20 Financial Affirmations That Help You Save for a Rainy Day

20 Financial Affirmations That Help You Save for a Rainy Day

financial habitsLifestyle

When it comes to your finances, there will always be spending temptations. Giving in to those temptations will leave you without money on a rainy day, though, leaving you with nothing to do. Luckily, financial affirmations can help you save for any rainy-day adventures you have in mind.

Financial affirmations help because they keep your goals on your mind all day long. With the constant reminders, you will have the willpower to make better financial decisions. Once you see the increase in your savings account, you will be even more determined, too.

With the progress you will see by using financial affirmations, saving money will become fun for you. You will want to do it all the time, making you less likely to give in to temptation. Then, you will have the funds to do whatever you want on the next rainy day.

Twenty Financial Affirmations That Help You Save for a Rainy Day

As you repeat these financial affirmations, keep an open mind and use a positive tone. With positivity, your mind will believe your words more and help you make decisions you are happy with later. As you read through these money statements, pay special attention to those that resonate with you the most.



financial affirmations
1. I will stay focused on making the best financial decisions.

Make sure your financial goals are always on your mind. When you let your mind wander, you will find that you begin spending money on wasteful things. Stay focused, and it will be easier to stay on the right path as you set aside money for a rainy day.

2. I challenge myself to save as much money as I can.

If you like a good challenge, then make one for yourself. Set a goal and do anything you can to achieve it.

These goals don’t have to be big ones. Any amount of money saved is a good thing, and you can set more challenging goals once you develop better habits.



3. I have set my savings plan, and I vow to follow it.

Setting a savings plan is essential to achieving your goals. Determine your overall goal, and then figure out how you can make it happen. A good savings plan involves thinking about the reason you are saving, which in this instance, is to build a rainy-day fund.

Once you have identified your reason, figure out how much money you must save. Then, give yourself a deadline by figuring out how much time you have to save. Divide your total needed by the amount of time you have to figure out how much money you need to save each week or month.

Coming up with these numbers and configurations is the easy part of the grand scheme of things. Once you know the amount you need to save and the timeframe you are working with, real planning begins.

You must determine how you will make the money that you put into your savings account. This might involve cutting back on some areas of spending or taking on another income source.



4. I enjoy saving money, and it comes naturally to me.

Saving money can be fun, so stay positive and tell yourself that you are enjoying it. Once you see the difference that it makes, you truly will enjoy it, so you might as well start now.

5. I track all of my spending so I can see where my money is going.

When you track your spending, you can see areas that you are spending too much money on. Once you can see that you’re spending a significant amount on unnecessary things, you can cut back. Then, that saved money can go toward your rainy-day fund.

6. I want to experience fun things in life, so I am saving for it now.

Since outdoor activities aren’t an option on rainy days, it will likely require money if you want to do anything fun. Think of those fun activities the next time you want to spend money that you should be saving.



7. I know that every dollar I save counts toward something great.

When you are constantly buying inexpensive items because it seems the cost is insignificant, you are cutting into your rainy-day fund. Use this affirmation every time you want to buy something you don’t need.

8. I have established a budget and work hard to follow it.

Your budget should include both spending and savings, and it should reflect your real income right now. A good budget will include the following categories:

  • essentials such as food, clothing, housing, transportation, and health care
  • non-essentials such as cable, cell phone, monthly subscriptions, and more
  • other essentials such as taxes, insurance premiums, auto expenses, and anything else you must pay throughout the year

Once you have set your budget, use this affirmation to help you remember to follow it. Review your spending compared to your budget every month to learn about your habits and better yourself.

9. I spend less than I earn so that I can grow my savings account.

As you set up your budget, ensure that you are keeping your spending beneath what you earn. You must have money left over after your expenses so that you can save for a rainy day. If you find that your spending is more than your income, find things you can cut out.

10. I will think of all the fun things I want to do in life anytime I want to make an unnecessary purchase.

Whenever you want to buy something, start thinking of what you could do on a rainy day. Doing this will help you remember to save for when you want to do something fun. Remember that if you spend the money now, you won’t have it for a later experience.

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11. I am working towards increasing my income so that I have more money to save.

You can always make more money, no matter what anyone tells you. If you have the determination to find other money sources or ask for a raise, you can make it happen. With a higher income, you can save much more.

12. I will not waste money on things I don’t need.

Walk away from things you are tempted to spend money on but don’t need. When you buy only the things you need or plan for, you will find more satisfaction in the purchase. Keep this in mind when you’re out shopping so that you can save more for a rainy day.

13. I don’t let others dictate the value of my life, and I spend money only on things that bring me happiness.

Just because someone you know has expensive things doesn’t mean you need them. Your friends might even try talking you into spending money on things you don’t need because they have it.

Inspiration to your Inbox

Don’t give in to this pressure because you don’t need what everyone else has. Instead, save the money that would be wasted on keeping up with your friends to use for a rainy day.



14. I value my time, so I will make sure the things I work for are worth it.

To make money, you must spend time working. Since your time is valuable, please don’t spend money on things that aren’t worth it. When you ask yourself if you should make a purchase, consider whether it is worth that many hours of your life.

15. I have enough money to enjoy rainy days without worry.

When a rainy day comes, and you are stuck in the house, you can venture out without stressing about money. You won’t spend time looking for something free to attend, and you won’t have to worry about not having enough cash. If you save money for days like these, you can enjoy your life that much more.

16. I will always think ahead and make the financial decisions that are best for my future.

Never spend money without considering the future. Think about whether you have any financial obligations coming up or if you have enough to save. If you always consider your financial situation before purchasing, you will save much more money.

17. I save up for things that bring happiness and value to my life.

Experiences are more memorable and enjoyable than materialistic items. When you want to buy things that you don’t need, use this affirmation to discourage that type of spending. Frivolous spending might make you feel good at the moment, but it won’t last.

18. I can make anything possible as long as I follow my budget.

If you are spending within your budget, you will have money to save. Use this financial affirmation to remember all the things that you can do if you make good decisions.

19. I can live a life that I enjoy if I save money now.

Saving money can help you enjoy your future. You will already have money set aside for when a fun opportunity comes up. Life is more enjoyable when you can do the things that you want to do without stressing.

20. I have good financial habits, and I make wise decisions.

Boost your self-confidence by using this affirmation each day. When you tell yourself that you have good habits, you will be more likely to implement them throughout the day.

financial affirmations
Final Thoughts on Financial Affirmations That Help You Save for a Rainy Day

With all of the spending temptation out there, it can be hard to save for a rainy day. Using financial affirmations can help you remember your reasons for saving, though.

Once you see the difference the affirmations make with your spending habits, it will become fun to see your savings increase. Having extra money saved for a rainy day will ensure you enjoy your life to the fullest while remaining financially stable.



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Sarah Barkley is a lifestyle blogger and freelance writer with a Bachelor's Degree in Literature from Baker College. She is experienced in all things related to parenting, marriage, and life as a millennial parent, but loves to learn new things. She enjoys the research that goes into a strong article, and no topic is off-limits to Sarah. When she isn't writing, she is immersed in a book or watching Gilmore Girls. Sarah loves reading classic novels but also enjoys a good thriller.

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