Start Here
If you’re over 50, tired of feeling behind with money, and done with advice that ignores your actual life, you’re in the right place.
You don’t need to read everything. You don’t need to do everything at once. You need one starting point that makes sense for where you are today.
A Little About Me First
I’m a Black woman who started with £586.61 in savings and a lot of quiet money anxiety.
I built a six-month emergency fund not by following hustle culture or pretending my life was simple, but by learning to manage money in a calm, intentional way at my own pace.
Her Money Muse exists because I know how powerful that shift is and because Black women deserve financial spaces that actually see us and speak to us properly.
First, Let Me Say This
If money still feels stressful, uncertain, or heavy, that does not mean you’ve failed.
Many Black women over 50 have:
- Spent years supporting others
- Navigated work, family, caregiving, and change
- Learned how to cope rather than feel financially secure
Her Money Muse exists to help you move from coping to feeling safe, steady, and in control.
This is a judgment-free space. Always.
Choose Your Starting Point
You don’t have to start at the beginning. Start with what feels most urgent or relevant right
now.
“I feel overwhelmed and don’t know where to start”
Begin with the Free Financial Reset for Black Women Over 50
This gentle reset is designed to help you:
- Get clear on where you stand financially right now, not where you “should” be
- Understand what matters at this stage of life
- Create a realistic plan without pressure or panic
Choose this if: Everything feels tangled and you need to see the whole picture clearly before taking any action.
Start the Free Financial Reset
“I need to feel financially safe first”
Start with the Emergency Fund Starter Guide
An emergency fund isn’t about luxury; it’s about peace of mind and not panicking when life happens.
This guide will help you:
- Understand how much you actually need (it’s probably less than you think)
- Start saving even if money feels tight
- Reduce anxiety about unexpected expenses
Choose this if: You lie awake worrying about car repairs, medical bills, or losing your income and you want that specific
fear to stop.
Download the Emergency Fund Starter Guide
Read These Articles First
You don’t need to feel ashamed about debt, especially later in life. Many of us carry it for reasons that made sense at the time.
Start here:
- Facing Debt Later in Life Without Shame
- How to Prioritise Debt Calmly and Realistically
- Why Avoiding Debt Doesn’t Make You Weak. It Makes You Human
Choose this if: Debt feels like a heavy secret you’re carrying alone, and you need practical steps without the guilt.
Visit the Blog – Debt & Money Calm
“I want to change how money feels in my life”
Explore Money Mindset & Financial Confidence
Money is emotional. Cultural. Historical. The way you feel about it didn’t come from nowhere and it can change.
These posts help you:
- Understand your relationship with money (and why it might feel complicated)
- Reduce anxiety and avoidance around financial decisions
- Feel more confident without pretending everything is simple
Choose this if: You avoid looking at your bank account, feel anxious when money comes up, or want to understand why managing money feels so hard emotionally.
Explore Money Mindset Articles
What You’ll Find Here (and What You Won’t)
You will find:
- Calm, practical guidance (like how to start saving when retirement is close, not 30 years away)
- Realistic steps for this stage of life (no advice written for 25-year-olds)
- Respect for your experience (you’ve lived a full life that matters here)
- Support without judgment (your financial past doesn’t define your financial future)
You won’t find:
- ✘ Hustle culture or side-hustle pressure
- ✘ Shaming language about what you “should have done”
- ✘ Unrealistic promises or get-rich-quick schemes
- ✘ Advice that tells you to “just catch up”