Gratitude reduces financial stress and encourages people to make decisions from a place of clarity rather than fear (Photo: Gemini)

For many people, money is measured by what is missing: the bills waiting to be paid, the goals yet to be reached or the things still out of reach. But Leena Shah discovered that financial wellness can also begin with recognising what is already there.

For the past three years, Leena has routinely been keeping a financial gratitude journal, a practice that she says has changed the way she thinks about money and financial wellness.

Leena, the owner of Ascend Ledger Solutions & Consulting and a financial coach and consultant, says that it was through financial gratitude journaling that she realised she was focusing more on her financial goals and what she wanted than on appreciating what she had in the present.

She used to have anxiety around money, which prompted her to start journaling on and off until three years ago, when she made it a habit. Although she hosted a paid 21-day gratitude challenge last year, she says that keeping a financial gratitude journal has been her own personal practice for the past three years.