25 Transformative Money Affirmations - Manifest That! [A Series - Part I]

Money affirmations such as ‘Money flows to me” or “I attract money easily” are not only unhelpful and unrealistic but also harmful and negligent. If changing your financial circumstances was as simple as saying one of these simple affirmations, we would all be doing it already! Prescriptive money affirmations minimize your beliefs, feelings, and current financial circumstances. Helpful and realistic money affirmations on the other hand require time, care and consideration of your personal experiences. While there are no short cuts to creating money affirmations, it will be worth your time and energy to create money affirmations that will propel you forward financially and emotionally. Please use the following 25 money affirmations as templates for creating money affirmations that feel true and meaningful to you.

Financial Journey Affirmations

Take a moment to consider your financial journey - where you currently are as well as where you have been, where you are headed, and where you would like to head. Think about how the difficulties in life have shaped your financial journey. Think about how other people (parents, friends, employers, partners, etc.) have shaped your financial journey. Use these reflections to inform affirmations about your financial journey.

Templates

1. I am at the beginning of my financial journey. It may take time, but I am excited to celebrate my progress along the way.

2. My financial journey cannot be compared to my friends’ or siblings’. I do not know their entire financial picture, and we are all on our own journey.

3. I am going to be intentional and deliberate about financially planning, as impulsively making financial decisions has not served me well.

4. I know that my financial circumstances won’t change over night, and I am committed to the slow but steady journey. The outcome will be worthwhile. 

5. I am going to make financial decisions today to set myself up for success in the future.

Financial Partnership Affirmations

Reflect on your past relationships as well as your current relationship. Consider how you and your partner do and do not engage in financial decision making together. Think about what trust, transparency, safety, and security mean for you in a financial relationship with your partner and how important these are for you. Use these reflections to inform affirmations about your financial partnership.

Templates

1. I will not keep secrets from my partner about money. Even though I may feel shame, our relationship deserves transparency. 

2. I trust that my partner is making financial decisions in our best interest.

3. I understand that my partner’s financial beliefs are just as deeply seeded as mine. I cannot expect them to change their financial beliefs effortlessly, and I also must consider changing my own financial beliefs.

4. My partner and I are a team. Even though we have differing financial beliefs, we can benefit from one another. 

5. Discussing finances with my partner can feel awkward and frustrating; however, I am committed to talking more openly and consistently with my partner about finances. The more we practice talking about finances the better we will be able to communicate with one another.

Financial Worthiness Affirmations

Financial worthiness affirmations can be challenging for many people. Whatever your past financial mistakes, you are still inherently worthy of having financial safety and security. You deserve to sleep well at night, not tossing and turning with financial worry. To learn more about worthiness, watch this Ted Talk by Meag-gan Ann O’Reilly - Enough is Enough: The Power of Your Inherent Value. Use these reflections to inform affirmations about your financial worthiness.

Templates

1. I deserve to take control of my personal finances. 

2. I forgive myself for the financial decisions that I made in the past. If I had known then what I know now, I would have made different decisions. 

3. I need financial assistance right now and that is okay. Needing financial assistance does not mean I am a failure. 

4. I am not defined by my income, debt, net worth, or credit score. I am not defined by the financial decisions I have made. I am not defined by my level of financial knowledge. 

5. I recognize that I frequently worry about money, and I am motivated to make changes.

Spending Affirmations

Our relationship to spending - whether overspending, underspending, or emotionally spending - can be deeply embedded and therefore scary to change. Imagine how your financial future and overall wellness would look different if you spent more money. Imagine how your financial future and overall wellness would look different if you spent less money. Also consider how you might feel one year, three years, and ten years from now if your relationship to spending does not change at all. Use these reflections to inform affirmations about your spending.

Templates

1. I am keeping track of my expenses for an entire month, so I can better understand my habits. I will look at these expenses without judgment. Rather, these expenses are data that can help inform my decisions moving forward.

2. I feel uncomfortable spending money, and I am going to start spending more money on myself, as I am deserving.

3. I spend money in ways that align with my values.

4. I spend money on ‘nice things’ and that does not make me superior to others.

5. I have used shopping as a coping mechanism. I now recognize that it is harming me more than it is helping me. 

Family, Friends, and Finance Affirmations

Our family and friends have impacted, currently impact, and will continue to impact our financial beliefs, feelings, experiences, and behaviors. Think about the people in your life who have played a part in shaping your relationship to finances. Consider how your relationship to finances has shifted as you have passed through various life experiences - particularly as you moved out of your parents’ home, started your first job, had children, retired, etc. Use these reflections to inform affirmations about family, friends, and finances.

1. I can change the money beliefs that have been passed down in my family for generations.

2. Reflecting on my upbringing, relationships, and employers will empower me to change my financial behaviors.

3. I will find free or low cost activities to do with friends. 

4. I am trying to compare myself to others less. 

5. I am changing my family’s trajectory by educating my children about personal finance.