There is a metaphysical principle that your word is your wand; your speech has a powerful effect upon your life in fact creating your reality/life. Thus it is wise to only affirm that which is good, speak well of your future and positively about what you wish to happen in your life and the world. It is also wise for us to speak well of others and use our words to build people up. We should not tear them down.
When creating affirmations think positively, creatively and learn to do this all the time throughout your life and throughout the moments of your life. Let no idle or cruel words form from your lips and you will see an amazing transformation of your life. 
Changing our speech patterns can be hard when we have developed bad habits of speech.  
The term affirmation is usually associated with a positive verbal statement that is made about some goal that we are trying to reach, or some experience we desire to manifest in our lives. Some say that the act of affirmation is an act of faith. It can be an act of faith but it is definitely using the power of your speech to reprogram your mind and through this to transform your life.
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An affirmation can be any statement, act, or symbolic gesture that affirms the best reality that you intend to create. Through the process of affirmation we "act as if" our highest aspirations were already a reality, thus affirming it as our reality and manifesting it in our lives. Here are some links to affirmations for various situations below: I invite you to use them.

In DivineUnity, we begin with "The Word". Words are very powerful.  A person on the spiritual path is aware of this keenly.  Words are like seeds that are planted and grow into bushes, trees, or  weeds and  thorns.   Beautiful seeds that are positive and loving will yield loving and positive results but seeds that are bitter will yield bitter results.

Right Speech is an important tool in personal development.

Just as the way we think affects the way we speak, the way we speak affects the way we think. In fact much has been written in the field of cognitive psychology about "self talk" and how this affects our self esteem and our interactions with others. Being mindful of our speech can have a wonderful effect on all our relationships and most importantly upon ourselves. 

  There are Seven Tools of Transformation which can be used to enable us to transform our thinking and thereby our lives and the world we live in.
These tools are: i) The Word ii) Journaling; iii) Goal Setting/Planning;
iv) Contemplation; v) Visualization;
vi)Affirmative Prayer (Spiritual Mind Treatment); vii) Meditation

We must remind ourselves that our words are prophecies that we fulfill. A great teacher once said: "It is done unto you as you believe." Thus by using affirmations to declare a new and better path, by putting aside our doubts and fears and acting as if our desired goal were already a reality, we bring that reality into existence.

Too many times people will declare a reality that is not pleasant and begin to live it.

Like the woman who was always saying: "Oh what a pain in the neck." When I first met her she was suffering from terrible neck pain and had been to osteopaths md's and massage therapists. She was deeply unhappy and in pain. I pointed out to her that her language was creating her reality. She retrained her speech and her problem 'miraculously' disappeared.

But I know it was not a miracle, it was just the power of Right Speech.
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