money affirmations

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, be-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 completely 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, then this is your go-to article because 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 critic might say things anywhere from, “I’m terrible at budgeting,” to “I’ll never get out of this debt.” Sound familiar?

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

That’s because 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 what you’re telling yourself.

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

Money affirmations are part of the secret sauce to silence your inner critic once and for all, 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 a money block at one point or another.

That’s where your daily money affirmations can flip the script and change your approach when it comes to dealing with your finances.

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

In other words, they are focused on scarcity.

Money affirmations, on the other hand, would welcome an abundance mindset, where you could be focused on how your savings and investments today could positively impact your future net worth tomorrow.

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

How are Money Affirmations Used? 

Be very careful about what you choose to believe.

If we listen to our inner critic for a long enough time frame, there could be the chance that we become a self-fulfilling prophecy (by believing your inner critic, “I’ll never get out of this debt,” you might feel so hopeless that you never try to get out of debt, thus, fulfilling your own prophecy).

Money affirmations can 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.

Money affirmations are so powerful because they work on 2 levels: Your conscious mind and your 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 repeating this money affirmation every single day on a conscious level, over time, your subconscious mind will start internalizing this idea.

Assuming you do work toward your goal of paying off your debt, you’ll find that any negative or hopeless feelings associated with your debt will likely have vanished and have been replaced by 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.

You could repeat every day 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 key tip is to write your money affirmations on paper instead of saying them out loud.

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 fairly straightforward, many still seem to fail at building wealth.

A reason why many fall short of earning more money is that 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.

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 ten times over
  5. I have the discipline to invest today to build a better future tomorrow

5 Money Affirmations to Earn More Money

Especially in the modern COVID-19 pandemic era, it’s not always easy to find a job, let alone earn more money.

If you’re one of the many people looking for a better job, higher salary, or better workplace benefits, then here are 5 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. My checking and savings account is always filled with money

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 on your journey to financial fitness.

Here are 5 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 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 who might be 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 on a daily basis.

My goal has always been to “become a millionaire,” but I felt scared, nervous, and unready whenever I thought about becoming a millionaire.

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 accomplish this.”

Money affirmations can be an empowering tool that can 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 or money affirmations.

Give it a test run for a month or so.

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

Closing Thoughts

If you’re wondering how to silence your inner critic once and for all, then 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 that they also are captured on a subconscious level.

Just keep in mind 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 first within.

And that’s why money affirmations can be your most powerful 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.

You typically believe what you tell yourself.

And the good news is that you always have a choice to change your financial future, and money affirmations could be a part of the answer.


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