Debt Free! The Law Of Attraction Guide To Paying Off Debt

Did you know the average American debt is $137,063? This number has actually increased nearly $100,000 in the last 18 years.  Debt can seem like a never ending battle, once you pay one thing off, you something else comes up.

Some people spend their lifetime fighting to become debt free but can never seem to do. However, there is one thing that you know, that many others do not! You know about the Law Of Attraction.

The powerful Law Of Attraction can be your aid in becoming debt free once and for all. It does take some work, and while possible, more than likely it will not happen overnight, but if you take the proper steps you can easily become debt free by using the powers of the universe.

At one point in my life I was over $30,000 in debt just from credit cards alone! But when I learned about the Law Of Attraction, everything changed and I was able to manifest my way out of debt within 8 months!

Stick around and I’ll tell you exactly what I did and what you can do to become debt free by using the Law Of Attraction.

Prefer to Watch Instead Of Read? Checkout my YouTube Video below!

Get Serious About It

I know in a lot of my articles I talk about “not taking life seriously”, however, when it comes to your debt, you may need to adopt this mindset a little when you are starting out.  If you are really in this for real, and want to become debt free with some help from the Universe, then it is take that you make a sacrifice.

It’s time to cut up those credit cards! That’s right, any types of credit cards that you may still have, it is time to get rid of them once and for all and make sure they are never used again.  When you physically take action and do this you are showing the Universe just how “in it” you are to destroy your debt.

It will also prove to yourself that you are ready to make that big leap and it all starts when you cut up your cards. Doing this should may strike up some fear at first but it’s important that you push through the fear and take action.

If you don’t have credit cards, try to take some action that will allow you to no longer utilize the loan or credit line you might be using. If that’s making a phone call or going to a bank, whatever you have to do to shut down that open connection to your credit.

Doing this should invoke a feeling of confidence. You are ready to face your debt head-on now, there is no more hiding and there is no need to be afraid.  You are going to get rid of your debt! It’s not a matter of if… it’s a matter of when!

Set Your Money Goals

Much like we’ve talked about when applying the Law Of Attraction step by step, it’s important that you ask the Universe specifically what you want to take place.

That is why you need to set your goals when it comes to your debt. When do you want your debt to be paid off? How do you intend to do it? What sacrifices might you have to make in order to do so? Write all of this down in journal form or however you feel most comfortable.

This will be what you’ll use not only to ask the Universe for assistance in the paying off of your debt, but also you can go back and review these goals if later down the road you fall off course.

Here is what I wrote down when I originally created my goals to get out of debt.  Mine was almost like a letter or affirmation to myself that included all of my goals and intentions:

I intend to pay off my $30,000 of credit card debt in the next 6 months.  I know this request may seem like a long shot, but nothing is challenging when it comes to the Universe.  I intend to save 10% of my paycheck for the next 6 months and apply that toward my debt.

I will also pick up some additional hours in my work place when possible and even research ways in which I can make some side money online.  I know some sacrifices will have to be made and I am ready for that as will only eat out once a week and eat a majority of my meals at home. When there are opportunities for me to save my money vs. spending it, I will be focusing on saving, knowing that ultimately it will make me happier in the long run.

I know I am not alone in this process as the Universe and the Law Of Attraction have my back. I will put in my daily Law Of Attraction rituals and practices knowing full well I will attract more abundance and be able to get out of debt even quicker. Every day I am becoming more and more wealthy and I am certain my debt will evaporate faster than I can imagine.

You can use my example and put it into your own words or do it however you’d like.  The important thing is you have something you can always go back to and look at if things get difficult for you or you need a little reminder.

Doing this also lets the Universe know your exact specific intentions and takes care of the “asking” step in the Law Of Attraction.

Change Your Relationship With Your Debt

So now that you’ve gotten all the pre work taken care of, it’s time to dive into the fun stuff! It’s time to talk about what our lives are all about… our thoughts! Remember, your thoughts create your entire reality and experience.

Whatever you are thinking about invokes emotion and starts attracting more of whatever emotion you are feeling through the Law Of Attraction. When it comes to debt, just the word itself doesn’t make you feel good. We’ve been trained in our lives to fear debt and look at it as a bad thing.

So now whenever we hear the word “debt” or look at our “debt” we immediately have a sickening feeling come over us. That feeling is not good, simply because it’s causing you to attract more of it in your life.

If you are constantly thinking and stressing about your debt, it’s just going to attract more and more of it.  So how do we counter all of this negative emotion we feel around debt? We simply change our thoughts about debt all together.

Instead of looking at debt as a bad thing… you are going to start looking at it as a good thing. Remember again, you can choose to look at anything however you want to look at it. It doesn’t matter what you choose, the choice is completely yours and life will go on either way.

However, it feels so much better to feel GOOD about something as opposed to feeling BAD about something. It is also much more beneficial for you to feel GOOD about something as opposed to feeling BAD about something because those good feeling thoughts attract more good things into your life experience.

So how can you start seeing your debt as good?

Well think of all the incredible things you were able to do with your life because of your debt! I know for me, I took a lot of vacations, ate out a lot of with my friends, and it paid for a lot of my college textbooks and things like that.  Without my credit cards, I would have not been able to experience any of that.

Heck, I even used my credit cards to pay my rent before when in between jobs. My debt saved me and allowed me to do some really fun things! All those things were really important in my life and I am forever grateful because of that.

When I started to see my debt as a blessing, it started to get easier to take care of. Anytime I got credit card statements and I felt a little negative emotion around it, I would pull out my phone and look at pictures from the vacation to California I took with my friends that I paid for with my credit card.

Immediately a state of gratitude came over me and looking at the credit card statement no longer made me feel bad. There may be other ways you can think of in order to change your relationship with your debt, but I know that worked for me.

Match Up With The Vibrational Frequency Of Abundance

This step piggybacks off of the last paragraph in that every thought that you think emits a vibrational frequency.  When you are a match to a certain frequency, you will attract it into your life experience. Remember, energy attracts like energy.

Right now you are essentially vibrating to the frequency of debt. When you are look at debt and think about debt and speak about debt… guess what? You are attracting debt! It’s time to change your thought process completely around debt!

As we discussed above, you can change your relationship to your debt and begin looking at it from a positive perspective but when it comes to your day to day activites and conversations, you want to speak of abudance! You want to talk about how much money you have flowing into your life experience, you want to think abudant thoughts of a full bank accout and a fat wallet.

You want to start thinking like the richest person on the face of the earth. Even if you think all of these things are untrue, you need to still use your imagination and believe that they are. The more you start thinking in the state of a wealthy person, the sooner you’ll attract more and more money into your experience.

More money means less debt of course! So again, the key is to match up the frequency of wealth and abudance.  Think wealthy thoughts and speak it into existence in your every day life. When you master this you’ll start oozing with confidence and money will begin to flow into your existence.

If you have not already seen this, check out this video below of Abraham Hicks talking about Donald Trump and his relationship with the Law Of Attraction. Whether you support Donald Trump or not, I think this video will give you a much better understanding of what it really means to think and speak abundance into reality.


In order to continue to match up to that frequency of abundance and land yourself in a debt free state, it’s time to visualize! Visualization is an extremely powerful exercise because it allows you to see yourself and feel exactly what it is like to be debt free.  When you feel the feeling of having something before you actually do have it… it must come to you. It’s the law!

Visualization has been practiced by many successful people and it really truly does work. Here is a little step by step guide I love sharing in my articles when it comes to visualizing.  For me, this has been the most effective way I found to properly visualize and make it work wonders.

Close your eyes and imagine yourself with feeling wonderful, abundant, and completely 100% debt free!  Just doing this should give you a little jolt of excitement.

Any positive emotion that you feel is wonderful because that means you are matching up to the frequency of what you want. Remember, if you can see it in your mind’s eye, that means it can exist in this reality.

Play around with the idea of you being completely debt free.  Imagine the day where you wake up in the morning and are sitting in your living room with the sunshine shining in the window.

See yourself feeling wonderful and excited to start the day. See yourself feeling vibrant and radiant. See yourself feeling a sense of freedom because now, all the money that comes to you is actually yours and doesn’t need to be repaid in any way.

Now that you are completely debt free, you have a nice full bank account and full wallet plus a full brand new day ahead of you, what are you going to do next? Are you going to do some shopping? Are you going to go out to dinner with your friends? Are you going to go celebrate and take a wonderful vacation? Or maybe you are going to visit a Financial Planner to have them help you invest some of your money!

Keep asking yourself questions and amplifying your emotions each and every single time.  Again, the more emotion you invoke from this process, the faster your body will more wealth and abundance into your life.

You can visualize as much as you want throughout the day and wherever you’d like to do it.  My favorite time is right before I go to sleep at night

What you think about right before bed, carries on into your subconscious mind during your sleep. The cool thing about that is our life is governed 95% of our subconscious mind. It is literally 1,000 times more powerful than our conscious mind.

So if you are thinking about your health and picturing the perfect version of yourself right before you go to sleep, you’ll literally fall asleep while doing it and all those thoughts and desires will shift immediately into your subconscious. The power of your subconscious mind will literally begin to start making this your reality.

Remember, every time you visualize you are literally one step closer to matching the vibration of your desire and manifesting it right into your existence.

Debt Free Affirmations

I think everyone knows by now, I love affirmations! I have attracted many amazing things in my life just be using affirmations on a regular basis.

Affirmations are positive statements that you say to yourself either verbally or nonverbally that help you keep a positive, successful mindset and overcome any negative thoughts about yourself or your situation.

When you continually repeat your affirmations, you start to believe them and you’ll see these positive changes take place in your life. Here are some great examples of positive affirmations that activate the Law Of Attraction and shrink your debt right before your very eyes! These are shared from FreeAffrimations.Org 

  • I always spend money wisely
  • I know exactly where all of my money is going at all times
  • I am on top of my finances
  • I always find a way to put money in to my savings
  • My mind is highly focused on getting out of debt
  • I always handle my finances with care and attention
  • I am doing whatever it takes to eliminate debt
  • I am in command of my money
  • I am always disciplined in how I spend my money
  • It is important to me that I take control of my finances
  • I enjoy spending my money wisely
  • It feels good when I resist the temptation to spend money unnecessarily
  • I am the kind of person who is just naturally good with my money
  • Being financially healthy is crucial to my happiness
  • I can effortlessly visualize what it will feel like to be debt free
  • Others can see that I am always responsible with my money
  • I find it easy to save money

Pick some of your favorite affirmations and write them down on a paper or keep them in your phone.  You should recite them several times a day in order for your mind to really start listening and for the Law Of Attraction to begin working.

Have Fun – Make A Game Out Of It

Again, it’s important that you change your whole vibration around the idea of your debt.  You are used to thinking of debt in a way that brings more debt into your life.

When it comes to paying off your debt, instead of dreading it each and every time, instead of being annoyed that you have to spend money on your debt instead of spending it on things that you really enjoy, you need to have some fun with it!

The vibrational frequency of FUN is one of the most powerful in the Universe and is right up there with gratitude.  When you are having fun with a certain subject, you are looking at it with absolutely no resistance whatsoever! When there is no negative emotion or resistance in our thoughts, everything that we want can easily flow to us.

I want you to take some time to watch the video below from Abraham Hicks. In this video, they are talking about how you can make a game out of paying off your debt and how all your thoughts around it can change for the better.

If you watched the video you’ll see that you have the power the change your entire mindset around your debt.  You can actually find a way to get excited about paying it off. In the process of that excitement you alter your entire vibration around wealth and begin to attract more and more into your life.

Pretty soon your debt will feel like such an easy mountain to climb and you’ll have enjoyed the whole experience of paying it off. Again, you need to realize that one way or another you are going to pay off your debt.

You can either choose to experience that entire process in frustration, stress and annoyance or you can choose to experience it in absolute joy, absolute happiness, absolute exhilaration.

The choice does not matter again, you can choose whatever you want! But experiencing it in a higher vibrational state will feel so much better and allow you to pay off your debt even faster because you are engaged with the powers of the universe!

My Story – How I Got Out Of Debt

So I wanted to share with you the conclusion to my story when it came to my debt.  It was my goal to pay off $30,000 in a matter of 6 months. Believe me, this goal was a HUGE stretch!

I really didn’t know how it would be possible but I sucked it up and made the goal anyway knowing that anything is possible with the Law Of Attraction. With the amount of debt that I had compared to the amount of money I was making a year at the time in addition to my bills and expenses, it should have taken me 3 or 4 years to pay off.

I ended up doing it in 8 months… so just two months shy of my goal but years ahead of what it should have taken me! I did everything that we talked about above. I altered my vibration, changed the way I saw my debt and tried my best to make a game of it. I also would wake up each day and see myself as the debt already being paid off.

Everytime I made a payment toward my debt I pretended as if I was donating to a charity or sending money to family members.  I tricked my brain into the thinking I was rich and wealthy and therefore I began to attract more wealth into my life.

I ended up getting a nice promotion at my job about 3 months into my “debt paying” journey and my pay went up almost 50%. There suddenly became more opportunities for me to work overtime in my new position so I would take up those opportunities every chance I got.

To top it off I received a $10,000 bonus around Christmas time that year from my job and I put all of it toward my debt.

At one point, I had an old bank call me from a state where I previously lived and tell me I still had an account open with them that had $1,200 in it. I used that money to pay down my debt.

I also went through a lot of old clothes and things of mine I no longer used and sold them on E-Bay for extra cash. Many items sold for so much more money than I ever imagined!

I also would occasionally put a dollar in the scratch off Lotto machine at the grocery story and I won $50 on three different occasions and one time I won $150.

Matt with money

With all these victories plus me putting a percentage of each of my paychecks and being more frugal when it came to things like eating out, I was able to tackle my debt in less than a year!

If it wasn’t for my practice with the Law Of Attraction, I know that 99% of the opportunities I had would not have even been possible. I leveraged the Universe each and every day and because of that, money started to flow into my experience.

It is without a doubt possible for you to do!

Wrap Up

You now have all the information you need in order to manifest a debt free life! It doesn’t matter if your debt is $1,000 or $100,000, the Law Of Attraction process works and will work for you if you put in the steps to activate it properly.

Don’t waste any more seconds deciding on if you should do it, or second guessing your situation. Start right now and write down your goals and start focusing on the result you want. Understand that the Law Of Attraction has your back throughout this entire process.

You cannot fail as long as you don’t give up. If you fall off the horse, re-read over your goals and get right back on! The important thing is you don’t give up and you keep your vibration high!

Your mountain of debt will soon become a small hill and before you know it, a small step and then it will vanish.

Trust the process, trust the Universe, enjoy the unfolding!

Bonus Info

If you need a little extra help getting rid of some of those subconcius money blocks in your life I would recommend trying a special program called Manifestation Magic!

I’ve used the program for several years and it helps get rid of any negative blocks about money and manifestation by using different short audio tracks that you can listen to daily. The cool thing is, the programs guarantees you’ll start manifesting spendable cash within 24 hours of using it or they will give you your money back!

It uses theta brainwave technology to bring your brain into the theta state almost instantly. And this is where the magic happens. This is where the subconscious is most receptive to messages. It really is a fun and easy program and comes with a 60 day no questions asked money back guarantee if you don’t get all your desires manifested.

Even better, once you purchase it’s all available for instant download so you could literally start TODAY! You can click on the link below if you are interested in checking it out! There’s a quick video on the homepage that you can watch that describes the program a little better.

Official Manifestation Magic website: (Opens New Tab)

Here is a quick recap of the things we covered in this article:

1.Get Serious About It
2.Set Your Goals
3.Raise Your Vibration
4.Change Your Relationship With Debt
6.Use Positive Affirmations
7.Make A Game Out Of It

If you have any of your own debt-free success stories… feel free to comment below and share them!

Prefer to Watch Instead Of Read? Checkout my YouTube Video below!

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