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If self-affirmations can improve our lives, why can’t money affirmations improve our finances?
The answer: they can.
When you think of affirmations, you probably imagine standing in front of a mirror telling yourself how beautiful, successful, and worthy of a human being you are.
I am an excellent, hardworking student.
I am a talented, creative entrepreneur.
I am bold and outgoing. My personality exudes confidence.
These sorts of affirmations work wonders for some people, but others — not so much. Not only do they sound super cheesy, they also feel disingenuous.
Because they are.
That’s the thing with affirmations — they’re not a one-size-fits-all thing. You can’t just use any ol’ affirmation and expect it to do the trick.
You have to believe it.
If you can see it and believe it, it is a lot easier to achieve it. — Oprah Winfrey
Here’s a common money affirmation for you: I am the master of my money.
If I told you to do nothing but repeat that to yourself out loud every day, ten times a day, do you think you would all of a sudden become the master of your money?
Probably not.
And I would be a terrible financial coach if I thought that was the case.
The secret to making your money affirmations work is to choose ones that speak to you.
Your affirmations shouldn’t be blah. They should make you feel something. You should get excited, inspired, and motivated every time you say or write them.
If you don’t actually believe you’re good with money or that you even can master your money, then those negative feelings are going to cause resistance.
Resistance is what keeps most people from seeing their affirmations to fruition.
In order to take your affirmation from dream to reality, you absolutely have to believe it, the way a child believes in Santa Claus or my dog believes everything that moves just has to be chased.
If you don’t believe it, you’ll never achieve it.
Oh yeah, but you still have to do the work.
I love the story Jim Carrey told on the Oprah Winfrey show back in 1997 about how he used visualization to manifest his success.
Before Jim Carrey got his big break, he was just another broke actor and comedian trying to make it in Hollywood. Even so, every night, he would drive up to Mulholland Drive and visualize all the things he wanted coming to him.
He imagined people he respected complimenting his work, having various directors interested in him, and think things like I am an awesome actor, all these things are out there waiting for me, I just don’t have hold of them yet.
He even wrote himself a $10 million dollar check for “acting services rendered,” dated it three years in the future, and kept it in his wallet to remind him of his dream. Over the next three years, he booked more comedy gigs, TV gigs, and so on, but none of them resulted in the kind of success he wanted.
Until three years later, almost to the date, when he found out he landed a part in Dumb and Dumber. And his compensation for acting services rendered? You guessed it — $10 million.
It’s a lovely story, sure, but don’t be fooled. Jim Carrey didn’t just sit on his ass for three years and hope the universe would throw a few millie his way. He actually took the steps and did the work to make it happen.
That’s the key. YOU have to MAKE it happen. So why even bother with affirmations in the first place if you still have to do the work?
Think of your money affirmations as they door to accessing your mindset. When you master your mindset, you can have anything your heart desires. Here’s how it works (or at least my take on how it works):
Affirmations → Emotion/Motivation → Action
Good money affirmations, or affirmations in general, inspire and uplift you. They help you alter your mindset (literally by rewiring your brain), evoke positive emotions, and those emotions motivate you to take action.
And that, my friend, is how the real magic happens.
Create Money Affirmations That Connect with Your Why
In order to inspire, uplift, and motivate you, your aspirations need to be personal. It’s not just about what you want, it’s about why you want it.
What’s the reason you want to make more money, or to pay off your debt, or to save $10,000 in an emergency fund this year?
What impact will it have on your life and the lives of those around you?
Maybe you want to:
- Pay for your children’s education
- Take care of your aging parents
- Have the freedom to travel and spend time with loved ones
Your reason doesn’t need to be noble, it just has to be real, to mean something to you. Maybe you want to be rich so you can buy a ton of fancy cars for no other reason than you fucking love cars. That’s totally fine!
No one will know your reasons or affirmations except you and whoever you choose to share them with. The point is to create affirmations that resonate with and support your why.
EXERCISE: Finding and Reaffirming Your Whys
Whatever it is you want with your money (pay off debt, make more money, save for an emergency), write down three reasons why you want it.
For each of your whys, write down three reasons your why is bigger than your fear or doubt. For example:
Desire: To make more money
Why # 1: To take care of my parents as they age
Why > Fear Because: my dad has worked hard his entire life and deserves to be taken care of; I love my family and want the best for them; they would be so proud of me and grateful for the help
Tips for Creating Your Money Affirmations
The best affirmations have three things in common: they are in the present tense, contain positive words, and are personal to you.
- Present Tense
It may feel silly to say something that isn’t currently true, but trust me. Stating your affirmations in the present tense, as if you’re already there, makes the journey seem less daunting.
It also ensures that your brain gets to work on them right away, bridging the gap between where you actually are and where you feel and say you are.
- Make them positive.
Our minds are a tricky thing. Sometimes we think we’re sending ourselves a positive message, but our minds don’t perceive it that way.
As a rule of thumb, avoid negative words (no, not, never, don’t, etc.) and words that imply negativity (quit, stop, give up, etc.).
- Make them personal.
As we’ve already covered, in order for your affirmations to work, they need to evoke some sort of positive emotion. For that to happen, your affirmations need to be personal to your situation. In other words, get specific.
25 Powerful Money Affirmations
DO NOT use these money affirmations as your own. I repeat: DO NOT use these as your own.
Remember, I said your affirmations need to be personal to you. That means you need to create them (using the exercise and tips above).
This list of positive money affirmations is meant to be a guide, a source of inspiration to help you craft your own. Read them, repeat them, feel them, share them, but then do the inner work and create affirmations that speak to you.
Money Affirmations to Attract Wealth and Abundance
- I love money because it is always there for me.
- I am a powerful magnet for money.
- Money comes to me easily and effortlessly.
- I love money and money loves me.
- Wealth constantly flows into my life.
- I welcome money into my life.
- Money-making opportunities surround me.
- I love money because it comes when I call.
- My bills are paid on time and in full every month.
- I find new and creative ways to make money.
- I am grateful to money because it affords me my dream life.
- Money supports my happiness.
- I enjoy making money and making money is easy for me.
- I have all the money I’ll ever need.
- I make money doing what I love.
- I am the master of my wealth.
- Money flows to me easily, frequently, and abundantly.
- I always have more than enough money to meet my needs.
- I am focused on achieving wealth.
- My bank account never stops growing.
- I deserve to have abundance and prosperity.
- I am an excellent money manager.
- I am open and receptive to new streams of income.
- I am the creator of my success.
- The universe is conspiring to make me wealthy.
Side note: I love the mental image of that last one — the entire universe working in your favor. I like to imagine trees, dogs, and inanimate objects whispering behind my back everywhere I go, smiling like, “Okay guys, you know what to do!” It gives me a feeling that my success is already painted in the stars, I just have to keep moving towards it.
How to Use Your Money Affirmations
Once you’ve got your money affirmations, then comes the real work.
I want you to spend some time with them every day. It doesn’t matter if it’s in your car on the way to work, during savasana in your yoga class, or on the toilet for all I care.
During that time, I want you to repeat your affirmations out loud (or in your head, because talking during savasana is just plain rude) at least three times. Then visualize what success looks like to you. This goes back to your why.
What will your life look like with more money, less debt, whatever you want to achieve?
Picture yourself cashing a fat paycheck, vacationing in Cabo, paying off your mortgage.
If you can visualize it, you can make it happen.
TL;DR
Money affirmations are a powerful tool. They can help you reframe your mindset, overcome money blocks, and bring your dreams and desires to fruition.
In order for them to work, you have to 1) buy into them, and 2) keep taking steps towards your goals (i.e. not just sit around on your ass and expect the universe to do all the work).
Create affirmations that resonate with your why using the exercises above, then repeat them to yourself every day while visualizing what success looks like to you.
And remember me when you’re a rich bitch.
I’m a financial coach and author + owner of Goodbye to Broke. I love all things personal finance, money management, and healthy living. And I talk to my dog way too much, if we’re being honest.
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