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  • Emily Friday

Feeling Unmotivated? Here are 5 Ways To Get Your Money Motivation Back

We all lose motivation and momentum on our goals from time to time.

Whether it's a new workout routine you swore you'd stick to come January, or you're having trouble staying motivated sticking to your new budget or savings goal, it happens to the best of us.

So, how do we get ourselves out of it?

Picking ourselves up out of a no-motivation slump isn't easy - but it is possible!

In this week's blog, we're sharing some tips on what to do when you find yourself losing motivation on your financial journey, so that you can get back on track to smashing your money goals in 2024.

Remind Yourself Of Your 'Why'

Sometimes, to move forward, we have to take a step back and reflect.

To do this, go back to your why and take a moment to remind yourself of all the reasons you're attempting to improve your finances in the first place.

Why have you decided to get your finances into shape? What's your long-term goal? Was there a particular situation or lightbulb moment that encouraged you to take control of your money and change your habits for the better?

Whatever it is, remind yourself of your "why" frequently - especially when you're experiencing a lack of motivation. Try using a vision board, repeat affirmations, or add check-ins to your calendar to inspire yourself.

Celebrate Your Progress So Far

When we're experiencing low motivation in our daily lives, it's all too easy to focus only on the negatives and forget all of the amazing progress we've made so far towards our goals on our financial journey.

To combat this, take the time to look back and appreciate your progress and achievements so far. Imagine where you could be a month or year from now if you keep going. Keep the big picture in mind and remember - you've got this!

Adjust Your Budget

If one budgeting method isn't working out for you, don't give up! You may just need to switch up your budget system and find a new approach to budgeting that works for you.

There are plenty of different methods and approaches to budgeting out there, as well as methods for paying back debt if that's a big source of your money stress. Keep trying until you find a budgeting method that fits - above all else, it should be personal to you and your circumstances. Check out our blog post for 3 Useful Budgeting Methods you can try if you need some inspiration. And don't forget to allow for some treats and self-care in your budget - the journey has to be enjoyable if we want to keep ourselves motivated!

You may also need to adjust your mindset - a positive money mindset is key to making lasting change, and your current mindset could be also contributing to your bad money habits.

Reach Out to Others

If you're feeling unmotivated, chances are you're also feeling isolated (or have isolated yourself as a result of the way you're feeling).

Although it can feel daunting - especially when money is the topic of discussion - reaching out to friends and family or online communities for support can instantly boost your spirits and remind us that we're not alone in our struggles.

Better yet, find yourself an accountability buddy to keep you motivated. This can be a friend, family member, or perhaps even somebody from online. There are tons of financial communities out there that you can join, whether it be on Reddit, Instagram, or Clever Girl Finance.

Having a support system in place will not only help you stay on track with your goals, but you may also learn a thing or two from people who were once in your position!

Let Go of Perfection

A big part of coming to terms with your money journey and making the necessary changes to improve your financial situation involves being realistic about where you're currently at.

Remind yourself that it's okay to budget for fun and leisure, and allocate a 'Fun Fund' in your next budget if being restrictive has backfired. Most importantly, let go of perfection and don't beat yourself up for making mistakes along the way. This is how we learn!


For many of us, financial freedom is the ultimate goal when it comes to the reason why we want to improve our money habits.

With the ImageNPay app, you can take extra steps to help you stay motivated on your financial journey - with your very own prepaid virtual card, you can allocate funds to your wallet without the worry or risk of overspending.

Click here to learn more about how ImageNPay helps with budgeting, and click the button below to download FREE on iOS and Android.

Post inspired by @abundant.budgets


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