As people who meditate and pursue spirituality in our lives, it is also important to be smart about managing our money. Yet, “smart” here isn’t just the conventional definition associated with wealth management. What if the ways we spend or save our money greatly improve our lives spiritually?

We discuss such tactics, especially when finances matter so much during this upcoming economic recession.

Having a home

Housing is the single largest expense for us. While we are not financial experts to discuss the Rent vs. Buy debate, we can tell you that owning a home or at least living a well-settled life in one, brings stability in your life and to your spiritual system. It improves your sense of caring, relationships and the third chakra, the Nabhi. If you can have a nice, homely place that is filled with positive vibrations and within your means, living there for a longer period of time can help you grow spiritually. It does not matter whether you own the place or are renting it, though it may generally be a better financial decision to own a home for the longer term rather than rent.

Don’t waste money on “peace of mind” insurance

With the exception of health insurance, the money you spend on insurance premiums must only cover you from big losses. As a spiritual person, you have the divine protection a lot more than others and you don’t need to buy “peace of mind” guarantees that unnecessarily jack up insurance policy costs. They are a bad way to spend money. For instance, there are extended warranties for everything we can buy today. If you’re a spiritual person, then you’ll typically buy a lot less and also, never worry about losing your material possessions. In fact, most view an opportunity to get rid of their things as a positive change rather than clinging to them. Spiritually inclined people are rarely attached to their belongings.

Don’t eat outside often

Eating home-cooked meals has a big impact on improving the quality of your subtle energy system, i.e., your chakras. Food cooked at home has better vibrations and you will most likely contract fewer problems by eating food prepared at home. And this does not even consider the benefit that home-cooked food is healthier than restaurant food, and it saves you a lot of money in the long run. The joy of cooking, especially for others, improves you spiritually.

Avoid buying those fancy caffeine drinks too often

Too much caffeine upsets the balance of your energy system and tends to make problems of stress and anxiety worse. And if you’re paying for those fancy lattes at Starbucks, it sure is a double whammy, a couple of them can easily cost you more than all your home-cooked meals in a single day.

Avoid Alcohol

If you haven’t already guessed it, alcohol hurts your subtle energy system badly and isn’t recommended. Spending money on expensive wines is one of the worst things ever you can do if you are pursuing spirituality.

Don’t pay for news subscriptions or cable TV

The news cycles are mostly all negative and they increase your stress in addition to spoiling your attention. Paying money to harm your attention that will make your meditation harder is not worth it. As far cable TV goes, it is better to have options where you control your attention and time, rather than being attached to a schedule for viewing a program. Netflix-like streaming services may be good for you as long as you are able to choose thoughtful and emotionally enriching content as well as the shows that are positive, cheerful and inspiring.

Don’t pay money for meditation or stress relief or relaxation

Good, natural meditation is and should be free. Don’t pay through your nose to indulge in those costly massages, spas and meditation courses that promise stress relief or nirvana. All of those, without exception, are there to take your money. And they provide a small fraction of the benefit that a powerful meditation like Sahaja. Sure, you’ll have to put in the work for this, don’t just expect to do nothing for a lot of benefits.

Avoid Antiques

Steer clear of antiques as much as you can, these generally tend to have negative vibes from the past that aren’t good for your spiritual growth or meditation. Wasting your time and attention on shopping for them and spending money on them makes it even worse.

Limit Vacations and travel

As meditators, you can enjoy the world through the comfort of your inner self. You don’t need the joy by focusing on external things as much as the enjoyment the depth of your inner self provides. While a holiday or two and spending time with family is great, too much travel hurts the environment and wastes your money, especially the expensive kind.

Avoid Stock market investments

In addition to the high risk of losing money, they damage your attentional control if you have to be constantly worried about your stocks losing value. The attentional damage is likely a bigger loss than the financial loss when it hits, though people never think of it that way.

Limit the use of Smartphones and social media

While social media may seem like enhancing collectivity and staying in touch, the vast majority of social media interactions are merely small talk and not of the quality that will enrich your attention. Additionally, you need to be in control of your attention and keep it stable and focused. Continually having to respond to or track social media messages and chats makes you do the opposite. So, if you’re spending money on getting newer smartphones every couple of years or on social media sites or subscriptions, these are all bad investments in multiple ways.

Things worth spending on

Natural things that enhance vibrations

As a rule, anything made of natural materials has positive and stronger vibrations. Avoid or even eliminate plastics from your life as much as possible. It’s okay to spend a bit more on alternatives that use natural materials, but don’t overdo it.

Works of art

In general, artistic works, especially those that are handcrafted, can create positive vibrations. But some level of discretion and vibrational sensitivity is required here. Not all works of art can have positive vibrations.

Money spent on collective meditation gatherings

If you can substitute your vacations with time spent on collective meditation gatherings instead, they can greatly enhance your life. No, we aren’t talking about those exotic getaways at pricey yoga resorts; we’re referring to the kind where meditating with hundreds of others in relatively simple, natural and even rustic living conditions for a weekend. Sahaja has many of those that are attended by practitioners from all parts of the world. These are people in advanced stages of their Sahaja practice, but you could easily be only some weeks or months away in your journey before you can attend one of these.

Real estate and gold as investments

In general, these are the best from an investment perspective. They have proven themselves as a store of wealth for centuries and ultimately keep pace with inflation. Their intrinsic value can never diminish over longer periods of time, and best of all, they rarely require the constant use of your attention.

Spending on Self-improvement

Spending money that enhances your skills and knowledge is always a good idea as long as you don’t overdo it.

Donations that can help change the world and people

On the topic of donations, it’s always a challenge to decide how best to spend our money. The best option is to donate money to causes involved in improving people’s lives more than those that provide short term relief. Our problems in this world exist for a reason, human civilization is constantly creating excesses and upsetting the balance of nature. Aiding efforts that change human behavior is much better than the money spent on rectifying the consequences of those mistakes.

Investments that compound

Experts describe compounding as the eighth wonder of the world and we agree completely. That is because, in addition to the financial power of compounding your money, most investments that use compounding involve spending much less attention on constantly monitoring them frequently or worrying about them. And after years, they grow into massive sources of wealth. You don’t have to keep moving your money in and out or worry about where to invest it next. This interesting article describes this.


As a spiritual person, the best strategy is to live a simple, minimalist life, but one of a rich quality that comes from having artistic and natural things. More than that, the richness that comes from the joy of relationships and being at peace with yourself is priceless. It helps to have a stable place of living that can be clean, homely, filled with vibrations and welcoming to guests. Those who are spiritually inclined can still indulge in carefully chosen luxuries, but we need to manage and grow our money wisely. Overall, living well within our means is highly recommended, so our attention is free to focus on our true purpose and pursuit in life. Spending money on causes for the greater good is possibly the greatest joy and accomplishment in life.