Cultivate Financial Abundance Lifestyle

Positive Money Affirmations for a (Previous) Shopaholic with Loads of Debt

Friday 15 June 2018

Positive Money Affirmations

Let’s talk about money! Some money-critics say, “you don’t need money to buy happiness” or “money is evil” or “money changes people”… but I disagree. I’ll take this time to shamelessly admit that I love money.

Why not love it? Having enough money allows us the freedom to live without worry about our basic necessities like putting a roof over our heads, nourishing our bodies with healthy food, and living a wholesome life free from stress about financial responsibilities.


I am appreciative of every dollar I make because I know what it’s like to make nothing.

I know what it’s like to work for free.

I know what it’s like to question whether I should spend my last dollars on gas or food.

I know what it’s like to make a decent amount of money, yet still suffocate in debt because of student loans.

I had my fair share of date nights with piles of receipts and bills that never seemed to balance out with what I earned.

I had my fair share of break downs after debt collectors called while my now-husband comforted me.


I’ve been there, and I’m never going back.


I Paid Over $10,000 in Debt in 2017

Money is a good – no, great – thing. In the last year, I was able to pay over $10,000 in credit card and student loan debt. I still have a long way to go, but I am finally in a place where I feel like I can breathe. Inhala, exhala.

I’ll definitely go in depth about my financial story someday, but long story short… I was the worst at using and applying for credit cards. I didn’t break my bad spending habits until last year when I had a wakeup call and debt collectors were calling. I had no problem making money because I always had my freelance writing and photography for years. I held multiple jobs at once, and I worked 24/7. Making money was never my issue. Keeping my money after and paying off my luring debts… there’s the rub.

After a complete lifestyle change, I got back up on my feet and actively trudge forward to complete. and. total. financial. freedom.


My Definition of ‘Financial Freedom’

To me, financial freedom means a lot of things, but I’ll best explain it in a list.

The following things have to occur for me to be financially free:

  • No more credit cards.
  • No student loan debt.
  • A built up savings account.
  • Enough money in another account for traveling at least three times a year.
  • Investments are made.
  • Able to reasonably buy whatever I want if I really want it.
  • Not living a paycheck-to-paycheck life.
  • Able to give back to my parents for all they’ve done for me.
  • Obtained expert habits to save money long-term.


Finances on Fridays

Today’s blog post is about money mainly because it is pay day! WOOT WOOT! I like to balance my books on pay days (Fridays). I do this for two very important reasons: (1) to level out my intense “Road to Financial Freedom” spreadsheet (yes, that is the title of my spreadsheet), and (2) to keep myself in check and stop myself from repeating old spending habits whenever I see large sums of money in my bank account.

I’m not entirely where I want to be in terms of financial freedom, but I’m getting there.

My secret to getting this far in such a short amount of time are my positive money affirmations. I have these written in my phone, and I read them when I do my finances to remind me that I’m almost there. I read my affirmations as a reminder that the universe is on my side and I deserve the comfortability that money has to offer. So, I hope these help you as well…


My Favorite Positive Money Affirmations

I live each day appreciating value.

I’m feeling open to receiving abundance.

I choose to enjoy accepting payment.

I’m taking financially rewarding opportunities.

Money is coming to me with little or no effort.

I live confidently knowing I am worthy of prosperity.

I enjoy working and being paid well.

I see myself living a life of financial security.

I am actively and passively making money.

The universe is conspiring to make me wealthy.

I have everything I need including money.

Affirmations motivate me to become rich.

Wealth constantly flows into my life.

I am worthy of positive cash flow.

My actions create constant prosperity.

It’s safe for me to be a rich, powerful woman.

There is always more than enough.

I deserve to be well paid for my skills and my knowledge.

Money always finds its way to me.

I feel like a million bucks.

I naturally attract good fortune.

I have a great relationship with money; it loves me and fills my pockets.

I give myself permission to be prosperous.

I am aligned with the energy of abundance.



love and abundance,
Rachel Torrelino

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1 Comment

  • Reply
    Rachel Torrelino
    Friday 15 June 2018 at 9:20 PM

    Are you in a financial rut?
    I hope you take some of these positive money affirmations with you!
    Which ones stick out the most for you? 💛

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