15 Money Affirmations to Help Improve Your Money Life

Do you ever find yourself thinking negative thoughts about money?

Some people think money is the root of all evil, while others believe that money is the end-all.

Either way, there is a way to change your money mindset through what is known as adopting money affirmations.

In this world, you are often your only advocate, so taking control of your financial future is entirely in your hands, whether you like it or not.

In other words, you have control over your perception of money, how you manage your money, how you earn more money, and how you spend your money.

If you find yourself struggling to keep up with your bills, build your net worth, or earn more money, this is your go-to article. Believe it or not, a key ingredient to switching the script on your financial future starts with your mindset.

What are Money Affirmations?

We all have an inner critic.

Typically speaking, that inner critic tends to be harsh, critical, and sometimes even belittling about almost everything we do.

Our inner dialogue might say things like “I’m terrible at budgeting” and “I’ll never get out of this debt.” Sound familiar?

While there will always be the inevitable time in our life when we are sad because we failed to reach a goal, we do have to be careful about our inner thoughts – our subconscious voice – and negative self-talk.

If we start repeating something to ourselves for a long enough period, like “I’ll never get out of this debt,” then there is a high chance that you’ll start believing the mantra you’re telling yourself.

And that’s where powerful money affirmations can be a game-changer.

Money affirmations are part of the secret sauce to silence your inner critic, especially as you deal with financial matters.

Money affirmations are short, clear, and positive statements that describe your future financial goals as if you have already completed them.

For example, instead of saying “I will earn more money,” a money affirmation would say something like, “I choose to earn more money,” or “I attract money in my life.”

Chances are, you’ve had money obstacles at one point or another.

That’s where your daily affirmations can flip the script and shift your approach to dealing with your financial life.

For example, most people are focused on penny-pinching savings strategies.

In other words, they are focused on scarcity, or limiting beliefs.

On the other hand, money affirmations would welcome an abundance mindset, where you could be focused on how your savings and investments today could positively impact your future financial success.

When financial affirmations are coupled with the law of attraction, hard work, discipline, and consistent action, achieving your future financial goals can be easier.

How are Money Affirmations Used? 

Be very careful about what you choose to believe. What we believe and tell ourselves is a powerful tool in the manifestation of the outcome we want.

If we listen to our inner critic for long enough, there could be the chance that we become a self-fulfilling prophecy. The negative energy put forth by this inner dialogue then impacts our behavior. For example, if you keep telling yourself you’ll never get out of debt, chances are you’ll feel hopeless and may not try.

Luckily, the simple act of transforming your negative thoughts into positive thoughts can help break this spell.

However, like most good things in life, it will likely take a lot of time and consistent action for you to see a difference. You must making positive thinking a habit for it to make the positive impact you seek.

Positive affirmations are so powerful because they work on two levels: Your conscious mind and subconscious mind.

Let’s say you keep repeating the phrase “I choose to pay off my debt” on a daily basis.

While it might sound silly to repeat this money affirmation every day on a conscious level, your subconscious mind will start internalizing this idea over time.

Assuming you work toward your goal of paying off your debt, you’ll find that any negative or hopeless feelings associated with your debt will likely be replaced with your positive money affirmations.

Money affirmations essentially replace your inner critic who says “no, you can’t,” with the idea that “yes, you can.”

Keep in mind that money affirmations are only a part of the winning picture.

Every day, you could repeat that “I choose to pay off my debt,” but if you don’t actively work toward your goal to pay off your debt, you won’t see a change in your financial situation.

Money affirmations will only work if you:

  • Repeat them daily
  • Stay consistent with your actions
  • Put in the work to accomplish your money goals

Another critical tip is to write your money affirmations on paper instead of just thinking about them. You could write your list of money affirmations in a journal, repeat them to yourself in front of a mirror, or write them on sticky notes and leave them in places you’ll frequently see.

The ink never fades, and consistent action wins.

15 Money Affirmations to Help Improve Your Money Life

5 Money Affirmations to Build Wealth

Of course, building wealth is essential to finding financial freedom.

While a key formula to building wealth (spending less than you earn and investing the rest) does seem pretty straightforward, many still seem to fail at building wealth.

Many fall short of earning more money because the wealth-building process takes years – if not decades – to master and to see a significant difference. A good portion of people could become independently wealthy given enough time, but it’s hard to remain motivated to save money and continue investing long-term.

It can be hard to stick to a course of action for years, but wealth affirmation can help with building a wealth life that becomes your everyday normal.

While not everyone may be patient, everyone can implement money affirmations to build wealth, like the ones mentioned below:

  1. Wealth is part of my life
  2. I have the power to control my spending
  3. I choose to learn more about financial literacy
  4. Any money I invest today will compound over time
  5. I have the discipline to invest today to build a better future tomorrow

5 Money Affirmations to Earn More Money

It may not always be always easy to find your idea job, let alone earn more money.

Whatever your career and earning goals, the first step will be to focus on building a positive money mindset and to dedicate yourself to finding new avenues of income. These could be a career change, starting a side hustle, or starting a business.

If you’re one of the many people looking for a better job, higher salary, or better workplace benefits, then here are five money affirmations to help you earn more money: 

  1. I love making more money
  2. Money is an abundant resource in my life
  3. The amount of money I earn is increasing every year
  4. I have the power to find new ways to earn more money
  5. I am worthy of the wealth I’m building

5 Money Affirmations to Better Manage Your Money

Have you ever heard of the saying, “more money, more problems”?

While this certainly seems like a high-class problem, you do have to understand how to manage money – even if you are just starting your journey to financial fitness.

If you can’t manage your current finances, you’ll struggle to manage large sums of money. It does no good to build wealth if you can’t keep it. You must master your personal finances if you hope to enjoy financial abundance.

Here are five money affirmations you can say each day to help you better manage your money:

  1. I can stick to my budget
  2. I can control my emotions and spending
  3. I am spending less than I earn
  4. I have the power to become debt-free
  5. Money is a tool that can help me find freedom

Do Money Affirmations Really Work?

There might be some skeptics out there shaking their heads and thinking that money affirmations are just nonsense.

Believe it or not, I was a skeptic myself.

Until I tried practicing money affirmations daily.

My goal has always been to “become a millionaire,” but I felt scared, nervous, and unready whenever I thought about becoming a millionaire. I didn’t completely believe that I was worthy of a wealthy life.

Then I practiced my daily money affirmations by looking at myself in the mirror and saying things like, “I am a pre-millionaire.” My mindset shifted from “I’m scared to do this” to “I am already on my way to accomplishing this.”

Money and abundance affirmations can be an empowering tool to help you change your future financial trajectory.

Still not convinced?

I completely understand, but then again, what do you have to lose?


Try to time-block about 10 minutes every day (at minimum) and look at yourself in the mirror while stating your money affirmations – or even take pen to paper and write down your money affirmations.

Please give it a test run for a month or so.

Remember that you probably won’t see a difference right away, but you can see a difference with consistent action.

Closing Thoughts

If you’re wondering how to silence your inner critic once and for all, you should consider practicing money affirmations.

Money affirmations are short, positive statements that help you change your thoughts, perceptions, and feelings toward money.

The goal is that your money affirmations won’t just be captured on a conscious level but also on a subconscious level.

Remember that simply stating or writing your money affirmations won’t do the trick. You’ll still have to put in the hard work and be disciplined about your financial goals to change your trajectory.

If you want to change an outside circumstance in your life, you’ll probably have to start changing within first.

The need for internal change is why money mantras can be your most potent ally because they can help you overcome beliefs that limit your potential by shifting your money mindset.

Even if you are skeptical about money affirmations, you have nothing to lose.

We typically believe what we tell ourselves, and a little positive self-talk can make a big impact in unexpected ways.

You always has the choice and opportunity to change your financial future, and money affirmations can help get you there.



Fiona Smith
Website | + posts