Paying off bad credit, a mortgage, or a student loan takes motivation, discipline, and patience. Loans often start small but can balloon into something unimaginable and paying them off becomes a major burden in your life.
If you’re like one of the many people in the world who’s having sleepless nights, don’t worry, there is always something you can do to be debt-free and finally achieve financial freedom.
Using the Law of Attraction, you can take advantage of the benefits of making a debt-free vision board which can help you focus on achieving a debt-free lifestyle.
Here are 10 ideas for a debt-free vision board to achieve financial freedom:
- Accept You Have a Problem
The first step to creating your debt-free vision board is to accept that you have a problem. Before you start cutting out pictures of a million dollars, a bank statement, or a $0 balance on a credit card statement, you need to acknowledge you have a problem.
If you’ve accumulated debt and your loans are bigger than your income, then you have a serious problem you need to face. Accepting reality and the fact you may have challenges in managing money is the first step to going debt-free.
- Shift to an Abundance Mindset
If you’re thinking day in and day out about your debts, then you’re going to attract more debt. The first principle of the Law of Attraction states that like attracts like. The power of your thoughts and feelings is like a magnet. You attract what you think about. So instead of thinking about debt all the time, start thinking about abundance.
Shift your mindset and visualize being so abundant and prosperous that you no longer need to borrow money or live from paycheck to paycheck just to survive.
Before you start making a debt-free vision board, you need to begin by changing your mindset. Thinking about your debts all the time is like creating a mental block that is holding you back from receiving the good things about money.
Change your mindset from a standpoint of lack to a place of abundance. Once you shift your focus, you will start to improve your situation, focusing more on solutions rather than problems.
- Solidify Your Intent
So you’re making a debt-free vision board. What for? Why do you want to be debt-free and achieve financial freedom? For peace of mind? So you can finally go on that dream vacation? So you will no longer have to pay a substantial amount each month for your mortgage, and you can finally build a vacation home?
Start listing down the very reasons why you want to get out of debt, so you can ask the Universe what you want in life. Tell the Universe that you want to pay off your debts, and have peace of mind, so you can finally live the life you want.
- Create a Specific Goal
You can’t just say you want to be debt-free without setting a goal. Try to compute all the money you need to pay and create a specific amount.
If you have $10,000 in student loans and you want to pay it off, write down on a piece of paper that you need $10,000. When creating your vision board, try to print out a template for a check, and write down your name and the amount of $10,000.
Paste this on your vision board to represent the amount you want to receive, so you can pay off your student loan.
If you still have $100,000 in your mortgage payments, write that down on the check. If you need to pay your credit card $2000, write that down, too.
By writing down the exact amount you need, you can then start working on how to create that amount to pay off your debt.
- Set a Date for Going Debt-Free
When do you want to achieve financial freedom? Another principle of the Law of Attraction states that you need to be as specific as possible about what you want. If you want financial freedom, when do you want that to happen? In 6 months, in a year, or 2 years?
Set a date but make it realistic. If you have an outstanding $100,000 loan and your income is $10,000 a month, you probably won’t be able to go debt-free in a week.
A year is a good timeline to create a plan for financial freedom. You shouldn’t set a much future date because there is a tendency for you to be complacent. You’ll be thinking, “Oh, there’s still time, I’ll start paying off my debt next month.”
By creating a sense of urgency, your subconscious will start formulating ways to get you to earn more and pay off your debts.
Write this date down and post it on your vision board. Make the date as large and as bold as you can and place it in the middle of your board.
- Make More Money
If your income is not enough to pay off your loans in a year, why not make more money? Attract more money in your life by thinking of more income streams. Start a side hustle, get a part-time job, resell items, or have a garage sale and use the money as capital to start a small business.
Cut out pictures of a garage sale, a woman baking cupcakes, a picture of a person typing on a computer working from home, or any image of a job or business that you believe can help you attract more money.
- Learn Debt-Paying Methods
Try to study simple debt-paying methods so you can hype yourself up and become motivated to start paying off your loans. By studying these methods, you can have a clearer roadmap for your debt-paying scheme.
Some of these methods include the Avalanche and the Snowball Methods. The Avalanche method is a technique that teaches you to pay loans that have the highest interest. Interest stretches your payments because the amount you pay is now bigger than the original amount of the item when you bought them.
The Snowball Method, on the other hand, tells you that paying your small debts is a great strategy because you’re checking off items on your debt list, making your list smaller. These small wins can help to keep you motivated to keep going in your repayment journey.
Remember that feelings are important in attracting what you want. The better you feel, the better things you attract into your life.
Print out these methods and post them on your vision board so you don’t forget the steps you’re supposed to take to be debt-free.
- Work With a Credit Counselor
If you’re really struggling, try planning a meeting with a credit counselor who can help you create a debt management plan. You can also look for non-profit credit counseling organizations that offer free or low-cost services to qualified applicants.
Hiring a certified debt counselor may be an added expense but if you’re having challenges you believe you can’t handle on your own, it’s always okay to ask for help.
These counselors can help you create a budget and give you educational resources for better money management.
Cut out a picture of a credit counselor, or cut out the number of a certified debt counselor near you, and paste this on your vision board. You don’t have to contact the professional now, but knowing there is help out there can help to give you comfort and peace of mind.
- Use Money Affirmations
Aside from pictures, checks, and other images, including money affirmations as well.
These affirmations can help you believe in yourself, and create subconscious thoughts that can help motivate and inspire you to attract more money for financial freedom.
Search for money affirmations, such as “I attract money,” “Money comes swiftly,” or “I am wealthy,” print them out, and post them on your vision board.
Money affirmations can help shift your mindset from a place of lack to a place of abundance. Feel good about money, receive it, and know in your heart that you deserve and you will have it.
Changing your mindset about money is one of the best ways you can attract more of it into your life.
- Visualize Having Financial Freedom
And lastly, daydream about the life you’ll have once you've finally paid off all of your debt.
How will you feel when you finally get a credit card statement with a $0 balance? How will you feel when you’ve paid the last dollar on your student loan? And what will you do when you’ve finally paid your mortgage in full?
Cut out pictures of a woman on a field dancing under sunlight. Cut out pictures of vacations, shopping in luxury stores, or buying a lake house.
By posting these images on your vision board, you can start getting excited about a life free from debt, and finally enjoying a stress-free life with no financial obligations to think about.
Being debt-free is a dream for many adults but not everyone can achieve financial freedom in their lifetime. Don’t be part of the status quo. Get out of debt and start acting now. Use the power of the Law of Attraction to help you achieve financial freedom.
Cutting out from magazines can be tasking but that doesn’t mean you can’t make a vision board. Try out vision board kits that have everything you need to create a debt-free vision board. These kits can help you change your focus from worrying about debt to focusing on all the great things that will come into your life once you achieve financial freedom.
The Vision Cloud’s Vision Board Kit is a complete vision board dream kit with everything you need. It includes 100 reusable cards with pictures and images, 60 motivational words, and 40 stickers, complete with adhesives and an activity kit that can help you visualize and manifest your debt-free life.
For a more complete kit, the Vision Board Magazine Kit has even more cards, with 500 inspirational words, pictures, and stickers you can reuse to create different themed boards.