As we continue on our journey towards debt freedom, we must begin to speak positively into our finances. Thoughts become words, words become actions, and actions become habits. Instead of using negative phrases such as "I can't afford" or "I'm broke," add some positive flare and say "I'm saving up for" or "I'm temporarily out of cash!" Whether or not your money habits will help or hurt your progress towards financial freedom all depends on your initial thoughts. This is why I love to start the day off saying "Today, I choose to be wealthy!" It brings my financial goals to my conscious, and I'm more sensitive to the purchases that I make throughout the day. If you continue to do that on a consistent basis you will start to notice an "increase" in your finances. The money was there all along, but now you're in control over your impulses to spend, and creating better money management habits. Here are a few other quotes that you can use that I've adapted from the book "Secrets of a Millionaire Mind" by T. Harv Eker:
- "I have a millionaire mind!"
- "I focus on building my net worth!"
- "I am an excellent money manager!"
- "I commit to being rich!"
- "I create the exact level of my financial success!"
- "I choose to adapt new ways of thinking that support my happiness and success."
Now, you have to truly believe in the above statements. No matter how many times you say something positive, if a negative thought follows, they'll cancel each other out. You'll need to repeat the positive phrase again so that the positive action will follow. It may take some getting used to at first since we're attempting to change behavior, but keep at it and your actions will eventually follow.
Whether you choose one of the phrases above or come up with your own, pick something that will encourage you. For the next 21 days repeat it aloud at least once a day. Put it on a post-it note at home or at work, or set an appointment on your cell phone if you have to. Observe the actions that follow the words that you say. Did you save more, spend less, open a savings account, set new goals, stay on or below budget, etc? So go ahead and pick your money mantra, and speak your way into financial freedom!
Change requires action!