152 Money Affirmations For Abundance And Wealth

“I am” affirmations for money are so helpful. When I graduated college in 2015, I had $60,000 of student loan debt. 

After a lot of learning and side hustling, I was able to pay off my debt in about 4.5 years. Affirmations helped me stay focused, hopeful, and determined, even when times were really tough and I felt like giving up – which happened a lot!

Whether you are investing, trying to save, trying to pay off debt, or if you just want to stick to a budget, saying “I am” affirmations for money to yourself will help you stay positive on your money journey.


What is an affirmation?

Affirmations are statements you say to yourself, usually in the present tense. These particular affirmations start with the words “I am” but affirmations can be in any form that you like, as long as they are written in the first person and in the present tense.

This post has over 150 “I am” affirmations for money (or money mantras) to help you have confidence on your money journey.


How will these affirmations help me?

First, choose an affirmation or a few that really resonate with you and where you are with your finances.

Once you find the one(s) you like, you can say them aloud to yourself, or write them down. You can write them every day in your journal, say them out loud, or say them in your head.

Find a way to use your “I am” affirmations for money that is comfortable for you.

Then, the more you say them, the more you will feel their power. Watch as your confidence rises and you become more hopeful the more you practice your affirmations. Being consistent with your affirmations is key!


This post is all about 152 “I am” affirmations for money.

money affirmations that work instantly


Wealth Affirmations 

These daily affirmations will help you believe in yourself throughout your wealth building journey.


Positive money affirmations for wealth building

1. I am more than capable of building my own wealth.

2. I am determined to be an independent woman financially.

3. I am destined to be financially stable.

4. I am going to do whatever it takes to be financially stable.

5. I am surrounded by people who want to see me succeed.

6. I am determined to increase my assets.

7. I am determined to decrease my liabilities.

8. I am thankful for all of the money lessons that I have learned so far in my life.

9. I am proud of myself for taking my money matters into my own hands.

10. I am certain I will always have enough money to take care of myself and whoever/whatever I am responsible for.

11. I am full of positive thoughts whenever I think about my money situation.

12. I am always improving my money situation.

13. I am always attracting a lot of money into my life.

14. I am worthy of wealth.

15. I am an excellent money manager.

16. I am worthy of an abundant future.

17. I am attracting so many financial blessings.

18. I am grateful for financial prosperity.

19. I am looking forward to my financial future.

20. I am excited for my prosperous life.

21. I am going to live out my wildest dreams.

22. I am not going to let a scarcity mindset rule my life.


Affirmations for financial goals to build wealth

23. I am going to hit my financial goals this year.

24. I am determined to create a better financial future for myself.

25. I am so proud of how far I have come with my goals.

26. I am eager to see where my hard work takes me.

27. I am excited about my financial goals and I can’t wait to hit them.

28. I am no longer looking back on financial mistakes, only looking forward.

29. I am not going to let anyone or anything hold me back from living the life that I want to live.

30. I am working hard to hit my financial goals.

31. I am working hard to improve my financial situation.

32. Every day I am working hard to reach my money goals.

33. I am not thrown off course due to negative emotions. 

34. I am great at financial planning.

35. I am on my way to living my dream life.

36. I am worthy of an abundant life.

37. I am going to revisit my goals on a daily basis.

38. I am in control of my financial life.

39. I am going to be a massive success financially.

40. I am confident that I am on the right path.

41. I am building a healthy relationship with my money.

42. I am not going to let money obstacles get me down.

this post is about 152 money affirmations

Investing Affirmations

43. I am worthy of investing my money.

44. I am not scared of investing.

45. I am willing to learn how to invest.

46. I am willing to spend the time it takes to build my financial future.

47. I am not afraid to learn something new.

48. I am so proud of myself for starting to invest.

49. I am going to continue to invest for as long as I can.

50. I am so glad that I started investing when I did.

51. I am setting myself up for success.

52. I am so pleased with how much I have invested so far.

53. I am excited to see how much my investments grow over time.

54. I am on my way to financial freedom.

55. I am bound to make a positive impact with my investing efforts.

56. I am hitting my money goals thanks to investing.

57. I am so grateful for my investing skills.

58. There may be a learning curve with investing, but I am doing my best.

59. I am learning how to invest better with each passing day.

60. I am so glad that I invest a little bit with each paycheck.

61. I am going to have a positive mindset when it comes to investing.


Money abundance affirmations 

62. I am attracting money.

63. I am always finding money in the most unexpected places.

64. I am a money magnet.

65. I am worthy of all of the money that I desire.

66. I am so eager to watch the money flow to me effortlessly.

67. I am igniting the law of attraction in my everyday life, especially when it comes to money.

68. I am confident that manifesting is a powerful tool, and I will manifest great finances for myself.

69. I am thankful for my abundance mindset when it comes to money.

70. I am worthy of abundance and I don’t focus on scarcity.

71. I am the poster child for financial abundance.

72. I am certain my bank account balance will be the highest it’s ever been this year.

73. I am ridding myself of negative thoughts around money.

74. I am attracting large sums of money at all times.

75. I am attracting money in unexpected ways.

76. I am attracting financial success.


Debt Affirmations

Do you have debt? If so, you’re not alone! Here are positive affirmations for debt that’ll help you with your goal of becoming debt free.


Affirmations For Car Debt

77. I am capable of paying off my car debt.

78. I am very good at paying off my debt.

79. I am very good at following a budget that helps me pay off my car debt.

80. I am responsible for my car debt.

81. I am certain I won’t rack up more car debt in the near future.

82. I am taking the first step toward paying off my car.


Credit Card Debt Affirmations 

83. I am learning what it means to have debt.

84. I am learning how to use a credit card responsibly.

85. I am becoming more aware of just how powerful interest really is.

86. I am cognizant of my credit card choices.

87. I am aware that opening credit cards coulda affect my credit score.

88. I am aware that I don’t need to buy everything that I like.

89. I am capable of appreciating things from afar without buying them.

90. I am much happier when I save up for something rather than buying it before I have the money.

91. I am aware that I should use my credit card unless I am able to pay for the thing in cash.


money affirmations for building wealth


Student Loan Debt Affirmations

92. I am capable of paying off my student loans.

93. I am following in the footsteps of other individuals who have paid off their student loans before.

94. I am worthy even if I have a lot of student loan debt.

95. I am aware that student loan debt grows quickly, and that’s why I’m taking it seriously.

96. I am not going to incur any more student loan debt.

97. I am trying my best to pay off my student loans.

98. I am grateful for my education.

99. I am fully aware that without my student loans, I could not have attended college.

100. I am grateful for my student loans.

101. I am learning so much about having debt from my student loans.

102. I am learning valuable life lessons in this process.

103. I am hopeful for student loan forgiveness.

104. I am taking matters into my own hands just in case I don’t get any student loan forgiveness.

105. I am taking matters into my own hands and getting control of my financial future.


Affirmations For Mortgage Debt

106. I am so grateful that I have my own home.

107. I am going to try to pay off my home as quickly as possible.

108. I am fully aware that paying off my home will take a good chunk of time.

109. I am not going to put too much pressure on myself while paying off my home.

110. I am grateful that I was able to buy my own home.


Saving Affirmations

Are you struggling to save money? Don’t worry, I’ve been there, too. Here are some amazing saving money affirmations that will encourage you to stay on track.


Affirmations To Help You Save

111. I am more than capable of saving money.

112. I am excited to challenge myself with a savings goal.

113. I am not afraid of failure when it comes to my savings goals.

114. I am well aware that I learn, even if I somehow fail.

115. I am going to save as much money as I need to.

116. I am going to feel secure with my savings.

117. I am going to build the best emergency fund that I have ever had.

118. I am looking forward to establishing multiple sinking funds.

119. I am so proud of my savings goals.

120. I am saving so that one day I can reach financial independence.

121. I am radiating positive energy when it comes to conquering my savings goals.

122. I am confident that my savings goals have me on the right track.

123. I am saving to reach my financial dreams.

124. I am saving now to make my future self proud.

125. I am taking positive actions to reach my savings goals.

126. I am going to save money successfully.

127. I am proud of myself for trying to save money and better my life.

128. I am saving to bring my life more peace.


Budgeting Affirmations

Want to budget, but you’re having a hard time? If you need help budgeting, check out this post on the zero-based budgeting technique. At the same time, use any of these “I am” affirmations for money to stay focused on your budgeting.


Budgeting Affirmations 

129. I am becoming better at following my budget.

130. I am going to make a realistic budget.

131. I am not going to beat myself up if I go over my budget.

132. I am going to give myself grace if my budget doesn’t go as planned.

133. I am going to create a “buffer” category in my budget to give myself some flexibility.

134. I am pleased with how I set my budget up.

135. I am following my budget as best as I can.

136. I am grateful that I learned how to create a budget.

137. I am going to spread the news of how much my budget has helped me.

138. I am aware that my budget is meant to help me, not constrict me. 

139. I am so happy that my budget will set me up for financial success.

140. I am eager to see how far I get this year with my financial goals thanks to my budget.

141. I am grateful for my budget.

142. I am at peace thanks to my budget.

143. I am confident that budgeting will get easier the more I do it.

144. I am confident that I will get better at setting up my personal budget the more that I do it.

145. I am so proud of my budgeting skills.

146. I am always budgeting on time.

147. I am budgeting to reach my financial goals.

148. I am budgeting to improve my financial situation.

149. I am proud of my budget and I know it is a powerful tool.

150. I am surrounded by financial abundance.

151. I am budgeting to create a better life for myself.

152. I am budgeting because it helps me align with my core values of being in control of my money.


This post was all about 152 “I am” affirmations for money.


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A few years after graduating college, Taylor made it her mission to become debt free. After paying off all $60k of debt, she began to blog about what she's really passionate about: personal development. Nowadays, Taylor blogs about the topics of Mindset, Money, Health, and Career for women. Read more about Taylor here.

"It's Per$onal" is a super popular and anonymous blog series about the personal lives and finances of women all over the world. Check it out!

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