This piece is presented in partnership with Fundrise.

Self-care can definitely involve some calming face masks on a Friday night…and it can also involve making sure you’re taking care of all the important parts of life, like finances. We’ve done the work for you and created a Financial Wellness Check-Up to get you started on the right path. We suggest budgeting about 2 hours for this session. And our bonus recommendation? Have Great British Bakeoff playing in the background for a soothing touch of cozy vibes.

1. If you haven’t already, create a budget and revisit any financial goals you have. Print out this one-pager that has your budget and goals and set it aside for step 2. (Here are simple rules to follow to creating a budget. And if you aren’t sure where to start with setting financial goals, here’s a good guide.)

2. Download your data. Download your last three months of bank account statements. Using your budget as a guideline, see if you’re in line using an app like Mint or YNAB. Or, if you’re like me, go the old-school nerdy way and download your bank statements as a .csv file, import it into Excel or Google Sheets, and categorize and analyze your spending yourself. This is a critical part of the financial wellness check-up.

3. Check-up on how you’re doing against your budget and goals. Are you overspending or underspending in any one category? If you’re underspending in some areas, jump ahead to step 6. Get rid of the cruft and spot any errors. An easy financial win = scanning your statements for any recurring (or incorrect!) charges for services like digital subscriptions, entertainment subscriptions, or software charges for things you no longer need. Pick up the phone and cancel ‘em! I’ve definitely caught “double charges” on my card using this method. Your bank will usually cancel those charges if the merchant made a mistake and charged you twice for that cup of coffee.

4. Check on the status of your credit card(s). Are you able to pay off the full balance each month? If you’re able to, take care of your debt first. If you’re unable to, consider setting an automatic payment that’s higher than the minimum payment that’s due.

5. Investing? Great. Now consider diversifying into real estate. Investing is the ultimate form of treating your [future] self. While it might make sense for you to keep a portion of your paycheck in savings, putting a piece of your income into investments is a great way to potentially see returns over the long-term. It’s been found that women overall invest 40 percent less money than men do. That means getting comfortable with investing means getting one step closer to financial independence . Diversifying your portfolio is important when it comes to investing — and it doesn’t have to be scary at all. Fundrise, for instance, is a cutting edge investment platform that makes it easy to do just this by helping you invest in the private real estate market.

This is a really big deal because 1) Fundrise has made a historically demanding investment opportunity — private real estate — incredibly easy through their tech-driven platform; and 2) Studies show that investing in the private market can produce 30 – 40% higher returns than investing in the public market. Until now, direct private market investing was largely inaccessible to individual investors. With Fundrise, you can now build a portfolio of private market investments with the potential to earn higher, more consistent returns over time. We bet you can have an account set up and an investment made within your 2 hour night-in session of financial wellness.

Tag us @girlsnightinclub if you’re doing a financial wellness check-up this weekend and share how it’s going. Because peace of mind about your finances and feeling great about your future goals totally counts as self-care.

This post is sponsored by Fundrise. Get started investing today.

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Photo by Lauren Mancke via Unsplash