Money mantras can transform your money mindset and set you down a path to financial success. Try to incorporate one of these money mantras (or make up one of your own) into your life to see how your financial viewpoints, confidence, and goals improve.
If “money mantras” sounds like nothing more than a fancy play on words to you, then you’re definitely not alone.
We hardly hear much about money mantras in the stressful sphere of personal finances because honestly, who has the time for something that sounds like it’s made for elite social media influencers who do water yoga and drink matcha lattes all day?
I was in the same boat as you a few years ago because I did not fully acknowledge the importance of psychology and mindset as it relates to managing finances.
However, a constant sense of positive self-reinforcement has changed my financial life for the better, and I am so excited to share some examples of money mantras with you.
Have you ever felt your mood instantly improve when someone compliments you? Adversely, have you ever had your day ruined by someone’s rude words? I bet each of us has let other people’s words affect our lives in some way. So, if other people’s words can have noticeable effects on our lives, what can OUR words do for us?
The truth is, only we have the power to be the cheerleaders that we need in our financial lives and having some mantras can help with that tremendously.
We can be the force that improves our confidence with money and transforms our financial mindset and attitude; we can take these steps to put us on the path of financial success.
So what exactly is a money mantra?
A money mantra is simply a string of words that one repeats aloud or quietly several times throughout the day that allows you to manifest your financial goals in a self-encouraging way.
The underlying psychological principle behind it is – the more you hear it, the more you’ll believe it!
Think of financial management as running a marathon and your money mantra as that voice in your head telling you, “You got this! Just one more mile.”
Now that you know about (and hopefully are open to) money mantras, let’s discuss some specific ones you can use depending on your particular financial goals!
Mantras to help you earn more money
1. I deserve more money for my talents and efforts.
This mantra is especially relevant for those of you who feel like the amount of money you make is not representative of the amount of work you put in, regardless of your profession.
Telling yourself this repeatedly allows you to believe in yourself and gives you the confidence to stand up for yourself.
This might be in the form of finally asking your boss for that raise or even switching jobs, so you earn more and feel more valued for your contributions.
2. I am great at *insert skill* and deserve to be paid for it.
This is for those of you who are particularly skilled in specific areas such as photography, knitting, writing, woodworking, dog training, etc. and are always asked to “help” out friends and family for free. It’s time to start charging for your services because there is clearly a demand for them.
3. I have the power and knowledge to build an empire.
This is for everyone who has a great business idea but is afraid to make the leap.
There could be many things holding you back from a life of entrepreneurship. Reciting this mantra over and over again could help you to eradicate those hardships systemically.
4. Making money is easy.
Now, this is for those of you who are fed up with how you’re making money. It helps to get a new perspective and understand that making money doesn’t have to be as hard as you’re making it out to be. Why is your job hard? Because of a dismissive boss? Because the task is too repetitive? What can you do to remove those obstacles and reinforce your ease of making money?
This mantra also helps reinforce the idea that your talents are valid, and it’s not hard for you to make money, regardless of where you are and what you’re doing. This belief, in turn, allows you to take risks that others might not be willing to take.
Mantras to help you save more money
5. I owe myself a better future.
This mantra is vital for people who are independent and on their own.
You don’t need anyone else for financial security because you can save up to give yourself a comfortable life.
If you ever choose to spend your life with a partner, it won’t be for financial reasons. You are securing your future by saving your own money.
6. I will have a *big-ticket asset* by *a certain date*
If you have a specific savings goal, such as buying a car, saving for a down payment on a house, or paying off some debts, then this mantra is the perfect one for you.
This is a bit more specific than all the other ones because it helps to focus your financial efforts and savings towards a particular goal.
Giving yourself constant reminders about why you need to save will make it easier for you to save as well.
7. I deserve the best money can buy.
This mantra is for the shopaholics who often find themselves purchasing affordable low-quality products that stop working within a few months.
Reciting this helps you believe that you deserve the best quality products, and because those can be more expensive, it is worthwhile to save up for them.
8. I can save money.
Honestly, some of us just don’t believe that we can save money. Perhaps we’ve never tried, or have never been successful (yet!).
However, this mantra will strengthen your self-confidence in your ability to save your money. Maybe it could motivate you to open up a savings account and set up features such as automatic monthly transfers to savings.
Mantras to help improve your relationship with money
9. My money can lead to happiness.
We’ve all heard the age-old saying “money can’t buy happiness”, and while that’s true to a certain extent, you need to know that spending money on yourself can and should result in some happiness to you and there is nothing wrong with that.
This mantra is for all those people who feel bad for spending on themselves. It is totally okay to feel happy when you treat yourself to a spa day or buy the latest phone for yourself, or when you hit a big financial goal like buying a new car or house.
10. I am worthy of all the wealth I have.
Some people suffer from imposter syndrome when they start making more money than usual because they feel like they don’t deserve it.
This is particularly relevant for those who come from families where money was abundant and you struggled to get the necessities. This kind of thinking can be detrimental to your relationship with money, and so you need to keep telling yourself that all the money you make is well-earned, and you deserve it all.
11. My money is mine alone.
This is for people who struggle with saying no when others ask for money. It’s okay to help out friends and family sometimes, but it is never okay to be a financial doormat who is always ready to lend money to others.
This mantra will help you gain ownership of your money and prevent you from feeling like you owe it to anyone to share with them, especially if you’re not in a position to do so without jeopardizing your needs.
12. I attract more money every day.
Have you ever felt like all your money was somehow going to go away? This fear might be the result of your upbringing, a bad money experience, or just a fearful money mindset.
This mantra will help you realize that every day you work means more money for you, and there is now an endless supply of money for you to tap in to.
Start using money mantras today
If any of these mantras sound like something you need, start to incorporate them into your life today. It’s literally just as easy as taking out a few minutes to consciously repeat these to yourself out loud.
However, keep in mind that these are mantras meant to improve your headspace, not magical spells that can automatically change your life.
The actual changes can only happen if you choose them. But these mantras are a great way to start building up the confidence to improve your financial habits.
What is your money mantra?
