Money affirmations are phrases you repeat aloud or write down to help promote positive thinking and good financial habits. Some people find these mantras to be a helpful tool in reducing money stress. That can be a good thing: In one 2024 survey, 88% of respondents said they were experiencing financial stress, with 65% noting that money was their single biggest source of worry.
Here, learn about what money affirmations are and how you might find them useful.
Key Points
• Money affirmations are phrases repeated aloud or written down to promote positive thinking and good financial habits.
• Money affirmations are based on the premise that by envisioning what you want, you can guide your thoughts and behaviors to achieve it.
• Affirmations may help reduce money stress and encourage a positive attitude.
• Repeating affirmations may help avoid impulsive or unwise money decisions.
• The effectiveness of money affirmations is subjective and varies from person to person.
What Are Money Affirmations?
Affirmations about money are positive statements about personal finances, from the dollars that pass through your hands (or are growing in your savings account) daily to long-term goals. Some people value these as being a step towards visualizing and achieving financial success. Some points to know:
• An affirmation can be as simple as “My finances will get better.” That can be a motivating and calming message if, say, you are a recent graduate who is struggling to find a job. Looking on the bright side in this way can encourage a positive attitude as you learn how to become financially independent.
• Fans of finance affirmations say that repeating them can help you believe in and actualize (or manifest) them. By keeping such thoughts top of mind, you might avoid impulsive or unwise money decisions, such as splurging on a vacation when it isn’t in your budget.
That said, others may not believe in money affirmations and question if there’s proof that this kind of positive thinking works. It’s a very personal decision whether to implement these affirmations or not.
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What Is the Law of Attraction?
When exploring money affirmations (or any kind of affirmation, for that matter), you may hear the phrase “law of attraction” used. This principle says that by focusing on what you want to attract into your life, you can help yourself actually attain those goals. To put it another way, by envisioning what you want, you can guide your thoughts and behaviors to achieve that vs. dwelling on what you don’t have.
For instance, if you want to retire by age 50, you would push away negative thoughts of “I’ll never have enough money to do that.” Instead, you might regularly conjure up the image of leaving your job to pursue your passions at age 50 and say, “I am on a path to save enough money to retire early.” That could perhaps help you pass up impulse buys and instead save money to help you realize your dream. That can be a valuable step on the path to financial freedom.
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25 Money Affirmations
If you want to give affirmations about money a try, here are 25 examples you can try out (whether you say them aloud, internally, or write them down) to hopefully build a more positive approach to your finances.
1. I control money; money doesn’t control me.
2. I can become financially free.
3. I have the power to be financially successful.
4. My income will exceed my expenses.
5. My hard work will bring in more money.
6. I am worthy of making more money.
7. I am a magnet for prosperity, and it flows toward me effortlessly.
8. I deserve the money coming to me.
9. I have more than enough money.
10. My finances will get better.
11. I accept financial success.
12. I will achieve my financial goals.
13. I deserve financial success and happiness.
14. I will use the money I earn for good.
15. I am wise with my money.
16. I can make smart financial decisions.
17. I have the ability to overcome reckless spending.
18. I can make my dreams a reality.
19. My future self will thank me for being wise with money.
20. Having wealth is integral for life.
21. I can achieve my financial goals and more.
22. Debt will not stop me from reaching my financial goals.
23. Saving money is a challenge I can accomplish.
24. My investments will pay off.
Do Money Affirmations Actually Work?
There’s no guarantee that if you repeat money affirmations, your financial well-being will improve. No matter what you see online, read in books, or watch on YouTube, no one knows 100% whether money affirmations, even if repeated 100 times, will truly improve finances and build wealth.
That said, proponents believe in them, so whether to use money affirmations is your call. One note in favor of money affirmations: They might help you focus on the positive and alleviate some money stress, which can be a good thing.
One recent survey found that almost half of respondents (47%) said money negatively impacted their mental health, and that included causing stress. Reinforcing positive self-talk with money mantras might relieve worry and result in a calmer, steadier, more productive financial mindset.
Money Affirmations vs Money Mantras
The phrases “money affirmations” and “money mantras” are typically used interchangeably. They are also sometimes called “abundance affirmations” or “wealth affirmations.” Occasionally, a money affirmation may be distinguished as being a sentence vs. a money mantra being just a phrase (like “less spending, more success”).
Whatever you call them, money affirmations for financial abundance may be a way to boost your positivity when it comes to managing your cash. The words are meant to help you stay the course in reaching your financial goals.
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How to Choose and Write Your Money Affirmations
To choose and write your money affirmations, first identify negative beliefs about money that may be holding you back. Perhaps you see yourself as an impulse shopper, incapable of resisting sales or making frugal decisions. Maybe you’ll decide that “I am wise with my money” would be a good affirmation to try because it could counteract negative money self-talk.
You can also write a money mantra based on your personal challenges to state your goals as if it is already true. For example:
• If your checking account is often lower than you’d like and you’re tightening your budget, the negative statement, “I will not order food delivery ever this year” may be discouraging and hard to live up to.
• A better affirmation might be a positive phrase, like, “I will budget well and spend my grocery money mindfully.” That way, when you do order the occasional pizza, you will likely have planned for it and can feel good.
Your money mantra can help you focus on the positive.
How Do You Use Money Affirmations?
Those who believe in affirmations suggest using them in whichever way feels comfortable and meaningful.
• You might say them aloud or to yourself.
• You could jot them on a sticky note to post on your computer, mirror, fridge, and/or car dashboard.
• Some people like to put the words on their phone lock screen.
• Others may prefer to write their phases (whether that’s “I am working to increase my bank account” or “Abundance is flowing my way”) in a notebook or journal.
Saying or writing your money affirmation daily can be a good practice, but it’s up to you to set the cadence that works best for you. The goal is to repeat the affirmations often enough to impact your outlook, enabling you to visualize financial security and move towards it.
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The Takeaway
Money affirmations, aka money mantras or abundance affirmations, are sayings that people can repeat to replace a negative money mindset with a positive one. They can express a financial goal or good habit. Some believe that saying or writing these words can help banish negative self-talk and instead create an optimistic outlook that can encourage good money management and financial wellness.
Another aspect of financial health is choosing the right banking partner.
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FAQ
How do I choose the best money affirmation for me?
Choosing the right money affirmation is a very personal decision. You may want to opt for (or write) a money affirmation that counteracts negative thoughts. So if you often tell yourself, “I will always be in debt,” a good money affirmation might be, “Every day, I am moving towards eliminating debt.”
What is the affirmation number for money?
Each person can decide if they believe in affirmation numbers (or “lucky numbers”) for money and, if so, what it might be. Some think the number eight is associated with building wealth (say, in numerology), though it’s unlikely to find scientific proof of such a connection.
How often do I need to say my money affirmations?
Money (or wealth) affirmation fans say you should repeat the phrases as often as you need to so that you believe in them and they can help guide your financial habits. That could mean saying your money mantra daily perhaps. If you choose to write down your money mantras, the general advice is to post your affirmations where you will see and read them often. A couple of good spots might be on the refrigerator or mirror.
When is a good time to repeat money affirmations?
An ideal time to repeat money affirmations can be when you’re feeling overwhelmed or stressed about your finances. For instance, if your credit card payment is late, rather than sinking back into negative self-talk, you could repeat your money mantra. Doing so might help you accept your current burden and refocus on your goals. Other people may find they like to repeat money mantras in the morning, to encourage a positive money mindset all day.
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