15 Money Affirmations to Help Make Wise Financial Decisions

15 Money Affirmations to Help Make Wise Financial Decisions

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While money isn’t everything in life, it does make a difference in all aspects. With money affirmations, you can make it a habit to think positively about money, which will help you make better financial decisions. If you can make better choices with your money, you will experience a freedom that comes no other way.

When you think negatively about money, you are likely to make bad financial decisions. These choices can hold you back in life, preventing you from paying your bills on time or causing you to miss out on opportunities. With a positive outlook on money, though, all of that can be different.

Using money affirmations can help you shift your mindset, helping you to make better financial choices. You will find comfort in your ability to pay all of your bills and pay for all of the things you need in life. Plus, you will have the money to experience new things in life, too.

All of this can help you live a more fulfilling life without stressing about money. You can keep your finances on track, stay positive, and build your wealth.



Fifteen Money Affirmations to Help Make Wise Financial Decisions

Remember the power of positive thinking and the effectiveness of money affirmations to help you succeed.

money affirmations
1. I am disciplined enough to make wise financial decisions all of the time.

Give yourself some credit because you can be disciplined if you use this money affirmation each day. It will give you the confidence and the right mindset to turn away from unwise decisions. Believe in yourself as you repeat this phrase, and you’ll have an easier time making the best choices.

2. I choose to consider every purchase before I make it and spend my money wisely.

Try not to make rash decisions when it comes to your finances. Instead, take the time to think every purchase through before you make it. You might find that you often change your mind and decide not to spend the money, helping you save quite a bit.



If you still can’t stop thinking about what you wanted to buy, then go for it as long as you can afford it. As long as you give yourself time to think it through, you can be confident that you made the right choice.

3. I think positively about money because negative thinking doesn’t get me closer to my goals.

Ensuring positive thinking will help you reach your financial goals quicker. Negative thinking, on the other hand, will hold you back and cause you to limit yourself. If you find that you are thinking negatively about money, use this affirmation until you change your thought process.

Focus on the good things, even if you feel like you aren’t moving along quickly enough. When you focus on the positives, you will find that progress comes easier and quicker, too.



4. I use my money for bills and other priorities.

When you feel tempted to spend frivolously, use this money affirmation to talk yourself out of it. Try to limit your spending to things you have planned for and especially for your bills. If you allow yourself to overspend on other things, you might come up short when it’s time for scheduled payments.

5. I am working hard to increase my income.

With an increase in your income, you will open yourself up to many new possibilities. You can save more, pay down debt, and do things you have always dreamed of. Allow yourself to get to this point in life by putting in the hard work that it takes.

Of course, you will be tempted to slack once in a while, but try to avoid giving in. Use this money affirmation to refocus and stay on track.



6. I deserve financial stability, and I can make it happen.

Always remember that you deserve to live a financially stable life. Your time shouldn’t be overshadowed by looming bills and financial setbacks. Use this affirmation to remind yourself of all that you deserve and to encourage you to make it happen.

You already have everything that it takes to become financially stable. Use your willpower, strength, and wisdom to make good financial decisions.

7. I am consistent about tracking my expenses.

Tracking your expenses can help you see the areas you are spending too much money on. By making it visual, you will see that all of your little spending quickly adds up. Seeing the numbers this way can help you cut back on overspending, and it can help you budget more accurately.

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8. I know that financial decisions can change my life for the better.

Every money decision you make right now changes your future. You are the only person that can decide if the changes will be for the better. Be wise right now so that you have financial security in the future.

Instead of indulging in things that you don’t need when you feel like spending, set that money aside. Seeing your savings account grow will give you more satisfaction than any material item could.

9. I am good at following my budget.

When you convince yourself that you are good at following a budget, you will become better. With a little encouragement and confidence, you will find that you make better decisions regarding money. Believe in yourself, and then everything will work out the way you want it to.

10. I can reach financial freedom.

Have faith that you can reach all of your financial goals. If you want financial freedom, use this affirmation each day, and you will find that you are getting closer. When you know that you can do something, you will be more open to new opportunities that allow you to reach your goal.

The more often you repeat this money affirmation, the better off you will be financially. Your mind will take your words as truth and be on the lookout for opportunities and experiences.

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11. I control my finances, and my money doesn’t control me.

Stay in control of your money because that is the only way to make wise financial decisions. If you let the money control you, then you will find that you never have enough. It will leave you scrambling and stressed out each time a financial responsibility occurs.

12. I can earn enough money to create a comfortable life.

There is no limit to the amount of money you can earn, and you are the only one that can decide. It is all about what you are willing to do and how hard you try. Some people are content with staying at a job that doesn’t offer advancement, but that lifestyle isn’t for everyone.



If you are one of those that want to consistently earn more money, use this affirmation each day. It will help you stay on the lookout for new opportunities. Plus, it will give you the determination that you need to find ways to increase your income.

13. I am not scared when I think about my finances because I have a plan.

Having a plan is the best thing you can do when it comes to your finances. When you know that a payment or obligation is coming up, create a plan. Have a plan for potential emergencies, too, so that they don’t blindside you.

With a plan, you will notice less stress regarding your finances. This money affirmation will encourage you to solidify your plan so that you can find comfort in it.

14. I know that the financial decisions I make now affect my life later.

This reminder will help you avoid unnecessary or frivolous spending. Every time you buy something, it takes money away from your future. Envision the life you want to live later on, and remember that the financial decisions you make right now can make or break your vision.

15. I will have more opportunities if I am financially wise.

You need financial security if you want to take calculated risks to increase your income. Plus, you can be open to bettering yourself in other ways if you aren’t overwhelmed by financial stress. Make the best decisions that you can when it comes to your money, and you can accept better opportunities later on.

money affirmations
Final Thoughts on Money Affirmations to Help Make Wise Financial Decisions

There will always be temptations when it comes to spending money, but you can overcome that. Use these money affirmations to help you make wise financial decisions even when being tempted. These positive statements will help you stay on the right track, ensuring your financial well-being later on.

Keep your financial goals in mind so that you can stick to your budget. Modify these money affirmations to your specific needs, and repeat them each day. The positive statements can make all the difference when you are working to keep your finances on track.

Think positively about money, and you will have an easier time looking for the good things about it. Use these money affirmations each morning to help you get started on the right path each day.



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Sarah Barkley is a lifestyle blogger and freelance writer with a degree in Literature. She is experienced in all things related to parenting, marriage, and life as a millennial parent, but loves to learn new things and will take on any topic. When she isn't writing, she is immersed in a book or watching Gilmore Girls.