Debt might feel like a burden on our shoulders. It’s hard to always worry about bills and payments. By 2020, it is anticipated that 80% of Americans will have consumer debt. That means just over 20% of Americans are debt-free!
It’s a difficult concept, but not all debt is bad. You only need to know how to use it.
But that is not what we want to talk about today.
In this post, I’ll share a list of affirmations for clearing debt to help you get started on your debt-free journey.
We can start to change our attitudes about money and debt by using unique phrases known as affirmations.
When it comes to getting out of debt, affirmations can be really helpful when we begin to believe them. The negative thoughts and fears start to dissipate, and we feel more hopeful and in control. Affirmations keep us motivated to stick to our debt repayment strategy, even when it is difficult.
They point us toward a future where we don’t have to worry about money all the time. instead, we might feel confident and free. All it takes is making affirmations a daily practice. If we remain committed, we can finally be debt-free.
Now let’s get going!
Affirmations for Clearing Debt
1. Each day, I reduce my debt by staying organized and in charge.
2. My money consciousness is always growing, and I find myself surrounded by money.
3. I’ll soon be able to be debt-free.
4. My spending is now sensible and meaningful; it has a purpose.
5. My debt doesn’t control me.
6. I go from poverty to a prosperity mentality, and my finances reflect this shift.
7. I’m open to new ways to make money and pay off debt faster.
8. I create wealth and enjoy a wonderful life of faith, love, and family.
9. My debt-free desire is not about myself, but about those I love and care for.
10. I am a good steward of my money and abundance.
11. Each day brings me closer to being debt-free.
12. I’m putting together a three-month emergency fund to protect myself.
13. I will make the required lifestyle changes to live free.
14. Maintaining an organized and frugal lifestyle becomes easier every day.
15. I’m getting better at controlling my expenditures and paying off my debt.
16. I welcome change in my life and am prepared for the benefits that come with it.
17. Saving money and being debt-free will be a great place to be.
18. Financial health is vital to me, and I’m making decisions that reflect that.
19. Every day, as I work toward financial freedom, I learn more about myself and my finances.
20. Each payment I make moves me closer to financial freedom.
Read more: 120 Powerful Mindset Affirmations for Successful Life
21. Instead of wondering where my money went, I instruct it where to go.
22. My heart and intellect are open to new opportunities for wealth and prosperity.
23. I will do whatever it takes to be debt-free and financially secure.
24. I develop a positive relationship with money, inviting prosperity into my life.
25. I control my money, my money does not control me.
26. My bank account contains more than enough money.
27. When I become debt-free, I will no longer use debt since I will be free of its influence.
28. Money allows me to live a life I love, provide for my family, and help others.
29. Overcoming my debt is the first step on my way to financial success.
30. I trust myself to make smart financial decisions.
31. I have a plan to get out of debt and I am executing it daily.
32. I consistently have more money coming in than going out.
33. My mind is highly focused on getting out of debt.
34. I let go of my anxiety, humiliation, guilt, and rage over money.
35. I always find a way to put money into my savings.
36. I make prudent financial choices and can manage money well.
37. My family is supportive of my goal of being debt-free.
38. I quickly learn new techniques to earn a lot of money.
39. My mind is an effective tool for repaying my debts.
40. Money is attracted to me, and I am attracted to it.
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41. Having no debt is a great relief!
42. I will put my wants aside to meet my needs.
43. Being debt-free frees up my income and cash flows.
44. I am neither a borrower nor a slave to any lenders.
45. I have a strong debt-free mindset and good practices with money.
46. While on this adventure, I’m getting to know other people who share my interests.
47. I realize the dangers and challenges of debt on mental health and well-being.
48. I ensure that I will not give up on my journey to financial freedom.
49. I am committed to paying on time every time.
50. My finances benefit not only me but also others.
51. I am devoted to living a debt-free life.
52. I’ve had more money coming in than going out.
53. I can easily imagine what it will feel like to be debt-free.
54. I use my skills and talents to earn more income.
55. I know that I deserve to be completely debt-free.
56. I can pay all my payments and yet have enough money to do whatever I want.
57. I am starting to get out of debt.
58. Every day, the Universe gives me a new opportunity to make money.
59. I’m open to new strategies to save money and pay off debt faster.
60. I am very thankful to have enough money to live my dream life.
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61. I am debt-free. Money is always coming into my life.
62. I’m getting out of my own way with money.
63. Being without loans and financially stable makes me happy.
64. Abundance is coming; I deserve and accept it.
65. My debts are going away as I speak.
66. Every dollar I spend and donate is returned to me multiplied.
67. I’m excited and determined to be entirely free from debt.
68. I am confident in my capacity to use the money that comes into my life to achieve my financial goals.
69. I find the positive in my money situation.
70. I love money because it loves me.
71. My debts are getting smaller and smaller.
72. My finances do not worry me because I have a plan.
73. Peace of mind and freedom will come from being debt-free.
74. With time, I will achieve all of my financial goals.
75. I am determined to pay off all debts that do not benefit me in my life.
76. I have the ability to establish a foundation of financial literacy.
77. I let go of all debt-related shame.
78. I have enough money to enjoy my daily life.
79. My decision to a debt-free life will benefit all areas of my life.
80. I feel that there is enough money for everyone.
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81. I will no longer let my debt fill my mental space.
82. I have the power to be a financially successful person.
83. I am doing whatever it takes to eliminate debt.
84. My future self will thank me for saving money.
85. My mindset is focused on freedom from debt.
86. I spend money on things that are important to me, not to others.
87. Every dollar I spend brings me closer to a debt-free future.
88. I track my spending and stick to a budget.
89. I have tremendous willpower to spend only what I need to spend.
90. Negative emotions regarding money do not help me achieve my financial goals.
91. I am grateful I paid off my debts fast.
92. Money can help me expand my opportunities in life.
93. I now encourage others to lead debt-free lives.
94. I am capable of designing my life exactly how I want it.
95. I’m grateful that I realize the disadvantages of debt.
96. I use money to positively impact the world.
97. I welcome abundance into my life and say goodbye to debt.
98. I believe wealth is a key part of my life.
99. Others understand that I am always responsible for my finances.
Read more: 100 Powerful Affirmations for Peace and Happiness
Conclusion
I hope these debt-free affirmations help you get into a productive and proactive mindset to work on your goals and dreams.
When we affirm our ability to pay off debts and achieve financial freedom, we start to internalize that reality. Affirmations keep us focused, motivated, and moving forward, even when the path ahead seems daunting.
We often tend to forget about our own mental and physical well-being while worrying too much about the future or fulfilling our dreams, so make sure to take good care of yourself in the present moment!
Though clearing debt takes time and effort, affirmations provide the mental and emotional fuel to make meaningful progress, step-by-step.
Wishing the best for you always… The future of financial wellness is yours to create!
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