avoided looking at your account because of fear…

• Spent emotionally and felt ashamed after…

• Felt behind because you’re not where others are…

I see you.

But shame is not a strategy. Let’s reframe mistakes as data. Overspent? Okay—what triggered it? Under-saved? Let’s make it automatic next month. This isn’t about perfection—it’s about pattern recognition and gentle course correction.

Try this reframe:

Instead of “I messed up,” try “I’m gathering information to make wiser choices.”


🌟 Financial Glow-Up Starter Pack

If you’re ready to step into that girl energy for real, here’s your starter pack:

• A vision that excites you (script it daily)

• A budget that reflects your values (grab your Wealth Flow Budget Planner)

• A mindset rooted in self-worth (affirm + rewire daily)

• A savings habit (automate, automate, automate)

• A community that mirrors your growth (hello, Sovereign Ambition!)

💡 Explore More

“I Am That I Am” - I am the woman who owns her choices. I am worthy of clarity, confidence, and ease. I am becoming wealth in motion.

Fannie Mukua
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