By Chloe Daniels / 7 minutes of reading
Are you ready to tackle your debt and live a debt-free life? Awesome! Let’s get you started!
Speaking from personal experience, I know how overwhelming it can be to look at those numbers on a statement and think to yourself “How will I ever get out of debt?”
Well, it starts with your mindset and a commitment to yourself that you honor every day.
As of 2020, it’s estimated that 80% of Americans have consumer debt. That means that less than 20% of Americans are debt-free! In this post I will list 100 debt free affirmations to get you started on achieving your goal of being debt-free.
How to Use Debt-Free Affirmations
Below is a list of 100 debt-free affirmations, but what do you do with them? I suggest starting with 2-5 minutes of saying the debt-free affirmations to yourself each day. The purpose is to instill confidence and get into the habit of saying these powerful and positive messages to yourself.
We know there is scientific evidence that saying positive affirmations has a load of benefits (including decreasing health-damaging stress).
For me, it’s important to understand WHY I am doing something so that I am more likely to do it. When it comes to saying debt-free affirmations, one insight has helped me the most: Observational Selection Bias.
Put simply, it’s your brain’s bias toward recognizing something more once it’s been pointed out.
I believe that saying these affirmations out loud and focusing on the words as you say them will allow you to fully absorb the messaging. It will give your brain the signal to start looking for the truth of the message in your day-to-day life.
Just as you would with any confidence-building or self-improvement affirmations, saying these debt-free affirmations will start to change your mindset when it comes to your debt and your ability to overcome it.
Living a debt-free life will improve your confidence, lessen your stress levels and provide an overall sense of achievement.
List of Affirmations to Get Out of Debt
1. I am worthy of a debt-free and financially abundant life
2. I am in control of my spending habits
3. I release myself of all debt-related shame
4. My financial goals are well within reach
5. I can live a financially prosperous and abundant life
6. I am confident in my ability to make smart money decisions
7. I am constantly attracting money
8. I am open to receiving financial wealth
9. My debt doesn’t define me
10. I can make smart financial choices
11. I will be debt-free and financially secure
12. I am grateful for the money that flows into my life
13. I can and will pay off my debt
14. Financial health is important to me and I am making choices that reflect that
15. I can save more and spend less and feel great about it
16. I am proud of the financially responsible person I am becoming
17. My future self will reap the benefits of today’s efforts
18. I am happy building new and healthier financial habits
19. I am in control of my financial future
20. I am worthy of a financial life I can proud of
21. I attract financial abundance and prosperity
22. I am dedicated to a new life of conscientious spending
23. I am committed to make smart financial decisions each day
24. I am capable of achieving financial success
25. My finances are improving daily
26. I am worthy of a rich and abundant life
27. I can attract and seize financial opportunities
28. I am in control of my finances
29. Achieving financial wealth is inevitable
30. I am empowered to go after the financial life I’ve always envisioned
31. I am creating a life of wealth and abundance
32. I can be free of all financial constraints
33. I am actively working towards my financial success
34. Money and wealth seek me
35. I am grateful for the financial opportunities that come my way
36. I can create a rich life without debt
37. I am ready for a financially abundant life
38. I am becoming a financially savvy person
39. I am capable of achieving financial stability
40. I am empowered to live a life of financial wealth and abundance
41. I am proud of my financial achievements so far
42. I am worthy of the money and opportunities that come into my life
43. I can envision a life of financial prosperity
44. I am ready to receive financial blessings
45. I will be debt free in (number of months/years)
46. I am more financially responsible than ever before
47. I respect and attract money
48. From this moment on, I am committed to a debt-free life
49. My financial goals are achievable and I am working hard to achieve them
50. I can achieve more than I ever dreamed possible
51. Wealth and financial freedom are within reach
52. I am ready to live a financially abundant life
53. I can be responsible with my spending
54. I am grateful for the financial blessings I have received
55. I am attracting a life of financial abundance and freedom
56. I will be debt free and ready to achieve my next financial goal
57. I am intelligent and capable and can achieve financial success
58. I can earn more money and overcome my debt
59. Every day I choose to be debt-free
60. Today I will take another step toward my financial freedom
61. My financial life will be as great as I want it to be
62. I am setting myself up for wealth and financial prosperity
63. I am ready to receive whatever opportunities come my way
64. I am open to the possibility of a great financial future
65. I am confident in my ability to grow my income
66. I can easily learn to spend less and save more
67. I will continue to grow my finances and overcome my debt
68. I am capable of overcoming my financial hurdles and living my dream life
69. I am moving into the next chapter of my life, debt free
70. I choose financial security and independence
71. I am confident in my ability to live a debt-free life
72. I will not hurt myself financially with mindless spending
73. I can improve my financial situation starting today
74. I am ready to live a life of abundance in all areas of my life
75. Overcoming my debt is the first step on my path to financial success
76. My commitment to a debt-free life will benefit all areas of my life
77. I have a plan to get out of debt and I am executing it daily
78. I welcome change into my life and am ready for the blessings that come with it
79. I am grateful for the opportunity to overcome my debt and improve my finances
80. My life is full of riches and money will always surround me
81. I have the power to improve in every area of my financial life
82. I can easily pay off my debt and achieve financial freedom
83. My financial future is more important than spending on things I don’t need
84. I will prove to myself that I am capable of financial independence
85. I have the ability to generate wealth
86. I can live a happy and debt-free life
87. I will not live in fear and fully embrace the opportunities before me
88. My life will be full of abundance and wealth
89. I can overcome my debt and free myself of financial stress
90. I make financial choices that will benefit my future self
91. I am certain that my finances will continue to improve each day
92. I am capable of changing my relationship with money
93. I will forgive myself for the money mistakes I’ve made in the past
94. My income potential is limitless
95. I choose to focus on my financial path forward
96. I will create a life of wealth and financial security
97. I am prepared for a future of financial freedom and stability
98. My debt does not determine what my financial future will be
99. I will no longer allow my debt to occupy my mental space
100. I am capable and will transform my financial life and future
What Now?
As you begin to transform your relationship with money (and your thoughts about your relationship with money), you might start to notice different obstacles repeat themselves. I honestly believe that my relationship with money would not have improved if I did not improve my mindset.
Because this is such an important step in finding financial freedom, I made an entire guide on mindset, budgeting, and more that you can download for free here.
It’s important to load your toolbox. If you keep approaching the same problem with the same tools, nothing is going to change. Something as small as saying a debt-free affirmation or downloading the Money Right Guide could change your financial future.
Personally, I started by saying #5. Where are you going to start?
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