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How to manifest money to reach your financial goals

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Manifestation is much more than sitting with your crystals and thinking positive thoughts. It’s the practice of thinking about something you want as though it’s already happened, and that positivity and actionable thinking will make it so. This process is the same whether you’re manifesting happiness or money: the more you think of it as already having happened, the more likely it is to happen.

Simply put, manifestation is something that you make a reality through focusing on it with your actions. This can be through meditation, visualization through journaling or a vision board, or something else entirely. Though there’s no scientific backing for manifestation, it never hurts to focus on something you really want to happen through positive thought and actions.

An aspect of manifestation is the law of attraction, which speculates that whatever we are putting into our lives is what we attract—both good and bad. For instance, if someone is constantly worried and stressing about being fired, eventually that will happen. On the flip side, if someone is working toward a promotion and raise, that will also eventually happen according to the law of attraction.

If you’re wondering how to manifest money in your daily life, or are curious about how manifestation and the law of attraction can positively affect you and your credit, then read on for more money manifestation advice. Don’t forget to check out the infographic below for more tips and tricks on how to manifest abundance in your life.

Manifestation vs. the law of abundance

You can manifest just about anything, from a significant other to a new job to an increased credit limit. One of the more common manifestation practices is for money, as this is something many people want more of in their lives—whether this is through paying off debts or simply having more cash.  

Now that you know the basics of manifestation and how the law of attraction can work for money, it’s time to learn how you can begin manifesting money. Money manifestation comes in a variety of forms, including:

  • Getting a raise or higher income
  • Paying debt off 
  • Having more money in your bank account
  • Meeting a savings goal

Much like regular manifestation and any other skill, this takes some practice to get just right, so try a few different methods of manifestation to see what works best for you, whether that’s through journaling, a vision board or meditation.

Adapt your mindset

No matter how you choose to manifest, your mindset is the most important aspect of manifesting abundance and money. If you aren’t in a headspace that is positive and open to receiving money, then you won’t. 

To most effectively manifest money, you need to act as though it’s already happened and that you’re worthy of what you desire. Through thinking like this with a positive mindset about what you’re working towards, everything after that will be made that much easier.

Visualize your goals

Once you’ve decided what it is you want to manifest, it helps to refine and literally visualize your goals through a photo, drawing or vision board. This can be as simple or as detailed as you’d like, just as long as it accurately shows what you’re working toward.

Once it’s completed, hang your visualization somewhere you’ll see often—like on a bathroom mirror, on your fridge or on your desk. This way, you’ll be constantly reminded of the goal you’re trying to achieve, which will hopefully help you on your manifestation journey when you get discouraged or distracted from your end goal.

Make necessary actions

Though the root of manifestation comes from your mind and thoughts, that doesn’t mean you can’t take additional actions and steps to help your goal along. 

For example, if your goal is to get a raise, you can pair a manifestation mindset with actions like so.

  • Manifestation: I am deserving of more money.
  • Action: Take on additional projects and up the quality of your work.

The pairing of a positive mindset with additional actions can not only help you work harder for your goal, but it can also help you feel more accomplished when you achieve it.

Choose affirmations or mantras to focus on

Money mantras or affirmations are phrases that you repeat to yourself to keep you positive and remind you of what you’re working toward. These simple phrases can help lift you out of a rut, or give you a reminder that though the work you’re putting in may be hard, it will all be worth it in the long run.

Money manifestation mantras

Below are some popular and effective mantras for manifesting your money. This is not an exhaustive list, so feel free to use these and any more you find that help you in your manifestation journey. Use these to help you with your money manifestation, or the next time you need a reminder of why you’re manifesting in the first place.

  1. Wealth flows into my life with ease.
  2. I am a magnet for money.
  3. My income exceeds my expenses.
  4. There is always enough money in my life.
  5. I am worthy of the wealth I desire.
  6. I am financially free.
  7. I can look at my finances without fear.
  8. I attract money on a daily basis.
  9. There are no limits to the amount of money I can receive.
  10. I release all resistance to attracting money.
Abundance mantras

How your mindset affects your credit

If the thought of money is running through your mind all day and causing you anxiety, it may be time to adjust your mindset to think more positively. Much like the law of attraction states, having a growth mindset and thinking positive thoughts can help impact your credit and finances in a good way. Read on for more tips on how your mindset may be affecting your credit, and how to adjust it accordingly.

1. Recognize negative thoughts get you nowhere

Just as the law of attraction dictates, what we put into the universe is what we get back tenfold, and this applies to negative thoughts and actions. These thoughts or actions aren’t productive, and can even be detrimental to both your financial and mental health. If you find yourself constantly thinking negatively and experiencing negative financial side effects, see if you can reframe your thinking to view things more positively—such as:

  • Checking your bank account to see how much you have saved and left to spend, instead of being nervous to check
  • Keeping up with your budget so you can have money for both things you need and things you want, instead of abandoning your budget after going over 
  • Spending money responsibly so you can have and do things you enjoy, instead of not spending any money due to financial anxiety 

2. See your progress, no matter how incremental

When it comes to paying off debt or repairing your credit, it can feel like you have to make huge money moves like paying off $1,000 of your credit card bill at once. If these big things aren’t happening, it can easily feel like you aren’t making any “real” progress. When you feel discouraged, just remind yourself that making any sort of payment (as long as it meets your minimum payment requirements) is still a step.

3. Forgiveness is key

If you find yourself constantly beating yourself up for some less-than-stellar financial decisions, you’ll need to forgive yourself before you can move on. While no one likes to make an ill-informed decision that costs them money—or affects their credit—the past is the past and can’t be changed. If you’re afraid to move forward on your credit journey for fear of repeating a mistake, see what lessons you can learn and apply to your new scenario.

4. Appreciate what you have

purchases just to keep up with the Joneses, you’ll likely need to take a breath and recognize what you have to be thankful for. For example, if your car payment is something you dread each month, get out of that negative thought pattern and instead realize what car payments represent: a car that you will soon own that gets you places without having to walk or rely on public transit. 

Manifestation and the law of attraction may not be scientifically backed, but it’s still important to recognize how your mindset and the way you think about things can affect whether or not they happen. Whether you want to pay off a credit card, get a new job or simply fix your credit, through a positive mindset and actionable steps, you can do anything you put your mind to.

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