6 Tips on How to Manifest Paying Off Debt

Struggling with a positive money mindset while juggling debt? You’re not alone—most people face it at some point. My husband and I managed to pay off nearly 200K. Just to become millionaires a few years later.

So don’t let that weight hold you back! With the right mindset and a few powerful tricks, you can start manifesting money to clear those debts.

Shift Your Mindset for Abundance

a woman struggling with debts

Manifesting money starts with your mindset. To attract abundance, your subconscious mind needs to align with what you want—and that can be tricky when debt dominates your thoughts.

Debt often triggers a survival response, making you focus on the negative. But here’s the truth: you can’t manifest abundance from a place of lack.

Dwelling on your debt only makes it harder to create the financial freedom you desire. Instead, shift your focus to gratitude and empowerment.

Recognize your ability to tackle debt as a step toward abundance. This positive mindset will open the door for more opportunities and financial flow, leading you closer to being debt-free.


  • Pro Tip: To manifest money when you are broke, practice gratitude daily. Instead of resenting your debt, be thankful for the means to pay it off. A simple shift like, ‘I’m grateful I can pay this,‘ can transform your energy and attract abundance into your life.

Another great way to shift your mindset is by reprogramming your subconscious with positive affirmations. Click here, and I’ll send you my favorite guided affirmation session for free.

Observe and Redirect Your Thoughts

Your thoughts shape your reality, so reprogramming your subconscious starts with noticing the patterns in your mind.


Constantly dwelling on debt can leave you feeling overwhelmed and stuck, reinforcing the belief that you’ll never escape it.

But here’s the good news: you can break this cycle by flipping those negative thoughts.

Instead of fixating on your debt, redirect your focus to abundance and opportunities to grow your income.

While this won’t erase debt overnight, it will shift your mindset from lack to possibility. Over time, this new focus can transform your outlook and your reality.

a woman with an abundance money mindset

  • Pro Tip: When a thought about debt pops up, counter it with one about abundance or creative ways to boost your income. The more you practice, the easier it becomes to shift your mental energy toward positivity and progress.

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The ‘Set It and Forget It’ Strategy to Manifest a Debt-Free Life

Manifestation isn’t magic—it requires action, especially when it comes to manifesting getting out of debt. Taking consistent steps to pay it off is essential, but you don’t want to let your feelings about debt dominate your thoughts.

Automating your payments can help. By setting up a system where your debt is paid off automatically, you remove the constant focus on it, giving you the mental space to concentrate on abundance and positivity.


  • Pro Tip: Consider consolidating your debts into one payment and setting up automatic transfers. This way, your debt is being handled in the background, freeing you to focus on creating a brighter financial future.

Visualize Abundance to Manifest Being Debt Free



Visualization is a powerful manifestation tool. By imagining yourself in a life of financial freedom—abundant, debt-free, and thriving—you can train your subconscious to believe it’s your reality.

Since the subconscious doesn’t distinguish between real and imagined experiences, this practice shifts your beliefs and actions toward attracting wealth.

The key is to focus on abundance, not debt. What you dwell on grows, so direct your mental energy toward the positive outcomes you want.

a woman visualizing her abundance lifestyle and living debt free

  • Pro Tip: Add visualization to your daily routine. Whenever thoughts of debt arise, vividly picture your life of financial freedom. See yourself enjoying abundance and ease, and let it guide your actions.

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Dream Big By Setting Big Money Goals

Setting big financial goals might seem counterintuitive when you’re drowning in debt, but it’s a game-changer for manifestation.

a women setting big money manifestation goals


Big goals reprogram your subconscious mind to aim higher and give you the motivation to take inspired action.

When you set a bold target—like having $100,000 in savings—you shift your focus from scarcity to abundance.
This positive focus provides direction and fuels your journey toward financial freedom.

This trick helped my husband and me to become millionaires just a few years after we manifested getting out of debt.

So you never know what the universe holds for you!



Empower Yourself with Positive Money Affirmations

Positive money affirmations are a powerful tool to shift your focus from debt to abundance. Like visualization, affirmations work by reinforcing positive beliefs in your subconscious until they become your reality.

To be effective, your affirmations should reflect your desired financial outcomes, such as “I am financially free,” or “I always have more than enough money.”

Avoid referencing debt or negativity—focus entirely on what you want to attract.

signature saying xo mia fox

P.S. I hope you liked these tips on how to manifest money when you are broke.

By the way. An easy way to reprogram your subconscious is by listening to guided affirmations. Grab your free session here!

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