The 8 Limbs of Finance: Find your financial zen through the principles of yoga

In this hectic life, we all need a practice that can make us feel calm. For me, getting out of my head and moving through a yoga sequence is the best possible thing I can do to feel grounded and restore mental balance to my day.  

Unfortunately thinking about finance can bring about mental chaos for many of us. I know that for a long time, I used yoga to distract from scary money thoughts. Last year, I was lucky enough to do a Foundations of Yoga course based on the principles of yoga (linked here for my fellow yogis!) and I learnt about the Eight Limbs – eight ethical principles to live by and find harmony. It got me thinking about not just how I approach my yoga poses, but every aspect of my life. How could I apply this code of conduct to my money to promote financial wellbeing?  

Yama (Ethical Standards) – Living Within Your Means  

The Yamas, the first limb of yoga, are the ethical standards which teach us how to live with integrity. Concepts like simplicity, moderation and truthfulness translate to practicing contentment with what we have, spending wisely, avoiding unnecessary debt, and saving for the future. Remember, it’s not about how much you earn, but how you manage what you have. 

Niyama (Self-Discipline) – Budgeting and Planning  

The Niyamas emphasise self-discipline and commitment to spiritual practices. Similarly, in finances, discipline is key. Create a budget and stick to it religiously (click here to find a budget you will want to stick to!) Plan your expenses, prioritise savings, and invest consistently. By cultivating good financial habits, you pave the way for long-term prosperity. 

Asana (Physical Postures) – Financial Flexibility

Asana, the limb most commonly associated with yoga, involves physical postures to promote strength and flexibility. In the financial realm, flexibility is equally crucial. Be adaptable to changes in income, expenses, and market conditions. Just like a yogi adjusts their pose to find balance, a financially flexible individual adjusts their strategy to navigate economic fluctuations. 

Pranayama (Breath Control) – Mindful Spending and Saving

Pranayama focuses on breath control to enhance vitality and mental clarity. Similarly, mindful spending and saving practices enhance financial well-being. Take a deep breath before making impulsive purchases. Practice delayed gratification and invest in experiences rather than material possessions. By breathing life into your financial decisions, you achieve greater stability and peace of mind. 

Pratyahara (Withdrawal of Senses) – Limiting Temptations

Pratyahara teaches withdrawal of senses from external distractions to cultivate inner peace. In the financial context, this means limiting temptations that lead to overspending. Avoid the allure of flash cars and designer bags (even though the allure is STRONG). Instead, focus on your financial goals and tune out distractions that hinder your progress. 

Dharana (Concentration) – Focused Investing

Dharana involves concentration and single-pointed focus to still the mind. Likewise, focused investing requires concentration on your financial goals and strategies. Diversify your investments using tools like ETFs and global bonds. Concentrate your resources on assets aligned with your risk tolerance and long-term objectives. By honing your focus, you enhance the potential for financial growth. 

Dhyana (Meditation) – Financial Reflection and Visualisation

Dhyana, or meditation, promotes deep contemplation and mindfulness. Apply this principle to your finances by regularly reflecting on your financial habits and goals. Visualise your desired financial future and take actionable steps towards it. Cultivate a mindset of abundance and gratitude, fostering a positive relationship with money. Through financial meditation, you gain clarity and direction on your path to prosperity. 

 

Samadhi (Union with the Divine) – Financial Freedom

Samadhi represents the ultimate goal of yoga – union with the divine or enlightenment. In the financial realm, this equates to achieving financial freedom. Strive to attain a state where your passive income covers your expenses, granting you the freedom to pursue your passions and live life on your terms. By aligning your financial actions with your values, you experience true liberation from financial stress and constraints. 

 Using the principles of yoga for financial zen

The eight limbs of yoga are the perfect parallel to good financial habits. Just as yoga promotes balance, flexibility, and inner peace, integrating these principles into your financial life leads to stability, growth, and ultimately, financial freedom. Because, as Fearless Girls, we know how to balance our asanas and our budgets, so raise your arms in sun salutation, breathe deeply, and start your journey towards financial zen. Namaste! 

 Would you follow the principles of yoga to find your financial zen? Comment below or tag us on instagram @fearlessgirlfinance_