Cassidy Horton
I’m going to be completely honest with you. Our society has conditioned us to believe some pretty
whacked-up things about money.
Money is the root of all evil.
Only greedy people want more money.
Money isn’t that important.
But here’s the thing — I want to have more money. I want to be financially secure, buy things that bring me joy, and spoil the people I love without digging myself into debt.
Does that make me evil?
No.
Does that make me greedy?
Absolutely not.
When you’re just starting out on your financial journey, you’re going to feel a mixed bag of emotions — whether you’re trying to pay off debt, save up for a big purchase, or build a safety net between you and the unknown.
On one hand, you’ll be so motivated to gain control of your finances. You’ll be eager to learn as much as you can and maybe even take a class or two on topics you’re unsure about.
But on the other hand, you’ll be battling self-doubt. You’ll hear all these little voices inside your head saying, “You can’t do this. You’ll never get out of debt. You’re bad with money. Why could you possibly want more of it? You’re selfish for wanting more money. Why are you not content with what you have?”
In times like these, you’ll want to find some money mantras and positive affirmations you can repeat to yourself to help dismantle and rewrite these negative thoughts.
(If what I just said sounds super woo-woo to you, bear with me! I was skeptical too in the beginning, but I promise money mantras work. In fact, I’d even go so far as to say they’re Step #1 in accomplishing your money goals.)
Ready to learn more? Read on as I walk you through:
Money mantras and why they’re important
Self-limiting beliefs you may have about money
How to counteract these negative beliefs
25 money mantras to transform your mindset and attract financial freedom
Let’s dive in.
WHAT ARE MONEY MANTRAS?
Money mantras are short, powerful statements you repeat to yourself every single day. They counteract the negative thoughts you have about money and help transform your mindset so you can start welcoming more wealth and abundance into your life.
WHY ARE THEY IMPORTANT?
Every single one of us has self-limiting beliefs about money — whether it’s that money is evil, you’ll never learn how to budget, or you’re not worthy of having more of it.
And here’s the thing — your brain believes what you tell it.
If you repeatedly tell yourself that you don’t have what it takes to take control of your finances, it’ll become a self-fulfilling prophecy. You’ll give up the moment things start to get hard. You’ll say to yourself, “See, I knew I couldn’t do it. Let me stop now while I’m ahead.”
But if you wholeheartedly believe you have what it takes, you’ll be right too. When a challenge comes along, you’ll say, “I know I can get through this. I am worthy of having a secure financial life. I am worthy of having more money.” And you’ll persevere.
WHAT ARE YOUR SELF-LIMITING BELIEFS ABOUT MONEY?
We all have a unique relationship with our money. Before you can identify powerful money mantras that really work, you need to come head-to-head with your own self-limiting beliefs.
So, let me ask you — what is your current relationship with money? What are some beliefs around money you developed as a child that you’re still harboring today?
As a first-generation wealth builder, some of my self-limiting beliefs about money were:
Being poor runs in my family.
I should be happy as long as I’m making $30k a year because neither of my parents made more than that.
You’ll never have enough money to do the things you want.
There’s never enough money to go around.
You have to work really hard for money. (I’m talking back-breaking work.)
For you, your self-limiting beliefs about money may be:
Money is the root of all evil.
I’m not good with money.
Only greedy people want money.
Money doesn’t buy happiness.
I have no control over whether I’m wealthy.
I can either enjoy my job or make money. I can’t do both.
Being rich is evil and gross.
All wealthy people are corrupt.
Money isn’t that important.
Money is a limited resource.
If I have money it means I took it from someone else.
I don’t deserve money.
I feel guilty for having/wanting money.
Money is difficult to make.
I can’t make money because _____ (insert, “I’m a single mom”, “I didn’t graduate college”, or any other self-limiting belief you have)
Which of these self-limiting beliefs do you identify with? Take a moment to write them down.
HOW TO COUNTERACT NEGATIVE BELIEFS WITH MONEY MANTRAS
Once you’ve identified your self-limiting beliefs about money, it’s time to create money mantras that directly oppose them.
Here are three examples to show what I mean:
Self-limiting belief | I’m bad with money.
Money mantra to counteract this negativity: I make good choices with my money and know how to use it wisely.
Self-limiting belief | I don’t deserve money.
Money mantra to counteract this negativity: I am worthy of making more money. This will allow me to provide for my family and give me the freedom and flexibility to do what I love most.
Self-limiting belief | Money is difficult to make.
Money mantra to counteract this negativity: Money flows to me with ease and grace. I deserve to have a bank account overflowing with money.
25 MONEY MANTRAS TO TRANSFORM YOUR MINDSET & ATTRACT FINANCIAL FREEDOM
The list below is full of mantras for abundance, wealth, attracting money, becoming rich, and more. Look through this list and pick out the best mantras for money that counteract any negative beliefs you have.
On days when you’re feeling down or unmotivated, repeat these positive affirmations to yourself until you feel a sense of calm, peace, and excitement about your finances.
Money comes to me easily.
There’s more than enough money for everyone.
Money is an infinite resource. I don’t worry about how or when it will come into my life.
I am a money magnet.
I am worthy of making more money. This will allow me to provide for my family and give me the freedom and flexibility to do what I love most.
I am open and ready to receive money.
There is a lot of money in this world. I’m creating opportunities to make more of it.
My passions can make me rich.
I use my money to add value to my life and other people’s lives.
I forgive myself for my past money mistakes.
Money flows to me freely.
I am wealthy in more ways than one.
I look at my finances without fear.
My career allows me to live the life I desire.
I deserve to have a bank account overflowing with money.
I make good choices with my money and I know how to use it wisely.
My income increases constantly.
I have the power to create the wealth I desire.
I honor the money I have and welcome more of it into my life.
I love money and money loves me.
There’s more than one way to make money in this world.
I am financially free.
Money is abundant. I am open-minded about ways to bring it into my life.
Every dollar I spend comes back to me multiplied.
Something wonderful is waiting around the corner. I’m ready for it.
ONE LAST THING...
There’s nothing inherently good or evil about money. It’s a vehicle — a tool to help you build that happy, carefree life you envision for yourself.
One of my favorite quotes comes from the book You Are A Badass At Making Money by Jen Sincero (which I highly recommend if you’re looking for a money mantra book to add to your reading list).
In the book, Jen writes, “I’ma go ahead and say it out loud (join me, won’t you?): I LOVE MONEY! There’s no need for explanations or apologies. I also love pizza and I can say that without tacking on a bunch of disclaimers: I love pizza, but, you know, it’s not everything. Spending time with people you love and being of service are important too. Let’s take back the word “money” and decriminalize it, because until you do, you aren’t going to be terribly motivated to let yourself make much.”
Be unapologetic about your desire for more money. Be unapologetic about where you want to be on your financial journey one, two, five years from now. You deserve to be happy. You deserve to reach your goals.
What are some of your self-limiting beliefs about money? What money mantras are you using to help rewrite them? Let us know in the comments below.
Cassidy Horton is a freelance personal finance copywriter
at cassidyhorton.com. She also runs her own personal finance blog at getontrackfinancially.com. She's a bonafide adventurer, cat lover, and money nerd who's passionate about helping people find financial freedom. When she's not sitting at her computer desk, you can find her hiking around the Pacific Northwest.