Affirmation Challenge Day 12 [Wealth]: “I’m financially abundant, and money comes to me naturally.”

This is Day 12 of the 15-Day Affirmation Challenge where hundreds of participants around the world gather to practice positive affirmations for 15 days in July 2014. The challenge is now over, but you can still do the tasks in your own time. Visit the overview page for all Affirmation Challenge tasks and posts.

Affirmation Challenge

Dear everyone, welcome to Day 12 of our 15-Day Affirmation Challenge! :D

We’ve three more affirmation tasks till our challenge ends! As we’ll be having a break day between Days 14 and 15 (just like we had the break day between Days 7 and 8), we still have four more days before this challenge concludes. Let’s make the best out of these remaining four days, shall we? :D

Here is the overview of all the posts for the challenge so far:

Now, let’s move to today’s task, which is on…

Day 12: [Wealth]

Affirmation Challenge, Day 12 [Wealth]: "I'm financially abundant, and money comes to me naturally."

 Today’s affirmation: “I’m financially abundant, and money comes to me naturally.”

Have you ever had problems with money before? Some form of worry about money, even if in a little way?

Be it not having enough pocket money to buy your favorite stationery when you were in high school; to budgeting for a major goal like your apartment rental, wedding, or first house; to worrying about whether you have enough savings to pull you through for the next month, all of us have had our share of money concerns. For some of us, our money woes may have started from when we were young, from being born in a financially constrained household. For others, our money woes may have started as we grew older and started having needs that outweighed our financial earning prowess.

Because of the increasingly important role that money plays in our society today, it’s no wonder that so many of us have negative thoughts and emotions surrounding money — be it ad-hoc worries or general negativity toward money itself. For example, back in the 1970s, my mom could buy a bowl of Wanton mee for only 10 cents. People could also buy a four-room unit from HDB (Singapore’s Housing Development Board) for just $20,000 SGD. At that time, a graduate’s starting pay was about $1,000 per month. Well, today, merely 40 years later, a graduate’s starting pay has only doubled (for a typical graduate) to tripled (if you’re a strong contender), but Wanton mee and housing prices have increased by over 25 times (ouch)! Order a bowl of Wanton mee in a hawker center and it’ll easily cost you $2.50 to $3.00 (to over $4 if you eat at the food court), while a four-room resale unit in Serangoon area can easily cost you $500,000 (that’s half a million!). And I’m sure such rapid inflation can be observed in other countries too, especially developed areas.

Still, despite the increasing financial pressure on everyone, money is not at fault here. One thing that I teach in The Passive Income System is that money is merely a neutral agent — a medium that we use to transact value. Inflation aside, in a world where everything is constant, we receive $X of money by virtue of X amount of value that we give to others. If we’re not receiving our ideal $X now, the issue isn’t really money itself, but our lack of means to earn this money (which can be tied to not having the right skills, not having figured out the mediums to earn this money, not offering value that people want, etc.)

Just like your ideal career, achieving financial abundance is a huge topic that can’t be covered in one simple affirmation task (my The Passive Income System alone is a huge six-module course filled with 10-hours of course content!). Rather, today, I’m going to get you moving towards the goal of financial abundance: by identifying your self-limiting money beliefs, replacing them, and taking steps towards your financial goal. Now, let’s get started! :D

Your Task Today

  1. Identify at least one self-limiting money beliefs that you have. Money is something that many of us have many deeply embedded (negative) beliefs about. Consider the following self-limiting money beliefs (all of which, and more, I tackle in Module 1: Money & You of The Passive Income System):
    • I hate money.
    • Money is the root of all evil.
    • If I didn’t need to deal with money, my life would be stress-free.
    • I don’t need a lot of money to live.
    • I don’t want to be rich.
    • I don’t know how to earn money.

    Select whichever belief(s) that resonate with you; write more if you like.

  2. Challenge these belief(s). All self-limiting beliefs have roots that support their existence. What are the roots for yours, and do they justify having such belief(s)? Chances are, the answer is “no.”
    • For example, someone who always thinks, I hate money, may be doing so because he/she has always struggled with money as a kid and has never been able to keep his/her money in his possession. However, does it justify having such a belief though? Maybe the issue is his/her lack of good financial habits, not money itself!
  3. Create new positive belief(s). What new positive belief(s) can you use to replace the one(s) from Step #1 with? It/They should support your financial goals (that you specified in Step #1 of yesterday’s task on ideal career). Continuing the above examples
    • I hate money. -> I love money.
    • Money is the root of all evil. -> Money is just a neutral agent; it is what we make out to be. It’s not evil.
    • If I didn’t need to deal with money, my life would be stress-free. -> Money has nothing to do with my stress. If money is giving me stress, then it’s about learning to handle it objectively and well.
    • I don’t need a lot of money to live. -> Regardless of my living needs, having more money allows me to make greater change in this world.
    • I don’t want to be rich. -> I want to be rich (so that I can pursue all my goals and dreams with no constraints)!
    • I don’t know how to earn money. -> Earning (a lot of) money is a skill that anyone, including me, can learn, starting today.
  4. Identify one positive step you can take towards your financial goal. For example:
    • Target to save 20% more than I usually do every month. (Frugality goal)
    • Read books on self-made millionaires to learn their financial secrets and practices so that I can practicing them. (Financial literacy goal)
    • Negotiate with my boss for a 10% raise as I’m currently being paid lesser than the industry average. (Income goal) – Note by Celes: In case this sounds crazy, PE reader and my personal friend Lizette has time and again negotiated for a higher pay from her company. How? By simply knowing her rights, knowing the industry standards, and knowing how to present her value artfully to her company. Here are some salary negotiation pieces that may help: How to Negotiate Your Salary @ Huffington Post | Forbes.
    • Launch a new product/service X in my business that matches my audience’s top needs. (Wealth generation goal)
  5. Say your new belief(s), along with today’s affirmation:

    “I’m financially abundant, and money comes to me naturally.”

    (If you think it’s silly to say them out loud, you can say them silently in your heart.)

I encourage you to write down your new belief(s) and today’s affirmation so that you can always see them and commit them to your heart. Repeat them every day to yourself, for as many times and as long as needed, until they become part of your default thinking.

PS: We’ve been doing a lot of mini-goal-setting for our life areas in the Affirmation Challenge. In Live a Better Life in 30 Days Program (30DLBL), the premium 30-day life transformation program at PE, you will get to work on LONG-TERM goal-setting: from envisioning your IDEAL life; to creating your life map filled with your five-year, three-year, and one-year goals; to creating your action plan to realize said goals. As opposed to the micro-life-planning which we’re doing in the Affirmation Challenge, 30DLBL is designed to help you plan out the macro-aspects of your life. If you don’t have 30DLBL yet, be sure to check it out!

Read: Live a Better Life in 30 Days Program

Affirmation Wallpaper: [Wealth]

Today’s affirmation wallpaper, for download:

Affirmation Challenge, Day 12 [Wealth]: "I'm financially abundant, and money comes to me naturally."

Download (right click and save): [1920x1080] | [1600x900] | [1366x768]

Further Reading

Share Your Results!

Share your results, check out other participants’ responses, and interact with each other in the comments section! Remember, this challenge is a community effort: by openly engaging in the discussion, not only will you help others, you’ll also help yourself.

If you think today’s affirmation has benefited you, do share it with your friends and family via Facebook, Twitter, G+, or e-mail.

Once you’re done, proceed to Day 13 here: Affirmation Challenge, Day 13 [Health]

Images: Flower, Money notes

  • https://www.facebook.com/sanctum.beauty.full.life Santas Inspirations

    I definitely fall in class ” I don’t need a lot of money to live”. Ever since I remember myself, I wanted to lead a life where I just have little more than enough to make a living and having everything I want. I used to say I don’t want to be rich. When you become rich you start to have many problems, and I don’t need them. Through different stages of my life, the financial stability of my family has changed, but my beliefs on wealth or lifestyle haven’t much. There are thing I wish I could afford to buy or do more, but same time, when I can, I feel resistance.. I feel like I need to economy, save for either “not so good days” or for some future prospects.

    I have read a lot that being wealthy is what we were all supposed to be and that not to have money circulate in our life can be compared to not having enough blood cells in our veins. It’s like a sickness caused by poor thinking habits. There is no virtue of being broke. This is a quote from OSHO: “On the one hand people will respect poverty, and on the other hand they will say, ‘Serve the poor.’ Strange! If poverty is so spiritual then the most spiritual thing will be to make every rich man, poor. Help the rich man to be poor, so he can become spiritual. Why help the poor? Do you want to destroy his spirituality? To live in abundance is the only spiritual thing in the world.”

    Wealth is not only money matters; wealth is abundance in all areas, but mostly in freedom of action. I recently heard a speech that what we have in mind is too little, “God” has bigger plans for us. This is a wonderful material to listen in order to upgrade our thoughts regardless to what our beliefs or religion is ( start with 3min 50 sec) : http://www.youtube.com/watch?v=kwsG6ee4i-4

    Here are some great affirmations I found to strengthen my new beliefs:

    1) The principle of life is towards growth, evolution and expansion. The universe is abundant and generous. So, my life grows, evolves and expands; my life is abundant and generous. I should be happy, healthy and prosperous. It is my right to be wealthy and free of material barriers. I know that money is an idea in Divine Mind. It symbolizes wealth; I recognize it as a means of exchange. I am forever conscious of my true worth. I give of my talents freely, and I am wonderfully blessed financially. It is wonderful!

    2) I am the source of all wealth. I am rich with creative ideas. My mind abounds with new, original, inspired thoughts. What I have to offer is unique, and the world desires it. My value is beyond reckoning. What the world needs and desires, I am ready to produce and give. What the world needs and desires, I recognize and fulfill. The bounty of my mind is without hindrance or limit. Nothing can stand in the way of my inspired creativeness. The overflowing power of God life energy overcomes every obstacle, & pours out into the world, blessing & prospering everyone, & everything through me. I radiate blessings, I radiate creativity, I radiate prosperity, I radiate loving service. I radiate Joy, Beauty, Peace, Wisdom & Power. Humanity seeks me and rewards me. I am beloved of the world. I am wanted wherever I go. I am appreciated. What I have to offer is greatly desired. What I have to offer brings a rich reward. Through my vision the world is blessed. Through my clear thinking & steadfast purpose, wonderful new values come into expression. My vision is as the vision of the mighty ones. My faith is as the faith of the undefeatable. My power to accomplish is unlimited. I, in my uttermost God Source, am all wealth, all power, all productivity. I hereby declare my financial freedom, NOW and henceforth forever!

    3) God’s wisdom, power, and creative energies are extended and expressed through me, just as branch of a tree is an extension of the life of the tree. I am a son of God, and inherit all the rights, privileges, and blessings of God’s riches. I center my mind on God and sense my oneness with this invisible Presence. I believe in infinite substance and infinite supply. I believe and mentally accept now that the Infinite is showering me with Its riches, bringing harmony,inspiration, blessings, and abundance into my life. I am one with my Father. His creative power is mine. His wisdom, strength, intelligence, and understanding.Infinite Intelligence directs me in all my ways, and His spirit of opulence is my abundance, success, and well-being. I open my mind and heart to the riches of the Infinite, and prosperity follows all my efforts. God and man are one. My Father and I are one.

    My action plan would be to start to live according to the abundance principles. One of them is to give away 10% of everything I have, either in small presents and gestures for my closest people, either by giving tip for the services or giving to the charities. Being more generous to everyone around as projects the image of abundance. When we freely give, we freely receive back. In terms of raising my “net worth”, we already have our savings and as mentioned in other posts, I am going to create my online shop, to make use of my skills and gain extra income.

    “I’m financially abundant, and money comes to me naturally.”

    • http://personalexcellence.co/ Celestine Chua

      I have read a lot that being wealthy is what we were all supposed to be and that not to have money circulate in our life can be compared to not having enough blood cells in our veins. It’s like a sickness caused by poor thinking habits. There is no virtue of being broke.

      Hi Santas, 100% agree and 100% love this analogy; it explains everything so perfectly. The mindset that we’re meant to be rich is exactly what I teach in my PI course as well.

      An analogy I read somewhere before (and which I love too) is how principle behind earning (lots of) money is no different from how electricity gets conducted. In order for there to be an electrical current, there must be a potential difference (of electrons), so that the electrons can flow from one end to the other (this is a very layman explanation; my physics skillz are long gone). Similarly, in order earn lots of money, we need to create room for energy to flow — as opposed to holding our money very tightly in our banks/purses/hands and refusing to spend any money whatsoever. There are good ways to use money (say, upgrading ourselves by buying educational products, using our money to pursue our interests/passions or even start a business, engaging hired help where needed, and so on), and then there are bad ways (materialism, etc.). Some people hang on too tightly to their money because of a scarcity mindset, and in the end what happens is that they also see little to no money flowing into their lives too. I thought this analogy was super powerful and just want to share it here.

      PS: I just saved your quote to my computer because I think it’s so powerful! Great as a self-reminder and to share with my future course participants and clients too!

      • https://www.facebook.com/sanctum.beauty.full.life Santas Inspirations

        Scarcity mindset ;) That’s exactly what I have subconsciously doing my whole life. I am glad you pointed it out. That’s exactly how my grandmother was doing, and how my mom is still doing, and I know that to some degree I am also still doing it, but I am aware of the problem and try to let go of it one step at the time.

        PS. The quotes are not mine. They have their legal authors. I guess it was called “The Prosperity Prayer”

        • http://personalexcellence.co/ Celestine Chua

          Hey Santas, yes I did see your note that you read about the concept from somewhere. I’ll check the name and see if it brings up anything!

          • https://www.facebook.com/sanctum.beauty.full.life Santas Inspirations

            Found it!

            Prosperity Affirmation ( 2) was originally written by Rev. Christopher Ian Chenoweth, which was part of his famous “The Process” of Advanced Prosperity.

            Affirmations 1&3 are combined together from Dr. Joseph Murphy’s book “The power of your subconscious mind” – one of my favorite books ever.

            Hope it helps ;)

            • http://personalexcellence.co/ Celestine Chua

              Thank you Santas!! I tried looking for it on Google but it didn’t come up with anything relevant (all I saw were a few bunches of good sayings etc. as opposed to what you were talking about). If this isn’t too much of a request — do you know of any web link that provides those exact affirmations?

              • https://www.facebook.com/sanctum.beauty.full.life Santas Inspirations

                Dr. Joseph Murphy book “The power of your subconscious mind”.
                The whole book is worth reading to upgrade thinking for every aspect on the “life wheel” but these 2 chapters speak about money and wealth:

                Chapter 9 How to Use the Power of Your Subconscious for Wealth
                Chapter 10 Your right to be rich.

                This is the audiobook version on Youtube ( Chapter 9 starts at 2h 48min, Chapter 10 starts at 2h 58min 40 sec) http://www.youtube.com/watch?v=2su2NtRij7E

                This is the only written material I could find for immediate use:
                ( Chapter 9 starts at page 65, Chapter 10 starts at page 69)
                http://www.ichoosetoheal.com/downloads/the-power-of-your-subconscious-mind.pdf

                Prosperity affirmation Audio version:
                http://www.youtube.com/watch?v=ZYWyX1iPVTg

                Text version Rev. Christopher Ian Chenoweth : http://files.meetup.com/1233890/Prosperity%20Prayer.pdf
                (however it’s not written by Dr. Joe Vitale, only published in his book).

                PS: I love audio versions. This way I can learn when I am not necessary productive, such as while being in public transport etc. It’s also useful to record your own voice reading affirmations and listen to whenever chance arises.

                • http://personalexcellence.co/ Celestine Chua

                  Thank you for sharing, Santas! I hope others reading this comment will check them out, and I’ll check the money chapters out too. I suspect it’ll likely be very similar to Science of Getting Rich by Wallace D Wattles (highly recommend this, it’s one of the first if not the first self-help book I’ve ever read when I was a teen), but always good to reinforce the messages.

                • https://www.facebook.com/sanctum.beauty.full.life Santas Inspirations

                  You are more than welcome Celes!

                  Just listened to the audio programme of the book you mentioned and yeah… generally speaking it’s the same idea just presented through different perspective.

                  This is my favorite part:
                  “Things are not brought into being by thinking about their opposites. Health is never to be attained by studying disease and thinking about disease; righteousness is not to be promoted by studying sin and thinking about sin; and no one ever got rich by studying poverty and thinking about poverty. Medicine as a science of disease has increased disease; religion as a science of sin has promoted sin, and economics as a study of poverty will fill the world with wretchedness and want.”

                • Madalina S

                  Thank you lots, Santa, for all the links! :D

    • https://www.facebook.com/sanctum.beauty.full.life Santas Inspirations

      source of prospering spiritual food to nourish your soul and enrich your life. Mission is to not only increase your abundance, but to help build true prosperity consciousness for all humankind. On these pages you will find prospering ideas and inspiration to fulfill all your prosperity dreams : http://moreprosperityforyou.com/prosperity-articles/

      I haven’t red them myself but maybe someone will find them useful.

      • Kae White

        Hi Santas. Thanks for sharing “The Power of the Unconscious Mind”. It sounds like a great book. It sounds like a must read.

  • http://hackmyheart.com/ Calae

    For me, I tend to think something along the lines of, “Other people
    can make money doing what they love, but I can’t.” or “Making money via
    passive income will never happen for me, it’s just too good to become
    true.”

    Some more general thoughts I’ve experienced: “If I didn’t need to
    worry about money, I wouldn’t have anything to worry about”, “I don’t
    have the skills I need to make money the way I want to”, “I don’t need a
    lot of money to live”, and “I’m bad with money, and I don’t know how to
    save it properly.”

    To challenge these beliefs requires some thought, but ultimately even
    at a glance I can see a common root: I don’t believe in myself! Notice
    how all of these beliefs are negative reflections about myself and my
    ability to create the type of life I really want to live.

    With this in mind, here are some new thoughts to think instead:

    “I’m able to generate tons of passive income with ease”, “I have
    everything I need to make money doing what I love”, “I don’t need to
    worry about money because I have more than enough of it”, “I have all
    the money I need to experience all that I want to in life”, “I am
    excellent when it comes to money, and I always have more than enough on
    hand.”

    So what are some action steps I can take? Luckily, I have a few
    already set in my calendar to get to, but there’s always more that can
    be done!

    1. Set up my 401k with my current job. After all, it can’t hurt to begin it!
    2. Sign up for a good credit card. Now that I’m making money, I can get
    a credit card to begin earning good credit; hopefully I can find one
    with good benefits, too!
    3. Figure out the best savings account/checking account situation.
    4. Aim to create something that generates passive income, such as a
    Kindle book. I may be currently expanding on my app and web development
    skills, but there’s no reason I can’t start trying to earn passive
    income as of today! The only thing I have to do is think about what
    message I want to share!

    Here’s my blog post for today: http://hackmyheart.com/affirmation-challenge-day-12/

    • http://personalexcellence.co/ Celestine Chua

      Hey Calae! I often see 401k mentioned on certain U.S.-based websites — I assume it’s tied to the American retirement plan policy? I don’t think it’s heard of outside U.S.

      I may be currently expanding on my app and web development skills

      That is a fantastic step! Skill building is necessary to improve ourselves and the kind of value we can offer to others. Calae, I’m actually really proud of you for even considering this! Mobile and web are definitely here to stay for a while, and I think those are excellent skills to upgrade yourself in.

      By the way (I’m not sure if I asked you this before or if you’ve mentioned this anywhere), I noticed that you mentioned for the past few (months?) that you’re been working, whereas before I recall you were studying! When did you graduate, and what were you studying when you were in school? What are you doing now? (Hope that’s not too many private questions!)

      To challenge these beliefs requires some thought, but ultimately evenat a glance I can see a common root: I don’t believe in myself! Notice
      how all of these beliefs are negative reflections about myself and my
      ability to create the type of life I really want to live.

      Awesome!!! I notice that this has been a common root that you’ve identified for yourself in the other tasks — actually, even way back in previous challenges, plus the self-esteem webinar course! It’s good that we keep coming back to this same point though, because it really helps to confirm this as a root cause to look at.

      Perhaps a little of a premature question — do you know why this root exists? Why the lack of self-belief? (I know you mentioned in various other posts before that you see others’ comments as an important source of validation, but is there a reason why?)

      • http://hackmyheart.com/ Calae

        Hey Celes! Thanks for responding! =D

        Yes, a 401k is essentially a retirement plan (I have no idea why it’s called a 401k xD). Essentially when you start one, you set a certain amount of your paycheck to go into a special savings account that utilizes stocks to have you earn interest on your savings. The thing is though, you can’t access the money until you’re 65, but that’s probably a good thing to ensure you actually have savings when you retire! My knowledge is quite elementary, but that’s a 401k as I understand it. I believe it’s a US only thing, but I could be wrong!

        As for the skills/school bit, I’ve always loved the idea of web development (even if I haven’t known it as such!), and now apps just seem super interesting to learn as well. I’ve learned the basics of a decent amount of things (HTML, CSS, PHP), but I really want to get good at them! I graduated on May 10th, I majored in English writing and I minored in Web Technology. Honestly if Web Technology was a major, that’s probably what I would have taken! xD With the help of an awesome former teacher, I landed a paid internship as a technical writer — I’m not hired permanently, but they said they would probably keep me at least until the end of the year, and then potentially offer me a permanent, salaried position! It’s not quite what I want to be doing forever, but I am super grateful regardless because it’s a struggle for many people to find jobs currently!

        As for my lack of self-belief, my only guess is that it started quite young. My sister and I were always just expected to do well (all As, polite behavior, etc.), so our accomplishments were always sort of cut down with, “Great job, but this was expected.” However, if our grades ever dipped or we didn’t meet expectations, there were always super-harsh repercussions. I’ve also always felt I was a sort of embarrassment to my mom especially — she’d get upset if I didn’t do my hair or put on makeup, would tell me to do one thing but then if I said I didn’t like it would say not to blame her for doing it, and in all was just very concerned with appearances that I feel I didn’t quite do what she wanted.

        There may be other reasons, but the fact is I get easily embarrassed/feel ashamed if I do something wrong or act awkward somehow, even if it’s something no one else will care about. I think I still feel as I did when my mom was parading me around saying essentially, “Hey, look at this daughter I raised” rather then, “Hey, look at what my daughter’s become.” I’ve grown up feeling I need to meet expectations without feeling like my accomplishments are my own. The sad thing is, I’m sure my mom -is- genuinely proud of me, but I hate feeling like I’m being used for bragging rights. Perhaps that’s too cruel, but my mom is very much about maintaining appearances so that’s how I feel.

  • VickiB

    I grew up in a financially constrained household. I did not learn money skills. My husband is an accountant and his father and one of his aunts were in high level positions in small banks. So I never had to learn money skills — he has handled everything. However, I have picked up a lot of knowledge just from being around him and them.

    I still think that if I don’t have to worry about money, my life would be stress-free. When he began to be in the hospital a lot, I had to make sure that the bills were paid on time and handle other financial things. I didn’t like it! He has now set up automatic bill pay for most of the regular expenses so I don’t have to worry about that. I can just check the accounts nightly to make sure that things have been paid as scheduled, and to monitor them to makes sure that the accounts have not been breached.

    Which is another reason that I think that money causes stress. One of our checking accounts was breached and we had to get a new one and it was a lot of hassle. Once a credit card was used to buy more than $8000 worth of goods in another state that we had never been to.

    I realize that having little money does not protect anyone from dishonest people. In fact, people who lack money skills are taken advantage of regardless of their level of income.

    In my conscious mind, I think that monitoring our money and having a plan for using it and things like that are important and that they protect our resources. In my unconscious mind, however, there is the old belief that money management is stressful.

    (That belief actually is based on the fact that I am not good with numbers, rather than being about money itself. Anything that involves numbers is stressful! I am an intelligent and highly educated woman and I am not a numbers person.)

    I don’t need a lot of money to live. My pleasures are not expensive. My lifestyle is not extravagant. But that is irrelevant to whether I have a lot of money and have financial abundance. Because having money means having options.

    Some years ago, I was at a medical supply store to get something my husband needed, and they told me that the insurance would not pay for it. I said, if something will help him, I don’t care if I have to sell my car, I want to get it for him. As it turned out, the insurance did pay, and even if they had not, we had the money to buy it ourselves. The point is that having the money meant that I could get this thing that he needed even if the insurance had refused to pay. Having the money gave us that option.

    I got an education so I would have more options in life. Having money does the same.

    Having money gives us the option of helping others. Right now we are helping with my mother’s roof. My brothers and one of my sisters and some nephews are going to do the actual work, and we are paying for the material.

    If we had an extravagant lifestyle, we might not have the money to spend on the roof.

    Financial abundance is my natural state now. Money comes to me naturally.

    • VickiB

      About action steps that I can take:

      I can sit with MrB when he does financial stuff and talk with him about what and why. Mostly I already know but it would be good to make sure that I have it clear in my own mind.

      Expand my opportunities to earn more via my Spanish, as outlined yesterday. Even though I don’t have to earn enough to be self-supporting AND I don’t have any sense of pressure of financial obligations to make me anxious about needing to earn more, I can enjoy doing more of this work, and earn more money and thus have more options and possibilities.

      Think about other things I can do to make money. I’d like to have a passive income stream from some product that I created, but I don’t have any ideas. I hoped that I might be able to earn something as a content provider for other websites but because I don’t have a blog or website of my own, I haven’t been able to get my foot in the door, even with places where I have read that their past content providers are now too busy with their own websites to continue writing for them.

      Opportunities to earn come to me naturally.

  • Kimberly

    I have struggled with my negative beliefs about money my whole life. It’s something I’m really striving to make a change in this year. I often think that I don’t deserve to have anything nice or to earn a lot of money. I also struggle with the fear that it can all disappear (or be taken away) in a split second. Spending money on myself makes me very anxious. I know it all stems from my childhood experiences… and it’s a difficult thing to break.

    The positive thoughts I am focusing on instead include:
    -I deserve to have nice things too that I have saved up for
    -I deserve a successful career with a decent paycheque
    -I am an adult and in complete control of my money now. Nobody is ever going to take it all away again or risk my basic necessities of life (shelter, food) by spending it carelessly. As long as I continue to budget and save for emergencies, I will never have to worry about not having enough.

    I have a budget I follow and stick to. I am also saving up for the future, emergencies, rainy days, etc. I am actively pursuing career opportunities that challenge myself and that I know I can do but have just been afraid to try.

    My action steps would have to be…
    1. Continue to stick to the budget and build savings
    2. Wait to hear back from employer on a very important job offer (fingers crossed!!)

    • http://hackmyheart.com/ Calae

      Hey Kimberly! First off, hope you hear back from the employer very soon with good news! =D

      Second, I really like what you said about how you’re now an adult and in control of your money. I’ve very recently been getting an income which for the first time allows me to pay for most of my expenses myself. It’s both scary and exhilarating realizing that I have the power to maintain my finances, and I never again have to hear “there’s not enough money” unless I say it to myself. However, I’ve begun to save over time in order to have an emergency fund and a few months of rent saved up just in case I should ever need it.

      You’ve totally got this — if you’re already sticking to a budget, you’re already ahead of the game! =)

  • Samuel Lim

    1. Identify at least one self limiting belief that you have:

    A) If you chase money or attempt to earn money you are selling your soul

    B) (Lack of) Money can stop me from doing whatever I want

    C) Running out of money is a bad thing

    2. Challenge these beliefs:

    A) Why do I feel like this is true? Because when I was young I was raised Christian and all the religious books and literature kept reinforcing this point. This made me very fearful of those who seem to be trying to earn wealth because it condemed them as morally/spiritually bankrupt.

    Challenging this: The whole point of the statement “What good does it do someone to gain the whole world but to lose his soul?” is to keep people focused on the spiritual pathway (as prescribed by the Church!). So, the idea is that you should be internally focused on your spiritual development, which is a good idea. People who pursue wealth for wealth’s sake generally end up finding that it is empty in the end. However, that doesn’t necessarily exclude attempting to money – what matters is that you have a motive bigger than that. Normal people who work in a job are attempting to earn money too, for their survival needs etc! Wealth can also be an empowering tool in the hands of those who have good intentions and are working for something bigger than themselves, like Bill Gates and Warren Buffet. So the key thing is that it is perfectly okay to attempt to earn income as a byproduct of some other purpose.

    B) Lack of money can stop me from doing what I want

    There are lots of creative ways to do things without money or with little money. People who want to travel do travel hacking, for example, and somehow can end up buying tickets for tens of dollars only. And even if I run out of money and end up homeless, I won’t starve in today’s modern world. I can ambush the leftovers from shops, etc; use my creativity to start up entreprenurship; sleep in the void deck, etc. The only reason why I think this is true is because everyone around me thinks this is true, and they haven’t seen how people manage fine without money at all. Of course, all things being equal having money is better than not having money.

    C) Running out of money is a bad thing

    Why? Because of 1) the above survival reason and 2) social status. Why do I feel like being poor is such a bad thing socially? Because people look down on you. Why am I scared of this? Because when I was young my mother was (and still is) very fearful of running out of money and she kept saying things to the effect of “if we run out of money… people will look down on you” with a strong undertone of fear.

    Challenging this: Just because my mother fears running out of money doesn’t mean I should fear running out of money too. If the person next to you fears mice, should you fear them as well? That would be stupid. Also, running out of money doesn’t affect your innate creativity and power to find a way to survive and thrive. And also, it is completely ridiculous to feel ashamed if people look down on you for not having money. If your friends started to look down on you for not wearing underwear when you usually wear boxers (LOL!) you would feel unashamed and totally baffled at their reaction. So similarly it doesn’t make sense to feel ashamed when people criticize you for not having their mindset (which is incorrect in the first place).

    3. Create new positive beliefs:

    A) Money is totally neutral. What matters is what I intend to do with it. It is totally fine to earn lots of money in return for contributing massive value to the world.

    B) I do not fear lack of money. Money can’t stop me from doing what I love.

    C) I have the power to create a life I want regardless of money.

    4. Identify one positive step you can take towards your financial goals.

    Ironically, pursuing my health goals.

    5. Say your new belief(s), along with today’s affirmation:

    “I’m financially abundant, and money comes to me naturally.”

    http://samuelimyongen.wordpress.com/2014/07/21/affirmation-challenge-day-12/

    • http://personalexcellence.co/ Celestine Chua

      A) If you chase money or attempt to earn money you are selling your soul. Because when I was young I was raised Christian and all the religious books and literature kept reinforcing this point. This made me very fearful of those who seem to be trying to earn wealth because it condemed them as morally/spiritually bankrupt.

      That’s very interesting, Samuel. You know, I often hear from other sources, sometimes even ex-Christians and Christians themselves, that there are a certain fraction of churches that purposely enforce fear-based teachings so that the “followers” will never become too powerful and overthrow them. Such teachings aren’t reflective of the true nature of the religion, but instead the greed/consciousness of the men who are running the church. It’s great that you’ve broken past this belief!

      Ironically, pursuing my health goals.

      If so, you’ll definitely enjoy Day 13′s task. :) Stay tuned!

  • Madalina S

    Sadly, I have many limiting beliefs surrounding money, most of them created by my parents and based on their behavior around money. Some of my limiting beliefs are: Money is hard to get. I don’t want to be rich. If money didn’t exist, life would be easier. I don’t know how to earn money. Earning lots of money is a burden.

    I’m really not sure whether my limiting beliefs resulted from my own experience so far (I’ve always had to work my butt off for a little/average amount of money) or if I’ve had those experiences precisely because of my limiting beliefs.

    Changing my limiting beliefs: Money comes easily and from a variety of sources. I want to be rich and abundant. Money is just a representation of value and it doesn’t negatively impact my life. I can learn how to earn money. Earning lots of money only allows me to contribute more and empowers me.

    As for steps I can take right away, I already save most of the money that I make from my freelance job. I’m currently brainstorming ideas for ebooks (as I mentioned in yesterday’s challenge post). As Santa and Alexa suggested as well, I could also promote my drawings some more.

    “I’m financially abundant, and money comes to me naturally.”

    • http://personalexcellence.co/ Celestine Chua

      Hi Lina, the realization of these limiting beliefs is a huge first step. Most people live through life without even being aware of these beliefs, which then contributes to their perpetuating limited financial situation.

      Like Santas said in her comment and like what I share in my PI course, we’re naturally born to be rich — not just financially, but mentally, emotionally, in our relationships, etc. If we aren’t right now, then there’s probably some things blocking us (be it in terms of our thinking, some real-life barriers that we need to work through, etc.). Then it’s about clearing them so that money can naturally flow to us. As opposed to having to “fight” to get money, if you know what I mean. In the former, it recognizes that money is meant to be ours, and money naturally will come to us without the blockages, assuming everything is in place. In the latter, it’s under the assumption that we’re not meant to have money and we need to force money to come to us.

      I think the next steps you’ve planned sound awesome! You’re working on creating to give value, and by giving value it’ll then allow you to be in the position to naturally receive money. You’re doing an awesome job Lina, just keep up with your great work! :D

      • Madalina S

        For some reason whenever I thought of being abundant and rich, I’ve never included “money-rich” in the equation. Actually, the reason is most likely my limiting beliefs about money. But it’s so true! Looks like this challenge is a “Sudden realization!”-experience for me. I’ve learned so much about myself since the beginning of this challenge, it’s amazing. I feel energized and confident in my goals for the first time in months. Creating a life plan and defining who I am (purpose, values, qualities) have greatly contributed to my current state.

        Thank you for the encouragement, Celes!

        • http://personalexcellence.co/ Celestine Chua

          Oh amazing!! I’m so happy to hear that. :D Well, the even better thing is that this is only the start of more to come. :D Every awakening moment leads to more great things. I look forward to witnessing your further evolution in the months (and years) ahead! :D

  • Kae White

    I have a lot of confusion around money and it seems that other participants do to. Growing up I seem to recall conflict in how my parents used money; that is in some areas they seemed to skimp but not in others. I think that this is the key area for my self limiting beliefs of having a good income will make me happy and having lots of money in the bank is good, when really it is about being smart with the money that you have. Even today these are being reinforced. For example when I retire apparently I need at least a million dollars put away to maintain my current lifestyle.

    My new belief is that if money can help relieve stresses around the day to day living and make life more comfortable.

    I think that I would like to earn a little bit more so we are not always juggling money around and we can be a little more comfortable to do this the one thing that I can work on immediately although it might take time is to look for a higher paying position.

  • Vivian

    just shocked I am in white space for this area.
    Your Task Today

    A. Identify at least one self-limiting money beliefs that you have.

    1) Money is not good enough.
    2) Man will get bad after having more money.
    3) If I didn’t need to deal with money, my life would be stress-free.
    4) I don’t need a lot of money to live.
    5) I don’t want to be rich.
    6) I don’t know how to be millionaire.
    7) won’t have lots of money by myself.

    B. Challenge these belief(s).
    1) Money is not good enough, even bad. Great people usually live a normal materials condition.
    2) Man will get bad after having more money. Man will have relationship outside family
    if he has more money.
    3) If I didn’t need to deal with money, my life would be stress-free. It’s hard to
    earn money.
    4) I don’t need a lot of money to live. I just want to live a simple life.
    5) I don’t want to be rich. I just want to live the simple life, being rich is bad.
    6) I don’t know how to be millionaire. I just don’t know how to get there through
    the monthly pay check.
    7) I won’t have lots of money by myself. Someone told me that I won’t be able to get
    lots of money.

    C. Create new positive belief(s).
    a) Ihate money. -> I love money.
    b) Money is the root of all evil. -> Money is just a neutral agent; it is what
    we make out to be. It’s not evil.
    c) If I didn’t need to deal with money, my life would be stress-free. -> Money has nothing to do with my stress. If money is giving me stress, then it’s about learning to handle it objectively and
    well.
    d) I don’t need a lot of money to live. -> Regardless
    of my living needs, having more money allows me to make greater change in this
    world.
    e) I don’t want to be rich. -> I want to be rich (so that I can pursue
    all my goals and dreams with no constraints)!
    f) I don’t know how to earn money. -> Earning (a lot of) money is a skill that
    anyone, including me, can learn, starting today.
    g) won’ t have lots of money by myself—I can have lots of money by myself if I have a try. Time to create new
    story for my life.

    D. Identify one positive step you can
    take towards your financial goal.

    1) Target to save 20% more than I usually do every month.

    2) Read books on self-made millionaires to learn their financial secrets and practices
    so that I can practicing them. (Financial literacy goal

    3) Write my weibo and blog

    4) Visualize the experience when I become millionaire, and have my foundation for working
    mother to get their dream realized.

    C. Say your new belief(s), along with today’s
    affirmation:

    “I’m
    financially abundant, and money comes to me naturally.”

  • ASLO

    Money…..the more you have, there is always a higher indifference curve you would want to be at….with every luxury there is always another one that will make you more….err….happier? But it’s ironic when you were comparable less well off, you seemingly were more happier….it’s a weird spiral where you keep going round and round chasing happiness…but also learning that happiness existed at the start of the spiral….

    1. Identify at least one self-limiting money beliefs that you have:
    If we have more money, we’ll be more happier and my life will be free of the nags of others being better off than us

    2. Challenge these belief:
    But just as I said in the narration above…money isn’t the reason for happiness….we were happier when we were less well off…

    3. Create new positive belief:
    We shall be happier as a family, and more money wouldn’t be the sole reason for that. We shall gel to be a great family together!

    4. Identify one positive step you can take towards your financial goal:
    I shall together with my family save more and not indulge in unnecessary expenses that do not necessarily make us happy.

    “I’m financially abundant, and money comes to me naturally”

    I love this challenge! it isn’t just affirmations, but little bits and steps that lead us towards this affirmation! I am grateful to be part of this amazing movement! keep up the wonderful job Celes

  • Educate Yourself

    1. Identify at least one self-limiting money beliefs that you have.

    -I used to limit myself in money. I wanted $1000. It took me forever to have it. I withdrew it all to buy a garage. It’s a fortune in my country. After that I started to wish for more because I wanted to buy my mom a house. I started to hate money. It’s never enough.
    I used to say I didn’t need it to live my life. So wrong! I need it to do things. Everything. That’s why I don’t want to limit myself in money anymore. I said I wanted infinite $$$ in Day 11. I meant it.

    2. Select whichever belief(s) that resonate with you; write more if you like.

    – I am very irresponsible when it comes to money. I use to spend it all on different culture foods and books. I recently stopped and gave away most of the books. I didn’t read most of them. I still go eat sometimes but not all the time. I have been trying to master it but in vain. It’s not easy to budget. I need help.
    Now I save at least 10 % of everything I get. Sometimes I save 15-45%.

    3. Create new positive belief(s).

    -I love money because I am infinitenaire.
    -It’s easy to budget and save money.

    4. Identify one positive step you can take towards your financial goal.

    - I am going to save 25% at least every month.
    - I already read books on the subject but all it talks about is investing. I don’t gamble I will go back and take note do something like stocks.

    5. Say your new belief(s), along with today’s affirmation:

    -I love money because I am infinitenaire.
    -It’s easy to budget and save money.
    - I am going to save 25% at least every month..
    - I will educate myself on money.
    - I get stocks on things I need like food.
    “Earning (a lot of) money is a skill that anyone, including me, can learn, starting today.”

    “I’m financially abundant, and money comes to me naturally.”

  • Hanna Sharpe

    This was a great task for me, well they all have been :)

    Self limiting money beliefs:
    1. I have to work hard for money
    2. Money does not come easily
    3. What I have to offer is of little value to others
    4. I am not as intelligent as others in earning money.

    Challenge these beliefs:
    1. Maybe I am just a hard worker and put a lot of effort into my job and in thinking negatively think I only earn money when I’m working hard, but that’s not true as I work hard a lot of the time!
    2. I don’t find my job enjoyable and so don’t feel money comes to be easily because I am busy with feeling stuck/stagnant in my job.
    3. If my services were of little value I wouldn’t be in work, nor would I have returning yoga students.
    4. I can read up on how to change my money-making attitude, can find ways to utilise my skills better and think smart/proactively about what people want and how I can fulfill their needs.

    Create new positive beliefs:
    I love earning money
    I love how easily money flows to me
    My services are of tremendous value
    I am money intelligent

    This has been a really empowering exercise to do because of the realisations I’ve had in doing it!

    • Hanna Sharpe

      Identify a step I can take towards my financial goal…

      I’d like to follow Celes’ suggestion to read books on self-made millionaires to learn from and absorb their positive money consciousness.
      Use my new positive affirmations to help me empower myself…

  • Alia

    To be honest, I don’t have many thoughts about money as an entity. Perhaps the most common thought about money is that it’s “evil.”My second thought might be that I don’t know how to make money or make enough so that I can live independently and comfortably, but this is more of a subconscious thought rather than a conscious one (at least up til now).

    What I really mean in reference to the statement above, is that it can cause people to do evil things (e.g. scam others, be dishonest, steal, lie, cheat etc.) to get more of it. And in this case, it’s not the money that is bad, but a person’s reaction to it. Having a lot of money is not a bad thing; how you use it is what counts. Maybe I don’t know right now how to make money, but I can put an
    effort into learning about the various avenues through which one can create an income, whether active or passive.

    “Money is a neutral agent; it is what we make it out to be. It is not evil. Earning money is a skill that anyone can learn”

    I’ve had a book called “Nice Girl Don’t Get Rich” for a while now, and although I’ve flipped through it before, I’ll start reading it with intent and learning about the steps I can take to start earning an
    income. Also, getting a job will be a good start.

  • Foli

    Hi
    I used to have all the listed self-limiting beliefs about money in my life but I don’t any longer today. Down with self-limiting beliefs of all kinds!!!!! The popular saying is: “The love of money is the root of all evil” but people generally forget to say the following: “The lack of money is undoubtedly the root of all evils”
    From now on “I’m financially abundant, and money comes to me naturally.”

  • Vinay Kumar

    Identify at least one self-limiting money beliefs that you have.
    - I don’t need a lot of money to live.
    - I can earn money in only one way, through monthly salary. Other than my paid work, I feel like offering other services for free.

    Challenge these belief(s).
    - Maybe having more money than I do will open up new avenues for spending it. Maybe I’ll even contemplate retiring earlier and doing something that doesn’t give any money just for the love of it.
    - I could earn money through other means as well. Few times I’ve been offered money for some non-work related services I’ve offered. I’ve always declined the offers. Most of the times it’s because the people offering money would be my friends. And the few other times it would plainly be because I feel I’m already earning enough. And I feel like serving free. I just don’t feel like taking any money for any artistic service I offer, or if the person I’m serving doesn’t have enough, or is less abundant than me and needs money more. Maybe instead of making a blanket rule for myself, I could accept money on a case by case basis. See where my services are really enriching the other person’s life and accept money or probably wonder if I got such services from someone else, how much would i be willing to pay for it and accept an amount smaller than that.

    Create new positive belief(s).
    - I can use well any amount of money that I’ll be blessed with.
    - I can earn money in many ways. My salary needn’t be my sole source of income.

    Identify one positive step you can take towards your financial goal.
    - I can accept what I would give.

  • Fufu

    Day #12: Wealth

    1) One self-limiting
    belief I hold is that making money for me is harder because I still harbor some
    beliefs that nobody would want to hire me because I’m weird and shy in
    comparison to the normal person.

    2) This beliefs on
    money are not justifiable because making money is not a matter of others. I can
    make money on my own with my talent which I am more than sure that I harbor.

    New Empowering Belief:

    Regardless if a boss
    hires me or not, I still hold the talent inside of me to earn all the money
    that I want in life.

    Action Step:

    1)
    Go to a
    friend’s house to learn how to make marshmallow fondant. (Which is a skill I
    need for my cake business and thus correlates with my new belief talent speaks
    for itself and I can further this talent without anybody expecting me to act in
    any way.)

  • JadePenguin

    I dunno if anyone still reads these but http://www.positivemoney.org has a nice short explanation video on why there’s never enough money, why property prices are so high and why world debt keeps increasing.

    And then there’s the distortion of values that happens through advertising and other forms of conditioning. “The Century of the Self” is a great documentary on this.

    So, in light of this, it’s a bit hard to identify self-limiting beliefs, if all of the above is simply knowledge of facts. Only thing I can think of is the constant fear that this will affect me, when that’s not very likely anymore. I live in one of the world’s richest countries, got a degree from it and a job, so I’ll be alright now.

    On a side note, I did struggle massively during my university time. There were no loans for living costs available for foreigners and Estonia is so piss poor that its loans were useless to me. It was sheer luck that someone in my department was nice enough (and had the grants) to employ me.

    Another belief I have is that only psychopaths can earn lots of money. I suppose people like Bill Gates will disprove this, but still, most of the world’s richest people are bankers or bosses of unethical corporations and it’s much harder to earn an honest living. But of course, not impossible (else the world would riot, lol).

    BTW I don’t see how “I don’t need a lot of money to live.” would be a limiting belief. I consider it one of my most empowering ones! :D As Socrates said, “He is richest who is content with the least.” Of course, wanting more money to make a positive change in the world is another story :)

    In brighter news, I’ve had my first payment of Jobseeker’s Allowance and also found out that I can get free medication of I’m on JSA. So that makes me a little bit richer than I was a week ago ;)

More in Challenges
Affirmation Challenge Day 11 [Career]: “I’m doing what I love, and earning lots of money doing it.”

This is Day 11 of the 15-Day Affirmation Challenge where hundreds of participants around the world gather to practice positive affirmations for 15 days...

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