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How to befriend your money and reap the benefits

FILE - In this Jan. 21, 2020 file photo, dollar bills have been dropped into a tip jar at a carwash in the Brooklyn borough of New York. A more positive relationship with your money can help you feel more confident and empowered. So treat your money like a friend. Give it time and attention by checking on your spending, goals and debts. (AP Photo/Mark Lennihan, File)
FILE - In this Jan. 21, 2020 file photo, dollar bills have been dropped into a tip jar at a carwash in the Brooklyn borough of New York. A more positive relationship with your money can help you feel more confident and empowered. So treat your money like a friend. Give it time and attention by checking on your spending, goals and debts. (AP Photo/Mark Lennihan, File) FILE - In this Jan. 21, 2020 file photo, dollar bills have been dropped into a tip jar at a carwash in the Brooklyn borough of New York. A more positive relationship with your money can help you feel more confident and empowered. So treat your money like a friend. Give it time and attention by checking on your spending, goals and debts. (AP Photo/Mark Lennihan, File)

What’s your relationship with money? Maybe your personal finances are like a distant cousin you barely think about – or an unsettling stranger you avoid. Or perhaps money feels like your enemy, frustrating you and rarely doing what you want.

In fact, 31% of Americans said they feel anxious when thinking about the current state of their personal finances, according to a NerdWallet survey last year.

That sounds exhausting. What if you thought of money as your friend instead? A more positive relationship can help you feel more confident and empowered to make the most of your money.

Addie McHale , a Denver-based certified financial planner, gives the following tips for befriending your money.

“These are things you can start to do today,” she says. “You don’t even have to get out a calculator.”