25 Transformative Money Affirmations - Manifest That! [A Series - Part III]
According to the Cleveland Clinic, positive affirmations do work. However, creating effective positive affirmations is an art. Just as personal finance is personal, your positive affirmations are personal to you. It is much more worth your time and energy to create one effective positive affirmation than to download a list of ‘100 money affirmations that instantly work’ or ‘99 money affirmations to attract abundance and wealth’ that have nothing to do with you, your experiences, your feelings, or your relationship to money. Invest in yourself by creating affirmations that resonate with you. The templates in this post are intended to get your wheels spinning, to help you think outside the box. Ultimately though, only you can create your most transformative money affirmations.
Financial Worthiness Affirmations
Financial worthiness affirmations address your inherent value. Everyone is worthy of financial safety and stability just for being. Everyone. If you have tens of thousands of credit card debt, you deserve financial safety and stability. If you spent all of your grandmother’s inheritance, you deserve financial safety and stability. If you are paying back student loans for an incomplete college education, you deserve financial safety and stability.
As you create financial worthiness affirmations, treat yourself with kindness and gentleness as you would others. Avoid blaming yourself entirely for your financial mistakes while solely attributing your financial successes to luck or external factors. Use the following resources to support you in creating your financial worthiness affirmations…
Listen to Dr. Adia Gooden’s TedxTalk Cultivating Unconditional Self-Worth
Read all about love by bell hooks
Templates
I deserve and am worthy of financial stability and improved financial wellbeing. This may require some changes or sacrifices, and I am willing and wanting to put my mental health first.
I have compassion for my financial circumstances in the way I have compassion for the financial circumstances of others.
I am worthy of receiving an inheritance even though I may not have earned the money myself. An inheritance is a gift, a privilege, and an act of love.
I deserve to not only shop for sales. I can and should spend money on quality purchases that enhance my life and wellbeing.
I make financial decisions for me (and my partner | family), not for others.
Savings Affirmations
Saving and investing money for the future is an act of self-love and, like all things in life, requires balance. Not saving or investing enough money can lead to intense feelings of hopelessness and worry, while saving and investing too much money (yes, I did say saving and investing too much money) can lead to intense feelings of anxiety. Creating a healthy relationship to saving and investing is essential to achieving your personal and financial goals and to sleeping soundly. Use the following reflections to inform your savings affirmations…
In what ways is your relationship to saving and investing healthy?
In what ways is your relationship to saving and investing unhealthy?
What would you ideally like your relationship to saving and investing look like?
What is one small step that you can take to achieving this?
Templates
I am increasing my savings by increasing my income and maintaining my expenses.
I am increasing my savings by maintaining my income and decreasing my expenses.
I will prioritize myself by automating savings from my paycheck.
I will open multiple savings accounts to save for various goals.
I will open my primary savings account in a separate bank than my checking account, so I am not tempted to spend my savings.
Even though I strongly prefer to save and invest, I am going to reduce my contributions to my savings, so I can enjoy more of life today.
Journey Affirmations
Ralph Waldo Emerson famously said “Life is a journey. Not a destination.” Finances are also a journey, not a destination. Your financial journey is unique to you and may require you to cross rivers through endless switchbacks, while someone else’s financial journey may require them to boulder overhangs. Inevitably, you will both rest. You will both encounter unexpected trials. You will both reevaluate and change course. You will both find your way. Use the following reflections to inform your financial journey affirmations…
Think about the first twists and turns you experienced in your financial journey, 100 miles ago. Think about the peaks, valleys, and plateaus of your financial journey.
When have you felt most confident in your financial decision making and financial planning?
How have you overcome financial setbacks?
Who can emotionally support and encourage you through financial difficulties in the future?
Templates
I will try different ways of engaging with money in an effort to see different outcomes.
I will brainstorm gray areas. I don’t need to operate in the extremes. Gray areas lead to long term, sustainable change.
When setbacks arise, they may temporarily slow me down, but I won’t let them stop me from achieving my financial goals.
My financial journey is just as much about addressing my feelings as it is about paying down my debt.
I will calculate my net worth twice a year to track my progress. I will also use this time to reflect on my behaviors and to reassess my goals.
Spending Affirmations
Similar to saving and investing money, spending money can be an act of self-love and also requires balance. How we do and do not spend our money reflects our values and priorities. Use the following activities to inform your spending affirmations…
Create a list of your top 5 values. Next to each value write down 3 ways you do or do not spend money to reflect these values.
How can you spend money differently to better reflect these values?
Print your credit card statement from last month. Highlight in blue all of the charges that align with your values and in yellow all of the charges that do not.
What do you notice about your spending?
Use the following resources to inform your spending affirmations…
Read Happy Money: The Science of Happier Spending by Elizabeth Dunn and Michael Norton
Listen to 50 Fires: Money and Meaning with Carl Richards
Templates
I do not spend money on ‘nice things’ and that does not make me superior to others.
I do spend money on ‘nice things’ and that does not make me superior to others.
I cannot afford the car I want right now, and one day, with planning, I will be able to.
I am going to donate 5% of my income to a cause that is meaningful to me.
I am proud of myself for paying for my vacation in full and not charging it on my credit card.
I will spend my money thoughtfully and purposefully.
Family and Friend Affirmations
Our family and friends influence us in a myriad of ways, just as we influence our family and friends in a myriad of ways. Making changes (financial or otherwise) among family and friends can be challenging, as oftentimes the people that have known us the longest expect us to remain the same. The same as ever. Avoid letting the pushback that you may receive from family and friends prevent you from making the financial changes that you have been wanting and needing to make for yourself. Use the following resources to inform your family and friend affirmations…
Templates
True friendships and relationships are not based on the amount of money I spend on them.
I want to share my financial journey with friends and family I trust, so they can support and encourage me along the way. I do not have to do this alone.
I am being conscientious about the financial lessons I am teaching my children.
I am being conscientious about the financial discussions that I am having in front of my children.
I want to change my financial circumstances, so I can help my my parents retire in the future.
