6 Steps To Get Out Of A Money Rut

As a creative, it can feel limiting to have to think about money. Sometimes the impulses and insights you have do not seem practical on the surface. Or you may even wonder how in the world your random passion is going to make you money and allow you to support yourself. We totally get it!

As you embark on your creative entrepreneurial journey, there will undoubtedly be times when money is not flowing as easily as you would like it to be. You may even feel stressed about bills that you can’t pay or anxious about how to make your business a legit endeavor.

We’ve all been there. We’ve all questioned whether or not we should continue our dream and hang up the “Closed for Good” sign. It’s part of earning your stripes as an entrepreneur. These experiences will allow you to build your resilience and strengthen your creative muscles.

And if you decide to stick it out through these tough times- you will come out stronger, wiser, and more nimble than ever before.

Money ruts are just like writer’s block. When you find yourself in a money rut, it takes a combination of patience and action to get out of it.  While everyone’s process is different, here are six steps you can try that will help you get out of your money rut.

Wealth Wednesday on Money & Mimosas


  1. Get moving. Literally. Go take a dance class, go on a walk, do a workout video through YouTube, whatever is your flavor - just get sweating. As humans, we tend to hold anxiety and stress in our bodies. The more we have of it, the less clear we think and respond. By physically working the stress out of your body, you can regain clarity and focus.

  2. Practice gratitude for the things money can’t buy. There are plenty of people with lots of money, who are miserable. Consider all of the things in your life that give you joy and fulfillment. Friendships, romance, a healthy body, a clear mind, a sunny day, the smell of lavender in the trees, your eyesight, hearing the giggles of a toddler, swinging in the park. Take a moment to appreciate all of these invaluable gifts of life.

  3. Practice gratitude for the opportunities you do have. Write down a list of all things you can currently afford with your money and say thank you for it. Maybe it’s a delicious energy bar or a bouquet of flowers for yourself. Only have $20 in your pocket? Well, guess what? You can open a savings account that has one of the highest interest rates on the market. With only $100, you can start investing towards your future by using Radius Bank’s high-yield savings account. By developing your savings habits when you feel like you’re in a rut, is just like putting on a fancy pair of clothes when you feel extra sluggish. It immediately lifts your mood and attracts positivity towards you.

  4. Take out a blank sheet of paper and write down your monthly expenses. What is the number you need to cover each month? Often times, it is much less than we think and this exercise will help your current situation feel less daunting.

  5. Flip over the sheet of paper and brainstorm all the ways you can make money. Selling clothes or books to the local second-hand store? Babysitting? Teaching dance on the side (if that’s not already your entrepreneurial gig, of course. If it is, can you pick up a few more classes to teach or sub for others). Then brainstorm ways you can create more money from your business. List five people that can be potential clients. Can you offer them a new service? Let those creative juices flow.

  6. Take action. The fastest way to get out of a rut is to start doing something to change it. Call those five people on your list. Pack your clothes and books and walk to the secondhand store to sell them. Open up a savings account. Place items on CraigsList. Create your own momentum and you will see the money tide flowing back your way in no time.

This post is in partnership with Radius Bank.

 For more money tips, click here to get insider advice.