What’s Your Personal Money Mantra?

A daily money affirmation could be what you need to stay motivated.

Bringing change to your financial life is not always easy. The day-to-day grind of managing your money and controlling your household budget often wears you down. As a result, it can be challenging to move on to bigger and better things.

A money mantra allows you to keep a financial goal at the forefront of your mind. That makes it easier to take action to achieve the results you want. So let’s look at how to create a personal money mantra that works.

What is a money mantra?

A money mantra is a simple statement of what you want to accomplish in your financial life. It can either drive you to make positive financial choices or keep you from making bad ones. It works similarly to a daily life affirmation. You state what you want to manifest and the act of keeping that thought in mind pushes you to act.

The elements of a good money mantra

How to make an effective money mantra

  1. Start by thinking of a specific financial goal you’d like to accomplish over the next six months. For example, let’s say you want to save money.
  2. Now think of a financial habit that you can develop that will foster that goal.
  3. Then take that thought and turn it into an easily repeatable phrase.
  4. Repeat your mantra a few times to keep it in mind
  5. You can also choose to write your mantra down and post it places where you’ll see it often – on your bathroom mirror, your fridge or on a post-it at your desk at work.

Consolidated Credit’s Money Mantra Video Contest

One of our goals at Consolidated Credit is to help people achieve a better, more stable financial outlook. We believe that regardless of your income level or the challenges you face, you can achieve financial stability with the right strategy.

To support that mission, we’ve created our Money Mantra Video Contest. Simply record a short selfie video on your smartphone stating your personal money mantra. Then upload it to your video channel and send us a link or email it though the cloud. Once your entry is received, you could win a $250 gift card. A new winner is chosen every three months.

Winning video entry: December 2016


Ohmmm… Drink plain coffee instead of cappuccinos and lattes. The money you could save in a year’s time might just be enough for a hefty emergency fund.

Winning video entry: March 2017


Hi, my name is Ben and my money mantra is simple. Small efforts can result in BIG savings.

What does this mean? It means that you don’t need some big, radical, earth-shattering, money-saving secret to be financially responsible. Simple changes to your life can save you small amounts of money every day and eventually this adds up to big savings.

If I’m interested in reading the new novel I check the local library first to see if they have it. If I’m interested in seeing the newest blockbuster in theaters I go during the day to get matinee pricing instead of seeing it Friday night when it’s most expensive. I created a clone in my lab so he can run errands for me and save me money on gas.

“Um, sir, I picked up your dry cleaning and it’s in your closet.”

“Awesome. Thanks, Clone!”

Ok, I might have made that last one up, but the mantra still holds true. If you think about the most cost effective way to go about your day, small efforts can result in BIG savings.

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