Are Your Emotions Keeping You Stuck Financially?

Julie Murphy • February 10, 2025

A coin is sitting on top of a pile of rocks.

Be honest…have you ever looked at your bank account and felt a pit in your stomach? Maybe you’re working harder than ever, but no matter what you do, there never seems to be enough. Or you set financial goals with the best intentions, only to fall back into old patterns that leave you frustrated and stuck.

You tell yourself, This time will be different. But somehow, it isn’t.

Sound familiar?

I want you to know—you’re not the only one feeling this way. And most importantly, you haven’t done anything wrong. Your financial reality isn’t just about numbers; it’s deeply tied to your emotions. In our free IMPACT Workshops, we hear it all the time—people stuck in the same patterns, frustrated, and wondering why their financial situation never shifts. But here’s the exciting part: you can break free. Our next workshop is coming up—join us and take the first step toward transforming your financial future.

Money is NEVER Just About Money

I’ve spent decades helping people transform their financial lives, and here’s what I know for sure: Money is simply a reflection of what’s going on inside you. If you’re stuck in cycles of debt, overspending, or scarcity, chances are, there’s an emotional pattern running beneath the surface.

But here’s the good news…once you see it, you can change it.

Let me introduce you to Joan.

Joan was smart, successful, and worked hard. But no matter how much she earned, she never felt financially secure. She saved aggressively one moment, then spent impulsively the next, all while battling constant money stress.

When we started working together, she had a major breakthrough…her money struggles weren’t actually about money at all.

Growing up, Joan had watched her parents fight about money constantly. Her dad held onto every dollar in fear, while her mom spent freely, chasing the feeling of security. Without realizing it, Joan had carried those same conflicting money patterns into her own life.

She even married someone who mirrored her parents’ financial dynamics…leading to years of stress, resentment, and ultimately, divorce.

When she finally saw the emotional roots of her money struggles, everything changed. She realized that fear, not logic, was running the show. And the moment she started healing those emotions? Her financial situation shifted almost effortlessly.

What Emotional Patterns Are Running YOUR Financial Life?

Take a moment and ask yourself:

✔️ Do I avoid looking at my finances because it makes me anxious?
✔️ Do I spend impulsively to feel better, only to regret it later?
✔️ Do I feel like no matter how much I make, it’s never enough?
✔️ Do I stay in situations (jobs, relationships, lifestyles) because of financial fear?

If you answered yes to any of these, your emotions may be running the show more than you realize.

But don’t worry…awareness is the first step to changing everything.

From Stuck to Freedom: Gina’s Story

Let’s talk about Gina.

Gina had a dream…to stay home with her kids. But financially, it felt impossible. She and her husband relied on her $45,000 salary, which made up nearly half of their household income. Every time they talked about money, she felt overwhelmed.

Her inner voice kept whispering, You can’t afford to do that. You’ll never make it work.

That fear kept her stuck.

But instead of letting it control her, Gina and her husband took small, intentional steps to change their reality. They got clear on their spending, reduced debt, and started saving strategically. Not overnight…but little by little.

And after three years of conscious financial choices, Gina was able to leave her job and be home with her kids…just like she had dreamed.

It wasn’t about suddenly making more money. It was about changing her mindset FIRST.

How to Start Shifting Your Financial Reality

If you’re ready to break free from emotional money patterns, here’s where to start:

1️⃣ Identify Your Triggers – The next time you make a financial decision, pause. What emotions are at play? Guilt? Fear? Excitement? Just noticing can start to shift old habits.

2️⃣ Rewrite Your Money Story – If you’ve been telling yourself, I’m bad with money or I’ll never get ahead, it’s time to change the narrative. Start affirming: I am learning to manage my money in a way that supports my dreams.

3️⃣ Take Inspired Action – Small, consistent changes create lasting results. But here’s the key…it has to align with who YOU are, not what others expect from you.

Are You Ready to Break Free?

If you’re serious about shifting your financial reality, I want to invite you to my FREE 3-part live workshop series.

We’re going deep into:

💡 Your Emotions Created Your Financial Reality – Learn how your past emotional experiences have shaped your money patterns.
💡 How to Harness Your Emotions to Get Out of Your Way Financially – Discover powerful tools to shift your relationship with money.
💡 The Key is to Be You…ALL of You! – Align with your true self and watch abundance flow effortlessly.

It’s time to stop letting emotions keep you stuck and start using them to create the financial life you truly want. Sign up today!

< Older Post

Newer Post >

Share Blog On Social

A woman is smiling while money is falling around her.

A book titled the spiritual laws of money

Get it NOW!

Recent Blogs

How to End the Year Like the Wealthy Do

By Julie Murphy • December 10, 2025

Reset Your Money Energy for 2026 Every December, we all feel that pull, the desire to “be better with money next year.” But here’s the secret I’ve seen again and again after nearly three decades of walking alongside people from all walks of life: Financially wealthy people don’t just plan their next year — they energetically complete the one they’re leaving. They close loops. They clear emotional residue. They realign their energy field before they set a single goal. And you can absolutely do the same. As I share in The Emotion Behind Money , wealth is never created by logic alone. It comes from managing the emotions behind your money and understanding that money itself is energy. And in Awaken Your Wealth , I remind readers that energetic shifts begin when you consciously picture yourself stepping into a new reality, while compassionately acknowledging the one you’re standing in now. So let’s walk through the simple year-end process I teach my clients — one that spiritually, emotionally, and financially resets your money field for a powerful 2026. 1. Review Your 2025 Wins & Losses With Compassion Before you step into the new year, look back with the most loving, nonjudgmental eyes possible. I call it neutral observation . Wealthy people don’t spiral into shame when something didn’t go perfectly. They get curious. Ask yourself: Where did I expand financially this year? Where did I contract emotionally or economically? What choices were truly aligned with my values? Which ones came from fear, scarcity, or old patterns? In Awaken Your Wealth , the “Accepting Reality and Awakening” step of PACT teaches that awareness without judgment is how we break old money patterns for good. So breathe. Notice. Write it down. No shame. No spiral. Just truth. 2. Forgive Any Money Mistakes Here’s a truth most people never consider: Every financial mistake carries emotional weight and emotional weight blocks money flow. From my work in The 4 Spiritual Laws of Money , we know that your heart’s energy is more powerful than your brain’s logic, and intention is what redirects energy back into alignment. Forgiveness, of yourself, your past self, or others involved, releases stagnant money energy. Try this: Write down any money decisions from 2025 that still feel heavy. Place your hand on your heart. Say: "I forgive the version of me who made this choice. She/he did the best they could with what they knew at the time.” Forgiveness isn’t about letting mistakes slide. It’s about resetting your emotional money field so you can co-create something new. 3. Create an Energetic Closing Ceremony for the Year This is where wealthy people truly separate themselves; they honor the transition. You can create your own year-end ceremony using whatever resonates from your spiritual toolkit. Here are a few ideas inspired by the intention-setting and clearing practices throughout my work: Light a candle Symbolize releasing the old year and calling in the new. Write a “completion list” Include everything you’re ready to release: debts you’re no longer carrying shame over, relationships you’re energetically cutting cords from, patterns you’re finished reenacting. Burn or bury the list This physical act tells the Universe: “I’m done living from this version of myself.” In The Emotion Behind Money , we explore how inherited beliefs and emotional patterns repeat until they are consciously released. This ceremony is your line in the sand. End with intention Close with one powerful intention for 2026, aligned from your heart: “I choose a new flow of abundance.” “I trust that money comes to me with ease.” “I allow myself to receive the wealth I’ve been working toward.” As The 4 Spiritual Laws of Money reminds us: “The Universe responds to action.” Your ceremony is your spiritual action. Ready to Step Into 2026 Aligned, Clear & Empowered? If you’re craving deeper support with your financial reset, join me for my Emotions Behind Money Workshop in January. If you’ve been feeling the nudge to recalibrate your relationship with money, this is your moment. Let’s make 2026 the year your inner wealth and your financial reality finally match. You deserve abundance and you’re closer than you think. With love, alignment & a whole lot of possibility, Julie ✨