The beliefs we have about money greatly influence our actions with money – how we seek it, spend it, and even avoid it. Here are a list of beliefs and affirmations to help cultivate a healthy attitude toward money and how we use it in our everyday lives.


50 Healthy Beliefs About Money

  • The only authentic way to make money is to create value in other people’s lives.
  • Money is just a tool, it is up to me how I use it.
  • I can make money and still be a moral person.
  • I need not feel envious of those who make more money than me.
  • I need not feel guilty when I make more money than others.
  • I can get paid for doing things that I enjoy and have a passion for.
  • I understand that there are other values in life than just material things.
  • I have the knowledge and capabilities to create value in other people’s lives.
  • I am willing to help out those who are less fortunate to me.
  • Every time I spend my money on something I am making a vote for the kind of world I want to live in.
  • I donate to non-profit organizations and charities that I believe in.
  • I am capable of providing for my family and friends if I work hard.
  • I am always open to new job opportunities and ways to make money.
  • I step back and reflect before making impulsive decisions about my money.
  • I don’t fall for advertising, commercials, and branding.
  • If I know what I want, I’ll be patient until I find a good deal.
  • I will avoid growing debt by making small changes in my budget when needed.
  • I take advantage of good deals at thrift stores, garage sales, and flea markets.
  • I will maintain an emergency fund for unpredictable and unfortunate times.
  • I will maintain a luxury fund for vacations and nice things.
  • I won’t be a hoarder. I’ll sell, donate, or get rid of stuff I no longer use or value.
  • I own money, it doesn’t own me.
  • I am open to learn from friends, family, and coworkers who I look up to financially.
  • I know that money doesn’t come out of thin air and that I have to take action to make it a reality.
  • I try my best to never sell myself short.
  • I’m willing to negotiate and bargain if I feel a deal isn’t fair.
  • I reject consumerism. I don’t buy things just to show off to my friends or neighbors.
  • I deserve to be financially successful and independent.
  • What I do with my money is more important than how much I make.
  • I recognize the importance of savings to financial growth and stability.
  • I am willing to ask others for help when I need it.
  • I am open to branching myself out, I won’t necessarily limit myself to just one career or job.
  • Trading with others is a way of sharing wealth and making the world a better place.
  • I’m not afraid to take small risks every now and then.
  • I use my money as a force for good.
  • I am open to opportunities that I haven’t even thought of yet.
  • It is healthy to enjoy luxury and leisure every now and then.
  • I am always open to new knowledge to improve the way I manage my money and investments.
  • I am a smart consumer who avoids spending biases.
  • I don’t buy things I don’t really need or can’t afford.

  • My value as a person isn’t determined by my net income.
  • I am always looking for new and creative ways to help people.
  • I surround myself with supportive friends and family who are willing to help me during tough times.
  • I see difficult financial times as temporary. I will learn from my mistakes and move forward a smarter person.
  • I don’t stress out about money, I just take action.
  • When I create value for others, I get value back in return.
  • When I make the right decisions, my money grows exponentially.
  • I give back to society.
  • I don’t settle for jobs that I don’t enjoy or don’t align with my values and passions.
  • My financial wellness is a constant work-in-progress.
  • I must believe in the value of myself before other people will see the value in me.
  • I work with businesses and organizations that I am happy to work for.


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