7 Positive Money Affirmations You Need for a Richer Mindset
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1. I Deserve to Be Financially Free
👉 In a Nutshell: You have to believe you’re worthy of wealth before you can build it.
Have you ever felt like money’s only meant for “those” people?
Like the ones who grew up with it or somehow just get lucky?
That thought needs to go.
Because the truth is. Wealth starts with what you believe about yourself.
If you think you’re not meant to be free, your brain will make it true.
But when you flip the script? Everything starts changing.
You’ll start spotting opportunities where you used to see walls.
↪️ Here’s How You’ll Do It
Step 1: Say It Out Loud: Tell yourself, “I deserve to be wealthy,” every single morning.
Step 2: Watch the Doubt: When your brain says “not me,” hit back with “why not me?”
Step 3: Change the Input: Follow people who inspire you and mute anything that makes you feel small.
2. My Income Grows as I Grow
👉 In a Nutshell: When you level up, your money does too.
Let’s be real. Money doesn’t just fall from the sky.
But you know what grows money?
Your skills. Your mindset. Your grind.
The more you learn, the more valuable you become.
And when you become more valuable, guess what?
The paychecks start acting differently.
↪️ Here’s How You’ll Do It
Step 1: Learn Daily: Read, watch, or listen to something money-related for 10 minutes a day.
Step 2: Apply Fast: Use what you learn to fix or improve one money move this week.
Step 3: Reflect Monthly: Look back and ask, “How did I grow this month?”
3. I Can Make Money Doing What I Love
👉 In a Nutshell: Making money doesn’t have to feel like punishment.
You don’t have to hate Mondays to earn income.
If you love editing videos, design, writing, gaming, and cooking. There’s a way to monetize it.
The internet made sure of that.
You just haven’t tried the combo that works yet.
But it’s out there.
And it feels way better than clocking into something you dread.
↪️ Here’s How You’ll Do It
Step 1: Pick a Passion: Choose one thing you enjoy doing, even if no one pays you.
Step 2: Research Hustles: Google “how to make money with [your thing].” No shame in it.
Step 3: Try a Gig: Offer a small service for free or cheap, just to test the waters.
4. I Am in Control of My Financial Future
👉 In a Nutshell: Your bank account isn’t in charge. You are.
Have you ever swiped your card and then checked your balance like it’s a horror movie?
Been there.
But you’re not powerless.
Your money doesn’t move without your permission.
And that means you’ve got the wheel. Even if it feels like you’re still learning to drive.
↪️ Here’s How You’ll Do It
Step 1: Track What You Got: Use an app or notebook to see where your money goes.
Step 2: Set One Rule: Make one promise to yourself (like no eating out this week) and keep it.
Step 3: Build a Mini Plan: Choose a day to look at your goals and ask, “What do I want next?”
5. I’m Smart Enough to Handle My Money
👉 In a Nutshell: You don’t need a finance degree to win with money.
You’re not bad with money.
You’re just learning.
No one taught you this stuff in school.
But that doesn’t mean you’re dumb or doomed.
You’re smart enough to figure it out. And you’re already doing it just by reading this.
↪️ Here’s How You’ll Do It
Step 1: Drop the Shame: Say out loud, “I’m learning, not failing.”
Step 2: Pick One Focus: Choose one money thing to get better at. Saving, budgeting, and credit.
Step 3: Track the Win: Write down every small win (like paying a bill on time). It adds up.
6. Saving and Investing Money Feels Good
👉 In a Nutshell: Putting money away is not punishment. It’s peace.
Saving money isn’t boring.
It’s a quiet flex.
It’s knowing future-you is covered.
Investing isn’t some rich-people game.
It’s how you turn time into a teammate, not a threat.
↪️ Here’s How You’ll Do It
Step 1: Set a Tiny Goal: Save just $5 this week. Yep, five.
Step 2: Try Auto-Saving: Set your bank to auto-move a small amount on payday.
Step 3: Open the Door: Open an investing app and put in $10. That’s it. You’re now an investor.
7. My Money Habits Are Getting Better Every Day
👉 In a Nutshell: Progress beats perfection. Every single time.
You won’t fix it all in a week.
And you don’t have to. That’s not the point.
The point is to keep going.
Even if it’s just saying “nah” to a random $9 smoothie you don’t need.
That’s a win. That’s momentum.
And that’s how change happens.
↪️ Here’s How You’ll Do It
Step 1: Track One Habit: Choose one thing to stick to (like no impulse buys) for a week.
Step 2: Reward the Win: Celebrate when you follow through. Even if it’s just a happy dance.
Step 3: Reset If Needed: Messed up? Cool. Start fresh tomorrow. No guilt needed.
Hi! I'm the founder of Money Vice and a passionate personal finance enthusiast.
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