20 Affirmations That Will Help You Build a Wealth Mindset

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Are you struggling through your personal finance journey?  Do you feel as if you will never become debt free? Does saving for retirement seem like an unachievable feat and that you will have to work forever? 

One way to overcome these negative thoughts is to speak and/or write affirmations for yourself. Affirmations are extremely useful and can be used in all aspects of your life.

What Are Affirmations

Affirmations are positive statements that can help you overcome self-sabotage and negative self-talk.  Specifically, money affirmations discuss topics such as mindset, income, budgeting, saving, and debt payoff.

Benefits of Affirmations

Affirmations give you confidence and train your mind to think positively. Over time you begin to believe the words you are speaking to yourself. Affirmations also help you to be grateful for where you are on your journey. 

During a financial independence journey, there will be many high and low moments. Some days, you might want to give up and throw in the towel. On other days, you are proud of your accomplishments and are on cloud nine. Affirmations provide the motivation needed to keep you focused and committed even on bad days. 

Here is a list of 20 affirmations you can say aloud to yourself or write down to overcome those negative thoughts/feelings.

Money Affirmation 1

I control money, money doesn’t control me. 

Money Affirmation 2

I deserve a prosperous life. 

Money Affirmation 3

I can use money to create a better life. 

Money Affirmation 4

Money flows to me easily and frequently. 

Money Affirmation 5

Financial freedom is something I can and will have. 

Money Affirmation 6

I am more than my debt. 

Money Affirmation 7

My debt does not define me. 

Money Affirmation 8

I will be debt free. 

Money Affirmation 9

Negative thoughts about money don’t serve my financial goals. 

Money Affirmation 10

I will reach my goals with ease.

Money Affirmation 11

I am fully in charge of my money.

Money Affirmation 12

I can become financially free. 

Money Affirmation 13

I have a budget that allows me to enjoy life and still get things done.

Money Affirmation 14

I can track my expenses and stick to a budget.

Money Affirmation 15

I am happy when I spend my money responsibly. 

Money Affirmation 16

Every dollar saved puts me closer to financial freedom. 

Money Affirmation 17

My future self will thank me for saving money.

Money Affirmation 18

I enjoy the challenge of saving more money.

Money Affirmation 19

I can build the financial life that I desire.

Money Affirmation 20

I have the power to be a financially successful person.

Final Thoughts

Hopefully, some of these affirmations resonated with you and provided the positive words you need to continue in your journey to financial independence. 

After incorporating these affirmations, you can begin writing affirmations that speak directly to your situation. 

Elevated Life and Money Plan By Nakeshia 

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