19:42

Debt-Free Mindset Meditation

by Kelly Bearer, MA, LPC, ACHT

Rated
4.7
Type
guided
Activity
Meditation
Suitable for
Everyone
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2.3k

Do you find yourself constantly worrying about finances? Do you fear you won't have enough to support yourself? Do you feel stuck when it comes to increasing your financial flow? Activate a debt-free mindset with this guided meditation by Kelly Bearer, MA, ACHT.

MindsetMeditationFinancesFearEnergyEnergy CleansingFinancial HabitsAffirmationsDebtsFinancial VisualizationsSafe Place VisualizationsSeed VisualizationsVisualizationsWaterfall VisualizationsDebt Release

Transcript

Now getting comfortable in all the ways that you know are best for you.

Either sitting or lying down.

And let's begin.

Taking a nice deep inhale and on the exhale closing your eyes all the way down.

Now take a nice deep breath in and as you let it out relaxing your mind and your body.

With each and every breath you find that it's easy and effortless for you to relax even more.

Sinking even deeper into this present moment relaxing,

Releasing,

Really letting it go.

And I want you to visualize or imagine your favorite most relaxing place.

Your safe place.

Any place that's perfect and safe for you.

A place where you feel more safe than you have in a very very long time.

Could be a mountain top or a beach.

Could be your backyard.

Could even be in another dimension or someplace else entirely now.

Whatever you experience is perfect and right for you.

Just allowing yourself now to be there in your safe place.

Notice how wonderful it feels to be there now.

Looking around at all your favorite scenery surrounding you there.

And I want you to begin to walk down a path that appears before you now.

As you walk down this path it opens up to a beautiful waterfall that's perfect and right for you.

Whatever you experience now,

A waterfall of golden healing light or an energetic waterfall.

I want you to walk now and be under that perfect waterfall allowing it to flow into the top of your head.

As you allow your waterfall to flow through the top of your head and down into your neck where it begins to wash away all negative feelings,

Thoughts and beliefs.

Allowing it to continue to flow.

Splashing across your shoulders,

Down your arms,

All the way out your fingertips.

Washing away any negativity.

Allowing it to continue to flow.

Splashing across your shoulders,

Down your arms,

All the way out your fingertips.

Washing away any negativity.

Now allow it to gently swirl into your heart,

Clearing and cleansing as it flows around your heart,

Down into your torso.

Releasing anything and everything that no longer serves you.

As it flows down your legs and out the bottoms of your feet,

All the way down to the center of the earth where it can be transmuted into something positive,

Into the light.

Continue to allow that cleansing force to flow through you until you feel completely clear,

Completely clean,

Free from any of those old feelings,

Thoughts and beliefs.

Really releasing anything and everything that no longer serves you.

Letting it all go.

And now that you are clear,

You are ready to be clear of any debt.

You are ready to be debt-free now.

And so you notice near your perfect waterfall is a clearing.

Perhaps it's the top of a mountain or perhaps it is a meadow or a beach,

A garden.

Perhaps it's even something in another dimension in the debt-free zone of a completely different universe.

Whatever you experience is perfect and right for you.

Experiencing your clearing now.

It's so expansive,

It goes on as far as the eye can see.

Just a rolling expansion of nothing.

So free and clear of anything and everything.

And you begin to notice a short distance off that your debt is rolling in.

In whatever form your debt takes,

It begins to roll in now.

Perhaps you see money or perhaps it comes in the form of bills to pay or items you bought that accumulated this debt or the things you did that got you in debt.

It all begins to roll in.

And perhaps the debt has accumulated around you.

It's more like wisps in the wind or more like a big storm rolling in.

Whatever your experience is,

Is right for you.

And as these winds blow in this debt,

You notice that it reaches an invisible point in your expansive clearing,

Almost as though it has hit a wall.

A wall of financial independence.

Ashes blow in the wind and begin to collect at the base of this invisible wall,

A row of ashes.

This collection has been paid.

So take a moment now to see,

Feel,

And experience all debt hitting the wall to freedom,

Burning up ashes of the past,

Knowing the collection has been paid.

And now that all that debt is paid,

Now that you are debt free,

You once again notice this expansive clearing.

Looking around this expansive clearing,

You find a special place where you can go sit or lie down and in this special place you learn twice as much,

Twice as fast.

Whatever you choose,

Because you are in control and you are ready to plant a new seed now.

As you go sit or lie down,

A computer appears in front of you and it is open to a document.

In this document is a list of all the ways that you paid off all of the debts that you had accumulated.

In this list there might be written how you saved money by buying less,

Or there might be a loan with an affordable interest rate that you are easily making monthly payments on.

Perhaps even a new job,

A second job,

A raise at your current job,

Maybe an inheritance.

All of the known and unknown ways that you paid off your debt now are listed in that document.

So take a moment to really absorb all the ways you paid off that debt that you had accumulated around you.

Taking a moment now to really plant that seed.

Absorb all the known and unknown ways that you paid off your debt in a healthy way.

You know that every day,

In every way,

It is easier and easier for you to be debt-free.

All it takes is making a few small changes in your spending habits.

You choose to spend less and less.

As a matter of fact,

You know that from this moment forward you will make purchases only when you have the money saved in the bank.

If you don't have the money to pay for something outright,

You will wait and save.

You will wait and save because you are planting that seed now.

As a matter of fact,

You realize that the ashes from that paid debt have blown into your special place,

Your safe place.

Out of these ashes comes fertile soil to plant a new seed,

To plant a savings seed that grows a money tree.

I know you may have heard that money doesn't grow on trees,

But we are ready to plant new seeds and you will come to see that money does grow on trees when you spend it wisely.

When you save your money,

You can pay for everything outright and you make out right now by planting that seed being debt-free now.

So take a moment and plant that money tree seed knowing when you save it will grow and grow because you enjoy being debt-free.

Take your time and watch it grow.

Now you are debt-free,

Saving easily and paying outright for all that you purchase.

You have seen all the ways you paid off that debt that had accumulated around you.

All the known and unknown ways that debt can easily be paid in a healthy way.

Repeated in your mind or out loud after me now.

I am open to all the known and unknown ways debt can be paid in healthy ways.

I am open to all the known and unknown ways debt can be paid in healthy ways.

I am open to all the known and unknown ways debt can be paid in healthy ways.

Every day in every way it is easier and easier to be debt-free.

The seed of saving has been planted.

Every day in every way it is easier and easier to be debt-free when you are open to all healthy possibilities.

When you are open to both the known and unknown ways that debt is paid in healthy ways,

You trust the list of how your debt was paid.

Now that seed of savings has been planted.

You find that you enjoy saving before you feel free when you pay outright for an item or an experience.

Now that the seed of savings has been planted,

You find that you enjoy saving before you feel free when you pay outright for an item or an experience.

See,

Feel,

Experience your life being debt-free,

Your savings growing,

Making good spending decisions,

Paying outright for all your purchases now,

Really taking your time to see it,

To feel it,

To experience this,

Really breathe that debt-free life in.

And now taking in and assimilating all you've transformed here today.

Coming back to the room,

Opening your eyes,

Stepping in to your debt-free life.

Meet your Teacher

Kelly Bearer, MA, LPC, ACHTBoulder, CO, USA

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© 2026 Kelly Bearer, MA, LPC, ACHT. All rights reserved. All copyright in this work remains with the original creator. No part of this material may be reproduced, distributed, or transmitted in any form or by any means, without the prior written permission of the copyright owner.

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