New Year’s Affirmations

New Year’s resolutions have a well-deserved reputation for failure. Instead of making resolutions, why not consider a New Year’s Affirmation this year? By repeating a positive affirmation over and over, you internalize your goal, and train your subconscious mind to transmute those thoughts into actualities. If you believe it, you can achieve it – it’s as simple as that.

A few positive thoughts are not enough if they are sitting on top of a pile of negative behaviors. Here are five affirmations for the New Year to help you develop a successful money mind, and some positive actions as well.

I am pursuing my dream
Dreams are what will give your life its passion, its joy–and its direction. Whatever your vision–a new home, an education fund for the children, a secure retirement–setting goals can make it happen. Decide what is most important for your future, how much you need to accumulate to meet this goal, and then begin today to turn your dreams into reality.

I pay myself first
To maximize your savings, put your finances on automatic pilot. Have 5% to 10% of your paycheck deposited directly to your savings account, or do it yourself each payday. When you redeem coupons at the grocery store, bank your savings. Saving is a habit–make it yours.

I allow myself to take risks
Don’t be afraid to go out on a limb – that’s where the fruit is. Many people unwisely fund long-term goals with short-term investments. Stocks and growth mutual funds have consistently beat saving accounts, CDs, and short-term bonds for long-term growth.

I am improving my financial skills
You learn by doing, so set out on an adventure, no matter how small. Tackle an important problem, learn a valuable skill, improve an aspect of your life. Whether you are interested in learning how to invest, how to manage money with your sweetie, or how to get out of debt, find resources to help you reach your goals.

I create value in the world.
Give time to a cause, group, individual, or family who needs your help. Plan to do something every day to make the world a better place. Pause at the beginning and end of each day to celebrate your joys and accomplishments.

This year, use positive affirmations to create good financial habits that will last a lifetime. And they are much more fun than vowing not to eat another piece of chocolate cake!

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