Mastering Your Money Mindset: 50 Positive money affirmations - Side Hustles for Gals (2024)

How to Nurture a Positive Relationship with Your Finances

As someone who used to avoid money talk and live paycheck to paycheck, I've learned firsthand just how much our money mindset impacts our financial situation.

After launching my blog this year and finally taking control of my finances, I realized that cultivating a positive money mindset was key to turning things around.

Choosing to see money as a tool rather than a source of anxiety allowed me to get clear on my goals, build better money habits, and harness the power of gratitude. Implementing small mindset shifts made a huge difference!

Now I want to help others transform their relationship with money too. A healthy money mindset paves the way for growth and opens up new possibilities.

In this post, I'll share the exact mindset tweaks and practices that helped me go from avoidance and scarcity thinking to financial empowerment.

Let me know in the comments if you struggle with money mindset! My hope is we can support each other in this journey.

The Importance of a Positive Money Mindset

Understanding My Relationship with Money

When I first tried improving my money mindset, I realized I had to start by honestly examining my current relationship with money.

I spent time asking myself questions like:

• What emotions come up when I think about money or my finances? Do I feel anxious, ashamed, empowered?
• What core beliefs do I have about wealth and abundance? Are they positive or limiting?
• How do I manage money day-to-day? Do I budget effectively? Make impulsive purchases? Avoid checking accounts?
• What are my financial goals currently? Are they aligned with what I truly want?

Taking inventory of my money story helped me pinpoint where my mindset needed work. I saw how past scarcity experiences led to current fear and avoidance.

Being aware of my habits and beliefs was an important first step in transforming my money mindset.

I'd recommend reflecting on your own money relationship as you work to shift your mindset. Self-awareness brings clarity!

Overcoming Limiting Money Beliefs

Our underlying money beliefs and self-talk can seriously impact our financial success. Limiting beliefs like “money is evil” or “I'll never be rich” become self-fulfilling prophecies.

To cultivate a positive money mindset, I first had to identify my own hidden limiting beliefs. Ask yourself:

• What negative money scripts play in your mind?
• Do you believe wealth is wrong or unattainable for you? Why?
• How could you reframe these beliefs and replace with empowering money affirmations?

For example, I realized my “I'm not good with money” story was false when I reflected on times I did make smart money moves, like budgeting and saving.

Actively challenging your inner money narrative is powerful. Our words impact our reality, as explored in Sara's post on language and pain perception. Apply this to your money mindset.

Living Abundantly with Daily Gratitude

Something that really shifted my money mindset was cultivating daily gratitude and focusing on abundance rather than lack.

When you start actively appreciating the wealth in your life already – whether it's loving relationships, enjoyable hobbies, talents or your health – you energy shifts.

Here are some simple ways I practice living abundantly:

• Start a daily gratitude journal to write what I'm thankful for. This trains you to notice the positives.
• Do gratitude meditation visualizing all the blessings surrounding me. Hard to feel lack when you feel gratitude!
• Use visualization techniques to manifest financial goals by imagining already having achieved them.
• Focus on abundance in even small ways, like appreciating having a warm bed or running water.

The more I practiced gratitude, the less I focused on what I didn't have. I realized how much abundance already exists for me to appreciate.

Setting SMART Money Goals

Cultivating a positive money mindset also means setting clear, realistic financial goals. Vague wishes like “save more” won't cut it.

When goal-setting, remember SMART:

Specific – Set an exact goal like “Save $5000 for a downpayment on a house in the next 8 months”

Measurable – Make sure it's quantifiable so you can track progress

Achievable – Challenge yourself but ensure it's actually attainable

Relevant – Make sure it aligns with your personal values and priorities

Time-bound – Give it a deadline so you have a timeframe to work within

Once you've laid out SMART goals, make an action plan:

• What weekly or monthly saving amount or income increase is needed?
• What budget adjustments will you make to achieve this?
• Will you automate transfers to make hitting goals effortless?

The Power of Visualization and Affirmations

In addition to goal-setting, I found visualization and affirmations invaluable for reprogramming my money mindset.

Visualization involves closing your eyes and imagining yourself already achieving your financial goals. Picture the positive emotions you'll feel. Make it as vivid as possible! Even just 5 minutes a day keeps your mind focused.

Affirmations are positive statements you repeat to yourself daily to transform limiting beliefs. For example:

“I welcome financial abundance into my life”

“Money comes to me easily and frequently”

“I am capable of achieving my financial goals”

At first, I felt silly doing these exercises. But over time, they helped erase negativity and instill empowering new money beliefs.

Confronting Money Fears and Anxieties

One of the biggest obstacles for me in changing my money mindset was overcoming deep-rooted fears.

I realized I often made money decisions from a place of fear rather than logic. Things like:

• Fear of investing and losing money
• Fear that I didn't deserve more financial success
• Fear that I would be judged for earning more money

The first step was identifying these inner money fears. I asked myself:

• What's the absolute worst case scenario if I take this financial risk?
• How likely is that worst case actually happening?

Often, the worst case wasn't nearly as bad as my anxiety assumed. And taking small risks proved I could handle it. This helped me move past limiting fears to more empowered action.

Here are 50 positive money affirmations to get you started:

1. I am a magnet for financial abundance and prosperity.
2. Money flows to me effortlessly and abundantly.
3. I am worthy of wealth and financial success.
4. I am grateful for the abundance that surrounds me.
5. I attract opportunities to increase my income and wealth.
6. My financial possibilities are endless.
7. I am a wise and responsible steward of my money.
8. I release all limiting beliefs about money and embrace abundance.
9. Every day, in every way, I am becoming more financially empowered.
10. I deserve to live a life of financial freedom and abundance.
11. I am open to receiving unexpected financial blessings.
12. I have a positive relationship with money, and it serves me well.
13. I attract lucrative and fulfilling opportunities to grow my wealth.
14. Money is a tool that allows me to create the life I desire.
15. I am capable of earning, saving, and investing large sums of money.
16. My income is constantly increasing, and I am financially secure.
17. I am in control of my finances and make wise financial decisions.
18. Money comes to me from multiple sources and in unexpected ways.
19. I am aligned with the energy of abundance and prosperity.
20. I attract wealth and abundance effortlessly and joyfully.
21. My bank account is a reflection of my positive money mindset.
22. I am surrounded by individuals who support and encourage my financial success.
23. Financial success is my birthright, and I claim it now.
24. My wealth grows exponentially as I help others succeed.
25. I release all fear and doubt about my ability to attract money.
26. Money is a positive force in my life, and I use it wisely.
27. I have a healthy relationship with money, and it brings me joy.
28. My financial goals are achievable, and I am taking consistent action towards them.
29. Abundance is my natural state, and I allow it to flow into my life.
30. I am a money magnet, and I attract wealth effortlessly.
31. I am financially independent and live life on my own terms.
32. Money is a tool that empowers me to make a positive impact in the world.
33. My financial success inspires others to believe in their own abundance.
34. I am open to receiving large sums of money with gratitude and grace.
35. My income increases steadily, and I am financially thriving.
36. I am deserving of all the financial abundance that comes my way.
37. My bank account is constantly growing, and I am financially secure.
38. I am financially free and live a life of unlimited possibilities.
39. I attract lucrative opportunities that align with my passions and values.
40. I am grateful for the abundance that flows into my life effortlessly.
41. Money is a positive and empowering force in my life.
42. I am a money magnet, attracting wealth and success in all areas of my life.
43. I am a master at managing and multiplying my money.
44. Financial abundance is my birthright, and I claim it fully.
45. I release all beliefs that limit my ability to attract wealth and success.
46. I am open and receptive to new streams of income and opportunities.
47. I am a wealth-conscious individual, and I attract wealth effortlessly.
48. Money comes to me easily and frequently from unexpected sources.
49. I am worthy of living a life of financial freedom and prosperity.
50. I am grateful for the abundance that flows into my life, and I use it wisely.

Budgeting Basics for Financial Empowerment

A huge part of my money mindset shift was simply learning how to budget effectively and manage my finances responsibly.

Here are some budgeting basics I learned:

• Track all expenses for 1-2 months to understand spending habits. Use a budget app or spreadsheet.
• Make a realistic budget aligning expenses with income and financial goals. Don't over restrict.
• Prioritize essentials, saving, investing, and paying down debt before discretionary spending.
• Automate saving transfers right when you get paid, so the money is “out of sight”.
• Reassess the budget monthly and make adjustments as needed. Your needs will evolve.
• Use spare change apps to automatically invest minor amounts you won't miss. It adds up!

Learning financial basics like budgeting gives you control and expands possibilities. You realize you have the power to direct where your money goes.

Investing in Your Greatest Asset – You!

An important part of my money mindset shift was realizing I needed to invest in my greatest asset – myself!

Here are some ways I invested in my earning potential:

• Taking courses to improve my skills and expand my offerings
• Hiring a mentor to guide me in starting my business
• Investing in high-quality tools and software to work more efficiently
• Blocking out time for self-education through books, videos, podcasts
• Paying for networking opportunities and conferences in my field

Of course, I also focused on investing for long-term stability:

• Setting up automatic retirement account transfers
• Researching smart investments like index funds and ETFs
• Meeting with a financial advisor to create a tailored investment strategy

When you priorities investing in yourself and your future, your mindset changes. You're playing the long game and know short-term sacrifices pay off.

Celebrating Your Financial Wins and Staying Motivated

Celebrating your financial wins is crucial for staying motivated on your financial journey. Take time to acknowledge your accomplishments and reward yourself for reaching your goals. Also, stay motivated by surrounding yourself with positive influences, reading books on personal finance, and attending financial seminars.

Cultivating a Positive Money Mindset

Your relationship with money has an immense impact on achieving financial goals and living abundantly.

By getting clear on your current money beliefs, catching negative self-talk, practicing gratitude, setting SMART goals, budgeting effectively, investing in yourself, and celebrating wins, you can nurture a positive mindset.

When you change your money mindset from scarcity to opportunity, fear to possibility, and self-doubt to confidence, your financial reality transforms.

You realize you have the power to direct your financial life in alignment with your dreams. Limiting beliefs dissolve and everything opens up.

While cultivating this mindset takes commitment, the rewards are beyond measure – freedom from financial stress, pride in your progress, a sense of confidence and control.

You have the ability to create financial success and security. Be patient with yourself and focus on progress, not perfection.

Surround yourself with supportive community, mentors and resources to stay inspired. You've got this! Now go create the money mindset and financial future you deserve.

Bonus Money Affirmation Wallpapers