We live in a world that expects instant gratification. Although this temporary happiness feels good, it often leads to regret after looking at your checking account’s health afterward.
Financial affirmations are an under-utilized tool that can help you focus on your monetary goals. It is easier to summon the willpower that lets you avoid an impulse purchase or other destructive habits by delivering a consistent reminder of what you hope to accomplish.
A financial affirmation is most effective when it is stated positively. Try to avoid self-doubt or negative criticism when repeating these important phrases. A happier mantra can translate into long-term benefits by staying content with your financial choices.
56 Financial Affirmations You Should Tell Yourself
A financial affirmation is a short saying, phrase, or sentence that someone repeats to themselves about money. It can be said verbally or as a thought, encouraging positive choices that lead to better wealth management practices. This resource is something anyone can use to help them reach their monetary goals.
When you approach money through a positive mindset, it can help you keep your finances on track toward whatever goals you have. Whether you’re saving for retirement or trying to put the kids through college, there will be times when negative emotions creep into your mindset.
A positive financial affirmation can help you avoid getting stuck in the same economic patterns that aren’t working. When you see forward progress with this investment, it becomes a lot easier to establish positive financial habits.
This list of 56 financial affirmations can stop limiting beliefs, change your perspectives, and encourage progress toward your dreams. Some might not believe in the power of positive thinking, but it only takes a subtle shift in your awareness to create profound changes.
List of the Best Financial Affirmations to Say
When you say one or more of these financial affirmations, you should repeat the statement at least five times to maximize its effect. Another option is to state the phrase for 60 seconds, getting as many repetitions as possible.
Quality is more important than quantity. After stating the affirmation, allow the words to deliver an impact on your mind, body, and soul. Think about what it means for that specific moment, then repeat.
Here are the 56 most powerful financial affirmations to take with you for managing almost any situation.
Mindset Affirmations About Money to Use Today
1. I control money instead of allowing it to control me.
2. I deserve to enjoy having a prosperous life.
3. Money is a tool I can use to improve my life and change my fortunes.
4. Money is the root of all evil only if I allow it to be.
5. I am worthy of having a solid financial foundation and future.
6. Money is meant to expand the opportunities I can find in this life.
7. My finances help me to have a plan that I can implement instead of causing fear.
8. I can use money to create a better life for myself and others.
9. Happiness flows to me freely as I move through this day, including the money I have.
10. I am capable of tackling any monetary obstacles that come in my direction.
11. I will focus on the positives of what money can provide and not the negatives.
12. I am not a bad person just because I have more money in my bank account than others.
13. I am on the path to having a prosperous life, even if others have more money than I do.
14. The power of being a financially successful individual lies within me.
15. Positive emotions helped to create worthwhile financial goals.
16. I can use the power of money to expand the opportunities I receive in this life.
17. I have the power to become financially free.
18. Money flows to me when I embrace the concepts of thoughtful generosity.
19. Money is only one part of my life’s wealth.
20. The money that comes into my life is helpful for meeting my financial goals.
21. I can build the financial outcomes I want with my hard work and creativity.
Monetary Income Affirmations to Start Using Today
22. I have the power to create an income that exceeds my expenses.
23. Money is an abundant resource that I have the ability to earn.
24. My talent is an abundant resource that allows me to earn an unlimited income.
25. I will accept the flow of money from wherever it arrives.
26. My hard work is what leads to the opportunity to create the financial picture I want.
27. I have the power to leverage my skills to increase my income.
28. I believe in my ability to earn more money each day.
29. I can recognize the countless opportunities around me that let me make more money.
30. I have the courage to negotiate my salary.
31. I deserve to be paid a fair wage for my time and talents.
32. My job provides opportunities to work toward my future financial goals.
33. I can use my income to change the world into a better place.
34. I have the money to enjoy everything I need in my daily life.
35. The power to obtain all the riches I desire is found within me.
36. I am on the way to becoming a wealthy and healthy individual.
Budgeting and Debt Management Affirmations to Start Using Today
37. I have the discipline to make tough financial choices that will make my life easier later.
38. My future self will appreciate the efforts I am making to save money today.
39. I choose to spend my wealth wisely.
40. My dreams can be closer to my reach through careful budgeting processes.
41. It is fun to find frugal ways to meet my instant gratification desires.
42. I can build an emergency fund today.
43. I can track my expenses and stick to my budget goals.
44. I am in control of my expenses instead of my expenses being in control of me.
45. Every time I save money, I am closer to achieving financial freedom.
46. My life is not defined by my debt.
47. I will not let debt be in control of me.
48. I have the power to spend money on that matter to me.
49. I control the purchasing decisions instead of allowing others to control me.
50. I find happiness when I discover ways to spend money responsibly.
51. I will eliminate the debts that don’t serve me today.
52. It is exciting to keep my financial future on the correct path.
53. Financial mistakes are learning lessons that help me to become a better money steward.
54. I have the power to pay my bills responsibly.
55. The choices I make to build wealth today allow me to create the life I desire tomorrow.
56. No one can stop me from being financially happy.
How Many Financial Affirmations Should I Say Daily?
Each person’s wealth situation is unique. The number of affirmations you decide to say or think about depends on where you’re at right now.
It is fine to have multiple financial affirmations that you like to say for motivation. Some people find that combining two or three of them into a longer mantra they repeat is helpful.
When there is an abundance of positive thinking in your life, its effects trickle down into different areas to offer several ongoing benefits. It is easy to focus on the negative energies that surround you daily because it is hard to find those little perfect moments that are always there.
When financial affirmations become part of your routine, it gets a little easier to embrace the perfection that exists.
You can use these 56 financial affirmations to achieve those goals or create unique ones that fit your current situation. Many have found that combining one or two they’ve developed with a couple of powerful ones from this list can have profound effects on their lives.
Where Should I Place My Financial Affirmations?
The goal of each financial affirmation is to repeat it until the concept becomes interwoven with your life, habits, and desired outcomes. When you start this process or incorporate a new one, it is easy to forget the phrase.
There is nothing wrong with having a constant reminder to use so that the affirmation’s power can stick with you.
Each person has unique ways of remembering things. Here are a few good areas to consider using so that you can have the words serve as a positive reminder throughout the day.
- Put them on a sticky note where you work so that you can see the message throughout the day.
- Have your favorite affirmation be on your phone’s lock screen.
- Frame your preferred statement so that it sits on your desk, nightstand, or table.
Whenever you see these affirmations, you’ll naturally repeat the words. That creates the power to change your perspective, even if it is just a momentary glance.
Most people see a mindset shift happen first. As your attitude becomes more positive, you’ll slowly start witnessing changes in your wealth habits. The actions begin to feel like a natural fit for what you’re hoping to accomplish in life.
Think of Affirmations as a Starting Point
Repeating affirmations can boost confidence and motivation, but you still must decide to take action. Thinking and doing are two separate choices.
It helps to think of an affirmation as a step toward the financial changes you want to make instead of being responsible for the entire transition.
Imagine that you’re sitting at work next to a co-worker that wants to know what you did last night. Their questions are intensely personal, and you have no intention of paying attention to them.
Although you can say an affirmation that helps to keep you calm, it is up to you to avoid stress and find a way to escape the situation. Your statement can guide you to coping skills like staying grounded or taking deep breaths.
A financial affirmation takes a similar approach. If you say, “I have the power to control my spending,” when you’re tempted to buy something you don’t need, the phrase can trigger a memory or response that recalls your budget goals or overall wealth desires.
Does it make sense to purchase this item?
That momentary reflection is what gives you the power to make an unbiased choice. You can weigh the information, then proceed.
When Should I Say My Financial Affirmations?
Try to set aside three times each day for about five minutes where the focus can be on a preferred financial affirmation. Many people choose when they wake up, during a lunchtime break, and right before bed, but any moment can be successful if it is part of a consistent routine.
I’ve found that bedtime affirmations are challenging for me to do, so I create a morning routine that includes them. I’ll say them for a few minutes right after I wake up.
My next time is during a mid-morning break. I’ll step outside, think the affirmations to myself, and enjoy filling my lungs with fresh air.
The final time I take to repeat my financial affirmations is right near lunch. Once I can set my responsibilities down to take an extended break, I repeat my favorite phrases before taking care of my hunger.
I include a fourth time for affirmations if I miss one of these scheduled breaks. I say them once I get home from my workday to prepare myself for the transition to personal responsibilities.
Financial affirmations have more power than many people realize. If you can think or say it, then you can do it. Your goals and dreams are within reach, and these 56 options can help you remove the limiting factors that prevent you from reaching your desired outcomes.
