Julie Murphy

Speak It Into Existence: You Are the Creator

Wed, 01 Apr 2026 18:37:10 GMT

There’s something I’ve seen over and over again, in my own life, and in the lives of thousands of clients.

We are constantly speaking our reality into existence.

Not just with our words, but with our thoughts, our beliefs, and the energy behind them.

Most people don’t realize this.

They say things like:
“I can’t afford that.”
“Money is stressful.”
“Things never work out for me.”

And then they wonder why their life keeps reflecting exactly that.

Here’s the truth:

Your external world is always responding to your internal dialogue.

Your life is not happening to you.
It’s happening through you.

The Power of Your Words

Every time you speak, you are placing an order with the universe.

When you say:
“I’m building something amazing.”
“Opportunities are always finding me.”
“I trust that everything is working out.”

You begin to shift your energy.

And when your energy shifts, your decisions shift.
Your actions shift.
Your outcomes shift.

This isn’t about pretending everything is perfect.

It’s about consciously choosing the direction of your life.

Because whether you realize it or not…you are already creating.

Creation Starts From Within

Real wealth (financial, emotional, and spiritual) is always built from the inside out.

If your inner world is filled with fear, doubt, or scarcity, that’s what will show up in your finances.

But when you begin to align with your heart, when you start choosing your words with intention…everything begins to change.

Because:

Manifestation begins with desire
Your heart leads the way
Your intention redirects your energy
Your actions bring it to life

This is not a theory.
This is how creation actually works.

What Are You Speaking Into Your Life?

Pause for a moment and ask yourself:

What have I been saying about my life lately?
What story have I been repeating?
Is it creating what I actually want?

Because if it’s not…

You have the power to change it right now.

Not someday.
Not when things get better.

Now.

A Simple Shift

Start here:

Instead of saying
“I’m stuck…”

Try:
“I’m in the process of creating something new.”

Instead of:
“I don’t have enough…”

Try:
“I am learning how to expand into more.”

These aren’t just words.
They are directions.

You Are the Creator

You are not powerless.

You are not waiting on life to change.

You are the one shaping it with every thought, every word, every choice.

And the moment you take ownership of that…everything opens.

Ready to Go Deeper?

This is exactly the work we do inside my weekly coaching calls.

We don’t just talk about money.
We transform the relationship you have with it from the inside out.

We look at:

The patterns running your life
The words shaping your reality
The actions needed to create real, lasting change

Because when you shift internally, your entire world begins to reflect it.

If you’re ready to create a different reality, one aligned with your heart, your purpose, and your true abundance, I invite you to join us .

�� Join the Group Coaching Program here .

Love and light for a world that is ready to heal.

Julie

It’s Time to Refresh Your Relationship with Money

Fri, 06 Mar 2026 22:10:02 GMT

There’s something about March.

The light shifts. The air changes. We feel it in our bodies before we can explain it. A quiet nudge that says, it’s time to move forward.

Spring isn’t just about cleaning closets or organizing drawers.
It’s about renewal.

And that includes your relationship with money.

I’ve noticed something over the years: most people don’t struggle with money because they don’t know what to do. They struggle because they’re carrying old emotional patterns into a new season.

Old fears.
Old beliefs.
Old stories about “not enough.”

But spring doesn’t ask permission from winter before it arrives.
It simply shows up.

And you can do the same.

Where Are You Still Holding Onto Winter?

Take a moment and ask yourself:

Are you still making financial decisions from fear?
Are you avoiding looking at your numbers?
Are you waiting for the “perfect time” to start changing?

Growth requires movement.

Not perfection.
Not certainty.
Movement.

I’ve seen so many people transform their financial lives once they stop trying to force change and instead start creating space for it.

Space for awareness.
Space for compassion.
Space for new choices.

That’s where real wealth begins.

Momentum Matters

March is the perfect month to build momentum.

Not a dramatic overhaul.
Not a stressful reset.

Just intentional forward motion.

One client recently shared with me, “I didn’t need more money. I needed more clarity. Once I felt clear, the money followed.”

That’s what happens when you clean up the emotional clutter around money. When your energy shifts, your results shift.

And you don’t have to do it alone.

If You’re Ready to Step Into a New Season

This month, I’m opening up my Group Coaching Program , and it’s designed for exactly this kind of renewal.

Inside, we don’t just talk about numbers.
We talk about mindset.
Energy.
Patterns.

Healing the root so your financial life can finally breathe.

If you’ve been feeling that nudge, that quiet voice saying, it’s time, trust it.

This could be your season.

Join the Group Coaching Program here .

Because when you awaken your wealth, you awaken yourself.

When You Realize You’ve Been Flying With Clipped Wings

Wed, 04 Feb 2026 22:38:24 GMT

There comes a moment on the growth path when you realize something uncomfortable but deeply freeing:

No one clipped your wings.
You allowed it.

Not maliciously.
Not consciously.
But slowly… through compromise, silence, and trying to keep everything “reasonable” and “fair.”

Most of us don’t lose our wings overnight.
We give away feathers one decision at a time.

We allow situations that no longer fit who we are becoming.
We say yes when our body says no.
We keep structures in place long after they’ve stopped supporting our evolution.

And then one day, we feel trapped.
Stuck.
Frustrated.
Disconnected from our own power.

Here’s the reframe that changes everything:

If you allowed your wings to be clipped, you can also choose to restore them.

Awareness is not failure.
It’s the beginning of sovereignty.

This isn’t about blame of yourself or anyone else.
It’s about responsibility in the most empowering sense of the word.

Responsibility says:
“I see where I handed over authority that belonged to me.”
“I see where I stayed quiet to keep the peace.”
“I see where old decisions no longer match my current truth.”

And then responsibility asks a better question:
“What would honoring myself look like now?”

Sometimes that means renegotiating.
Sometimes it means restructuring.
Sometimes it means saying a clean, clear no where you used to explain, justify, or tolerate.

Growth requires space.
Vision requires altitude.
And wings don’t work when they’re tied to the ground.

If you’re feeling restless right now, that’s not a problem.
It’s information.

It’s your inner wisdom letting you know that the container you’re in may have been right for who you were, but not for who you are now.

You’re not meant to stay small to keep systems comfortable.
You’re not meant to dim to maintain balance.
You’re meant to fly fully expressed, fully resourced, fully aligned.

So here’s your reflection for this month:
Where have I outgrown what I’m still allowing?

Sit with it.
Listen without judgment.
And trust that clarity always arrives when you’re ready to honor it.

Your wings remember what to do.

With clarity and courage,
Julie

P.S. If this reflection is stirring something and you’re sensing that it’s time to restore your wings with support rather than doing it alone, I’m offering a free coaching experience this February to help you identify where you’ve outgrown old containers and what honoring yourself looks like now. You can join us here. Offer expires on February 24th, 2026.

The Problem with New Year’s Resolutions (and the Softer Way Forward)

Tue, 06 Jan 2026 13:00:00 GMT

Every January, I watch the same cycle repeat itself.

We make resolutions with the best intentions:
“I’m going to save more.”
“I’m finally getting out of debt.”
“This is the year I take control of my money.”

And then… life happens.

By February (sometimes by January 15th), willpower fades, old habits resurface, and that familiar voice creeps in:
“What’s wrong with me? Why can’t I stick to anything?”

Here’s the truth I want you to hear loud and clear:

You are not broken.
The system is.

Why Willpower Alone Doesn’t Work

Traditional resolutions are created from the mind , not the heart .

They rely on discipline, force, and logic — all left-brain strategies. But money decisions aren’t driven by logic alone. They’re driven by emotions, beliefs, and subconscious patterns formed long before we ever had our first paycheck.

That’s why white-knuckling your way through change rarely lasts.

When your heart isn’t on board, the subconscious always wins.

As I share in The Emotion Behind Money , we don’t change our financial lives by managing money better; we change our financial lives by understanding the emotions behind our money.

This is where intentions come in.

Goals vs. Intentions: Mind vs. Heart

A goal says:
“I want to save $20,000.”

An intention says:
“I choose to feel safe, supported, and abundant in my life.”

Goals focus on outcomes.
Intentions focus on alignment.

Goals live in the mind.
Intentions live in the heart.

And when your heart is aligned, the actions you take become sustainable, not exhausting.

That’s exactly why I created PACT , which I introduce in my book Awaken Your Wealth .

PACT: Your 4-Step Roadmap for 2026

PACT is not a goal-setting system. It’s an intention-setting framework that integrates your emotional, spiritual, and financial life.

P — Picture Yourself
This is where intention begins.

Not “What should I do?” but “What do I desire?”

Picture your life three to five years from now.
How do you feel in your body?
What does ease with money look like?
What feels expansive and life-giving?

Your heart already knows the way — this step simply gives it permission to speak.

A — Accept Your Reality (and Awaken)
Acceptance is not giving up. It’s waking up.

When you stop judging where you are, you reclaim your power. From neutrality, you begin to see the emotional patterns and beliefs that have been quietly driving your financial choices.

You can’t heal what you shame.
You can’t change what you won’t look at.

C — Choose to Change
This is where intention becomes embodied.

Change doesn’t happen because you should .
It happens because something deeper says,
“I choose differently now.”

Here, you consciously choose new beliefs, new responses, and new ways of relating to money, aligned with who you truly are, not who you were taught to be.

T — Take Action
Action is the final step — not the first.

When your emotions, intentions, and awareness are aligned, action feels cleaner and more natural. You’re no longer forcing change. You’re flowing with it.

This is how real, lasting transformation happens.

Why PACT Works When Resolutions Don’t

PACT doesn’t ask you to fix yourself.
It invites you to understand yourself.

It honors the emotional component of money (the part most systems ignore), and when you address the emotions behind your financial behavior, everything else begins to shift with far less effort.

That’s the heart of the work I’ve been doing for decades.

If you’re ready to step into 2026 differently, not from pressure or willpower, but from awareness and intention, I’d love to support you.

✨ Join me for a free webinar: “The Emotions Behind Money” on January 29th, 2026, at 10 am PT | 11 am MT | 12:00 pm CT | 1 pm ET. Sign up here.

This workshop is focused on The Emotion Behind Money and how understanding your emotional relationship with money allows you to create intentions that actually stick.

Because this year doesn’t need more discipline.

It needs compassion, clarity, and alignment.

With so much love and belief in you,
Julie ��

How to End the Year Like the Wealthy Do

Wed, 10 Dec 2025 22:26:48 GMT

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 ✨

The Frequency of Gratitude: How Thankfulness Attracts Wealth

Tue, 04 Nov 2025 11:00:00 GMT

As we move into November, something subtle begins to shift. The air cools, the pace slows, and for a brief moment, the world feels softer. It’s in this slowing down that we find one of the most powerful tools for attracting abundance: gratitude .

Gratitude isn’t just about listing what you’re thankful for. It’s a frequency : an energetic vibration that aligns you with more of what you love. When you feel grateful, you move out of scarcity and into flow. You stop striving and start receiving.

In my years of coaching and financial planning, I’ve seen this truth play out again and again: money responds to energy . When we focus on lack, we create more of it. When we focus on appreciation, even for the smallest blessings, we invite expansion and opportunity.

So as we approach Thanksgiving, I want to remind you: abundance doesn’t wait until January. It begins in the quiet moments of gratitude that open your heart and shift your perspective today.

Ask yourself: Where can I feel more grateful right now? Maybe it’s the roof over your head, the clients you’ve served, the lessons learned, or the loved ones who’ve stood beside you. Every time you acknowledge the good in your life, you strengthen your energetic foundation for wealth.

As you focus on gratitude, you’ll start to notice synchronicities: new opportunities, unexpected blessings, a sense of peace around money that wasn’t there before. That’s the power of frequency. Gratitude raises your vibration, and abundance meets you there.

If you’re ready to align your energy, your money, and your mindset with gratitude, I’d love to help you take that next step. Join my group coaching and together we’ll close out the year from a place of appreciation and expansion, creating the space for a truly abundant 2026.

✨ Click here to join my group coaching and experience what it feels like to let gratitude lead the way.

Because when you awaken your wealth, you awaken yourself.

With Love,
Julie

Stop Postponing Your Abundance: The Time to Begin Is Now

Thu, 09 Oct 2025 11:00:00 GMT

There are only 90 days left in the year, and what you do now sets the tone for everything that follows.

Most people wait until January to ‘start fresh,’ but the wealthy don’t wait. They align now.

This is one of my favorite times to pause, reflect, and realign; not just with our goals, but with our hearts. If you’ve read Awaken Your Wealth , you know that true financial transformation doesn’t start with spreadsheets or budgets. It starts within. The way you end your year sets the energetic tone for how you’ll begin the next one. These last 90 days aren’t just about finishing strong; they’re an opportunity to reset, refocus, and step into 2026 with clarity and abundance.

So before you jump into planning, take a breath. Ask yourself: Am I closing this year in fear, or in faith?

To help you do that, let’s revisit the framework from Awaken Your Wealth: the PACT process and use it to finish the year with power and purpose.

P: Picture Yourself

Before diving into numbers, picture how you want your life to feel.

Close your eyes: what does financial peace look like for you? Maybe it’s paying off a credit card, starting your dream business, or simply feeling calm when you check your bank balance.

Write down what comes up, without judgment , no perfection needed. This is where abundance begins: by seeing yourself already living the life you desire.

A: Accept Reality and Awaken

Pull out your statements. Look at your spending, saving, and emotions, because your relationship with money mirrors your beliefs.

Instead of criticism, try compassion. Say to yourself: 'This is where I am, and I’m ready to grow from here.' Awakening begins when we meet our reality with love and curiosity, not shame.

C: Choose to Change

Once you see clearly, decide what’s next.

What are you ready to leave behind in 2025? Fear? Overworking? Financial chaos?

And what will you invite into 2026? Confidence. Clarity. Joy.

Every choice you make shifts your energy. When you align your decisions with your heart, not your fears, you create space for new opportunities to flow.

T: Take Action

Now, take one simple, meaningful action this week that aligns with your future self.

Maybe it’s automating a savings deposit, setting a boundary around work, or scheduling a visioning session for 2026.

Remember: the Universe meets you in motion. You don’t have to overhaul everything, just take one intentional step. Small steps create momentum, and momentum builds miracles.

You Don’t Have to Do This Alone

Transformation happens faster, and with far more joy, when you’re supported and held accountable by others walking the same path.

So, to help you step into your next level of abundance, I’m offering a special gift: join my group coaching for the month of October completely free!

This month, we’ll focus on closing out 2025 strong: emotionally, energetically, and financially, so you enter 2026 grounded in clarity and abundance

✨ Click here to join my free October group coaching , and let’s make these final months the turning point in your financial and spiritual journey.

Because when you awaken your wealth, you awaken yourself.

You are not behind. You’re right on time, and abundance starts the moment you say yes to yourself.

Why Budgeting Alone Will Never Fix Your Finances

Thu, 11 Sep 2025 13:00:04 GMT

When most people come to me for financial advice, they expect me to talk about budgets, investments, and strategies for building wealth. And while those tools have their place, they are not where true transformation begins. That’s why in my books and free workshops , I don’t just hand out financial tips, I guide people through the deeper emotional work, helping them uncover the hidden beliefs and patterns that shape their relationship with money.

Money is never just about money.
It’s about what’s happening inside of us.

In my book, The Emotion Behind Money , I share parts of my own story not because they’re perfect, but because they’re real. For years, I did everything “right” financially. I worked hard, earned the money, and hit the milestones. On the outside, it looked like I was thriving. But inside, I was exhausted. I was using money as a way to prove my worth, to feel safe, and to quiet the parts of myself that felt unseen.

Let me ask you:

Do you ever find yourself making financial choices you later regret and wondering, Why did I do that again?
Do you feel like no matter how much money you earn, it never feels like enough?
Or maybe you’re careful and disciplined with money, yet there’s always an undercurrent of fear, like it could all disappear tomorrow?

If so, you’re not alone. I’ve been there. And I’ve watched countless people walk through the same struggle.

Here’s what I eventually realized:
If we don’t face the emotions underneath our money choices, fear, guilt, shame, even pride, we stay stuck in cycles that no spreadsheet can fix.

I remember one powerful moment when I realized how much my financial decisions were tied to childhood patterns. Growing up, I learned to equate love and approval with achievement. So, as an adult, money became my measuring stick for “being enough.” Every bonus, every new client, every milestone gave me a temporary high, but it never lasted. The void always came back.

And I see this pattern again and again in the lives of people I work with. Some overspend to numb pain. Others save obsessively, afraid they’ll lose everything. Others give it all away because they’ve been taught their needs don’t matter. These are not money problems. They’re emotional wounds showing up in financial form.

What if your financial patterns are also connected to your deeper story? What might shift for you if you stopped seeing money as just numbers on a page and started seeing it as a mirror reflecting back where your soul is asking for healing?

Imagine this: instead of making choices out of fear, you feel grounded and confident about your decisions. Instead of carrying shame, you learn to meet yourself with compassion. Instead of feeling like money controls you, you use it as a tool to create the life you truly want.

This is possible for you. I’ve seen it happen again and again.

So how do we begin to heal?

Get curious about your patterns . Instead of beating yourself up for a “bad” decision, ask: What was I really feeling in that moment?
Connect your money story to your life story . Think about what you learned about money growing up. Was it scarcity, survival, abundance, or avoidance? These scripts still run the show until you rewrite them.
Lead with compassion . Money stirs up shame for so many of us. Healing begins when you soften the judgment and choose to see yourself with kindness.

When you begin to recognize the emotions behind money, something shifts. You stop seeing money as the enemy or as the savior. Instead, it becomes a mirror, reflecting back where your soul is asking for healing.

This journey isn’t about having a perfect budget. It’s about creating an authentic relationship with money that actually supports the life you want to live.

My hope in writing The Emotion Behind Money was to give people permission to finally tell the truth about what’s really going on beneath the surface. Because when you heal your relationship with money, you open the door to healing your relationship with yourself.

And that, to me, is true wealth.

If this message speaks to you and you’re ready to go deeper, I’d love to invite you to join my upcoming Emotions Behind Money free workshop personally.

In this live, interactive space, we’ll explore the emotions behind money together. Not just in theory, but in real time. You’ll have the opportunity to ask me your own questions, share what’s coming up for you, and be guided step-by-step through the process of uncovering your unique money story.

My intention is to help you see how these patterns affect not only your finances, but also your relationships, your career, and your sense of peace, so you can begin creating a path that truly aligns with who you are. Sign up here!

Wake Up to Your Wealth in 21 days

Tue, 12 Aug 2025 19:29:17 GMT

The alarm goes off. You hit snooze again. Not because you’re tired, but because you're tired of the life you’re waking up to. For most people, that buzzing alarm clock feels more like a reminder of a life they’re stuck in, rather than a life they’ve chosen.

But what if that exact same alarm clock became your favorite sound?

What if it meant something entirely different?

Most of us aren’t tired just because we didn’t get enough sleep.

We’re tired of pretending.
Tired of going through the motions.
Tired of ignoring our dreams, silencing our passions, and making decisions based on fear, especially around money.

Your alarm clock doesn’t just wake up your body — it wakes up your reality . And if you’re not excited to get out of bed in the morning, something needs to shift.

Right now, you might feel like your life is being dictated by your job, your bills, your obligations — as if you’re stuck on autopilot. But the truth is: you are the creator of your own life . You don’t have to keep living a version of reality that doesn’t feel aligned.

When you start making decisions from your heart instead of your fears, everything changes. You start living on your terms . And that alarm clock? It becomes a symbol of freedom, purpose, and joy.

✨ Imagine this:

You wake up clear, rested, and excited to dive into a day filled with meaning, not just tasks. You’re working on things that light you up. You’re surrounded by alignment, not obligation. And you finally feel like your life fits you, because you created it.

Before I ever started helping others transform their relationship with money and create lives they love waking up to, I had to face my own. On the outside, it looked like I had things together — career, responsibilities, success. But inside, I was exhausted. Not just physically, but emotionally and spiritually. I had unknowingly built a life around fear, obligation, and deeply rooted beliefs I had inherited growing up — beliefs like “you have to work hard to survive,” or “there’s never enough,” or “put everyone else first, always.”

I was chasing security while starving my soul.

I didn’t even realize how much I was living by default, not design, until everything in me started to feel out of alignment. The pressure, the fatigue, the disconnection — it wasn’t just burnout. It was my truth trying to get my attention. When I started on this journey, I had to evaluate my life and face my own beliefs, especially the ones I didn’t even realize were holding me back.

Through my journey, I learned how to truly set my clients up for success, not just financially, but emotionally and spiritually. I’ve guided them through their own limiting beliefs and emotional blocks, helping them reconnect with their purpose and step onto a path of fulfillment, freedom, and a life that feels deeply meaningful.

The 21-Day Wake Up Wealth Challenge is your roadmap to get on that very same path — a path toward alignment, clarity, and a life you’re excited to wake up to each day.

It’s not just about money. It’s about freedom . It’s about awakening your truth. It’s about rebuilding your relationship with your finances, your purpose, and your inner power — one day at a time.

Your new morning starts here.

Join us for 21 days of guided reflection, real transformation, and deep inner wealth building.

By the end, you won’t just love your alarm clock — you’ll love your life .

�� Click here to join the challenge

Much Love,
Julie

You’ve Given Enough. Now It’s Time to Receive.

julie@juliemurphy.com (Julie Murphy) — Tue, 29 Jul 2025 21:19:04 GMT

Let’s get honest.

Most people think they have a money problem.
But what they really have… is a power problem.

For over 25 years, I’ve worked with people who are doing all the “right things” on paper — budgeting, working hard, showing up for everyone — but inside?

They're burnt out.
They’re tired of holding it all together.
And when they check their bank accounts?
They don’t feel peace. They feel panic.

Does this feel familiar to you?

Here’s the truth no one teaches:

How you feel about money is how you feel about your worth .
How you relate to spending is how you relate to boundaries .
How you show up for your finances is how you show up for yourself .

We’ve been taught to give endlessly… to say yes when we mean no… to spend on everyone else and feel guilty for investing in ourselves.

That’s not just financial sabotage.
That’s emotional burnout disguised as being "responsible."

But there comes a point when you wake up and say:

No more.

No more outsourcing my power.

No more abandoning myself to please others.

No more making financial decisions from guilt, fear, or shame.

You don’t need more spreadsheets.
You need to reconnect with your voice.

You need a safe space to say:

"I’m ready to stop surviving, and start trusting myself again."

Say it with me aloud once more:

"I’m ready to stop surviving, and start trusting myself again."

How does it feel? Tell me!

Awaken Your Wealth , my weekly group coaching program, is that safe place!

We don’t just fix finances — we heal the root.
We release old beliefs, restore boundaries, and build a relationship with money that reflects the truth of who you are.

Because real wealth isn’t about how much you have.
It’s about how fully you’re willing to receive.

I know this stirred something in you — that’s not random.
That’s your inner compass saying: It’s time.

�� Learn more about coaching with me

You don’t have to do this alone.
You were never meant to.

Julie

What Happens When You Finally Put Yourself First

julie@juliemurphy.com (Julie Murphy) — Tue, 08 Jul 2025 20:04:32 GMT

Somewhere along the way, many of us were taught that putting ourselves first was selfish.
That choosing rest meant we were lazy.
That saying “no” made us difficult.
That wanting more — peace, abundance, joy — was somehow wrong.

But here’s what I know after 29 years of coaching people through their money stories:
The moment you choose YOU… everything changes.

Recently in one of our weekly coaching sessions, a woman shared how she finally set a boundary with a family member who had been financially draining her for years.

She said, “I felt guilty for so long, but when I finally stood up for myself… I felt free .”

And then the ripple effects came:

She landed a new client.
She slept through the night for the first time in months.
She started smiling again — not because everything was perfect, but because she was finally aligned.

That’s the power of choosing yourself.

You stop leaking energy.
You stop attracting chaos.
You start to magnetize what matches your truth.

And no, it’s not always easy — but it’s always worth it.

That’s what we do every week in my Awaken Your Wealth group coaching program. We don’t just talk about money. We heal the emotional and energetic blocks that keep you from receiving it.

We dive into:

Money patterns from childhood
Subconscious beliefs around worth and safety
Real-time decisions about boundaries, career shifts, and relationships

If this resonates… if you’re ready to stop surviving and start aligning — I’d love to have you join us.

�� Learn more about coaching with me

Remember: choosing yourself isn’t selfish. It’s sacred.

Much Love,
Julie

From Debt to Empowerment: A True Story of Money Healing

julie@juliemurphy.com (Julie Murphy) — Tue, 24 Jun 2025 11:00:00 GMT

She sat on the floor crying about money…
She didn’t need another spreadsheet.
She needed someone to see her pain.

I’ll never forget the day she walked into my office.

She had the degrees.
She had the title.
She even had a six-figure job.

But she also had $90,000 of debt…
a husband she couldn’t talk to about money…
and a pattern of financial self-sabotage that went back to childhood.

She wasn’t broken.
She was blocked.

Blocked by guilt.
Blocked by shame.
Blocked by an invisible belief that she wasn’t worthy of ease.

Together, we didn’t just build a budget.
We built a new relationship with money — and with herself.

We uncovered the patterns.
We honored the emotions.
And then… we took action from a place of alignment.

Today , she’s not just debt-free.

She’s empowered,
open,
and making financial decisions that are rooted in self-respect, not fear.

She no longer flinches when she looks at her bank account.
She no longer avoids the hard conversations.
And she finally feels free to create a life that reflects her true worth.

If this story feels familiar…
If something inside you is saying “it’s time” —
I invite you to join me for live weekly coaching .

Every week, we gather in a sacred space where money meets soul, and real transformation begins.

We work together. We clear blocks. We take action.
Because your wealth isn't just in your bank account — it’s in your energy.

Learn more and reserve your spot here.

You’re not broken.
You’re just ready to rise.

Much Love,
Julie

Step Into Your Power: Define Your Financial Freedom on Your Terms

julie@juliemurphy.com (Julie Murphy) — Tue, 03 Jun 2025 11:00:01 GMT

Listen up. This is your wake-up call.

For far too long, you’ve let someone else’s definition of success control your life. The title. The car. The house. But here’s the real truth:

You define your success.

Not them. Not anyone else. You.

The world’s noise is relentless — but that doesn’t mean you have to listen.

The constant pressure to “do more” — push harder, achieve faster.

The curated, picture-perfect lives flashing across your screen, making you question why you’re “not there yet.”

The endless “shoulds” — should make more, should be further along, should be doing it like everyone else.

The fear-driven voices that tell you you’re not enough. Not enough money, not enough time, not enough success.

Stop. This noise isn’t yours. It’s not your truth.

Your path? It’s not about chasing someone else’s dream. It’s about creating YOUR dream, on YOUR terms.

What does financial freedom look like for YOU? Is it owning your time? Living life on your own terms? You decide what that looks like.

Stop measuring yourself against the world’s standards. The hustle. The grind. The rat race. That’s not your game. True success comes when you tune out the noise, and focus only on what’s true for YOU.

This is the moment.

What does success really mean to you? Dig deep, and ask yourself: What’s the life I want to create? The moment you decide — really decide — that your success is defined by YOU, everything shifts.

It’s all waiting for you. Trust that your path is already there. You already have everything you need to make it happen. Now step into it.

Let’s go. You’ve got this.

With love, strength, and the unwavering belief that you define your future,

Julie

Financial Healer | Truth Teller | Wealth Awakener

Soar Through the Chaos – Without Losing Yourself

julie@juliemurphy.com (Julie Murphy) — Thu, 15 May 2025 15:00:00 GMT

Have you felt it?

That strange tension in the air... like something’s coming but no one knows what.

The economy’s shaky. The news is noisy. People are overwhelmed, burned out, and ready to check out — or blow up.

But let me say something that might crack you open:

“You don’t have to fix the chaos.

You just have to stop letting it run you.”

We're in a collective initiation.

The old systems are breaking. The masks are falling.

And the real question isn't "what’s going to happen?"

It’s: "Who are you going to be through it?"

Because here’s the truth most people miss:

You don’t wait for life to settle down to rise.

You rise because life got messy — and you chose to meet it with truth.

So... how do you ride the wave when everything feels like too much?

Let me give it to you straight.

This is what I guide my clients through.

This is how we create real wealth — the kind that starts inside.

1️⃣ Picture Yourself

If you were living from truth — not fear — what would you do today?

Let that version of you lead.

2️⃣ Accept the Now

Stop fighting what is.

Say it out loud. Face it.

Only when you accept reality can you shift it.

3️⃣ Choose to Change

You’re not powerless. You’re patterned.

Ask: What’s one choice I can make today that’s different from yesterday?

4️⃣ Take One Bold Action

Truth without action is just noise.

The Universe responds to energy in motion .

Speak it. Move it. Be it.

When you stop outsourcing your worth — you become unshakable .

When you stop waiting for peace and start embodying it — you become limitless .

This isn’t about controlling the storm.

It’s about learning to breathe in the eye of it .

You’re not here to survive.

You’re here to activate.

Let’s rise.

Julie

Financial Healer | Truth Teller | Wealth Awakener

What If the Shifts We're Seeing Aren’t a Breakdown… But a Realignment?

julie@juliemurphy.com (Julie Murphy) — Fri, 11 Apr 2025 18:05:10 GMT

There’s a lot of movement happening in the world right now—tariffs, trade shifts, financial restructuring. For some, these changes feel unsettling. For others, long overdue.

But what if it’s not about who’s right or wrong?

What if we’re simply witnessing an adjustment—a recalibration of agreements that have been running on autopilot for decades?

Whether we view these shifts as progress or disruption, there’s no denying that they’re asking us to pay attention.

They’re stirring conversation.
They’re challenging comfort zones.
They’re surfacing questions many haven’t asked in years… if ever.

Questions like:

What defines fairness in a global system?
Have we outgrown structures that once served us?
How do we create alignment without assigning blame?

This isn’t about politics. It’s about perspective.

And it’s okay if that perspective is still evolving.

What I’ve found is that neutrality doesn’t mean passivity—it means clarity. It gives us space to see the full picture, not just the part that agrees with our own.

From that space, we don’t have to fear change.
We can engage with it.
We can be curious about it.
And we can explore how to move forward—together.

Because no matter how it looks on the outside…
Inside, we’re all being asked to shift something.

— Julie
Helping you awaken your wealth through alignment, not argument.

I Grew Up Believing Money Had to Be Hard…Then I Learned This…

julie@juliemurphy.com (Julie Murphy) — Fri, 28 Feb 2025 00:01:46 GMT

For years, I did all the "right" things. I climbed the career ladder, saved my pennies, and even made friends with a few financial planners. I thought I was adulting at an elite level. But despite all my best efforts, my bank account still had commitment issues…money would show up, wave hello, and then vanish like it had better places to be.

I tried everything. Budgeting apps, color-coded spreadsheets, even manifesting abundance by sticking affirmations on my bathroom mirror. (Spoiler alert: the universe still made me pay my bills.) And yet, no matter how hard I tried, I couldn’t shake the nagging feeling that there was never going to be enough.

Sound familiar? You’re not alone.

I see this all the time in our workshops. So many of us grew up believing that money has to be hard…that financial freedom is for other people, the ones who have it all figured out. But here’s the thing: that’s just not true. And I want to share my story with you because these emotional patterns around money don’t just affect our finances…they shape our entire lives. It’s also why I wrote The Emotions Behind Money book and created my upcoming three-part workshop series to help you shift your relationship with money from stress to empowerment.

I get it. I’ve been there.

For years, I felt like my wallet had a secret escape hatch…money would slip through before I even had a chance to enjoy it. No matter how much I earned, it seemed to disappear faster than a plate of fries at a family gathering. I was constantly giving, constantly providing, making sure everyone else was taken care of first. Because somewhere deep down, I believed that if I wasn’t the responsible one, the generous one, the fixer …I wouldn’t be loved.

Of course, I had no idea at the time that I was simply replaying my childhood financial patterns on repeat, like a song stuck on an old cassette tape.

Growing up as the second oldest of twelve kids in a working-class Irish Catholic family, money was practically an endangered species. It was borrowed, stretched, and often spent before it even had a chance to settle in the bank account. Birthday cards? Oh, those weren’t just for celebrating another year…they doubled as emergency bill payments. (Thanks, Grandma!)

So, I learned early on that money wasn’t something you had …it was something you worried about .

And that belief followed me well into adulthood. Even when I built a successful career, even when I started making more money than I ever thought possible, I still felt like I was constantly one step away from financial doom. Because that’s what I had been taught: Money wasn’t just dollars and cents…it was a reflection of my worth, my role, and my responsibilities.

Maybe you can relate?

Maybe you grew up hearing “money doesn’t grow on trees” or that you have to “work hard to earn a good living.” Maybe you were told that wanting financial abundance meant you were selfish. Or maybe you just never saw a model of what true financial freedom actually looked like.

But here’s what I’ve learned: Financial freedom isn’t about how much money you have. It’s about the relationship you have with it.

Your Emotions Created Your Financial Reality

For years, I had no idea that my financial stress had nothing to do with money itself…it had everything to do with the emotions I had attached to it.

I gave money away because I thought taking care of others made me valuable.

I avoided looking at my bank statements because I didn’t want to feel the shame of overspending.

I kept myself stuck in survival mode because that was all I had ever known.

But once I started digging deep…once I started looking at the emotions behind my money habits…everything changed.

I saw how my upbringing had shaped the way I viewed money.

I realized that my worth wasn’t tied to how much I could provide for others.

And I finally gave myself permission to prioritize my own financial well-being.

This is what I help people do every day: unravel the emotional stories that keep them stuck and rewrite their financial reality.

And that’s exactly what we’ll focus on in Workshop 1 of my three-part series. We’ll uncover the hidden emotional patterns that shape your financial habits and explore the deep-seated beliefs that might be keeping you stuck. Because until you shift your inner world, no financial strategy will ever truly stick. Save your sport here .

The Emotional Shift That Will Change Your Financial Reality

Let’s be real…money isn’t just about paying bills or building a solid retirement plan. It’s about how you feel when you tap your card for that latte, check your bank balance (while holding your breath), or imagine your future financial self…hopefully sipping margaritas on a beach somewhere.

And if money makes you feel like you’re starring in a never-ending horror movie…cue the ominous music when the bills arrive…no budgeting hack or side hustle is going to magically make it better.

For years, I thought if I could just earn more, everything would fall into place. Spoiler alert: It didn’t. I kept giving it away, making guilt-ridden financial decisions, and repeating the same patterns I had watched my parents navigate.

I didn’t realize it at the time, but I was using money as a security blanket for my deeper emotions…fear, insecurity, and the constant need to feel needed. Until I faced those emotions head-on, no financial strategy could truly save me.

So, I did something radical: I stopped running from the discomfort and actually paid attention to my money habits (without wine... most of the time).

That’s when I saw my real fears…the fear of not being enough, the fear of letting people down, the fear that if I stopped giving, I wouldn’t be loved. And the moment I faced those emotions? My entire financial life started shifting.

This inner work is just as important as any financial plan….and it’s exactly what we’ll be diving into in Workshop 2 . Together, we’ll uncover the emotional patterns that are keeping you stuck and learn how to shift from self-sabotage to self-empowerment. And trust me, the financial glow-up that follows? Worth it. Save your sport here .

The Key Is to Be ALL of You

But healing your relationship with money isn’t just about breaking bad habits…it’s about fully stepping into who you are.

For most of my life, I played a role…the responsible one, the giver, the one who made sure everything was okay. And for a long time, I thought that was just who I was.

But the truth is, I was hiding parts of myself to fit that role.

I was afraid to fully step into my power. I was afraid to admit that I wanted more… more money, more freedom, more abundance… because I had been taught that wanting those things was selfish.

But here’s what I’ve learned: when you align with your true self, financial abundance flows naturally.

When I finally let go of the beliefs that weren’t serving me…when I stopped holding myself back out of fear…that’s when everything changed.

And it can change for you too.

That’s what we’ll dive into in Workshop 3 , how to break free from limiting beliefs, step fully into your power, and create a financial life that aligns with the real you. No more hiding. No more guilt. Just you, living in full alignment and true abundance. Save your sport here .

You Deserve to Feel at Peace with Money

If any of this resonates with you, let me tell you something important: You’re not the only one who’s ever felt this way, and you certainly don’t have to figure it out alone.

Money is emotional. It’s messy. It makes us feel things….sometimes great, sometimes like we need a nap and a snack just to deal with it. And if you feel stuck, frustrated, or overwhelmed, I want you to know it’s not because you’re bad with money… it’s because no one ever handed you a manual on how to heal your relationship with it. (Seriously, where was that class in school?)

But good news: we’re about to change that.

Because you, my friend, are about to break free from all that financial baggage and step into a whole new way of thinking about money…one that’s lighter, more empowered, and dare I say, even fun. (Yes, fun. Money and fun CAN go together, I promise.)

And we’re going to do it together .

✨ Imagine a life where money doesn’t feel heavy—where it finally feels easy….

�� Reserve Your Spot for the Workshop Series Now!

Your past doesn’t define your financial future. Let’s create something new…together.

Are Your Emotions Keeping You Stuck Financially?

julie@juliemurphy.com (Julie Murphy) — Mon, 10 Feb 2025 23:49:55 GMT

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!

Strengthen Your Financial Muscles and Design the Life You Want

julie@juliemurphy.com (Julie Murphy) — Thu, 30 Jan 2025 21:14:03 GMT

It Starts with Loving Yourself

We talk about physical fitness all the time…going to the gym, eating right, staying active. But what about financial fitness?

Just like building strong muscles, creating the financial life you desire takes consistent effort, commitment, and most importantly… self-love .

Why Building Your Financial Muscles Matters

Your financial habits are like muscles. If you’re not working on them, they weaken, leaving you feeling out of control or stuck in patterns that don’t serve you.

But here’s the truth: you can shift your financial reality at any moment.

It’s not about guilt over past decisions or wishing you’d done things differently. It’s about stepping into your power right now and choosing a new way forward.

When you strengthen your financial muscles, you’re not just increasing your wealth…you’re creating a life that reflects your deepest values, fuels your passions, and supports your long-term happiness.

Self-Love Is the Foundation of Financial Fitness

Here’s the thing…money isn’t just about numbers. It’s about how you value yourself.

Do you overspend to fill an emotional void?
Do you avoid looking at your finances because it feels stressful?
Do you put everyone else’s needs before your own?

These behaviors aren’t just financial habits. They’re reflections of self-worth. When you truly love yourself, you make empowered choices, set boundaries, prioritize your goals, and make decisions that align with your vision for life.

What Happens When You Build Financial Muscles?

Imagine feeling completely at peace with money, knowing you’re making smart choices, staying aligned with your goals, and watching abundance flow into your life. That’s what happens when you commit to financial fitness.

Here’s how you do it:

✅ Awareness: Identify the patterns and beliefs that have shaped your financial life without judgment, just with curiosity and compassion.

✅ Strength Training: Small, consistent actions, like setting a budget, tackling debt, or shifting your mindset…lead to powerful, lasting results.

✅ Alignment: When your financial habits align with your vision for life, everything changes. No more stress. No more regret. Just confidence, freedom, and flow.

If you are ready to transform your relationship with money and build the financial muscles you need to create the life you desire join the FREE 21-Day "Wake Up to Your Wealth" Challenge – Starting September 8th!

�� Click Here to Register Now

This isn’t about spreadsheets and restrictions. This is about aligning with what you truly want, breaking old patterns, and stepping into financial freedom with confidence and self-love.

Here’s what you’ll gain in the challenge:

✨ Align with Your Desires: Get crystal clear on what you truly want from your financial life and set powerful intentions that match your values.

�� Take Small, Powerful Steps: Daily practical exercises to help you shift habits and create meaningful, lasting change…without feeling overwhelmed.

�� Build Yourself Up: Strengthen your financial mindset, release guilt and fear, and start making decisions that reflect your worth.

People just like you have completely transformed their lives with this approach. Now, it’s your turn.

The Time Is Now

The Wake Up to Your Wealth Challenge begins September 8th . Join here.

This is your moment to take charge of your financial future, align with abundance, and start living the life you deserve.

Because real wealth isn’t just about what’s in your bank account—it’s about feeling fulfilled, empowered, and in complete alignment with your purpose.

Let’s build your financial muscles together . Are you in?

This is Your Time: Align Your Goals and Ignite Your Best Year Yet

julie@juliemurphy.com (Julie Murphy) — Tue, 31 Dec 2024 20:28:10 GMT

Let’s get real for a moment…do you ever feel like you’re living someone else’s life? Maybe you’ve checked all the boxes: steady job, bills paid, a routine that looks good from the outside. But inside? Something’s missing.

If this resonates, you’re not alone. So many of us go through life feeling stuck, drained, and out of alignment with who we truly are. The cost? Emotional exhaustion, financial stress, and the nagging sense that this can’t be all there is.

Here’s the good news: It doesn’t have to be this way.

You can break free. You can realign your life. And you can create what I call real wealth a life of joy, purpose, and freedom that feels as good on the inside as it looks on the outside.

Let’s dive in.

1. The Cost of Staying Stuck

Why do we stay in situations that aren’t serving us? Because the devil you know feels safer than the unknown.

But let’s be honest…staying stuck comes at a price:

Financially: Overspending to maintain a lifestyle that doesn’t light you up, or feeling trapped in a job that’s all about survival, not joy.
Emotionally: Holding on to relationships, beliefs, or habits that weigh you down.
Energetically: Misalignment drains your energy, keeping you overwhelmed and unable to move forward.

The longer you stay misaligned, the further you drift from the life you’re meant to live .

2. Why Financial Alignment Is Non-Negotiable

Let’s talk about money…because misalignment doesn’t just show up emotionally; it shows up in your finances too.

Here’s the thing: money is a tool. And when you use it in alignment with your values, it supports a life of purpose and freedom. But when your finances are out of alignment, they create roadblocks.

Ask yourself:

Are you spending to keep up appearances, not because it brings you joy?
Are you stuck in a job you hate because you feel financially trapped?
Are fear and guilt driving your financial decisions?

When you bring your financial life into alignment, it stops being a source of stress and starts being a foundation for abundance.

3. Letting Go of What’s Holding You Back

Here’s a hard truth: You can’t create alignment without letting go. That might mean releasing:

Physical clutter: Your messy closet might be more than just “stuff”...it could be a reflection of emotional blocks.
Old spending habits: Look at where your money goes. Does it reflect your values, or is it tied to outdated expectations?
Toxic relationships: Boundaries are hard, but they’re essential to living in alignment.

Letting go isn’t always easy, but it’s the only way to create space for what truly aligns with your soul.

4. The Courage to Choose Alignment

Letting go is one thing. But stepping into alignment ? That takes courage.

Alignment often means making bold choices:

Walking away from “safe” situations that don’t feel right anymore.
Facing fears about money, success, or failure.
Saying no to what doesn’t serve you, even if it’s uncomfortable.

Courage doesn’t mean you’re fearless…it means you take action despite the fear. Trust me, what’s waiting on the other side of change is worth it.

5. Redefining Real Wealth

Spoiler alert: wealth isn’t just about money.

After 25 years of working with clients, I’ve learned that real wealth is about alignment. It’s about:

Financial freedom to live on your terms.
Emotional well-being rooted in your values.
Purposeful abundance that feels joyful and fulfilling.

A big bank account without alignment feels empty. True wealth is about creating a life that makes your heart sing.

6. Why Most Resolutions Fail (and What to Do Instead)

We’ve all made resolutions to “fix” our lives. But most resolutions fail because they come from the head, not the heart.

Here’s a fun fact: Your heart’s energy field extends eight miles, compared to just two feet from your brain. When your goals align with your heart’s desires, they have the power to stick.

So this year, ditch the surface-level resolutions. Instead, focus on intentions that align with your soul’s deepest truth.

7. Your First Steps Toward Alignment

If you’re ready to break free and step into a life of alignment, here’s where to start:

Reflect: What feels out of alignment in your life?
Release: Let go of one thing—a belief, habit, or even physical clutter—that no longer serves you.
Take Action: Set one small, soul-aligned intention and take your first step toward it.

And if you’re ready for deeper transformation, I’ve got something special for you.

Join Me for My Free Workshop on January 9th

This isn’t just another “new year, new you” talk. It’s a hands-on workshop where we’ll:

Break free from the patterns keeping you stuck.
Align your finances, emotions, and goals with your true self.
Create a roadmap for sustainable joy, purpose, and real wealth.

You deserve a life that feels as good as it looks. And this workshop is your first step.

�� Click Here to Register Now

2025 Is Your Year to Align

The life you’re dreaming of? It’s not out of reach. It’s waiting for you to take the first step.

Stop settling. Stop spinning your wheels. Start living a life that feels abundant, aligned, and unapologetically YOU.

Are you ready?

Let’s do this…together.

If you’d like to explore more ways to cultivate a thriving relationship with money, I invite you to join me for our next IMPACT Workshop . These workshops are designed to help you align your financial mindset with your deepest values, so you can confidently create the wealth and life you deserve. Plus, we’ll dive deeper into practices that will help you enhance your overall well-being and prosperity.

Our next workshop is just around the corner —don't miss out! Click here to learn more and register. I look forward to seeing you there and supporting you on your journey to financial freedom and abundance!

How to Build a Financial Plan You Love in 2025

julie@juliemurphy.com (Julie Murphy) — Thu, 05 Dec 2024 20:13:58 GMT

Backdooring Your Budget: A Fresh Path to Financial Freedom

Does the word budgeting make you cringe? Do you feel a pang of guilt every time you think, “I really should budget better, but honestly, I just don’t want to”? You’re not alone. For many, traditional budgeting feels like a chore, a constant reminder of restrictions and sacrifices.

Over the years, I’ve worked with countless clients who’ve shared this exact sentiment. But what if there were another way? A way to take control of your finances without feeling trapped or weighed down?

Enter the concept of “ backdooring your budget .” This strategy, inspired by a long-time client, flips the script on traditional budgeting. Instead of forcing yourself into a rigid structure, this approach allows you to align your financial choices with your natural tendencies and what truly brings you joy. It’s about creating a relationship with your money that feels empowering, not draining.

In this final blog of the year, I’ll guide you through how to “backdoor your budget,” drawing on the transformative insights from my books: The Emotion Behind Money, Awaken Your Wealth , and The 4 Spiritual Laws of Money. Let’s embark on this fresh path together and step into financial freedom…on your terms.

1. Reframe the Concept of a Budget

Let’s be real… budget can feel like a four-letter word. It often conjures up images of restriction, sacrifice, and joylessness. But what if we ditched the word altogether? Instead of “budgeting,” let’s call it directing your cash flow . Doesn’t that sound more empowering?

This simple yet profound shift transforms how you think about your money. Instead of feeling like you’re pinching pennies, you’re actively choosing how your money supports the life you love. Ask yourself: “How do I want my money to flow to bring more joy, ease, and fulfillment into my life?”

I remember one client who embraced this mindset shift in a big way. They dreamed of taking a much needed vacation but kept saying, “I can’t afford it.” When we reframed the situation, they asked a new question: “How can I reallocate my cash flow to make this trip happen?”

This one change in perspective was a game changer. By focusing on possibilities instead of limitations, they found the resources to take the trip without sacrificing other priorities. It wasn’t about cutting back, it was about aligning their money with what brought them happiness.

This is what I love about the concept of directing your cash flow. It invites you to step into a space of abundance, where every financial choice is an act of intention and empowerment. So, are you ready to let your money flow where your joy grows?

2. Embrace Awareness Over Precision

Not a fan of tracking every penny? You’re in good company! Precision isn’t the secret to financial success… awareness is. Instead of obsessing over detailed accounting, focus on tuning into your spending patterns.

Here’s an easy way to start: for one week, use cash for discretionary purchases. The act of physically handing over money creates a moment of pause, giving you the chance to connect emotionally with your spending. Suddenly, it’s not just numbers on a screen, it’s a conscious decision.

One of my clients, who couldn’t stand spreadsheets, gave this a shot. By swapping cards for cash, they uncovered spending habits that didn’t align with their goals. And here’s the magic: this wasn’t about guilt or judgment. It was about awareness. That simple shift empowered them to redirect their money toward what truly mattered, without feeling restricted.

Awareness is powerful because it’s not about perfection, it’s about alignment. So if the thought of tracking everything feels overwhelming, let it go. Start small, get curious, and watch as your financial choices naturally fall into place.

3. Create a Safe Financial Container

Think of your financial plan as a supportive container …something that holds your dreams and goals with care, not a straitjacket that suffocates your joy. In The 4 Spiritual Laws of Money , I talk about the power of aligning your financial systems with your emotional needs. Why? Because your relationship with money is just that…a relationship. It should support and nurture you, not overwhelm or restrict you.

One of my clients was dreaming of a career change but felt paralyzed by the idea of drastically cutting back their spending. Together, we created a safe financial container that felt achievable and empowering. We set up an automatic transfer of $400 from their paycheck into a savings account every payday.

Here’s the beauty of starting small: it takes the pressure off. My client didn’t feel like they were sacrificing their current happiness, but over time, those consistent deposits added up. As their savings grew, so did their confidence. That “safe container” became the foundation they needed to take a leap toward a more fulfilling career.

When your financial systems work with your emotions and not against them..they become a source of safety and possibility. So, ask yourself: what container can you create to hold space for your biggest dreams?

4. Tune into Your Body’s Wisdom

Your body is one of the most powerful tools you have for making financial decisions. It’s constantly sending you signals, little nudges of tension or relaxation to let you know whether a choice feels right. The key is learning to listen.

One of my clients wanted to trim $1,000 from their monthly expenses but felt anxious and overwhelmed just thinking about it. Their shoulders tensed, their breath quickened. It was their body screaming, “Too much, too fast!” So, we scaled it back. When we adjusted the amount to $400, their whole posture changed, their shoulders softened, and they let out a deep sigh of relief. That was their body’s way of saying, “This feels doable.”

This is the wisdom of your body at work. It’s not about pushing yourself into discomfort, it’s about finding a balance that feels safe yet expansive. When you tune into these physical cues, you create a financial plan that aligns with both your emotions and your capacity to grow.

So, next time you’re weighing a financial decision, pause and ask yourself: “How does my body feel about this?” If you feel tense, scale back. If you feel calm and grounded, lean in. Your body knows more than you think...it’s your partner on this journey to financial freedom.

5. Test and Adjust Incrementally

Big financial changes can feel overwhelming, but here’s the good news: you don’t have to tackle everything at once. Small, consistent adjustments are where the magic happens. They build confidence, create momentum, and most importantly…don’t leave you feeling deprived.

I worked with a couple who had their sights set on saving $10,000. At first, the goal felt impossible, like climbing a mountain without a trail. So, we broke it down. They started by trimming just $50 from their grocery budget, small enough to feel manageable but impactful enough to get the ball rolling.

Over time, as their confidence grew, they began to save more. Within six months, they were setting aside $500 a month with ease. The key? They didn’t force massive changes all at once. Instead, they tested what worked, adjusted where needed, and let their progress build naturally.

This incremental approach is all about meeting yourself where you are and taking one small step at a time. Whether you’re saving, paying off debt, or reallocating resources, remember: it’s not a sprint, it’s a series of thoughtful, steady moves that lead to lasting change.

So, what’s one small adjustment you can make today to move closer to your goals? Start there, and watch how those small wins add up to something extraordinary.

6. Align Financial Choices with Your Heart

The ultimate purpose of backdooring your budget is simple yet profound: to align your financial decisions with what truly lights you up. As I share in The 4 Spiritual Laws of Money , financial alignment isn’t just about managing dollars and cents, it’s about following your heart.

One client of mine had a deep love for art but hesitated to spend money on classes, dismissing them as indulgent and impractical. We worked together to reframe this expense, seeing it not as a luxury but as an investment in their creativity, happiness, and sense of purpose. That simple shift in perspective unlocked something powerful. They dove into the classes, rediscovered their passion, and, to their surprise, found that the joy they cultivated bled into other areas of life. It improved their personal relationships and even sparked unexpected career growth.

This is what financial alignment is all about, letting your money support your dreams, passions, and well-being. Backdooring your budget means working with your natural tendencies, not against them. It’s about releasing guilt, embracing awareness, and creating financial systems that are rooted in your values.

As we step into 2025, take a moment to reflect : What small shifts can you make to align your finances with your dreams? Whether it’s tweaking your cash flow, getting curious about your spending, or creating a safe container for your goals, remember this: transformation starts with one intentional step.

If you’re ready to embrace abundance and align your money with what truly lights you up, I invite you to join me for the IMPACT Workshop . This isn’t just about managing money; it’s about creating a financial life that supports your deepest values and helps you step into the empowered, abundant version of yourself.

In this workshop, you’ll discover how to shift your financial mindset, unlock practices that enhance your prosperity, and embrace a future filled with confidence and clarity. Whether you're looking to improve your cash flow, build wealth, or simply feel more in control, this workshop will guide you every step of the way.

2025 is YOUR year. Don’t let it pass you by without making the changes you deserve. Click here to learn more and reserve your spot today. I’m cheering you on every step of the way…let's make this your most abundant year yet!

Your Body Knows Your Money Story. Are You Listening?

julie@juliemurphy.com (Julie Murphy) — Tue, 29 Oct 2024 11:15:00 GMT

I know what you might be thinking: Julie, what does money have to do with my physical body? Well, let me tell you—more than you think! In fact, this is a topic we talk about a lot during our coaching calls and in our free IMPACT Workshop , because your relationship with money impacts every part of your life—including your health. Over the years, I’ve seen firsthand how our emotions around money show up in our bodies in ways we don’t always realize. We feel it in our shoulders, our stomachs, and even in our sleep patterns. So, let’s dive into how money affects your physical well-being and, more importantly, how we can start healing that relationship together.

Feeling Money in Your Body

You’ve probably noticed that your body reacts when you’re stressed about money. Ever get a knot in your stomach when an unexpected bill arrives? Or maybe your neck and shoulders tighten after a long talk about finances? Yep, that’s your body talking to you, trying to process the stress and worry around money.

Money isn’t just something we deal with mentally or emotionally —it’s physical too. Whether we’re conscious of it or not, financial stress impacts our body. Think about it: when you’re worried about making ends meet, your body goes into “fight or flight” mode. That’s your nervous system kicking into high gear, pumping out stress hormones like cortisol. Over time, this constant stress can wear you down, leading to issues like high blood pressure, headaches, poor sleep, or even digestive problems. Sound familiar?

I always say money is energy , and just like food or air, it flows in and out of our lives. When that energy gets blocked by fear, guilt, or shame, it shows up in our physical health. But the good news is that once we understand this connection, we can start healing it!

Healing the Stress Response

Here’s the thing: you can’t just “budget” your way out of financial stress if you’re still carrying emotional baggage about money. We have to start by recognizing how deeply connected our emotions are to our finances—and then how those emotions affect our bodies.

One of the first steps I encourage is tuning into how your body responds when you’re thinking about money. Does your heart race when you check your bank account? Do you clench your jaw when you get a credit card statement? These physical reactions are clues! Your body is telling you something is off. And listen, this isn’t about beating yourself up. It’s about awareness. Once you notice what’s happening, you can start shifting how you respond.

My Own Journey with Money Stress

I’ll be honest, I didn’t always have this perspective. For years, I thought if I could just “fix” the numbers in my bank account, everything would be fine. But no matter how much I earned or saved, I couldn’t shake the underlying anxiety that was showing up in my body. I was constantly tense, losing sleep, and feeling overwhelmed. Sound familiar?

It wasn’t until I started healing my emotional relationship with money that I noticed a change in my physical health. I started practicing mindfulness, deep breathing, and reminding myself that my financial worth wasn’t tied to my self-worth. And you know what? My body began to relax. I felt lighter, less anxious, and more in control of my life.

Practical Tips for Healing the Money-Body Connection

Here are a few simple things you can do to start healing the connection between your money and your physical health:

Breathe: I know it sounds basic, but deep breathing is a powerful tool! When you feel that financial stress creeping in, pause for a moment and take a few deep breaths. This helps calm your nervous system and gives your body a chance to reset. Just a few breaths can make a big difference.
Journal Your Reactions: Start paying attention to when your body reacts to money stress. Do you get headaches? Feel tension in your back? Jot down what you notice, and over time you’ll start to see patterns. Once you’re aware, you can start working on ways to soften those reactions.
Reframe Your Thoughts: This is a big one. Often, the stories we tell ourselves about money create unnecessary stress. Maybe you grew up hearing things like “there’s never enough” or “money is the root of all evil.” Those beliefs sink deep into our subconscious and fuel the stress cycle. Let’s work on shifting those thoughts. Instead of focusing on lack, start telling yourself, “I am in control of my finances, and abundance flows to me.” Trust me, reframing your mindset can change everything.
Move Your Body: Sometimes, the best way to release financial stress is to physically move your body. Whether it’s a walk, a yoga class, or even dancing around the living room (my personal favorite!), moving helps get that stuck energy flowing again.

Let’s Work on This Together

I want you to know that healing your relationship with money isn’t just about dollars and cents—it’s about creating peace in your body, mind, and spirit. You deserve to feel good, both financially and physically. So, take a deep breath and know that you’re not alone on this journey.

I’ve been there, and I’ve helped so many people heal their money stories. Together, we can create a life where financial abundance and physical well-being go hand in hand. Your body—and your bank account—will thank you!

If you’re ready to dive deeper and start this healing process, I invite you to join us for our next IMPACT Workshop . It’s a powerful, free workshop designed to help you break through those old money patterns and create the financial future you deserve. Sign up today, and let’s take the first steps toward your financial and physical freedom together!

Remember, healing takes time, but every small step you take today is moving you closer to a healthier, more abundant future. You’ve got this!

The Power of Reflection: Strengthening Your Financial Path with the 4 Spiritual Laws of Money

julie@juliemurphy.com (Julie Murphy) — Wed, 02 Oct 2024 09:00:00 GMT

In my book, " The 4 Spiritual Laws of Money , " I explain that wealth isn’t just about managing money—it's about aligning with the deeper, spiritual principles that guide our financial lives. These four laws offer a powerful framework to create lasting abundance, but they aren’t a one-time fix. Instead, they are tools to be revisited and reapplied throughout your journey.

Reapplying the 4 Spiritual Laws of Money for Continuous Growth

We all know the feeling—just when you think you've got your finances in order, something shifts, and it feels like you're back at square one. Maybe an unexpected expense pops up, or perhaps your goals change as your life evolves. Whatever the reason, financial growth is not a “set it and forget it” journey. It requires ongoing effort, reflection, and adjustment. This is where the 4 Spiritual Laws of Money come in.

These laws aren’t just one-time lessons; they are a powerful framework that you can revisit and reapply whenever life (or your bank account) needs a tune-up. Let’s dive into how each law can be reworked into your daily life, helping you to stay on the path of financial abundance.

1. Manifestation Begins with Desire

You’ve likely heard it before— knowing what you truly want is the first step to creating it. But here’s the thing: what you want today might be different from what you desired a few years ago. Life changes, and so do your dreams.

Take a moment to check in with yourself. What do you really desire now? Is it financial freedom, a vacation home, or maybe the ability to give back to your community in a bigger way? Whatever it is, don’t be afraid to dream big. Let your desires guide you as they evolve. Reaffirming your desires regularly ensures that you're always manifesting what aligns with the current version of you.

2. The Heart Is Stronger Than the Brain

When it comes to money, we’re often told to “be logical” or “stick to the numbers.” But one of the most beautiful spiritual laws of money reminds us that the heart is stronger than the brain . In other words, decisions made from a place of love, passion, and authenticity are far more powerful than those made from fear or strict logic.

Ask yourself: Are your current financial choices aligned with your heart? Does how you’re making and spending money feel good on a soul level? When you revisit this law, you might realize it's time to adjust your financial strategy to better match your heart’s desires. This could mean choosing a career path that fulfills you or focusing on spending in ways that bring you joy, not just security.

3. Intention Redirects Energy

The power of intention is real. When you set a focused intention, you shift the energy of your life in that direction. But the key word here is focused.

As life moves forward, it’s easy to let distractions pull your energy in too many directions. That’s why it’s crucial to regularly revisit your intentions. Are they still aligned with where you want to go? Take time to refocus. This might mean creating new financial goals or reaffirming old ones. By re-centering your intentions, you’re not only redirecting your energy—you’re also inviting the universe to step in and help you make those goals a reality.

4. The Universe Responds to Action

We’ve all been there: thinking, dreaming, planning—but not doing. This is where the fourth spiritual law comes in as a loving nudge. The universe can only respond when you take action.

What steps have you taken lately toward your financial goals? Even small actions—like setting up an automatic savings plan or looking into a new investment—send powerful signals to the universe that you’re serious about manifesting abundance. And the universe will respond! The more action you take, the more opportunities seem to “magically” appear.

Remember, action doesn’t have to be overwhelming. Start small, but be consistent. Every step you take builds momentum toward your goals.

Why Reapplying the Laws Matters

Life is full of changes. Your financial situation, goals, and even your mindset will evolve over time. That’s why it’s essential to revisit and reapply the 4 Spiritual Laws of Money regularly. They’re not static rules but a dynamic, flexible framework that grows with you.

Think of these laws like a compass for your financial journey. Whenever you feel off track, return to them. When you’re uncertain about your next move, let them guide you. The more you use them, the more they’ll become a natural part of how you think and act around money.

Embrace the Journey

Remember, financial growth is a journey, not a destination. There will be twists, turns, and perhaps a few bumps along the way, but with the 4 Spiritual Laws of Money, you’re never lost. These principles are here to help you continuously grow, adapt, and realign with your true financial path—one that leads not just to wealth, but to joy, freedom, and fulfillment.

So, the next time you feel a shift in your financial landscape, don’t panic. Instead, revisit these laws, reapply them, and watch how they continue to guide you toward your next level of abundance.

Now, what’s your next step?

If you found these insights helpful, you’ll love " The 4 Spiritual Laws of Money , " where these principles are explored in depth. It’s now available as an audiobook, making it easier than ever to absorb these powerful lessons on the go. Whether you're commuting, exercising, or relaxing, you can take the wisdom of these spiritual laws with you wherever you are. Start your journey to financial and spiritual abundance today!

Building Financial Stability from Within

julie@juliemurphy.com (Julie Murphy) — Tue, 03 Sep 2024 09:00:00 GMT

As someone who has guided countless clients toward true wealth, I know how crucial it is to build financial stability, especially in times like these. And that’s where my approach, outlined in my first book, "The Emotion Behind Money" , comes into play.

In my work, I emphasize that wealth isn’t just about numbers—it's about what's happening inside you as much as what's happening around you. The Emotion Behind Money is all about building wealth from the inside out, which means bringing your authentic self to the forefront of your financial decisions. When your money is aligned with who you truly are, you create a foundation that can withstand even the most uncertain times.

Feeling anxious about the future—whether it’s due to financial, economic, or inflation-related concerns—is a common experience. But often, that anxiety signals that your money isn’t set up in alignment with your authentic self. When this alignment is off, it’s easy to feel ungrounded and uncertain. I’ve seen this time and again in my work as a financial planner, and I’m here to help you shift from anxiety to assurance by realigning your financial life with who you really are.

Let’s face it: the economic landscape is challenging right now. Inflation is driving up costs on essentials like gas, food, and education. Interest rates are climbing, and while wage growth might seem positive, it can have long-term consequences for the economy. It’s easy to get caught up in these concerns, but I believe there’s a better way to approach them.

The Outside vs. The Inside

When we think about wealth, we often focus on external factors: the stock market, interest rates, inflation, job security, and so on. These things are important, but they’re only part of the picture. What’s going on inside you—your beliefs, values, and emotions —plays an equally crucial role in your financial stability.

If you’re feeling anxious about the future, it might be a sign that your finances aren’t fully aligned with your true self . When you’re not grounded in your financial decisions, it’s easy to feel out of control and overwhelmed by external events. But when your money is set up in a way that reflects who you are and what you value, you’ll find that you can navigate uncertainty with much more confidence and peace of mind.

Creating Financial Space

One of the most important steps you can take to create financial stability is to build financial space. This means having enough room in your budget to handle unexpected expenses, economic downturns, or other financial challenges without feeling panicked.

Start by taking a close look at your current financial situation. Are there areas where you could reduce your debt? Are there expenses you could eliminate or cut back on? By making these adjustments, you can free up cash flow that can be redirected into savings or investments, creating a buffer that will protect you in times of uncertainty. I’ve created a Cashflow Worksheet to help you get started on this journey. You can download it here .

Another crucial aspect of creating financial space is to avoid taking on unnecessary debt. For example, many people take out loans from their 401K accounts, thinking it’s a quick fix. But in the long run, this can lead to more financial stress. Instead, focus on building up your savings so that you have the cash on hand to cover unexpected expenses without resorting to credit cards or loans.

Empower Your Choices

A big part of building financial stability is recognizing that you have a choice in how you manage your money. It’s easy to feel like a victim of the system, especially when you’re facing financial pressure. But when you realize that you have the power to make decisions that align with your values and goals, you take control of your financial future.

For example, instead of feeling like you "have to" use credit cards to cover expenses, reframe it as a choice. If you truly need to use credit, do so with intention and a plan to pay it off quickly. But if it’s possible to avoid it, choose to do so. This simple shift in mindset can make a huge difference in how you feel about your financial situation.

Insulate Yourself from Economic Uncertainty

We can’t control what’s happening in the global economy, but we can take steps to insulate ourselves from its effects. This starts with being proactive about your finances. By setting up your money in a way that aligns with your true self, you create a foundation that can weather any storm.

Whether it’s building up your savings, reducing your debt, or making thoughtful financial choices, every step you take toward financial stability helps to create a sense of security. And that security isn’t just about having more money in the bank—it’s about knowing that you’re in control of your financial future, no matter what happens in the world around you.

Protect Your Energy and Shift Your Money Mindset for Greater Clarity and Abundance

julie@juliemurphy.com (Julie Murphy) — Tue, 27 Aug 2024 09:00:00 GMT

In our most recent IMPACT workshop, we explored a powerful practice that I highly recommend incorporating into your daily life—the Platinum Shield Prayer . Not only can this practice help protect your energy and maintain clarity, but it also has a profound impact on cultivating a healthier relationship with money.

What is the Platinum Shield Prayer?

The Platinum Shield Prayer is a simple yet transformative practice designed to envelop you in a protective layer of divine light. This shield helps block out negativity, lower energies, and external influences that may cloud your judgment or drain your energy. It is especially useful when dealing with the emotional ups and downs related to money—whether it’s fear , scarcity, or uncertainty.

At its core, this prayer is about connecting with the divine to safeguard your mental, emotional, and spiritual well-being, which naturally extends to your mindset around money. By strengthening your sense of protection, you empower yourself to make clearer, more confident financial decisions, free from external pressures or limiting beliefs.

Why Use the Platinum Shield Prayer for Money Mindset?

Many of us carry deeply ingrained beliefs about money—beliefs that may not serve us in building the life we desire. We absorb financial anxieties from others, societal pressures, and even our own past experiences. This can create blockages that prevent us from attracting abundance or feeling secure in our financial journey.

During our last IMPACT workshop , we discussed how life’s demands and financial pressures can sometimes overwhelm us, making it difficult to maintain balance and clarity. This is where the Platinum Shield Prayer becomes incredibly valuable—it acts as a spiritual barrier, helping you stay aligned with a mindset of abundance while filtering out the scarcity mindset, fear, and financial stress that often seep in.

Using this prayer regularly allows you to reclaim control over your financial energy. It helps you clear the path to prosperity by focusing on what truly serves your highest good in terms of wealth and well-being.

How to Use the Platinum Shield Prayer

You can use this prayer as part of your morning routine, before making important financial decisions, or any time you feel the weight of money-related stress. Here’s a simple version to get you started:

Find a quiet space where you can sit or stand comfortably.
Take a few deep breaths, grounding yourself in the present moment.
Visualize a platinum shield of light forming around you—bright, strong, and impenetrable.
As you envision this shield, say the following prayer (or create your own version):
“I call upon the divine light to surround me with a platinum shield of protection. Let this shield deflect all negativity, lower energies, and anything that does not serve my highest good—especially related to my relationship with money. I am safe, I am abundant, and I am protected. So it is.”
Sit for a moment in this protective energy, allowing yourself to feel the strength and stability of the shield around you, knowing that you are worthy of financial peace and prosperity.

Building a Healthier Money Mindset with Support

Incorporating the Platinum Shield Prayer into your routine is just one of many ways to shift your money mindset toward abundance. It allows you to release fears and limiting beliefs that hold you back, creating space for greater financial clarity and success.

If you’d like to explore more ways to cultivate a thriving relationship with money, I invite you to join me for our next IMPACT Workshop . These workshops are designed to help you align your financial mindset with your deepest values, so you can confidently create the wealth and life you deserve. Plus, we’ll dive deeper into practices that will help you enhance your overall well-being and prosperity.

Our next workshop is just around the corner—don't miss out! Click here to learn more and register. I look forward to seeing you there and supporting you on your journey to financial freedom and abundance!

Awaken Your Wealth in Just 21 Days

julie@juliemurphy.com (Julie Murphy) — Tue, 06 Aug 2024 12:15:00 GMT

Let's get real for a second. We've all had those moments when money feels like a complete mystery, right? Like, "Where does it all go?" or "Why can't I seem to get ahead?" Trust me, I've been there too. But here's the exciting part: what if I told you that money is simply energy—a limitless resource just waiting for you to tap into?

Starting September 8th , we're embarking on a 21-day journey together, and it's not just about dollars and cents. It's about transforming your entire mindset around money and stepping into a life of financial freedom and joy. This challenge is designed to help you break free from those pesky money struggles and rewrite your story.

Transform Your Relationship with Money

This journey is about more than just money; it's about unlocking a life of fulfillment, joy, and the financial freedom that follows. Your financial struggles can end here. Unlike most financial planners, I focus on the energetic connection you have with your money, showing you that money is simply energy—a limitless resource you can and deserve to tap into.

With short, sweet daily check-ins, this challenge guides you step-by-step with practical techniques and powerful insights to break free from struggles and rewire your reality. This isn't your typical money makeover; it's a holistic approach to abundance. You'll experience a profound shift in your relationship with money, release financial blocks, and discover the power of aligning your heart's desires with your financial goals.

Here's What You'll Experience During the Challenge:

Reprogram Your Money Mindset: Say goodbye to limiting beliefs and welcome a fresh perspective on wealth and abundance.
Empower Yourself through Action: Daily challenges equip you with the tools to take tangible steps toward financial liberation, with a short video guiding you every day.
Give and Receive Community Support: Join a thriving community of like-minded individuals for support, encouragement, and shared experiences.

Embrace a Life of Abundance

Say YES to a life of abundance, where financial worries no longer hold you back. It's time to step into a realm of new possibilities where your heart’s desires align with your bank account.

Are you ready to transform your relationship with money? Take the leap and join the 21-day challenge now to unlock financial freedom and embrace a life of limitless wealth.

Wake Up and Start Living Your Best Life

Realize how wealthy you are! Life is an opportunity to grow, learn, and experience joy. As a spiritual being having a human experience, you've been given everything you need, including the ability to tap into your subconscious wisdom—your intuition. There is no such thing as luck; the universe conspires in your favor to watch you succeed!

True wealth includes all things: money, relationships, health, and more. If you want to find your true wealth and tap into it, join us for the 21-day challenge. Overcome limiting beliefs and mental blocks holding back your inner power. We're excited to see your breakthroughs and help you live your fullest potential, starting with the abundance waiting inside you.

I'm so excited for you to experience the transformations that are waiting for you. If you’re ready to take the leap and join us for the 21-Day Wake Up to Your Wealth Challenge , click here to sign up.

Remember, this isn't just about money—it's about embracing the abundance that life has to offer. Let’s do this together!

Clear Your Mind and Heart with a Release Letter Ritual

julie@juliemurphy.com (Julie Murphy) — Tue, 16 Jul 2024 10:00:00 GMT

During my recent call with my coaching students, we were talking about releasing things that don't serve us and how to approach it from the heart. When this question comes up, I always share my go-to practice of writing a "release letter." Today, I want you to try it as well. It's a simple yet profound technique that I turn to whenever I need to let go and make space for new, positive energy.

What is a Release Letter?

A release letter is a form of expressive writing where you pour out everything on your mind that’s weighing you down. Whether it’s past experiences, negative thoughts, unhelpful habits, or any other burdensome feelings, writing them down can help you process and let go .

How to Write a Release Letter

Find a Quiet Space: Start by finding a quiet, comfortable space where you can be alone with your thoughts. This practice requires introspection, so choose a place where you feel safe and undisturbed.
Set Your Intention: Before you start writing, take a moment to set your intention. Think about what you want to release and why. This could be anything from letting go of a past hurt to freeing yourself from self-doubt.
Write Freely: Begin writing everything that comes to mind about what you want to release. Don’t hold back. Let your thoughts flow without judgment. You might write about specific events, emotions, or people that have been causing you distress. The key is to be honest with yourself.
Be Thorough : Write until you feel you’ve covered everything. This might take a few minutes or longer, depending on how much you have to release. Remember, there’s no right or wrong way to do this.

The Release Ritual

Once you’ve written your letter, it’s time to let go. This is where the ritual part comes in.

Read Aloud: Find a quiet spot and read your letter aloud. Hearing your own words can be incredibly powerful and can help reinforce your intention to release these burdens.
Perform a Burning Ritual: After reading your letter, perform a safe burning ritual. This could be done using a fireplace, a fire pit, or even a metal bowl. Light the letter on fire and watch as the smoke carries your thoughts and burdens away. As you do this, visualize yourself letting go and feeling lighter.

The Benefits of a Release Letter

The release letter practice offers numerous benefits:

Emotional Relief: Writing down and burning your burdens can provide a profound sense of emotional release.
Clarity and Focus: By letting go of what no longer serves you, you make space for clarity and focus on what truly matters.
Empowerment: Taking control of your emotional state and actively working to release negativity can be incredibly empowering.
Healing: This practice promotes emotional healing by helping you process and move past difficult experiences.

Why I Love This Practice

I turn to the release letter practice whenever I need to let go of something that’s holding me back . It’s a powerful way to clear my mind and heart, making room for new, positive experiences. Every time I perform this ritual, I feel a renewed sense of freedom and lightness, ready to embrace the next chapter of my journey.

Try It for Yourself

If you’re feeling weighed down by thoughts or emotions that no longer serve you, give the release letter practice a try. Find a quiet space, set your intention, and let your thoughts flow. You might be surprised at how much lighter you feel afterward.

Letting go is a powerful act of self-care. Embrace it, and watch as your life transforms. I hope this practice brings you as much peace and clarity as it has brought me.

Let's Make This Journey a Party! Join My Free IMPACT Workshop!

The road to financial freedom is so much more fun with a supportive people by your side! That's why I'm hosting free IMPACT workshops ( register here now! ), designed to help you transform your relationship with money and design the life you deserve. The next one is happening on September 5th, 2024 – don't miss it!

Mastering Your Money While Leading With Your Heart

julie@juliemurphy.com (Julie Murphy) — Tue, 02 Jul 2024 10:00:00 GMT

Having spent three decades as a CERTIFIED FINANCIAL PLANNER ™ coach and advisor, I've learned that true financial transformation often begins when we blend financial strategies with heartfelt intentions. It's not just about numbers; it's about aligning our money with our deepest values and aspirations.

If you've followed my journey through videos or books , you know I practice what I preach. Understanding the emotional side of money isn't just professional for me—it's personal. I've walked the path from student debt to financial independence, and along the way, I've developed principles that I'm excited to share with you today.

Let's rewind a bit. Growing up in a bustling household with 11 siblings, money wasn't abundant. Like many, I financed my own college education, accruing student loans and credit card debt (thanks in part to some memorable Spring Breaks!). From an early age, I was intrigued by personal finance—it became a natural part of my identity. After college, instead of opting for a stable $40,000 salary, I dove into entrepreneurship, starting my financial planning practice. It was a bold move that required me to craft my financial journey from scratch, without a safety net.

These early experiences shaped my understanding of money, leading me to develop principles that blend financial strategy with heartfelt intentions.

I've picked up some valuable money habits that I like to pass on to my clients and students - stuff that's really made a difference for me, and for them!

Transform Your Financial Mindset

Financial well-being goes beyond numbers. It's about the energy and emotions we associate with money. Viewing taxes, job situations, or financial challenges through a lens of frustration limits our potential. Instead, I encourage reframing : What positive outcomes can taxes facilitate? How does your job contribute to your growth and future financial freedom?

By aligning our financial decisions with our values and aspirations, we create a positive energetic resonance that attracts abundance. This shift isn't just about changing how we manage money—it's about transforming our relationship with it.

Discover Your Path to Financial Freedom

What does financial freedom mean to you? For many, it's not just about wealth accumulation but about the freedom to live authentically—to pursue meaningful work, nurture relationships, and prioritize health and well-being. Achieving financial independence isn't an endpoint but a journey that integrates financial stability with personal fulfillment.

Create Space for Abundance

Our physical and emotional environments reflect our financial state. Clearing physical clutter and simplifying our schedules create space for abundance to flow. This process isn't just about decluttering—it's about releasing old patterns and emotions that limit our financial potential.

Accept Your Financial Reality

Acknowledging our current financial situation without judgment is crucial for growth. Regular financial assessments help us stay aware of our financial inflows, outflows, and goals, enabling us to make informed decisions that align with our aspirations.

Embracing financial flexibility empowers us to move from merely earning a paycheck to living with purpose, fostering a sense of abundance and possibility.

Here are few of my favorite practical steps to lead with your heart:

Identify Your Financial Blocks:

Reflect on your financial journey, noting upbringing and key events. Identify at least three limiting beliefs about money that resonate with you, and recognize emotional triggers and recurring behavioral patterns related to finances. Challenge each belief by assessing its basis and impact. Replace limiting beliefs with empowering affirmations, setting intentions for change. Commit to taking actionable steps to transform your relationship with money, whether through education, professional guidance, or mindset shifts, to cultivate financial empowerment and abundance.

Connect with Your Passions:

Reflect on interests that bring you joy , childhood dreams that resonate, and peak experiences of fulfillment. Consider how your core values align with these passions. Create a passion map highlighting connections and themes. Set specific goals to deepen your engagement with your passions, whether through hobbies, volunteering, or further education. Taking these steps will help you align your daily activities with what truly inspires and fulfills you, fostering a more meaningful and passionate life journey.

Practice Gratitude:

Cultivate an attitude of gratitude . Focus on the abundance you already have in your life. This positive mindset will attract more of the same into your financial journey.

Seek Support:

Don't do it alone. Working with a coach or joining a supportive community can provide the encouragement and accountability you need to stay on track. If you are ready to delve deeper into heart-centered money management? Join me in our upcoming free IMPACT workshop where we'll dive into heart-centered money management strategies. Together, we'll uncover practical ways to align your finances with your deepest values and aspirations. This workshop isn't just about budgeting—it's about empowering yourself to live a life of financial abundance and purpose. Reserve your spot today and take the first step towards mastering your money with heart.

Take Inspired Action:

Taking inspired action means aligning your thoughts, emotions, and intentions with purposeful steps towards your goals, such as connecting with your passions, practicing gratitude, and identifying financial blocks. Reflecting on your passions and setting goals based on them empowers you to move forward with clarity and inner guidance. Daily gratitude practice fosters positivity and appreciation, influencing decisive actions aligned with your values. Addressing financial blocks clears obstacles, enabling inspired actions towards financial empowerment. These practices propel you towards success while nurturing fulfillment and purpose in your journey.

Everyone's financial journey is different. Tailor these principles to fit your own values and aspirations for the best results.

Financial transformation is more than just managing money—it's about aligning your finances with your heart's desires. By shifting your perspective, defining what financial freedom means to you, and taking inspired action, you can create a life of abundance and fulfillment. Start today, and remember, you’re not alone on this journey. Together, we can achieve financial empowerment and live with purpose.

Level Up Your Cash Flow: Tips & Tools to Boss Your Budget

julie@juliemurphy.com (Julie Murphy) — Tue, 04 Jun 2024 10:00:01 GMT

In our journey towards financial freedom, one of the most pivotal steps is understanding and managing our cash flow effectively. Yet, for many, the mere thought of budgeting can invoke feelings of restriction and overwhelm. If you've ever found yourself questioning how to navigate your finances without feeling constrained, you're not alone. Anyone who follows me knows that I don't use the word 'budget'; it is the first thing I remove from my clients' vocabulary and replace it with 'cash flow'. Today, I want to introduce you to a fresh approach to managing your cash flow—one that feels empowering, expansive, and yes, even fun!

But before we delve into the practical tips, let's address something crucial: acceptance of your current financial reality. It's okay to acknowledge where you are right now, without judgment or shame. In fact, acceptance is the first step towards meaningful change. So, take a moment to breathe and reflect on your financial situation. Are there debts weighing you down? List them out, from mortgages to credit card balances. Embrace this awareness with compassion, knowing that it's a necessary part of your journey towards financial empowerment.

Now, let's shift our perspective from traditional budgeting to a more fluid approach: cash flow management. Rather than viewing it as a rigid system of limitations, think of it as directing the flow of your money in alignment with your goals and values. To help you with this process, I've created a free Debt and Cash Flow Worksheets , designed to guide you through a comprehensive assessment of your finances.

Firstly, let's focus on your current income. Write down the exact amount that gets deposited into your account each month. Next, map out your expenses, distinguishing between fixed (e.g., rent, utilities) and variable (e.g., groceries, entertainment). This level of awareness empowers you to make conscious choices about where your money goes.

Now, let's address any debts. List them out, no matter how daunting they may seem. Remember, acknowledging them is the first step towards overcoming them. With each debt listed, breathe into any resistance or discomfort you may feel. Acceptance paves the way for transformation.

As you work through the worksheet, you'll gain clarity on your financial situation and identify areas where you can make adjustments. Perhaps you'll uncover subscriptions you no longer use or find opportunities to reduce your weekly expenses. Every small change contributes to your financial well-being.

But it's not just about managing your finances—it's also about nurturing your relationships. Take a moment to reflect on the dynamics of your relationships. Are there patterns or behaviors that no longer serve you? By recognizing these patterns, you can begin to shift them, paving the way for healthier connections.

Remember, this journey is about progress, not perfection. Embrace each step with compassion and curiosity. And if you ever feel overwhelmed, know that support is available. Together, we can unlock the path to financial freedom and fulfillment.

Ready to take the first step? Download your free Debt and Cash Flow Worksheet .

Break Free from Money Blocks and Rewrite Your Financial Story

julie@juliemurphy.com (Julie Murphy) — Tue, 07 May 2024 10:30:00 GMT

Hey beautiful souls! Let's talk about money blocks – those pesky little roadblocks that keep us stuck in the "lack" lane when it comes to financial abundance. We all have them, like that voice in our head saying that dream vacation is "out of reach" or that fancy coffee every morning is a "frivolous expense." Just like my amazing client who went from feeling stuck in a corporate job to following her passion and making more money than ever before (you go, girl!), you have your own personal super power to break free from these money blocks and step into a world of financial freedom and joy.

Where Attention Goes, Energy Flows, Baby!

The key is to focus on what you want to attract. Why? Because you are the creator of your life, so what do you want to create, and make that your focus. If you're constantly stressed about bills and feeling like there's never enough, that's what you'll tend to get more of. But by shifting your focus to abundance and financial flow, you can totally transform your mindset from restricted to empowered!

This isn't about fantasy; it's about making deliberate changes. Instead of scrolling through social media and comparing yourself to others, take 5 minutes to write down 3 things you're grateful for financially, or in other areas of your life. Maybe it's your morning coffee, a safe place to live, or being able to afford healthcare. Focusing on the positive aspects of your financial situation, no matter how small, can be a powerful way to shift your energy.

Let's Heal Your Money Relationship and Make Money Your BFF!

Overcoming money blocks is all about uncovering those emotional and psychological barriers that sneakily influence our financial decisions. These can be deep-seated beliefs or past experiences tied to money, maybe from childhood (like that time you felt guilty spending your allowance on candy or a silly toy) or just messages we've picked up along the way (like the idea that you have to work long hours in a job you hate to make money). By bringing these subconscious scripts to light and acknowledging their emotional weight, we can start rewriting our financial stories.

Think of it like changing the polarity on a magnet. What once repelled financial abundance can now attract it! As we heal, we're not just shifting our inner world, we're changing our outer world too. Our financial choices are no longer driven by hidden fears, but by clarity, intention, and empowerment. This alignment is what sets the stage for a life where financial abundance flows freely, based on our desires, not our anxieties. Maybe you can finally take that trip to Bali you've been dreaming of, or pay off those student loans that have been weighing you down.

From Blocked to Magnetic: It's Time to Attract Financial Abundance!

The transformation from being blocked by money baggage to becoming a magnet for abundance is incredible! It's all about cultivating a mindset of abundance, where opportunities for prosperity are everywhere, just waiting to be snatched up. This shift in thinking fundamentally changes our financial future, positioning us to attract wealth and opportunities that align with our deepest desires. Remember that client who used to dread going to work every day? She wasn't following the traditional career path. By following her passions and focusing on abundance, she found a fulfilling career that lights her up and allows her to make a great living!

By doing things that help us become more self-aware and financially savvy, like affirmations ("I am a magnet for abundance!"), visualization (seeing yourself living a life of financial freedom), and mindset tweaks (replacing "I can't afford that" with "How can I make this work?"), we pave the way for a fulfilling and prosperous future. It takes some patience, introspection, and consistent effort, but the rewards – a life of financial freedom and abundance – are totally worth it! Maybe you can finally ditch that latte habit that's draining your budget and find a more budget-friendly way to get your morning caffeine fix, while still treating yourself occasionally

Let's Make This Journey a Party! Join My Free IMPACT Workshop!

The road to financial freedom is so much more fun with a supportive people by your side! That's why I'm hosting free IMPACT workshops ( register here now! ), designed to help you transform your relationship with money and design the life you deserve. The next one is happening on May 16th, 2024 – don't miss it!

Healing our money blocks is about looking at and changing those deep-rooted beliefs and habits. This helps turn the things that were once holding us back into the stepping stones that lead us to financial freedom. As we explore our emotional connections with money and release past traumas, we open doors to a future overflowing with opportunity and prosperity.

Financial magnetism isn't about just wishing on a star, it's about the power of a positive, empowered mindset that naturally attracts wealth. We're not just passive passengers on this financial journey, we are the creators! The road might have its bumps, but the destination – a life of financial freedom and abundance – is totally within reach. And hey, who says getting there can't be fun? Adding the word "party" to anything always makes it more fun and engaging, so let's make this financial transformation journey a celebration together!

Invest in Yourself to Unleash Your Inner Gold

julie@juliemurphy.com (Julie Murphy) — Tue, 02 Apr 2024 10:00:00 GMT

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Everywhere I look, people are chasing financial success like it's the only treasure worth having. But I'm here to tell you, forget the gold bars and silver linings – you are the true gold you need to invest in.

This might sound radical, but hear me out. This isn't just a catchy tagline; it's the core message of my work and a mantra I live by. We often hold limiting beliefs – whispers that tell us we need specific qualifications or societal approval to be valuable. These beliefs, often inherited from family or engrained in social norms, can hold us back from discovering our true potential.

But what if we shattered those limitations? What if we focused on the unique gifts and talents that make each of us shine? That's the essence of my message. It's not just about personal fulfillment; it's about recognizing the impact your passions can have on the world.

The truth is, the world needs your unique spark. It needs your boldness, your talents, and the gifts you were born to share. Whether you're an artist, a teacher, a writer, or an entrepreneur, your special offering is crucial. Remember the golden egg? That's you – waiting to crack open and unleash your brilliance.

My books – The Emotion Behind Money , Awaken Your Wealth , and The Four Spiritual Laws of Money – all emphasize the importance of inner work in achieving financial success and overall well-being.

True wealth goes beyond numbers. It's about inner peace, joy, and living a life aligned with your authentic self.

Here's what I learned on my journey:

You are the golden egg. Crack yourself open and discover your potential. Don't be afraid to explore your talents and passions, even if they seem unconventional. The world needs your unique voice.
Focus on your strengths, not your weaknesses. It's tempting to dwell on perceived shortcomings, but as Deepak Chopra reminds us, amplifying our unique strengths is what truly empowers us.
Don't let limiting beliefs about money hold you back. True fulfillment doesn't come from following a pre-defined path. You can find financial security and purpose even if it doesn't fit the traditional mold.
Share your gifts with the world. The world needs your unique contribution, regardless of whether it comes through a high-paying job or a volunteer project. Share your talents and passions, and watch how it ripples outwards.

It's time to take action:

Grab a pen and paper. What is your unique gift to the world? What impact do you want to make? Write it down!
Share your gold! Comment below and tell others about your talents and how you can help them.
Claim your worth. Don't be afraid to ask for what you deserve in all aspects of your life. Remember, your value is inherent, not dependent on external validation.

Happiness doesn't come from chasing external things. It comes from recognizing your inner gold and sharing it with the world. So, invest in yourself, claim your unique power, and watch your life transform. You are the treasure, and the world is waiting for you to shine!

Finding Personal Fulfillment & Happiness Beyond Money

julie@juliemurphy.com (Julie Murphy) — Tue, 05 Mar 2024 19:13:53 GMT

In today's fast-paced and money-driven world, many individuals find themselves successful in their careers but can feel like they are missing out on their personal lives. We put aside our dreams of having a family, a relationship, or our hobbies for our career. Unfortunately, this happens to many people, and before we know it, the only friends we have are the people we work with.

But what if we could have it all? What if we could have a thriving career and a fulfilling personal life? It may seem impossible, but with the right mindset and approach, it is achievable. Today I wanted to share with you 9 ways that you can bring personal fulfillment and happiness into your life along with loving relationships, the things we crave beyond money.

When money isn’t an issue and our career is established, or perhaps we receive an inheritance or a big pay-out, we start seeking something more. We start looking for experiences that money can't buy, experiences that bring true happiness and fulfillment. This is where the concept of real wealth and impact comes into play. It's about knowing who we are and what truly matters in life.

If you are searching for satisfaction beyond monetary wealth or seeking a greater sense of purpose in life, I invite you to read this article and join my free IMPACT workshops . These workshops, held every couple of months, are designed to provide you with insights and tools to help you heal the impact money, career, and relationships have on your happiness and success. Mark your calendars the next workshop will be held on Thursday, March 21st at 12 pm CST.

9 Ways That You Can Bring Personal Fulfillment And Happiness Into Your Life

1. Creating a Vision for an Ideal Life:

Envisioning our ideal life involves more than just financial success. It's about considering our relationships, hobbies, health, travel, and contribution to society. By understanding what is truly important to us, we can re-direct our life journey toward what is most meaningful and fulfilling.

2. Finding Balance in Life:

Balancing career success, personal relationships, and overall well-being can be challenging. It requires setting boundaries and priorities to invest time and energy into personal growth, self-care, and meaningful connections. Real wealth is about finding balance and having it all rather than sacrificing one aspect for another.

3. Defining True Success:

Success is often equated with financial wealth, but there is more to life than money. Redefining success means exploring what brings true joy, purpose, and fulfillment. By aligning our goals with our authentic desires, we can experience a sense of accomplishment and fulfillment that goes beyond material measures.

4. Cultivating Healthy Relationships:

Building and maintaining healthy relationships is crucial for personal and professional fulfillment. Sometimes, we may feel awkward or uncertain about developing meaningful connections. However, by learning the tools and techniques to establish and nurture strong relationships, we can enhance our overall satisfaction and emotional well-being.

5. Self-reflection and Self-awareness:

Self-reflection is a powerful tool for personal growth and fulfillment. Through self-reflection exercises, we can uncover what is truly holding us back. It is only by gaining self-awareness of our beliefs, desires, patterns, coping mechanisms, and approaches to relationships that we can discover our true selves and what we genuinely want in life.

6. Discovering Passions and Purpose:

Immersing ourselves solely in our careers and financial pursuits may leave little room for our passions and life purpose. To discover our passions and purpose, we must explore activities that ignite our creativity, joy, and sense of fulfillment outside of work. By aligning with our passions, we can uncover our purpose and bring greater meaning to our lives.

7. Building Meaningful Connections:

Surrounding ourselves with like-minded individuals and fostering meaningful connections is crucial for personal fulfillment. When we connect with peers who share similar interests and aspirations, we experience quantum leaps in personal growth. Building a supportive network of people who feel like family can provide a sense of belonging and create priceless moments that impact us for life.

8. Prioritizing Well-being:

The pursuit of financial success often comes at the cost of our physical and mental well-being. Prioritizing well-being is the foundation for overall life satisfaction. By incorporating exercise, mindfulness, meditation, affirmations, and self-care routines into our lives, we can achieve a more balanced and fulfilling existence.

9. Mindful Wealth Creation & Management:

Mindfulness can be applied not only to meditation but also to wealth creation. By aligning our financial goals with our values and principles, we can create a conscious and purposeful approach to wealth. This approach can have a positive impact on our lives and the world.

Make Personal Fulfillment Fun & Easy:

Discovering personal fulfillment beyond financial success is possible. It starts with investing our money and time into the things that bring us closer to who we are, help us discover what truly matters, and pave the way for lasting happiness. If our relationship with money is healthy, and we know the right things to do with our money, it can help us feel fulfilled. By creating real wealth in every area of our lives, we can live a life we love.

If you are searching for satisfaction beyond money, a greater sense of purpose in life, and deeper and more meaningful relationships, I invite you to register and join my free IMPACT workshop . In addition, if you want direct support and immediate impact in your life, consider joining my IMPACT online journey. This journey covers these topics with exercises, worksheets, and short videos to help you create real wealth in every area of your life. With the guidance of a certified financial planner and life coach, you can gain new insights and practical strategies that can help change everything.

Embrace the Mystery: Stepping into the Unknown for Quantum Leaps

julie@juliemurphy.com (Julie Murphy) — Tue, 06 Feb 2024 14:00:00 GMT

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Imagine a life where you knew everything in advance. The weather forecast for your entire lifetime, the path your career would take, even the names of your children before they were born. Sounds like a dream, right? But what if I told you that this predictability might be holding you back from the magic, the leaps, the quantum jumps that life has to offer?

That's right, I'm talking about embracing the mystery. It's counterintuitive, I know. We crave control, plans, and a sense of security. But what if our obsession with knowing it all is actually blocking the very things we desire?

Think about it. When's the last time a truly amazing experience unfolded exactly as you planned? Probably not often. The best moments, the unexpected connections, the sudden breakthroughs – they often arrive wrapped in the cloak of the unknown.

So, why are we so afraid of the mystery? It often boils down to one thing: fear. Fear of the unknown, fear of failure, fear of stepping outside our comfort zone. But here's the secret: the mystery isn't meant to be scary. It's an invitation to adventure, to growth, and to a life filled with possibilities beyond our wildest imaginations.

Detach from the "How" and Embrace the "Why"

Let's say you're considering a career change. Your heart knows it's the right path, yet your mind gets stuck on the "how." How will you make it work financially? How will you navigate the unknown? These questions are valid, but they can also become roadblocks.

Instead, shift your focus from the "how" to the "why." Why are you drawn to this new path? What excites you about it? When you connect with the deeper purpose, the "how" often takes care of itself.

Remember, the universe is conspiring in your favor. Synchronicity, serendipity, and unexpected opportunities are all waiting to be discovered when you step into the mystery.

Surrender to the Flow: Trusting the Journey

Think of life as a river. Sometimes it flows smoothly, other times it churns with rapids and unexpected turns. But just like the river, life always finds its way. Trust that the current will carry you, even when you can't see the destination.

Surrendering to the flow doesn't mean becoming passive. It means taking action based on your intuition, your heart's knowing, even if the path ahead seems unclear. It's about trusting that the universe will guide you, even when you can't control the outcome.

Letting Go of Control: The Power of Non-Attachment

Control is an illusion. We can plan and strategize, but ultimately, life has its own agenda. Clinging too tightly to control only creates resistance and blocks the flow of abundance.

Detaching from control doesn't mean abandoning responsibility. It means releasing the need to dictate every detail and embracing the unfolding journey. It means trusting that even when things don't go as planned, there's a bigger picture at play.

Stepping into the Unknown: The Courage to Leap

Taking that first step into the unknown can be daunting. But remember, courage isn't the absence of fear; it's acting in spite of it. When you feel the fear, acknowledge it, and then choose to move forward anyway.

Remember, the unknown isn't a void. It's a canvas waiting to be painted with your dreams, your desires, and your unique potential. So, take a deep breath, step into the mystery, and trust that the journey will be even more incredible than you could ever imagine.

The Rewards of Embracing the Mystery:

Quantum Leaps: When you let go of control, you open yourself to possibilities beyond your limited thinking. The universe can work its magic in unexpected ways, leading you to breakthroughs and leaps you never thought possible.
Increased Abundance: When you surrender to the flow and trust the process, abundance starts to flow more freely into your life. This doesn't just apply to finances; it encompasses all aspects of your life, from love and relationships to health and happiness.
Deeper Connection: Embracing the mystery requires letting go of ego and trusting something bigger than yourself. This leads to a deeper connection to your intuition, your inner wisdom, and the universe as a whole.
A More Fulfilling Life: When you stop fearing the unknown and start embracing it, you open yourself up to a life filled with adventure, growth, and experiences that will leave you forever changed.

So, are you ready to step into the mystery? Remember, the universe is waiting to unfold its magic in your life. Trust your heart, take that leap of faith, and embrace the incredible journey that awaits. Just remember, the greatest adventures often begin with a single step into the unknown.

Taking Care of the Physical and Leaning into the Downloads

julie@juliemurphy.com (Julie Murphy) — Tue, 02 Jan 2024 11:00:00 GMT

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As we peel the layers of the onion and step into what we want to create, we will inevitably encounter resistance. This resistance can show up in our physical bodies as pain, discomfort, or illness. It is important to acknowledge these physical symptoms as signs that we need to release unfelt emotions.

The physical body is the last place that these emotions are stored, so when they start to surface, it is a sign that we are making progress on our journey. We can help to release these emotions by paying attention to our body's intelligence, listening to its cues, and breathing into the places of pain or discomfort.

In addition to physical symptoms, we may also experience emotional and mental resistance as we step into our soul's path. This resistance can manifest as fear, doubt, or anxiety. It is important to remember that these feelings are simply a sign that we are growing and evolving.

The best way to deal with resistance is to lean into it. This means facing our fears head-on and trusting that we are capable of handling whatever comes our way. When we lean into resistance, we are opening ourselves up to the possibility of change.

As we lean into the downloads, we may receive guidance from our intuition or from spirit. This guidance may come in the form of thoughts, feelings, or images. It is important to pay attention to these downloads and to follow them as best we can.

The downloads may not always make sense to us at first, but if we trust the process, they will eventually lead us to our destination.

Nurture your physical and spiritual well-being to create a receptive space for the downloads to flow abundantly. Prioritize restful sleep, nourish your body with wholesome foods, and engage in regular exercise to maintain vitality and clarity. Immerse yourself in nature's rejuvenating energy, embrace meditative practices for inner peace, and foster connections with your spiritual community for unwavering support. Cultivate activities that spark joy and ignite your passions, allowing your spirit to soar and align with the higher frequencies of your downloads.

When we take care of ourselves physically, emotionally, and spiritually, we create the space for the downloads to flow through us. We are then able to step into our soul's path with confidence and ease.

How to Align Your Manifestations with Your Reality

julie@juliemurphy.com (Julie Murphy) — Tue, 05 Dec 2023 11:00:00 GMT

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In my previous blog posts, I touched upon the importance of aligning your manifestations with your reality. This is essential for manifesting your desires, as it ensures that you are sending out the right energy and attracting the right things into your life.

Here are some tips on how to align your manifestations with your reality:

Write down your heart's desires. What do you really want in life? What makes you feel alive and excited? Once you know what you want, write it down in as much detail as possible. This will help you to clarify your desires and make them more real.
Identify the feelings associated with your desires. What emotions do you feel when you think about your desires? Are you feeling joy, abundance, peace, love, or something else? Pay attention to the feelings that come up for you, as they are a powerful indicator of what you truly desire.
Make a list of what you would love from the job you want to manifest. What are the qualities that are most important to you? Do you want a job that is challenging, creative, or fulfilling? Do you want to work with a great team, or have a lot of autonomy? Once you know what you want, make a list of it.
Align with your heart and soul. What makes you giggle? What lights you up inside? When you are doing something that aligns with your heart and soul, you will feel a sense of joy and excitement. Make sure that your manifestations are aligned with your highest values and desires.
Detach and simply ask to be put in alignment. Once you have written down your desires and identified the feelings associated with them, it is time to detach and let go. This means releasing any attachment to the outcome and trusting that the universe will deliver your desires to you in the perfect time and way.

It is important to remember that manifestation is a process. It takes time, patience, and consistency to manifest your desires. However, if you are willing to do the work, you can create the reality that you desire.

Here are some additional tips to help you align your manifestations with your reality:

Visualize your desires as if they have already happened. Close your eyes and imagine yourself living your dream life. See yourself in your ideal job, surrounded by the people you love, doing the things you love. The more vivid and detailed your visualization, the more powerful it will be.

Take action towards your goals. Don't just sit around and wait for your manifestations to happen. Take steps every day to move closer to your dreams. This could involve taking classes, networking, or applying for jobs.

Believe in yourself and your ability to manifest your desires. If you don't believe that it is possible to manifest your desires, then it is unlikely that you will be successful. So, have faith in yourself and your power to create the life you want.

I hope these tips help you to align your manifestations with your reality. Remember, manifestation is a journey, not a destination. So, enjoy the process and trust that you are on the right track.

Remember How Powerful You Are

As you continue to align your manifestations with your reality, you will begin to remember how powerful you are. You will realize that you have the ability to create the life you desire. You will also realize that you are not alone in this journey. There are many people who are willing to help you along the way.

So, don't be afraid to ask for help. And don't be afraid to believe in yourself. You are capable of anything you set your mind to.

Put the Energy into What You Want to Create!

Finally, remember to put the energy into what you want to create. This means focusing your thoughts, feelings, and actions on your desires. When you do this, you are sending out a powerful signal to the universe that you are ready to receive your manifestations.

So, what are you waiting for? Start aligning your manifestations with your reality tod ay!

Are you Struggling to Manifest?

If you are finding it a challenge to bring what you desire to manifest into reality, I encourage you to do the following:

Go towards what makes you giggle! As adults, we often let our heads get in the way of our desires. We start to overthink things and worry about all the reasons why our desires might not come true. But when we focus on what makes us happy and excited, we open ourselves up to the possibility of manifestation.

Find pictures of what you want to attract, do, or have and keep them in places where you'll regularly see them. The more you see these images, the more you will start to believe that they are possible.

Do whatever helps you raise your vibration. This could include listening to uplifting music, spending time in nature, or doing activities that make you feel good. When your vibration is high, you are more likely to attract the things you desire.

I know that manifesting can be a challenge, but it is definitely possible. If you are willing to put in the work, you can create the life of your dreams.

I'd like you to really lean into this over the next week. Do whatever helps you raise your vibe!

Overcoming Financial Fear and Manifesting a Better Life

julie@juliemurphy.com (Julie Murphy) — Tue, 28 Nov 2023 11:00:00 GMT

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In today's world, it's easy to get caught up in the whirlwind of news and media, especially when it comes to financial matters. The fear of economic downturns, job losses, and market fluctuations can be overwhelming, leading to anxiety and uncertainty. However, it's crucial to remember that these fears, if left unchecked, can hinder our ability to manifest the lives we truly desire.

When we focus on our fears, we lower our vibration, making it harder to attract the positive outcomes we seek. Instead, we need to consciously choose to step into our personal power and align with our authentic selves.

This doesn't mean ignoring the realities of the world; it's about observing the situation without letting fear control us. If you feel called to make a difference in the economic landscape, step into that role with courage and conviction. However, if your purpose lies elsewhere, focus on being the best version of yourself in your current sphere of influence.

Remember, every individual plays a vital role in shaping the collective consciousness. By raising our vibrations through positive emotions, we collectively contribute to a more harmonious and prosperous world. Instead of succumbing to fear, let's choose joy, gratitude, and collaboration as our guiding principles.

So, what can we do to overcome financial fear and manifest a better life?

1. Observe, Don't React

The first step is to become aware of our own fear-based thoughts and reactions. When we hear about something negative happening in the world, we need to take a moment to pause and observe our thoughts and feelings. Are we feeling scared, anxious, or overwhelmed?

If we're experiencing any of these emotions, it's important to remember that they're just that – emotions. They're not reality. They're just our interpretation of what's happening.

2. Focus on What You Can Control

Once we've become aware of our fear-based thoughts and reactions, we need to focus on what we can control. We can't control the economy or the stock market, but we can control our own thoughts and actions.

This means taking steps to improve our financial situation, such as creating a budget, saving money, and investing. It also means taking care of our physical and mental health, which can help us to better cope with stress.

3. Align with Your Authentic Self

One of the most important things we can do to overcome financial fear is to align with our authentic selves. This means living our lives in accordance with our values and purpose.

When we're living in alignment with our authentic selves, we feel more empowered and in control of our lives. This can help us to overcome fear and manifest a better life.

4. Choose Joy Over Fear

Every day, we have a choice. We can choose to focus on the negative and allow fear to control us, or we can choose to focus on the positive and allow joy to guide us.

When we choose joy, we're raising our vibration and creating more positive energy in our lives. This can help us to attract more positive experiences, including financial abundance.

5. Step into Your Personal Perfection

Each of us is born with unique gifts and talents. It's our responsibility to develop these gifts and talents to the best of our ability. When we do this, we're stepping into our personal perfection.

When we're living in our personal perfection, we're making a positive impact on the world. This can help us to overcome financial fear and create a better life for ourselves and others.

Together, we can overcome fear and manifest a brighter future for ourselves and generations to come. Let's step into our personal power and radiate positivity, creating a ripple effect of transformation that extends far beyond our individual lives.

If you’re feeling called to go deeper with this work, I invite you to join me in my coaching community . This is where we take these ideas beyond inspiration and turn them into real transformation. Together we explore the emotional roots of money, shift the fears that keep you stuck, and align your financial life with who you truly are. If you’re ready to move from reacting to your circumstances to consciously creating your financial reality, come coach with me . I’d love to support you on that journey.

Reframing Your Financial Past

Tue, 21 Nov 2023 11:00:00 GMT

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Financial regrets can cast a long shadow over our lives, tainting our present and dimming our hopes for the future. They can stem from past decisions, missed opportunities, or the weight of accumulated debt. These regrets can become a constant reminder of what we perceive as financial missteps, holding us back from creating the life we truly desire.

However, I want to offer you a refreshing perspective on transforming these regrets into catalysts for positive change. Today I want to share my own experiences with financial setbacks and provide valuable guidance on how to navigate the path towards financial freedom.

Embracing Reality: The Foundation for Transformation

The first step towards transforming financial regrets is to accept the reality we have created. This doesn't mean wallowing in guilt or self-pity; it means acknowledging our past actions and their consequences. It's about recognizing that we are where we are today, in part, due to the financial decisions we have made.

Acceptance doesn't imply resignation to our current situation. Instead, it's the foundation upon which we can build a better future. By accepting reality, we shed the illusion of control and open ourselves up to the possibilities that lie ahead. We acknowledge that we have the power to shape our financial destiny, starting with understanding our current position.

Learning from Mistakes: The Stepping Stones to Growth

Mistakes are inevitable parts of life, and financial mistakes are no exception. We all make them, from overspending to investing in ill-advised ventures. The key is not to avoid mistakes altogether but to learn from them and use them as stepping stones to growth.

I encourage you to embrace your mistakes, viewing them as opportunities for education. Each misstep can teach us valuable lessons about our financial habits, risk tolerance, and decision-making processes. By embracing mistakes, we cultivate resilience and adaptability, essential qualities for navigating the ever-changing financial landscape.

Opening to Abundance: Aligning with Our True Potential

A crucial aspect of financial transformation is opening ourselves up to receive. This involves shifting our mindset from scarcity to abundance, believing that we can attract financial prosperity into our lives. It's about cultivating gratitude for what we already have and believing that there is enough to go around.

When we open ourselves to receive, we create a receptive energy field that attracts opportunities and abundance. We also become more open to learning and implementing new financial strategies that can help us achieve our goals. This shift in mindset is essential for breaking free from the shackles of past regrets and embracing the possibilities of a brighter financial future.

Creating Your Desired Future: Taking Action and Cultivating Gratitude

With acceptance, a willingness to learn from mistakes, and an open mind to receive, we can begin to create the financial future we desire. This involves taking action, setting clear goals, and making informed decisions about our finances.

It is important to live in the present moment, aligning our cash flows with our future aspirations. By managing our finances with a focus on the present, we gradually move away from the burdens of the past and towards the financial freedom we seek. This mindful approach to financial management allows us to make conscious choices that align with our long-term goals, freeing us from the reactive patterns of the past.

Throughout this process, gratitude plays a vital role. By cultivating an attitude of thankfulness for what we have, we attract more abundance into our lives. Gratitude shifts our focus from lack to abundance, from dissatisfaction to contentment, and from fear to hope. This shift in perspective is not just about feeling good; it's about creating a positive vibrational energy that attracts prosperity and aligns us with our true potential.

Financial Transformation: A Journey of Empowerment

Transforming financial regrets is not a quick fix or a one-size-fits-all solution. It's a journey of self-awareness, acceptance, learning, and action. It requires us to confront our past, learn from our mistakes, and open ourselves up to new possibilities.

By embracing these shifts, we can embark on a journey of financial transformation, leaving behind the regrets of the past and creating a future of abundance, freedom, and fulfillment. Remember, it's never too late to start creating the financial life you desire. Take that first step today, and embark on a journey toward financial empowerment and a life filled with prosperity and joy.

Mastering Your Wealth Mindset for a Life of Abundance

julie@juliemurphy.com (Julie Murphy) — Tue, 14 Nov 2023 11:00:00 GMT

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In the world of finance, there's a prevailing notion that wealth mastery is solely about numbers, spreadsheets, and market analysis. While these aspects play a crucial role, the true key to unlocking abundance lies in mastering your wealth mindset. In this blog post, I’ll explore the concept of mastering your wealth mindset, a process that goes beyond mere numbers and involves aligning your financial decisions with your values, emotions, and aspirations.

The Importance of a Holistic Approach

Traditional financial planning often focuses on the logical, left-brain aspects of managing money. However, this approach often overlooks the crucial role of our emotions and our heart in making financial decisions. To truly master your wealth mindset, it's essential to integrate both the logical and emotional aspects of your being.

Bridging the Gap between Head and Heart

When we make financial decisions solely based on logic and reason, we may overlook factors that are deeply important to us on an emotional level. For instance, we might prioritize saving for retirement at the expense of pursuing a passion project that brings us immense joy.

On the other hand, relying solely on emotions can lead to impulsive decisions that may not align with our long-term financial goals. For example, we might make unplanned purchases or invest in risky ventures without thoroughly considering the potential consequences.

The key to mastering your wealth mindset lies in bridging the gap between your head and your heart. This involves recognizing the importance of both logic and emotions in financial decision-making. By bringing these two aspects into balance, you can make informed choices that align with your overall well-being.

The Power of Coherence

Coherence, a state of harmonious alignment between the mind, body, and spirit, is a crucial element in mastering your wealth mindset. When you achieve coherence, you are able to make decisions that reflect your authentic self and align with your deepest values and aspirations.

To cultivate coherence, it's important to engage in practices that foster self-awareness, mindfulness, and emotional intelligence. These practices can help you identify your true financial goals, understand your emotional triggers, and make decisions that are in harmony with your overall well-being.

The Role of Giggles

When exploring the concept of coherence, I emphasize the importance of engaging in activities that bring you joy and make you giggle. These seemingly trivial experiences can serve as a compass, guiding you towards choices that resonate with your heart.

By incorporating moments of joy and levity into your life, you can tap into a sense of alignment and fulfillment that extends to your financial decisions. When you make choices that align with your passions and bring you genuine happiness, you are more likely to achieve long-term financial success.

The Heart's Magnetic Force

The human heart, often overlooked in financial discussions, possesses an immense power that can significantly impact our wealth mindset. The heart's magnetic field extends far beyond the body, encompassing an area of over eight miles. This vast reach suggests the profound influence our heart has on our thoughts, emotions, and ultimately, our financial decisions.

By incorporating the heart's energy into the wealth mindset equation, we can make decisions that not only align with our logical minds but also resonate with our deepest emotions and aspirations. This holistic approach to financial planning fosters a sense of harmony and fulfillment that extends beyond mere numbers and spreadsheets.

A Community of Support

In your journey to master your wealth mindset, it's invaluable to connect with a community of like-minded individuals who share your aspirations. Surrounding yourself with supportive and knowledgeable people can provide guidance, inspiration, and accountability.

Embrace the Journey

Mastering your wealth mindset is an ongoing journey of self-discovery, growth, and alignment. It's about understanding your unique relationship with money, integrating both logic and emotion, and making choices that reflect your true self.

By embracing this holistic approach, you can transform your financial journey into a path of fulfillment, harmony, and lasting prosperity. Remember, financial success is not just about numbers; it's about creating a life that aligns with your deepest values and brings you genuine joy.

Live Authentically, Pursue Your Passions, and Watch the Abundance Flow

julie@juliemurphy.com (Julie Murphy) — Tue, 07 Nov 2023 11:00:00 GMT

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In today's world, where financial security is a constant concern for many, it's easy to lose sight of the fact that money is simply a reflection of the value we create in the world. While financial goals are important, they shouldn't overshadow the pursuit of a fulfilling and meaningful life.

The key to unlocking abundance lies in upping the ante on life – embracing new adventures, pursuing our passions, and living authentically. When we align our actions with our values and beliefs, we open ourselves up to a world of possibilities, not just in terms of personal growth and fulfillment, but also in terms of financial success.

Money Follows Passion

The old adage, "follow your passion and the money will come," holds a lot of truth. When we pursue our passions and dedicate ourselves to activities that bring us joy and satisfaction, we become more engaged, motivated, and productive. This, in turn, increases our ability to attract opportunities and create value for others.

As we become experts in our chosen fields, we naturally attract a clientele or audience willing to pay for our services or products. Whether we're sharing our knowledge through teaching or consulting, creating unique products or services, or entertaining others with our talents, our passion and expertise become the foundation for financial success.

Breaking Free from Limiting Beliefs

Many people hold limiting beliefs about money that prevent them from achieving their financial goals. They may believe that they're not deserving of wealth, that they can't attract money, or that money is the root of all evil. These beliefs, often stemming from childhood experiences or societal norms, can sabotage our efforts to create financial abundance.

To break free from these limiting beliefs, we need to identify them, challenge their validity, and replace them with empowering beliefs. We must believe that we are worthy of abundance, that we have the ability to attract money, and that money can be used for good in the world.

Upping the Ante

To truly unlock abundance, we need to be willing to step outside our comfort zones and embrace new opportunities. This may involve taking risks, learning new skills, or expanding our network. It may also involve negotiating our worth and asking for what we deserve.

By upping the ante, we demonstrate our confidence in ourselves and our abilities. We show the world that we are valuable and that we deserve to be compensated for our contributions. This, in turn, attracts more opportunities and opens doors to greater financial success.

Financial Success as a Byproduct

When we focus on living a fulfilling and meaningful life, pursuing our passions, and making a positive impact on the world, financial success becomes a natural byproduct. We create value for others, attract opportunities, and build a life of abundance and prosperity.

So, if you're seeking financial success, don't just focus on the numbers. Instead, focus on living a life that aligns with your values and pursuing your passions with unwavering determination. As you upping the ante on life, you'll discover that financial abundance is not just a goal, but a natural consequence of a fulfilling and meaningful existence.

A Roadmap to Financial Freedom Through Inner Harmony

julie@juliemurphy.com (Julie Murphy) — Tue, 31 Oct 2023 10:00:00 GMT

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In a world where financial abundance and freedom are coveted by many, we often find ourselves trapped in a complex cycle of desires and actions. It's a cycle, a karmic loop, and we have the choice to make it nurturing or vicious. You've probably heard of karma – the universal principle that your actions and intentions influence your future experiences. It's like the universe's memory of your deeds, shaping your path forward.

But how can we harness the power of karma to attain financial freedom and abundance? It all begins with a fundamental belief – the belief that you get back what you give in life. The idea that every action creates a memory, a desire, and leads to more actions. If you give negativity, you receive negativity. If you give positivity, you receive positivity. This is where we have a choice, to view karma in a positive light.

The journey towards financial abundance and freedom starts with recognizing your role in your own life. It's about taking responsibility for your happiness, which is often intricately connected with your financial well-being. Sometimes, it's as simple as taking a moment for yourself – disconnecting from the external noise and asking, "What would truly make me happy?" This self-reflection is the first step on your path to financial abundance. Even if you're not entirely sure what will make you happy, acknowledging your current dissatisfaction is progress.

But how do you connect your quest for financial freedom with your inner self? The answer lies in the concept of inner harmony. It's about aligning your family life, work life, personal life, and financial life with your authentic self. You see, achieving financial freedom isn't solely about money. It's about achieving balance and harmony across all aspects of your life.

Your path to financial abundance may include letting go of old family beliefs that no longer serve you, redefining your career's purpose beyond job titles, embracing personal activities that genuinely bring you joy, and realizing that happiness is something that blooms from within.

Understanding the Four Areas of Your Life

By exploring each of these domains (Personal Life, Work Life, Family Life, and Financial Life), you'll gain a better understanding of how they currently align with your authentic self or fall out of harmony.

Personal Life – The Power of Balance

Your personal life is where you find your deepest passions and joys. It's the arena where you get to be yourself, away from societal expectations and work pressures. Ask yourself, does your personal life resonate with who you truly are? Are you dedicating time to activities that genuinely bring you happiness? If your personal life feels like a constant battle against your authentic self, it's time to reevaluate and make a change. This inner turmoil may unknowingly be affecting your financial abundance.

Work Life – Beyond Titles and Salaries

Your work life often defines you, but it shouldn't confine you. Titles, salaries, and the size of your office can influence how you perceive your purpose and status in life. Do you find joy and meaning in your work, or is it a daily struggle against your core values and desires? If your career path deviates from your authentic self, it may contribute to financial obstacles. Finding work that aligns with your inner wealth can be a stepping stone to financial freedom.

Family Life – Unpacking Old Beliefs

Family plays a significant role in shaping our beliefs and values. But, as you evolve, some of these beliefs may no longer serve you. Do your family's expectations and opinions define your actions and decisions? It's crucial to find a balance between family traditions and your individual journey. If you're carrying outdated beliefs that hinder your financial abundance, it's time to address and release them.

Financial Life – Beyond the Money

Your financial life may seem purely about money, but it's deeply intertwined with your emotional and mental well-being. Are you allowing your financial situation to dictate your happiness? Or have you realized that financial freedom is more than just numbers on a bank statement? It's about understanding the interplay between your inner wealth and your financial reality.

Practical Steps for Achieving Inner Harmony

The path to financial freedom involves harmonizing these four crucial areas with your authentic self. But how do you embark on this journey to inner harmony? Here are some practical steps and exercises to help you along the way:

1. Understanding Your True Self: Begin by sitting down, closing your eyes, and taking a deep breath. Ask yourself, "Who am I?" This shouldn't be about how others define you; it's about who you feel you are. Write down the first thing that pops into your head. If you're unsure, create a list of synonyms and adjectives that describe yourself.

2. Discover Your Life's Purpose: Once you've identified who you are, explore your life's purpose. What is it that truly resonates with your core? It could be raising honest, hardworking children, making people laugh, or leading others to well-being. Your purpose is deeply personal, and it's not about what society expects.

3. Evaluate Your Current Reality: Create four circles and label them Personal Life, Work Life, Family Life, and Financial Life. In each circle, jot down your current reality – the good and the bad. Dig deep to identify the specifics, the elements that either align with your authentic self or create dissonance.

4. Aligning Your Life with Your Core: Now, compare the statements you wrote down in your current reality circles with your life's purpose and your self-identity. Are there contradictions? What needs to change to bring these areas into alignment with your authentic self?

Self-enlightenment is often a challenging process, but recognizing who you are and aligning your life with your core is the key to achieving financial abundance and freedom. It's a journey that transcends mere wealth and delves into the essence of happiness, balance, and harmony.

I hope this glimpse into the intertwined world of emotions and money has sparked your curiosity and provided you with valuable insights. However, remember that this is just the tip of the iceberg. In my book, "The Emotions Behind Money: Nurturing Financial Well-Being," I delve even deeper into these topics, offering a comprehensive exploration of the emotions that influence our relationship with money and practical strategies to transform our financial lives. Get your copy of " The Emotions Behind Money " today and start nurturing your financial well-being like never before. Your future self will thank you.

Three Steps for Easing Financial Worries

julie@juliemurphy.com (Julie Murphy) — Tue, 24 Oct 2023 10:00:00 GMT

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In today's fast-paced world, financial stress has become an all-too-common issue. The weight of financial responsibilities can take a toll on our overall well-being, leaving many of us searching for a way to find financial peace.

Financial stress is a prevalent issue, affecting people from all walks of life. It's not limited to any specific age group, gender, or economic status. Whether you're struggling to make ends meet or striving for financial security, the stress surrounding money can be overwhelming. The constant worry about paying bills, saving for the future, and managing expenses can lead to sleepless nights and a diminished quality of life.

So, how do we break free from this cycle of financial stress? The answer lies in aligning our financial decisions with our heart and soul, making conscious choices, and taking action in a way that's both empowering and sustainable.

The Myth of "Once I Have Enough Money..."

One common myth that perpetuates financial stress is the belief that once we accumulate a substantial amount of money, we'll finally be able to follow our heart and soul. The narrative often goes like this: "Once I have enough money, I'll pursue my passions and live life to the fullest." However, this myth is often a recipe for disappointment.

The truth is, many individuals delay following their passions until retirement, only to discover that it comes at a significant cost to their health and well-being. The correlation between job loss and subsequent health issues is a compelling argument for reevaluating the myth of financial fulfillment post-retirement.

While men often grapple with the burden of providing for their families, women experience financial stress in a different way. Women are more likely to prioritize the needs of others over their own, often to their own detriment. This perpetuates the myth that they must wait until they have enough money to follow their passions and purpose.

It's crucial to debunk this myth. Financial well-being is not about doing for others at the expense of oneself; it's about striking a balance between self-care and caring for others. Men and women alike need to recognize that they deserve to pursue their dreams and passions, regardless of their financial circumstances.

Opening the Dialogue About Money

The journey to financial peace begins with open and honest communication about our financial struggles, fears, and aspirations. Far too often, money remains a taboo subject, clouded in shame, blame, guilt, and judgment. It's time to break free from these constraints and create a supportive community where we can openly discuss our financial concerns.

We encourage you to share your experiences and questions with us in the comments section. By doing so, you not only help yourself but also contribute to a shared dialogue that can heal others facing similar financial challenges. It takes courage to open up about money, but it's a crucial step towards finding solutions and opportunities for growth.

Bridging the Gap Between Dreams and Reality

If you find yourself in a career that once brought you joy but now feels uninspiring, you're not alone. The dilemma of feeling drawn to something new while maintaining your current income is a common struggle. So, how do you bridge the gap between where you are and where you want to be?

Here are three practical steps that can help you make that transition:

1. Embrace Letting Go

One of the most critical steps in achieving financial peace is to let go of things that no longer serve you. Whether it's expenses, relationships, or dreams that no longer align with your heart and soul, it's essential to assess what needs to be released. Sometimes, it's financial obligations, like downsizing your home or relocating to a more affordable place. Other times, it may involve letting go of relationships that drain your resources.

In some cases, the dream you once held may need to be released to make room for a new, more authentic one. By letting go, you create space for change. Remember, letting go is a crucial first step towards reducing financial stress.

2. Step into Empowerment

It's easy to feel like a victim of circumstances when financial stress takes hold. However, this perspective doesn't lead to a solution. Instead, it's time to step into empowerment. You are not at the mercy of external forces, and you have the power to make choices that align with your heart's desires. Tap into your inner strength, make conscious choices, and commit to them. This is your life, and it's time to reclaim control over your financial well-being.

3. Take Action with Intention

Setting intentions and releasing them into the universe is a common practice, but it's essential to remember that action is equally important. When opportunities present themselves, take action in alignment with your goals. When the right action aligns with your purpose, it will feel like a no-brainer, effortless and in perfect harmony with the present moment.

Remember that self-love and self-care are essential components of financial well-being. By implementing these steps, you can create a life that is not only financially sustainable but also genuinely fulfilling.

Achieving financial peace is about aligning your heart and soul with every financial decision. By embracing the three steps outlined in this blog post, you can reduce stress around money and create a life that is in tune with your authentic self. Let go of what no longer serves you, step into your empowerment, and take action with intention. Your financial well-being and overall happiness will thank you for it.

The Power of Feminine and Masculine Energies

julie@juliemurphy.com (Julie Murphy) — Sun, 15 Oct 2023 21:06:22 GMT

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We all have both feminine and masculine energy within us, regardless of our gender. These energies help us to understand and navigate the world around us. Our feminine energy is intuitive, creative, and nurturing. Our masculine energy is logical, practical, and assertive. When we use both of these energies in balance, we can achieve great things.

Our feminine energy guides us in exploring our inner world, nurturing creativity and collaboration. Our masculine energy helps us navigate the outer world with reason and logic. It is the beautiful dance of these two energies working together that allows us to flourish.

In different situations, we call upon these energies as needed. In the business world, our masculine energy takes the lead, driving us to strategize and make things happen. At home, we embrace our nurturing feminine energy, caring for loved ones with empathy and compassion.

The power of understanding and balancing these energies can be harnessed for personal and financial growth. That is where the PACT process comes into play, enabling us to assess, balance, and integrate these energies to our advantage.

Money management is one area where these energies often play a significant role. Men and women tend to approach their finances differently. Some might find solace in meticulous planning and predictability, while others prefer spontaneity and taking life as it comes. It is a wonderful tapestry of diversity.

However, it is essential to remember that there is more than one way to achieve success. Sometimes, a singular, unwavering focus can be a fantastic asset, but there is also beauty in embracing your inner feminine energy. The feminine side fosters creativity, collaboration, and intuition—essential qualities for making well-rounded financial decisions.

The PACT process encourages the exploration of your feminine energies, focusing on introspection and creativity, often overlooked by conventional financial experts. Acknowledging and activating your internal authority and desires can lead to profound transformations on your financial journey.

On the flip side, the practicalities of day-to-day financial responsibilities often require a dose of masculine energy. This aspect of your inner self is systematic, analytical, and logical, which can be especially useful when managing your finances. Remember, these qualities are skills that you can tap into and develop as needed.

Your feminine and masculine energies complement each other in a beautiful yin-yang balance. Embracing this duality can help you make more well-rounded decisions, not only in your financial life but also in various aspects of your journey.

So, why not take a moment to reflect on how you can tap into the dynamic energies within you to create a harmonious financial path? Explore the beauty of balance, and watch your financial success unfold.

In the end, it is the union of your feminine and masculine energies that completes you, creating a more vibrant and fulfilling life.

If you are looking to improve your financial situation, it can be helpful to tap into both your feminine and masculine energy. Here are a few tips:

Use your feminine energy to connect with your intuition and creativity. This can help you to make wise financial decisions.
Use your masculine energy to take action and achieve your goals. This can help you to reach your financial potential.
Be open to both your feminine and masculine energy. Don't be afraid to use whichever energy is most appropriate for the situation.

By using both your feminine and masculine energy, you can achieve great things in your financial life. Be open to both energies and use them in balance to reach your full potential.

To learn more about PACT and how to use your feminine and masculine energy to improve your financial situation, I recommend my book Awaken Your Wealth .

Financial Empowerment Through the Lens of Authenticity

julie@juliemurphy.com (Julie Murphy) — Tue, 10 Oct 2023 13:00:00 GMT

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In a world where authenticity seems like a rare gem, it becomes evident that many people worldwide have not been living in alignment with their true selves. Authenticity, as we see it, is the key to unlocking a new economic perspective, and the current scenario is nothing short of fascinating.

Today, we're diving into real-life experiences to help you attain what I like to call "real wealth." Now, what does real wealth mean? It's about loving your life, achieving financial abundance, and finding true satisfaction in your work. Yes, life has its ups and downs, but it's all about creating harmony in your journey. And the gateway to this harmony? Financial empowerment.

As I've worked with clients over the past few years, one thing has become crystal clear: the pandemic, despite all its hardships, forced us to look within ourselves. We had to confront how inauthentically we were living, causing conflicts in various aspects of our lives, from our jobs to our relationships and even our communities. The echoes of this conflict still linger.

It's a testament to how many people around the world were not living authentically, in alignment with their hearts and souls. This authenticity, or lack thereof, is precisely what I believe is now manifesting itself in the economic landscape, and it's nothing short of fascinating.

You see, two primary economic indicators ruled most of last year: labor markets and consumer spending. The world watched in awe as these sectors remained resilient while news headlines screamed of impending economic recession. But here's the kicker: nearly 70% of the economy is driven by consumer spending. It's intriguing to observe how consumers, initially green and confident, have turned a shade of yellow, signifying uncertainty.

So, what's the message here? It's time for each one of you to hold onto your personal power fiercely. Never give it away to anything that doesn't align with your true self, for that is when you lose control of your life and everything around it.

Sure, there are things beyond your control—your boss, your kids, your spouse, your government—but you can influence them from a place of authenticity. Your heart carries a magnetic force that can reach over eight miles, while your ego and mind barely stretch two feet. So, it's essential to stay grounded in your personal empowerment.

How do you maintain financial empowerment? It starts with avoiding debt and making wise financial choices. During the pandemic, we saw a surge in savings as people created their financial safety nets. Household debt decreased. These actions kept individuals and corporations empowered.

Everything in this world, including your energy, is subject to your choices. So, ask yourself, what kind of energy do you want to emit? Do you want to dwell on past financial troubles or focus on expanding your future? The key is to concentrate on what uplifts and empowers you.

Your financial reality is what it is, but you can take steps to steer it in the right direction. Whether you are income affluent or asset affluent, it's all about managing your cash flow effectively.

In uncertain times, like a recession or a financial setback, tap into your empowerment. Make choices based on your financial awareness, adapting as needed. It may not always be easy, but it keeps you in control and prevents you from burying your head in the sand.

It's time for all of us to embrace financial empowerment and insulate ourselves from the uncertainties of the world. Take a closer look at your financial situation and consider how you can make choices that empower you. That's my challenge to you today.

The Art of Intuitive Choices: Finding Alignment and Empowerment

julie@juliemurphy.com (Julie Murphy) — Tue, 03 Oct 2023 13:00:00 GMT

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In a world where choices abound, the dilemma of which path to follow can be perplexing. Recall our recent discussion on intention-setting in " Harnessing Intentions for a Fulfilling Year-End ." Today, let's delve deeper into practical tools to aid you when faced with multifarious options.

Tapping into Your Heart's Wisdom

Empower yourself to make decisions resonating with all facets of your life. This exercise aligns with your intuition and empowers you to discern the right path.

On individual pieces of paper, jot down each option before you. Perhaps it's applying for a specific job, casting a wider net, or relocating for work. These choices are uniquely yours.

Shift from the logic of your left-brain to embrace the mystery. Shuffle the papers, select one, and hold it in your hand. Immerse yourself in the emotions this choice evokes.

The Art of Surrender

Embrace your heart center. Document the feelings that flow, devoid of overthinking. Heed your intuition, not your rational mind. The elevated vibrations of certain options, even if seemingly illogical, guide you to your answer.

Shut your eyes, connect with your heart, and perceive your options. Sensations of heaviness or excitement unveil your answer. Your left-brain might resist, unfamiliar with this mode of information processing.

Harnessing the Pendulum's Energy

The pendulum's playful sway offers access to your higher self, distancing you from overthinking. Choose a pendulum resonating with you, and attune yourself to its rhythm. It becomes a conduit for intuitive insight, answering your queries with a Yes or No.

Verbally articulate each option. Observe your body's response to gauge alignment. Pose the query, "Is this my highest and best path?" Embrace the response, even if discomfort arises. Avoid judgment or self-negotiation.

Transforming Limiting Beliefs

Affirm your worthiness: "I deserve the income I have – and more!" Internal resistance arises from limiting beliefs. Persistently repeat the affirmation, even facing yourself in the mirror. Over time, these words recalibrate your mindset.

Be Clear - But Open to How it Shows Up

Express your desires while inviting flexibility in manifestation. State, "I desire this outcome, open to various paths." This approach aligns with authenticity and signals openness to diverse avenues of fulfillment.

Forge this alignment across your professional, personal, and health pursuits. Unleash your highest self, for this congruence amplifies your intentions and fuels your creations.

Embrace Intuition, Trust the Journey

Amidst life's crossroads, intuitive decision-making harmonizes your choices with your heart's compass. As we immerse ourselves in these exercises, remember that embracing your authentic self and relinquishing control open pathways to vibrant creation.

Stay anchored in your heart space, and embark on this journey with renewed confidence. Let's ardently pursue our aspirations, celebrating the synthesis of intention and alignment, leading us toward a year-end illuminated by our own empowerment.

Mastering Your Finances with a Holistic Approach

julie@juliemurphy.com (Julie Murphy) — Tue, 26 Sep 2023 10:00:00 GMT

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Today, we're diving into the world of effective money management, but we're going beyond the numbers. We'll explore how you can manage your finances not just logically but also by integrating your heart and your head. So, grab your financial statements, and let's embark on a journey to financial empowerment.

1. Financial Awareness: The Foundation

In today's ever-changing economic landscape, being financially aware is crucial. It's like having a GPS for your financial journey. Many of us tend to avoid opening financial statements, fearing the numbers within. However, choosing to be aware is the first step towards financial empowerment. Don't shy away from your financial reality – embrace it.

Forget the word "budget." Instead, focus on understanding where your money is going. What debts are you accumulating? Take those envelopes with bills and face them head-on. Your courage to confront your financial situation is your first act of empowerment.

2. Staying Financially Empowered

Once you're aware of your financial situation, the next step is to stay financially empowered. This means taking control of your financial destiny. You don't need complex spreadsheets or software; a simple pen and paper will suffice. List your debts, their interest rates, and the payments you're making. Prioritize paying off the high-interest debts first while making minimum payments on others. This approach allows you to regain control of your financial life.

Furthermore, evaluate your investments. Do you know why you're investing in what you're investing in? Connect with the companies you're investing in; do you support their values and how they impact the world? Staying financially empowered means aligning your investments with your values.

3. Financial Check-Ups: The Date Night for Your Wallet

Consider scheduling regular financial check-ups, even if you're single. It's like a date night with your wallet. These check-ups can be done with a trusted friend, family member, or a financial planner. They serve as an accountability system and help you stay on track with your financial goals. Don't wait for financial problems to emerge; be proactive and make these check-ups a part of your financial routine.

4. Identifying Leaky Containers

"Leaky containers" are situations where your money is flowing out unnecessarily. Identify these situations in your life. It might be lending your credit card to a family member who's been out of college for years or constantly bailing out a spouse who doesn't share your financial goals. Boundaries are essential in managing these leaky containers. It's okay to say no and encourage others to take charge of their financial lives.

5. Choose Your Financial Life

Lastly, remember that the universe responds to action. You can have all the financial goals and dreams, but without action, they remain elusive. Take steps to shift your financial energy toward your goals. Whether it's saving more, investing wisely, or reducing debt, every action moves you closer to your financial aspirations.

Managing your money effectively isn't just about numbers and budgets; it's about empowering yourself to take control of your financial life. Start by being financially aware, then stay empowered by taking charge of your debts and investments. Schedule regular financial check-ups and identify and mend leaky containers in your financial life. Finally, remember that your financial future is in your hands, so take action to shape it as you desire.

If you're looking for additional guidance and support, consider exploring resources like the " IMPACT " online course coming soon or " The Four Spiritual Laws of Money " book. Together, we can attain real wealth and create lives that are truly on our terms. Financial empowerment awaits!

Find Financial Freedom with the PACT!

julie@juliemurphy.com (Julie Murphy) — Tue, 19 Sep 2023 10:00:00 GMT

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Money woes are hardly a novel predicament; throughout history, individuals worldwide have grappled with significant financial challenges.

Interestingly, debt appears to rise in tandem with income. Even those earning substantial four-, five-, or six-figure incomes often find themselves trapped in a financial quagmire. After settling their debts and taking care of housing, transportation, and childcare costs, there's barely anything left for savings. This dilemma cuts across all socioeconomic strata, painting a grim picture of a world living for the moment, unable to plan for retirement, and perpetually teetering on the brink of financial catastrophe.

I witness this chaotic scenario up close every day as an independent wealth advisor. I empathize with the universal struggle, as I too was ensnared in the statistics for years. Burdened by college loans, assisting family members in need, and haunted by my parents' fear-driven belief that there'd never be enough money to sustain us, I watched as my income flowed through my fingers faster than I could earn it. There always seemed to be an unforeseen expense lurking around the corner.

A Shift in Perspective

We're all composed of energy. Our bodies, the world around us—everything is energy. Even money is energy, a form of stored energy. The key to financial success lies in transforming our relationship with money. We must redirect and reshape our energy, focusing on what we desire instead of dwelling on our fears. The shift involves transferring our focus from the obstacles to the positive outcomes we seek. This change in mindset propels us from where we've been to where we aspire to be.

When it comes to our financial mindset, we often inherit attitudes and beliefs from our family backgrounds, inevitably replicating the financial behaviors of our parents.

Money: The Lifeblood of Existence

Money is often one of the most challenging topics to broach, triggering intense emotions in all of us. It serves as the life force that drives the world, sustaining and powering our lives. Our relationship with money parallels our connections with our partners, children, and ourselves—it's a perpetual, enduring bond.

So, what's your relationship with money? Do you love it, hate it, need it, want it, make it, lose it, like it, save it, invest it, worship it, and fear it—or perhaps a combination of these feelings? Some prefer to sweep their financial bottom line under the rug, hoping that money magically materializes when needed to cover expenses and then some. Others live recklessly, spending without restraint and suffering the consequences of overwhelming debt and exorbitant interest rates. The mere thought of money can be simultaneously thrilling and infuriating.

Interestingly, some people find it easier to discuss their intimate lives than to divulge details about their financial situation—how much they earn, spend, save, or invest. Fortunately, once we grasp the dynamics of money and our personal relationship with it, we can actively engage in shaping our financial future. Let's be honest: money is as vital to our lifestyle and overall well-being as the blood coursing through our veins!

Crafting a Viable Solution

When people seek to better understand themselves, they often turn to the field of psychology. In my quest for self-discovery, I turned to the realm of money management and financial planning. With my own financial challenges to confront, I immersed myself in learning about finance, economics, and money, initially to help myself and eventually extend that knowledge to assist others. Little did I know that by addressing my own monetary dilemmas, I'd profoundly improve every aspect of my life. In my personal journey of resolution, I birthed PACT - a four-step system that brings financial matters and transformation to the forefront, making it accessible to everyone.

Here is how the PACT Process is broken down:

P: Picturing the life you want to create

A: Accepting your reality

C: Choosing and committing to change

T: Take action!

You can learn more about the PACT process in this blog post .

Now, I invite you to explore the pages of " The Awaken Your Wealth " book, where you'll discover the secrets of the PACT system and how it can accelerate your journey towards financial success. Whether you're just starting out or nearing retirement, this resource is your ticket to achieving your financial dreams faster than you ever imagined.

Don't miss this opportunity to transform your financial future. Get your copy of " The Awaken Your Wealth " book today and get on the path to financial abundance!

Relationships: The Key to Success

julie@juliemurphy.com (Julie Murphy) — Tue, 12 Sep 2023 10:00:00 GMT

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As we forge ahead in our pursuit of the life we've always envisioned—a life that resonates with our truest desires and ambitions—we're essentially laying the groundwork for a journey that's uniquely ours. This journey entails financial freedom, real wealth, and a profound sense of empowerment. But let's not stop there. As we continue our exploration of the life we want to create, let's delve deeper into a critical aspect—our relationships. After all, a life well-lived is one that encompasses meaningful connections and resonant bonds.

Nurturing Relationships

Family Bonds: Cultivating a Vision

Imagine the relationships within your family dynamic—do they align with your ideal vision? Are there aspects you'd like to transform? It's not only okay but empowering to prioritize your own aspirations when it comes to these connections. What does your heart desire for your family relationships? As you ponder these questions, remember that your intuition might guide you towards paths you never considered before.

Professional Interactions: Shaping Your Workspace

The relationships we foster at work significantly impact our daily lives. Envision the interactions within your professional sphere—how would you like them to unfold? Consider the harmonious collaborations, the supportive network, and the sense of fulfillment you desire. Our work environment holds immense potential for growth and empowerment.

Matters of the Heart: Love and Partnership

The personal love and partnership relationship holds a profound place in our lives. Envision the contours of this connection—how do you want it to manifest? What qualities and dynamics do you seek? Embrace the opportunity to design a relationship that resonates with your deepest desires. Remember, as you explore, your heart might guide you toward uncharted territories.

Embracing Transformation and Expansion

Opening the Door to Possibility

Amid this exploration of relationships, maintain an open heart and an open mind. Embrace the potential for expansion—allow yourself to consider scenarios that might deviate from your previous notions. It's within this openness that growth and transformation flourish, offering new perspectives on what's possible.

Crafting Your Unique Vision

The beauty of envisioning your desired relationships lies in the creative freedom it provides. Much like an artist with a canvas, you have the power to dream and design your relationships. Embrace the notion that life's truest treasures often arrive in unexpected packaging. By dreaming the life you desire, you set in motion the forces that align reality with your vision.

The Inner Shift: From Dream to Reality

The Role of Feelings

As you map out the landscape of your relationships, dive into the realm of feelings. Beyond the surface details, consider how you want to feel within these connections—whether it's a sense of support, joy, harmony, or understanding. Remember, the emotions you nurture internally are often mirrored in your external world.

The Power of Transformation

Our external world is an intricate reflection of our internal landscape. As you refine your inner thoughts and feelings, the external world shifts accordingly. This may seem unusual, even bizarre, but it's a fundamental principle of our holographic reality. By changing your perspective from within, you catalyze transformation in the world around you.

Continue to Dig Deep

As we journey through these contemplations and envision our relationships aligning with our desires, remember that the process of self-discovery is ongoing. Keep digging, keep exploring, and keep embracing the nuances of your heart's desires. Your journey towards financial freedom, real wealth, and abundant relationships is an intricate tapestry—a canvas waiting for your touch to weave a masterpiece.

In this odyssey, you're the artist, the architect, and the creator. By aligning your intentions with your aspirations, you paint a picture of the life you've always dreamt of—life on your terms.

So, let's venture forth, embracing our dreams, our relationships, and our potential. As we continue to lay the foundation for the life we wish to create, let's remember that each layer contributes to the vibrant masterpiece of our existence.

What Emotions Fuel Your Financial Destiny?

julie@juliemurphy.com (Julie Murphy) — Tue, 05 Sep 2023 10:00:00 GMT

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Every so often, I indulge in a rejuvenating retreat at The Chopra Center for Wellbeing in sunny Carlsbad, California. The experience is nothing short of transformative – it uplifts, heals, and motivates. During one of my visits, co-founder David Simon, M.D., dropped a bombshell that left me rattled to my core. He asserted, based on the patients they see at The Chopra Center, that over 90% of the toxins within the human body do not stem from bacteria or harmful chemicals; they fester from toxic emotions. This revelation struck a chord, especially as I was in the early stages of crafting this book. Eager to explore this notion further, I approached Dr. Simon after his seminar. Little did I know, his insights would reshape not only my perspective on health but also on wealth. It dawned on me that emotions, from our health to our wealth, hold the keys to a fulfilling life.

Your Inner Wealth

Internal Processing Department

In our fast-paced world, it often feels like we're perpetually playing catch-up with ourselves. Once upon a time, people leaned on their communities – neighbors, friends, or religious congregations – to navigate life's challenges. They took the time to genuinely care for one another. Seniors retired from companies where they'd worked since they were 18, steeped in the sense of homegrown camaraderie. Today, the face of business is in constant flux. Young employees flit in and out of companies, while older workers bid adieu. The chance to forge deep connections seems rarer than ever.

Yet, it's a fallacy to believe that we've lost our desire for intimacy. In fact, most people yearn for someone who cares about them on a deeper level. This longing drives many to seek quick fixes to soothe their emotions, inadvertently triggering a cascade of problems – broken homes, crushing consumer debt, obesity, and reliance on prescription drugs. To some extent, we all grapple with toxic emotions. The challenge lies in our inability to process them effectively. Consequently, these emotional toxins seep into our bodies, infiltrate our relationships, and cast a shadow over our lives, exacerbating the problem.

Allow me to demonstrate how this principle applies to your financial health. If you find yourself drowning in debt or buried under the weight of mortgages, know that these circumstances trace back to your emotions about money and how you manage them internally, which then manifests externally. It's crucial to recognize that the feelings and attitudes you hold toward money aren't inherently good or bad; they are neutral. It's your responses to these emotions that can either propel you into financial turmoil or set you on the path to abundance.

Here's the silver lining: By summoning the courage to confront your emotions head-on, you can prevent them from morphing into unhealthy behaviors. So let's focus on identifying your inner toxins in various forms, from frustration and fear to jealousy and beyond.

Toxic Emotions Exercise

So, what's eating at you? Take a moment to contemplate the toxic emotions you might be neglecting to process effectively. Do you break into a cold sweat at the weekly sales meeting because of performance pressure? Does the distance between you and your aging parents fill you with helplessness and guilt? Does your stomach knot up at the thought of next month's mortgage payment? Are your spouse's spending habits a constant source of irritation that you keep to yourself? How do you react to your spouse regarding money – reactively or proactively? Are there patterns in your marriage that mirror your parents' relationship with each other and with money? Does a pang of jealousy and anger wash over you whenever your neighbor mentions her new kitchen, prompting you to avoid her? Open your heart and let your emotions flow.

Now, here's the good news. There are steps you can take to detoxify these feelings. The first step is allowing yourself to feel these emotions instead of burying them deep within. Techniques for healing the mind and body include meditation, crafting and following a life plan, revisiting your existing life plan, or even something as straightforward as redirecting your cash flow.

Stop, Look, and Listen

Connecting with your toxic emotions is akin to following the basic rule children learn when crossing the street: Stop, look, and listen. Imagine waking up on a Monday morning feeling a sense of melancholy. You find it necessary to gulp down a cup of coffee (or a Diet Pepsi, as I once did) just to muster enough energy to peel yourself out of pajamas. Another cup fuels your journey into the car. As you embark on your forty-minute commute to work, a growing sense of agitation envelops you. The radio blares loud, head-banging tunes, and you suddenly find yourself making angry gestures at fellow drivers. It's your mind and body shouting – not whispering – to you! This scenario exemplifies how we either experience emotional outbursts or stow our emotions within by seeking solace in food, drinks, smoking, excessive cleaning, or exercising, and yes, even spending or hoarding our money.

In my own past, I remember the aftermath of lavish spending on others during Christmas. I would physically experience what I termed a "spending hangover" – it was exhausting. Finally, I decided to pay attention to why I had overspent. I began to stop, look, and listen to the emotional triggers behind my external behaviors.

Indulge me for a moment and try this exercise. Instead of hastily consuming caffeine, pause and ask yourself, "Why am I so exhausted and in need of a temporary energy boost?" There's something deep inside you resisting the day ahead. Perhaps restless nights are due to incessant thoughts about your children's soccer schedules or next week's quarterly meeting. When you sit in the car en route to work, observe your hands gripping the steering wheel or your narrowed eyes in the rearview mirror. Are your knuckles white from clenching, or are your eyes squinting in anger? While on the road, turn off the radio, if only for a moment, and embrace the silence. Your mind and body will gradually calm, allowing underlying emotions to surface. Tune out the mental chatter and concentrate on your emotions. Or, merely focus on the silence and permit your emotions to emerge. Reflect on your feelings at that precise moment. Attempt to listen to your heart. How do you feel right now? Connect with the sadness or frustration inside that often manifests as anger, rage, jealousy, or envy – whatever emotions arise. Don't judge; simply acknowledge. This exercise is not arduous and serves as a valuable tool throughout the day to gain insight into your behavior.

The Journey to Abundance

Every day, I assist intelligent, well-intentioned individuals like yourself in taking the initial steps towards building wealth. It commences with an inward gaze into your emotions regarding money. Subsequently, you must cultivate and sustain a healthy relationship with wealth. The journey starts by identifying your innermost desires, life passions, and allowing them to steer your course. Finally, you need to chart a Personal Life Navigation route. This is your blueprint for attaining a life brimming with joy and abundance. Ultimately, it's the method by which you transition from your current patterns to a more enriching foundation in all aspects of your life. Your Life Navigation Route is the roadmap that can shift you from surviving to thriving. It's your means of progressing from a money-centric existence to a life centered around your core self.

A Journey from the Inside Out

My journey towards financial healing commenced when I decided to scrutinize my own inner landscape – and this is where your odyssey must also begin. If you're someone who can candidly assess your current reality, congratulations – this initial step won't pose a challenge. However, if you tend to avert your gaze from your own reflection, the process may initially feel uncomfortable. Rest assured, though, that once you begin posing the right questions and uncover your true self, flaws and all, you'll be primed to lead a balanced life aligned with your soul's purpose. The rewards will be immeasurable.

Paving the Way to Financial Freedom and Abundant Living

julie@juliemurphy.com (Julie Murphy) — Tue, 29 Aug 2023 10:00:00 GMT

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In the quest for financial freedom and abundance, the journey begins with a profound introspection into your aspirations and intentions. Just as a sculptor chisels away to reveal a masterpiece, you too must excavate your innermost desires and map out a plan to realize them. Today we delve into the art of creating Real Wealth through a series of targeted questions that will guide you along the path to prosperity.

Prioritizing Your Prosperity

At the heart of your journey lies the need to prioritize your prosperity. It's essential to envision the changes and enhancements you seek in your pursuit of financial freedom. While external transformations are visible, it's crucial to recognize that real wealth originates from within. To embark on this journey, consider evaluating your financial health. This involves taking a closer look at your assets, liabilities, and financial goals. Understanding your current financial standing lays the foundation for your future endeavors.

Detoxing Financial Baggage

Just as we cleanse our bodies, shedding lingering financial burdens can catalyze the transformation you're seeking. This detoxing process involves identifying and letting go of financial baggage that no longer aligns with your evolving aspirations. This could include high-interest debts, unproductive spending habits, or investments that yield minimal returns. By releasing these burdens, you create space for new opportunities and set the stage for financial growth.

Crafting a Prosperous Routine

To truly sculpt a foundation for financial abundance, it's vital to establish daily or weekly rituals that enhance your financial wellness. These rituals go beyond budgeting and saving – they revolve around cultivating an abundant mindset and aligning your actions with your goals. Consider dedicating time for activities such as visualization exercises, reading financial literature, or learning from experts. Consistency in these practices can transform your relationship with money and empower you to make informed financial decisions.

Harmonizing Abundance on All Fronts

Understanding that your journey toward financial freedom encompasses various dimensions of your life is pivotal. Mental, emotional, physical, and spiritual abundance are all interconnected, contributing pieces to the wealth puzzle. As you shape your trajectory, take time to explore the spectrum of abundance you wish to manifest. Consider enrolling in courses or accessing resources that expand your financial knowledge. Moreover, contemplate engaging in personal ventures aligned with your passions, fostering genuine joy while making financial progress.

Architect of Your Financial Destiny

Embrace the role of an architect as you embark on this transformative voyage. Your intentions should be firmly anchored in your heart's desires. This journey demands the fusion of your dreams, intellect, and financial resources. Through this synergy, you'll craft a canvas adorned with abundance and Real Wealth – a testament to your ingenuity and determination. Your narrative becomes a tangible embodiment of your pursuit of financial freedom, weaving together aspirations, mindset, and financial acumen.

The Culmination of Self-Discovery and Growth

This journey isn't solely about amassing monetary riches; it's about self-discovery, growth, and manifesting your destiny. Your story represents the tapestry woven from the threads of your experiences, decisions, and unwavering perseverance. Each step you take is a brushstroke on the canvas of your financial narrative. It's a testament to your resilience in the face of challenges and your ability to adapt and thrive.

As you navigate the path to financial abundance, remember that sculpting your foundation requires a holistic approach. Envision your goals, shed what no longer serves you, cultivate empowering rituals, and harmonize abundance in all aspects of your life. You are not merely a passenger on this journey; you are the captain of your financial destiny. With each deliberate step, you inch closer to the realization of your dreams and the embodiment of Real Wealth. Your journey is a symphony of dedication, growth, and the artistry of manifesting your own destiny.

If you’d like support applying these ideas in your own life, I invite you to join me inside my coaching community . This is where we take these conversations deeper and work together to shift the emotional and energetic patterns that shape your financial reality. Through live coaching, powerful conversations, and a supportive community, you’ll begin transforming the way you think, feel, and act around money so you can create Real Wealth from the inside out. If you’re ready to go beyond theory and start making real shifts, you can learn more about joining my coaching here .

Harnessing Intentions for a Fulfilling Year-end

julie@juliemurphy.com (Julie Murphy) — Tue, 22 Aug 2023 10:00:00 GMT

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The final stretch of the year has arrived, and with it comes an opportunity to truly connect with your heart's desires. In a world often dominated by logic and the analytical mind, we're here to delve into the power of intention and the energy of expansion. While this might seem unfamiliar for some, trust that embracing this shift can lead to profound growth in these coming months.

As we navigate the ever-changing energetics of the world, it's crucial to recognize that challenges and decisions are simply catalysts for expansion. This realization serves as the foundation for a transformative journey that lies ahead. Let's embark on this journey together, diving into the realm of intention setting and crafting a life that resonates with our deepest aspirations.

Get Clear on Your Intentions

The heart, often overshadowed by the mind's chatter, holds the key to crafting a purposeful existence. This is a call to drop from the headspace into the heart space, to truly listen to your inner desires and let go of the noise that distracts. While it might feel unfamiliar, it's a necessary step toward aligning your energy with the universe's expansive force.

In this endeavor, intention is your guiding star. Intentions are the cornerstones that ground us and pave the way for manifestation. Take a moment to revisit or explore the various aspects of your life — career, relationships, health, and finances. Feel into what you intend to create in each area.

Unleash Your Inner Creator

You are the creator of your reality. The question to ask is, "What do I intend to create?" Embrace this creative power and manifest your desires. While some results might not materialize within the next four months, leading with intention plants the seeds for future growth. Remember, it's not about adhering to your timing but trusting in divine timing.

Start by taking a pen and paper, focusing first on your professional life. Detail your income aspirations, the kind of clients you wish to serve, and the work environment you envision. Dive deeper by considering logistics and demographics, office dynamics, and even the energy of your co-workers.

Claim your creations unapologetically. If your desire is to achieve more while working less, own that aspiration. Let your intentions reflect your genuine desires.

Embrace Ease and Flow

Shift your mindset towards the affirmative and what you want, rather than dwelling on what you don't. Your thoughts shape your reality, so focus on creating a positive narrative. As you repeat this process across various areas of your life, the magic unfolds.

Remember, the energy you put out returns to you. If you seek grace and ease in your work life, embody those qualities in every facet of your reality. Authenticity is key, as your actions and intentions resonate in the tapestry of your life.

Carve Out Sacred Time

In this intentional journey, time is your ally. Allocate moments in your calendar dedicated to this practice. Even smaller, consistent efforts can yield profound results. Treat this time as you would a vital business meeting; honor your intentions with the respect they deserve.

As intentions converge with reality, transformation takes shape. The synergy between your heart's desires and your actions is where the magic truly occurs. By holding space for your intentions, you invite the universe's creative force to work alongside you.

Embrace the Possibilities

As we approach the final quarter of the year, let's embark on a journey of intention, creation, and expansion. By dropping from the head into the heart, you unlock a wellspring of potential. Remember that your intentions are the seeds you plant, nurtured by your actions and energy.

Embrace the power to shape your reality, whether in your career, relationships, health, or finances. Approach each intention with authenticity and hold them close, for they carry the energy of your desires.

In this dance between intention and reality, recognize that every step you take aligns with a grander design. As you embrace this journey, you step into the flow of life, co-creating with the universe itself. So, as we journey through the last quarter of the year, let's embark on this intentional path and watch as the universe conspires to bring our aspirations to life.

Inherited Money Patterns: Rewrite Your Wealth Story

julie@juliemurphy.com (Julie Murphy) — Tue, 15 Aug 2023 10:00:01 GMT

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Money, that elusive yet essential aspect of our lives, can carry within it a multitude of emotions and experiences. For some, it's a source of empowerment and freedom; for others, it can be a constant source of stress and anxiety. Unraveling the intricate web of our relationship with money often requires introspection, understanding our patterns, and tracing them back to their roots.

From a young age, I found myself at ease in the company of people. Interacting, connecting, and dealing with others came naturally to me. Little did I know that this knack for communication would later play a significant role in shaping my financial journey. My first glimpse of this unique ability was during my childhood, when I won an Atari 2600 game. The elation I felt was unparalleled, and subsequent wins like an electric blue ten-speed Huffy bicycle only fueled my confidence in this skill.

With each victory, I unknowingly set the stage for my relationship with money. Yet, despite these successes, I entered high school without any savings. Looking back, it's evident that my spending habits were rooted in fear—fear that if I didn't indulge in my desires immediately, the money might vanish before I could seize the opportunity. My early life was dominated by a sense of scarcity, perpetuating a cycle that I inherited from my parents—a pattern of spending before we had it, living in a constant survival mode.

Interestingly, this inherited money pattern didn't just affect my financial decisions; it seeped into other areas of my life too. I realized its subtle yet potent influence when reflecting on my relationship with food. Growing up, our family's grocery trips were accompanied by the anticipation of special treats when finances allowed. This conditioned us to consume immediately out of fear that these treats would vanish, echoing the same scarcity mindset that controlled our spending.

This pattern's persistence became even clearer during family gatherings, where the ingrained behavior of overloading plates persisted, betraying a deeply rooted fear of lack. It was an eye-opening revelation that illustrated how these patterns can shape not only our financial choices but also our behaviors and attitudes in various aspects of life.

The Unease Within

Money often carries an unsettling weight within our lives. For many, it becomes a driving force behind decisions, leaving them trapped in a cycle of unease and uncertainty. These feelings are signals from our inner selves, telling us that something is amiss between our actions and our life's purpose. This misalignment manifests as worry, fear, or anxiety—a clear indication that our outer world doesn't resonate with our inner truth.

In my own journey, recognizing these uneasy feelings and addressing them became a pivotal step towards growth. As I shared my experiences, I encountered numerous individuals who echoed these sentiments. Common refrains included the fear of never having enough money, the struggle to escape debt, or the desire for financial freedom while doing what they love.

Taking Charge of Our Financial Health

Much like tending to our physical health when ill, it's imperative to nurture our financial well-being. The key lies in understanding the root causes of our financial unease and taking steps to address them. Our feelings, though intangible, offer a wealth of information. They are not right or wrong; they are simply indicators of our internal state.

Listening to these gut feelings is akin to listening to our intuition, the universe, or our inner selves. It's about recognizing when something isn't aligned, just as a physical ailment prompts us to seek medical attention. Sadly, many of us ignore these signals, leading to an accumulation of emotional weight over the years.

The Choice to Change

It's a stark reality that many wait until crisis hits before embracing change. However, we don't need to endure hardship to embark on transformation. Life need not be a perpetual struggle; we have the power to change course at any point. The journey towards financial freedom and real wealth is not just about amassing funds; it's about aligning our actions with our inner purpose and breaking free from inherited patterns that no longer serve us.

The inherited money pattern can shape our relationship with finances, influence our behavior in various aspects of life, and impact our overall well-being. Recognizing the origins of these patterns and addressing the unease they bring is the first step towards financial liberation. As we listen to our inner signals and consciously choose change, we pave the way for a life imbued with authenticity, abundance, and true wealth.

Remember, the choice is yours. Will you perpetuate the cycle, or will you break free and forge a new path towards financial and emotional well-being? The power lies within you.

I hope this glimpse into the intertwined world of emotions and money has sparked your curiosity and provided you with valuable insights. However, remember that this is just the tip of the iceberg. In my book, "The Emotions Behind Money: Nurturing Financial Well-Being," I delve even deeper into these topics, offering a comprehensive exploration of the emotions that influence our relationship with money and practical strategies to transform our financial lives. By reading the book, you'll gain a deeper understanding of yourself, uncover hidden patterns, and acquire the tools to cultivate a healthier and wealthier future. Don't miss out on the opportunity to embark on this transformative journey. Get your copy of "The Emotions Behind Money" today and start nurturing your financial well-being like never before. Your future self will thank you.

Embrace Your Perfect Timing

julie@juliemurphy.com (Julie Murphy) — Tue, 08 Aug 2023 09:00:00 GMT

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Welcome back to another week of your extraordinary existence as a spiritual being having a human experience. How has your journey been unfolding? Today, as we delve deep into what truly matters to you at this juncture, there is one crucial message that needs to be firmly anchored within you: trust your own timing.

Embracing Your Unique Timing:

Pause for a moment and embrace the fact that there is nothing amiss with the timing of your evolutionary process across the different dimensions of your being. Whether it's your mental self, emotional self, physical self, or spiritual self, your timing is absolutely perfect. Every aspect of your being is synchronizing harmoniously, aligning precisely with the rhythm of your soul's growth.

The Perfection of Who You Are:

You are an exquisite embodiment of perfection. Embrace the truth that who you are in this moment is exactly as it should be. The culmination of your life experiences, challenges, and triumphs has molded you into the magnificent being that you are today. Embrace your uniqueness and honor the journey that has led you to this very point.

The Beauty of Your Experience:

Every experience you encounter holds its own profound beauty and significance. Embrace the imperfections and blessings alike, for they are all part of your growth. Remember that each moment carries valuable lessons, and every twist and turn serves a purpose in shaping your character and expanding your consciousness. Embrace the entirety of your experience with gratitude and open-heartedness.

Authenticity and Alignment:

As you show up each day on your journey, allow and align more of your authentic self to rise to the surface. Embrace the truth that you can only navigate this path in a way that aligns with your unique essence. Release the need for validation from others and remain steadfast in your truth. Remember, you came here to accomplish something extraordinary, and staying true to yourself is the key to reaching your full potential.

Releasing External Judgment:

It is vital to free yourself from the opinions and comments of others. Their perception of your journey is not what defines you. Focus on staying aligned with your truth, even if it may differ from the perspectives of those around you. By maintaining a neutral stance and trusting your own inner guidance, you can navigate your path with greater effectiveness, experiencing less suffering and relying less on survival behaviors.

Choosing to Be You:

Now is the time to make a conscious choice to fully embrace and embody your authentic self. Embrace your uniqueness, your gifts, and your passions. Trust that by being unapologetically yourself, you are contributing something invaluable to the world. Allow your authentic essence to shine brightly and illuminate your path.

Creating in Alignment:

Take a moment to reflect on what more you would like to create in your life. Set your intentions and visualize the possibilities that lie ahead. Trust that as you align with your authentic self and trust your perfect timing, you will manifest your desires with grace and ease. Embrace the transformative power of this cycle and embrace the journey of creation with open arms.

Remember to trust your own timing on this remarkable spiritual journey. You are a unique and perfect expression of the divine, unfolding in alignment with your soul's growth. Embrace your authenticity, release external judgments, and choose to be the magnificent being that you are. Embrace the creative power within you and step forward with confidence, knowing that the universe supports you every step of the way.

Wishing you joy and fulfillment on your extraordinary journey of self-discovery.

How to Redefine Our Relationship with Money

julie@juliemurphy.com (Julie Murphy) — Tue, 01 Aug 2023 10:00:00 GMT

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Have you ever looked around and seen people trudging through their daily lives, looking utterly miserable? I'm talking about those folks stepping off the train with expressions of pure drudgery, like they've been punched in the face. It's a common sight during my morning drive to work in downtown Chicago. And you know what? It makes me incredibly grateful for the financial healing and harmony I've experienced in my own life.

Let me take you back to 1995 when I was a new insurance and investment broker. Back then, I felt like money ruled my world. Every aspect of my life revolved around financial commitments, and it was exhausting. I was stuck in the rat race, constantly striving to make ends meet. From groceries to rent and even treating my friends, money seemed to dictate my every move. On top of that, I felt the responsibility of supporting my eleven siblings. It was overwhelming, and I had unknowingly given away all my personal power to money.

But you know what? I was lucky to have a mentor, who played a significant role in my journey to financial healing. Whenever he saw me wearing a look of despair, he would call me into his office and ask, "Okay, Murph, what's up?" I couldn't hide my inner turmoil, and tears of frustration would often flow. But he had a unique way of putting things into perspective. He once remarked, jokingly, that my student loans were like a pimple on an elephant's ass. I thought he was nuts at first, but his comment eventually became a source of inspiration for me. It made me realize that maybe things weren't as bad as I thought and that there was more to life than just work and money.

Growing up in a large family of eleven siblings in a working-class suburb of Chicago also shaped my relationship with money. We didn't have much, and I had to work from a young age to help support my family. But it also taught me valuable lessons about resilience, empathy, and the importance of choices. I realized that money provided opportunities and choices in life, and I wanted to break free from the cycle of scarcity.

One thing that became clear to me early on was that I had a talent for sales. I excelled at connecting with people and selling products effortlessly. It was through these experiences that I understood the power of my own abilities and how they could help me achieve my goals. But despite making money, I struggled with managing it. It seemed to slip through my fingers, and I never had any savings. There was an underlying emotional component to my relationship with money that needed healing.

As part of my journey to financial healing, I began exploring my patterns and behaviors around money. I realized that some of them were healthy and helped me achieve my goals, while others were less constructive and caused havoc in my relationships. It was essential for me to recognize these patterns without judgment and understand how they influenced my financial decisions.

I encourage you to do the same. Take a moment to reflect on a recent success or acquisition in your life. How did you attain it? What emotions and behaviors accompanied the process? Did you approach it with a sense of confidence and planning, or did you resort to manipulative tactics? By examining your patterns and behaviors, you can gain valuable insights into your relationship with money and make conscious choices that align with your true desires.

There's no right or wrong here. It's about self-reflection and understanding. By becoming aware of your habitual patterns, you can start making positive changes and reclaim your personal power from money.

Financial healing is a journey, and it takes time and effort. But trust me, it's worth it. Together, we can redefine our relationship with money and create lives that are balanced, fulfilling, and aligned with our true selves.

Remember, you have the power to take control of your financial well-being and live a life that's in harmony with your inner desires.

I hope this glimpse into the intertwined world of emotions and money has sparked your curiosity and provided you with valuable insights. However, remember that this is just the tip of the iceberg. In my book, "The Emotions Behind Money: Nurturing Financial Well-Being," I delve even deeper into these topics, offering a comprehensive exploration of the emotions that influence our relationship with money and practical strategies to transform our financial lives. By reading the book, you'll gain a deeper understanding of yourself, uncover hidden patterns, and acquire the tools to cultivate a healthier and wealthier future. Don't miss out on the opportunity to embark on this transformative journey. Get your copy of "The Emotions Behind Money" today and start nurturing your financial well-being like never before. Your future self will thank you.

Finding Peace and Joy in Everyday Life

julie@juliemurphy.com (Julie Murphy) — Tue, 25 Jul 2023 10:15:00 GMT

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In this blog post, let us come together as a community, celebrating the essence of our shared journey. As we bask in the warmth of the sun, let us reflect on the transformative power of spiritual growth. It is indeed a remarkable experience to feel grounded, balanced, and attuned to the harmony within ourselves and the world around us. Today, we delve into the fruits of our collective efforts, remaining vigilant as we navigate the unknown, and extending kindness towards ourselves and others along the way .

Embracing the Unforeseen:

As we traverse this path of spiritual awakening, it is crucial to remain vigilant and open to unexpected opportunities and challenges. Be prepared to welcome the unknown, for it often carries profound lessons and blessings in disguise. Remember, even if you cannot foresee what lies ahead, trust that you possess the inner strength and resilience to overcome any obstacles that may come your way.

Self-Compassion: The Key to Growth:

In this journey of self-discovery, it is vital to be kind to ourselves, especially when we stumble or respond in less-than-perfect ways. Embrace self-compassion as an essential tool for growth. Acknowledge that every step, whether smooth or rocky, contributes to your spiritual evolution. So, let go of self-judgment and replace it with gratitude for the lessons learned.

Honoring Our Teachers:

In this profound exploration of our spiritual selves, it is important to recognize the people who cross our paths. Each individual we encounter serves as a valuable teacher in our lives. Express gratitude for their presence and the wisdom they impart, for they are instrumental in our growth. Remember that, at a soul level, we have called them into our lives to facilitate our journey as human beings.

Nourishing the Soul:

Today, take a moment to engage in an activity that feeds your soul. Whether it's immersing yourself in nature's embrace, embarking on an invigorating workout, indulging in a refreshing swim, savoring solitude, or embracing the rhythm of dance, choose what brings you joy and rejuvenation. Find time for the things that make you giggle, put a smile on your face, and foster a deep connection between your heart and your daily life.

A Heart Longing for Fulfillment:

Your heart has yearned for this very moment, a time when peace, joy, and contentment converge. Embrace this precious opportunity to cultivate kindness, gentleness, and patience. Understand that not everyone may be as far along on their own consciousness journey as you are. Extend patience to those who are still navigating their own challenges, for they require space to grow. Remember that their own transformative journey may unfold in ways they cannot yet comprehend.

As this draws to a close, allow the love and happiness within your heart to radiate outward. Embrace the power of spiritual awakening, finding solace in the balance you have attained and the joy you have cultivated. Together, let us continue to walk this path, supporting one another and spreading the light within us to create a more compassionate and enlightened world.

With heartfelt wishes for love and happiness, may your journey be filled with endless blessings.

Embrace Who You Truly Are

julie@juliemurphy.com (Julie Murphy) — Tue, 18 Jul 2023 09:00:00 GMT

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Today, let's dive into the exciting journey of embracing your authentic self and living a life that aligns with your true passions and desires. It's time to break free from the shackles of societal expectations and focus on what truly brings you joy and fulfillment.

You know what's interesting? We all have this incredible emotional and spirit-driven infrastructure within us that guides us through life. It's what makes us unique and special—the authentic self. But you know what? Many of us tend to overlook this foundation and instead focus on the almighty dollar. We let money and material possessions dictate our decisions and shape our lives. But let me tell you a secret: when we tap into the strength and purpose of our authentic self, incredible things start happening.

I get it, though. It can be challenging to shift our mindset away from the monetary aspect of life. We've been conditioned to believe that success is measured by our bank accounts. But here's the truth: when we know who we are at our core and what we want out of life, and then take practical action to pursue those dreams, the money will follow. It's a shift in mindset and behavior that can truly change our reality.

Now, let's address those feelings of being stuck and filled with doubt. Trust me, you're not alone in this journey. Many of us have experienced setbacks and disappointments that have made us question ourselves and our abilities. It's natural to feel trapped or cynical about the future. But here's the thing: you have the power to break free from this cycle. The key is reconnecting with your authentic self and rediscovering what truly makes you happy.

Think back to your childhood. Remember those moments when you were completely absorbed in doing something you loved? When time seemed to fly by because you were following your inner passion? Those moments are clear signs that you were embracing your unique abilities and talents. But sometimes, as we grow older, we lose touch with those passions and settle for a life that doesn't align with who we truly are.

But here's the good news: you can change that. Take a moment to reflect on what activities excited you as a child. What came naturally to you? Then bring yourself into the present and consider what brings you joy and fulfillment now. If money were no object, what would you do every day? What are you truly great at, and what sets you apart from everyone else?

Now, let's celebrate your unique abilities and talents. Make a long list of all the things you're good at and passionate about. Don't hold back or be modest—give yourself permission to acknowledge your greatness. Maybe you have a knack for understanding your kids like no one else or an analytical mind that can assess situations with lightning speed. Perhaps you excel at being present in the moment or have a talent for listening and connecting with others. Whatever it is, write it down and embrace it.

Take a good look at your list. You might discover new aspects of yourself that you hadn't fully realized before. This is the first step towards aligning your life with your authentic self, and it's incredibly exciting. The journey has just begun, and there's so much more to explore.

Now, let's talk about the relationship between money and personal power. We've all heard stories of people who work their entire lives to secure their financial future, only to face unforeseen hardships or health issues just as they retire. It's a cautionary tale reminding us not to let money define our lives.

I'll share a personal story with you. My father, who worked as an electrician, dedicated his life to supporting our family. But when the system changed and he faced fierce competition from younger workers, his life took an unexpected turn. The stress and upheaval led to devastating consequences, and he suffered two strokes. It was a wake-up call for our family, a reminder that life's meaning should not be solely defined by external factors such as work and money.

Let's break free from this trap. It's time to continuously redefine our lives and find purpose in each stage. When we align with our authentic selves, we insulate ourselves from the hardships that can wreak havoc on our mental, emotional, and physical well-being. We nurture our relationships and create a life driven by joy, passion, and fulfillment.

So, my friends, let's take the first step toward living authentically. Embrace your unique abilities, rediscover your passions, and let them guide you on this remarkable journey. Together, we can create lives that are truly in alignment with who we are at our core.

Stay tuned for more insights and practical tips on tapping into your authentic self. The adventure is just beginning, and I can't wait to see where it takes us. Remember, you have the power to redefine your life and live authentically—let's make it happen!

Allowing Transformation and Growth by Embracing Authenticity

julie@juliemurphy.com (Julie Murphy) — Tue, 11 Jul 2023 10:00:00 GMT

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Welcome, to the realm of authenticity on this remarkable journey of self-discovery. Just like a pimple being squeezed, we are all experiencing a process of purification and alignment with our true selves. In this blog post, we dive into the transformative power of allowing, and how it can lead us to profound personal growth.

Embracing Imperfection:

As we navigate this period of self-realization, it is essential to allow ourselves to show up in imperfect ways. Release the pressure to be flawless and instead embrace the authenticity of your being. Recognize that imperfection is a natural part of the human experience, and it is through our flaws that we can learn, grow, and connect more deeply with our true selves.

Welcoming Change:

Allow the winds of change to sweep through your life, for they bring opportunities for growth and expansion. Open yourself up to the possibility of change, even if it feels uncomfortable or uncertain. Remember, it is in the moments of transition that we often discover hidden aspects of ourselves and experience personal breakthroughs.

Observing Fear and Resistance:

When fear arises, instead of pushing it away, allow it to surface and observe it with curiosity. Notice the sensations in your body, perhaps that pit in your stomach, without judgment. By observing without getting entangled in fear, we can gain a deeper understanding of ourselves and create space for transformation.

Accepting Others:

Grant others the freedom to be who they are without feeling the need to control or influence them. Embrace the diversity of human expression and honor each person's unique journey. By allowing others to be themselves, we create an environment of acceptance and understanding, fostering deeper connections and personal growth.

Unveiling Deeper Layers:

As experiences come your way, view them as opportunities to delve into deeper levels of self-discovery. Embrace these moments as gateways to unravel hidden aspects of your being and expand your understanding of who you truly are. By embracing these encounters, you open yourself up to profound growth and self-awareness.

Embracing Expansion:

Allow yourself to expand beyond your comfort zone. Embrace new possibilities, ideas, and perspectives. Trust that as you stretch your boundaries, you will discover hidden potentials and capacities within yourself that you never thought possible. Embrace the expansiveness of your being and step into the vastness of your potential.

Nurturing Love and Abundance:

Open your heart to receiving love and abundance in all its forms. Allow love to flow effortlessly into your life, nourishing your soul and fostering deep connections. Embrace the abundance of the universe, allowing prosperity and opportunities to come your way. By aligning with the energy of love and abundance, you invite a harmonious and fulfilling existence.

Embracing the Journey:

Remember, this journey is not a sprint but a lifelong adventure of self-discovery. Embrace each step with love, cherishing the process of growth and transformation. Adore the twists and turns, the highs and lows, for they are all integral parts of your unique journey. Love yourself unconditionally throughout this magnificent odyssey of self-realization.

As we conclude this reflection on the power of allowing, remember that there is so much more to come on your path of authenticity and self-discovery. Embrace the journey with an open heart, knowing that you are capable of transforming into something greater than you could ever imagine. Cherish the process, love yourself fiercely, and be ready for the limitless possibilities that await you.

Your Inner Wealth: Balancing Abundance in Life

julie@juliemurphy.com (Julie Murphy) — Tue, 04 Jul 2023 10:00:00 GMT

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In today's world, it's easy to get caught up in the rat race of chasing after money. We're constantly bombarded with messages that tell us that we need more money to be happy, successful, and fulfilled. But what if the real key to abundance is not found in our bank accounts, but in our inner wealth?

Our inner wealth is made up of our values, beliefs, and priorities. It's the foundation of our lives, and it determines how we experience the world. When our inner wealth is strong, we feel confident, secure, and happy. We're able to make decisions that are aligned with our values, and we attract positive experiences into our lives.

On the other hand, when our inner wealth is weak, we're more likely to feel stressed, anxious, and unfulfilled. We may make decisions that are based on fear or insecurity, and we may attract negative experiences into our lives.

The good news is that our inner wealth is something that we can develop and grow. By focusing on our values, beliefs, and priorities, we can create a foundation for a life of abundance.

Here are some of the benefits of developing your inner wealth:

You'll feel more confident and secure. When you know what your values are and you're living in alignment with them, you'll feel more sure of yourself and your place in the world.
You'll be more motivated and productive. When you're working towards something that you're passionate about, you'll be more likely to stay motivated and productive.
You'll attract positive experiences into your life. When you're living in alignment with your values, you'll attract positive people and experiences into your life.
You'll be happier and more fulfilled. When you're living a life that's aligned with your values, you'll feel happier and more fulfilled.

How to Develop Your Inner Wealth

There are many things you can do to develop your inner wealth. Here are a few tips:

Identify your values. What's important to you in life? What are your core beliefs? Once you know what your values are, you can start to make decisions that are aligned with them.
Set priorities. What's most important to you right now? What are your goals for the future? Once you know your priorities, you can start to focus your energy and resources on the things that matter most.
Take care of yourself. Your physical, mental, and emotional health are all important aspects of your inner wealth. Make sure you're taking care of yourself by eating healthy, exercising, getting enough sleep, and spending time with loved ones.
Be grateful. Gratitude is a powerful emotion that can help to boost your inner wealth. Take some time each day to focus on the things you're grateful for. This will help you to appreciate the good in your life and to feel more abundant.
Meditate. Meditation is a great way to connect with your inner self and to develop your inner wealth. There are many different types of meditation, so find one that works for you and practice it regularly.
Read. Reading is a great way to learn about different values and beliefs. Read books that challenge you and that help you to grow as a person.
Spend time in nature. Being in nature is a great way to connect with your inner self and to feel more grounded. Go for walks in nature, hike in the mountains, or simply sit in your backyard and enjoy the peace and quiet.

Developing your inner wealth is an ongoing process. But by following these tips, you can start to create a foundation for a life of abundance.

Inner Wealth Exercise

To help you get started, here's an exercise you can try:

Take some time to think about all the things that are important to you. What are your priorities? What are your values? What are your beliefs?
Write down your answers.
Reflect on your list. Are there any areas where you could be living more aligned with your values and priorities?
Make a plan to take action in one area.

This is just a starting point. As you continue to develop your inner wealth, you'll discover more and more ways to live a life of abundance.

If you're interested in learning more about how to develop your inner wealth, I encourage you to check out my book, Emotions Behind Money: Building Wealth from the Inside Out . In this book, I share my insights on how our emotions about money can impact our financial lives, and I offer practical tips on how to shift our mindsets and create a more abundant life.

The book is available for free, all you have to pay is shipping. To order your copy, click here .

I believe that everyone has the potential to develop their inner wealth and create a life of abundance. If you're ready to take the next step, I encourage you to check out my book.

The Impact of Positive Self-Talk on Building a Rich Life

julie@juliemurphy.com (Julie Murphy) — Tue, 27 Jun 2023 10:00:00 GMT

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I often discuss the challenge of managing our own negative thoughts, which can be just like crabs in a bucket. Our own doubts and fears can cause significant harm to our self-esteem and hinder us from pursuing our aspirations. These crabs can pull us back down with constant reminders of our past failures and discourage us from making progress. It's important to recognize and address these thoughts before they take hold and prevent us from achieving our goals.

We may be our own worst crabs. And this has a big part in how we speak to ourselves. Our self-talk is the gateway to what our future could hold. So often, we speak things into existence. If we tell ourselves that today will be a bad day, then it most likely will be. If we say we can't go back to school to get a graduate degree, we'll never even attempt it.

So, how do you talk to yourself? About your body? About your job? About your finances?

Speaking negativity into the universe will only bring negativity in return. Cultivating inner and outer wealth can only happen when we start talking treasure instead of trash.

Here's an action step for you: take thinking positively a step further this week. When you have a positive thought about yourself, say it out loud. When someone gives you a compliment, thank them by repeating what they said to you. This opens you up to receiving.

Instead of "talking trash," speak only treasure into your life. It may feel weird at first, but keep speaking it into your life. Eventually, those positive words will turn into positive actions, and those actions will be the foundation of creating the life of your dreams.

Positive self-talk affirmations are one of my secret weapons in building wealth.

What are positive self-talk affirmations? In psychology, self-talk is believed to be a combination of conscious and unconscious beliefs and biases that we hold onto. It can be either negative or positive and influences our behavior in many ways you may not even recognize.

One of the first steps you can take to change the way you talk to yourself is by building awareness around what you're saying. This helps you start making the changes you need to take on your goals around money.

For example, if you constantly repeat negative affirmations to yourself about money, you might notice yourself saying things like, "I'm never going to have enough money to pay bills," or "I can never seem to hold down a good job."

When you notice that, you're witnessing negative self-talk in real time.

Another important thing to remember about negative thoughts is that our brains are designed to remember and hold onto the times we made a mistake or had a negative experience.

It's common to keep replaying these negative experiences, which in turn adds fuel to our negative self-talk.

On the flip side, positive self-talk helps us cultivate self-compassion for who we are and where we came from. It also helps us be more forgiving when we do make a mistake or experience a negative event.

Positive self-talk switches our narrative from "I can't do anything right" to "next time I'll do better." When we choose to learn from our mistakes, the way we talk to and about ourselves changes as well.

Here are some examples of positive self-talk:

"I forgive myself for any past mistakes"
"I'm a deserving human being"
"I love myself for who I am"
"I have permission to change my mind"
"I trust myself"
"I have the strength to make my dreams come true"
"I am proud of myself for even daring to try"

Anything you can think of that is a positive affirmation for making money is a great way to improve your roster of positive self-talk statements

How to Move Through Limited Beliefs Around Money

julie@juliemurphy.com (Julie Murphy) — Tue, 20 Jun 2023 09:00:00 GMT

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Have you ever noticed that as you’re beginning to manifest your financial desires, more limited beliefs can show up?

Perhaps you’re making headway on aligning your finances. You’re working on your money in the short, mid, and long-term and have your financial intentions crystal clear, but then another unexpected expense shows up and you feel that old resistance.

What I want to highlight to you today, is that as you evolve through the next layer, this provides another opportunity to work through your limited beliefs that creep up along the way.

Plugging Into Alignment

When we still plug into what isn’t aligned, it's amazing how our energy gets drained.

As we’re growing, evolving, and peeling back those layers, we constantly have the opportunity to plug into old habits and limited beliefs. Such as defaulting to debt when those unexpected costs arise.

The magic comes when we continue to be relentless in what we want to create and keep our nervous system in neutral despite the tests.

Becoming Our Authentic Selves

I'd like you to ask yourself; have you been living as your authentic self?

Many of us haven’t been our authentic selves. While plugging into what isn’t aligned feels familiar and easy because it’s what we’ve done for most of our lives, it isn’t what’s true in our hearts.

When you begin to crack open, recognize your patterns, and live from a place of authenticity, you become less tolerant of the energy, situations, and people that aren’t of the right vibration.

So, you have to be relentless here! Look at the tests you’re facing and find your bliss by stepping into those tests.

Your job is to tap into being the creator of your life!

All you have to do is set the intention to protect your energy and ask to be shown the golden nuggets. It’s amazing how when you set the intention, that’s exactly what you will get. I see this with so many of my clients.

We don’t understand just how powerful we are and how much we truly are the creator of our lives!

If you see resistance, understand that’s the vibration you’re trying to climb out of. Stay with it.

Breathe through it.

Once you evolve energetically, your cells also evolve and this becomes your new norm. Living as your authentic self becomes effortless.

This is the true embodiment of ‘Real Wealth’.

When it comes to our money - and because everything is energy, our finances are the result of everything else going on in our lives. But instead of reacting, it’s about how we choose to observe, walk through the tests, and create safe boundaries for ourselves .

There are 4 pillars that are interrelated and it’s important we work on all of them to create harmony and come back to the essence of wholeness . These 4 pillars are:

Emotional

Spiritual

Mental

Physical

They all determine how you show up in life and how you begin to plug into the world authentically. For example, If you’re not feeling in a good, safe place mentally at work, you’ll carry that into your finances, personal and family life.

We tend to fragment ourselves and this is about collecting those fragments to become whole - to become aligned. When we stop searching for the answers, this is that magical place when we know we’re aligned and when everything flows with ease!

Surrender Into What Arises

Keep in mind that what you ask for can show up in different packages! This is where divine timing comes into play.

I can be a naturally impatient person – perhaps you can relate! To move through this, I always have to say to myself ‘Divine timing, not Julie timing’!

Learn to walk in your trust. To align with the archetype of your soul - not what you’ve been conditioned to be. Or what you’ve conditioned yourself to be.

The faster we do, the faster we get to the relationships, careers, family life, and financials we desire in our hearts and soul.

It’s all about learning to live with an open heart and building that muscle. When you live in your essence, in your authenticity , in your light, the things that used to trigger you no longer penetrate you.

When you see a trigger, ask yourself ‘Where am I not showing up authentically’? You will know the answer and it often means setting a new boundary to create a safe space. From here, this is where the expansion can occur!

The 4 Spiritual Laws of Money

To help you navigate your journey through the tests and to truly understand the energy of money, I highly recommend you read my book The 4 Spiritual Laws of Money.

This book is perfect for you if you’re a dreamer and the thought of financial freedom makes you excited, yet you still find yourself falling in and out of debt.

Maybe you’re income affluent but you haven’t yet become asset affluent.

Or it could be that you have climbed up the career ladder and achieved all that you were ‘supposed’ to achieve, yet you still don’t feel happy or in alignment.

If so, the 4 Spiritual Laws of Money is for you. It digs deep into applying your intentions in your life and offers an abundance of practical tools, tips, and exercises to create that momentum that you might feel you’ve been lacking.

However, a great place to start right now is to tap into what makes you giggle! Raise your vibration and challenge your limited beliefs by following what brings you joy, and what feels true in your heart.

Put aside the ‘shoulds’ and listen to what that wise, beautiful heart of yours is telling you!

How to Manifest What You Desire

julie@juliemurphy.com (Julie Murphy) — Tue, 13 Jun 2023 10:00:00 GMT

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Do you feel like you’re struggling to manifest what you desire? More money, a harmonious relationship, a dream job, better health?

If so, today I want to talk to you about the importance of raising your vibration and moving into expansion.

This is about mastering the art of allowing . Increasing your awareness of how you’re not allowing yourself to open up.

We each have two aspects to ourselves - the feminine (heart) and the masculine (mind). Both can play havoc in different ways but for many of us, dropping into our hearts and moving into the divine feminine is how we can break down those energetic heart walls we’ve built up as we’ve moved through life.

So now, it’s time to live more from your heart, stop giving energy to the past, and truly expand into your incredible future!

Tuning Into Your Body Intelligence

As you’re reading this and letting my words land, I invite you to tune into the wisdom of your body.

How does your body send you signals? Does this manifest through a stiff neck, a sore throat, back pain, or migraines? This is your body sending you information.

How is your body sending you that information?

97% of the way our physical body responds to the world doesn’t come from our DNA, but instead, through our experiences in life. Our bodies are way smarter than our minds!

Your body is telling you in the moment what is going on, but are you listening? When you get hit by pain or sensations, ask your higher self what you’re not listening to. Pain is a physical manifestation of unprocessed emotions so breathe into that pain. Enquire!

Love yourself enough to pay attention. Ask the questions. When you do, rest assured, you’re going to get the hits! When you listen to those hits, this is a major way to amplify your manifestations .

Identifying Your Triggers

Next, let’s drill down on your triggers.

Have you been triggered by someone else? Your parents, boss, a friend, the school system, the government, society?

When we’re triggered, we project blame, shame, and judgment on others, but being triggered by someone or something is only indicating what needs to shift within you .

How are your triggers not allowing you to open up to expansion?

What needs to shift in you? Let me tell you now, your mind and ego will not want to talk about it! They will try and detour you to protect you, but try your best to breathe through the resistance.

Breathe into expansion.

Every day for the next week, with all the people you listed, give gratitude to those people. Why? Because this is about shifting what’s inside of you and acknowledging that the trigger has nothing to do with the other person.

You cannot expand financially or in life when your trigger button is being pressed by the world at large. Getting to the energy of gratitude is the highest vibration we can move into.

Remember, you can’t force someone else to change but you can raise the energy grid by raising your own energy. Allow and hold the space for everyone to rise up too.

The true art of mastery is staying in your own lane and you'll soon notice how people start to follow - in their own time when they are ready. You just have to do your thing as opposed to trying to force.

Most people are good people and if they’re triggering you, see it as yours. What is it supposed to be teaching you? Give daily gratitude because it’s helping everything evolve!

How are you Distracted?

Let’s now look at your distractions. How are you distracted?

It could be that you’re a workaholic, addicted to workouts, or the feeling of cortisol running through your body.

Perhaps your phone, video games, or social media?

All of these distractions mean you’re not focused on creating your life and building Real Wealth , but distracted by what's pulling you away.

You can’t expand and manifest if you’re distracting yourself. If you’re looking for a quick hit of dopamine and reaching for these things outside of yourself to avoid feeling your feelings.

Are you participating in these distractions as opposed to what truly makes your heart sing?

The awareness piece here is allowing yourself to pause when you reach for that distraction. For me, this comes in the form of doing puzzles to open up and receive the hits and guidance I need.

What could that be for you?

Where Do You Not Feel Safe?

Everything I’ve touched upon today can be reflective of not feeling safe.

So, what is your story about safety?

Do you love yourself enough to create a safe container for yourself? To set boundaries and recognize how you’re showing up in the world.

You get to choose for it to be easy!

When you start to show up differently, the world and people around you also do – once you create that awareness, it’s incredible how you will notice this!

If you bring in anything from yesterday into today, you’ll also bring it in tomorrow. So now, start to do things differently and watch how things in your life and the people around you shift. Use your energy to reach the higher selves of others and be that light to raise the energy grid of the collective.

When you elevate yourself, you shift the others around you.

Allow for space and potential.

This is how you shift into that beautiful place of expansion.

Just watch how things unfold - watch the quantum leaps you experience in your financial life and your manifestations.

Get ready because this is when things get really exciting!

And if you’re ready to live life on your own terms and transform your finances, personal life, and career, you’re not going to want to miss this! After selling out and achieving incredible results for those that joined, my group coaching course IMPACT is open for enrollment. Get ready for transformation by signing up here to secure your place.

I’ll look forward to seeing you there!

How to Create Abundance in Your Life

julie@juliemurphy.com (Julie Murphy) — Tue, 06 Jun 2023 10:00:00 GMT

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Today I want to talk to you about the importance of thinking about what you want to create in your financial and personal life from an energetic perspective.

Looking at the next few months ahead, I’d like to invite you to ask yourself; what energy do you want to bring?

How can you embody that in your financial and personal life, career, and relationships?

What is the Energy You Desire?

There’s so much noise, so much distraction, so much ‘stuff’ outside of ourselves. We’re constantly bombarded by the media, news about inflation, and the macroeconomic environment.

Plus of course, the energy around us in our closer circles, including family, friends, co-workers, and bosses. I hear this being a barrier for so many of my clients.

But what is the energy that you want? In a relationship, for example, focus less on the person, and more on the energy of the relationship you want to create. Do you want to be lifted up and become a better version of yourself? Do you desire collaboration, partnership, unity, and being a part of a team?

And what is the intention of your energy when it comes to looking at these various pillars of your life?

I hear many people talk about the idea of abundance – including myself of course! I understand though that it can feel a little esoteric.

How to Actually Create Abundance

If you desire abundance in your life , yet it still doesn’t seem to quite land or manifest, this is because it’s still outside of you. All our definitions of abundance are different so this is about going deeper into the energy of abundance and what that looks and feels like to you - and only you.

To do this, I invite you to breathe through the process. This is because we want to open up any constriction. When you add life to your breath you become more of a channel, can drop down into your heart, and get to the core of what that energetic embodiment looks like for you!

What Will Be Your New Normal?

With that idea in mind now, what do you choose to be your new normal? What will be the new normal in how you approach your finances, your personal life, your health, and your career?

Decide what energy you want, embody that through your thoughts, feelings, words, and actions, and only then will it show up in your money, your career, and your relationships.

A few questions you can ask yourself:

What is the energy behind your finances? What is the energy in motion surrounding your financial picture?

What about your health? What is your intention for your health?

What is the energy of the physical space you want to create for yourself?

In your work life in 3 - 5 years, what would you love to do, see and feel?

If you had enough money to pay your bills right now and could do absolutely anything, what would you be doing? I need you to feel, think and shift into a world where you already have the dividends coming in to pay your bills. Connect with that version and that timeline of yourself so you can draw it and pull it to you!

What income do you want to make? This is where articulation is so important. The compelling reason for change is to dream the new dream and not remain in the energy of the past. So drill it down. Is it a consistent income with regular bonuses? Do you desire to make 6 figures in your business? What are your co-workers like? What is the energy of the people you work with? If you had the most ideal boss, what energy would they embody?

Remember, if your answers are a little outside the box, lean into that! Go with it! This is about it being expansive for you – not what you feel you should want or be according to somebody else’s standards.

And very importantly, what is going to make you giggle??! Be out of the box and obnoxious! Write it down! Claim it!

Understanding the Power of the Heart

The reason why I’m encouraging you to set these intentions in this way because it is from a place of space and freedom, they represent what you are choosing from your heart.

Not your logical left brain or what you feel you should want. But what feels authentic and incredible in your soul and true essence.

Your heart has to be the cornerstone of everything.

It has been proven in quantum science that the magnetic force of the human heart spans over 8 miles. The mind spans only 2 feet. Yet, we’ve been trained to operate from the mind and not our hearts.

I would love you to bust the vulnerability of your heart wide open - while keeping a safe container.

Open your heart and then bring in the smarts.

What does your heart desire so you can stop wasting time and truly go after what you want to create? To completely embody the essence of that energy?

The more you uncover your authentic self, the more you uncover what’s true for you.

If you’d like more updates and guidance from me and a community of like-minded people to walk this journey with, don’t forget to join the Julie Murphy community . We’re all in this together!

Accepting Your Financial Reality Is the Key to Financial Freedom

julie@juliemurphy.com (Julie Murphy) — Tue, 30 May 2023 10:00:00 GMT

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Acceptance of your reality is one of the most important steps in moving forward on your financial journey.

And I get it - this is often one of the most challenging parts of the process. The most compelling reason for change is dreaming the new dream, but to create that space for the new to come in, you need to shift the feelings of the reality you’re in right now .

In this post, I’d like to walk you through an exercise, which will help you find acceptance in your financial life and your relationships.

Your Financial Reality

This is often the part that gives us the least amount of freedom, but the more you accept the reality of where you are financially, the more you can expand and allow the new reality you want to create to unfold.

Debts - Your Financial Past

I’d like you to start by listing down all of your debts. These might include:

Mortgage
Student loan debt - this could be yours or your children’s
Car debt
Credit card
Personal family debt

It’s so important here that you love yourself enough to create awareness of any debts you have to the exact amount .

Even if it's what many people call ‘good debt’, whatever we label it, debt represents a lack of freedom because you have to wake up today and pay for yesterday's choices.

Now, breathe into that. Notice what happens in your body when there’s perhaps some resistance to accepting your reality. Keep breathing into it and feeling through it.

Does anyone owe you money? Are you on the opposite side of the financial coin and financially prudent but acting out a suffering pattern by lending money to others and then expecting them to show up differently?

Write it down if that's your reality.

Financials in the Present Moment

Does the word ‘budget’ make you feel like there’s a cap on your life? Does it feel too limited or restrictive? For many people, it does and if so, I’d invite you to take the word budget out of your vocabulary!

You have no budgets but what you do have is cash flow, and you choose how you want it to flow.

So now I’d like you to write down - again in the exact amount, what gets deposited into your checking account? What is that inflow on a per-month basis?

Let’s now map out each one of your expenses and break this down to what time of the month each expense comes in. This is where you can increase that awareness even more.

We often don’t get into the weeds this much – down to the nitty gritty because we don’t want to see it. We resist accepting the reality of the situation. But when you break it down you will soon see where you can make easy savings on various expenses such as cell phone bill costs, subscription cancellations, memberships you no longer use, etc.

I’d also like you to look at your expenses from two perspectives; fixed and variable. The variables can be groceries, eating out, entertainment, clothes, and activities. Your fixed expenses are utilities, rent, and so on.

Creating awareness again, means we get to choose differently! We get to make more empowered choices!

Next, write down what you have in your savings accounts. What’s your backup cash or emergency fund? Regardless of the number, write it down.

Long-term Finances

This last piece is now writing down exactly what you have for your retirement years. What assets do you have? What pension plans, 401k plans, or anything similar?

Breathe into it.

What I often see for many people and those who I work with , is that it's not what they expected to have in their life at this point. So if you too feel this way, please know you are not alone.

The acceptance of your reality means that you will be able to see what sort of shame, blame, guilt, and judgment you might have around your money. This is a positive step.

Stay neutral as much as possible, while feeling these feelings. The acceptance of reality is in the feeling and then removing it from your current reality, which creates mental and emotional space for the manifestations to flow in !

Relationships

As a bonus exercise, let’s move on to writing down the reality of your relationships.

Remember, whatever is happening inside of you, is what happens in your relationships.

So, what are those feelings? Are you lonely? Is it always about the other person?

What is the reality of how you show up in those relationships? We will always attract the same people but with different names and faces unless we shift what’s inside of us.

Until we show up where our power and magic are!

Where are you showing up in your masculine energy? Where are you neglecting that feminine energy of allowing, nurturing, and holding space for a relationship to expand and unfold?

If you’re not in a relationship now, how did you show up in your previous ones?

Where are you hiding?

Where do you need to let your freak flag fly?!

Put your hand on your heart and ask to be shown.

Are you showing up as the victim or holding too little or many boundaries?

In your relationships at work, do you wind up with the same bosses and co-workers? If you’re an entrepreneur or self-employed, do you attract the same clients and vendors?

Again, this is a symbol of you showing up in a certain way. Once you create awareness of this, you can begin to shift it and change the reality of those relationships.

I know this part of the process can be tough, but I assure you, like with your finances, this acceptance of your reality is what creates the bridge to the quantum leaps on the other side.

So, I deeply encourage you to stay with it.

Feel through the feelings and keep going - you’ve got this!

How I Mastered My Finances

julie@juliemurphy.com (Julie Murphy) — Tue, 23 May 2023 10:00:00 GMT

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One of the questions I’m regularly asked is to talk about my own personal finance habits.

So, I decided to unveil them in this article as I love to share what I do on a financial front to give you some practical tips and tools you might want to apply in your own life.

You might have noticed if you watch my videos , or have read my books that I practice what I preach. I understand the emotional side of money and I walk my talk! This is because I have come from a place where I had to learn the practices I’m sharing with you today.

Let’s take it back a few years. As a kid, I grew up with 11 brothers and sisters. Yep, we Murphys were quite the clan!

Don’t get me wrong, we were a happy family but not one with an abundance of money. I had to put myself through college and like many, left with student loan debt and credit card debt because…well….I had a couple of really good Spring Breaks!

I was always fascinated by all aspects of personal finance. It was something that was just a part of who I was. I always knew I wanted to work for myself and started my own financial planning practice not long after college. Therefore, I didn't get paid that normal and steady $40,000 salary.

I had about $300 a week to live on, which I knew wouldn’t go far and so I had to create all of my own cash. I essentially started my adulthood in a deficit, without any kind of cushion or safety net and that's what's led me over these last 20 years to create systems that have all contributed to what I have achieved today and what I teach others.

I’m now going to let you in on the ones that have stuck the test of time!

Created an Account to Fund an Intention

I tend to be a giver. I wanted to help my family out but also knew I didn’t want this to compromise my ability to build a life of financial freedom for myself.

Being a natural giver and always wanting to be the person to pay for everything, credit cards were a challenge for me early on. One of the habits that I still have to this day is to ask; ‘How can I give to other people as well as hit my own goals?’

So, I created a dedicated account, which originally started as the ‘Murphy Relief Fund’ because there was always somebody in the clan that needed some kind of help. I decided that I would put $100 per month into this savings account. You know I love online savings accounts because you can set them up in minutes.

When someone in my family said ‘Jules, I need some help’ I would tell them how much I have in the account. That was the limit as I was firm on not taking anything from my other accounts.

It became a win-win. I’m a believer in seeing things from an ‘and’ perspective as opposed to ‘or’. It’s not ‘them’ or ‘me’, it’s both of us. I could help my family without compromising my own needs and goals.

This also had the benefit of me allowing other members of my family to step into their own expansion. I remember on one occasion, one of my brothers needed $1500 to fix his car. It was crucial for his job and wasn’t something that could wait. I only had $800 or so in the Murphy Relief account and willingly gave him that, but no more.

A couple of years after my brother was back on his feet, he gave me $800 and said that he wanted me to put it back into the same account so that when someone else in the family needs help, there will be money there to do so. This was such a beautiful moment!

You don’t have to create an account for the same purpose of course! But this habit taught me the value of intentionally directing your money in alignment with your needs, desires, and goals.

Go on a Financial Date Night

The second habit I created is one I advise people to use, regardless of whether they’re single or in a couple and that is to have a ‘financial date night’.

Now, I know the idea of this doesn’t sound too sexy, but it’s about self-love. It’s about creating laser awareness of your financial reality and how you want your money to flow.

I sit down with myself once a quarter and plan out what my next three months are going to look like. I choose how I want my money to flow in those three months from a place of empowerment .

I love to have my financial date night at my favorite restaurant because I want to complete the exercise from a place that feels joyful, fun, vibrant, and expansive! This means that when I’m looking at the things that over time tend to suck the life out of me such as paying alimony and high city tuition costs for my kids’ schooling, I’m still doing it from a place of abundance and expansion. The restaurants I go to aren't expensive either - I just enjoy them!

We don’t want this to be like financial torture! It’s all about how you want to design and choose your life.

Use the Cash Only Method

My next personal finance habit was using cash for my week-to-week spending. I decided that I was going to spend a specific amount each week depending on what income I was generating at the time. On a Monday, I would go to the ATM and withdraw that amount and when it was gone, it was gone.

This taught me the value of conscious spending. I remember the first week, my cash was gone by Wednesday, the next week it was gone by Thursday, and I quickly grasped how I was gradually making different choices and making my money last based on using cash to pay for things. Suddenly those extras didn’t feel as good or as necessary.

If you struggle with credit cards, it’s a great challenge to experiment with a cash-only basis. I understand it might be a struggle to begin with because you’ll be hit with the financial reality that you've created, but it’s the only way through to the other side. Once you have the awareness, you can build habits to move toward your financial future.

Keep it Simple!

Finances don’t have to be intimidating. The key is creating simple financial systems like the cash-only method. We often distract ourselves with fancy online financial systems, and these really aren’t necessary.

Of course, if those things help you and you enjoy using them, or if they feel expansive for you then go ahead! Ultimately though, it’s not letting anything distract you from creating a life of Real Wealth, and keeping it simple is a way to get results right away!

Tracking my Spending

Tracking my spending was a game-changer for me. I still like to use the Notes app on my phone to track my spending. Having this awareness means I choose how much I'm okay with going on my credit card every month. (This is done very intentionally so that I get the air miles.)

Do you know what the running total is as you’re swiping that credit card month to month?

I knew I didn’t at first.

So each time I spent anything - such as $55 for gas, I added it to my notes. I did it for absolutely everything and soon started to make decisions that were in alignment with my desires.

I still have a version of this practice today. It doesn’t mean that I have to go without the things I desire, but maybe I'm going to choose one restaurant over another because I can enjoy a great meal for $40 as opposed to the fancy white tablecloth restaurant where it would cost me $160.

I’m going to enjoy just as high a quality meal but without the spending hangover!

I'm making that choice from a place of empowerment and self-love and there will be no surprises when I look at my credit card bill. It’s all about redirecting the energy and your intentions with what it is that you want to create in your future.

These are just a few of the habits that give me the warm and fuzzies! For you, this is about loving yourself enough to create your own warm and fuzzy personal financial practices and I’d love to help you!

There’s still time to join my upcoming group program IMPACT where I’ll help you transform your finances and create a life of Real Wealth - all on your own terms!

You can sign up for IMPACT here .

How to Let Go of Financial Fear and Thrive During a Recession

julie@juliemurphy.com (Julie Murphy) — Tue, 16 May 2023 10:00:00 GMT

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Are you becoming fear based? This could be due to a recession, or perhaps your fear is telling you that you need to work harder or longer hours because of something happening in the macroeconomic environment.

It’s time to step back into your power! With every decision you make, the key is doing so from a place of self-love and refraining from regressing into financial fear-based decision-making.

If you relate to being professionally fear-based, I understand where you’re coming from and am seeing it happen with many of my clients. This is manifesting in the form of their jobs shifting post-pandemic and their employer wanting them back in the office full-time, or working more hours and setting stricter working parameters.

For most of my clients, this isn’t aligned with what they desire in a job or making them happy.

So now, I want you to recognize where you’re allowing yourself to be entrained by others.

Where Are You Allowing Yourself to be Entrained?

What does this mean? Let’s say you’re going to job interviews or attending your employee review. Where are employers trying to entrain you to go in the opposite direction of your inner knowing? Or perhaps this could be your family or co-workers. Where are other people influencing you to go against what you know to be right and true for you?

What professional life do you want to create for yourself?

This is where it’s important for you to focus on the P of my PACT Process ‘Picturing the life you want to create’.

Words coming from someone else’s mouth, TV, or whatever media or person you’re listening to, is simply someone else trying to entrain you to do what they want to do to make their world work.

And in fact, this may or may not work for you.

In some cases, you might be ok with being entrained a little (and with awareness!) because you’re on what I like to call ‘the bridge’ and are viewing that job as a means to generate consistent and stable cash flow and a path to get you to where you want to be. You know this is short-term and continue to voraciously go in the direction of the job and life you want to create.

Often what happens, however, is that we allow fear-based thinking to drive our decisions. The recession, for example. But did you know that as it stands today, there are more jobs available than there are people to fill them, and if we knew just how much personal power we have, we wouldn’t engage in such fear-based responses?

Even if the job situation in the macroeconomic environment wasn’t as such, it shouldn’t make a difference in the fact that you still have complete ownership over your personal power.

Step Into Your Power and Claim What you Desire

Why is it that you should choose anything in your life that isn’t in alignment with what you desire financially ?

Or what isn’t in alignment with your dreams, goals, and what makes you laugh? Why is it that you can’t get a job and have fun at the same time?

Let me tell you now; you can!

You just have to decide that it’s an option!

When you are making decisions about your job, professional life, or any part of your life, begin to recognize where you are allowing yourself to be entrained by others.

You’re probably going to notice that once you see it, you can’t switch it off! You start to see it everywhere and perhaps filter into other areas of your life.

This is where it’s super important for you to get in tune with who you really are and on a professional level, what kind of job you desire.

Know the Dream Exists

I have a client in the current round of my group program IMPACT , who told me how she saw a job on LinkedIn where it was a requirement that the successful candidate had to work remotely in a foreign country for at least 30 days in a year. It perhaps wouldn’t suit many people, but for others, including my client, it was perfect and would make the ideal bridge job.

Plus, it made her giggle!

This client expressed that she couldn’t live in a way where she had to be office-based full-time. She desires freedom and flexibility - like a free bird allowed to spread her wings while generating an income!

She contacted the employer and is currently going through the interview process. I share this because it’s a great example of my client potentially getting the income she wants , along with the flexibility she desires. She’d also get to travel, which ticks another box (she’s particularly excited about that part!)

So, use this as inspiration, and this week, look at where you’re negotiating yourself away and allowing yourself to be entrained by others. See if you’re allowing them to entrain you into something that isn’t aligned with your true being. Once you have that awareness, all it takes is the courage to step into what you desire, know it exists, and claim it!

Look for the opportunities that tick those boxes, like my client, and be audacious about what you want!

My group coaching IMPACT will help you step into your personal power and receive guidance from me, in addition to being supported by others who are on the same journey to personal empowerment and a life of Real Wealth. The groups are small to allow me to focus on each individual, and the results we’re seeing are truly outstanding!

So if you feel called to find out more, IMPACT runs every 6 weeks and you can sign up for the next round here .

I look forward to seeing you there!

Why Confronting Debt is the Path to Financial Freedom

julie@juliemurphy.com (Julie Murphy) — Tue, 09 May 2023 10:00:00 GMT

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Debt is a financial topic I work with many clients through and is the thing causing the most smoke and mirrors.

Whether it’s student loans, a mortgage, or what many consider to be ‘good debt’, ultimately debt is always going to be a noose around your neck.

Why?

Because it doesn’t allow you to live in the present moment. When you have debt instruments, regardless of what they are – such as the mortgage or the student loans you have to go to work today to pay for yesterday’s financial choices.

I’ll say that again: you have to go to work today to pay for yesterday’s financial choices.

You also can’t be as nimble with what you choose to do in your life in the present moment. You don’t have the flexibility to do the things you really desire – the things that will bring you empowerment , fulfillment, and joy. Life becomes so much more restrictive and filled with resentment.

All because you have to pay today for yesterday’s choices.

There’s a ripple effect of this. Debt means you’ve created a leaky container of your own personal empowerment. I haven’t met a single person who feels empowered by their debt. They usually feel weighed down by it.

What I so often see - and this is something you might relate to yourself; when people or couples create debt, such as a major house upgrade or taking on a bigger mortgage, it’s usually an indication of something else going on beneath the surface that they’re not willing to feel in life.

They’re creating short-term satisfaction with the fancy upgrades or the big, impressive house to fill some kind of emotional void. However, this can also play out to a lesser extent, which many of us fall into the trap of succumbing to. Take the holiday season for example. Marketers of brands and stores know this is a time when we get happy and excited and spend more - often swiping the credit card without considering if these spending choices are in alignment with our current reality.

The result of this is the creation of a financial prison and a huge spending hangover come January. This is the price to pay when we’re not creating that awareness.

Debt creates a container that doesn’t allow you to feel your feelings about what’s going on in your life. For you, it might be that these spending hangovers occur frequently due to you trying to keep up with others or spending to fulfill an emotional need that isn’t being met, perhaps?

If so, I want you to go within and think about where that need is rooted. Could it be something in your relationship or job?

One thing I find common is when people have a high income and work all hours. Their life doesn’t have any kind of balance. The overspending comes as a result of trying to create that balance and a sense of satisfaction with material things.

I always find it interesting that when people quit a job that demands so much of them and do something that feels more aligned on a professional level, their spending decreases rapidly. This is because they’ve filled that emotional void and are working in a job, business, or profession that lights them up and brings them inner joy!

So, I’ll ask you again; what is the reality that you’re not willing to feel? I encourage you to put pen to paper and write out your feelings on this one.

The only way to sustainable happiness is to feel those feelings that are trapped in your system.

Our subconscious mind operates 97% of the time – as researched extensively by Bruce Lipton. Your financial behaviors and decisions can also be the result of what you experienced in childhood, whether you grew up in scarcity or even on the opposite scale with a trust fund. Maybe you were never shown how to generate income and that has created a ripple effect into adulthood.

To switch to feeling financially empowered, you need to look at the motivation behind creating the debt. It’s incredibly important for you to look at your reality on this one. I understand it might be sobering and bring up feelings, but that’s good because it means you are creating awareness and getting to the other side.

What is the foundation that needs to be set to create the reality you want to experience? Does this mean doing more research and making financial choices around your kids’ education that won’t rack up debt? Does it mean refraining from taking on that bigger mortgage?

I don’t know one person who doesn’t get excited when they pay off their debt! Their life and the freedom they feel instantly elevates their entire being.

You can have that too. This is about you stepping into life to live in the present moment and make choices from your own personal empowerment – and not debt. You have to stop kidding yourself that some debt is good. Regardless of the type of debt, it will always catch up and you can’t keep creating it without consequences in some area of your life.

Ultimately, we must accept the reality of what debt creates in our lives and understand that it pulls us out of empowerment. Once the acceptance of reality is chosen, that’s the first major step to financial freedom.

I have many resources that can help you with managing debt, including my group coaching program Impact , but just know that once you confront it, you’re on your way!

You deserve to have a fantastic life filled with abundance, joy, happiness, good health, and so much love! Don’t let debt be the thing that blocks you from this.

And don’t feel that you have to do it alone. Come and be part of the vibrant community , with like-minded people who are also on this journey with you!

Giggle Your Way to Financial Freedom

julie@juliemurphy.com (Julie Murphy) — Tue, 02 May 2023 09:00:00 GMT

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You’ll often hear me talking about remembering to giggle while on your path to financial freedom and how doing so will create a profound shift in all areas of your life.

And yes, this includes your money and your ability to manifest more of it!

I was recently reminded of a past client I worked with who took this onboard and ran with it. It demonstrates just how important it is to do what you love.

I worked with this client a good few years ago. She’s been living her life in the most beautiful and aligned way by following her giggle and attracting money and income by doing what she loves.

In a recent conversation we shared, she told me that this only happened because what I said to her in our sessions resonated on such a deep level.

“Do what makes you giggle and the money will follow.”

To get to where she is now, she certainly didn’t follow the traditional way of working! She had to step outside of the model she had been following for so long. So I want to encourage you that if you’re tired of following the more traditional, linear career path and are stuck in this idea of what your career is ‘supposed’ to look like because that's what's going to generate the income, pay off your student loans or debts and get you to where you need to be, this will shed a different perspective!

I also want to reassure you that this client is just one of many making money doing what they love.

Going back to our conversation, she shared that she found her giggle in three different areas of her life where she plugs in and where she gets paid.

It works for her. She’s creative, learned to lean into her non-linear brain, and allowed herself to unleash her creativity and become the exact person she wanted to be in the world. She’s leaning into three different places, but each one feeds her soul. She pays her bills, she does her part in society, she’s completely financially independent, fulfilled, and ultimately, she's making all her dreams come true!

She’s also making way more money than in her highly traditional corporate job.

I wanted to write this post to reassure you that you don’t need to follow a particular career checklist and be stuck in ‘The Matrix’ of life.

You don’t need to live a life and earn money in a way that your upbringing, parents, society, or peers believe is the only way. Many people come to me unhappy in their jobs or career and have an underlying limited belief that they can’t make money in a more creative ‘out of the box’ way.

If this sounds like you, I’d like to remind you that the money you earn from that job you dislike will never stick if you’re unhappy, resentful, or feel that in your heart, you’re destined for something greater and more authentic to your true self.

So I’m going to set you a challenge today. When you know that something is not in alignment from a job or career perspective, I want you to find the courage inside of yourself to go out there and step into the unknown.

Step into that next adventure!

We work things out or we act them out through our money, our health, or our relationships. If you're not doing something that’s aligned with your heart and soul, it means you have an unmet emotional need which then causes you to act out.

How I often see this play out is through getting into debt cycles to try and satisfy that unmet emotional need.

In contrast, if you take that bold step and go and do what you love - the things or ideas that are actually in alignment with your heart and your soul, you’re showing your subconscious that you’re on board with the fact that YOU matter!

Because you do matter. Your gifts and what you are meant to share and do in this world matter.

I just want you to step into it because yes, you are worthy of it!

This is about challenging yourself to be honest and admit if you’re not okay with a job or career that doesn’t feed your soul. To take the next step into the unknown and tap into what makes you giggle.

To follow your heart and do what you love.

It doesn’t have to mean quitting your job tomorrow. This means setting the intention and taking the action to go after what you really, truly desire.

Don't be afraid to try things and experiment.

Be audacious about what you want and claim it!

I know stepping into the next adventure can be scary - the client I mentioned today certainly felt this way. It was a completely different way of operating for her, but she did it, and today, she is reaping the rewards in every way possible!

You can have that too.

So go out there, make those adjustments, and create the life you love! Then watch how the money will follow.

Breaking Free from Financial Expectations

julie@juliemurphy.com (Julie Murphy) — Tue, 25 Apr 2023 10:00:00 GMT

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What do you want to do with your money? It's a question that not many people ask themselves, yet it's crucial in creating a fulfilling life. Many of us have fallen into the trap of following the path that others have set for us, whether it's our parents, friends or society's expectations. However, to truly create a life that we desire, we must break free from these constraints and define what we want to do with our money.

Often in our pursuit of the life we desire, we may find ourselves on a path that resembles someone else's expectations for us.

At times, our desires may be overshadowed by the opinions and actions of others. Sometimes, having money makes it harder for us to create the life we truly desire. Joining the family business or marrying a partner approved by others can take precedence over our own ideas, especially if they do not align with popular opinions.

If you are reading this blog, it is likely that you are tired of settling for the financial status quo in your life. You may have spent time feeling lost, empty, and confused. You have money, which creates opportunities, but you are uncertain how to use it to live the life you desire. Alternatively, you may not be sure what that "ideal life" looks like, let alone how to achieve it.

As you know, it's not about the money you have, but what you do with it. The best investments you can make in life are those in yourself: your happiness, health, and passions. So, where do you begin making these investments?

If you're feeling lost and unsure of how to use your money to live the life you want, you're not alone. Here are some fun ideas and exercises to help you get started:

Think outside the box

Having money gives you the luxury of being more creative in your career choices. Don't feel like you have to do a job that doesn't appeal to you just to make ends meet. Instead, start asking open-ended questions about everyday things and push yourself to be as innovative as possible. Thinking outside "the box" can stimulate personal and professional growth.

Take a class

Take a class in something that interests you, not because your friends are going or because your mom thinks you should. Tapping into your creative side opens your mind to different possibilities and can even lead you down paths you never thought possible.

Do some soul searching

Take a trip down memory lane and recall your favorite childhood activity. Go through old photo albums and scrapbooks and write down all the different activities you were involved in. Then, use some innovative thinking to figure out how to recreate those past loves as an adult. What are you passionate about?

Be grateful

It's easy to focus on what we don't have and feel inadequate in one area of our life. However, it's important to shift our focus to the good people and things in our lives and be genuinely grateful for them. Being grateful for the abundance we already possess opens the door for more abundance to flood every area of our life.

Creating the life you desire is possible, but it requires hard work, sacrifice and dedication. You earned your money through these qualities, and now it's time to apply them to your personal life. Don't be afraid to try new things and cultivate creativity in every way you can. Remember, the best investments in life are the ones you make in yourself: your happiness, your health, and your passions.

Now, take the time to do the same in your personal life. Cultivate creativity in every way possible, do not shy away from trying new things, and be grateful even when you do not feel like it. Creating the life you desire is absolutely possible; you just have to choose it.

4 Easy Ways to Boost Your Cash Flow

julie@juliemurphy.com (Julie Murphy) — Tue, 18 Apr 2023 09:00:00 GMT

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If the idea of boosting your cash flow feels impossible or restrictive in any way, I’m here to show you today that no matter where you’re starting from, there are always ways in which you can build upon your wealth and what money you have coming in.

We delve deeper into this topic in my new online group coaching program IMPACT, which if you act fast, there is still time to sign up for here .

Today though, I want to offer you four easy and creative ways to boost your cash flow. The key is to shift your perspective and train the muscle of building an abundance mindset.

Regardless of your income or financial situation, you always have options. Today’s post will provide you with some ideas you can implement in your life starting right away!

1) Reduce Automatic Credit Card Billing

How many times have you entered your credit card details for a monthly or yearly subscription to a product or service? Perhaps you’ve even lost count?

This is the kind of thing we do on autopilot and often forget what we’ve signed up for! Yet, those automatic payments keep on renewing, the money goes out of the door, and for a service we don’t even use. Often for amounts such as $14.99 a month and it can go on for years without us being aware!

Your action step here is to go through every subscription payment that’s being taken out of your account. These include gym or fitness memberships, online courses, streaming services, other online services, and so on.

Take some time to go through all of these subscriptions and charges and put a stop to the ones you no longer use or that aren’t aligned with your current goals.

Imagine if you only stop two services at $14.99 a month - that’s saving you almost $30 a month! You can use this ‘New Found Money’ to fund another one of your financial intentions that works towards building the life you want to create.

2) Use Public Transportation

Even if giving up your car completely isn’t an option, it doesn’t mean that you have to use it every time you want to travel somewhere. An easy way to save money on fuel is to take more advantage of public transport for those shorter distances.

Or, you can choose to walk instead! You’re not only ticking the box of saving money but also getting in some extra exercise too.

Considering the rising cost of fuel and general car expenses, utilizing public transport can save you a substantial sum of money. All that is required here is a bit of extra planning. Plus, it can be a great way to see other parts of your neighborhood, listen to music, an audiobook, or a podcast you enjoy, and take some time out for yourself to relax!

Depending on your situation, you might also even consider letting go of your car in favor of public transport. This is a shift we’re seeing more, particularly for those who live in cities or towns and work from home. The benefits of saving money on fuel, tax, insurance, and car maintenance costs outweigh having access to the car, so see what option works best for you.

3) Assess Your Weekly Expenses

Your next challenge is to find ways to reduce your weekly expenses . We live in a world that bombards us with constant deals and offers and we also often swipe our credit or debit card without really thinking about what we’re choosing to buy and how it serves us.

When you take time to go through your account and look at exactly what you have going out every week, you will likely see that there are costs you can eliminate, reduce or find better alternatives for.

These expenses include food and drink, travel, dry cleaning, home maintenance costs, and so on. It can also include utilities, health insurance, and health-related expenses.

Think about where you could start to make easy tweaks and changes such as keeping track of your spending habits when you’re out. As an experiment, try writing down everything you’re spending money on and the amount. Then consider whether this is something that you truly need or desire, if it could be eliminated, or if there is a more cost-effective alternative.

Even simple actions can make a big difference such as grocery shopping with a list, eating at home or pre-preparing your lunch, being mindful of turning off the lights when you leave a room at home, and looking for better utility service deals.

You’ll perhaps find that you can save yourself a substantial amount per week even by making small changes that won’t drastically impact your quality of life.

Plus, when you get into this exercise and think of it like an abundance-seeking game , it becomes fun!

4) Give Yourself Weekly Pocket Money and Always Pay Cash

Sometimes it just takes simplifying things and going back to basics!

I have another challenge you can set yourself. After going through your weekly expenses and what you spend on a day-to-day basis, set yourself an amount and at the beginning of the week, take out cash. Think of this as your ‘pocket money’ and use that to fund your spending for the week.

Once that money is gone, it’s gone.

There’s something remarkably different about handing over cash instead of swiping a card. It taps into our emotions on a deeper level and creates a heightened awareness of what we’re spending our money on.

So give it a try! This method can also help you assess if the weekly amount you set yourself is truly realistic and where you can easily make savings.

These tips I’ve given you today are purposely ones you can implement or begin planning right away. This is what building that life you want to create is all about; taking action steps that align with your big dreams and goals and towards your life of Real Wealth!

Within my upcoming group coaching program IMPACT, we will explore these and many more ways to boost your cash flow. Plus I can help you tailor them to your personal situation and goals. So if you’re ready to make real, tangible changes in your financial life, personal life, and career, we begin on Tuesday, April 18th.

You can sign up here .

How to Use the PACT Process to Achieve Real Wealth

julie@juliemurphy.com (Julie Murphy) — Tue, 11 Apr 2023 09:00:00 GMT

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I couldn’t be more excited for my new online group coaching program IMPACT where I’m going to help you master your money and mindset! So today, I thought it would be a nice idea to give you some insight into the PACT Process; a framework that we’re going to thoroughly explore and work through during IMPACT.

The PACT Process is something I have personally crafted and successfully used with my clients for well over a decade. The reason is that the PACT process sees you redefine what wealth means to you. Yes, I’m talking Real Wealth here!

What Real Wealth means in your heart.

We explore how you have defined wealth in the past and how you would like to define it in the future so that every decision you make from this moment forward is empowered and aligned from this bigger-picture perspective. The beautiful thing about the PACT Process is that it takes into consideration how life is ever-evolving.

We need to allow ourselves to be onboard and feel ok with what is, and also be ok with what we want to create without negotiating ourselves away. So that ultimately, we can live life with no regrets. This is what I mean by Real Wealth!

Here is how the PACT Process is broken down:

P: Picturing the life you want to create

A: Accepting your reality

C: Choosing and committing to change

T: Take action!

P: Picturing the Life You Want to Create

Yep, this is where you finally allow yourself to dream the big dream! And when I say, big, I mean big! I also mean that you don’t place any filters or talk yourself out of what you truly desire. Creating a life of abundance and Real Wealth has to start with a clear vision and this part of the PACT Process is where you take time to visualize what you want that to look like.

You not only visualize it, but you then allow your physical body to follow. How does it feel to imagine yourself traveling or even living in that sunny destination, to be working in that job or business of your dream? Or being in that relationship that brings you joy on every level?

I’ll ask you again; how does that feel?

What are the colors you see within the visualization?

What are you doing on a day-to-day basis?

What are you wearing?

Who is around you?

I want to emphasize that this is where you leave what has happened in the past just there - in the past. Yes, there might be limited beliefs that need to be worked through but the rest of the PACT Process will help you find ways to release them.

This visualization part is also a fantastic way to identify those limited beliefs. You’ll know if they’re showing up if you find yourself quickly talking yourself out of what you dream about, or if you find numerous reasons why it can’t happen for you due to feelings of low self-worth, your background, or what has happened in your life previously.

For now, though, I encourage you to spend some time in your visualization. To get clarity and crystal-clear insight on your big dream. The reason why visualization is so powerful is that it directly reaches and impacts our subconscious minds, which fuels us in the direction of our thoughts and what we’re visualizing.

Pretty neat huh!

The more you do it, the clearer you become, and the more those signals are being reaffirmed to your subconscious.

A: Accepting Your Reality

Dreaming the dream is a crucial first step, but to move forward with your vision, it’s crucial that you accept the reality of your current situation.

Why? Because you will be unable to move forwards and shift any behaviors or habits that are keeping you in a current suffering cycle if you don’t accept the reality of where you are now, and what has got you here.

This part of PACT is usually where many people focus on finances. You can of course, in addition, apply this to other areas of your life including your career, health, and relationships.

Accepting your reality also means being conscious of staying neutral.

To accept it without any shame, blame, guilt, or judgment.

To see your finances there in black and white, and remain grounded as you are doing so.

The hardest part is usually just starting and where you might find the most resistance, so I encourage you to take deep breaths and know that where you are now has no impact on where you want to be. This is why understanding where you are right now is so important because it will also help define the action steps you take to move forwards.

An exercise I suggest if you do choose to focus on finances is to go through and write down what your financial picture currently looks like. This will include what is coming in and what is going out, your monthly and weekly expenses, and any debts you have .

Don’t leave any stone unturned!

I understand that there will likely be feelings that come up throughout this exercise, so be kind to yourself and take comfort in the fact that this Acceptance of Reality part is often the most challenging for many people.

But once it’s done, it’s done! Now it’s time to take the next step……..

C: Committing to Change

This part of the PACT Process will see you commit yourself to creawting changes in your life that align with your big dream.

You can think of this as cleansing away everything you dislike about your current situation. Imagine cleaning out your refrigerator and removing the old to make room for the new!

It could also mean decluttering your physical space or closet.

And of course, it can mean committing to releasing those old habits and behaviors that hijack your nervous system or keep you in a suffering cycle.

Close your eyes and let your mind explore the possibilities of releasing each of these items. Then say to yourself:

“I choose to ______,” with your newly chosen behaviors, intents, or thoughts.

Here are a few suggestions:

I choose to live within my means.

I choose to face my current financial reality.

I choose work that is in alignment with my soul.

I choose to nurture treasured relationships with my family.

I choose to save $100 a month.

I choose to believe and know that I deserve abundance.

I choose to spend 1 hour a day building my business.

This part of PACT also focuses on what needs to happen to bring these commitments to reality. These include heightening your awareness, rewiring your neural pathways, working through and releasing limited beliefs, opening your heart, and choosing to feel and experience as opposed to reacting or projecting.

It’s like being on a bridge and becoming aware of what must happen to get you to the other side.

T: Take Action

Yes, this is where you do just that - take action on your commitments!

This could look like restructuring your finances, spending and saving habits . It could also be self-examining how you’re operating within your relationships, career, and your approach to your wealth and retirement.

Ultimately, this step is about planting those seeds for the future you want to create and having a plan to keep building upon that memento. And of course, I’m aware that life will happen along the way and so PACT takes that into consideration. You are allowed to make tweaks and changes as you go, but the framework will help you stay on course and fully aligned to that big vision that you can - and deserve to experience on all levels!

Today, I’ve walked you through the PACT Process, and within IMPACT, a good portion of the course is dedicated to zoning in on each part. You’ll be given time to share your personal experience with bespoke feedback from me - and within the group, and I’ll be with you throughout all the practical exercises - that I also keep you accountable for!

So if you’re ready to finally live life on your terms, IMPACT begins on Tuesday 18th April and you can sign up here .

Let’s go get that life of Real Wealth!

How to Use Affirmations to make an IMPACT!

julie@juliemurphy.com (Julie Murphy) — Tue, 04 Apr 2023 19:46:11 GMT

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Affirmations are an incredible way to cultivate a positive narrative and begin to see your situation through a whole new lens. They can take you from operating on a low-energy vibration to one of empowerment.

They can also help you break down your limited beliefs and build a new, positive self-identity. The best thing about affirmations is that you can create them according to your own personal situation. You can design affirmations that align with the life you are on the path of creating, and the more you say these out loud, the more your neural pathways will begin to rewire and gradually, they become your new reality.

I love affirmations and have many that I use for my health, relationships, finances, and business. I’ve also used them for years to release buried emotions and beliefs from my physical body and nervous system, and they can be a profound way to create an entirely new narrative for yourself.

Speak it Out Loud and Feel the Shift

Like many of the tools I recommend, affirmations are most powerful when repeated. This is because when you speak them out loud and pause to really allow the vibration of those words to land within your body and mind, it can show when your energetic system and limbic system in your physical body aren’t in alignment with what you’re trying to say.

Many people are dismissive of affirmations and while I understand that not all the practices I recommend and share are for everyone, affirmations take time and have to be worked with. They can be used as a guide to better understand where your physical body and heart aren’t connecting.

Like everything, it’s a process.

Let’s take an example; if you use an affirmation such as ‘I deserve the best’, but after saying that out loud to yourself and really tuning into the vibration of the statement, you might feel like it doesn’t sit right in your body. You feel your nervous system contract and it just doesn’t quite feel authentic.

This is because, on a subconscious level, your thoughts, actions, and patterns have been in conflict with the affirmation of ‘I deserve the best’. You might have found yourself in toxic relationships, in a cycle of debt, or constantly giving to others and neglecting your own needs.

The way that affirmation feels when you begin to say it out loud is simply a sign that you’re disconnected from your body and what you want to create. So, you need to put the vibration out there and this comes with repetition! Each time you repeat the affirmation, it triggers something different. It gradually releases what needs to be moved and released and will begin to feel more aligned and authentic.

And because these new neural pathways are being rewired, your actions and behaviors will then begin to mirror the affirmation. You might begin to set new boundaries, take action on your financial situation and really begin to go after that life of Real Wealth you want to create!

If the emotional cause when you begin using your affirmations is anxiety and fear, this is an old, stagnant emotion that needs releasing. By verbalizing what you want to create and repeating this, you're allowing the clamps to be released.

After all, words are energy in motion! Feel them to shift them and come through to the other side!

Some Affirmations You Can Try

As I always like to offer practical tools here in these articles, I’d love to give you some inspiration for affirmations that you can use. Of course, feel free to tweak them as you wish!

I encourage you to repeat them 7 times when you wake up and before you go to sleep, but there’s no limitation on these! You can also do them more throughout the day.

I lovingly protect myself with thoughts of joy and peace.

The past is forgiven and forgotten.

I am free in this moment.

I am financially independent.

I am worthy of receiving all good things.

I am a money magnet.

I shall have the best life has to offer!

I am to obtain the best.

I deserve the best.

I am.

I share my feelings and my love and respond to love in everyone.

I am calling financial freedom into my life.

I stand ready for my soulmate to come into my life.

Rewire your Limbic System

Yes, it’s time to rewire that limbic system of yours!

These affirmation examples encompass your whole world and are communicating to your limbic system ‘Right now, you’re vibrating in the wrong direction and I need you to vibrate on this new level. Let’s go in a different direction!’

The more you repeat these affirmations and release the emotions they trigger, your cells on a physiological level begin to change.

Love yourself enough and I assure you, you will feel the shift!

My New Online Group Coaching Course IMPACT

On the note of creating shifts, since last year, I’ve been busy behind the scenes putting together something for you that I’m now ready (and thrilled!) to share…..

Get ready for IMPACT and become a money and heart-aligned mastermind!

Starting on Tuesday, April 18th, my new online group coaching course IMPACT unites the most effective and cutting-edge teachings and techniques that I’ve been crafting for over 25 years as a highly successful Financial Planner and Life Coach.

I’d love to invite you to be a part of that!

Over 6 weeks, you’ll meet with me and other like-minded individuals (the group is limited to just 22 spots) and I’m going to not only help you finally identify exactly what you want to create in all areas of your life, but I’m going to show you how to get there step-by-step.

IMPACT will see you:

Learn how to boost and manage your cash flows from a place of expansion - not restriction
Find ways to effectively communicate your authentic needs and get them met
Create new empowering agreements with your work, money, relationships, and yourself
Engage in and learn powerful, interactive exercises to expand your consciousness and vision of what's possible
Become a money, love, success, and opportunity magnet
Create space to allow expansion and attract new opportunities you never thought possible
Curb emotional spending and self-destructive patterns that prevent Real Wealth
Finally find, follow, and fund your passions with freedom!
Awaken your own authenticity and let your freak flag fly!

This is really just the tip of the iceberg and the course will also be full of exercises and assignments. Now, I do want to say that isn’t the type of course that is passive and where you just dip in and out. It’s one where we all get really stuck in and I’ll be keeping you accountable on all assignments.

This is because it’s the implementation of what you’re learning that will shift the energy and get you to the life of Real Wealth you deserve!

And rest assured, the space held is safe, brimming with kindness, support, and compassion - and we will have a whole lot of fun in the process! You’ll soon see, I’m ALL about unleashing your giggle (which I’ll be covering much more about within IMPACT!)

The course begins on Tuesday, April 18th and if you sign up now , you’ll receive 50% off the price. There are only 22 spots available so if you feel called to take this step, I encourage you to do so before the spaces go.

So, if you’re ready to rediscover your heart’s purpose, feel joy and freedom around your finances and understand what it takes to become a master manifester, you can sign up for IMPACT here .

I deeply look forward to seeing you there!

How to Create a New Financial Beginning

julie@juliemurphy.com (Julie Murphy) — Tue, 28 Mar 2023 10:00:00 GMT

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Are you feeling like the ‘same old same old’ is starting to feel……heavy?

If so, it’s time to create a new financial beginning for yourself! Now, it really doesn’t matter where you are starting from. What matters is that you get yourself energetically aligned financially and begin to create new choices that are planting the seeds for the life you want - and deserve to live!

I understand that this might feel a little overwhelming, so in this post today, I’m going to lay out all the tools you need to get started.

Perhaps you’re in a place where you know exactly how your cash flows. You might have already even received a pay rise or bonus and feel good about that extra money coming in! One of the positive outcomes of the pandemic is that it completely shifted our perception of what’s possible. People now feel more empowered and like they actually have choices.

Because they do - there are now more choices and possibilities available than ever!

It’s been fascinating to watch how employers are shifting how they are running their operations, workforces, and how they’re doing business in general. Hours have become more flexible, more employees have the flexibility to work from home and many employers have become aware of the ‘holistic’ and wellbeing side of business.

So, my question to you is: are you going to now choose your new beginnings and stay focused on what's really true for you? I have a hunch that if you’re reading this you've probably started to wake up a couple of things inside of yourself!

What I want to do today is challenge you. Yes, you know me - I love a challenge!

How to Set Up Your New Financial Beginning

Before you get that tax return, pay rise, bonus, or before you receive any of what I call ‘New Found Money’, instead of simply spending it in the present moment, use it to plant the seeds for tomorrow.

When I work with clients , I explain that there are 3 parts to setting up a new financial beginning.

These are:

1) Your financial past. This is your debts

2) Your financial present. This is the cash coming into your checking account and the cash going out. Think of this like your current cash flow.

3) Your financial future. This could be structured in short-term timelines such as emergencies, midterm timelines which are in-between, or long-term such as your retirement.

I have many videos on the components of these parts - and we really take time to drill down on each in my group coaching classes, but right now, I want you to decide what your new financial beginning looks like for you.

If you pay off your car this year, what do you usually do with that money? Or, if could be paying off your student loan. Using myself as an example, my eighth grader was recently accepted into a high school where I'm going to be saving around $1200 a month in tuition. So, for my new beginning, I need to decide what financial intentions that extra money is going to fund.

What many people tend to do is put any New Found Money in their present-moment bucket and spend it immediately. There isn’t anything wrong with this - it might fund a new experience or adventure that you desire at the current moment. At the same time, however, it might not fulfill your intention of cleaning up your financial past (your debts).

So, what’s important here is that you intentionally allocate your New Found Money to cleaning up your past while also living in the present moment, and planning for the future all at the same time.

Why do this? Well, it keeps your nervous system in neutral and it avoids triggering your ‘not enough’ or ‘I’m not worthy’ buttons.

You want to work towards building a financial infrastructure that makes you feel safe and avoids triggering any shame, blame, guilt, or judgment you have around money.

Cleaning Up My Own Financial Past

Let’s use my $1200 example. I will take $400 more per month to pay off my debts in the form of my mortgage and student loan. Although many believe these to be ‘good debts’, they’re still keeping me from living fully in the present moment. Therefore, I want to use a portion of this New Found Money towards getting those paid down!

I'm also going to allocate an extra $400 towards my mortgage payment because it’s a personal goal to have my mortgage paid off by the time my son graduates high school. Ideally, I wanted to have it paid off sooner, but life happened, including my divorce, which came with extra costs. Although I didn’t gain financially, what I did gain was emotional freedom. Therefore, as long as I know I’m intentionally still working towards paying off my mortgage, I feel safe despite the timeline changing.

Your Next Action Steps

So for you, I’d like you to take a look at what it is you want for your new financial beginning before your New Found Money comes to you. Choose to set your intentions and plant those seeds in the direction that you want to go!

If we don't shift where our money energy is going, nothing is going to change and you know that you deserve better. You deserve more and the key to powerful manifestation is by setting these intentions and planting the seeds for the future you want to create!

Don’t forget to come and join me at juliemurphy.com and if you feel like you want to delve even deeper into this work, you can purchase my new book The 4 Spiritual Laws of Money on Amazon .

Also, be sure to check out my new group coaching program called IMPACT! Enrollment is open till April 19th! Learn more here .

3 Ways to Manage Money and Feel Safe Around Spending

julie@juliemurphy.com (Julie Murphy) — Tue, 21 Mar 2023 10:00:00 GMT

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If you’re familiar with my work, you’ll know that telling people to go on a budget is not part of my process!

The reason is: budgets - even the use of the word itself, makes people feel constrained and trapped within a financial prison .

And (like most diets!), many budgets tend to fail as put in place unrealistic expectations and cause a pendulum swing effect, leading to overspending hangovers, and low self-worth.

Instead, I encourage people to reframe the idea of a budget. To make tweaks and changes to their saving and spending goals, which can be altered as they move along in their financial journey.

To feel good about what they are choosing to spend their money on.

To feel empowered and fully in control of how they are now able to take care of their financial past, present, and future all at the same time!

Here are 3 ways you can start to adopt these practices in your own life and get on the path to financial freedom.

1) Check Your Subscriptions

Those automated online subscriptions can be sneaky! Many are placed on auto-renewal and come out of your account without you even noticing and perhaps, not even using the service.

Examples of these can be courses, fitness or gym memberships, streaming services, and other online services.

I’d like you to spend some time going through your bank accounts and identifying which online subscriptions you have. Then, think about that service in terms of:

how often do you use it
does it get you further to a personal goal?
does it bring you joy and enhance your life?
could you easily let it go?

We are often subscribed to so many things that even choosing to let go of one or two creates extra funds to allocate toward something far more empowering.

Something that will get you to your ultimate goal.

It’s important that you shift your mindset and habits that align with creating a life where every good or service you spend money on, use, or consume enriches your life for the better and contributes to becoming your highest self.

And that doesn’t mean that things like Netflix have to go! If that makes you genuinely happy, keep it!

I hope by now, you know I’m all about creating joy in your life, not removing it!

2) Get Creative

We live in a world where convenience is everything and I fully understand that sometimes, convenience - and paying for that, can fulfill a personal intention.

But it’s often allowing habit to override this and spending money as an unconscious decision.

A personal example is that my kids love those egg bites you get at Starbucks. In fact, as a family, we love to take trips to Starbucks. It’s a nice way to create quality time with my children in a fun environment.

However, I noticed it was becoming a bit of a habit, which in turn, also makes the ritual less special.

Plus, by the time you add up the cost of those egg bites, plus drinks, that soon adds up!

So, I suggested we make our own version of the egg bites! The kids at first weren’t too on board, but once we all got in the kitchen, we had a blast putting together the ingredients and creating our own recipe.

The experience was far more nourishing and fun for everyone than going to Starbucks again.

Plus, it saved us money.

So I’d like you to think of how you can recreate those things or experiences that have become a habit and lead to unconscious spending.

A few examples could be:

- Instead of that weekly dinner out, invite friends to dinner at your place and suggest everyone bring a dish instead.

- Make a personalized gift for someone or create an experience for them that involves less spending than buying something fancy for the sake of it.

- Thinking about whether that tempting ’50% off on all food and drink on Tuesday’ (many coffee shops and restaurants do this), is actually, moving you closer to your personal goal.

The key phrase here is spending with intention. Think about every spending choice and try to tune out the noise of what ‘offers’ and ‘deals’ are being bombarded upon you. You’ll probably notice far more where you’re spending on auto-pilot and identify where much of that money can be freed up to allocate to other areas that align with the life you are choosing to create.

3) Learn to Hold Cash

When I work with people, I often observe a scarcity mindset around money that has been imprinted deep within the subconscious from a child.

The impact of this can often lead to spending money as soon as they have it. This is also why I encourage some people to use cash instead of credit or debit cards for their weekly spending.

The reason is that emotionally, it just lands differently when we hand over cash for a good, product, or service.

It’s incredible how spending cash triggers an emotional response, and how we’re far more conscious of our decisions! That cash will likely go much further and result in less spending than swiping on the card.

So I’d like you to try an experiment where you try the cash method yourself. In addition, see how holding a sum of money in your wallet or purse makes you feel. The amount doesn’t matter - whether it’s $5 or $50 (or whichever currency you work in), this is all about creating the energy of money abundance!

Your goal is to not spend that note and keep it in your purse/wallet as a symbol of that abundance. Not only does this raise your vibration, but it will make you feel empowered about being able to hold money and that doing so is safe.

See how you go with these 3 ideas and please don’t forget to come and join the vibrant community of people who just like you, are on the path to a life of Real Wealth!

And as a quick reminder, you can get your copy of my new book The 4 Spiritual Laws of Money here .

3 Habits to Achieve Real Wealth

julie@juliemurphy.com (Julie Murphy) — Tue, 14 Mar 2023 10:00:00 GMT

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Real Wealth is a phrase that I have created and encompasses what it means to achieve wealth on every level in life. This includes your finances, your health and wellness, your career, and your relationships and personal life.

Ultimately it means living a life of happiness and freedom, where you are in the driving seat!

You’re not relying on banks or debt instruments to fund your lifestyle.

You’re in a career, profession, or running a business that lights you up from the inside out.

You have healthy, nourishing relationships with energetically aligned people.

You take care of your health and this feels good and empowering.

That to me is the definition of Real Wealth and the essence of what I teach in my Julie Murphy work, including in my new book The 4 Spiritual Laws of Money .

But perhaps you’re reading this and thinking ‘Hmmm, well yeah, that’s all well and good Jules but I’m drowning in debt, I hate my job and I feel stagnant in my relationship. How do I go from that to Real Wealth? It feels so overwhelming!’

If this sounds like you, or even a part of it resonates, today I’m going to offer you 3 tips and habits you can start to incorporate into your life to get you on your way.

And I want to empower you to know that embarking on the path to Real Wealth is as much about the journey as the destination.

Yes, you get to experience it right now - if you choose to!

1. Reduce Debt and Plan for Your Future at the Same Time

Many financial planners often advise putting every spare dime you have to pay down your debt. I choose to take a different approach.

Why?

Well, because it feels far more expansive to pay down your debts, but also to be working towards your future short-term, mid-term, and long-term goals.

To build that big, bold, beautiful dream of yours right now!

To financially insulate yourself from the economy and things that inevitably crop up in life.

To do this, I encourage you to first accept the true reality of your financial life as it is right now. If you’re still resisting looking at your bank accounts and credit card statements, you’re choosing to plug into your past.

Until you get a really clear picture of your finances, you won’t be able to create momentum.

So take a deep breath and know that this is the first step to that life of Real Wealth.

When it comes to your income, I encourage you to allocate a portion to paying down your debt, a portion towards your short-term financial intentions, a portion towards your mid-term financial intentions, and then a portion towards your long-term vision.

All of these should be placed in separate bank accounts and automated so that you don’t have to think about it.

I talk far more extensively about this in my videos, and other blog posts and for those seeking additional personalized support , via coaching .

If this feels overwhelming, I get it! You can start small. The number isn’t the focus here. Even if you only have a dollar (or whichever currency you work with) to put towards each of those financial buckets every month, it’s the energy of intention that’s important here.

By actively participating in your own life of Real Wealth, where you don’t have to rely on the bank or credit cards, you’re saying to the universe or source ‘Hey, I’m ready to do this - let’s go!’

2. Seek Support to Help you Work Through Old Suffering Patterns

This part is again overlooked by many financial professionals in the field but money is incredibly energetic.

When we remain in our past negative patterns and operate on a low-level vibration, things will never change. Or, they might temporarily but then something will suffer along the way.

These habits have typically been created and cemented by the age of just 7 years old, so if you have any judgment about your patterns, please be compassionate with yourself. These are simply learned beliefs and behaviors and they can be broken.

It just takes building awareness and working with tools, teachers, and techniques to shed those layers of your past self.

Our patterns can also hijack how we set our intentions for what we truly want in life. When we set intentions from a place where we are not fully ourselves, due to negotiating ourselves away in some form, we get mixed results.

You have the power to undo that patterning, but I deeply encourage you to explore other modalities such as RTT and hypnotherapy . This can provide that energetic container to lift you out of any old negative conditioning and to see your life and your desires through a fresh, bright, and clear lens.

3. Real Wealth isn’t About the Hustle!

In my framework the PACT process, the T stands for Take Action.

However, this doesn’t mean doing so much that you lose sight of your authentic self and desires!

This can be challenging for many of us type-A personalities (yup, me included!). But once you are taking the necessary action steps to work through your finances and energetically align to your soul desires in those other pillars of your life, your job is to….

…..do nothing.

Yes - you heard that right!

Now that you’ve gotten an energetic upgrade to align with a higher vibration of yourself, and have taken the necessary action steps (that have hopefully become more joyful and empowering in the process!), there is nothing more to do and there is nothing to accomplish.

There is also nothing to be missed, my beautiful friend.

This part of your journey is about you becoming a human being, not a human doing.

We all have divine masculine and divine feminine energy. The masculine is the ‘doing’ side and the ‘being’ is the feminine side.

When we do this work with intention, and we shift energetically, the universe, God, the light (to me it’s all the same thing) is an energetic force that will rearrange your life and bring you opportunities to step into that alignment with your soul's path.

They might not come in the way you expected.

They might come packaged in a way that surprises you!

And there will be challenges and tests along the way that only exist to keep your nervous system neutral and to allow you to stay aligned with your big, overall goal and vision.

Your only job is to manage your energy daily with your 4 fold being: the mental, emotional, physical, and spiritual self. To keep that nervous system of yours neutral and boldly step into those beautiful synchronicities in life when they show up.

The journey to Real Wealth is also about self-discovery, and shedding those past layers to create physical and energetic space for the new you to evolve, bloom, and thrive!

My new book The 4 Spiritual Laws of Money explores this on a far deeper level, so if my work resonates and you feel called to, you can purchase your copy here .

The Path to Financial Independence

julie@juliemurphy.com (Julie Murphy) — Tue, 07 Mar 2023 11:00:00 GMT

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Today I want to talk to you about how the path to becoming financially independent will come with many tests and it certainly isn’t a linear journey!

It’s Not Just About the Money

Many people think that it’s simply about money. That it’s about staying within a strict ‘budget’ and taking all the ‘right’ actions financially.

The thing is, to be financially independent and to ride the sometimes bumpy path that comes along with that, we have to approach our money from a far more holistic perspective.

What does this look like?

The journey to financial independence means listening to your heart and then bringing in the smarts.

It means keeping your nervous system in neutral so that your physical body and state of health don’t suffer as a consequence of your financial choices.

It means paying attention to your inner self-talk and working on shifting any limited beliefs around money.

It means surrounding yourself with loving, positive, aligned, and healthy relationships.

Now, I don’t believe we can ever achieve a perfect balance of everything. There will always be one pillar of our lives that we’re paying more attention to and intention than others.

This could be your health, working through a relationship, or setting intentions and actions to change careers.

It could also be working towards financial freedom.

But ultimately, financial independence is about personal expansion.

What do I mean by Personal Expansion?

I’m so passionate about what I do because this is about so much more than money. When I work with clients, it’s incredible to see their soul and personal evolution blossom and to witness them making financial choices (and reaping the rewards of those choices!) that truly come from the heart.

To see them feel released from the constraints of a budget that never worked for them.

To see them choosing to unplug from what they feel they ‘should’ be doing in favor of trusting their inner wisdom.

To see them create space in their lives for expansion to occur.

(I talk a great deal about this in my new book, The 4 Spiritual Laws of Money if you’re curious to hear more about my framework.)

To be financially independent, it’s also about being patient and learning to take things in your stride. To choose to see the world through an observation lens. This is important because it provides you with a conscious response to the events of your life.

I want to remind each and every one of you reading this that the path to personal expansion and life of Real Wealth is not linear. And I know, this can drive that left brain of yours crazy!

Your ego mind will try with all its might to hijack you and steer you in another direction that puts you right back into the patterning that has created your life up to this point.

That could look like returning to debt instruments and within a financial suffering cycle, compromising your health, or engaging in toxic relationships.

When you fully dedicate yourself to this journey , let me assure you, it will never unfold as you thought it would! So you have to find peace by detaching from those outcomes.

Your only job is to set the intentions, but then release how they show up. We all get stuck in the “how” it is all going to happen, especially for those of us who might call ourselves somewhat of a ‘control freak’!

How do I know? Because I too have an incredible inner control freak. It’s an area I’ve had to work incredibly hard on releasing but when I do and when I’m open to how things show up, I’m rewarded every single time and often in ways that far surpass my expectations!

Give Yourself Grace

The key is to be easy on yourself. Allow yourself to be on that bridge and put the energy of what matches your desires out into the world. This is going to be tricky if you’re reacting instead of observing.

Think of it like flashing your inner lighthouse in alignment with your desire!

To help with this you can implement practices such as writing a letter to release what needs to be released in your life, or what needs to shift. I encourage you to then read it out loud or even burn it (safely of course!)

You could also create a personal altar to build up a personal energy vortex for what you want to create and attract into your life.

I know that most financial planners won’t tell you to engage in practices such as these, but they are what help to really move the needle with your finances and your journey to financial freedom!

My overall message and wish for you today is to embrace this path fully. To know that achieving financial independence where you’re living a life of joy on all levels, will come with its tests and challenges. Please trust that these only exist to steer you in the true direction of your desires.

I just want to add a huge thank you to those of you who have supported my work and already purchased a copy of my new book The 4 Spiritual Laws of Money! The response has been so rewarding! If you haven’t already, you can grab your copy here .

And don’t forget to join the community of like-minded people working towards Real Wealth on all levels. Let’s all ride this journey together!

The Universe Responds to Action

julie@juliemurphy.com (Julie Murphy) — Tue, 28 Feb 2023 11:00:00 GMT

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Today’s blog concludes our series by looking at the fourth Spiritual Law of Money. (As a quick reminder, if you haven’t got your copy of my new book The 4 Spiritual Laws of Money you can do so here )

Let’s recap the first three laws:

Now let’s look at the fourth Spiritual Law of Money: The Universe Responds to Action .

This is about you taking the steps forward to bring your desires and manifestations to fruition. The previous three laws address the spiritual, intellectual, and emotional parts of yourself but of course, change can’t occur without taking the action steps and bringing all your plans and dreams into creation!

Sometimes our downfall can be to focus solely on practices such as meditation, writing down lists and even reaching the stage where we can receive messages, hits, and guidance from the universe.

We can believe this will be enough.

These previous steps are hugely essential in our journey to Real Wealth, but this final law means taking the practical and tangible action steps to seed those intentions for our lives.

Manifestation is Like Nurturing a Plant

I’d like you to think of this like tending a plant. For it to grow, bloom and thrive, you have to water, weed, and cultivate it. It won’t do this without action on your part.

When you want something in life, you simply have to put some time and energy into it. The previous laws enable you to do this in a way that’s fully aligned with your soul and heart, and now this last step is what puts the skin in the game!

And look, I get it – we can all be prone to procrastination! Oftentimes a lack of doing comes from the fear and limited belief that we can’t do what we want to do and this creates a barrier.

But my hope for you now is that by understanding these four laws and seeing how they all beautifully flow into one another, you now have aligned your head and logical thinking left brain with your heart and have the inner confidence to move forwards.

This could look like this:

Getting crystal clear on your finances and setting up your new bank accounts, automated payments, and putting the credit card aside in favor of using cash for your purchases. Instead of swiping to fulfill an unmet emotional need, you are aligned in your spending and have actively made financial choices that support your short-term, mid-term, and long-term goals.
Sprucing up your CV and enrolling in a course or training that will further your skills in the career field you want to move into.
Seeing your current job as a bridge to the new business you want to build and meanwhile, setting aside an hour a day to get started on that business or venture!
Instead of relying on financial services again to pay for that car, you have a dedicated bank account to be able to pay cash when you want or need to purchase it.
Stepping away from a relationship that isn’t serving you.
Choosing not to plug into the influences that companies and society press upon us. (For example, it might seem like a good deal that you get 50% off your coffee on a Tuesday at Starbucks, but is that ‘deal’ aligned with your overall financial and life goals?)

It Only Takes Small Steps

To avoid overwhelm, this isn’t about taking huge leaps forward. Even if it is the minimal viable choice, a tiny baby step, it’s still a step forward!

So please don’t feel you have to do everything all at once. Take the action steps at a pace that feels good and right to you. All that counts is that you begin to create momentum, keep going and actively communicate to the universe that yes, you’re ready for that big dream of yours to come into existence!

Even if it doesn’t come today or tomorrow, when you know you’re taking the steps to make it happen, and trust that it will form in its own divine timing, it’s incredible how great you start to feel and how the most unexpected opportunities and people show up along the way to propel us that little bit further.

This is also when you’ll find that you’re able to manifest more money!

All that matters here is that you’re moving in the direction of your heart and soul. The more you do this, things start to shift faster and bigger leaps come, moving you forward to your new reality.

Reward Yourself!

Something important that will help you to continue that momentum is to reward yourself along the way when you reach a milestone or goal.

This is why when it comes to helping people turn around their financial lives , a big part of my process is to allow for those rewards and even have a savings fund dedicated to this.

Why? Well, it enables you to feel that sense of accomplishment and happiness to support you to keep going and to keep following the path that is meant for you.

It Isn’t About Ticking off a To-Do List

In this hustle culture we live in, it can be easy to feel like these action steps are something to be ‘tackled’ and bulldozed through.

In the past, without having the knowledge of the previous laws, you might have even started this action part first and approached them from your masculine energy. You might have pushed, competed, and plowed forward to get your way.

This is a one-way ticket to burnout and making decisions and action steps that don’t align with your highest self.

After all, we as humans only have so much capacity!

So now it is time for a different approach. Put down the to-do list and lean into your feminine energy.

This means tapping into and following your intuition. It means tuning into your inner knowing – even if that seems radical, completely out of the box, or doesn’t make sense!

It’s about choosing to go with the flow and allowing things to unfold as they will. This creates a beautiful pull energy that attracts the things you want, versus the push energy, which is the blocking, tackling, and ‘doing’ to make things happen.

It Takes Patience

If you’re someone who just likes to get things done and wants to see immediate results, I understand! It’s not easy for some of us A-type personalities!

But allowing yourself to drop into your heart center, feel connected, and use that approach to direct your life is what will create a sense of flow.

Where everything seems to just come together.

Where it feels enjoyable and from a place of ease.

When time seems to move effortlessly and you’re relishing the process along the way.

If what you are doing to action your desires is taking a huge amount of hard pushing, you are not in your flow, and then it’s perhaps time to ask yourself if what you’re doing and striving for is actually what you truly want and are meant for.

Experiencing this incredible peak flow means taking action but doing it so you’re mindful of uniting your head and heart.

This is the magic formula that encourages the universe to respond by helping you to easily travel your correct path. It’s about moving forward as the synchronicities of life align due to the first three Universal Laws of Money.

All you have to do is channel your energy in the direction of your flow!

It’s been such a joy to share these four laws with you over the past few weeks, but this is just the tip of the iceberg! In my book The 4 Spiritual Laws of Money , I go into a great deal more detail including real-life examples as well as exercises to help you create your life of Real Wealth.

If you feel called to, you can get your copy here .

Intention Redirects Energy

julie@juliemurphy.com (Julie Murphy) — Tue, 21 Feb 2023 11:00:00 GMT

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In today’s post, I want to touch upon the 3rd law from my new book ( out now !) The 4 Spiritual Laws of Money.

Intention Redirects Energy

To recap, the first 2 laws are:

Now it’s time to direct that energy of yours into what you want to create!

Let me ask you - where are you directing your energy?

This is about shifting your energy flow in alignment with your intentions. It also means accepting the reality of your current reality and taking the action steps to move forward towards your goals.

Towards that life of Real Wealth, you desire.

This could mean taking the time to create a clear picture of what your financial life looks like in terms of numbers. You now know exactly what you have coming in and going out and you’ve started to make adjustments that enable you to feel more positive about taking control and deciding to become financially free.

So now you’ve visualized what you want to create and manifest. You’ve peeled back some of those emotional layers to better understand your authenticity, you’ve woken up your heart and you’re building your financi al muscles .

This next law is about raising your vibration and using your intentions as a power tool to shift your energy.

This is what will create your new reality and where you’ll observe that all the synchronicities of life piece together even better than before!

You also can see them more clearly coming, now that you’ve set your intentions and tuned into your own awareness.

I want you to know that setting your intention to change isn’t always easy. After all, you’ve operated in a way that has become a learned behavior. Sometimes we just need to practice to get started in the right direction!

So take it one step at a time.

Like everything when it comes to creating change it’s all about building muscle.

A sign that you’re really shifting your energy is that you find yourself giggling more! You laugh often and life feels somehow brighter.

You notice that other people in your life begin to respond differently to this energy shift too. This is because you’re raising the vibration of the energy grid around you.

Yes, you have the power to do that! Imagine the impact if we were all aware of this 3rd law!

So how do you go about redirecting your energy?

Here are some ideas.

Express Gratitude

Expressing gratitude for where you are now and what you have around you is an instant way to raise your energy. Instead of thinking negatively about your job that you hate, see it as a bridge to the next step because you know you’re taking the aligned actions to move towards your dream career and job.

Try and find those parts of your current job that have served you well and prepared you for the next step – the next summit!

Work on Your Authentic Self

Tapping into your heart and breaking out of a situation that doesn’t serve you – such as stepping away from a toxic relationship, is an incredible way to raise your own energy and that of the energy grid around you. When you feel that weight off your shoulders and see the world and your situation through a brighter lens, the energy grid also responds accordingly.

Do things that make you Giggle!

One of the things that people often notice about me is that I love to laugh! I love to find the humor in things and tap into the childlike Julie!

When you laugh, it instantly raises your energy. You feel lighter and brighter, and when you return to a situation that might be challenging, you can somehow see it from a new perspective.

Finding your giggle actually enables you to then understand what you need to do to shift that situation and bring your manifestations into reality .

Take Care of Your Physical Self

If you’re neglecting your health and physical self-care, your energy is going to respond accordingly. Numbing out with junk food, alcohol and things that don’t make you feel your best on a physical level brings you down and impacts your brain chemistry.

Having the intention to optimize your physical health doesn’t have to mean radical changes. It simply means opting for healthier alternatives, moving your body, hydrating, and again, redirecting your energy towards what healthy looks and feels like to you and then taking the actions that align with that.

Stay in your Own Energy Lane

What if you choose not to stay in your own energy lane? Let’s say a work colleague who is being judgmental and angry triggers you because they are coming from a different perspective or opinion than what you believe to be true.

When you respond or retaliate to this, you’re immediately going to lower your vibration to that level. As you do when you choose to plug into suffering, engage in gossip or surround yourself with people who place external blame and constantly complain about their debt and the financial economy.

When you join them in that energetic exchange, you shift to their lower vibration and you’ve darkened or lowered the overall energy grid.

Staying in your own lane means choosing not to react. It means actively and consciously choosing to stay firm in the direction of what you want to create and showing up in your full authenticity.

It also means seeking out more of those environments, people, and situations that align with this heightened state of energy.

It means tapping into the energy of love.

It means awakening and reviving the energy of your heart and constantly moving toward your passions, values, and purpose.

It means always being intentional and moving in the direction of Real Wealth.

This coming week, I’d love you to play around with this 3rd law – Intention Redirects Energy. Notice what changes you can create and really have fun with it!

If you’re ready to go even deeper, you can get your copy of my book The 4 Spiritual Laws of Money here .

The Heart is Stronger Than the Brain

julie@juliemurphy.com (Julie Murphy) — Tue, 14 Feb 2023 10:00:00 GMT

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I mentioned last week that my third book The 4 Spiritual Laws of Money has now been released and as the response was so positive to that blog post, I thought it would be a nice idea today, to touch upon the second key law; The Heart is Stronger Than the Brain.

If you’re familiar with my work, well, you’ll know I’m not exactly like many other financial professionals in the industry! Throughout my extensive experience in the area of money though, I understand that to create real, sustainable wealth, it’s your heart that must lead the way.

I might be a disruptor and do things differently, but this is what gets my clients the results they desire in a way that brings them happiness as they walk the journey to financial freedom.

You might be thinking ‘But Julie, that’s crazy! Surely getting out of debt and building wealth is about making the smartest financial decisions?’

Now, of course, leading with our hearts doesn’t mean flying by the seat of our pants, impulse purchasing, and burying our heads in the sand when it comes to debt or engaging in financial patterns that sabotage us. It’s about tapping into our hearts and understanding that the power of the human heart and its wisdom is what is meant to be the leader of our life.

As I always say, start with your heart and then add your smarts!

Are you Connected to your Heart?

In my last post, I dove into the first law; manifestation begins with heart-centered desire. The second law is now about taking a deeper look into where you are with your heart as opposed to your head.

It’s about finding self-acceptance.

It’s about recognizing your abilities without judgment.

It’s about understanding that your brain and ego do not get the final say in who you are.

It’s about tapping into your real, raw authentic self.

We hear so much about being authentic but what exactly does this mean?

Allow me to share a quote from the book:

"Authenticity is being true to one’s heart, personality, spirit, or character. Authenticity is knowing who you are in your heart and having the courage to allow this version of yourself to rise to the surface and be in tune with what makes your soul happy.”

So many people (and me included - I still have to check myself on this!) lead with their brain, but I was fascinated to learn that it’s being proven by Quantum Science that the magnetic force of the human heart stretches for a span of 8 miles.

And the magnetic force of the brain - well, this only stretches for 2 miles.

That in itself illustrates the sheer power of the heart and how we don’t factor it into enough when it comes to how we choose to live our life.

Remember, YOU are the creator of your life and your heart will guide you to show up for it as your most authentic self. The self that is willing to peel back the emotional layers to better understand and increase awareness of your patterning around money - and to shift it if it isn’t serving you.

Leading with your heart also allows you to access that inner giggle that you perhaps haven’t felt for what feels like a lifetime! It allows you to have fun!

Living Authentically Will Guide Your Success

Finding the courage to do what you want to do in life - and what you really want to do - not what you believe you ‘should’ be doing, will only come by living and showing up in this world authentically. This is why your heart will always be the ultimate driver of your success.

I’ve seen it countless times. When you decide to finally choose yourself, in all your truth and authenticity, the shifts are profound. Everything rises up and increases - more money, more love, and way more happiness come into existence.

This is when you begin to feel more alive, more vibrant than ever before!

When it comes to money, and where you start making practical changes that align with the life you want to create, it doesn’t feel like a sacrifice, it feels pleasurable.

And you begin to notice that more money shows up!

More joy shows up.

More opportunities show up.

More people who share and support your vision and goals show up.

Learning to Trust Yourself

This second spiritual truth requires you to find your center as well as regain a sense of those parts of yourself that you might have lost along the way - or completely neglected.

It also means finding your giggle and beating to the tune of your own drum. Your heart is where you’ll find the courage to step away from the people, situations, and patterns that have perpetuated any suffering cycles you might have found yourself in as a result of leading your life entirely with your logical brain.

Now, as I mentioned earlier, this law doesn’t mean the brain won’t have input. It just means that it won’t be the driving force or the loudest voice in the decision-making process.

When you merge the two in harmony with one another - and with your heart leading the way, it puts you in a place of true power. It helps you to understand that actually, you don’t have to plug into the world in the way you’ve been taught you should or felt you had to to keep up with peers, friends, family, or colleagues.

This knowing, trusting, acceptance, and allowance also creates the space you have perhaps desperately needed to discover the energy - without resistance, to manifest your dreams! To raise the energy grid of the collective and see this ripple into your world in the most extraordinary of ways.

Finally, you can have the energy to focus on yourself and bring to fruition all the things you want to create - more money (and making it in a way that makes you happy), more fulfilled relationships, and more vibrant health.

It feels so empowering!

Leading with Your Heart Avoids Reacting in the Moment

When you learn to tune into your heart and take note of its wisdom and what it's communicating with you, you actually make much smarter decisions, and ones that fully align with the life you are creating for yourself.

In the past, you might have made a decision or responded to a situation with a knee-jerk or nervous reaction. This might have been in the form of making an investment based on what’s trending for the short-term gain - but one that deep down you’re really not sure about, or getting further into debt to account for an impulse spend that shortly after leads to a spending hangover.

When you tap in and get grounded, you can finally breathe and feel those emotions you need to feel to make the right decision - for you, and release them.

The only way to step into your new reality is through all those messy emotions you’ve not been able or willing to feel up to this point in your life and it’s only through listening to your heart and letting it guide you that you can do this.

I’ve had my own journey on this one. It took time for me to release that left, logical, smart brain of mine that wanted to understand and figure it all out so I had all the answers! Now, I live my life in a way that I choose not to subscribe to another distraction that prevents me from living a life that I absolutely love.

I just desire to fully embrace and embody what my soul came here to do. As a result, I’ve created a life that goes beyond what I could have ever hoped and dreamed for myself as a child!

So, let me conclude this post today by asking you, where are you allowing yourself - your true, beautiful, authentic self to be left on the sidelines?

Where are you not listening to what that wise heart is telling you? What would you be doing differently if you were to surrender and tune in?

Take some time this week to consider this. Put pen to paper if you need to and write down everything that comes to you when asking yourself the question. Keep allowing yourself to feel the feelings of your reality to create more space for your new reality, where you’re brave enough to take this shift in approach.

I assure you, the rewards, joy, giggles, and manifestations will make Quantum leaps when you do!

Thank you to everyone who has shown such immense support for the release of my book "The 4 Spiritual Laws of Money". And if you’re ready to dive right in and be guided to a life of Real Wealth, you can get your copy here .

Manifestation Begins with Desire

julie@juliemurphy.com (Julie Murphy) — Tue, 07 Feb 2023 11:00:00 GMT

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To celebrate the launch of my new book The 4 Spiritual Laws of Money , I thought it would be a nice idea to touch upon one of the key laws. This will offer you a taste of what you can expect from the book, and give you some practical tools you can begin to put to use today!

Manifestation Begins with Desire

Manifestation Begins with Desire is the first law I discuss. There are so many ways you can begin or develop your own manifestation journey, but being bold enough to dream the real, authentic dream is your best starting point.

It’s also where you get to let go and have fun!

Have you ever really desired something in your heart, but then found all kinds of reasons why that couldn’t be true for you? Do you edit your visions to accommodate societal norms, and expectations from friends, family, bosses, and co-workers?

Do you let your own limited beliefs sabotage your dream?

Do you let that logical left brain of yours get in the way?

It’s something that many of us do but we simply have to be bold enough to claim the vision that is truly authentic to what we really desire.

You then need to hold that vision of what you desire and one of the best ways to do this is through visualization.

What is Visualization?

Visualization is the ability to piece together in your mind pictures of your intentions. This is about building a clear image of what you want to create in your life. If you desire a new dream job, your visualization could include you sitting in your new office and taking yourself through your work day imagining all the tasks you do in that dream job, imagining what your co-workers are like.

Think of this like creating a movie in your mind that perfectly captures your desire!

We mustn’t underestimate the power of visualization. You tune into a new, altered frequency in your brain with these thoughts. In fact, research has shown that brain frequency is the starting point for manifesting your reality!

Look at what you really desire in your heart. Let your heart guide you. Don’t overthink it or talk yourself out of it. Don’t negotiate yourself away from your dream life.

Avoid thinking in terms of what can and cannot be done or allow your ego to put limits on yourself. I want to empower you to understand that your potential is limitless if you really commit to the process!

Your Financial Desires

When it comes to amping up your visualization for the wealth you want to create and allowing your financial desires to become crystal clear, what do you want to manifest financially?

To help with this, you can ask yourself some questions to form a strong picture of what you want to create.

As I mention in the book, think of this like a brainstorming session to vocalize your ideas. You can either do this in the mental visualization process itself or put pen to paper.

This is about whatever helps you tune in.

Here are some ideas to get you started:

If you have debt, what do you think about it and your financial past?

If you are in debt, are you tired of it?

Would you really like to find a way to eliminate debt, without feeling like you’re shackled to strict limitations or budgets?

How would it make you feel to not have any debt?

Do you desire a refreshed relationship with money? If so, what does that new relationship look and feel like? How does money make you feel?

When you buy your go-to products and services, what primary emotion or set of emotions do you feel at the exact moment?

What specific words/phrases are you using as self-talk in your head? What story are you telling yourself?

Our relationship with money is incredibly intertwined with all the other key pillars of our life and so brainstorming questions surrounding these areas can also be a fantastic way to build upon that clear, colorful picture!

If you had more unstructured time, what would you be doing? (Not what you feel you ’should’ be doing!)

What is your dream vacation? Why haven’t you taken it yet? Would you like to change that?

What things are you drawn to watch on YouTube that lift you into expansion and possibility?

What people in your life fuel what you want to create?

Is there a part of your life where you’d like to come from a place of more empowerment?

Are you looking for a new relationship?

If you are already in one, how do you feel when you are together? Is it your ideal partnership?

These questions can also spur ideas for your own ones so feel free to really dig deep here and spend some quality time on this part of the process.

Hold Your Vision

It’s incredibly important once you have that strong picture in your mind to stay focused on your unedited and authentic vision.

The one that makes you excited and spurs the giggle that you haven’t experienced in what might feel like a lifetime!

You now need to focus on what you want to create instead of the problems of getting there or the ones you already have. The Law of Attraction states that you attract to you what you focus your energy and vibration on.

Your visualization enables you to raise your vibration so that you’re matching the frequency that ignites the entire manifestation process, and that’s why this part of the process is so crucial.

You get to decide where you want to go, and Source decides the method to get you there.

This is where you have to let go and trust. Commit to detaching from what you have always known as the one and only way to do things or achieve complex tasks or goals.

Release Your Old Beliefs

To spur the manifestation process into action, you must be prepared to release some of what you have been taught. No matter how far removed your true desire is from your current reality, you have to let go of ‘how’ it will manifest and believe and trust that all will align and show up.

Instead, focus on what you can control and trust that the opportunities will come! I assure you, they will once you commit!

The next step of course is in the action, which I walk you through in Th e 4 Spiritual Laws of Money .

For today though, let’s stay focused on the dream and the visualization piece. The more time you spend dropping into that and fine-tuning what you want to create using those brainstorming questions, the more you are communicating that with the universe and Source.

As I say in Chapter 1 of The 4 Spiritual Laws of Money, this process is about allowing yourself to take quantum leaps in your life so you can avoid life crises situations that eventually appear and are your soul’s push for you to align with your heart.

You are truly limitless and regardless of what you’ve learned since childhood or what society has taught you, YOU are the creator of your life and you deserve to boldly claim what’s yours!

Today, my friend marks the start of your journey!

And if you’re ready to take the next steps, you can get your copy of The 4 Spiritual Laws of Money for $0.99 here .

The 4 Spiritual Laws of Money is Here

julie@juliemurphy.com (Julie Murphy) — Tue, 31 Jan 2023 11:00:00 GMT

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This week I’m incredibly excited to share some big news with you! My third book, the 4 Spiritual Laws of Money, is released today!

Like how I approach all matters of life - financial, personal, health, and my relationships, this book came from inner guidance and certainly wasn’t the ‘perfect’ time for me to write it in terms of what events were occurring in my life. If you’re familiar with my work , you’ll know I’ve been guided to step into the unknown, despite my highly educated brain saying “Are you nuts?”

But I knew the insights in this book had to be shared with the world. When I’m in flow and the concepts come flooding in, I know I’m onto a good thing! And I’m extremely proud of the end product.

The Human Side of Money

I’ve been a financial planner for over 25 years and have run my own financial business since I was 22 years old. As time has gone on, through working with hundreds of clients and going deep on my own spiritual journey, I’ve realized that our financial system has forgotten that we are human. We’re Fourfold Beings that require attention to the physical, mental, spiritual, and emotional.

Yet when it comes to our money, so many of us neglect this. We’ve built such great financial products and education based on left-brain-logical analytics, but when it came down to it, we dehumanized finance.

The former producer of Oprah radio, John St. Augustine had me on his podcast called life 2.0 last month. He introduced me by saying….

“The Best Educator when it comes to Money”.

He said no one teaches what I teach about money; the emotional and spiritual peace, and that I approached things in a different way.

This is because way back in my career, I began to ask how we can bring humanity back into finance.

I’ve always said, we work things out or we act them out with our money, our relationships, and our health.

Create Your New Reality!

The 4 Spiritual Laws of Money taps deeper into this concept than ever before. It enables you - the reader, the opportunity to create a reality that feeds you on every level of your being, fiscally, emotionally, spiritually, physically, and mentally.

It’s a level of wholeness that you have been searching for.

It will allow you to really tune into your true, authentic desires and learn how to integrate building your financial muscles in a way that nourishes your soul, shifts your old patterning , and helps you look at your current situation from an entirely new and empowering perspective.

What I’ve observed in my work is that so many people approach their life and money in a way that doesn’t provide sustainable fuel for happiness, joy, and peace in their life.

This is because they have neglected to bring their heart along for the journey and understood that all the fuel they need to live a life they love - a life of Real Wealth comes from the inside.

The 4 Spiritual Laws of Money will help you to peel back those layers of emotion, get what I like to call ‘spiritually naked’, and see that that big, beautiful heart of yours is what will lead the charge into your new life, your new reality and one that you’ve always dreamed of having.

Throughout the chapters, I will guide you - and most importantly, provide you with my most advanced actionable tools and techniques to allow you to open up to a new way of being and plugging into the world led by your heart and soul.

To approach debt with a completely new and empowered mindset.

To organize your finances in a way that addresses your past, present, and future all at the same time.

To create quantum leaps in your life in manifestations!

After all, if you choose the path you’ve already taken, you will only get more of what you already have created!

How You Choose to Plug into the World Matters

This book was a way for me to help you understand what actually makes the world tick at its core, and the foundational principles that can create those profound shifts in your life that you never thought would be possible. And how you most efficiently plug into them.

What else can you expect?

Well, it offers you a basis to start from that can give you results in your life that are so profound, you’ll wonder why it took you so long to get here!

As I said earlier, it wasn’t the perfect timing to write this third book. I was going through a divorce, the pandemic had hit and I was part-time home-schooling my 6-, 8-, 10-, and 12-year-olds. As well as running my business and ensuring my employees were taken care of.

But I knew despite all this, the timing was perfect. In fact, In 2015 I shared this quote by the Dalai Lama on Facebook and it just showed up in my memories earlier this month.

“There are only two days in the year that nothing can be done. One is called Yesterday and the other is called Tomorrow. Today is the right day to Love, Believe, Do and mostly Live.”

I didn’t even realize I had seen this quote before when I chose it for the beginning of the 4 Spiritual Laws of Money.

This is synchronicity and perfect timing truly at play!

So know that your timing reading this now is perfect. With the 4 Spiritual Laws of Money , you’ll see that you are deserving to go out and grab 100% of all your heart desires!

I’ll conclude today’s blog by sharing that I had no idea when a friend of mine chose to put the cover of my second book ‘The Emotion Behind Money’ on the screens in Times Square, and that I’d be here 14 years later publishing my third book!

I’m so grateful to be able to now unleash it to the world.

The 4 Spiritual Laws of Money is out today and for a limited time only, you can order your copy here on Amazon Kindle for $0.99 .

It was such a joy to write and however you came to be here, reading this now, I’m so grateful for your support in my work!

Money Is Energy - Change Your Budgeting Habits In 2023

julie@juliemurphy.com (Julie Murphy) — Tue, 24 Jan 2023 11:00:00 GMT

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If you’re ready to make financial changes in your life this year, it’s crucial that you address not only the practical side of how you manage your money but the emotional too.

In this article, I’m going to share some key tips on growing your financial wealth and how to improve your cash flow from a place of financial empowerment - no matter where you’re starting from.

Understand That Money Is Energy

Absolutely everything is energy. Our thoughts, words, actions, our physical bodies - everything. This has been proven by Quantum science and it’s at the heart of how I teach and what leads to real wealth financially and emotionally. You can hear me talk more about this on my YouTube channel .

From my extensive work with hundreds of clients with greatly varying financial situations, it’s usually not useful to head straight into a heavy assessment of their budgeting habits and draw up a fancy spreadsheet from the get-go. We have to delve far deeper in order to make those desired tangible changes.

How Does the Word ‘Budget’ Make You Feel?

When you think about the word ‘budget’, really tune in and notice how it makes you feel. Does it deflate you and make you feel restricted? If so you’re certainly not alone. The pattern I generally see is that most people feel limited and disempowered. It’s similar to going on a strict diet where all your favorite treats are suddenly forbidden and 3 weeks later you’re devouring an entire packet of Oreos!

That feeling and energy of restriction often has a snap-back effect and regardless of whether you make $40K or $600K annually, it’s the same emotional patterning when it comes to how you handle your cash flow.

Budgets in the traditional sense can only serve to fuel this feeling and debt instruments implemented by the financial industry certainly haven’t helped, making us feel like we’re shackled to the system.

It’s time to reclaim your power! So, let’s start by removing the word ‘budget’ from our vocabulary and think about it in a different way.

We need to shift our thoughts, words, and feelings around the cash that gets deposited into our accounts and what is going out. Again, the amount is insignificant as it’s all about the energy that you approach it from that will really move the needle on improving your cash flow.

How Do You Want Your Money to Flow?

Think about how you want your money to flow. How do you want to feel about what you have coming in and then what’s going out? Perhaps you want more visibility on it, be more conscious about where it’s going, to feel good about where you’re choosing to spend or save your money as opposed to it being a little haphazard and unplanned?

To do this though, you need to get grounded. Maybe you’re experiencing a spending hangover, which is totally common at this time of year. So please don’t judge yourself in any way. The only thing you can do is come from a place of empowerment based on your financial reality right now . It’s important that you acknowledge and accept where you are and how your past financial choices have led you to this point.

Write Down Your Outgoings

I’d like you to write down all your outgoings and where your payments go. Check all your direct debits, standing orders, credit cards, day to day expenses, and subscriptions to ensure nothing is missed. Then I want you to look down the list.

What one choice do you no longer resonate with? Is there an outgoing that doesn’t feel like a safe container? Is there something that’s triggering shame, blame, guilt, or judgment, or just an underlying sense of unease?

You can then consider if that expense can be eliminated or if there’s a better alternative. For example, if you know your cable bill is more than what you truly feel comfortable with, changing to a streaming service could get you the same benefit at a fraction of the cost. How would it make you feel to then be able to use the saving every month towards something that’s fully aligned?

Keep working down the list to see if you can make more of these tweaks and changes.

Create Financial Intentions

What are your goals for your finances? Where do you want to contribute more of your money? Name the financial intention, for example, ‘My Rich Retirement’. Most banks now enable you to name your online accounts and I assure you when you see that new account building up, it’s only going to create more of those feel-good emotions, generating a ripple effect on other parts of your finances and life too.

By taking this new approach, you are choosing how your cash flows from a place of self-love, worth and alignment. It’s an opportunity to redesign your cash flow according to what truly speaks to your heart and soul. This is the essence of building your wealth from the inside out.

How to Create A Life of Financial Freedom

julie@juliemurphy.com (Julie Murphy) — Tue, 17 Jan 2023 11:00:00 GMT

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Let me ask you: what are you choosing to focus on?

What are you choosing to energize?

So often I work with clients plus observe that many of us (yes, including me - we’re all human here!) choose to focus on the energy of what we don’t want. We stay in a victim mentality and subscribe to the story that the economy, the government, our boss, co-workers, and everyone outside of us are stopping us from creating the life we want to live.

It’s All About Awareness

This is about heightening your awareness. Pay attention to those stories, to those limited beliefs that keep you in your suffering patterns.

Shine a light on those patterns and stories.

Trust me, it’s eye-opening!

Remember, we as human beings either act things out or work them out, either through our money, our relationships, or our health.

When it comes to finances, I’d like you to think about this as becoming financially naked ! Peeling back those layers and your intentions for your financial life this year.

Getting Financially Naked!

Regardless of where you are on your financial journey, the crucial thing here is your approach to creating a life of freedom and Real Wealth. You might not be aware but wherever you are, you have 6 financial buckets and today, I’d like to go through what these buckets are and how you can start to build upon each one.

Let’s first look at your money from three arenas:

- Your Financial Past

- Your Finances in the Present Moment

- Your Finances in the Future

Your financial past is your debts. It’s the choices you made in the past, that you need to pay for today. This usually comes in the form of dipping into resources from your current cash inflows to pay off those debts.

I’d like you to think about this energetically. Money is energy. So, your money energy today needs to pay for yesterday, giving you less flexibility in the present moment.

The only thing it offers you is a lack of freedom to live today, the way you may be guided to do so.

Do you want that for yourself? Yes, you might have reasons for your debts, but let’s now shift that energy to stepping into self-empowerment. Instead, choose the freedom to live the way you want - the way your soul is guiding you to live!

Which do you desire more: feeling short-term gratification with your spending OR do you prefer to have more flexibility and freedom as your life evolves?

This is what I mean by having a heightened level of awareness.

Money in the Present Moment

The second bucket is your money in the present moment. This is how your cash flows and what comes in and goes out every month. Now, many financial planners would use the word ‘budget’ here, but I choose to take a different, more empowering approach .

Having a budget for most people feels limited, so this is about you choosing to decide how you want your energy and money to flow.

To do this, you need to have an easy way for yourself to map out your weekly or monthly expenses. No daunting, fancy excel sheets are needed! Putting pen to paper works just as well here.

The key is to create awareness of how your money is flowing and then choose how you want to tweak and change it to flow in the way you desire.

Your Financial Future

Your financial flow and living in the present moment, are planting the seeds for your third bucket your future. Your intentions for that life of choice, possibility, and abundance cannot grow if you don’t plant and nurture the seeds for what you want to create .

Breaking it Down Further

Financially speaking, it’s also important to break this down into three additional timelines and buckets:

- Your Short-Term Goals

- Your Mid-Term Goals

- Your Long-Term Goals

Your short-term goals are for those seeds you want to plant for money that you will want or need within a year or two.

Your mid-term goals are 1–10-year goals.

And long-term, are those 10 years plus goals.

I’d encourage you to spend some time thinking about your financial goals from these timeline perspectives. Then you can consider if you are funding the correct number of seeds to hit those goals.

Often when we are first rearranging our money in this way, we may not have enough cash flow to fully fund them all. But remember, money is energy and even if it’s $1 (or whatever currency you are working with), that’s still planting the seed! That’s still hitting your goal of energizing what you want to create.

My intention with this blog post today is to enable you to see your money not from a place of scarcity, but from a fresh and empowering perspective. To view it through a different, more colorful, and yes - an exciting lens! For you to see the possibilities you have and choose to make different decisions based on the options you’d like to explore.

To see this shift in your financial thinking and planning as an adventure .

By operating this way with your money, it keeps your nervous system neutral. It prevents it from getting hijacked so that you can focus your energy on being in the driving seat all the way. To know that you and only you have control here - not the banks, not your job or boss, and not the economy and what’s happening within it.

YOU are the creator of your life so keep that awareness high and your energy aligned and just watch those quantum leaps occur!

If you enjoyed this post and found it useful, I’d love for you to share it on social media, and please don’t forget to join my community where I share free weekly resources, videos, and tips on creating your life of Real Wealth!

3 Tips to Stay Budget Conscious

julie@juliemurphy.com (Julie Murphy) — Tue, 10 Jan 2023 11:00:00 GMT

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If you’re constantly questioning how to stay in a budget and hate the process, and are therefore struggling to manage your cash flow, today I want to talk to you about a different and fresh approach.

One that feels expansive, empowering and safe.

One that can even feel fun - yes, fun!

If it really doesn’t feel natural to you to write down your income and expenses and instead, you do so by force only to feel guilt, shame and judgment about your spending and saving choices, let’s reframe how to do this - without needing to budget in the way you’re used to thinking about it.

This approach is what I call ‘backdooring your budget’.

I want you to know that the negative feelings and emotions coming up with your money actually have nothing to do with your budget. It’s all associated with the unfelt emotions you experienced as a child that are now manifesting in the form of how you allocate your money.

So, let’s look at shifting and reframing that.

Shift How You Talk About Your Money

For most people I work with and know, the word budget and asking how to stay within a budget feels like a locked container. After all, who feels good about going on a budget?!

Instead, you’re now going to say how do I want my cash to flow ? This small tweak shifts you from a place of restriction, to getting to choose what you do with your life.

And I appreciate, you might say that there are so many external factors that control your finances and what you have available to you - the government, interest rates, the economy…..

But instead of saying ‘I can’t control’, let’s step into the story of expansion .

You always have a choice about what story you subscribe to. So let’s step out of the victim mentality because whilst in that, you will continue to stay in the suffering cycle.

So many times with clients, I’ve observed that they felt they couldn’t stay in budget or save money, yet when they desired to purchase a home or get married, they found the money every single time. Why? Because they stepped into their power!

Choose to Make Decisions that Align with Your Desires

This is about making different choices and doing this with full awareness of the life you want to create and what you want it to be filled with.

When we’re not paying attention and on autopilot, the simple fact is, we don’t choose our lives. Backdooring your budget means owning who you are and not choosing to do a traditional budget but instead, choosing to manage your finances in a way that is aligned to that life you truly desire.

All you have to do is ensure you don’t build up debt and plug into more scarcity in the process. Creating debt means that the bank controls your life as opposed to you being in the driving seat. I have many videos, tips and resources on ways to manage debt and regain your freedom.

The Practical Way to Backdoor Your Budget

Let’s look at an example. I’d like you to think about what you want to create in your life such as a change in career or job. Well, you need to establish how much you can earn in your new career and then meanwhile, slowly but surely, pull yourself back into the lifestyle that you need to make it happen by giving yourself slightly less each month to spend.

You don’t need to budget to do this, which immediately releases the burden of showing up where you believe you have to show up in terms of your financials.

Now, having full awareness is good and it can be incredibly wise to write down where your money is going - but from a place of pure neutrality. No guilt, shame, blame or judgment here!

This is about looking at your spending and choosing where you want your money to go.

This method creates a safe container to reduce what you give yourself to spend monthly, and can support how you naturally operate. It means that you never have to fret again about how to stay in a budget.

In terms of how to implement this on a practical level, let’s pull some money from your checking account into another account on payday and have this automated. In terms of the amount, let’s reduce it by the amount that provides that safe container.

If reducing it by $100 feels easy yet $1000 feels way too unsafe, how about somewhere in between? When you consider each number, notice what is occurring in your body.

Your body’s intelligence will give you the answer. What amount makes you feel relaxed and empowered?

Start at that number.

See how that number works over 3 months. This isn’t a pay decrease; it’s leading you to that life and career you truly desire. It’s simply about carving and shaving money to get you used to spending less and stacking up some cash, all while creating more of a life you love doing what you love to do in your new career.

You can then keep changing that amount over time. When you trust your body’s intelligence and inner knowing, you’re going to come up with that adjustment no problem.

I talk much more about this topic of the wisdom of the body in my Julie Murphy work if you’re curious!

The reason this method works so effectively is that it isn’t about striving and forcing, which causes you to contract. Forcing only hijacks your nervous system and blocks your manifestations coming into reality.

This is about choosing you - choosing that life of Real Wealth you deserve and desire and stepping into your power!

See how you get on with this method and please don’t forget to join my community where I share more weekly emails, tips and resources on reaching financial freedom and living a life you love!

How to Shift Your Limiting Beliefs Around Money

julie@juliemurphy.com (Julie Murphy) — Tue, 03 Jan 2023 10:00:00 GMT

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Here’s the thing; we need to have way more fun around money!

I appreciate you might not hear many financial planners say this!

Why? Because I observe how so many people are suffering around their money patterns and today, I want to reinforce that it doesn’t have to be that way.

When you have more fun when it comes to your money, the incredible thing is that you’ll actually create more of it because you’re aligning energetically with a higher vibration around money.

What are Limited Beliefs?

So, what is it that keeps us in our suffering patterns? This is all down to having limiting beliefs around finances, how much wealth we can create and what we have to do to attract and earn it.

Our limiting beliefs are ultimately the stories we tell ourselves about money.

Our limiting beliefs grow and cement in our subconscious right from childhood. When we grow up, we witness how our parents, families or carers interfaced with money and this influences our own mindset around it and forms our patterns. This then of course extends to our school systems and communities; all of which interface how we ourselves interact with money and the stories we begin to tell ourselves.

It all determines what we believe to be true when we get older, go to college and start to pursue our careers.

What are Your Limited Beliefs?

What limited beliefs come to mind for you? Are there any that stand out? Perhaps that the only way to security later in life is to work in a job that you don’t love but provides a steady income and benefits?

Maybe it’s that once you choose a career in your early 20’s, you have to stick to it and work your way up the ladder?

You might have been taught that money is scarce?

Write them down if you can identify any. Let’s get them out there and shine a light on them!

In my work and as it becomes the norm in general, I see so many people default to debt as a result of their limiting beliefs. However the thing about debt is that it creates a complete lack of freedom and choice in your life. It traps you into making different decisions in the present moment and doesn’t allow you to make choices that will enrich your future.

Our debt patterns all result due to our limiting beliefs. As I always say and see so often in my work; we either work things out or act them out through our money, health and our relationships.

When we let them run our lives and we don’t stay open to new opportunities and adventures, we create debt, disease in our bodies and other areas of our life are also negatively impacted. Everything is all highly correlated.

How to Overcome Our Limited Beliefs

So how do we overcome it?

It’s all about processing those emotions inside our body. It’s about highlighting them and understanding that they are actually just stories. When we don’t choose the next adventure or that change that scares us - but makes us so excited.

Too many people feel like they’re been kicked in the face. So, let’s choose right now to stop dragging ourselves through the mud!

Let’s stay open to possibilities and have some fun!

I had a client who worked for corporate America for most of her life but had a real passion for dogs and wanted to shift completely. We worked out what she needed to have a year in income and what investments in her portfolio could help pay for her expenses.

When I saw her some time later, she had become a dog walker and was thriving! This eventually turned into a business offering more services and she created even more money than in her previous job simply because she was happier!

My client was feeding her heart and soul in the process of pursuing that next adventure. She got rid of her limiting beliefs based on generations before her that she had to continue to work in a job she didn’t love.

This could be true for you too.

Choose to see what your own stories and limiting beliefs are that aren’t serving your heart and soul and get busy working on shifting that! Get out there and choose the next adventure!

If you’re ready to embrace your next adventure and would like some guidance, please don’t forget to check out my coaching services and resources .

No matter what age you are there is always a new adventure ahead.

The Key to Powerful Manifesting

julie@juliemurphy.com (Julie Murphy) — Tue, 27 Dec 2022 11:00:00 GMT

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How often do you make decisions from your heart?

In this post today, I’m really going to encourage you to embrace the idea of dropping into your heart and out of your head.

Now, I know that this might feel strange as we’re all so conditioned to make financial and life choices based on what our logical brain says.

But this is about aligning with the energy of expansion!

Every challenge and every decision you want to make, pick your heart first because your heart is what allows you to open up to your most authentic self.

What you decide to focus on will expand.

Getting Clear on Your Intentions

In my Julie Murphy work, I’m incredibly passionate about drilling down on intentions.

Our intentions are the cornerstone of everything. They help to anchor and ground us.

What do you truly want to create in your life?

In your money?

In your health?

In your relationships?

You are the creator of your life. So my question to you is, what are you intending to create? Even if what you choose doesn’t manifest immediately, leading with your intentions will allow it to unfold in its own divine timing.

When I feel my own impatience rise, I always say to myself, ‘It's not Julie timing, it’s divine timing!’

Manifesting Your Dream Professional Life

Let’s begin with your professional and career life.

What is it that you would like to create in this area? You’re probably going to want to write down the income you desire, the type of clients you work with, and the type of boss you have.

But let’s also sharpen this up. Let’s look at the demographics as well as the logistics.

What environment would you like to work in? Would it involve being office based, home-based, a combination or with frequent travel? Do you desire to move location for a job?

What would the energy of your co-workers be like? Do you prefer working alone completely for yourself or do you desire mutually beneficial working relationships?

Claim your creation! Do you want to make more money and work less while making a bigger impact?

What would you absolutely love in your professional life?

It Gets to Be Easy!

Make it easy! It can be easy. And remember, focus on what you want, not what you don’t want. As your brain goes to what you don’t want, flip it to the affirmative.

You can also create a space on the page for different areas of your life such as your relationships, your health, your finances and so on, and repeat the exercise.

The magic comes from holding the intention of the creation. The job or opportunity will only show up when you do. If you want grace and ease in your work life, approach everything in your life with grace and ease!

Love yourself enough to do it. Choose a different way to feel and build that muscle. Believe the shoe won’t drop!

Next, write down each option you have on a small piece of paper. One could be applying for a specific job, another could be applying for numerous jobs, one could be moving location for a job. These will all be unique to your situation.

When we approach this from our logical left-brain, we don’t know the ‘how’ which is why we try to control it.

But this is about being in the mystery! Mix up the papers, take one, number it, and hold it in your hand. Really fe el into what you feel from that piece of paper and choice.

Surrender and go into your heart.

Write down the feelings that arise and don’t overthink them. Go with your heart and intuition, not your head. You’ll have your answer when you pick the ones that have the higher vibrational feelings, even if they don’t make sense.

(You can use this to feel into the decisions you desire to make in all parts of your life. This exercise will really help you test your intuition on what to do.)

You can also close your eyes and feel into it. You might feel weighed down and heavy with one option. In which case, you know that’s a no.

Or, you might feel excited and joyful. That could drive your left brain crazy! But that’s only because you’re not used to transmuting information in this form.

Carve Time in Your Schedule

As I’m encouraging you to double down in this area of intention, I’d also suggest you to create time in your calendar so that you know you’re going to do it.

If it isn’t there it won’t get done, so treat it like you would a business meeting!

This is where your intentions meet your 3D reality.

Be Clear - But Open to How it Shows Up

Go deep with this. Articulate what you want to show up but stay open to the ‘how’.

This is about stepping into your authenticity and aligning with everything from your career, to your relationships to your health.

It’s aligning with your highest self.

When you do, believe me, you will amplify your intentions and creations in the year ahead!

Manifest Reality and Your Finances Will Follow

julie@juliemurphy.com (Julie Murphy) — Tue, 20 Dec 2022 20:25:23 GMT

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Manifestation and the Law of Attraction are incredibly powerful tools when it comes to creating change in your life in all areas - including financially. I’m fully aware though that without a deep understanding of how to manifest your reality practically , the concept can seem a little out there or ‘woo-woo’. The idea that our thoughts create things might not be a tangible enough concept to get on board with!

In truth, there’s consistent work that has to be done on your part and it isn’t an overnight process – but I promise it’s a deeply exciting and fulfilling one! In this post, I’m going to share with you how to manifest dreams into reality and the key steps that will result in radical shifts in your life and finances.

You Are the Creator of Your Life

Everything is energy and where you are right now is a reflection of what you have created. You can listen to me talk more about this here on YouTube .

The first part of manifestation is to understand that you are the creator of your life and the great news is that if you want to make changes, you have the power within you to do just that! We live in a vibrational universe. Quantum physics has proved that as physical beings we are vibrational. Everything is - including money. Your financial situation is a result of the vibration you’re creating around money.

I want you to reflect on how that makes you feel. Does it make you angry, frustrated or does it make sense to you? To really activate your manifestation muscle, you have to accept the fact that you have participated in where you are right now. You have to accept it logically in your mind and allow it to land in your body and heart. This acceptance piece is incredibly important because it means you’re already allowing space for the new to come in.

Write Down Your Thoughts About Your Financial Situation

Put pen to paper and write down the thoughts that go through your mind about your life and money. Are they filled with fear, lack, worry or shame? Are you constantly thinking negatively about your health or relationship? Are you frustrated by your employer or not getting paid that bonus you thought you deserved? Are you angry that your partner isn’t on the same page as you about money? It’s very easy to take our thoughts for granted so really take time to identify your own thought patterns.

Write Down the Words You Use to Describe Your Financial Situation

Your words are highly vibrational and along with your thoughts, are a huge part of what shape your reality. This is also true in other areas, with health being a predominant example. Scientists have even identified that diseases such as diabetes and cancer operate as a measurable vibrational force.

Money is no different.

Write down the words that you normally use when it comes to your finances. Do you use the word ‘budget’ and therefore feel stuck and restricted? Are you always using the word ‘debt’ or saying how there is ‘never enough’? Do you complain that you didn’t get taught about money or that you’ve never been given any financial help from others?

You need to shift your thoughts and words to a vibration that is more expansive. If you think you’re trapped financially and are always proclaiming this with your words, this is what will be reflected back.

It’s also important to consider how you feel on a heart and soul level about money. Imagine you were to have a deep conversation with it - how would that go? Would there be blame, anxiety or tension? Would there be an underlying sense of indifference? Or maybe with money you actually feel joyful but there’s another area of your life where you feel depressed or despondent?

If you want to manifest dreams into reality, you have to shift your words, feelings and thoughts to align with what you want - not what you have.

Choose to Create an Internal Shift

When you consciously choose to create an internal shift with your thoughts, words and feelings around every situation with your money, this is where the magic happens. Choose to get on board with your financial choices. If there’s a scenario where you’re having to spend more on something than you’d ideally like, but that the result is leading to a benefit that exceeds monetary value such as peace of mind or convenience, think, speak and reflect on that with gratitude as opposed to how much it’s costing you. If it’s something financially that isn’t connected with a heart desire, how can you change it? You can check out my YouTube channel for more tips on this.

You have a choice; move out of scarcity or move into abundance. This is when your heart and mind are fully aligned and we move into true coherence. And let me tell you, from this energy space, you can start to have so much more fun! This is when manifestation and the Law of Attraction is nothing short of pure magic.

If you’re ready to live your life of Real Wealth and make quantum leaps in your manifestations, come join the community where you’ll receive my weekly updates, news and videos!

How to Become Wealthy with a Millionaire Mindset

julie@juliemurphy.com (Julie Murphy) — Tue, 13 Dec 2022 11:00:00 GMT

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The path to becoming wealthy starts with choosing your mindset around your financial life. If you want to become a millionaire, then embodying the mindset of a millionaire is key!

However, there’s a big difference between wanting to become a millionaire for the sake of the numbers; always chasing more yet feeling a sadness or void in other areas of life (I call this group of people ‘Rich but Empty’), and choosing a life of Real Wealth where money is in abundance.

This is where your money and how it flows to you harmoniously intertwines with the other core parts of your life such as your relationships, work and health. Living a life of Real Wealth ultimately means living a life that you love!

So let’s say you’re asking how to be wealthy in 5 years from now. Well, first of all, are you creating the energetic space for that to happen?

Do You Have Awareness of the Flow of Your Money?

A millionaire mindset means creating full awareness of everything that’s coming in and going out financially. Really getting into the nitty gritty of your finances can be overwhelming if you’ve avoided it, but once you lay it all out and gain an understanding of what you have coming in and going out on a monthly basis - and review this regularly, you can accept the reality of your finances.

You can create the energetic space to make more empowered decisions about how exactly you want it to flow.

Create Financial Flexibility

When people ask me how to be wealthy in your 20’s, learning how to create financial flexibility is crucial. Building those financial muscles and intentionally structuring your finances in a way that cleans up your financial past if you have one, live in the present moment and build your financial future - and potentially your generational wealth , all at the same time.

If you’re struggling with fears around debt (your financial past), although it can be tempting to want to pay it all down as quickly as possible, this is about looking at the bigger picture of your life and creating space to be able to live in the present moment.

Building financial flexibility and a safe container so that if unexpected expenses come in, or something in your life happens, you have the ability and funds available to take care of it. You don’t have to default back to debt and repeat your financial past over and over.

This means looking at your income and dividing it so that you’re addressing any debt, while also funding your mid-term cash flow intentions and additionally allocating to your financial future.

Millionaires and those who embody the essence of Real Wealth understand that making space for this financial flexibility is the foundation of building sustainable wealth. And it doesn’t matter where you’re starting from.

If you can only fund these intentions with a minimal amount each month (and ensure it’s done on autopilot so you don’t negotiate yourself away!), energetically you’re showing the universe that you’re stepping into your power. That you’re being intentional about creating the life you want to live.

It’s then amazing how the opportunities for attracting more wealth start to show up! Trust me on that one!

I have many resources available on creating financial flexibility with my books and courses and group and individual coaching .

Embody the Mindset of Abundance

The difference between a rich vs wealthy mindset is one of abundance and joy. It means more than just the numbers. Creating sustainable wealth means listening to your heart as opposed to plugging into all the financial noise and ‘chasing’.

It means knowing that you are the creator of your life and that when you follow what you love and stay in alignment every step of the way, you begin to open doors for opportunity in the most incredible ways.

An abundance mindset is one of ‘more’. Being very clear and intentional about how much you’d like to earn and attract in, but being open to how this can show up.

Exploring passive income opportunities that excite you could be one example and knowing that if you have a dream and then align it with your current reality, you can take those steps to achieve anything you desire.

The journey to becoming wealthy won’t happen overnight, but when you work on building it from the inside out, leading with your heart (the magnetic force of which stretches 8 miles!), you can attract the most profound opportunities, people and situations into your life.

Reduce Financial Drama

Our financial worlds have become so complex - what with tax codes, investment accounts, credit cards, rates of interest, store credit cards……there are so many options that we easily get distracted by.

Or maybe you’re merging your money with a partner and feeling uncertain about the potential complications.

Perhaps you’re overwhelmed by all the investment options out there.

So this is about creating financial simplicity in your world and with my Julie Murphy work, this is the core of what I teach. Deciding that you want to spend less time being distracted by all these external factors and instead, focusing on what you actually like to do in your life!

Deciding that instead of defaulting into financial decisions dictated by something or someone on the outside, you choose the ones from a neutral and grounded place that feel right to you .

All the financial drama and chaos out there doesn’t give us the opportunity to step back and build our financial muscles to make choices that align with the life we actually want to live.

So we have to go back to simplicity. And I’m a financial planner who loves a menu of options! But I’m also about creating financial simplicity to make space for happiness in your life. A basic example of financial simplicity could be operating on a cash basis and drawing money out of your account at the start of the week. Once it’s gone it’s gone.

It’s these small, conscious choices to only plug into what’s aligned with the life of Real Wealth you want to live, that really move the needle on your journey to a life of financial freedom!

If you’re ready to live your life of Real Wealth and make quantum leaps in your manifestations, come join the community where you’ll receive my weekly updates, news and videos!

The Journey To Financial Freedom

julie@juliemurphy.com (Julie Murphy) — Tue, 06 Dec 2022 13:19:06 GMT

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What does financial freedom mean to you?

I ask this because many people get distracted by what they believe financial freedom should look like. This is usually dictated by external factors such as society, parents, co-workers, friends…..

It’s also dictated by how we’ve been subconsciously conditioned to think about money. These beliefs are often created by the time we’re just 7 years old.

And so as you’ve progressed through life, have you lost sight of what actually makes you happy? What brings you joy?

If you were to now unplug from all the ‘noise’, and allow yourself to dream the dream, what would financial freedom mean to you ?

What choices would it allow you to make?

How would you like your income to flow to you?

Where would you be living and what would you do on a day to day basis?

I want you to dream that dream and understand that it can become a reality! So let’s now look at how you can begin your own journey to financial freedom.

Accepting Your Reality

The next step after dreaming the dream is to then align that with your current reality.

You have to be willing to accept your current financial reality, whilst shifting your mindset to one of expansion and being open to new possibilities.

Affirmations for financial freedom can be incredibly helpful in this process. A powerful example:

‘I am the creator of my life’

You are absolutely the creator of your life and financial freedom means embodying this on every level. It means stepping into what the reality of your finances look like in the present moment and choosing to work through the emotions and feelings from a place of neutrality.

It means doing this without any blame, shame, guilt or judgment.

A good way to begin accepting your reality is to write out and fully break down your cash flow and expenses. Make sure to include everything including your utility bills, rent or mortgage, cell phone bill, online and offline subscriptions, groceries and travel costs.

Break these down monthly, weekly and daily. Once you have this clear visual representation, you can quickly start to see where you might want to make changes.

What expenses do you feel weighed down by or know that you could live without? If so, choose from an empowered place to let them go.

In contrast, does your morning latte bring you joy or make you smile? Well, that’s what we need to keep in!

Remember, this is about expansion !

Now, take the same approach with your debts. Could any be reduced to 0% interest for the next 18 months? A phone call to your bank could easily result in a much better outcome than you imagine!

By taking these empowered actions, you’re consciously taking control of your financial reality and building those financial muscles in the process.

Build The Muscle of Holding Money

The energy of true financial freedom is one of abundance. I appreciate you probably won’t hear many financial freedom advisors talk about energy when it comes to finances, but I know how it’s the foundation for Real Wealth and I explore this extensively in my courses, books and coaching programs .

Let me ask you; do you find yourself able to earn money and perhaps even consider yourself income affluent, but still have leaky financial containers in the form of being unable to hold that money?

Does it seem to go out the door quicker than it comes in?

Are you still swiping your credit card without much thought?

If so, your journey to financial freedom will involve building that muscle to be able to hold money.

A simple way to do this is to create more financial simplicity and take cash out every week to account for what you need.

It’s incredible how when we hand over cash for something, it creates more awareness of our spending choices - it triggers more of an emotional response and enables us to consider whether that choice is fully aligned.

You could also try keeping a $50 note (or whatever amount feels right to you) in your purse or wallet and not spending it. This cash is your symbol of abundance and every time you see it, I want you to really tune in to that energy.

Step Into The Tests

When we’re evolving, going through a period of growth and peeling away those emotional layers, we will be tested along the way!

The more you observe these tests and recognize your old patterns around money - such as overspending or defaulting back to debt instruments and choosing instead, to stay in full alignment with the life of financial freedom you want to create, the stronger that muscle will become.

This is when the quantum leaps happen and you take your manifestations to the next level!

These tests only show up to allow you to become the true master of your soul. When you’re not heading in the direction of your soul, this is when a crisis comes in - whether that be in your finances, health or relationships to shift you away.

So embrace the tests and step into them from a place of empowerment!

Follow What Feels Light & Expansive

In everything you do and with all decisions you’re faced with, the journey to financial freedom means following what feels the lightest and most expansive.

This is again, about stepping away from the external distractions and tuning in to what feels right, joyful and aligned to you.

You have to keep following your giggle! If something makes you smile or brings you joy, follow it and see where it leads! Don’t underestimate the power of this.

When we follow our giggle, we open up, we expand and we allow people, opportunities and money to flow in in the most unexpected of ways!

With everything you do on your own journey to financial freedom, it’s about awakening more of your authenticity. Living the life that you want to live and being open to how that might show up along the way.

If you’re ready to live your life of Real Wealth and make quantum leaps in your manifestations, come join the community where you’ll receive my weekly updates, news and videos!

Why Having a Mentor is Crucial to Success: Launch Your Life Winter 2022-2023

julie@juliemurphy.com (Julie Murphy) — Tue, 29 Nov 2022 14:00:00 GMT

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If there is one thing I’ve learned throughout my life, it’s the value of having a mentor. It’s undoubtedly a huge factor that’s created the success I’ve experienced financially, in my business, within my relationships and in my health.

When I was younger, I have to admit, I was resistant! I’ve always been strong-willed and desire to do things in the ‘Julie’ way. I’m still a disruptor now and am proud of that quality -it’s served me well! But the mentors I’m so grateful to have had along the way have enabled me to view myself, my life and my blind spots through a completely fresh lens.

They’ve shown me how to approach life with a deeper sense of inner curiosity and peel back those layers of emotions to help me grow in a way I never could have alone. My own mentors have come in the form of energy healers, business and finance consultants, health and wellness professionals, bosses and people who have taught me the value of self-love, growth and how to evolve to that next place in my own journey to a life of Real Wealth.

How A Mentor Can Help Guide You

While there is so much to be gained by learning from your own experience, mistakes and successes, you can’t underestimate the value of having someone by your side who understands the journey you’re on. They’ve likely been there themselves and can help shine a light on your limiting beliefs and behavioural patterns because they’ve probably felt and experienced those things too!

You’ll be able to gain a deeper understanding of yourself, accumulate a sense of confidence, emotional intelligence and resilience, and your mentor can work with you strategically on what you want to create.

A really great mentor will make you feel listened to, empowered, understood and help you discover what feels truly aligned and guide you on that path to reach your goals.

A Huge Majority of Successful People All Had a Mentor

Of course, success looks and feels different to everyone but many of the people who have achieved success have attributed having a mentor as one of the keys to this. People such as Oprah Winfrey, Richard Branson, Steven Spielberg and so many more all had various types of mentors.

We all start somewhere and being willing to plug into a different way of learning and growing rather than doing it all alone is incredibly powerful. Expanding and being vulnerable with your mentor and open to having flexibility and curiosity about how you approach your challenges is also a profound strength that you can cultivate.

That in itself can help you break down the emotional barriers that you’ve likely built up from childhood.

You can begin to discover and understand parts of yourself that you want to celebrate and work on nurturing those other parts that perhaps aren’t serving you so well.

The value of having someone there by your side to celebrate those wins and reminding you that it’s ok to let your freak flag fly also feels so damn good!

Evolving from the Inside Out

I can’t emphasize how much I have learnt about myself through having a mentor. Not only has it enabled me to create a thriving Wealth Management and coaching business and reach a level of wealth that I could have never imagined growing up, it’s helped me to identify buried traumas, gain the courage to step away from a marriage that wasn’t aligned, find a relationship that nourishes me on every level and have the confidence to lead from my heart in everything that I do.

My mentors have guided me to step into the full embodiment of Julie and my journey is always ongoing! I will always continue to work with people who can help me to keep peeling back those layers and stepping into the next version of myself.

My Own Passion as a Mentor

Being a mentor to others in my Julie Murphy coaching business and with my Wealth Management clients is the part of my work that lights me up the most. It’s why I’ve written books and created an abundance of content because mentors can also be found in the form of these resources too!

To be able to bring that energy, raise the vibration of others and guide them on their own road to a life that they love - a life of Real Wealth, is where I thrive and if you’re reading this post and it resonates, I have something to offer that I’d love to share with you.

If you’re ready to discover the answers that will transform your financial reality and leave your money problems in the past, I’m running my group coaching Launch Your Life course from December 7th, 2022 - February 22th, 2023.

The numbers are capped to ensure I get to spend time with each person on the call. We really dive deep into your current situation and I bring all my experience, expertise and tools to the table to help you pave an aligned roadmap to creating a life that you truly love. If you feel called to do this, I would absolutely love to welcome you in this group container.

It’s a completely safe space with likeminded people and the sense of community that we’ve created in past groups is magical!

If you’re ready to take your manifestations and growth to the next level, I deeply encourage you to sign up soon ready for our first session on December 7th.

Join the Launch Your Life Course here

Here’s to your life of Real Wealth!

5 Tips to Help You Succeed Financially

julie@juliemurphy.com (Julie Murphy) — Tue, 22 Nov 2022 13:00:00 GMT

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No matter where you see yourself, succeeding financially is about switching to the perspective of empowerment with your money and creating expansion for your cash to flow in the direction of the life you want to live.

As I always say, we work things out or act them out through our money, our health or our relationships and so when it comes to succeeding financially, we have to look at the integration of all three areas and identify how we’ve been hardwired to respond.

We have to learn how to rewire that old fear-based patterning and draw upon some basic but transformational tools to get the process in motion!

Regardless of if you’re seeking financial success in your 20s, 30s, 40s, 50s, 60s and beyond, I’m going to take you through 5 steps that will allow you to build your financial muscles.

1. Trust Your Body Intelligence

So often we make financial decisions based on what our mind thinks is the right thing to do, yet our body is screaming at us whether this be through anxiety, fear or not feeling grounded.

If you’re making financial decisions when you’re not in neutral, those decisions aren’t going to be aligned.

How do you know when you’re not aligned? Well, this can show up in ways such as getting nervous, anxious, fearful or guilty when you go to speak to your spouse or a professional about your money.

When your body intelligence is trying to tell you ‘Hey, I’m important too!’, you have to start trusting it!

And remember, trusting yourself financially isn’t going to happen overnight. Like it takes time to build muscle at the gym, it also takes time to build those financial muscles and create new habits . It takes practice and learning to get in tune with what your body is telling you.

2. Breathe

You probably won’t find many financial professionals in the industry that will tell you how important the breath is when it comes to financial success and how to achieve it! But I approach things differently because I know that taking it back to basics and starting with the breath, is the foundation for building wealth from the inside out.

I’d like you to think of this like financial yoga. It opens things up. When you’re contracted and not opening up your capacity for financial flexibility, you need to breathe into where you’re stuck.

Breath to create the space for expansion. When your physical nervous system is hijacked, you can’t open up to allow financial flow.

3. Step into Your Power!

If you want your finances to flow in the direction of the life you truly desire to live, you have to open up the channels, which as I’ve just spoken about, starts with the breath.

This then enables you to make financial decisions from a place of being grounded, instead of from a place of reactivity.

Instead of feeling like you’re constantly patching up those financial holes, you’re consciously directing the flow of your money to account for those expenses that pop up before defaulting to debt and allowing the banks or something or someone on the outside to control you.

For example, owning a house will inevitably come with future expenses. This could be windows or appliances that require replacing. Depending on how old the house you own is, this timeline will vary, but these things will still happen eventually. Yet, we still get surprised when things do go wrong and then fall into debt as a consequence.

Stepping into financial empowerment and building your financial intuition is about accounting for those replacements ahead of time by automatically funding a ‘house repair fund’ intention in an online account. This means that over a 20 year period, you have the cash there - it’s not a shock to the system and keeps your nervous system in neutral.

You can’t live the life you want to live, if you’re not in flow and to stay in flow, your nervous system needs to be neutral, calm and grounded.

4. Choose Your Financial Priorities

Like the example above, intentionally have your money going in the direction of financial empowerment so that you have the cash there ready for that new car, travel experience, house expense or to be able to leave your job and have the space to look for something more aligned.

It means not defaulting to debt and allowing the bank to control you. It means becoming your own bank and creating your own roadmap to financial success, on your own terms where you’re along for the ride every step of the way!

5. Allow Yourself to Dream the Dream - and then Align

The true path to succeeding financially is to get out of your fears and shift the energy instead, to what you want to create. In my book, Awaken Your Wealth , I talk about the importance of dreaming the dream.

This is because if you start with the dream and then get your reality into alignment, we can get you to the next place of choosing your financial priorities and building your financial muscles.

It means you can shift from a place of feeling like a victim to the bank, the government, your parents or someone or something else. Victim consciousness creates scarcity and blocks the wealth you want to create from flowing in.

So instead, you can now choose the things that are in alignment with your heart and soul and use these tools I’ve shared today to step out of your financial fears and on your way to financial empowerment!

If you’re ready to live your life of Real Wealth, come join the community where you’ll receive my weekly updates, news and videos.

How to Take Your Manifestations to the Next Level

julie@juliemurphy.com (Julie Murphy) — Tue, 15 Nov 2022 13:00:00 GMT

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Are you feeling blocked around your manifestations?

Do you find yourself dreaming the big dream, but nothing seems to come to fruition?

Perhaps you get distracted along the way and fall back into old patterns?

Maybe you’ve had a ‘one hit wonder’ but what you want to attract in your life lacks consistency and momentum?

If any of these sound like you, I’m going to share with you the missing piece of the manifestation puzzle.

Taking your manifestations to the next level is about going inwards. Going deeper to discover what your level of abundance is.

For many people, the reason why they’re blocking their manifestations is because they don’t know how to receive what they want to create. They’re unsure how to tune in to the emotions that allow them to move towards a life they love!

Take Some Time to Breathe

What I’d like you to do is take some deep breaths in and out. Let’s calm that nervous system!

The reason why breathing is so helpful when it comes to manifestation and the law of attraction is that it allows you to open up the flow.

You need to get out of your head and into your body. Why? To make more grounded decisions .

To tune into what your gut is telling you – not your logical brain.

Science has now proven that we have 3 brains. These exist in our gut, the actual brain and the heart. So the breath is an incredibly effective way to tune in to the wisdom of our entire body when we’re approaching a topic such as money, and shifting to the energy of abundance.

This is about really tuning in to your own level of abundance, the idea of wealth and how much you have.

What do you Desire to Receive?

Next, I’d like you to write down what the biggest amount of money you could ever see your net worth being. Don’t be afraid or hold back here – it has to be truly authentic to you. For some, it could be far less and for others, more.

You can do this from an income or asset based perspective.

Now, let’s create a timeline. $0 is the first amount. Let’s say you wrote down $1 million as your boldest, highest number.

I’d like you to come up with 8 different numbers in between and write them on separate pieces of paper – a little like flashcards. So, $1 million at the high end, $500,000 in the middle and then you can break the others down evenly accordingly.

Why? The reason why writing things down, holding those pieces of paper and feeling into them, is that it firstly makes it visual. Energetically, it makes it real. It also allows you to get you into your body and tap into its intelligence.

Your body is way smarter than your mind because your mind is where your ego resides.

This is all about building wealth from the inside out as opposed to plugging in to all the external ‘noise’. I talk more about this concept in my book The Emotion Behind Money , which I highly recommend you check out.

Open Up to Receive

Hold each piece of paper and close your eyes. Breathe. Immerse yourself in the question ‘What am I feeling with this million-dollar number?’ Do you feel anxiety, or talk yourself out of it? Do you find yourself making excuses why you could never receive that, or does it actually feel good and safe?

This exercise, one I often take clients through in my Julie Murphy work and coaching, shows that if you don’t feel grounded and calm in your body, you haven’t yet embodied being able to receive that $1 million.

By putting those numbers on the table, writing them down and holding them, it gives you a measuring stick to identify what number you are truly comfortable with.

And again, there is no right or wrong with the number where you feel safe and grounded! If you would like to feel comfortable with a higher number, it’s simply about building the muscle to be able to receive and hold it.

Money is Energy

Money is energy, so let’s really tune in with the energy of your money - or lack thereof depending on where you’re at.

Tune in and decide now to shift any patterning you have around not feeling loved, enough or worthy; the three emotions that are deeply connected to our money and behaviors around it.

The answer to taking your manifestations to the next level is being willing to go through the emotions; to feel into them and feel through them as opposed to reacting when the triggers arise. To step into the challenges from a perspective of observation.

And opening up your ability to receive the money – and everything you desire to attract! To build wealth from the inside out and start living that life you love!

I encourage you to try this exercise when you have some quiet, uninterrupted time to yourself. If you found it helpful, I’d be so grateful if you could share this post with your friends. And if you’d like access to more weekly resources, don’t forget to join the community !

Why We Create our Own Financial Prisons & How to Break Free

julie@juliemurphy.com (Julie Murphy) — Tue, 08 Nov 2022 12:00:03 GMT

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Does your financial life feel like a prison you can’t escape from? Perhaps this also extends to other areas of your life? Your relationships, your career, your health?

This is because our finances are a reflection of everything else occurring in our lives.

After all, everything is energetic. It all intertwines.

However, I get that if you’re reading this your financial life might feel like the part that gives you the least amount of freedom. In fact, this is incredibly common.

Why?

Because we don’t create the infrastructure to become financially flexible and be able to live fully in the present moment. Until we work on the emotions and patterning around our money, we take the same actions, continue to rely on debt instruments and forget to remember how much of our lives - including our financial ones, are driven from the inside.

The Acceptance of Your Reality

Perhaps there’s also a piece of you subconsciously unwilling to accept the reality of where you are financially?

Do you know exactly what is coming in and going out every month or do you refrain from acknowledging this out of fear, guilt, shame or self-judgment?

Are you aware of the leaky financial containers you’re creating such as not having allocated funds ready for those unexpected costs or expenses and therefore defaulting to continuing a cycle of debt?

Or perhaps your leaky container is constantly caretaking to others such as your kids, family or friends and neglecting your own financial and emotional needs in the process?

Maybe you’re working in a job you dislike or in a relationship that doesn’t serve you and compensate by engaging in over-spending that leads to a financial hangover?

A further factor that leads to the creation of a financial prison is allowing others around us, whether that be those close to us or society, to dictate the financial choices we plug into.

All of these mean that we’re so constrained financially, we lack the power of choice. We’re unable to live in the present moment.

Through my framework, the PACT Process, which you can read more about in my books and resources , the acceptance of reality is an incredibly important step.

And I understand, it can be challenging! It can feel overwhelming; stepping into those uncomfortable emotions that so many of us feel around money and our patterns around it.

But the truth is, the more you accept the reality of where you are financially and where you’re plugging into, the more you can expand and allow the new reality you want to create to unfold.

The more you step into the acceptance and feel all the feelings you’re experiencing around your finances, the more you can also begin to embody your true, empowered self to take the actions to create financial freedom .

The Truth About Budgets

You might also be thinking ‘But Julie, I’m trying to stick to my budget, I’m seeking all the advice, I work hard and still I feel like I’m not making progress!’

One of the first things I advise people is to remove the word budget from their vocabulary!

This word in itself for many, can feel restrictive, which then only perpetuates the feeling of being in a financial prison!

So instead of trying to stick to a budget, one of the key ways to reduce financial stress is to consider how you want your money to flow. How you desire to build a safe financial container around you that still feels expansive.

This means creating full awareness of your finances by acknowledging exactly where you are with your debts, your cash flows in the present moment and your financial future.

It means regularly checking your bank statements and assessing what spending choices bring you joy and which ones you choose to let go of - from a place of expansion.

It means being aware of where you’re allowing others around you to take control or influence how you’re plugging in financially and if this is really aligned with what you desire?

It means working to become your own bank.

It means taking a completely different perspective through the lens of knowing that you are the creator of your financial life, no matter where you’re starting from, and consciously choosing the actions to support that life you want to build.

Let Go of Financial Regrets

Many of us also have financial regrets that eat us up inside and only lead to further self-sabotaging behaviours around our money.

The impact of this makes our nervous system contract and that financial prison feels like it’s closing in because we remain in our suffering patterns.

So again, and I can’t emphasize enough, this is about accepting the reality of your past financial choices, but then choosing - with full self-compassion and kindness, to let them go and intentionally deciding to view your money through an entirely new lens.

A lens of empowerment.

One where you forgive yourself - and others if necessary, and choose to create your financial life in a way that offers you financial flexibility and takes care of your financial past, present and future all at the same time.

An effective exercise you can try is writing a letter to yourself or your money and declaring exactly how you feel about any regrets you have. Let it all out and allow it to flow through you. Feel into those feelings as you put pen to paper. Then, commit to letting it go by tearing it up, or burning it and releasing it.

When you shed any financial regrets, you also peel away the emotional layers that allow you to access your core, true self. You reach that next summit and you free yourself. You make space to expand rather than contract and of course, you can learn from your past financial decisions, but from a place of pure neutrality.

This is how you break down those prison walls, build a safe financial container and allow your heart to take charge. From here, you bring in the smarts to make considered, conscious actions to become financially flexible where you get to drive the engine and fully live in the present moment.

5 Dos and Don'ts for Becoming a Millionaire

julie@juliemurphy.com (Julie Murphy) — Tue, 01 Nov 2022 12:00:00 GMT

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If you’re reading this and looking for answers on what it takes to become a millionaire and tips to becoming a millionaire, there is something incredibly important I want you to know.

Money is energy. It’s all energetic.

There are an abundance of ways to become a millionaire, but the core question you really want to be asking is how to achieve Real Wealth.

True, sustainable wealth.

Wealth that’s consistently growing as you also continue to evolve.

After all, there are so many people out there in the world who have earned the millionaire status, but have defaulted to living a life they don’t actually love in the process.

That isn’t to say there’s anything wrong with having the goal of becoming a millionaire ! If this is you, let’s get you there! However, with these 5 tips, I’m going to show you how to go from a place of perceived financial freedom to actual financial freedom that’s fully aligned with the life you desire to live.

So, what is the secret to becoming a millionaire? Well, let’s now break it down!

1. Understand that Income Affluence Doesn’t Lead to Financial Freedom

Many of us have become income affluent. We feel wealthy and even like we’re on the way to becoming a millionaire because we have no problem earning and attracting the cash in. The challenge comes because we lack the financial muscles to hold that money.

We then start to create leaky financial containers because our financial muscles are weak.

So, instead of relying only on income affluence, this is instead about creating true, sustainable financial freedom.

2. Create Financial Space

Perhaps you’re in a place where you’re avoiding talking to someone about your finances?

There’s no judgment here on that! In fact, I want you to remove any blame, shame, guilt or judgment! However, it’s important to create awareness around the idea that maybe part of you doesn’t want to change your lifestyle and believes that if you just keep going, all will work out?

Does this resonate with you?

The truth is, if we don’t create financial space, at some juncture, a part of our life such as our health, relationships or finances will suffer. I’ve seen it time and time again.

So, this is about creating that financial space in a manner that also builds a safe container around you. Where on an emotional level, you’re not triggering any of your core subconscious beliefs of not feeling worthy, not feeling good enough or not feeling loved.

This means choosing financial actions and advice that support this goal every step of the way.

3. Don’t Neglect the Importance of Building Your Financial Muscles

One of the major keys to becoming a millionaire is by building your financial muscles.

Why?

Well, without this, you’ll remain stuck in your past suffering patterns and habits.

An incredible way to begin is by implementing a process of allocating what I call ‘New Found Money’.

New Found Money is unexpected money that you find or attract outside of your regular income. It could be a bonus, inheritance, tax return or where you choose to make savings on expenses such as old subscription services, cell plans, apps and so on.

You take this New Found Money and you intentionally place it somewhere else that is fully aligned with the life you want to create.

Although it can be tempting to immediately want to pay down all your debts, the real way to financial freedom is to clean up your financial past, live in the present moment and build your future all at the same time. I have many resources on this so be sure to check out my products and various coaching services if you’re looking for more in-depth guidance.

Focusing purely on paying off your debts and past choices keeps you feeling in financial jail and we want you to feel empowered - not trapped or restricted!

So with any New Found Money, it’s time for you to build the muscle of becoming your own bank. As an example, you could choose to fund this into a new ‘Car Payment’ account so that when it comes to making your next car purchase, you don’t have to default to doing so via debt instruments.

This creates empowerment around your money because you know you’re becoming entirely financially self-sufficient.

You’re energizing your money intentionally.

4. Put it All On Autopilot

Next, choose to set things in motion. Your financial muscles won’t build and become strong unless you consciously choose to drive the engine on this part!

Make sure that your New Found Money automatically gets deposited into your various financial intentions. Set up accounts and put it on auto-pilot. If we don’t do this and convince ourselves we’ll do it manually, left to human devices, we negotiate ourselves away and create the same suffering patterns all over again.

Building those muscles means interfacing in a different way when it comes to your money and the flow of it.

5. Moving from Perceived Financial Freedom to True Financial Freedom

The key to becoming a millionaire but also living a life of Real Wealth is moving from a place of perceived financial freedom to actual financial freedom. As I spoke about before, this is about implementing those tools that help clean up your financial past, while living in the present moment and building your future all at the same time.

It’s where I often differ in my Julie Murphy work compared to other financial planning advice, but a process I know gets results!

This is the only way to create sustainable wealth, avoid those leaky financial containers and continue to build your financial muscles to take you from a place of fear and lack, to one of true empowerment around your money!

With these top 5 ways to become a millionaire, it really doesn’t have to be as hard as you believe when you shift to the energy of abundance and expansion.

You deserve to have everything your heart desires and all it takes is understanding that you get to choose how you energize your money. You get to choose the life you want to create and enjoy the financial freedom that comes in the process.

Your financial karma: what it is and how to change it

julie@juliemurphy.com (Julie Murphy) — Tue, 25 Oct 2022 12:00:00 GMT

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This week, I want to touch on something I’ve discussed before: financial karma.

Many people – including myself – believe that “you get what you give” in life. The Hindu concept says that the choices we make have consequences, and we face those consequences daily. How true is this? Well, think about the past choices you’ve made with money. The financial situation you are currently in is probably a direct result of your past choices.

Controlling your financial reality is very tied up in the whole idea of karma. Yes, your past choices determine where you are right now. And, if those choices weren’t great, you may be in a place of negativity resulting from your finances. Now you feel like “why even bother?” with your money. After all, you’re so far in debt that there’s no point in trying to get out of it, right?

Wrong!

It doesn’t have to be this way. I believe that karma is more than a past-and-future thing; I believe that the choices you make right now – in the present – can result in positive changes immediately.

Financially, there are choices you can make right now that can bring immediate positivity. One is automating your savings. No amount is too small to automatically transfer to an interest-bearing savings account; something is better than nothing! Watching that savings grow each week is an encouraging site in your present and an awesome thing for your future.

Another way to change your financial karma right now? Take a look at your spending. Look at your bank account and see exactly where your money is going. Just seeing what you spend money on – and seeing what you spend on unnecessarily – is enough for most people to be more mindful of swiping their credit cards.

And finally, cut 5%. That’s it; just cut 5% of your spending each month and put it in a special account. Maybe you start saving for a home but aren’t quite ready to buy one yet. Or you want to start your own business in a year. The simplest way to make these things happen – to change your financial and personal karma – is to be proactive.

The way your finances are right now doesn’t have to define who you are in the present or where you will be in the future. Simple daily or weekly changes can move you in a more positive direction, giving you more confidence in yourself and a better financial karma.

The Importance of Practising Spirituality in Your Daily Life

julie@juliemurphy.com (Julie Murphy) — Tue, 18 Oct 2022 10:00:00 GMT

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I get what you might be thinking!

‘Hey Julie, what the heck does spirituality have to do with money and building wealth?!’

Well, more than you might imagine!

Through my many years as a financial planner and working with so many clients, I soon discovered that the missing component when it comes to building wealth from the inside out was addressing the emotions connected to our money.

I know that for many people, the idea and the importance of spirituality can seem a little esoteric, but when I talk about spirituality, what I really mean is finding a connection to something - whatever that looks like for you, that you can truly ground yourself in.

It’s about finding that connection within yourself that allows you to drop into your heart, keeping your nervous system in neutral and allowing you to plug into the world with more awareness and creating space for expansion.

The Fourfold Being

We are all Fourfold Beings. This means that we each have a physical, mental, emotional and spiritual side that work in harmony with one another.

These 4 pillars are what create the essence of who we are and if we’re not having all 4 pillars rise up, we won’t be in alignment. We’ll accept less than what we want to create and even if we do attract these things in, something will suffer along the way.

And yes, that includes your finances!

Incorporating spirituality into your life doesn’t have to be complicated. There are so many practices you can try and at its core, it’s about finding meaning, being mindful and

allowing you to create a life you love by making yourself a priority .

Giving time to you. To be. To allow. To expand.

Making sure that you’re driving the engine of your life every step of the way and instead of reacting to the world around you, choosing to observe.

The Power of Meditation

Meditation is an incredible way to drop into your heart and regulate your nervous system.

Let me ask you; do you find yourself distracted by the outside world? It could be that you’re a workaholic, addicted to working out or the feeling of cortisol running through your body.

Perhaps your phone, video games, social media?

All of these distractions mean you’re not focused on being the creator of your life, but distracted by what's pulling you away.

The importance of spiritual meditation enables you to intercept that pattern of distraction and unplug.

Whether that’s taking ten minutes a day to be still, to breathe and ground yourself.

Meditation could also be creating art, walking in nature, singing, doing puzzles.

Anything that allows you to drop into your feminine energy and receive those intuitive hits that you can’t receive when you’re being distracted by the world at large.

Why is this so important? 

Well, creating a life you love and one of Real Wealth means being open to expansion.

You can’t expand if you’re distracting yourself. If you’re looking for a quick hit of dopamine of happiness and reaching for these things outside of yourself to avoid feeling your feelings.

So when people ask me ‘why be spiritual?’, this is why!

We Work Things Out or Act Them Out!

So many times, I’ve seen people work hard all of their life in a job they don’t enjoy, doing all the ‘right’ things to build a life they’ve felt obliged to live, making all the smart financial decisions, yet some part of their life has suffered.

This could be in the form of disease crystalizing in the body, creating leaky financial containers or staying in a relationship that makes them unhappy.

Some people wind up in a suffering pattern of debt and spending hangovers no matter what steps they take to get a handle on their finances.

As I always say, we work things out or act them out and acting them out is an indication that we’re not allowing ourselves to feel and process those emotions that have very likely existed since before the age of 7.

The benefits of spiritual practices therefore allow us to take some time to go inwards. To reflect, to feel our feelings, to shift our perspective and see life through a new lens.

It’s an opportunity to plug into the world in an entirely new way.

To open up to expansion and be the creator of our life as opposed to allowing other people or systems to dictate what that looks like.

Everything is Energetic

Everything is energy and so finding ways to shift and clear that energy is how you create those quantum leaps in your manifestations.

This can also be in the form of what you choose to consume on a physical level in your diet.

It can be how you choose to move your body.

It can be trying various forms of energy work.

Spirituality can look different to everyone and there are so many tools and practices that you can try and see what really lands for you.

Building wealth from the inside out and creating a life of Real Wealth means going inwards and being open to approaching life in a new way.

In a way that brings joy and abundance.

In a way that shifts you from negotiating yourself away to leading with your heart.

To following your giggle and choosing to engage in practices and activities that make your heart sing!

This is why in my books and in my Julie Murphy work I really drill down on the importance of spirituality because it enables us to plug into our own life in a new way that creates the results we truly desire.

I really encourage you to explore the idea of spirituality and what that could look like for you. Try things out, experiment and see how things shift!

Millennials' Most Common Financial Management Mistakes

julie@juliemurphy.com (Julie Murphy) — Tue, 11 Oct 2022 10:00:00 GMT

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Are you a millennial reading this and wanting to create a life of financial freedom? A life of Real Wealth?

Let me ask you; what’s stopping you?

Do you perhaps feel let down by the macro-economic environment?

Or finding it tough to stick to a budget?

Totally confused about which financial advice to follow?

First of all, let’s take a deep breath!

It’s no surprise that so many millennials' financial problems exist, because we live in a world filled with noise and distraction.

Constantly bombarded by the career paths we should follow, the type of house we should own, the impressive wardrobe, the investment portfolio we should be building……

This is about learning to tune out the noise of the outside world. Of course, having awareness of what’s happening in the financial world at large, but not letting this drive the engine towards your own life of financial freedom.

Not letting others dictate the type of life you want to build and create.

Today, I want to break down some of the most common money management mistakes I often see , and regardless of whether you’re a millennial reading this or not, the same applies wherever you are in life.

Let’s Let Go of Budgeting!

So many people have an immense sense of shame, blame, guilt and judgement if they can’t stick to a budget.

Maybe you’re trying so hard to stick to that spreadsheet, but month after month you find yourself exceeding it and overspending?

Well, let me ask you; does the word ‘budget’ make you feel like there’s a cap on your life? I know that for many, it feels restrictive and it makes their nervous system contract.

That’s not going to make you feel good about your money! The solution? I’d like you to take the word ‘budget’ out of your vocabulary. You have no budgets but what you do have is cash flow, and you choose how you want it to flow.

Instead of budgeting, I encourage you to take yourself on a financial date night every quarter.

During this time, write down in the exact amounts , what gets deposited into your checking account and what comes out.

Write down every single piece of income and expense down to the dollar.

What this process does is create awareness around the flow of your money. You get to see a solid picture of everything that’s coming in and going out on a regular basis, and you get to consider how to make financial choices that are aligned with what you want to create.

Making those tweaks within your monthly spending won’t feel like a restriction. Instead, it will feel empowering! You’ll easily get to see where you can make savings and reduce costs on subscriptions or cell plans, or where your spending choices no longer fall into alignment.

When you shift your perspective entirely on what you want to create instead of remaining in the story of scarcity or budgeting, you can embark on this quarterly financial date night exercise from a place of neutrality and flow.

It’s as simple as changing your relationship with money and asking where do you want your money to go? Thinking about your income potential and your ability to save and build wealth from a place of expansion !

Recession Proof Yourself

One of the most common financial mistakes I also see, is neglecting to create a safe financial container around you to insulate you from whatever is happening in the economy at large.

Like right now, with inflation and interest rates on the rise, perhaps you’re really feeling the impact?

Well, let’s make sure that you start to, instead, protect yourself in the future so that your life doesn’t have to be driven by the financial institutions, your employer or something outside of yourself.

Real wealth and building wealth from the inside out, is about shifting your financial perspective and creating the power of choice. It’s learning to build your financial muscles so that you don’t have to pay today for the choices you made yesterday out of feelings of scarcity.

You’re simultaneously taking care of your future and so you are free to truly live in the present moment.

How? Well, you start to allocate your money coming in every month into different buckets to build a reserve of funds allocated for the short-term, mid-term and long-term.

These buckets can then be used for your desired fun purchases (outside of your cash-flow spending), but also, towards unexpected expenses such as car or home maintenance costs and taking care of those unpredictable financial variables.

They can also help you build a longer-term reserve of funds to live on if you so need to.

Even if you can only allocate $5 into each bucket per month, the amount isn’t important. This is about creating that energy of abundance!

It’s about stepping into your power and choosing not to plug into the world that encourages you to default to loans or credit cards when unexpected expenses arise. When this happens, you end up with debt, which means creating a financial past, preventing you from living in the present moment.

It’s about knowing that you don’t have to continue to work in a job you hate, even if a recession is occurring.

It means your heart gets to drive the engine! It means you get to choose how you design and live your life.

Don’t Play by Someone Else's Rules

I also want to really encourage you to tune into your own heart desires when it comes to what you want to create financially. This is the cornerstone of my Julie Murphy work because when we neglect our heart, our income and wealth suffers.

So what does this mean?

It means not making knee-jerk financial decisions based on what’s trending or what you’ve been told to do by someone else.

It means focusing solely on what you want to create. Leading with your heart to determine if that financial choice really aligns, and then bring in the smarts to assess the viability and the potential strategies.

Playing by someone else’s rules is something that can also happen on a subtle level. Start to look and observe where you’re engaging in ideas set by someone or someplace else.

I like to give the example of Starbucks. They regularly hold ‘deals’ during specific days or times of the week where it might seem like an opportunity to go and get your fill of that new drink that everyone is talking about, but oftentimes, when we show up to take advantage of that deal, it’s not actually aligned with what we want to create in our financial life.

Yet, we still plug into that and operating in this type of reactive mode can be at the core of many millennials’ financial problems .

And I get it because I’ve done it too!

So now, stand in your power! You deserve better! Take your control back and notice how when you lead from your heart and then bring in the smarts, that incredible life of Real Wealth really begins to unfold!

Changing Your Mindset For Success

julie@juliemurphy.com (Julie Murphy) — Tue, 04 Oct 2022 10:00:00 GMT

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Have you tried every piece of advice and trick in the book out there to shift your mindset to one of success? But with limited results?

This is because to change your mindset and achieve anything, it goes far deeper than scratching just the surface level. You’ve probably at times felt that surge in motivation but it’s fleeting, right? I get it!

So how do you change your mindset and achieve anything?

It’s time to go inwards.

It Has to Come From Your Heart

Achieving success has to come from your heart - it has to fully land in your heart . We’re so used to operating with our logical left-brains that we become overwhelmed and our hearts get left on the sidelines!

So how can we change your mindset ? Well, first of all, are you in alignment? The moment we fall out of alignment and make decisions based purely on logic or what we feel we ‘should’ do, our nervous systems contract. So what makes it so your nervous system doesn’t get hijacked?

That is the path you need to follow.

It’s about intentionality. Our intentions are the cornerstone of absolutely everything.

Let’s say you’re looking to shift your mindset and create more success around your finances. If you’re setting goals or intentions that don’t actually feel good in your heart and in your body, but ones that you feel you ‘should’ set, let me tell you, something will suffer along the way.

Or, you’ll be doing all the mindset work, yet still find yourself in that pattern of overspending or creating leaky financial containers.

So why is that?

It’s because our suffering patterns and cycles are a symbol of unfelt emotions. Even if you’re doing all the practical things, if you haven’t taken the time to feel through those unfelt emotions buried in your subconscious and feel through to the other side, you won’t get the results and the manifestations that you really desire.

Something I recommend if you’re struggling to shift past any emotional blocks, is try some form of energy work to move it out of your body.

We are all Fourfold beings made up of the spiritual, emotional, mental and physical and all of these pillars have to be addressed. This is the key to changing your mindset for success .

After all, we can’t live in the present moment when fixated on the past, which is what happens when we’re blocked emotionally.

Follow Your Giggle!

Now let me ask you, what makes you giggle?! Sound crazy? Hear me out on this one!

The giggle is so important because it activates those feel-good, high vibration emotions where you’re attracting that back. It’s where everything seems to flow and your nervous system feels calm and neutral. Yes, action will need to be taken to achieve the success you desire but doing this through the lens of following your giggle, just watch how things fall into place!

In my Julie Murphy brand, I’m all about following the giggle because I’ve witnessed countless times with clients and in my own life the miraculous shifts that can occur when we do!

The ‘work’ that does have to be done feels lighter in the body. The whole process flows with ease and grace.

Tune into Your Feminine Energy

Much of the mindset world talks about ‘doing’ and ‘striving’. So now, I want to challenge you to approach it in a different way.

Tune into the power of your feminine energy. Yes, I’m asking you to move from a place of pushing, doing and perhaps getting burnt out, to listening to what's coming in. When you start to become open and tune in from a place of empowerment. When you embrace your multidimensional self.

Oftentimes, inner happiness is a core piece that’s missing. This is when we can turn to old patterns such as over-spending to try and fulfill unmet emotional needs, as I mentioned earlier.

When you are in flow and in alignment, everything just shows up! All it takes is a few fully conscious decisions on the right path. Decisions that are aligned to your highest self and what you want to create! So when asking how do I change my mindset to positive , it’s about knowing that you are the creator of your life and focusing purely on what you want to create.

Not getting distracted by the outside world or other people and being intentional about what you want to create every step of the way.

Writing down what you want to create to achieve success and your intentions can also be incredibly helpful. Energetically, this is you fully declaring your desires.

The Challenges Will Come Up

When we look at how to change your mindset and achieve anything , this is also being willing to accept that challenges will come along the way. A shift in mindset takes place when we rewire our neural pathways and take different actions. When instead of reacting to the challenges, you consciously choose to step into them - in your truth and from a place of empowerment.

This is where you’ll start to see results! I have an abundance of tools, resources and programs if you’re looking for extra support on this piece.

So now, let me ask you this; how are you ready to step into your life from an empowered place? How can you make decisions from that standpoint, that are all woven in your truths?

Redirect your focus entirely on what you want to create. What makes you feel lighter? Do the energy work and if you’re creating your past over and over such as through your spending, make it so that it can’t happen. Disrupt those old pathways!

This is how can we truly change your mindset  and you can create that life of Real Wealth you desire. If you’re looking for some more immersive guidance on this, please go ahead and take a look at my coaching offerings .

And if you enjoyed this post, don’t forget to share on social media and with your friends!

How to Find the Right Financial Advisor for You

julie@juliemurphy.com (Julie Murphy) — Tue, 27 Sep 2022 09:45:00 GMT

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So you’re ready to find a financial advisor? This can be a great move, especially if managing your finances and knowing how to plan for your future is a slightly grey area for you.

With the sheer number of financial planners out there, I’d really encourage you to do your research when asking how to find the right financial advisor for you. And I don’t just mean credentials!

Why?

Well, because like any partnership, you have to think about what you desire the energy of that person to be and the dynamic of the relationship. How you want to feel in their presence.

Be Intentional & Always Ask Questions

When someone asks me for advice on how to find the right expert for them, there are usually 3 categories these fall into. I call them Normal, Tweeners, and Esoteric experts.

These are professionals with special knowledge and techniques who can assist you in your financial, work, personal, family, and spiritual life. The first category are those resources I consider “Normal” options in the traditional financial world.

These are mainly the popular and socially acceptable professionals. They can be certified public accountants (CPAs), certified tax preparers, bookkeepers, or even TurboTax software.

You might also speak with business attorneys, estate planning attorneys, employee benefit specialists, mortgage brokers, qualified retirement planning specialists, and real estate brokers. All of these can help you out with very specific financial areas.

Your choice of financial expert will mainly depend on your habits, choices, and purchasing decisions.

So never be afraid to ask questions!

When asking yourself what to look for when choosing a financial advisor, put your own desires first and stand in your personal power. Your relationship with your financial planner should be taken as seriously as any other partnership.

There are many financial advisors who like to follow the more traditional, inside the box, standard models of financial planning, but if you’re reading this and familiar with my Julie Murphy work, perhaps that doesn’t quite land?

If you’re someone who is tapped into your heart, who desires to do things a little differently from the traditional methods, a financial planner in that category I’ve just described might not be the best fit!

Aligning with What you Want to Create

Instead, you’ll want to look for someone who can offer solid financial advice while meeting you where you’re at. Many of my own clients have seen previous financial advisors who look at things purely from the perspective of the financials.

The advice they’ve given might be sound, but somehow it hasn’t resonated because the expert hasn’t approached the money piece on an emotional and holistic level.

People often come to me feeling constrained to a budget, overwhelmed with investment advice that isn’t aligned or despite having their money taken care of, are still deeply unhappy with a part of their life. They might still have leaky financial containers that are rooted in an unfelt need and emotion.

Remember, your money is a result of everything else going on in your life. So when I work with people, this is often where we start because then, the tactical parts of money management, investment decisions and retirement fund options flow in alignment with what the client wants to create.

Tune Into Your Heart & then Bring in the Smarts

When considering what to look for when choosing a financial advisor, I encourage you to have conversations with a few experts in the field. Look at their credentials, testimonials and find out the type of people they’ve worked with.

Take into account what they say while consulting your own feelings and thoughts. Tune into your heart and then bring in the smarts.

Both people involved need to understand the “why” behind what you are doing.

What are your intentions? Does the type of advice and process your potential financial advisor offers and follows align with those intentions? Check to see if what they recommend fits your intentions for what you want to create, then think about what’s right for you. Avoid any knee-jerk reactions or quick fixes!

If you’re someone who like many, the word ‘budget’ makes you contract and always seems to backfire, set the intention to find a financial planner who can help offer you advice that meets your financial needs and desires, and who can find ways to implement money management that gets you the results you want and still makes you feel safe and empowered about your financial choices.

Or, let’s say you’re uncomfortable with the amount of money in your retirement fund, consult with an expert in the field for more options that align with what you want to create in your retirement years.

Are there Emotional Blocks that Also Need to be Worked Through?

Where I’m a little out of the box as a financial planner, but has become a core part of how I get my clients living the life of Real Wealth they desire, is that I’ve developed strategic relationships with professional healers who assist in other areas that all play into the financial piece. These can include overcoming blocks, breaking behavioral patterns and working through health-related challenges.

Your money is a result of the energy you’re vibrating at in all other areas of your life. This is why you need to build that safe container around you, feel through your feelings and break the suffering patterns that are showing up in your money - and your actions around money.

Perhaps you have leaky financial containers and so working through your unmet or unfelt emotional needs can pinpoint why. Once this part is addressed, your financials can shift radically!

These are all things you can consider when knowing how to find the right financial advisor for you and when thinking about managing your unique bigger financial picture.

How to Thrive in the Macro Economic Environment

julie@juliemurphy.com (Julie Murphy) — Tue, 20 Sep 2022 07:20:55 GMT

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With everything that’s going on in the macro economic environment in today’s world, it can be a challenging time.

Your fears and anxieties around money might have been heightened because the world is operating - on many levels, in the energy of scarcity.

What if I told you though that you can thrive financially, despite everything that is going on?

Whilst you can’t change what is happening, you can choose to change how you react to it.

Building Wealth From the Ins ide Out

You can choose to make different decisions. You see, this is why I’m big on building wealth from the inside out . The way I like to work with people; particularly around their money, is to help them make aligned financial decisions that enable them to thrive despite everything that is happening in the world - in their immediate environment and the world at large. To insulate themselves financially and build a safe foundation for them to be able to thrive no matter what is going on.

Perhaps the economy and rising inflation has highlighted to you that you don’t have that safe container? Maybe it’s bringing up all kinds of emotions for you. If so, now is an opportunity to spend some time with yourself and really tune in. I encourage you to enquire within; to ask why?

What has created those patterns around your finances - it could be overspending or earning your money doing something you really dislike and now feeling trapped because you don’t have the financial flexibility to do something you really want to do?

Where have you negotiated yourself away? Where have you left yourself and your heart on the sidelines?

Here’s the thing and possibly a hard truth; your money stuff can’t be blamed on the macro-economic environment.

Breaking Down Your Financial Life

Our financial lives can be broken down into 3 parts; our financial past, our financial present and our financial future. If you’re creating too much financial past and that is now more apparent than ever, get curious on why that is?

Inner happiness is often a core piece that’s missing. This is when we can turn to old patterns such as over-spending to try and fulfill a subconscious unmet emotional need.

This is why in my Julie Murphy work I’m so passionate about helping people set up their finances in a way that allows them, wherever they’re starting from and whatever their income, to allocate their finances into those 3 parts so they are free to live in the present moment and focus entirely on what they want to create.

Focus on What you Want to Create

Let me tell you; when you implement these types of strategies, are in flow and alignment, get truly relentless about what you want to create and start to build your wealth from the inside out, everything just shows up! It doesn’t matter what’s going on in the economy.

All it takes is a few fully conscious decisions on the right path. Decisions that are aligned to your highest self and what you want to create.

So if you’re experiencing fear and worry about the economy, it’s your job - and now more than ever, to get in the observer state of your unresolved patterns, because they will come up. Mark my words, they’ll show up in your money , your personal world and in your family life.

Something I often witness with clients is when they’re challenged to stand in their truth. Time and time again, they’ll be tested to stand in their truth! The challenges will keep appearing to guide them. And along the way, if they wind up with unresolved emotions such as sadness, anger, depression, anxiety - these are remnants of what is left over as they’re moving through this process.

Step into Empowerment & Stand in Your Truth

For you, it's about choosing to step into those challenges, to stand in your truth and to do so coming from an empowered place.

Let me now ask you; how are you ready to step into your life from an empowered place? How can you make decisions from that standpoint, that are all woven in your truths?

When it comes to your finances, now is the time to create full awareness of the flow of your money. What exactly is coming in and going out? Even the act of doing this takes you from being a victim of the macro-economic environment to being empowered. To feel aware of knowing what your finances look like and not participating in the energy of burying your head in the sand!

Next, it’s about making conscious and again - empowered decisions about where you want to make your adjustments. About where you choose to let go of some of your expenses or outgoings in favour of building your financial container and creating abundance. How you are going to allocate to your financial past, present and future.

Put Your Finances on Autopilot

Then, put it all on autopilot. Arrange to have your money deposited into your various buckets automatically so that you can focus on living in the present moment. There are too many distractions in the world that take us away from the present moment and what we want to create in our life. So make it easy for yourself and use this type of system to your advantage!

I talk about this process and how to tailor it on a much more detailed level in my books, courses, videos and of course, with my clients . I encourage you to take a look at all the resources I have , which will give you everything you need!

All you have to do to thrive is to firstly decide that you are not a victim to the macro economic environment. From today, start by making empowered, conscious choices. Ones that you choose from your current reality and from your heart. Yes, they might be hard but step into them. Don’t step away or bury your head in the sand!

Instead of consuming media that emphasizes the negative or talking that way yourself about the economy, redirect your focus entirely on what you want to create. Choose not to participate in the noise. You can be aware of what is going on without engaging in the energy of it.

Disrupt Your Old Patterns

When you’re making your decisions, whether these be financial or in other areas of your life, tune in to what makes you feel lighter? I’m big on using the power of energy work such as Rapid Transformation Therapy or Hypnosis to help shift past trauma, and this is something you could also look into as part of your own process.

If you’re creating your financial past over and over such as through your spending, make it so that it can’t happen. Leave the credit card at home or in the freezer! Only take out cash. Challenge yourself to hold cash instead of spending it. Disrupt those old pathways and make it a fun process! I have many tips on how to disrupt those old patterns on my YouTube channel.

Most of all, do all of this with compassion and without any shame, blame, guilt or judgement. Thriving is about accepting your current reality and then making aligned choices that pave the way for those big quantum leaps and that keep your nervous system in neutral. You don’t need to keep reliving your past and in those suffering patterns. Choose instead, to stand in your truth.

The time is now so make that intention to start today. Go after what you want to create and be truly relentless!

If you enjoyed this post, let’s connect more! Please make sure to Join me on my Youtube channel and my social media where I post multiple tips each week on how to create your life of Real Wealth.

How to Handle Fear Around Inflation and Interest Rates

julie@juliemurphy.com (Julie Murphy) — Tue, 13 Sep 2022 10:16:12 GMT

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Are you tired of feeling this intense fear around recession, inflation and interest rates?

Are you feeling like you’ve worked so damn hard all your life, you’ve done right by everyone, you’ve showed up every single time and now……. you’re tired. You're burned out. And yet, because of the situation we have going on in the macro-economic environment, you now have to spin your wheels even more?

I want to let you know that it doesn’t have to be this way.

Take a deep breath. Centre yourself and calm your nervous system. Today, I want to show you how to move from a place of exhaustion, fear and worry to one of ease and abundance.

Yes, you heard me right - abundance!

The thing is, whilst we can’t ignore all the things that are happening in the economy, we have to stop approaching our financials from the outside, and instead, start to design our world from the inside out.

When we’re reacting to the threat of a recession, to rising inflation, to interest rates, to the ever fluctuating stock market, to increased real estate prices, we don’t make smart choices.

All of those things in the financial world are indeed happening, but they’re factors you should be observing - not reacting to.

Why?

You can’t do anything about it. Whatever the ‘noise’ is that you’re reacting to, now is the time to take a step back. If you’re reacting to it, you’re not going to make considered, conscious decisions. It’s been proven by scientific experts time and again that our intellectual capacity decreases when our nervous system is hijacked.

Basically, you make dumber financial decisions!

The key is always in finding ways to get your nervous system back into neutral. And look, it’s no surprise that many of us are jacked up on cortisol! We’ve been on high alert for some time now. The pandemic, the situation in the Ukraine, inflation on the rise , bills are increasing, kids trying to transition back into school……

It’s been a lot.

Despite all of what is going on though, we can still thrive. We can still be abundant because everything is energetic. To be vibrating on that energetic level of abundance, we have got to keep our nervous system calm.

Have you heard of the Fourfold being? These are the four parts of ourselves made up of the physical, mental, emotional and spiritual and all have to be nurtured.

So then, when it comes to making those more practical and smart financial decisions, we can do so in a way that insulates ourselves from what is occurring in the macro-economic environment to create a safe container. By doing this, we’re helping our nervous system and we’re not going to make decisions based on our emotions. Or based on knee-jerk reactions.

As I always say, we either work things out or act them out and at times like this, can easily manifest in the form of over-spending and creating a cycle of debt.

An unhappy marriage might lead to buying a bigger house in an attempt to feel better, then realise you’re struggling to make the payments when you don’t get that bonus.

There’s a ripple effect created from each one of our financial decisions. We create too much financial past in our debt structures and we can’t live in the present moment to adjust to the economy, while also building our financial future.

We’re not interrupting our old system and patterning.

When I work with clients, I want them to clean up their financial past, while also working on their financial present and their financial future all at the same time.

If you’ve had debt, have you ever tried to pay it all off all at once, leaving yourself no reserves for when unexpected expenses arise? The cycle begins all over again because you have to default back to debt.

Of course, I want you to pay down your debts! But keeping your nervous system in neutral, insulating yourself financially and building that safe financial container means being able to pay off your financial past, while also allocating for the present moment and towards your financial future.

This creates balance. It creates sustainability.

In my Julie Murphy work, I’m big on the simple things such as making sure you’re consuming alkalizing foods. When your body is acidic, your nervous system is more hijacked. So help yourself out in easy ways by making conscious swaps. Fruits and vegetables, less caffeine, essential oils, Ayurvedic oils……

Do what you can to help your physical body and feel your feelings all along the way.

Try some meditation or walks in nature. This will help you create a state of neutrality in the present moment.

The volatility is not going to stop. As an example, the stock market has a 10-20 percent down period in any 12-month period of time. We can’t control the stock market, inflation or a recession.

What we can control is how we respond and the actions we consciously choose to take. We can make empowered choices despite what is happening on the outside.

If we don’t handle our physical, mental, emotional and spiritual selves - plus of course our relationships, we won’t respond to all of these external factors in a healthy manner.

So now is the time to shift from a place of fear to one of neutrality. To one of abundance and alignment! That is when you make smarter decisions and you can move through whatever is happening on the outside with ease and flow.

If this post has helped you, don’t forget to check out my books and courses as well as my coaching programs . My passion is helping you to live a life of Real Wealth - a profound sense of freedom in all areas of your life, regardless of what is happening in the economic world!

How to Overcome Your Fear of Debt

julie@juliemurphy.com (Julie Murphy) — Mon, 29 Aug 2022 10:00:00 GMT

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Are you tired of feeling overwhelmed with fear around your debt? Perhaps you’re living paycheck to paycheck and can’t seem to find your way out of the debt cycle?

Does debt seem to follow you around and no matter how hard you try, you just can’t break yourself free of it?

I get it and I want you to know I have full compassion for where you’re at.

Regardless of the debt you might have in your life, what any debt represents, is a lack of personal freedom.

Does this resonate with you?

Now let me ask you; how do you feel about your debt?

How to stop worrying about debt and the key to building wealth from the inside out is to really get these feelings you have around debt up and out of your body. This piece is fundamental to your financial healing - and to work towards becoming debt-free, because the emotions you’re feeling around that debt are offering clues to your unfulfilled needs.

Now, I’d like you to close your eyes. Take a deep breath in and breathe out slowly. Repeat this three times.

This will help you drop into your heart.

Say the words ‘I am safe. I am safe. I am safe.’

How does that make you feel? What is coming up for you?

I know there’s probably a part of you inside - because of an emotional unmet need, that doesn’t feel safe , so when you say it, you’re activating the unsafe parts of yourself to come up and out. Notice where you feel this in your body? Where are they stuck?

Whether you have mortgage debt, car debt, corporate debt, loan money - these are all representative of your financial past . Wherever the debt is coming from, it’s a heavy load.

The way to overcoming debt depression and achieving financial freedom is not by sticking to a strict budget to facilitate paying off your debt. Of course, there has to be some structure in place, but first, getting to the core reason why that debt has been created is where the quantum leaps happen.

You have to feel the feelings associated with debt and feel those unfelt emotions by shining the light on them.

I talk about this in my books Awaken Your Wealth, The Emotion Behind Money and in my new upcoming book, which I’m excited to release very soon. I talk so extensively about the emotions associated with money and debt in my Julie Murphy work because I know that the only way to the other side, is to feel the feelings you’ve avoided that have actually created the debt in the first place.

Debt is just a distraction. You’re using debt to avoid feeling the feelings.

I hear so many times in my work where clients have completely changed their spending habits once they’re out of an unhappy marriage or a job that drained them. The spending hangovers they created were no longer needed as a way to soothe that unhappiness.

This is why we have to really identify and feel those feelings to see where in life we’re out of alignment, so that the debt cycle isn’t created all over again.

I want to reassure you that this is systemic and it’s happening on a global scale. We’ve all heard of lottery winners who pay off their debt and then go on huge spending sprees. Yet, a few years later the debt has been created all over again.

Why? Because the emotions are still being avoided .

We use debt instruments and experience a lack of freedom because we’ve given our power to the banks, to our employer, to the government, yet, it has nothing to do with any of these institutions or people. It’s down to you. The debt you have and your feelings around it, such as a fear of mortgage debt, is a signpost telling you that it’s time to step into the part of yourself that’s no longer distracted by your emotions.

I’ll say it again. The only way to do this and overcoming financial fears, is to feel the feelings.

What these usually boil down to:

‘I don’t feel loved’

‘I don’t feel worthy’

‘I’m not enough’

It’s from these places where you’re triggering. It’s understanding these unmet needs can’t be met externally. They can only be met by you.

Which is great news, because it means that you hold all the power! Not the banks, not your employer and not the government.

So many of us are afraid to step into the unknown and align with the place we are today. But when you take that leap, you will be rewarded in so many ways!

I challenge you now to take a step back and poke the bear. What do I mean by this?! It means to be willing to go and sit in a quiet space, close your eyes, take 3 deep breaths and repeat the words ‘I am safe’.

Then write down the emotions that arise.

The thing is, we look at the wrong drivers, we choose the wrong fuel source. Now is the time to step away from choosing from the place of your past trauma or your conscious, left-brain, logical mind.

Instead, it’s time to get in tune with your heart and soul. How you choose to create your life and decisions have to come from the heart.

Release the emotions that are keeping the debt structures in place or repeating them. Use this as a tool to move it out of your body! Shine the light and process the emotions.

Now is the time to unplug from those old patterns and start to thrive! You deserve it! You deserve financial freedom. You deserve to build that safe container and solid foundation and work towards your life of Real Wealth.

Finding the Motivation to Change Your Entire Life

julie@juliemurphy.com (Julie Murphy) — Mon, 22 Aug 2022 10:00:00 GMT

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Are you in a place where you feel like everything in your life needs to change? Where you just want to completely start over?

Does the idea of financial freedom, doing work you love, time with family and vibrant health seem like a distant fantasy?

So let me ask; why is that?

Many people, like you, feel that motivation is a barrier. Perhaps you get excited at dreaming the big dream but when it comes to following through and taking the action, this is where the old routines, habits, thoughts and feelings take over and you find yourself back in the old cycle. That spur of excitement and motivation rapidly dwindles.

I hear you and I get it. So I’m now going to show you how to overcome it and actually begin to plant those seeds for change and for what you want to create!

I firstly want you to change your perspective on this idea of motivation. Instead of asking how to motivate yourself to change your life, I want you to look at it through a different lens.

Because here’s the thing; it isn’t really about motivation at all.

Of course we don’t feel motivated because if we’re not making choices from our heart, in alignment and ones that allow us to expand into the life we want to create, we have nothing to ground ourselves in.

Instead, we often operate from our left, logical brain and react to the world around us, leading to debt, to jobs we don’t like, relationships that drain us and of course, our physical, mental, emotional and spiritual health is only a reflection of all of these things accumulated. We stay in our suffering patterns and continue to plug into the things that lower our vibration.

To change your life for the better, it’s about unplugging and taking those small steps to really focus on the bigger picture of what you want to create, and those things that land in your heart.

And the things that make you giggle! That feel easy, expansive and joyful!

Many people come to me feeling the same as you and I have something I believe is really going to help you today.

If you’re familiar with my Julie Murphy work, you might have heard of my PACT Process - a framework that I take all my clients through.

Here is a breakdown of the PACT Process:

P: Picturing Yourself

A: Accepting Your Reality & Awakening Your Authenticity

C: Choosing to Change

T: Take Action

Picturing yourself is unplugging from the noise of the world, of other people, of your partner, kids, boss and society and dropping down into your heart. Allowing yourself to picture yourself in the reality that is fully aligned with your soul. Oftentimes this feeling of ‘lack of motivation’ is because you’re striving to live a life you don’t actually love and so of course, the actions just don’t stick.

This is now your opportunity to dream differently! To dream the life you want to create.

Accepting Your Reality & Awakening Your Authenticity is about creating that space by accepting what you’ve already attracted in your life. The debt, the job, the health, the relationships - all of it. Now, I get this is a tough pill to swallow - I really do! But the acceptance piece is what opens up the emotional space and actually, one of the most important parts of how to motivate yourself to change your life.

Why? Because we have so much resistance to acceptance. Yet, it’s the key to the breakthrough.

Choosing to Change is then coming from that place in your heart and accepting the reality of what you have created in your life, you now choose to respond differently to be in full alignment with what you want to manifest, attract and build.

As you are choosing , you don’t need to even think about motivation! If reducing your debt means choosing to change the structure of your finances, this is coming from a place of empowerment and joy. You are choosing to feel safe to hold money, to not overspend and to build your wealth.

You are choosing to create more work balance , to fuel and nourish your body to a place of better health, you are choosing to stand in your power and start doing more of what you love!

And finally, Take Action is where you take the practical steps. Think of this like learning to build those muscles. It will feel strange at first but this is a great thing! It means your energy is shifting.

Every time you shift and shed those old layers, your manifestations get bigger and you’re building the muscle of expansion. When you change your behaviors, when you change the structure of how you do things and when you open up in your heart, just watch how things come in! Just watch what can change in your life!

You are not flawed, you don’t need to be healed, you just need to open up. This is the essence of how to change your life for the better.

So motivation, who needs that?!

If you’re curious to hear more about my PACT process, please take a look at my products and coaching programs , where I walk you through the entire framework in detail.

So now you know that by changing your perception, this is how to motivate yourself to change your life.

It’s all out there for you, you are incredibly powerful! Now is your time to step into that personal empowerment and truly go after what in your heart, you really want.

How to Save Money to Reach Your Big Financial Goals

julie@juliemurphy.com (Julie Murphy) — Mon, 15 Aug 2022 10:00:00 GMT

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Let me ask; are you wondering how to reach your financial goals but frustrated because you can’t seem to stick to a budget?

Month after month, when money seems to go out the door faster than it comes in, are you filled with blame, shame, guilt and judgement?

If so, I hear you! And what I’m going to say next might surprise you……

I want you to backdoor your budget. Yes, you heard me right! If you’re the type of person who doesn’t care to meticulously monitor what comes in and out every month because it feels too restricted, let’s park that idea and instead, choose something that makes you feel more expansive.

Why? This will help you move forwards in your life and your finances, whilst holding a safe container for yourself. A big reason why saving money is important, is because aside from the freedom that comes with building wealth, it also helps us shine a light on how our emotions are playing out through our money.

Ready for one of my major tips on how to save money, while helping you identify some of that emotion around your money?

If you’re regularly using your credit card to pay for something, try paying cash for that same item instead.

This is a powerful exercise and an immediate way to start saving money because when we slide a credit card, we don’t internalize it emotionally.

It doesn’t drop into our system or trigger any emotions. Dropping a $100 bill - well, that’s a different feeling entirely, right? That lands in our emotions and we experience a whole new thought and emotional process about what we’re choosing to spend it on.

Give it a try!

I now want to tell you something else that will probably surprise you……

The shame, blame, guilt and judgement you feel has nothing to do with your budget.

These emotions exist because there’s something from your childhood trying to come up and it’s manifesting through your cash flows. So how do we shift this? How do we take you from a place of restriction to one of expansion and see those numbers in your bank accounts building?

Let’s start by being more aware of your perspective. Backdooring your budget is about reframing. Try asking yourself instead ‘How do I want my cash to flow’?

What does this do? Well, it shifts you from a place of ‘I can’t do it’ to ‘Oh, now I see that I am the controller of my life and I do get to choose.’

Step into the story that you choose, instead of the one you’re choosing to be a victim of. It’s as simple as that.

I’ve seen this time and time again. People stay trapped in the story of how hard it is to save for retirement or for the future, yet when it’s time for those big heartfelt purchases such as getting married or buying their first home, they find the money every single time.

Why? They stepped into their power because their heart sang and they decided to shift their perspective and make different choices instead of being on autopilot, when we’re not always choosing the life we desire.

I’m fiercely passionate about helping you choose the life you desire through these alternative shifts in perspective. This forms the entire basis of my Julie Murphy brand because I understand just how pivotal it is!

So, let me ask you; are you ready to own who you are? Are you ready to step into what makes you feel expansive?

What if instead of feeling tied to a budget, you make sure you’re simply choosing not to build up more debt? You’re choosing to not plug into more scarcity and saying screw it to the banks controlling your life.

You deserve a life of Real Wealth and you are the only one who can step into that energy and embody it.

Now, instead of a budget, let’s create more awareness about where your money is coming in and where it’s going out. Writing that down can be helpful but you see, when you shift your perspective entirely on what you want to create instead of remaining in the story of scarcity, you can do this exercise and create that awareness from a place of neutrality.

It’s as simple as asking where do you want your money to go? Perhaps now, carving off a little from your monthly spending so you can allocate that elsewhere towards something that feels expansive, won’t feel like restriction. Instead, it will feel empowering.

Why is this such a profound shift when asking how to reach your financial goals?

It creates a safe container to give you less money to spend each month. It safely helps you get used to living off a lower amount each month to allocate space for what you truly want, in your heart.

One of my core ‘how to save money rules’ is just that; building the safe container to keep your nervous system in neutral.

It’s so important that we pay attention to what’s going on in our nervous system and get back to the energy of neutrality. So, I also want you to tap into that and trust your own body intelligence.

You might be wondering what the hell that has to do with your money and again, I hear you!

When you trust your body and when your cortisol is regulated, the financial adjustments will be no problem. You’ll see! You’ll refrain from contracting because when you contract and you have all that cortisol shooting through your body, you block things coming to you. Your manifestations can’t unfold through a contracted system.

This is also why I’m relentless about helping you see why saving money is important. It’s so much more than money. It helps us tune in to our body’s wisdom and regulate our nervous system to make more empowered financial choices that feel expansive, exciting and joyful on every level. It’s where the quantum leaps really start to happen!

So, let’s get you to that place of Real Wealth and reach those big financial goals of yours! And of course, if you want to go deeper, be sure to take a look at my books and courses .

I’ll see you back here next week.

And as always, if there’s someone you know who needs to hear this, I’d be so grateful if you shared it with them.

Love,

Julie

How to Change Your Mindset to Face Overwhelm

julie@juliemurphy.com (Julie Murphy) — Mon, 08 Aug 2022 10:00:00 GMT

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When you know you want to create changes in your life, it can be easy for that sense of overwhelm to take over. We can dream the big dream, which I’m all for! When it comes to the taking action part though, this is when overwhelm can catch us and stop us in our tracks of creating that life of Real Wealth – a profound sense of freedom in all areas of life that you hear me talking so much about.

The Power of Mindset

Mindset is a primary piece of working through overwhelm as you need to be conscious of your ‘why’, your greater vision. It’s being willing to embody a mindset of change, possibility and opportunity to identify and then feel through the subconscious beliefs we have that are preventing us from creating the life we love. To accept the reality of where we are right now and trust that with a change in approach, we can choose differently.

The importance of spirituality (and spiritual practices that resonate with you ) also come into play here. There are so many incredible tools that can help us tap into the part of ourselves that we’ve been avoiding since the age of 7, when many of us have experienced some kind of rejection or trauma that we often unknowingly carry with us through life. This plays out through our money, health and our relationships.

Working through overwhelm therefore means adopting a mindset of exploration with ourselves. To make ourselves a priority , get truly curious about our subconscious beliefs and to understand the benefits of spiritual practices and how they can help us reconnect to our heart, our soul essence and embody that on every level!

Then, we don’t need to worry about being overwhelmed because we know that each decision we make and every step we take to that life of Real Wealth is leading from our soul.

The Importance of Spirituality

You might be thinking ‘Hey Julie, you’re the money chick and you’re telling me to be spiritual?’ I’m not afraid to be bold in saying that I’m a disruptor - I get results and people often come to me for help with their finances after they’ve seen so many other financial planners. Together, we not only change their financial life - but create freedom in all areas of their life!

My success in this field is largely down to me understanding and integrating the spiritual principles behind money and mindset, and helping my clients to do the same through my Julie Murphy work. So why be spiritual? This is why! You can put all the strategies into place but until you’re doing this from a place of self-love and alignment, something will suffer along the way.

Meditation is one immensely powerful tool and the importance of spiritual meditation or getting into a meditative state to connect to our heart is the path to working through overwhelm. The practice can also look different to everyone. For me, I do like to meditate in the more traditional sense, but I also find walking in nature and doing puzzles an equally meditative experience. Meditating is about reconnecting to yourself and detaching from the chatter of your left-brain that might be telling you what you want to achieve is too overwhelming, that getting out of debt is beyond your capabilities, that it’s too late to find happiness in a new relationship….

Those beliefs go on!

So, get meditating! Find a practice that stills your mind. Taking time to deepen your spiritual evolution will help you gain an understanding of what you need right now in this moment to reach the next summit.

Let’s Look at Those Leaky Containers

So many times, the reason I see people facing overwhelm is because they’ve created leaky containers , which stop them from getting where they want to be. This is where you’ll find money ‘leaking out’ of your financial buckets keeping you in debt, attempting to ‘keep up with the Joneses’ by living beyond your means or not spending, saving and investing in ways that are aligned with your heart-led financial intentions. Or, you could be financially caretaking for others such as your kids, family or friends.

When you see those funds leaking out of your accounts, I understand it can be overwhelming to know how to rectify that and perhaps feel like it’s out of your control. Let me tell you and reassure you now, it is all within your control! It might mean boundaries have to be set – with yourself and others and it will inevitably mean committing to yourself on an entirely new level. Shifting your mindset and being willing to accept the reality of these leaky financial containers is where the real change can begin.

This is when you start to adopt new thoughts and behaviours that align with the life you actually want to create and come from a place of pure empowerment! These are the benefits of spiritual practices I’ve spoken about today.

Making those changes won’t feel stressful or overwhelming because you’re doing it from a place of neutrality. The reason why I’m so passionate about the importance of spirituality when it comes to our money, is that spiritual tools shift your brain chemistry and therefore your mindset. You can make your desired changes to create a life you love from a grounded and heart-centred place. Your nervous system is operating in neutral, you’re not contracting or reacting and you can step away from those actions and situations that keep you in the suffering cycles of overwhelm.

If what I’ve written about today helps you understand that you have so much potential, I’d love to invite you to join me from August 10th - October 26th in my popular Launch Your Life group coaching program.

Within this group container of supportive, likeminded people, we will work on all pillars of your life to create that life you love and deserve. The results for past participants have been truly profound and so if you’d like that for yourself, here is your chance with the following discount codes:

Pay in Full: The regular cost is $1599 but with the coupon code awakenfullpay you will receive a $600 discount, bringing the total to $999.

Pay Monthly: The regular cost is $533 but with the coupon code awakenmonthlypay you will receive a $200 discount, bringing the total to $333 a month.

Within Launch Your Life, we regularly cover the topic of overwhelm and I will be there to help you bust through those blocks every step of the way!

You can sign up and enroll here: https://juliemurphy.thinkific.com/courses/live-coaching

The Connection Between Our Emotions, Money and Health

julie@juliemurphy.com (Julie Murphy) — Mon, 01 Aug 2022 10:00:00 GMT

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The reason why I’m so passionate about my work in the financial industry is because so many people aren’t aware just how connected our money is to our health. Everything is energetic and there have been countless times I’ve worked with people professionally as well as witnessed in my own life, where health and finances have suffered as a result of unfelt emotions and trauma.

The Connection Between Our Money and Health

I was called to write this post today, because I had the honour of appearing on Dr. John Bergman’s podcast ‘In the Know with Dr B’. The episode aired this week and our conversation demonstrated the profound correlation between the manifestation of physical health issues, our money and our emotions. Dr. Bergman educates people on how to address the physical, chemical and emotional pillars of our health to bring the body back into physiological balance, and as our conversation unfolded, I shared how connected our health also is to our money - and our feelings around money.

Why is this? Surely money is a separate part of our life altogether? We know logically that to create financial freedom and have our needs taken care of, we have to follow the smart advice, make the right decisions and then all is taken care of in that department, right? After all, there are plenty of wealthy people who still experience disease and suffering.

Well, we already know that for a state of poor health to be created in the first place, the body has to be in a state of dis-ease, of imbalance. We also know that emotional factors such as stress put the body into that state of inflammation and dis-ease, and so when you’re not living a life that you love, disease in your body will crystallize on a cellular level.

Leaving Our Heart on the Sidelines

This is why there are indeed many wealthy people who still go through poor health because despite having money, they can find themselves in a category of people I call ‘Rich but Empty’. They have done all the ‘right’ things with their money, saved hard and invested smartly, but underneath the surface, perhaps their marriage has caused them deep unhappiness. This person’s happiness and joy has been left to the wayside and although their finances are in great shape, this emotional suffering has created disease in physical form.

We might show up and do all the right things, follow all the rules, walk the path that was set for us, but we leave our heart on the sidelines. This is when a health crisis will appear.

Most of us experience some form of trauma or rejection before the age of 7, which is the core wound that then plays out through our relationship with money to avoid feeling the emotions connected to that trauma or rejection. These can often be subconscious and what many of us might even see as insignificant as an adult and brush off. However, those subconscious emotions are immensely powerful and can show up in various ways through our behaviours around money. For example, using credits and accumulating debt, being overly controlling with our finances, financially caretaking for others at the cost of our own needs and so on. Anything to avoid feeling what we really need to feel!

The behaviours can manifest in different ways, but regardless, there is always an emotional component driving those. So, when considering why you can’t seem to hold money for example, reflect on what else is going on in your life? You’ll know if you’re familiar with my Julie Murphy work, books and videos that I offer many strategies to take action on creating a life of Real Wealth such as how to hold money and reduce debt. Until you address the emotional side of your money first though, and look at what in your life isn’t in alignment and where you’re not tapping into your heart, the same patterns will play out, or you’ll swap one coping mechanism for another.

This is why I’ve seen clients such as the one who came to me to help reduce their debt and create a retirement plan, which they fully committed to, yet when they returned for their review, had gained 30 pounds in the process. When we tap deeper into what else is going on in their life, we often discover a suffering pattern of some kind as a result of an unhappy marriage, an unmet desire for children or dissatisfaction in a career.

It’s not until we shine a light on and feel through these unfelt emotions and clear them that we can live that life of Real Wealth – a profound sense of freedom in all areas of our life, where everything is brought back into harmony and there is no suffering in the process. This is when we can create abundance in our finances, enjoy wonderful relationships and feel incredible in our physical body. We can have it all!

The Magnetic Force of the Heart

A health crisis only appears as a way to align us with our soul and I firmly believe that we don’t have to call one in first in order to shift energetically. We can prepare and avoid that suffering by leading with our heart. Why our heart? We know through research from HeartMath.com that the magnetic force of the human heart stretches 8 miles. Yes, 8 miles! The magnetic force of the brain stretches 2 feet. So, let me ask you; which one do you want to make your decisions from?

If you want to create financial wealth, once you do this from a place of leading from the heart, this is when all the practical action steps stick because you’re making an empowered choice. You’re following your heart, are in full alignment with what you want to create and that is when you start to rewire your subconscious mind. Those old hardwired actions and beliefs around money clear in place for new ones that vibrate on that energy of Real Wealth.

The only way to get to the other side of what you’re going through is to feel the feelings you experienced as a child. The only way out is through and then you can begin to live that life of Real Wealth right now, wherever you’re starting from. Commit to changing how you plug into the world differently and take the action to do that. Be truly relentless about what you want to create!

This is how you enjoy a life of abundance and vibrant health and you don’t have to call in a health crisis first to attain that.

A huge thanks to Dr. B for having me on his show and talking about this topic that I’m so passionate about in more depth! Again, if you’d like to watch and listen to the preview video of the full episode, you can do so here .

Exclusive Opportunity to Work With Me & Launch Your Life!

I’d also like to share an exclusive opportunity for you to join me from August 10th - October 26th in my popular Launch Your Life group coaching program. This is where we will work on all pillars of your life to create and embody Real Wealth on every level. The results for past participants have been truly profound and so if you’d like that for yourself, here is your chance with the following discount codes:

Pay in Full: The regular cost is $1599 but with the coupon code awakenfullpay you will receive a $600 discount, bringing the total to $999.

Pay Monthly: The regular cost is $533 but with the coupon code awakenmonthlypay you will receive a $200 discount, bringing the total to $333 a month.

To sign up and enrol, you can do so here: https://juliemurphy.thinkific.com/courses/live-coaching

I look forward to seeing you there and helping you to fully Launch Your Life!

How Hypnosis & Rapid Transformational Therapy Transformed My Life

julie@juliemurphy.com (Julie Murphy) — Mon, 25 Jul 2022 10:00:00 GMT

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In today’s blog, I felt called to shake things up and do something a little different. I’d like to introduce you to someone who has helped me change my life in ways that I couldn’t have imagined - and I don’t say that lightly!

You’ll know if you're familiar with my work that as well as being ‘the money chick’, I’m all about energy! The struggles, blocks and suffering patterns we find ourselves in - whether this be around our money, our relationships or our health, are a reflection of what’s going on internally. They’re a result of how much we’re opening up from our heart. Of what layers still need to be peeled back. Of what limited beliefs might still be buried in our subconscious.

Everything is Energetic

Everything is energy and so finding ways to shift and clear that energy is how we create those quantum leaps. Energy work is the most transformative way to do that and I’m a passionate believer and advocate of many. Rapid Transformational Therapy is one modality that has created the most shifts in my life recently, and I’d love to share my experience with you.

I worked privately with RTT practitioner Lauren Barbara and also brought her into my Launch Your Life live coaching group to work with everyone in that container, as well as holding a powerful group hypnosis. And wow, how the energy went off the charts in that session!

To give you some background, I really wanted to tap further into my own subconscious mind and understand why I was holding onto suffering patterns and behaviours around relationships that I just couldn’t seem to clear. For each one of us, many of the traumas that play out in our lives today, already planted themselves into our subconscious minds by the time we’re just 7 years old. Where we find ourselves contracting, this is where our soul is trying to uproot those traumas.

Why RTT and Hypnosis is so Powerful

There are multiple tools we can use to get to the core of the subconscious mind. One of these tools is hypnotherapy and Rapid Transformational Therapy (RTT). The reason why it’s so powerful is that it cuts straight to the subconscious mind and works to reprogram it to create a different reality - as opposed to continuing in our suffering cycles.

For me, relationships are where I’ve faced the most blocks. My session with Lauren and the personalized meditation she created for me, have helped recover inside my own brain, the memories that have been playing havoc and how I respond to the world around me.

Uncovering My Own Blocks

There were 3 main memories that I got clarity on. The first, a pattern with my dad of feeling not enough, of always being told that I should have been born a boy because I was good at things. I was also repeatedly told stories of how my mother went through countless babysitters because I screamed too much as a child. Then there was another incident from a ride home from Wisconsin, that hardwired my mind into believing I couldn’t get my needs met by someone else, yet for my entire life I have always tried to.

One of the most standout elements I’ve been able to uncover is my pattern of blocking unconditional love from my mom because of the emotions I felt as a baby. My mom sadly lost the baby before me and so I subconsciously took on the feelings of fear that she felt about also losing me. This fear hardwired me to block all the unconditional love I received from her, and it’s played out in all my relationships. I saw them as transactional and believed to receive love, I had to do things to ‘earn’ it. I couldn’t be loved for me - Julie, just as I am. For 15 years, I’ve led a life based on conditional love.

How My Life Has Changed

In my RTT session with Lauren and the 21 days that followed using her customized meditations focused on clearing these memories and beliefs, it broke through that barrier. Scrap that, I’d say it busted through! It completely transformed how I plug into the world. I’m responding differently in my romantic relationship and it’s shifted the dynamic in the most positive way possible. This is just the tip of the iceberg of the changes I’m going through and the abundance I’ve attracted into my life.

The reason why I’m sharing my story and experience with you today, is that I know many of you are in the midst of your own transformation and might feel like you’ve tried everything, yet still can’t get to the other side. I felt the same way! This specific form of energy work can be a tool you can use to get through that. To create those quantum leaps and finally end those suffering patterns.

During your 2-hour session with Lauren, she’ll help you get to the core wound of your own blocks - whether this be around money, your relationships, your health, personal life or your professional life. After the session, Lauren will create a personalized meditation for you to listen to every day to rewrite those old subconscious beliefs and behaviours.

I only ever recommend people, experts and practitioners who walk their talk and get results and Lauren is no exception! So, if you too would like to have total transformation, Lauren has kindly offered my community and readers a 20% discount code to work with her. All you need to do is use the discount code JULIE to receive your 20% off when booking here:

https://stan.store/LaurenBarbara

Use the Tools that Work for You

Hypnotherapy and RTT are powerful forms of energy work that you can try and there are many more. It’s all about finding the tools that work for you and that clear the root of the blocks as opposed to just scratching the surface.

This is why I’m passionate about bringing in energy work into my Julie Murphy brand, with clients, and introducing this valued community to experts who specialize in various energetic modalities. All these people, I have worked with myself and their methods have created profound shifts in my own life and opening up process.

The more you open up, the more you align with your soul, why you came here and what you came here to do. You allow your soul to lead your life instead of it being driven by your personality and ego. And when you open and align with your soul, just watch and see how the abundance in all areas of your life - the essence of Real Wealth, flows in!

How to Achieve Financial Freedom

julie@juliemurphy.com (Julie Murphy) — Mon, 18 Jul 2022 10:00:00 GMT

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The sooner you start with the intention of creating financial freedom, the more you’ll be able to live in your true purpose and create that life of Real Wealth that I talk so much about. In today’s article, I’m going to share some tips and insights on how to achieve financial freedom, all while following your heart every step of the way.

Let’s Look at Your Financial Perspective

What you achieve financially is a reflection of how you’re operating on an energetic level, so let’s start here. After all, everything is energy and money is incredibly connected to our emotions. If you set out on your journey filled with despair and frustration about the amount of taxes you have to pay, the economy or your employer, something will suffer financially along the way no matter how smart you are with your money.

Instead of thinking about taxes with frustration, shift your perspective . What do paying taxes provide that you do agree with? Do they help to create more oneness or infrastructure? With your employer, what does that job they provide allow you to gain? Experience? Insight into what you’re really good at? Perhaps the income you receive actually helps to fund a saving intention and create financial flexibility later down the line for you to explore a more aligned career move.

It’s all about tapping into that power of choice and shifting your financial perspective. It’s the same as forgiveness, where you choose to release those low vibration feelings and actually, set yourself free. The more you practice this and embody it through what you speak, think and feel, the more you’re creating those new, positive neural pathways that make it a core part of who you are - and what you attract!

When you heighten your awareness, and make this a consistent practice, this is when you begin to magnetize your desires into your life and call in those manifestations! So, when I’m asked what are the steps to financial freedom, this is an optimum place to start!

How to Approach Saving & Investing

When considering the best way to save, the advice I give applies to everyone, which you can explore further in my Julie Murphy coaching, books and courses.

It’s firstly about awareness. Looking at the flow of your money to be confident that you’re living within your means and paying down any debts you might have, whilst also building up your savings in 3 categories; the short, mid and long-term. You can then create various savings buckets within each of those categories. By compartmentalizing your money in this way, you’re financially insulating yourself.

What do I mean by this? As an example, I always recommend people start a ‘maintenance fund’ bucket and have money deposited into that account every month on autopilot (as with all your saving buckets - having them on autopilot is your best friend). This fund can then go towards fixing leaks, replacing windows and general maintenance costs. Or, it can also be allocated for unexpected car expenses to give another example.

It’s for these kinds of costs that people often fall into the trap of relying on credit cards or loans, but if you have money set aside for that specific purpose, you’re not dipping into any of your other savings or falling into debt. You’re not relying on any financial institution and you’re becoming your own bank! Why financial freedom? Becoming your own bank is the ultimate goal! It doesn’t matter if you don’t have much to put into these various categories and buckets right now, as you can build on them as you go. What matters is the intention and energy behind them.

I also recommend that you set up online accounts with specific saving intentions and name those accounts. This part can be really fun and allows you to tap into that energetic level of abundance by aligning your desires to your saving choices. This can be for practical purposes as well as the fun, frivolous things that you might desire in the short-term! It’s all about embodying the energy of working towards what you want to create. You’re saving in a way that allows you to enjoy life now and live in the present moment, while also feeling completely empowered about what you’re working towards.

When it comes to investing, it’s of course about accumulating the right financial education and advice, but being aware of whether your investment considerations land in your heart. Just because you’ve heard that investing in NFTs is the big thing right now or someone you know had a great return on one of their property investments, do those things feel energetically aligned to you ? Take your time with it. Investing is primarily about observing as opposed to reacting. Tapping into your heart to feel into whether it feels right and then seeking the correct guidance and education to bring the ‘smarts’ in.

What Does Financial Freedom Mean to You?

Let me ask you; why financial freedom ? What does that mean to you? When you visualize the life you want to create, what would it mean for your professional life, your relationships and your health? I encourage you to take a moment here to be still and tune into your heart. What is it saying?

The reason I ask you this is that I’ve worked with so many people over the years who have set out with the goal of creating financial freedom at a young age, only to be disappointed and dissatisfied later down the line and find themselves what I call ’rich but empty’. Like you, they asked how to save and invest. They did all the ‘right’ things yet moved further away from their soul’s purpose. Consequently, something suffered in the process such as their relationships or their health.

Financial freedom ultimately means creating the power of choice and becoming completely financially independent in the short, mid and long-term so that you can also enjoy life today. Creating a life that you love - whatever that looks like, even if it goes against the grain! Even if it means being a disruptor! You can be a disruptor whilst also being incredibly financially responsible by following the practical steps I shared earlier.

Financial Freedom is Unique to Everyone

Financial freedom can look different to everyone. I encourage you to avoid falling into the trap of following what other people have done, even if it seems like the smartest route to take. If it feels wrong or off, it isn’t for you - at least in this present moment.

So, when you’re asking how to achieve financial freedom, set the intention to check in with yourself and the flow of your money very consistently because your desires will likely change and evolve as you do. When you create full awareness of exactly how you’re choosing to spend, save and invest, you’re also building a safe financial container so that you’re free to expand and grow. You’re free to explore and tap into what’s aligned! You’re free to change your mind!

What are the steps to financial freedom? Yes, it’s also about letting go! Allow yourself to have fun along the way and as I always say, follow your giggle! Creating financial freedom should be a fun, empowering journey ultimately leading to that life of Real Wealth, which offers you profound freedom in all areas of your life - your money, health and relationships. The sooner you start on the journey, you’ll be truly amazed at what you attract and are able to manifest!

The Importance of Financial Freedom in Life

julie@juliemurphy.com (Julie Murphy) — Mon, 11 Jul 2022 10:00:00 GMT

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Creating financial freedom is an area I thrive in helping people achieve because ultimately, it offers the power of choice. It provides flexibility and the ability to live a life you love, doing the things you love. The importance of financial freedom extends far beyond the numbers in your bank accounts, savings and investments. It’s about creating Real Wealth - a profound sense of freedom in all areas of your life. After all, you can be what I describe as ‘rich but empty’ and have all the material wealth, yet still feel a deep sense of unhappiness.

Working towards financial freedom isn’t just for those who have already amassed a significant amount of wealth either. Everyone will have their own timeline of course, but essentially, it’s about embodying the energy of financial freedom that will truly move the needle in your finances and in all parts of your life. Everything is energy and it’s all connected!

So why is financial freedom so important in life? In this article, I’m going to share more about the concept of the financial freedom movement and why it’s something I’m so passionate about helping people achieve through their financial intentions.

You Get to Call the Shots in Life

Perhaps you’ve found yourself in a situation where you’ve felt limited in going after something that speaks to your soul because you’re tied to a paycheck, are in a cycle of debt and feel like you’re shackled to the banks, the state of the economy and your employer? For that reason, you then feel that your life isn’t your own.

This is one of the most common barriers that prevents people from stepping into a career they love, exploring the world, spending the time they desire with family, or just having more time in general.

One of the major financial freedom benefits is having the ability to choose and to be fully in the driving seat of your own life. You don’t have to rely on the financial institutions, credit cards or your employer and you therefore don’t have to live with an underlying sense of resentment of that. You have gradually become your own bank and have created that safe financial container that insulates you from the economy at large. I’m always amazed at how happier and healthier people become once they’ve paid off their mortgage, or how the conversations with their employer shifts when they have enough saved to be able to leave if they so desire!

Financial freedom means being in control of your life and even when you start to take the smallest step towards that goal, you’ll soon notice how things in your life begin to change. This is because you’re operating on the vibration of financial freedom . Yes, you have that end goal, but you get to experience that feeling right now!

Financial Freedom is More than Just Money

The importance of financial freedom reaches far beyond the numbers. On a physical level, being weighed down by debt or feeling tied to the system is a huge part of what hijacks our nervous system, leading to dis-ease in the body and a cycle of suffering patterns.

When you pave the way for that financial pressure to ease, you can release what needs to be released and live in the present moment. You can keep your nervous system in neutral and deepen your connection to yourself, what you love and what you want to create. I’m sure you’ll agree, the value of this far exceeds what you have in your bank account!

The financial freedom movement doesn’t automatically mean being a millionaire either! People can attain financial freedom, while living on a very modest amount of money each month and enjoy a simpler lifestyle. In fact, I know quite a few people who have paid off their mortgages, have built up enough savings in their various financial buckets to ensure that everything is accounted for in the short, mid-term and long-term and can live quite happily off just $2K a month. For others, they desire more and that’s ok too!

This is why the financial freedom benefits are so unique to everyone. We all have different desires, dreams and goals so when you’re thinking about your own intention of financial freedom, I encourage you to really tune out the noise and pay close attention to what it means to you - in your heart.

This is what I help clients with every day, so feel free to explore my products and coaching offerings to take your own financial freedom journey to the next level.

You Shine a Light on Those Leaky Financial Containers!

I see just as many leaky financial containers with clients who earn $500k per year in income as I do with those who earn $40k per year. What do I mean by leaky financial containers? Let’s imagine a physical Tupperware box. Is that box sturdy, whole and can you clearly see everything in it, or does it have holes so that whatever is contained in it leaks out?

The same idea applies to our money. Many of us have holes in our financial containers where bit by bit, money leaks out keeping us in the cycle of debt, relying on credit cards, creating spending hangovers or paying out for things that just aren’t aligned with our greater financial intentions.

Some of these holes can also appear because we’re consistently financially caretaking for others. It could be that we’re always bailing our kids out of their own debt or being the one who picks up the check for dinner every time. Although in isolation, we can put these down to one-offs, oftentimes and if we’re honest, they’re actually happening on a regular basis.

By accepting the reality of what we’re creating financially, we can shine a light on it. We can do the work to seal up those leaky financial containers and like I mentioned earlier, this is about more than just money. It’s about feeling through those unfelt emotions that are playing out through our money and then making different choices. It’s often a process of setting boundaries – with others and ourselves.

The impact and value that comes with sealing these leaky containers is priceless yet of course is also one of the biggest financial freedom benefits from a monetary perspective. This is why the importance of financial freedom is about embodying that essence of Real Wealth. You’re not only creating it on a tangible level but you’re also addressing the spiritual, physical, mental and emotional sides of money.

Remember, financial freedom looks different for everyone. You can make the smartest investment choice but if it doesn’t land in your heart, there will be something else that suffers along the way. Your journey is your own and as soon as you take yourself and your heart along on that journey every step of the way, creating financial freedom and a life you love is far more within reach than you might have imagined!

If you’re curious to go deeper into this work, I have an abundance of Julie Murphy resources to get you started!

Personal Finance Goals You Can Accomplish in 2022

julie@juliemurphy.com (Julie Murphy) — Mon, 04 Jul 2022 10:00:00 GMT

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We’re now over halfway into the year, and if you’re feeling disheartened about your 2022 financial goals, there’s still plenty of time to create momentum! Let’s see this as an opportunity to take a fresh perspective on what you want to accomplish and set yourself on the path to financial freedom!

In today’s article, I’m going to share some tips that will help you move further towards embodying Real Wealth in 2022 and creating a financial life that you love.

Set The Intention for What You Want to Create!

If you’re feeling challenged when it comes to your money, now is a great time to take a step back and reassess. After all, to manifest wealth we have to be truly relentless in what we want to create!

So I encourage you to ask yourself; what is it that you want to create? Is it to be debt free, to have financial freedom, to make a living doing what you absolutely love, to have a fulfilling family life, work in a job where your energy is totally aligned to the environment and the work itself? Perhaps all of these things!

Try asking yourself questions that address the bigger picture because although we’re focusing today on the finances, everything is energetic and therefore, it’s all interrelated.

Take the Word ‘Budget’ Out of Your Vocabulary

Whilst this might contradict much of the financial advice you’ve heard, I’d like you to consider how the word ‘budget’ makes you feel? For many people, it feels restricted, limited and that energy certainly isn’t aligned to the energy of abundance! Perhaps you’ve set yourself a budget but then find that month after month you exceed it and end up feeling like a failure and disempowered?

Now is the time to take your power back! Be the creator of your financial life and choices and make this one of your big 2022 financial goals! This definitely isn’t about being reckless with your money and setting no boundaries - we’ll move onto that shortly. By simply choosing to rephrase how you think, speak and feel about the management and flow of your money, you can completely change how you decide to spend and save. If you’re exceeding the limitations you’ve set for yourself, identify - without judgement, what isn’t working?

This is why I suggest that people carry out a quarterly review of their finances to look at their debt and cash flows in the present moment and really delve into what’s coming in and going out. Instead of setting yourself a budget, you can shift to the concept of thinking about what you want to create and then plan your financial choices accordingly.

If your morning latte really brings you joy, account for it so you don’t feel deprived! If your gym membership is going unused however, that’s something you can choose to let go of and allocate some of the savings towards paying down your current debts or to build up another financial intention.

The energy of this approach feels far more expansive and will yield much greater results in your bank account!

Step Into the Solutions of Your Finances

I mentioned earlier about a quarterly financial check-in with yourself. The next part is taking action on your current financial reality and stepping into the solutions.

Instead of thinking about your money as simply spending and saving, I’d like you to look at your current financial reality in 3 parts:

Your Financial Past - your debts
Your Financial Present - your present cash inflows and spending
Your Financial Future - asset building, retirement funds and so on.

You can even take this one step further by breaking down your financial future into 3 parts:

Short-term - to cover 3 - 6 months expenses
Mid-term - to cover 6 - 24 months expenses
Long-term - for retirement

You can then set up new accounts, name them according to your new financial intentions and deposit an amount of money every month that will go towards each of these financial buckets. Why do this? It means that you’re financially insulating yourself from whatever happens that is out of your control (such as the economy, unexpected costs you need to cover) and freeing yourself from debt instruments. It also means you embody that energy of abundance when you see those accounts building up every month!

You’re becoming your own bank and when it comes to financial freedom and your 2022 financial goals, this is a fantastic one to start working towards!

Remove Any Shame, Blame or Judgement

The topic of money can often bring up fear and resistance, but by accepting the reality of your finances, this is you showing up and expanding into your greater vision!

We’re also all going to be in different places with what our financial reality looks like. It’s not about comparing; it’s about accepting. So, I’d like you to remove any shame, blame, guilt or judgement around your financial reality.

This isn’t about the numbers. Instead, it’s about setting the intention and expanding into what you want to create financially! You want to be working towards the goal of putting your financial past on autopilot, choosing your cash flows in the present moment from a place of empowerment, and planting the seeds of what you want to attract in your financial future.

All this works to create a safe financial container and to keep your nervous system in neutral.

Work Through Your Limited Beliefs and Emotions

Financial goals aren’t just about how much you earn, spend and save. Money is entirely energetic and when we’re living out of alignment, our finances will suffer in some way. As I always say, we either work things out or act them out through our money, relationships and our health.

Attaining financial freedom is therefore being willing to identify and challenge your limited beliefs. To witness them, work through the tests of them and then release them as opposed to hijacking your nervous system and reacting in ways such as accumulating more debt or spending to avoid feeling an emotion.

This is all about learning to tap in and reconnect to your heart. Understanding where you’re living out of alignment and committing relentlessly to the process of working through this to embody your authentic self. Try to also refrain from believing that more money will solve all of your problems. Whilst money does offer you choices, the same emotional patterns can occur regardless of whether you have millions in your bank and savings accounts or are barely scraping by. Let’s look at the example of lottery winners who suddenly end up with all of that abundance only to lose it in a few years and be back where they started.

Working through your limited beliefs around money and committing to living authentically and in alignment can help you to firstly hold the space to manifest money into your life, and for it to stay. This then paves the way for ultimate financial freedom!

If you’re ready to create Real Wealth and make quantum leaps on your 2022 financial goals, I’d love for you to join me in my Launch Your Life live group coaching program, starting on August 10th for 3 months.

You can sign up here to join: https://juliemurphy.thinkific.com/courses/live-coaching

How to Stop Living Paycheck to Paycheck

julie@juliemurphy.com (Julie Murphy) — Mon, 27 Jun 2022 10:00:00 GMT

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Living paycheck to paycheck is probably the most common reason that prevents people from living a life that they love. This financial barrier can feel crippling and I understand how challenging it can be to pull yourself out of what can seem an endless cycle. The answer is creating financial independence, which I assure you, can be done wherever you’re starting from!

So how can you break through the barrier and start to live that love you love? In today’s article, I’m going to offer some tips that will get you on the road to Real Wealth and financial freedom!

Create Space

Like everything, money is energy and if you’re operating in financial scarcity, there’s an emotional component here that will likely be showing up in many areas of your life and your environment. So, this is about creating simplicity. I encourage you to look around your home and start to clear out any junk or clutter. Then, apply the same principle to other parts of your life. This could be choosing to simplify your schedule or stopping spending time around people who live from a place of lack or drain your energy. Set the boundaries for space!

The key is to set the intention for what you want to create and if you’re living from paycheck to paycheck, you want to release space to make way for abundance, clarity and a safe foundation from which to build upon. After all, you can’t create new if you’re stuck in your past! Release the things in your environment that are symbolic of your past. Practices such as breathwork and yoga can also be fantastic ways to shift and clear those old emotions that keep you in your suffering patterns and perpetuate the financial loop.

Start to Overcome Your Financial Fears

Financial independence can only be cultivated when you have a healthy relationship with money. When there’s a sense of ‘not enough’ and being chained to a paycheck, this is often due to a subconscious fear of money, which of course is showing up in your reality.

One of my biggest money saving tips that brings results quickly, is to use cash to begin to create that relationship with money. Let me tell you, you’ll be surprised at how the items or services you choose to swipe your credit card for, you would think twice about spending the physical cash on! When we swipe or buy on credit, it just doesn’t land in our awareness the same way that cash does.

What I would therefore like you to do, is use cash for your variable weekly expenses such as groceries, gas, travel and those day-to-day purchases. Take out the cash at the beginning of each week and once it’s gone, it’s gone. You’ll be shocked at how your awareness and choices change based on this one simple tweak!

By doing this, you’ll be able to look at your spending choices from a new perspective and identify which purchases are aligned to what you want and which can perhaps be left aside to free up extra that you can put towards one of your new financial intentions!

Insulate Yourself Financially

What do I mean by financial insulation? This is all about keeping your nervous system in check and creating a safe financial container. Living paycheck to paycheck means that you are relying on your employer, the banks and likely debt instruments, so the goal is to begin to become your own bank to take you from a place of financial fear to empowerment.

What I’d like you to start doing is set up new accounts that you can deposit an amount of money into each month that will build your emergency funds and short-term, mid-term and long-term expenses. This means that gradually, whatever happens in the economy or when unexpected personal situations arise such as a costly home repair, a job loss or medical issue, you’re protecting yourself.

What’s very important here is that you don’t fret about the number going into those accounts. If it starts super small, that’s still great! This is about setting that intention of financial independence and aligning your actions and flow of your money accordingly. Once you do, you might be surprised at how unexpected money flows in in ways you could never have anticipated! Remember, it’s about operating on that energetic level of abundance!

To offer some perspective, I’m always fascinated how when people have enough money to retire, the conversations between them and their employer shifts because the employer isn’t needed so much. The safe financial container creates space for alignment and for self-worth to be nurtured and flourish.

Start to build that sense of empowerment for yourself right now!

Find Ways to Release and Create Funds

Something I ask my clients to do is have quarterly check-ins with their money. This can be done alone or with their partner, which can also really help to iron out any financial kinks in the relationship.

When it comes to money saving tips, you firstly need to create awareness of exactly what’s coming in and going out. A quarterly review of your financial reality in the present moment including your debts and cash flows means you can identify where tweaks can be made and find ways to free up extra.

Examples could be switching off those automated subscriptions that you rarely use for streaming services or memberships. Often at anywhere around $30 a month, that’s a significant saving to put towards your financial freedom intention! By implementing this consistent financial review, you’ll also likely discover spending choices that aren’t aligned with your future goals and so you can choose to also release those.

Remember, these small changes compound to make a big difference!

Time to Ask for a Raise or Look for the Dream Job?

Do you feel resentful of your paycheck because you know you’re capable and worthy of more, or do you want to be doing something completely different and more aligned? Now is the time to step into your power and ask for what you want! Is there a conversation you could have with your employer where you present your case for a promotion and/or pay rise?

Or, could you start looking for the dream job and taking aligned action to bring that into creation? Once you’re taking care of the financial piece as we’ve spoken about above, this is when you feel safe to start truly living in the present moment and listening to your heart.

Living from paycheck to paycheck is something that you absolutely can be free of! By implementing the practices and money saving tips I’ve shared today, you can start living that life that you love and creating Real Wealth for yourself right now!

Did you enjoy this post? If so please don’t forget to share it on social media!

How to Make the Shift From Paycheck to Purpose

julie@juliemurphy.com (Julie Murphy) — Mon, 20 Jun 2022 10:00:00 GMT

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Do you have a dream of doing something different in your life that truly fulfills and excites you? Something that your heart and soul is crying out for you to do? I hear you and want you to know that your dream doesn’t have to remain a dream! Even if your current reality looks quite different, you have the power to manifest everything that you desire.

If you’re in a career or working in a job that doesn’t light you up, this can impact so many other areas of your life and lead to a deep sense of satisfaction. So many of us stay in jobs that we don’t love for years simply because we’re shackled to the paycheck that comes with that job, and perhaps maintain a belief that work is something we’re not really supposed to enjoy. This is an incredibly disempowering way to feel but rest assured, it doesn’t have to be this way!

If you desire a job, career or business that you love, that’s all there for the taking! In today’s post, I’m going to show you how to make the change and create that shift from paycheck to purpose so you can work towards creating a life of Real Wealth.

Work Through & Heal Your Beliefs

Many of us have a subconscious belief that our job is something we’re lucky to have or that work isn’t really meant to be enjoyed, it’s something we have to do and get on with. These beliefs often stem from childhood and what were taught to us growing up, where in previous generations, the employment and career landscape was in a very different place.

Whilst having gratitude for the job you are in now is a valuable and useful practice (and we’ll move onto this later!), if you feel tied to your paycheck and desire something different - something greater, the longer you continue to live in this place, the more inner resentment you will feel and sooner or later, a crisis will appear in your life that forces you into a situation where things have to change. I’ve seen this repeatedly with clients and so many times in my own life! Crisis only happens when we neglect our hearts and stay in a life that isn’t aligned to our soul. It happens to shake us out of our current reality.

I’d like you to begin to challenge your beliefs around the area of work and what your work life means to you. Choose to look at examples of the people in the world who are doing work they love, get compensated abundantly, have time, financial freedom and are living in the embodiment of Real Wealth ! When you choose to observe life through the lens of these types of people, you start to see that this could be possible for you too. No matter who you are, your background or your current financial situation, doing what you love and getting paid for it is something you are worthy, capable and fully deserving of!

Accept Your Current Financial Reality

Feeling tied to a paycheck is probably the most common barrier I see when people are staying in jobs that don’t fulfil them and therefore struggle to make the shift. If this resonates with you and you’re questioning how to make the change, it’s time to begin stepping into the solutions and planting those seeds of what you want to create.

To do this, you have to start by accepting your current financial reality without any shame, blame, guilt or judgement and begin making a plan to become more financially flexible so that moving from paycheck to purpose begins to become a reality.

I always recommend doing a deep dive into your finances every quarter to heighten your awareness around the flow of your money and to keep setting those intentions to align with where you are at that time. Some key areas to look at are:

Your Financial Past - your debts

Your Financial Present - your present cash inflows and spending

Your Financial Future - asset building, retirement funds and so on.

If you’re in a situation where all your income is going straight back out the door, you can begin to identify where tweaks can be made to become more financially nimble. Now, I don’t want you to view this as a ‘budget’. The word budget can feel constrained and restrictive and this process is designed to be expansive! It’s not about cutting back, it’s about making empowered choices that serve you and that you feel excited about. These choices are laying the foundation for living that life that you love! For manifesting more wealth and the dream!

Some ways you can easily begin to create more financial abundance are by going through any subscription services that automatically get taken out of your account yet you barely use or don’t feel aligned to any longer. You can look at ways to save on your cell plan as there are so many options out there now. You can call your bank and enquire about better options that help to reduce the interest you’re paying on your credit cards, if you have them. Don’t be afraid to call and ask for what you want! You’ll often be surprised at the outcome.

Any money that you save can then be put towards funding your intention to leave your job. Meanwhile, begin to express gratitude for your income from your current job. Even if you don’t love how you’re creating it, choose to see it as funding your new life. This is living in the energy of abundance as opposed to frustration, fear and lack and where you start to attract even more prosperity and opportunity!

The aim here is to gradually eliminate debt and work towards creating financial freedom. To be free of any debt instruments, be free of your paycheck and become your own bank. To create Real Wealth.

You can also look at ways you could generate extra cash flow such as selling any belongings you don’t use or even creating a further stream of income. Once you begin really zoning down into your finances and building that safe financial container, watch how the abundance flows in!

Don’t Wait!

Your dream doesn’t have to remain a dream! Why not start embodying what you want to create right now? As I mentioned before, this is all about planting the seeds and stepping into those solutions! I encourage you to find ways to begin to move from paycheck to purpose, get out there and actually start doing what you love. Even if it’s a couple of hours a week that you dedicate to building that website, marketing your services on social media, telling people, taking a course, expanding your knowledge or simply exploring different ideas.

This is how to make the change and move into that energy of expansion! When you begin to live in the essence of the person you came here to be, you create more joy, possibility and momentum. You also begin to feel differently about the job you’re currently in because you know you’re actively working towards a greater vision and see your job as the stepping stone to this.

If you enjoyed this post, please don’t forget to share it with your friends on social media!

How to Own Your Value and Worth

julie@juliemurphy.com (Julie Murphy) — Mon, 13 Jun 2022 10:00:00 GMT

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To begin to manifest what we desire and go after creating what we want to create, the biggest barrier is not a lack of intelligence, commitment or motivation, but usually, a subconscious lack of self worth and belief in ourselves. I’ve experienced this personally and with many private clients that I’ve worked with.

We have so much inner resistance to the change we want to call into our life that the things we manifest become a reflection of the doubt, fear and worry that resides inside of us.

When you know your worth, this is when you will see profound changes in your life and can make those quantum leaps in reaching your goals. In this article today, I’ll look at some of the steps you can take to own your value and worth and go after your dreams!

Connect you Your Heart

In the rapid pace of today’s world, so many of us live on autopilot. We’re constantly bombarded by technology, media and the opinions of others that we lose sight of who we are and what we want - in our hearts. We work in jobs we don’t love, find ourselves in relationships that don’t serve us and suffer the consequences of poor health. All of these create an impact on our self worth because we’re not living in alignment. Our wants, desires and dreams get blurred and we forget who we are at our core. A big part of self worth is therefore reconnecting to ourselves and to our hearts.

I’d like you to take some time for yourself, disconnect from technology, ideally get outside in nature and practice awareness. This can be a slow walk, meditating or just being present. Notice the sounds, sensations and how you feel in your body. Tap into your heart and listen to what it’s telling you. This is where your head and logical thinking will want to override, but try your best to stay with your heart here.

Your heart has all the answers and it might tell you things that feel emotional or challenging to accept, but go with it. The more you practice this, the more you’ll be able to return to your true, most aligned self and as time goes on, heighten your sense of self worth. You’ll be able to see that your life - or parts of it, are perhaps not what you truly want and then you can gradually take the steps to change that.

Feel Through Your Feelings

To know your worth is about fully accepting your reality, but without shame or judgement. When we resist accepting what has happened in our lives and working through the emotions that block us from manifesting what we desire, it’s only going to perpetuate the suffering cycle and we’ll create the same outcomes in different formations over and over.

To break through your blocks, you have to be willing to feel your feelings instead of avoiding them. Building self worth is also about the rewiring of our neural pathways (our current ways of thinking, feeling, coping and behaving) and being willing to feel, accept and release what needs to be released to create space.

How can you start to feel your feelings? Some tools I recommend include journaling or writing them down, followed by speaking them out loud and then (safely of course!) burning them. Every time you express yourself on paper and burn it, you are changing your energy and changing your life.

You can also try something simple such as listening to music or watching a movie that evokes an emotional response. Allow it to come through however it needs to, because this is a sign that it’s shifting.

Build the Muscle of Self Worth

Self worth can’t just happen through wishing you had more of it. You have to get out there and challenge yourself to do things differently from your old patterning and show your subconscious that you feel worthy of living the life you want to live - by living it now! Taking new steps will feel strange so give yourself permission to start slowly.

Let’s look at an example. Our relationship with money is so closely attached with our level of self worth. This could be using debt as a way to distract ourselves from what we really need to feel and release. If spending is something you’ve used in the past and created debt as a result, this isn’t aligned to your highest self who lives in the energy of abundance and embodies their self worth, because it means you’re repeating your financial past over and over. Building the muscle of self worth might therefore mean challenging yourself to hold money by keeping a $50 note in your wallet at all times and not spending it. It might also mean accepting your financial reality and creating a plan to help you eliminate the debt and working towards financial freedom.

This mirrors the actions of someone who feels worthy of wealth and living the life they desire , and so taking those actions that support this is building that muscle and reprogramming your patterning around money.

It could also mean stepping out of your comfort zone bit by bit and trying new things. Exploring, connecting and taking yourself out of the narrative of the life you’re living in right now. Again, this creates those new neural pathways and you begin to discover new parts of yourself. Both confidence and competence comes by doing and the more you build this muscle, the more self worth you’ll start to authentically feel and embody!

Trust Yourself

Trusting yourself – and your heart, is a key part of creating the life you desire. To know your worth is to trust and go out there and do whatever you feel called to do without negotiating yourself away. You might be swayed by the opinions or expectations of others, society or what your head thinks you ‘should’ do. When you choose not to be the driver of your own life though, something else will suffer along the way, whether this be your money, your relationships or your health and wellbeing.

This is why practicing that deep level of awareness and self-connection is key. To listen to your heart and to trust what it is telling you every step of the way. All you have to do is stay in that alignment and watch how everything opens up. Watch the manifestations flow!

You have to practice trusting your ‘Yes’. No one knows you better than you, regardless of whether it fits into the box of what others want for you or even if it makes sense. Follow your heart, then bring in the smarts. Staying true to your desires and being ferocious in creating what you want to create is the essence of self worth and when you open up those energy channels to call in exactly what is meant for you.

Making a Career Change: What You Need to Know Midlife

julie@juliemurphy.com (Julie Murphy) — Mon, 06 Jun 2022 10:00:00 GMT

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Regardless of your age, it’s always possible to make profound changes to your life, including your career. Even though you might experience fear around creating this change, switching careers during your mid-life years actually works in your favour in so many ways!

In this post today, I’m going to show you how to change career, how to enjoy the process and what exactly you need to know.

The Shift in the Job Landscape

I can assure you that you’re certainly not alone if you have an inner desire for a midlife career change and I have seen so many people make it happen and experience such joy and fulfilment from doing so! What will work to your advantage in particular, is understanding that the job and career landscape has shifted significantly. The emphasis isn’t so much on staying in one career and climbing the ladder. With the turn in the economy and world events, more and more people at every age now have multiple streams of income, are delving into the ‘gig economy’, have started businesses from scratch and have found dream jobs that didn’t even exist ten or twenty years ago!

This means that there is a huge opportunity for you. No longer do you have to feel pigeon-holed into a career box, regardless of your age.

Create Clarity on your Dream Career

Perhaps you’re unsure on not only how to change career but what it is you want to do. This is where it’s time to create a vision that you can use to guide you. You’ve already had life experience. You probably know - to an extent at least, what brings you joy, what truly speaks to your soul and what you’re good at and this is another advantage you have at your disposal.

Now it’s time to be brave and commit to your vision!

So let me ask you; what do you want to create not only in terms of your career but how this will ripple into other areas of your life? This is where you need to disconnect from the noise and truly tap into your heart. Remove all logic and ‘should’ out of the equation.

Do you know what you want to do? If not, do you want to do something that enables you to pursue your creative talent? What are you good at? What comes naturally to you? What kind of hours would you like to work? In what kind of environment? When would you like to retire, or would this be something you couldn't imagine yourself ever wanting to retire from? How many vacations would you like to take a year? How much would you like to earn in your new role or pursuit? How would you choose for your career to impact your family time? How would it enable you to thrive in your health and wellbeing?

These are all questions you can ask yourself that will help create clarity on the overall vision of your career change and how it will serve you across all pillars of your life. This is of course something that’s particularly important when it comes to a midlife career change.

Shift the Focus Away from Money

Whilst I understand that of course, money is a factor, but remember, money is quantum - its energy. When you find that perfect alignment and do something in your career that speaks to your heart and soul, brings you immense joy, purpose and satisfaction - whatever that looks like, the money will flow and often in the most unexpected of ways! Trust me, I have seen this countless times not only in my own life but with so many clients!

When you commit to yourself, to your dream and create a safe financial container for that to occur by setting up your finances accordingly whilst you’re making the transition into your new career, everything will fall into place. You just have to trust.

When you focus solely on money and do something purely for the paycheck, this will create a disconnection from what the most authentic version of you desires. It’s now time at the age you are, to truly tap back into that and allow it to guide you!

Take Small Steps

Whilst the dreaming part is necessary to create your vision, the momentum comes by doing. So, what can you do right now, today? This part doesn’t have to be overwhelming. It doesn’t mean handing your notice in immediately (it could if you feel called to and able to of course!), but taking small action steps is a fantastic way to guide your midlife career change and to allow you to begin to experience those feelings of what it would be like right now. You don’t have to wait!

If you know what you want to do, how could you start making that step today? Would it mean applying for new roles, updating your CV or if it’s your own endeavour, telling people that you’re offering a specific service or product and spending 1 hour per day working on that alongside your current job?

If you’re unsure, now is the time to experiment! Try things out and find what brings you joy. What makes you giggle? Attend classes, read books, listen to podcasts on those topics, attend events and see what lands with you.

The more you do, the more clarity will come and the more you’re creating that energetic shift for the expansion and change to materialize!

Live Your Life for You

When it comes to knowing how to change career, many of us actually have all the answers inside of us. We know what we want and what we need to do. The biggest barrier comes with the inner fear or what others around us might think. We fear the criticism and judgement from our family, friends and co-workers.

I understand that a midlife career change can be incredibly daunting, and of course you probably will be factoring in how it will impact the people around you. But ultimately, if you allow their roadmap or expectations to guide you, you’ll be stuck in a career – and life you don’t love. You’ll be allowing them to remain in the driving seat of your life.

You’ve worked hard and now, you deserve to spend your time doing what you know you came here to do. The beautiful thing is, when you do, everything will shift too! Your relationships will thrive as will your finances, health and wellbeing. There is so much for you to look forward to! You just have to commit to what you want to create and follow that wise heart of yours all along the way. When you do, all will align.

How to Become a Self-Made Millionaire

julie@juliemurphy.com (Julie Murphy) — Mon, 30 May 2022 10:00:00 GMT

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When it comes to becoming a self-made millionaire, although the idea might seem out of reach or only reserved for the ambitious or entrepreneurial few, it’s actually something that’s far more achievable than you might imagine!

Today, I’m going to share with you the true secrets on how to become rich and embody Real Wealth in all areas of your life.

Money is Energy

Money, like everything, is energy and has a vibrational frequency. Therefore, how you choose to think, speak and feel about money is what will be reflected back to you. Becoming a self-made millionaire can only be done from a place of feeling abundant and empowered around your money. If it’s coming from a place of reaction, it will be incredibly difficult to achieve because your limited beliefs, thoughts and actions around your money won’t be aligned with wealth but instead, with fear and scarcity.

This is why money runs so much deeper than how much we have in our bank accounts, assets, investment portfolios, retirement funds and so on. It’s largely emotional, so identifying and then working through your beliefs around money is the key to unlocking that incredible potential you have!

To begin to shift your vibration around money, I’d like you to become extra conscious of your thoughts around it. When you feel that low-level energy about money such as never having enough, take a breath and intercept it by choosing a different, more empowered thought instead. You can also use positive money affirmations.

Now, this isn’t about telling yourself lies! It’s rather about choosing to see a different perspective. Instead of telling yourself ‘I’ll never get out of debt’ or ‘There’s no way I can build wealth on my paycheck’, choose the alternative approach of ‘What are a few small steps I can put into action to begin to eliminate my debt?’ or ‘What other income options could be available to me” or “Is it time to ask for a raise or look for a new job with a salary that matches what I’m worth?’

This is an incredibly powerful practice as it creates space within your nervous system to change your financial story.

Create a Strategy to Reduce Debt

If you’re asking yourself how to become rich, becoming your own bank is the ultimate way to achieve this goal. Although having debt is almost seen as the norm in our economic environment, the truth is, these debt instruments that are so readily available keep us trapped in a debt loop and so we repeat our financial past over and over. To truly become a self-made millionaire and embody Real Wealth on every level, you have to decide to stop that cycle to set yourself free of debt and become entirely self-sufficient.

Therefore, finding ways to gradually and consistently eliminate debt is your ticket to financial freedom. If you want something other than what you have today, the key is to create space for it instead of relying on credit cards to pay for it. Even if this is $5 per paycheck, it’s not about the amount but rather, the energy and intention behind it that will get you on the path to becoming truly wealthy!

Consider Extra Income Potential

If you feel limited by your current paycheck, getting into that energy of abundance is about embodying the essence of ‘more’ as opposed to limitation and lack. Do you have skills that you could earn extra income or create some new passive income streams from? You can ask yourself a few questions to get the creative juices flowing on this one! What do you love to do where time seems to fly by? What makes you giggle? What do people always tell you you’re good at? Where do you feel your most authentic and aligned self? What are you doing in these situations? What would you love to try as an experiment?

You don’t have to feel limited by your paycheck and there’s incredible opportunity to earn extra if you allow yourself to get into that vibration of ‘more’ and be willing to step outside of your comfort zone a little!

Organize Your Finances to Align with Wealth

When looking at how to become rich, you have to be intentional about your money mindset and what you want to create. This is about looking at your financial life from a short-term, mid-term and long-term perspective and setting your financial intentions and ‘buckets’ accordingly.

To clarify, short-term is where you set aside 3 – 6 months of living expenses aside, mid-term is your 3 – 5-year money (this is one that is often overlooked) and long-term is your retirement funds and money allocated for later years.

This is an important part of your financial planning process because it means that you have money set aside for all eventualities and don’t have to rely on credit cards or loans to fund unexpected expenses that we all know can arise at the most inconvenient of times! You can continue to review these buckets as you go along to ensure they’re aligning with your current desires, situation and intentions.

By doing this, you’re allowing yourself to live in the present moment whilst feeling safe that you’re also taking care of your future self. Becoming a true self-made millionaire isn’t about flying by the seat of your pants or being a financial one-hit wonder! It’s about being in the present moment whilst also being super intentional about how you want the energy of your money to flow. This is about setting yourself up to be lucky! When you align your energy in this way, this is also when you really begin to make those quantum leaps in your money manifestations!

It’s all about starting where you are. Try not to get caught up in the numbers. It doesn’t matter if at first, you’re only able to allocate $5 to your buckets; it’s the energy behind the intention that is the exact energy you need to embody to become that empowered, self-made millionaire you deserve to be.

By implementing these mindful and practical tweaks and strategies, it’s far more achievable than you might have imagined!

Like this post? If so, please don’t forget to share it on social media!

5 Ways to STOP Desire From Blocking Your Manifestations

julie@juliemurphy.com (Julie Murphy) — Mon, 23 May 2022 10:00:00 GMT

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One of the most challenging parts of manifestation can be allowing our desires to block the process. When the energetic flow is being hijacked by our negative thoughts, habits and actions, we’re only going to create more of what we don’t want.

In today’s article, I’m going to share 5 ways in which you can stop your desire, truly manifest your dreams and begin to embody your highest self and the life you came here to live!

1. Identify Your Past Traumas

How we view and show up in the world, interact in our work, relationships and with our money is directly linked to what has happened to us in the past. Many times, we’ll look at a habit or behaviour in isolation, but understanding that it’s directly linked to a past trauma that we likely experienced before the age of 7, is the key to clearing the energetic pathways and allowing the manifestation process to take place.

If we’re unable to show up in the world as the most authentic version of ourselves and unaware of those self-sabotaging behaviours that keep us stuck in a life we don’t love, we’re only going to create more of that life and unhappiness over and over. This is because instead of working through the trauma, we act it out through our money, relationships and our health.

Once we learn to identify our traumas, we can then begin to feel through them, work through them and keep our nervous system in neutral. This is such an essential part of being able to stop your desire from blocking the manifestation process. Maintaining harmony within the body on a cellular level and within the mind allows you to make more empowered choices that are based on your heart and leading with that feminine energy; the energy of ease, grace and flow as opposed to operating straight from your head where you can make choices based on reaction and fear.

Remember, it has to be the heart first and then bring in the smarts!

2. Account For Your Spending Desires

The desire to spend money can be a huge block in being able to manifest your dreams . Of course, spending money isn’t bad or wrong and can absolutely be an act of self-love when done in a considered and conscious way! However, when we spend from a place of emotional reaction, to self-soothe or to get that ‘high’ we feel unable to fill from the joy of life itself, we’re creating a financial past that isn’t aligned to financial freedom. We also have to deal with the fallout of those emotional hangovers that create even lower feelings of self-worth.

The key is to set up the flow of your money in a way that enables you to have money accounted for every month where you’re free to make conscious spending choices and knowing that what you’re choosing to spend money on is going to bring you happiness, fulfilment and a sense of rewarding yourself along the way. This isn’t about deprivation, it’s quite the opposite! It’s putting your energy into what you want to create and setting yourself up for more financial flexibility and ultimately, financial freedom. This is what truly allows you to harness the wonder of the Law of Attraction and to make those quantum leaps in your manifestations!

3. Allow Yourself to Detach From the Outcome

Have you ever felt frustrated that your manifestations aren’t coming into existence? If you can learn to stop your desire for it all having to work out in the perfect way and release any attachments or expectations, your manifestation is going to flow with more ease and in ways you never thought possible!

I like to think of this like a nautical map. Like you see on a nautical map, there is always more than one way to arrive at a destination. Whilst I will always encourage you to be relentless in what you want to create in your life, you also have to be able to let go of the ‘how’, ‘where’ and ‘when’. Being able to manifest your dreams means being able to get out of your own way as this is when you start to go back to your head and act on those feelings of fear and frustration.

All will align when you surrender, let go and lead with your heart. If you continue to stay on path, be willing to be on that bridge when things feel uncertain and trust all along the way, everything will fall into place. How you get there might take a different path to how you envisaged, but that’s ok!

4. Trust Yourself

On a similar theme to the above point, maintaining that trust in yourself is an incredibly crucial part of allowing the manifestation process to unfold. So many of us have been conditioned to believe that there is only one way to live a good life. That there is one route to wealth, happiness and success, even if our heart is telling us something quite different! I’m here to empower you to know that if the life you are living - or part of it, isn’t creating joy or feeling purposeful, you have the power to change that. You just have to be bold enough to step outside of that box and trust what your heart is telling you.

I’ve had numerous clients who have followed the blueprint and created the ‘success’ that was expected or now even admired by others. Were they happy though? Oftentimes, no. They’ve had to work through those instilled beliefs, traumas and fears to connect to their hearts, take the leap and launch the life they actually want to live, trusting themselves all along the way. The result being creating a life that is enriched with joy, purpose, wellbeing and Real Wealth on every level.

When you tap back in, commit to yourself and learn to build that trust muscle, you can show up with awareness in the present moment and those past desires that have blocked your manifestations begin to fall away. Again, it’s a process, but one that you can start to build upon right now!

5. Follow Your Giggle!

One of the best ways to stop your desire from blocking your manifestation is to find what makes you giggle! Laughter is a tonic and such a powerful way to calm the nervous system, to release trapped emotions and clear those energetic pathways to fully ignite the Law of Attraction and manifest your dreams! Your life should bring you joy and it’s important to seek out those things that make you giggle as well as allowing yourself to be spontaneous and discovering new things along the way!

One of the reasons following your giggle can create such a profound impact in your life is that when you let go and laugh, it’s coming from the true essence of you. It’s immediately aligning you with your core self and when you’re showing up from that place, you’ll be amazed at how everything in your life starts to shift.

I can’t express how much of a difference this made in my life and on my journey and so I encourage you to remind yourself every day to do something that makes you giggle!

Try putting these tips into practice and see how your manifestations begin to unfold. And if you enjoyed this article, please don’t forget to share it on social media!

Financial Habits of Successful People

julie@juliemurphy.com (Julie Murphy) — Mon, 16 May 2022 10:00:00 GMT

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Whilst we are all on our own financial path and that will look unique for each one of us, there are many clues from others that we can take and use as inspiration. Many financial people might argue that there is a very specific way of creating financial success. My approach is to certainly look at what successful people are doing, but to then integrate this in your own financial planning in a way that is fully aligned and where you’re leading from your heart all along the way.

Today, I’m going to share some of those financial habits that when used in alignment, can really set you on the path to financial freedom and real wealth.

Put your energy into what you want to create

Most successful people have full clarity on their vision and do the inner work to ensure that the flow of their money is in accordance with that bigger picture. To be financially successful (and again, the definition of this will be different for all of us), there has to be something deeper and greater that drives you so that when it comes to the more strategic side of your money planning, everything you do is with the intention of putting your energy into what you want to create.

Success isn’t just about a number in your bank account. It’s about a deep sense of joy and fulfilment across all pillars of your life and so when setting up your financial goals and your routine of money motivation , having that full clarity on your bigger vision - your ‘why’, is what will keep you anchored all along the way.

Address your financial past, present and future

To create financial freedom, it’s incredibly important to create a safe financial container for which the expansion can occur. Those financial people who you admire probably haven’t got to where they are haphazardly when it comes to their money, but instead have created that container around them so they can get on and do what they came here to do and go after their success! This is the core essence of how to be successful on a financial level.

Something I encourage my clients to implement in their money planning is every month, to allocate specific amounts of their income to paying off their financial past (their debts), whilst also taking care of their financial present and planning for their financial future. The important piece to note here is that this process can be applied regardless of your income. It’s not about the number; it’s about aligning the energetic flow of your money around what you want to create and beginning to build that safe financial container around you.

You’ll be surprised at how empowering this process feels and knowing that step by step, you’re becoming your own bank, protecting yourself from the economic environment regardless of what happens (such as a recession) and creating financial success on your own terms!

Learn how to hold money

Maintaining an abundant mindset is a consistent quality you will see in successful people and this includes the ability to hold money. Money is energy after all, and if you struggle to hold money for long without spending it, this is an indication that there is an emotional fear or sense of lack associated with money. So the key is learning how to energetically get your money to flow in the direction that supports you, instead of acting out a suffering pattern.

We act out so much of our subconscious and our suffering patterns through how we interact with money and the impulse to spend money is typically a way to try and soothe an unmet emotional need. This only keeps us in that suffering pattern and so the key to changing this is by creating awareness around it, but also then challenging ourselves to learn that it’s safe to hold money without spending it. Yes, we can reward ourselves and spend but this can be done with full consciousness and awareness and integrated into our financial planning as mentioned in the above point.

If holding money is a struggle, something you can do is challenge yourself to always have $20, $50 or $100 in your purse or wallet but to never spend it. That money is there to serve as a symbol that money is abundant, that there is more than enough and that it is safe to hold it and enjoy that feeling. You might experience a number of emotions with this challenge but that’s ok! All you need to do is allow yourself to acknowledge the emotion, to feel through it and interrupt that old spending pattern each time. You’ll soon notice that by rewiring the old pattern, this small technique will also start to shift the way you operate and interact with money in other areas of your life.

Lead from your heart

When asking yourself how to be successful, you have to be willing to get out of your head and lead from your heart. Whilst this might go against the grain of what many financial people and experts advise, the truth is, if you’re unable to fully embody the true essence of you and lead with that energy – from what feels good and aligned in your heart, you will always find ways to negotiate yourself away from your big dream and ultimately, your success.

Most of the successful people out there who have attracted abundance, joy and happiness in all areas of their life, have often stepped outside of the box, done things a little differently and have been ferocious in what they want to create. All along the journey, they have led from their heart.

This doesn’t mean making choices that aren’t considered. You start from the heart, then bring in the smarts and the more strategic side of your planning. But to create the success you desire, you have to be in the driving seat of your life and this is a quality that financially successful people all embody to get to where they want to be.

How to Effectively Plan and Achieve Your Goals

julie@juliemurphy.com (Julie Murphy) — Mon, 09 May 2022 10:00:00 GMT

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If you’ve got a dream or goal that you want to accomplish, it’s about creating a pathway to get there that feels aligned on all levels. When we’re thinking about how to execute this plan, it has to feel expansive, empowering and one where we’re embodying the person who has already achieved the goal we have. Goal setting can sometimes feel restrictive so the key to achieving our goals is to take ourselves fully along on the journey, lead from our heart and reward ourselves along the way!

Start With the Big Picture

This is the part where you have to really feel into what you want to create. For example, if you have the goal of creating complete financial freedom by a specific age, how would that make you feel energetically on a soul level? What would it allow you to do in your life? What would it mean for your health, your family life and how you choose to spend your time?

It’s important to take the time to visualize these factors because expanding into that energy right now is what’s going to keep you on course. How to plan your goals isn’t always about taking tangible and purely practical steps. You have to lead from that energy in your heart space to really get clear and then double down on what it is you want to create, and what that will look like across all pillars of your life. Once you have this big picture or blueprint in your mind and you’re vibrating in that energy, you have something to anchor yourself to every step of the way and taking those more practical and strategic steps are going to come from a place of ease, flow and soul purpose.

What Needs to Change?

The next part of your goal setting is to look at your past and get clear on what hasn’t served you. After all, if you do what you’ve always done, you’re going to get what you’ve always got! Going back to the financial freedom example and setting financial goals, this would mean accepting the reality of your financial situation right now by creating full awareness of your debts, your current cash flows and what you’ve allocated to your financial future. To know how to plan for financial freedom, you’ll then need to get down deep into your finances and look at what adjustments can be made that are in full alignment with your goal and dream.

Our money is completely connected to our energy and emotions, so when you’re looking at what needs to change, it will also be about identifying what feelings or emotions have created your financial behaviours up to this point. If you’ve found yourself in debt for example, what emotion have you used a debt as a distraction from? Debt is typically the result of a suffering pattern and a reflection of what’s happening internally. So when you shift the internal, you also change what shows up in your life. Working through this emotional piece will make achieving goals and planning for your future feel so much more empowering, because you’re peeling away those emotional layers and working towards your goal from this new, expansive energy. You let go of what hasn’t worked and make space for the new! From here, you can then make those practical decisions on what needs to change, what new habits can be implemented and how to keep yourself accountable.

Take Action!

It can be very easy to get caught up in the goal setting and planning part but achieving goals also of course comes from doing the things that will move the needle to get there! Try not to get overwhelmed with this part though. Simply taking the next right step whatever that looks like is all you need. It’s those small changes made consistently that get you closer and closer to your goal and dream!

For working towards your financial goals , this could look like automating your finances so that everything is deposited into your accounts on auto-pilot. For work related goals, it might mean sharpening up your CV so that you feel truly confident when sending it out and that it’s reflective of you in your full authenticity. It could mean making one positive adjustment in your diet or exercise regime week by week. Build those action taking muscles and know that each time you do, you’re already embodying the person who has achieved what you want to create!

Check In With Yourself

Knowing how to plan your goals also means regularly having check-in points with yourself so you can go back to that big picture and look at where things stand. You have to be absolutely relentless when it comes to pursuing your dream and goals, but sometimes things in life can show up, meaning a different path might need to be taken for us to get there. This is why I encourage people to have financial date nights so that they can see if their financial intentions and desires are still aligned, where shifts might have occurred and what tweaks they might want to make as they progress. This idea can be applied to whatever your goal and keeps you anchored and aligned to that overall big vision.

Reward Yourself Along the Way

Many of us can fall off track because we forget to acknowledge our accomplishments so far. Don’t forget, this journey can be one that is fun, despite the challenges that may arise along the way! So rewarding yourself as you go and recognising what you have accomplished enables you to tap back into that energy of abundance, live in the present moment and enjoy it! Again, these don’t necessarily have to be grand accomplishments either. Identifying past negative behaviours, choosing to make different choices, taking those small next steps should all be acknowledged. Show gratitude to what you are creating, the person you’re becoming and the life you’re building.

This goal planning and achieving journey is ultimately about creating a safe container on all levels for that expansion to occur. When you’re working towards a goal from this place of authenticity and true alignment, taking those action steps becomes so much more exciting and you really get to enjoy the process and all the abundance that comes along with it!

Let’s connect more! I’d love to see you over on my YouTube channel where I post multiple videos every week with more advice, inspiring interviews, tips and strategies on how to reach your financial goals.

3 Steps to Manifest Your Desire

julie@juliemurphy.com (Julie Murphy) — Mon, 02 May 2022 10:00:00 GMT

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The manifestation process works on a much deeper level than just thinking positively and it isn’t all about willpower either. The law of attraction is always at work, regardless of whether you’re aware of it or not, and so the key is to align yourself in that energy of abundance and having full intention behind what you want to create.

When it comes to knowing how to manifest your desire, today I’m going to share with you 3 core steps.

Accept the reality of where you are

The biggest block I see when it comes to manifestation is a resistance to the acceptance of reality. It can be a tough pill to swallow to hear that we have created everything in our lives, but once we do, this is the foundational piece we need to then be able to move forwards and create the manifestation of dreams we have. However, this isn’t about blame, shame, guilt or self-judgement. It’s about accepting the reality of where you are but also doing so with pure self-love and full compassion. It’s about being able to open your heart and truly feel everything that’s coming up. It’s about radical self-honesty and understanding that to create a different outcome on the external, a shift also needs to occur internally. Your outer world is only a reflection of what’s going on within you and so if you’re getting the same undesirable results over and over, this is an indication that something needs to be addressed on the inside.

I encourage you to take a deep breath, drop into your heart and get out of your head about your finances, your relationship, your job or whatever pain point you’re struggling with at this moment. I talk more about this in this video . When you calm your nervous system and begin to truly accept your reality, this is when you’re at your most grounded and can begin to make the best decisions moving forwards that are coming from your heart as opposed to just your head. To make the law of attraction work for you, it’s about leading from your heart and then bringing in the smarts!

Create a plan that’s in alignment with your desire

Manifestation is all about creating momentum and this is also when you will see the law of attraction working in the most incredible ways. When it comes to knowing how to manifest your desire, after accepting your reality, you then have to create a container for expansion to occur. So when it comes to your finances for example, the key here is to develop full awareness of the entire flow of your money. Many of us want to manifest money, yet don’t really have a clear idea of exactly how much we have coming in and going out each month. We might be living paycheck to paycheck, spending from a place of reaction, relying on debt instruments or feeling unhappy about how we’re earning our money (even if we are income and asset affluent). For something to change, you have to create a plan and roadmap that’s in alignment with your desire and begin to work with the flow of your finances accordingly.

For example, I have many of my clients set up their finances in a way that allows them to address their financial past (debts), their financial present (current cash flows) and their financial future (retirement, college funds, further savings and so on). We then dig even deeper and create separate buckets for each of those including naming financial intentions and setting up online bank accounts with those intentions. If you’re curious to hear more about this, I delve into more detail in this YouTube video .

The reason why this is such a core part of the manifestation of dreams is because you're aligning your finances with what you desire. It’s an act of self-love and you’re creating a safe financial container that allows you to work towards your vision, become your own bank and ultimately, on the path to financial freedom and real wealth. It’s all about awareness and intention. It’s also important to understand that even though I’m using money as an example here, I do so because money is a reflection of many other things going on in our lives. People are so often in unhappy relationships or jobs they despise going to every day, but they stay in these situations because they don’t have the financial flexibility to create change. So this is about putting yourself in the driving seat of your life, becoming financially nimble and aligning yourself with exactly what you want to manifest.

Allow yourself to receive

We tend to be great at asking the universe what we want, but then get challenged when it comes to the receiving part. Working with the energy of the law of attraction means being open to receiving! It’s about allowing ourselves to receive what we asked for. You almost have to think of this like building a muscle and in this case, the receiving muscle.

It’s also important to be mindful that sometimes what you ask for doesn’t show up in the way you might have visualized or expected. This is why creating that ultimate awareness and staying in the greater vision is a key part of the process. Once you have the plan in place like I’ve described above, your job now is to continue to unpack your heart and completely embody that your heart’s desires are going to be met. You do this through your words, thoughts and actions. Staying in that alignment when it feels tempting to revert back to those suffering patterns and building the opposite of the suffering pattern muscle. Choosing to react differently to create your dream and living in that highest expression of yourself.

Allowing yourself to giggle and have fun along the way is also something that is often overlooked! When you laugh and let go, the energy that is elevated and unleashed along with this is so expansive and you begin to see your life through a new, brighter perspective! Have fun with it and watch the opportunities open up. Be willing to receive them with full gratitude.

If you’re asking yourself how to manifest your desire, begin with these 3 steps and you will be on your way!

How to Overcome Your Resistance to Change

julie@juliemurphy.com (Julie Murphy) — Mon, 25 Apr 2022 10:00:00 GMT

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Life certainly comes with its challenges and when you know that something needs to change, it isn’t always easy to take full action on that. Sometimes we might even desperately want change - whether that’s reaching a breaking point in our jobs, in a relationship or with our health. However, when it comes to actually taking action on what we want to create or do differently, on a subconscious level, there can be an overwhelming resistance to change.

If you’re in this spot or simply ready to make a change in your life , in this article today, I’m going to talk about how to overcome your resistance to change and the small steps you can begin to take.

Accept the reality of where you are

Many self help articles and books miss this very important piece as creating change isn’t just about taking practical action. Resistance to change often comes from a lack of acceptance of where you are right now. Perhaps you’ve found yourself with debt, in a relationship that is destructive or unsatisfying on some level or in what externally is considered to be a fantastic job, but one that you actually dread going to every day.

Whatever your situation, to be able to create the change you desire and overcome your resistance to change, you have to be willing to accept where you are right now. Not bury your head in the sand about your debt or keep telling yourself that maybe your relationship will improve in time, or that if you give yourself one more year in that job, you might feel differently. You have to be willing to acknowledge all the emotions and feelings that come up when you accept the reality of your situation right now. I have a YouTube video on this specific topic that I highly recommend you check out.

Once you can feel those feelings and feel through them, this is when you’re opening up the energetic pathways to allow change in. After all, how can you change a part of your life when you’re unable to accept what’s happening right now? This is the major key and usually the biggest barrier when it comes to overcoming resistance to change.

Create clarity on what your heart desires

A further common struggle many of us deal with is not actually knowing what steps to take to create change. This is where it’s time to truly drop into your heart and connect and what the self help world often misses! Change isn’t just about motivation because motivation is fleeting. When you’re making changes based on what you - in your heart and in your full authenticity desire, motivation or ‘pushing’ doesn’t really need to come into the equation. This is because every action you take is consciously aligned with moving towards that desire and enjoying the feeling of empowerment that comes along with it.

A fantastic way to get clear on those desires and to make long-term change is through visualization. This can also be great fun because you really get to play and explore! I’d like you to take some time to breathe, to connect to your heart and visualize what you want to create. Don’t hold back!

What change do you want to make? What would you be doing every day if that change manifested? Where would you be living? How would you be feeling in your body and what kind of people would you be surrounded by? What would your family life be like? How would your relationship feel? What career or business would you have? Visualizing your goals and what success looks like when only filtered through your heart, is an incredible way to get to the core of what you really want in life. When you feel yourself slipping back into old habits, you can turn back to the visualization and identify what practical or energetic actions that highest version of yourself would be taking. It can serve as a compass that you can use to ground and anchor you to your core ‘why’ for change.

Live life on your own terms

To overcome your resistance to change also means being willing to stop living your life to keep others happy or to satisfy their expectations. If you’re making a change that isn’t truly aligned to what your heart desires, then you won’t be bringing yourself along on the way . If it’s to keep others happy, whether that’s your partner, your boss, your parents or society at large, you’re putting others in the driving seat of your life. To create lasting change it has to come solely through you. This doesn’t mean being selfish or not considering the opinions of those that matter to you. It’s about accepting their perspectives with grace but primarily putting that trust in yourself.

Create a safe container to facilitate change

Resistance to change also comes from fear and from what I see with many clients, typically a financial fear. If you’re in this spot, to overcome your resistance to change it means creating a safe financial container in which to make it happen. It’s so important to ensure that along the way you’re addressing your financial past, financial present and financial future . After all, this isn’t about making change from a place of being reactive. It’s about working towards creating financial flexibility and funding your intentions so that making changes feels safe and something you can fully get behind without fear.

When you do this, the practical actions seem less daunting. When you know you’re consciously working towards becoming your own bank and setting up your finances in accordance with this goal, the thought of leaving your job to start a completely new career doesn’t seem quite so daunting or as out of the question as it might have initially appeared!

And then of course, you’re free to take those small, consistent steps every day. Creating a life that you love doesn’t have to mean making huge, daunting steps either. It’s like building a muscle and it’s those small changes, consciously made every day in alignment with your dream or goal, that create the biggest impact and where the law of attraction starts to work in miraculous ways!

Know Your Value, Fulfil Your Purpose

julie@juliemurphy.com (Julie Murphy) — Thu, 21 Apr 2022 10:00:00 GMT

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The foundation to creating the life of your dreams is to truly know your worth. To have a deep sense in your heart and soul that you are fully deserving of real wealth on every level. You exist in this world not to work in a job that you hate or be in relationships that don’t serve you, or to suffer with your health. You are here to fulfil your purpose and share all of your incredible gifts with the world, whilst living in the true expression of yourself.

This is also when you take quantum leaps with your manifestations! Today, I’m going to share some ways in which you can start your journey to a life of purpose and self-love.

Your worth isn’t based on external achievements

I’d like you to consider what the idea of worth and purpose means to you? It will mean something unique to each of us, but something I often observe is that people believe that they can only feel worthy and love themselves when they reach a certain level of ‘success’ or financial status. The fact that they are a devoted mom, a loving wife, a dedicated employee isn’t enough and goes overlooked. Even if you’re in this position and might want more - for example, you might want to start a business, travel, inspire others through your work or art, that’s all fantastic! You just need to know you’re worthy right now at this moment - exactly as you are.

As people, we’re not defined by how much we have in our bank accounts, how big a house we live in or what executive level we’ve reached at work. What matters is who we are in our hearts . Even if, from a place that comes from your heart, you do have grand monetary or material goals and these are part of fulfilling your purpose, that’s fine too! Whatever your dreams and goals are, you must still acknowledge that you are worthy just as you are without any of these things. You matter and everything you do right now matters. The key is to keep reminding yourself - and most importantly, your subconscious of this. To remind yourself daily of the things that truly matter.

Identify your distractions

To know your worth and fulfil your purpose, it’s also about getting rid of the distractions that keep you stuck. Self-love isn’t just about the surface things that we so often hear about. It’s understanding that we’re worthy of releasing those past traumas and to stop turning to negative distractions as a result of that trauma. Debt, alcohol, bad food, cycles of bad relationships and working ourselves into the ground; these are all examples of us not living in the highest expression of ourselves.

To gain a level of self-love that is truly authentic, you have to be prepared to identify those past traumas and challenge yourself when you feel tempted to turn to your old coping mechanisms. This is about raising your energy physically, mentally, emotionally and spiritually. To allow yourself to feel through the feelings as opposed to avoiding them through these distractions.

Your purpose and beginning to live your purpose will start to become crystal clear and because you’re creating expansion throughout all of your energetic pathways, you will soon see the channels of abundance opening up in ways you didn’t even think would be possible! You’re now living from your heart center and you begin to see the world, yourself and your life through a different lens.

Take small steps

Once you have done some work on releasing your past traumas and subconscious beliefs, it’s now about allowing yourself to be on that bridge. To know your worth, means allowing. For us type A personalities, I appreciate this can be challenging! This is about living in your feminine energy of flow, expansion and allowing, instead of the ‘push’ masculine energy so many of us operate from by default.

To fulfil your purpose, you can start right now today by raising your awareness and spotting those channels of opportunity opening up. To take small steps towards living your purpose. This could be as simple as giving yourself time every day to create your artwork, to look at local courses that might offer you further skills or qualifications, to see if there is any opportunity to switch roles at your current job or to look for one that is more aligned. Again, your purpose can be anything you desire. No matter how big or small – it matters. You are worthy of everything you desire and when living from that place of authenticity, you will attract everything you need to you to make it happen. Be aware of how you speak to yourself and the words you choose when speaking to other people. Talk positively about your desires and be excited! Your words after all, create your world and you’re also raising the energy of the collective energy grid at large!

Think about your purpose from a long-term perspective

To know your worth also means knowing that you’re worthy of looking at your life in the long-term. When you plan for the future it actually enables you to live more presently in the now. I’d like you to consider; what does your long-term self-care look like? How do you want to set your financial intentions up accordingly? At what age would you like to retire? Where would you like to live? These are all things that can be adjusted along the way of course, but by planning these important factors out now, it creates more of a roadmap for you to go out and fulfil your purpose because you know what you’re working towards.

This is the essence of what it means to know your worth - and particularly from a financial perspective. It’s about loving yourself enough to take care of your financial past whilst also addressing your financial present and future. When you do, living your purpose and a life of real wealth on every level becomes a joy to work towards because you’re doing so by living every day from your heart as your true, authentic self.

How to Discover Your True Destiny and Pursue your Passion

julie@juliemurphy.com (Julie Murphy) — Mon, 18 Apr 2022 10:00:00 GMT

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So many of us can fall into the pattern of living life by default. We might have a job that pays well and funds what is deemed a good lifestyle, yet there’s an underlying sense of something being missing. Or, we might have a job that simply allows us to get by and that we don’t enjoy, whilst also having an inner knowing that we are meant for something greater. When I talk about pursuing your passion though, this extends far wider than how you choose to earn money. Your true destiny - and what I call real wealth, is about creating joy, fulfilment and a profound sense of freedom in all areas of your life – your career, your relationships, your health and your overall quality of life.

In this article today, I’m going to share some ways in which you can begin to pursue your passion and how to discover yourself.

Give yourself permission to dream

Following your passion isn’t only reserved for the ‘lucky ones’. It is available to each and every one of us and the magical thing is that once you are in alignment with your true destiny and become that authentic version of yourself, doing what you love and what makes you feel alive on every level, everything begins to fall into place. To get to that though, you have to allow yourself to picture in your mind what you want to create. To see that it is a possibility is already expanding the energy of abundance and now it’s your job to flow with that and visualize what your life would look like when you embody your true self entirely and begin to pursue that passion of yours. What would you be doing? Who would you be spending your time with? What would your family life be like? What would your income be? What kind of experiences would you like to have? What would you choose to invest in? Allow yourself to have fun and play with this! The more you drop down into your heart and let go, the clearer the visualization will become.

Consider what you love to do in your free time

Perhaps you’re not sure how to pursue your passion because you don’t know what your passion is? If so, that’s ok. You just have to identify the clues! This is all part of learning how to discover yourself. I’d like you to consider the things you would love to do for free if money wasn’t a factor. Would it be art, cooking, teaching, housing renovation, selling, programming, writing or something else? What type of podcasts or books are you naturally drawn towards? What do you like to learn and read about? What type of events do you wish you could attend but don’t? What did you love to do as a child? What makes you giggle? These can all provide clues on where to start exploring.

Take small steps

Once you have a more solid idea of what your true destiny and passion could be - and there might be more than one, now is the time to create momentum. The dreaming part is important, but what really sets your manifestations into action is by doing. Does your passion factor into your everyday life in some way? If not, how can you begin to incorporate it in? This is all about intention. Your true destiny is there for the taking and now is the time to allow yourself to live that! If art is your passion, are you intentionally painting or drawing every day? To pursue your passion, it doesn’t mean you have to give up your job right now either. It’s about finding time to do it every day - even if it’s just for ten minutes. When you start to act on doing what you love, the opportunities soon start to follow because you’re connecting to your heart. It’s when time seems to flow by so fast because you’re truly immersed in the joy of what you’re doing. Once you start allowing yourself to follow your passion in some form every day, you’re on your way to embodying real wealth. It will make an incredible difference to your quality of life and build that muscle of getting better at your passion! Perhaps you could even take a bolder step. If teaching is your passion, could you find some part-time work that fits within this, mentor someone or create an online course teaching what you know?

Create financial flexibility

As I mentioned earlier, it is possible for all of us to live a dream life following our passion but to do this, you need to begin creating a safe financial container for yourself to have more financial flexibility. It’s about reacting differently to your old patterns and choosing a different way. I have a huge number of tips on how to do this in my YouTube videos but essentially, this is about intentionally setting up your finances in a way that addresses your financial past, whilst taking care of your financial present and your financial future. Creating more consciousness about the flow and energy of your money and setting this up in a way that is automatic so that you don’t have to think about it, gives you more time to pursue your passion and follow your true destiny. To leave that job that doesn’t serve you and become financially free. To discover yourself! Even if you’re currently living paycheck to paycheck, by following your heart and then implementing some financial adjustments and strategies that work in alignment with your desires, you’re on your way to creating that dream life that you visualized earlier. It’s all about living in that high vibrational energy and when you do, things will soon begin to shift!

To pursue your passion, it doesn’t have to be complicated and the act of doing so allows you to step into the greatest and highest version of yourself. Be mindful of those crabs in your bucket and commit to staying true to yourself in every way as this is also when you become the most magnetic! Your only job is to allow yourself to explore, then follow those clues and opportunities and watch how things magically unfold!

3 Things I Wish I’d Known About Personal Finance in College

julie@juliemurphy.com (Julie Murphy) — Thu, 14 Apr 2022 10:00:00 GMT

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With so much advice on personal finance out there, it can be overwhelming to know where to begin. I know from my own experience that my view on personal finance has shifted substantially since college. I’m grateful to now be able to impart this knowledge with my clients and with you!

In this article, I’m going to share my 3 key learnings. Whether you’re at college yourself or further into your adult years, you can also begin to implement these into your own life.

Creating wealth is going to look different for everybody

Much of the college advice out there - and actually, much of the general advice in the financial industry, focuses on strategy alone. You might be given some solid financial education, which indeed is important as it enables you to make considered decisions, but what is missing is how creating real wealth should be approached from a holistic perspective.

Money management advice tends to be handled in a very left-brain way and can often be fear-based and from a scarcity mindset. Where are the lessons on creating abundance and educating that there is more than enough to go around for everyone to create real wealth though? I’d have loved to have learned about that!

College advice will often advise you on how to save money, what goals you should be aiming for, what investments are a smart option and so on. But where does your heart come into the equation here? What do you want from your financial present and your financial future on a heart and soul level? What will be aligned for one person can widely differ from the next and so their financial planning strategies would also be different.

Whatever financial choices you make, you have to take yourself along for the ride . That might mean going against the grain of what the standard personal advice tells you.

Money is so much more emotional than we think. It isn’t about accumulating as much of it as possible and believing that will automatically lead to success, happiness and a fulfilled life. There isn’t a blueprint for how long we should work, how many properties we should aim to own and when we should retire. I’ve worked with so many clients who believed that if they push and strive to meet the expected goals set externally, this would be the key to happiness only to be disappointed later in life. They might have had the impressive investment portfolio, the home, the career and a thriving bank account, but at the cost of their family life, health, life experiences and soul purpose.

The way we choose to save, spend and invest and the way we choose to earn money should all be guided primarily by our hearts and then we can use smart thinking and financial education to choose in a way that works for us. When we’re fully aligned in these ways, this is what creates a flow of money that feels good to us on every level and we attract more of it. It doesn’t mean that we just ignore all of the college advice we’ve been given and live life recklessly! It just means that we can make better financial choices on an individual level, using that knowledge, but in a way that meets our goals emotionally, spiritually, physically and mentally. Money should be approached holistically and all of these pillars taken into account.

You get to choose how you want your money to flow

I also wish I’d have learnt how money is energy. As I know now, everything is energy including money and you have the power to choose how you want your money to flow. You have to apply your own personal financial strategy to yield the best results for you . Most college advice and personal finance lessons on how to save money tend to come from a one-size-fits-all approach but again, the flow of money will be different to everyone depending on where your heart is at. Something I recommend clients do is to take a financial date night every quarter either with themselves or their partner and map out their income and outgoings as well as their debts.

Looking at how you want to allocate your money - so how much is going towards paying off your financial past and how much is funding your financial present and financial future means that you can continue to adjust and tweak according to where you are at. It also means you can consciously put money aside in emergency fund accounts for those times when you might have otherwise had to turn to debt instruments. Becoming your own bank is the key here and the most empowering financial goal you can have.

Creating awareness around your money is key to optimizing the flow of it. When you know at any given point exactly how much you have coming in and going out, when you feel good about your spending and saving choices and when you’re consciously choosing all of these things and then automating it (setting up automatic payments to be deposited into your accounts), you are free to release control, to feel safe that it’s taken care of and focus on being the most authentic, aligned version of yourself to ramp up the flow of that money energy even more! To quantum leap it to the next level.

Self-care plays into the equation

Self-care and self-love is such an important part of personal finance and one that is overlooked considerably. As mentioned before, everything is energy and our finances are a result of everything else going on in our lives. We might be using debt as a form of emotional distraction or numbing or spending in ways that are reactive as opposed to from a place of empowerment. We might be people-pleasing at the cost of our own needs and finances. I work with many women in particular who this applies to and even though, like many women , I was super financially conscious myself, I still had to work on this area. If we’re not taking the time to take care of ourselves on a physical, spiritual, mental and emotional level, it’s going to show up financially.

Practices such as meditation, connecting with nature, setting boundaries, resting and getting truly aligned with who we are at our authentic selves is such a key part of the overall picture of personal finance.

A 3 Step Guide To Changing Your Life

julie@juliemurphy.com (Julie Murphy) — Mon, 11 Apr 2022 10:00:00 GMT

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When we set our minds to it, it’s absolutely possible to make quantum leaps in our life. So many of us live life by default and this is where we fall into debt, the wrong relationships, misaligned jobs and our health begins to suffer. So how is it possible to change your life if there seem to be so many obstacles? The art of personal growth and self-improvement is about choosing to view your life through a different lens - through one that is heart-centred. From this place, this is where everything can begin to shift.

In today’s article, I’m going to offer you 3 ways to change your life today.

Accept Your Reality

The reason why so many people continue to live a life that doesn’t bring them fulfilment and what I call real wealth , is that they’re unable to accept their reality , shine a light on it and feel those feelings. What do I mean by this? Taking your finances as an example, if you have debt, how do you truly feel about that debt? Do you know exactly how much debt you have and what is coming in and going out each month? Do you have a plan that you feel good about in order to pay off that debt? Or, are you avoiding it? Do you experience those spending hangovers that cripple you emotionally, yet you push them down and they just keep happening?

When life gets uncomfortable, our tendency is to stay in denial. This could also apply to relationships and health. To change your life, you need to accept your reality - but without any blame, shame or judgement. You have to approach it with compassion for yourself. You have to jump off that bridge and by that, I mean opening those bank statements, getting in the weeds and mapping out your debts and cash flows and most importantly, understanding why you have developed the patterning around money that you have. Again, this is also the same for relationships and any part of your life where you continue to get the same undesired results.

The key to personal growth and to open the channels for manifestation, is cultivating radical self-awareness. To allow yourself to feel the emotions attached to your money and to identify why you have turned to debt instruments. What is the deeper reason for that? Tools such as meditation and journaling can be helpful ways to gain more clarity on these factors.

Create Expansion for Freedom & Flexibility

I believe it’s accurate to say that we will want to live a happy, fulfilled and abundant life. Real wealth is about a profound sense of freedom in all areas of your life and to attain this, you need to have the power of choice. If you’re in a job that you hate, you’re probably only staying in that job because you don’t have the financial flexibility to take time to find something that’s fully aligned on a heart and soul level. Yes, this might be your current reality - as I have just mentioned above, but it doesn’t mean you are stuck! Far from it.

To create expansion and to open the channels of abundance whilst in the present moment, it’s crucial that you allow yourself to consider the possibilities. Is there a job that could be more aligned to your dream job that you could look for? How can you map out the current flow of your money (your income and outgoings) to begin to become your own bank and create that financial flexibility to eventually leave your current job? Could you shift how you feel about your job and see it merely as a way to fund the bigger dream? Could you start a business or side-hustle that will enable you to live out your passion now and create more income?

Open the channels for expansion. Allow yourself to be on that bridge and you will soon feel a profound difference energetically and see this reflected back to you in your life.

Self improvement is largely about shifting your mindset and then taking the aligned action. This is about becoming the CEO of your own life ! The world today largely operates from a mindset of scarcity. You might be around people who also embody this sense of lack and who have found themselves stuck in the same jobs, relationships and lives they dislike, but that they have also become a victim to.

Your responsibility is to stay in your own energy lane. You are responsible for everything that you have created in your life and so the great news is that you also have the limitless power to do things differently with this shift in mindset. You have to elevate your emotions and state to as high a vibration as possible (which is also why the acceptance piece that I spoke about earlier is so important to be able to get to this point). By continually cultivating self-awareness, this is where you will begin to make quantum leaps in your life.

Create a Long-Term Self-Care Plan

To truly change your life, master self improvement and take responsibility for your personal growth means taking care of yourself right now whilst also planning for your future. I have a video on what long-term self-care looks like here and I deeply encourage you to watch this as I offer some key education around the choices available to you.

When you feel like your future is taken care of including how you want your finances to look, what insurance policies are available to consider and planning for your retirement and beyond, it offers you a sense of security that enables you to truly live in the now being fully present.

Start putting these suggestions into practice and you can look forward to changing your life in profound ways!

Why You Need to Make Yourself a Priority in Life

julie@juliemurphy.com (Julie Murphy) — Thu, 07 Apr 2022 10:00:00 GMT

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With many of us today juggling so many responsibilities and commitments in the busy pace of day to day life, it can be a challenge to even find 5 minutes for ourselves! The demands of our jobs, families and businesses often take first priority, meaning we neglect to take a step back and think about catering to our own needs.

Or, even if we don’t have some of these commitments, we might consciously or subconsciously berate ourselves for not having what we believe we should - the family, the high-flying job, the thriving bank account and the flourishing business. Even though we have a little more time, we’re still not making ourselves a priority because of this negative self-talk.

If either of these scenarios resonate with you in some way, today I’m going to share with you why it’s so important to make yourself a priority, how to focus on yourself and how this actually enables you to be a better parent, caregiver, employee or business owner.

Why it’s important to take a step back

Think about it; if you’re burnt out, constantly seeing to other people, are stressed and generally overloaded, you’re running beyond capacity and the chances are you’re unable to live in true alignment and in the authentic expression of yourself. When operating from this place of auto-pilot, you’re not able to be your best self to those other people and commitments because you’re neglecting to take the time to reconnect to yourself and your heart. This is the essence of what self-love is about. I share more about the idea of long-term self-care in this YouTube video , which I highly recommend you take a look at.

And I understand, for many of us, self-love might feel like something that’s indulgent, selfish, a luxury or only reserved for those rare times out of our schedule such as when on vacation or going to the hairdressers! The truth is, self-love is far deeper, more nuanced, the least selfish thing you can do and something that is crucial to practice on a day to day basis. This is because it enables us to tap back in to the core of who we are. To make yourself a priority doesn’t mean being indulgent or something to feel guilty for and it also doesn’t mean abandoning the needs of others or your job. It means giving yourself the gift of living to your true potential and therefore showing up for the people and responsibilities in your life being fully present and with energy to do what needs to be done.

It’s ok to say no

So with so much going on, how does one find the time to take that step back? How to focus on yourself when there seems to be a never-ending stream of demands? You have to learn how to say no and to not feel guilty for doing so. Whilst there are commitments in your life that have to be attended to, there are probably many things that you could say no to. Whether that’s helping a friend move, regularly staying late at work or being the one in your family who always seems to have to step up to sort things out. You can say no to these things and it will benefit you in so many ways if you do.

I understand how guilt can creep in. However, this is about learning to set boundaries which is the ultimate expression of self-love. If you’re always on-hand to stay late at your job, your boss will come to expect this. If your friends or family take it for granted that they can rely on you when in a fix, this is what they will expect too. Simply saying “No” will assert boundaries, free up your time and enable the people around you to see you in a new light. It’s amazing how when you set your standards and do this unapologetically, others will follow accordingly.

Create time in your calendar for yourself

Just like you probably use a diary or calendar for other commitments, I’d encourage you to do the same for your ‘me-time’. This time is purely for you. Whether that’s just taking an hour to read a book, to meditate, to walk in nature or explore something you love - a passion or hobby, this is about reconnecting to yourself. To think about what brings you joy and what might you have lost sight of. To consider if you’re truly happy in the life you’re living right now? Are you happy in your work life and relationships? It gives you time to view your life through a more simplified lens and to see where there might be changes to be made.

This time has to be non-negotiable, just like those other important commitments. This is how to make yourself a priority and it doesn’t have to mean taking hours out every day either! Plus, it gives you something to look forward to when life does get challenging.

Learn how to manage your time

Time management is a huge part of self-love. If you’re spinning your wheels trying to get everything done and failing to meet your core needs in the process, this suggests that it could be a case of looking at how to manage your time in a way that creates more time and space.

If you’re familiar with my work, you’ll know I’m a big believer in being fully aware of the flow of your money and looking at where things can be simplified and automated. You have to think about your time in the same way. Could you structure things differently such as doing the chores in one go a day a week instead of at random times every day? Could your family have dinner earlier and all at the same time or could you enlist some help from your partner or children to help with meal-prep or school lunches to free up some time? Could you start actually taking your lunch break (and properly taking a break!) instead of answering emails or working through it?

Once you take time to look at your day to day, you will likely find ways to free up space that you can then dedicate to yourself.

And of course, getting adequate rest, nourishment, exercise and meeting your core needs are a key part of making yourself a priority. When you do all these things, you will soon notice how much of an impact it has on your life. Your stress will reduce, you’ll have more energy and feel more aligned to your true self. This will enable you to show up for the people and commitments in your life to full potential whilst also giving yourself the time and care you need to thrive.

5 Simple Things You Can Do to Practice Gratitude

julie@juliemurphy.com (Julie Murphy) — Mon, 04 Apr 2022 10:00:00 GMT

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Gratitude is an incredibly important part of living an abundant and fulfilled life. It’s easy to get disheartened, overwhelmed and stressed out about what’s happening in your life and so gratitude can often get overlooked. The implementation of even a few consistent gratitude practices is a powerful way of bringing us right back into the present moment and seeing our life through a different lens.

What is Gratitude?

To understand how to achieve gratitude, let’s look at what it means. Gratitude is a more layered concept than simply saying thank you. It creates a positive emotional response and this is a core part of shifting the energy within the body on a physical and emotional level.

The energy of gratitude is one of abundance, appreciation and positivity. When we show deep and heart-felt gratitude for even just the smallest things in life, this in turn also ignites the law of attraction and we soon find that same energy is reflected back.

A huge number of studies have also shown that gratitude can create a profound impact on the quality of our physical, psychological and emotional health. It brings the focus back to living mindfully as opposed to by default, and to appreciate the positive parts of our lives and the people in it.

I’m now going to share 5 simple ways to practise gratitude and how to use it to enrich your everyday life.

Keep a gratitude Journal

Keeping a gratitude journal can be a wonderful way to consider all the things that bring you joy, make you smile or evoke a positive response. Keeping a list of 5 things that you’re grateful for at the end of each day can also help you to truly appreciate all of the abundance in your life and the small things that often get overlooked but in fact, create a big impact. It also shifts your mindset from one of scarcity to one of love, fulfilment and happiness.

As humans, we tend to focus heavily on the negative things in life but a gratitude journal or even simply writing down 5 things to be grateful for each day, trains our mind to look for the things, people and situations that make us happy. It can also help us to identify where we’re being proactive in creating our own feelings of self-worth and growth.

Notice the beauty of nature

Nature is something to truly be admired and grateful for and immersing ourselves in nature is one of the best gratitude practices out there. It’s also the perfect way to reconnect to our hearts - something that can easily be overlooked in modern day life. One thing I always recommend to clients if they can, is to take time to be in nature, to disconnect from technology and the pace of day to day life and really absorb it. I encourage you to do the same. Notice how the breeze feels on your skin, to revel in the colours, the movement of the trees and how fresh the air feels. Nature is an incredible way to calm the nervous system, to ground and anchor us and create a sense of rejuvenation in the body and mind.

Show thanks to someone in your life

We can get so used to the people in our lives and taking that for granted is something most of us are guilty of - at least from time to time! Try and make it a part of your everyday routine to show thanks to those people. It doesn’t have to be a grand gesture; just telling them you appreciate them or thanking them for making you smile. The act of doing this will not only strengthen your relationship with those people and infuse positive energy into their lives, but when you notice how great it also makes you feel in turn to witness that, this trains your brain to be mindful of upping this energy of appreciation and gratitude in all areas of your life!

Alternatively, showing gratitude energetically can also be just as powerful. If it isn’t possible to tell or show that person how much you appreciate them, take a moment to be still, visualize them in your mind and send out the energy of love, appreciation or thanks. Everything is energy and our thoughts are more powerful than we realize. The frequency of our thoughts are like a radio signal and have their own energy. So by consciously sending out these thoughts of love and gratitude, this will reach the person you’re sending them to on an energetic level!

Be thankful when life doesn’t go as planned

When asking yourself how to achieve gratitude, you might be wondering how it’s possible to be grateful when you find yourself in what you feel to be a negative situation or in a place of uncertainty. However, when you can be grateful for the opportunity this presents, it completely shifts the trajectory of how you view the situation. Be on that bridge and be grateful that this point of discomfort is actually enabling you to reconnect to your heart and your soul essence. If life followed a planned, linear path, this wouldn’t allow any room for growth or expansion! It’s those moments when we’re on the bridge and during those times of uncertainty where instead of resisting, we simply allow and create space, this is when we can create radical changes that align us to the life we want to live . So next time you find yourself in a place of discomfort, be grateful for it. Know that it’s an invaluable learning experience and leading you to something beautiful.

Laugh more!

Possibly one of the most powerful gratitude practices available, humor and laughter is a fantastic way to allow in feelings of positivity. I’m sure you’ve noticed how great you’ve felt in those moments where you’ve laughed until you cried! How much it’s uplifted your spirit and enabled you to see things from a different perspective. Laughter and gratitude go hand in hand so I encourage you to allow yourself to laugh more and consciously find ways to do so! Watch comedy movies or stand-up, read funny books, spend time with people who make you laugh and embody an upbeat, fun and positive nature. I assure you, when asking yourself how to achieve gratitude, find something to laugh at and you’ll soon notice the shift!

Do You Want Financial Freedom?

julie@juliemurphy.com (Julie Murphy) — Thu, 31 Mar 2022 10:00:00 GMT

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Financial freedom is something that I am incredibly passionate about talking about because it isn’t just a reflection of your money. Financial freedom or what I call ‘Real Wealth’, is a profound sense of freedom in all areas of your life; your money, your health, your relationships and your career. It allows you to become more flexible and nimble and most importantly, it provides the power of choice. It paves the pathway for ultimate financial independence. It doesn’t have to be a luxury only reserved for the lucky few, and is something each and every one of us has the ability to create. Today. I’m going to share my tips on how to achieve financial freedom.

Start small

You might be thinking that financial freedom is something that is out of the question to you if your current financial reality isn’t where you would like it to be. I understand that it can feel overwhelming, but the very first part is to break things down.

Most importantly, you have to be willing to accept your current financial reality, whilst then shifting your mindset to one of expansion and being open to the possibilities. This is then where energetically, you begin to see your finances through a fresh new lens and assess what small changes can be made. It’s these micro changes that when implemented consistently, make the biggest difference!

An exercise I encourage you to do, is to write out and fully break down your cash flow and expenses - this would be your utility bills, rent or mortgage, cell phone bill, subscriptions, groceries, travel costs and so on. Break these down monthly, weekly and daily and leave no stone unturned. Once you have a clearer picture written down, you can quickly start to identify where tweaks and changes can be made. I encourage you to look at these expenses and tune in. Consider which things truly bring you joy or value in your life and which could actually be reduced or even eliminated?

Next, do the same with your debts. Could any be reduced to 0% interest for the next 18 months? Don’t be afraid to call your bank and discuss it with them. It’s in their interest to retain their customers and you will often find that a conversation is all it takes to achieve a good outcome! The very act of calling your bank is a way to uplevel your financial literacy and knowledge, which when asking yourself how to achieve financial independence, is a key element and one that is incredibly empowering when you build that muscle!

Set yourself free from debt instruments

Becoming your own bank is the ultimate way to achieve financial independence. Why? Because it means you don’t have to rely on debt instruments. You’re activating the energy of abundance, whilst also bringing in your financial smarts to have money there for your financial present and future available, even in the most unexpected of circumstances.

This is why writing down your debts is helpful because you know exactly what you’re working towards paying off. Once one debt is paid, the key is to not restart the debt cycle. Funnel that same amount of money you paid towards the previous debt into one of your financial intentions.

Something I often see is relying on debt instruments as a way to ‘keep up’ or to fulfil expectations imposed upon us by those close to us. These are what I call ‘crabs in your bucket’ . Whilst we all have to take ownership and responsibility for our choices, I do understand the pressure you might feel if this resonates with you. I even see it in companies where employees are encouraged to pay for something on their credit card and then don’t get reimbursed until weeks later. Or, maybe you have friends who have had celebrations where being involved has meant spending beyond your means. Perhaps your parents have encouraged you to make a financial choice that wasn’t actually aligned with what you truly want?

All of these examples lead us to turn to debt instruments. But I’m here to empower you to know that you don’t have to do this. You have no obligation to fulfil anyone else’s expectations. By enforcing some boundaries and being crystal clear on your greater goal for financial freedom and your soul ‘why’ behind this goal, you are leading with your heart. You are choosing for yourself. By standing in your power and living in authentic alignment with your financial goal, this is when you’ll be activating the energy of abundance and your life and money will shift in profound ways!

What Does Financial Freedom Truly Mean to You?

Following on from the above, we all have different desires and you might have found that yours differ from your friends, colleagues, parents, grandparents or children. Perhaps what you thought were your desires were actually imposed upon you from your family? When this happens, we tend to block our core, heart desires because of the subconscious need to live this life that other people want for us.

Therefore, debt becomes a distraction. We believe that the bigger house, grander vacations and always being the one who buys the dinners out will create that validation that we’re craving. These cravings typically stem from childhood and the debt we create as adults, is our way of fulfilling these and feeling accepted.

But is this truly making you happy? I encourage you to step outside of your current life for a moment and tap back into your heart. Is the life you are living, one that allows you to live in the full expression of yourself? By turning to debt, what are you trying to emotionally avoid in that moment? By creating this awareness, it makes achieving financial independence a lot simpler than you might have initially thought. It offers you deeper insight into your true, soul being and when you act from this place along with then building your financial literacy, this is when everything will really begin to build momentum for you – and your money, in ways you could never have imagined!

How to Choose Your Money Mindset

julie@juliemurphy.com (Julie Murphy) — Mon, 28 Mar 2022 10:00:06 GMT

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Whilst there are a number of practical tools and techniques that will help you on the path to financial freedom, your money mindset is undoubtedly the most important piece. Without a healthy mindset towards money; one of empowerment and abundance, you can implement all the strategies out there, but you will still fall into the same financial patterning. It’s the emotions that have to be brought into awareness and identified first. Creating a deep awareness around your emotional patterning and your money mindset will allow each financial decision you make, to come from a place of true authenticity.

In this article, I’m going to share some ideas on how to choose your money mindset and what this means.

How do you feel about money?

When you think of money and begin to contemplate how to manage your money, what is your initial feeling? So many of us fear money and we have an underlying belief, usually cemented since childhood, that there is never enough to go around. In fact, this was a belief I personally struggled with years ago! This belief only then serves to play out in our lives, constantly reinforcing itself. To gain clarity on what you want your money mindset to look like now, in the present moment, it’s about being willing to shift those beliefs.

The law of attention is always at work. It isn’t something that we switch on or off. If your subconscious is telling you that money is to be feared, this is what will be reflected back to you regardless of how much money you earn and attract. When you identify your emotion behind money, you can then begin to do the deeper work on healing it. Expanding your awareness is the very first step towards creating a money mindset of abundance!

Managing your money

When asking yourself how to manage your money, this again all comes down to your money mindset. I have a huge number of videos and articles offering tips and specific strategies on how to manage your money but to implement each one, your mindset is key, which I also talk extensively about.

If you look at your cashflow and the energy and flow of your money, how do you feel? Are you conscious about how you’re choosing to allocate your income to your financial past, present and future? Do you take yourself on financial dates and review the flow of your money? Do you check in with yourself when you’re spending money and creating awareness about how each choice makes you feel?

Having a healthy and abundant money mindset means that every financial decision is made with full consciousness. You are choosing for yourself. You are choosing financial independence and becoming your own bank as opposed to operating from fear and relying on debt instruments to get by.

Are you allowing yourself to live the true dream?

It’s so easy to fall into a mode of living life by default. A huge number of people I see are living a life that is completely mis-aligned with who they are at their core. They’re not living out their soul desire or in a way that is truly authentic to them. When we’re living out of alignment, our money mindset and bank account is a reflection of this deep dissatisfaction. I encourage you to take a step back. Step out of the buzz of the world - away from distraction and technology. Take yourself to a place of calm and just allow yourself to be. Tune into yourself and tap back into your heart. What is it you truly desire? If you could step out of your life today with no consequences, what would the one you step into look like? How would you choose to earn your money? How would your relationships change? Would you change your lifestyle?

The answers to these questions might feel uncomfortable but by being willing to be on that bridge and to go there, you’re shining a light on the things in your life that aren’t bringing you joy. From here, what needs to happen to change that? What micro-steps can you take?

Whilst for most of us, it isn’t an option to step into that dream life right now, I’m here to tell you that each and every one of us has the power to start paving the path to that true dream today! The moment you shift from lack to one of possibility and expansion, this is also when your money mindset will change accordingly. From that place, you can then start to become a real money manifestor and you’ll be surprised at the synchronicities that show up for you!

Look for examples of people that show what’s possible

Something that can be incredibly helpful in shifting your money mindset is to think about examples of people you admire and who embody the money mindset and life that you would like for yourself. This doesn’t even have to be people you know – it can be people you are aware of from a distance or even someone famous! Instead of taking on the energy of people or media that only serve to fuel any negative beliefs around money, consciously choose to consume information, advice and the experiences of people who support the money mindset you want to cultivate. Absorb what has been possible for them and see it as evidence of what’s available to you too. When you constantly see those examples, this activates the energy of abundance and you can use that as fuel for inspiration!

The incredible thing about manifesting and the law of attraction is that it only takes small mindset shifts to create exponential change in our lives. When you can approach every financial decision you make with consciousness, an open heart and with consideration of the version of yourself who is operating from their highest, most magnetic and vibrant self, it is truly amazing to witness the opportunities that arise, the doors that open and how money begins to flow to you. And this all starts with choosing your money mindset - because it always is a choice no matter where you’re starting from.

10 Ways to Increase Your Savings

julie@juliemurphy.com (Julie Murphy) — Thu, 24 Mar 2022 10:00:02 GMT

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The idea of building up your savings can be overwhelming, particularly if you already feel restricted financially. However, no matter where you’re starting from, there are always ways in which you can build upon your wealth! It’s about approaching the situation from a place of expansion, awareness and empowerment. In this article, I’m going to offer 10 ideas on how to increase your savings today.

Be intentional with ‘New Found Money’

I mentioned that this is about expansion and abundance. What I like to call ‘New Found Money’ is a perfect example of this and one of the easiest savings strategies available! New Found Money is where you can find extra money in your current cash flows that you can then allocate to one of your savings buckets. Or, where you find yourself with unexpected extra money such as a raise, bonus, tax return or inheritance. I’m now going to share a few specific examples of how to use New Found Money to build your financial independence.

Redesign your cell phone package

So many cell plan providers tie us into contracts that we sign up for and don’t really take the time to work out if we actually need or benefit from what we’re getting. Month after month that money is going out, and it’s highly likely that you can find a better value plan that serves you just as well. You could easily save a substantial amount and put it towards one of your savings intentions instead. A quick tip; it’s in a cell provider's interest to keep their customers so if you do find a better deal, don’t be afraid to call them and advise that you will be going elsewhere if they can’t match the offer!

Stop auto charges on subscriptions that you no longer use

Many of us make monthly payments on our cards for monthly subscriptions that we rarely use. These include gym memberships, online courses, streaming services and a number of others. These are renewed automatically - often for amounts such as $14.99 a month and it can go on for years without us being aware! Take some time to go through all of these subscriptions and charges and stop the ones you no longer use or that aren’t aligned with your current goals. By stopping these charges, you’ll be surprised at how much you’re saving! The important thing here - as with all of these savings strategies, is to be highly intentional about then implementing a system where the money you’re saving is being deposited into your savings account on auto-pilot instead.

Pay off your 401k loan

How to increase your savings today? Become your own bank. An example of this is putting your efforts into paying off your 401k loan and once that is paid, having that same amount of money automatically be deposited into your emergency reserve account. Next time you need to make a large payment for a house repair for example, you’ll have the money there ready and you won’t need to rely on someone else or a financial institution.

In fact, applying this savings strategy to all your current loans and debts is one of the most effective paths to true financial independence. Once you pay off a debt, shift that same payment towards one of your financial intentions instead. Another example is your car payment. Once that is paid, make the same payment to your savings to cover a new car payment in the future. I can guarantee, once you start to build momentum with this, it becomes incredibly empowering. It ignites the energy of abundance and you’ll soon find even more money flowing to you in the most unexpected of ways!

Redesign your current debts by finding better rates

Again, this one is about doing some research and not being afraid to call your banks and talk to them about your debts. By structuring your debts in a way that’s more aligned to your current financial goals, you’ll be surprised at how much you can save. A great resource is www.creditcards.com

Try Groupon

Groupon and other experience saving websites can be a fantastic way to try new things such as spa/beauty treatments or going out to dinner at a lower cost. I suggest you really have fun with this one! Think about all the experiences you typically like to do in a month and swap them out for Groupon alternatives. Use it as a way to try completely new things! Not only will you save a substantial amount of money you’ll also be opening yourself up to new adventures!

Be smart about your shopping

One thing I personally do, which has saved me a huge amount of money, is to shop in the grocery store on the perimeter. So this will mostly be your natural produce, fruits and vegetables, fresh fish, fresh meats, etc. Not only are these foods much healthier than all the processed foods, but they are also much cheaper. You can then put that money into your savings to insulate you from what’s going on in the macro economic environment. Remember, you can live a life of your own design - you don’t have to buy into societal norms and shopping this way will offer far more benefits to your health and bank account!

Challenge yourself to hold money

So many of us have subconscious fears about keeping money. Perhaps you’re someone who just can’t help but spend money when you have it? If so, that is an indicator that there is likely an underlying emotion around this. I expand upon this much more in this video .

Again though, having that awareness is the key to creating powerful change. Something I challenge my clients to do who find this is a barrier for them, is to take out cash and put it in their purse or wallet. However, they’re not allowed to spend that money. It has to stay put. When you’re proactively building that money saving muscle, your mindset towards how you choose to spend begins to shift. I encourage you to try the same and see how increasing your sense of awareness about holding your money feels!

Create more income

Finding ways to increase your current income is a great savings strategy and doesn’t have to mean starting a global business empire! Perhaps you could take on some freelance work that you already do in your day job (and potentially earn more!), sell your art on Etsy, promote your healing services and charge accordingly for them, publish an online course or book or rent out your spare room on Airbnb. Great creative and have fun with it! If you have a deep heart desire to start your own business, use this drive to increase your savings as an opportunity to create momentum!

Sell your unwanted items

Most of us have items in our homes that are unused and creating clutter but that someone else would probably pay for! Take some time to clear out your belongings and list your unwanted clothes, electrical items, books or anything else you find on sites such as eBay. Not only could this immediately add a couple of hundred dollars to your savings account, but by creating more energetic space in your home, you’re opening up the channels of abundance and making room for more manifestation to take place!

These 10 savings strategies not only show you how to increase your savings today, but also teach you how to build your money saving muscle. You’ll be on the way to your goal of becoming your own bank, which is the true path to ultimate financial freedom.

5 Financial Mistakes to Avoid

julie@juliemurphy.com (Julie Murphy) — Mon, 21 Mar 2022 10:00:00 GMT

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Although there are no strict rules when it comes to handling your finances, there are a number of common financial mistakes that I often see with clients. Many of these can be avoided and it’s largely about approaching your money from an expansive, empowered place in addition to bringing financial education into the equation.

Here are my tips on 5 financial mistakes to avoid.

Paying someone else interest with your money

This is one of my key pieces of advice when it comes to creating wealth. If you’re relying on debt instruments, you’re essentially paying someone else interest with your hard-earned money! Imagine what you could do with those funds and how you could instead, allocate them towards your financial future. Set the goal to pay off any debts and avoid restarting the cycle. For example, if you complete your car payment and want to purchase another car, have your own funds in place to do that without using further lines of credit.

Becoming your own bank is a gradual process but once you set that intention, it creates energetic financial expansion and becomes incredibly empowering to know you’re on your way to true financial independence, freedom and flexibility!

Not having an emergency reserve fund and turning to credit lines

This is one of those financial mistakes that is often overlooked but is incredibly important. We never know what emergencies and situations can come up and when we don’t have any money specifically set aside to take care of them, this is when we panic and rely on credit lines. Consequently, we’re then paying for the emergency long after it’s taken place.

My suggestion is to start a dedicated online emergency reserve account where every month, a portion of your income is deposited. This way, you’ll be building up funds to take care of any unexpected emergency costs and it will remove any stress and anxiety about how those costs are going to be handled. Again, this is all about becoming entirely self-sufficient with your money and not having to rely on anyone else to take care of your needs.

Create a House Maintenance fund

How often have you needed to replace something in your home and then had to allocate a substantial portion of your money that was intended to be spent on something far more fun or pleasurable towards it? Let’s face it, house maintenance costs can be expensive but by putting a financial intention in place for them, there’s no reason why they have to be stressful.

I suggest you put $250 per month into a House Maintenance savings account and over 20 years you’ll be able to pay cash for those new windows, a replacement roof, new appliances, a dishwasher, washing machine or air conditioner. All of these big-ticket items can throw your personal cash flow through a loop, but by having the money there in place already and ready to go, they can get taken care of without having any impact on the rest of your finances.

Stop financially bailing other people out

Are you that person who always seems to be rescuing others financially? Perhaps it’s your children or family members and somehow, you have become their go-to when in a financial fix? Or maybe you’re always insisting that you help them out?

This is about creating both financial and personal boundaries. If you’re always there to bail your child out for example, they’ll come to expect it and won’t have any reason to gain their own financial education to make different choices. I talk a lot about creating more empowerment with our money but the same goes towards offering this to other people. The greatest act of love you could give your child - or anyone relying on you financially, is to step back, give them the space for their own expansion to occur and to build their own financial muscles. Of course, it doesn’t mean you have to abandon them and you can still be there to support them emotionally. But what they will gain from creating their own financial independence is truly priceless and they will be grateful to you in the long-term.

Don’t create financial leaky containers

A big financial mistake I see is the creation of leaky financial containers. An example of this could be someone working so hard to earn as much money as possible, but as a result they’re ignoring their relationships or health. Over time, the impact of this compounds leading to relationship breakdowns, divorce and unexpected health costs. All of these eventually come with financial consequences later in life - and typically very costly ones! These are what I call leaky financial containers.

Creating what I call Real Wealth is about looking at your life through its full lens. Nurturing your relationships, taking care of your health and doing work that lights you up.

A further example is paying interest to a bank. You are not in a place of empowerment if you’re carrying credit card balances month after month. The leaky container is the interest that you’re paying, which let’s face it; none of us feel good about! This is again going back to the idea of becoming your own bank and setting healthy boundaries for yourself.

I talk a lot about this on my YouTube channel and I’ll be expanding much more on this idea of leaky financial containers in a future article, as they’re one of the most common financial mistakes I see in my work.

Wherever you’re starting from, by putting the above tips in place, you’ll already be on your way to avoiding most of the financial mistakes I often see. This is about creating alignment, expansion and true financial independence.

Make Your Money Work For You

julie@juliemurphy.com (Julie Murphy) — Thu, 17 Mar 2022 11:00:00 GMT

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If you’re familiar with my work, you’ll know that I’m incredibly passionate about teaching the energy of money. Money, like everything quantum, is energy and the reason why we end up in cycles of debt or realize our finances aren’t aligned with who we are or who we want to be, is because we’re failing to cultivate a relationship with our money. We might fear losing it, saving it or spending it and this only creates more of what we’ve been getting. The idea is to make your money work for you!

How do you do that? There are many methods including looking at passive income potential and how to make cash flow to you in a way that feels energetically abundant and completely aligned on a heart, soul and mind level. I’m going to share a few ideas and practices you can implement starting today.

It’s time to reconnect

So many of us live our day to day on autopilot. We get stuck in routines, are unsatisfied with our jobs or relationships, perhaps have health struggles yet continue on with this life that in our soul, we know isn’t the one we were meant to live.

To make your money work for you and to feel a sense of empowerment about the energy and flow of your money, you have to reconnect to your heart. It’s time to remove yourself away from the distractions, step out of that routine and begin to listen to your heart. One of the best ways to do that is to take a walk in nature. Disconnect from technology and put your hand on your heart. Physiologically, this will calm your nervous system and it will enable you to tune back into the frequency of your heart.

Start to ask it questions. How do you want to create a flow of money? What would that look like if, let’s say, you could leave your job tomorrow? What would you choose to do instead? In your dream life, how would you make your money?

I encourage you to remove the ‘how’ at this point. The idea is to cut through the noise, to leave your left-side, logical brain out of the equation and to carefully listen to what your heart is telling you. Increase your awareness. It might trigger emotions or feelings that you’ve been burying, but although this can feel uncomfortable, it’s cracking yourself open in this way that will lead to the breakthroughs. See this as a good thing and be proud of yourself for being willing to get vulnerable because it takes courage!

Once you have a clearer idea of what your heart desires are around money - and of course, all the other parts of your life that create a financial ripple effect, then you can add the smarts in to build a plan that’s coming from a place of authenticity, empowerment and abundance. The energy of the heart is incredibly collaborative. Once you start to follow what it’s telling you, this is when you become a powerful money manifestor!

Consider the idea of passive income

The majority of us don’t have the option to just leave our jobs or change careers tomorrow. This is what we can use as inspiration to create the ability to become more financially flexible though! And yes, to do that, there will be strategies you can put in place that allow you to save money in a different way (and strategies that feel empowering - not restrictive!) but what about opening the channels of abundance? In addition to assessing how you choose to make your current income flow in and out, for each and every one of us, there is potential to make more money with passive income. Begin to activate the energy of more!

Examples of passive income

Passive income is where you build something upfront that then continues to generate income over time. It’s about creating extra income streams and additional cash flow, which can then contribute to building the life you truly want to live and to become the person you are meant to become!

There are limitless ideas. These can include investments if this is something that is available to you, creating online courses or e-books, selling your products online, real estate or renting a room or property on Airbnb. Using myself as an example, my online courses are a passive income stream. I created a number of courses on financial wellbeing and living a life of abundance that I sell on my website and those are products that generate income over and over.

The great thing about passive income is that it also allows you to test out ideas. If you’d love to quit your job to become an artist, why not start the journey now? See how that feels now . Begin putting your work out there, set clear intentions for how much you want to make from your art. Tell people about it and send the message to the universe that you’re stepping into that person and career that’s truly aligned with your soul calling!

To begin doing the dream job and to begin living the true dream, you don’t have to wait. All it usually takes is courage and an investment of time.

Ultimately, this is about getting to the core of stepping out of living life by default and being bold enough to declare how you want to make your money work for you. Increase your awareness and intention. Start to play around with passive income ideas and how to make cash flow in ways that you might not have ever expected! Don’t be scared to allow yourself to dream the true dream because when you do, this is what activates the energy of abundance and possibility. Yes, there will be work and steps around how you choose to manage your current income and outgoings – and I have a huge number of videos on my YouTube channel offering tips and tools on how to do this, but it’s also about looking at the overall picture of how you want to live your life.

That will serve as your compass and on the path to authentic financial flexibility and alignment.

These Financial Goals Will Change Your Life

julie@juliemurphy.com (Julie Murphy) — Mon, 14 Mar 2022 11:00:00 GMT

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To activate the energy of financial abundance, it’s important to set financial goals. You want to know where you’re heading because it’s having a sense of purpose and clarity that creates momentum. In this article, I’m going to share some tips on how to set life changing financial goals that reframe how you look at money and to make it work for you!

Be intentional

To set the law of attraction in motion, there has to be intention, particularly with your money. Relying on what I call a financial ‘one hit wonder’ or not being aware of how your money is flowing is only going to continue the cycle you might have found yourself in.

There has to be a plan - and one that feels good on a heart and soul level. One of the great things I love about online savings accounts is that you can name them according to your intention. You could set up an account under the name of ‘Canada Fund’ or ‘Car Payment’ for example. When you log in and see that account named as your financial desires (and I encourage you to have fun with this!), it makes you feel even more empowered to intentionally deposit money into that account because it’s in full alignment with what you want to create!

I also recommend you fund these intentions on autopilot so that when you get your paycheck every month, money is being allocated to those accounts without you even having to think about it.

Make a regular plan to review your finances

Something I often recommend to my clients is to mark out a time in their diary to go on a financial date . This can either be with themselves or their partners and something you can do quarterly or a regular timeframe that works for you. It’s important to be aware that our financial goals shift as we grow. Sometimes our circumstances change, which might alter our financial trajectory. Or, what could have been a financial choice ten years ago - or even a year ago, might not be aligned with where we are right now.

There will be tweaks and you need to allow flexibility. That’s what this is about. Being willing to be flexible whilst also remaining true to your core, heart-led goals. The idea of taking yourself on a date to review your financial past, your current reality and your financial future can be incredibly helpful. You might have found that online subscription that seemed like a good idea 6 months ago, isn’t actually being used as much as you thought and in which case, you have the awareness to then release it and put that money towards another intention that really speaks to your heart now.

Divide your intentions into 3 buckets

With your financial intentions as I’ve spoken about above, next I’d like you to place these within 3 categories; debt, spending and wealth building. To set life changing financial goals, you need to create clarity and really double down on it. By knowing what portion of your money is going towards paying off debt, what can be allocated to spending (things such as unexpected expenses for example) and what is contributing to your wealth building, you’re going to become one heck of a powerful money manifestor! All because you’ve increased your financial awareness and not living your life by financial default.

Again, funding these intentions on autopilot is crucial. Make it easy for yourself - use the power of automation to your own advantage and release the control or effort to do it manually, because what you might find is that you negotiate yourself away from it!

Set yourself free from debt instruments

If you’re familiar with my work, you’ll know one of the biggest tips I give on creating financial goals is to become your own bank and release any ties to debt instruments as soon as you can. Why? Because it creates space for financial flexibility and the power of choice.

This is why thinking about your finances from a past, present and future perspective is helpful because you know exactly what debts you are working towards paying off and can plan accordingly so that you’re not having to rely on them in the future. Once one debt is paid, refrain from purchasing something else that restarts the debt cycle. If you want to have your mortgage paid by the age of 50, what needs to happen to do that?

Again, this is all about gaining clarity, increasing awareness and importantly, actually implementing the practices. You’ll notice that when you’re setting your financial goals in this way, practices that might have seemed restrictive before are now coming from a place of self-love. They’re a choice – you’re putting yourself in the driving seat of your life! You’ll soon notice how empowering that feels, which creates further momentum and ignites the energy of abundance!

Create energetic space for money to flow in!

When creating financial goals, you have to allow yourself to have fun with it. Allow yourself to dream the bigger dream! When you’re implementing all of the things I’ve spoken about, you know you’re being intentional and you know you’re creating momentum. But it’s also about creating energetic space to allow in further abundance! Taking time out to disconnect from technology, getting out in nature, putting your hand on your heart and truly listening to what it’s telling you can be profoundly life-changing.

Create nourishing experiences for yourself, have fun, laugh, have experiences and spend time around people who are energetically aligned to what you’re looking to create! If releasing debt is a goal, don’t spend time with people who are in debt. Look at your physical environment, your diet and be super aware of what media you’re consuming. Be open to money coming to you in the most unexpected ways! Remember, everything is energy and the more you can support yourself to clear those energetic paths, the more of a manifestor you will become !

How to Take Charge of Your Money and Live a Balanced Life

julie@juliemurphy.com (Julie Murphy) — Thu, 10 Mar 2022 11:00:00 GMT

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Creating financial abundance is all about learning how to take control of your money. When you feel in control of your finances, this is when you begin to live a balanced life and it has a ripple effect in every other area including your emotions, health and relationships.

Like everything, you are also quantum. You are energy and you are the creator of your life. This also means that you have created your financial reality. I completely understand this might be hard to accept, but the sooner we can accept it and gain the financial education to make different choices, the sooner we shift from lack to abundance and change our financial reality.

I’m now going to share 6 key ways that you can begin to do this.

Where is your heart in your financial decisions?

We’re all trying to make sound financial decisions but we’re often doing it from what I call an external referral system. For example, are you making an investment choice on the basis of someone else’s energy and where they’re at? Where is your own heart at though when it comes to that investment?

If you’re making these kinds of financial decisions through someone else’s filter, it might not be right for you. After all, like attracts like and you are financially wired similar to all the people around you. Therefore, it’s easy to take on their energy when it comes to money instead of leading with your own heart and soul desires.

Who are you spending time around?

Moving on from the above concept, when it comes to learning how to take control of your money , it’s crucial to consider who you are spending the majority of your time around. If you’re trying to get out of debt, you need to surround yourself with people who are debt-free. If you work in a company, does this company have a culture of abundance or one of lack? I’ve seen so many patterns in company cultures where people are encouraged to use their credit card for business expenses - client dinners, cabs, lunches. Typically, it’s all about paying to maintain an image. What tends to happen though is when the employees get the expense cheque back, they’re using it as income to maintain a certain lifestyle that is sometimes expected at work, not paying off the credit card and therefore creating a cycle of debt.

The lesson here is to be mindful of the financial energy of the company you keep. Similarly, if you have people around you talking about debt or creating their own debt, you will likely create the same.

Understand that money is energy

The universe works in such a way that when you give, you also tend to get and the cycle of this energy feels incredible! The major caveat here is to give, but not at your own cost. Not where you’re compromising your own financial needs. If you choose to give, do this consciously and from a place of heart and soul alignment. When you give from a place of wanting to help - not because you feel you should or because you’ve been pressured into it, it will flow back to you in so many beautiful and unexpected ways. You just have to bring yourself along for the ride and be fully on-board! The act of giving doesn’t have to be financial either - it can be your time or the offering of a skill.

Clear the clutter!

Are you a hoarder? If so, that is energy too! Be mindful that if you have ‘stuff’ around you, this is reflective of unresolved feelings and emotions. Our physical environment is a mirror of our emotional and financial lives and if there’s clutter, there’s a subconscious fear there. One of the first assignments I give my clients is to clear out any clutter in their closet and home, as to begin the manifestation process, you have to have space - physically and energetically.

Your energy around your money and your financial past is displayed all around your house and having clutter is reflective of your past emotions that are not being processed. Clearing space paves the way for the future you want to create!

Fill the holes of those leaky financial containers

I’d like you to think about where you might have what I call leaky financial containers. Is there someone you’re always bailing out? Learning how to take control of your money means loving yourself enough to have boundaries. I see this with a lot of parents and their children, or people without children who spoil their nieces or nephews. Of course, this is a fantastic thing to be able to do but when it becomes expected and a habit, that’s when it could start to become an issue. It doesn’t mean that you have to stop helping or caring about them - you can just show it in other ways. For example, something I love to do with my nieces and nephews is instead of giving them money, I give them experiences such as a day out or dinner. It creates enriching quality time with each other and also gives them that financial education that value can come in other, often more meaningful ways.

Are you over committing on your cash flows?

If everything you earn is going straight back out, this doesn’t offer you any financial flexibility. You can’t be nimble. Whilst you can blame everyone - your employer, the bank, the economy, inflation, your reality is what it is and it’s up to you to change it. You absolutely have the power to do that! Begin to find ways to free financial space and have that extra money go into your savings accounts. Perhaps you can save on your cell phone bill or cancel any subscriptions that you rarely use? Intentionally direct that money somewhere else. You’ll soon notice how empowering it feels to let go of those past financial choices and to be more intentional about your financial future.

Another tip is to revisit any insurance products you have and ask yourself if they’re still aligned now that you are in a different place in life?

The question you always need to ask yourself; where do you want your financial energy to go?

You will notice that many of the tips I’ve shared are centred around your finances but actually go far deeper and will nourish you in so many other parts of your life. This is the beauty of truly learning how to take control of your money and enjoy the benefits of a more balanced life. Begin today and you’ll start to embody the essence of Real Wealth - a profound sense of freedom in every area of your life!

How Financial Wellbeing Leads to Good Mental Health

julie@juliemurphy.com (Julie Murphy) — Mon, 07 Mar 2022 11:00:00 GMT

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Whilst it’s not the case that money alone will bring you happiness, there is a huge correlation between financial wellbeing and mental health. When you’re always stressed about money - whether that be lack of it, the accumulation of debt or feeling out of control with the money you do have, it can severely impact your health, your relationships, your career and your sense of life vitality.

So how can you start to create a greater sense of financial wellbeing? In this article, I’m going to share some tips and tricks on how to start the journey right now.

It’s Not About How Much Money You Have

When I talk about financial wellbeing, I don’t mean creating as much money as possible. Whilst it might seem that having a huge sum of money in the bank will fix your mental health, if your relationship with money and inner sense of wellbeing hasn’t been addressed, the same financial patterns will play out, regardless of how much money you have.

You frequently hear examples of lottery winners or people who have suddenly come into a substantial sum of money losing it within a matter of years and end up right back where they started feeling lost, guilty and depressed. Financial wellbeing is about feeling good about how your money is flowing. Feeling good about the energy of your money, loving how you’re creating it and feeling like you have control on how you’re spending it, saving it and investing it.

Think Beyond Money

Your financial situation is only a symptom of other things going on in your life. If you’re unhappy with how you earn your money, you’re in a relationship that doesn’t serve you, your health is suffering or you’re not engaging in things you love to do, this will severely impact your mental health, which then plays out in your financial life. There could also be unresolved emotional trauma that’s contributing to your financial wellbeing - or lack of it.

It isn’t until we actually take time to identify these other factors that we begin to see how our finances are simply a reflection of this deep sense of longing for an alternative life, or a sense of discontentment about the one we’re living.

I’d like you to write down how you truly feel about your life. Are you happy at your job or in your career? What about your relationships? How do you feel about your health and your lifestyle? Do you often laugh and do things that you enjoy? Do you take time to relax?

If the answer is no or there is an element of unhappiness there, how can you take inspired action on these things, even if it’s one small step? By doing this, you are already on the pathway to better financial wellbeing.

Look at How Your Money Flows

I’m incredibly passionate about educating people on the energy of money as it’s such a huge factor in embodying financial wellbeing. What I mean by the energy of money is how you feel on a heart and soul level about how it’s coming to you and how it’s going out. Yes, someone might earn hundreds of thousands of dollars a year but still not have a good sense of financial wellbeing and therefore, poor mental health simply because they’re deeply unhappy with how many hours they have to work to earn it or how the stress of their job has created health issues or lack of time with loved ones.

Now I’d like you to write down how you feel about your income. Do you love what you do? Are you truly grateful for that sum being deposited into your account every month? Or do you feel resentful, stuck and restricted because although you might not be doing what you know is your true calling, you don’t currently have the financial flexibility to make a different choice? How you think and feel about your income is profoundly important.

Are You Able to Hold Money?

Now it’s time to think about the flow of your outgoings. Are you making conscious decisions about where your money is going every month? Do you have a plan for your financial future? Creating financial wellbeing is when you have that sound awareness and truly feel good about the choices you’re making with your outgoings and savings - because everything is a choice. If you’re approaching your outgoings haphazardly and are always surprised by what you see when you check your accounts, this isn’t going to serve your financial wellbeing or mental health because there is a lack of control.

Are you able to hold your money and save it? If not, it’s time to look at why that could be and where that fear of having and holding money is coming from.

Financial Wellbeing and Financial Education

When you feel more confident and competent about the options available to you financially, it’s amazing how this empowers you in other areas of your life too. Financial education is about teaming your inner heart and soul desires with smart thinking to make conscious decisions about the flow of your money. Plus, this doesn’t have to cost a thing. There are countless resources online - including my YouTube channel where I share tips and tricks on creating Real Wealth and financial freedom every week.

It’s time to learn how to become your own bank. It’s time to stop avoiding your financial situation and take the steps to create more financial empowerment wherever you’re starting from. And best of all, doing this from a place of total alignment. The moment you make that choice to take control is the moment when your mental health will begin to improve because you’re changing the neural pathways in your brain. You’re rewiring your way of thinking to one that will serve you. You’re doing the work on a subconscious level and it’s about harnessing the power of abundance over fear.

Ultimately, financial wellbeing is about creating options for ourselves. Not being tied to our employer, the bank or debt instruments. Learning how to create more financial flexibility that allows us to be our true, authentic selves. Yes, it’s a step-by-step process, but taking that very first step means you’re already on your way to financial wellbeing and more improved mental health.

Mindful Lifestyle Changes to Attract Money and Get Rid of Debt

julie@juliemurphy.com (Julie Murphy) — Thu, 03 Mar 2022 11:00:00 GMT

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When we want to attract money into our lives and eliminate debt, it all begins with looking at how we can implement more mindful lifestyle changes. Everything is energy - this has been proven by quantum scientists and money is no different. Whilst strategy will get you so far, you have to dig deep into the subconscious to understand why you operate in the way you do around money. The attraction of money isn’t about just accumulating more of it. If you do that but neglect to address your beliefs and behaviors, the same financial patterns and the creation of debt will keep playing out no matter how much money you have coming in!

Debt is Your Distraction

To begin your debt free journey, it’s about looking at the emotional patterning behind the financial choices you have made. The truth is, debt is a distraction. Most of us have 3 financial timelines; our financial past, present and future. Many people get stuck in their financial past and it’s exhausting to function in this way. If this resonates with you, I get it! Debt is our distraction to living out our dreams and it does become tiring. When you have your income coming in every month and then going straight out to pay for your expenses and to pay off debt , in the present moment you’re paying for your past financial choices.

We can’t clean up our past, live in the present and plan for the future. And whilst the logical, practical part of our mind might think if we simply earn more this will be the solution to debt, increasing this idea of more, more, more and leading from only our masculine energy will cause burnout, unhappiness and the same financial results.

The Importance of Understanding Masculine and Feminine Energy

If the money you have coming in today is paying for yesterday, it’s not going to create the tomorrow you desire. As I mentioned before, money is energy and so when we’re looking to create more mindful lifestyle changes into our financial lives, it’s crucial to understand when and how we’re operating from our masculine and feminine energy.

Masculine energy is the ‘doing’. It’s when we’re leading from a place of competitiveness and it’s often fear-based. Feminine energy is when we allow ourselves to be. It’s collaborating instead of competing and love versus fear. When in balance and used in the right way, a healthy combination of these energies can be great, but when it comes to debt and our finances, this idea of always trying to generate ‘more’ and staying in our masculine keeps us on the hamster wheel of debt. And debt ultimately controls us from living our life from a place of freedom.

What Do You Desire?

We all have different lifestyle desires and you might have found that your lifestyle and internal desires are different to that of what your parents, grandparents or children want or want for you. Therefore, we don’t live out our true desires because there’s a subconscious need to live a life that meets the expectations of others.

I truly believe we create debt as a distraction from feeling a lack of wholeness from childhood. Bruce Lipton’s work and his studies have shown that 95% of our responses come from our subconscious, which is fully developed from just 7 years old. Our beliefs, habits and behaviors have been wired since then, which is why it takes a lot of reflection, awareness and deep work to get to the core of them and begin to reprogram them.

If we experience some form of trauma or rejection before the age of 7 - which many of us do, we try and act out our needs that weren’t met when we were a child. The debt we create is our way of acting this out.

Do you perhaps feel like you’re not enough and getting the bigger house, mortgage or the latest car makes you feel more accomplished and worthy? Is it to prove something to others and yourself as opposed to fulfilling a genuine inner, soul-based desire? I’d like you to ask yourself; what is your motivator? If you look at all the debt instruments you’re using to pay for these things, what are you trying to emotionally avoid in that moment?

The way to resolve this is to look at how you can bring consciousness and awareness to it to avoid creating a spending hangover.

Become Your Own Bank

This should always be your goal when looking at your financial present and future particularly. Let’s say your monthly car payment is now paid up. Don’t then have that money be consumed to pay for more things. This could also be the same for student loans, credit cards and mortgages. Start to become your own bank! When we break free of using debt instruments , we act differently with our own money. We make different, more empowered choices. If you’re using your own money to pay for that car, you will think or choose differently! I’ve seen it happen so many times with my clients. This mindset shift alone can create a profound impact!

What’s happening when we create more financial flexibility is we’re no longer trying to satisfy an unmet need from childhood. The truth is, every debt you take out is rooted in some kind of unresolved emotion. It all begins with breaking those old financial patterns to stop you creating a financial past and using debt as a distraction to these unresolved emotions. Love yourself enough to do it because you deserve it!

We need to create financial space. This enables us to become more nimble to make mindful lifestyle changes that are going to serve us on a heart and soul level. This could be changing our job, travelling or being able to take advantage of more options. Debt creates a lack of freedom that only serves to continue patterns of emotional suffering. You are worthy of so much more so choose to make today the start of your debt free journey and ignite the attraction of money in a way that’s in full alignment with your desires! Begin your pathway to Real Wealth – a profound sense of freedom in every area of your life! I assure you once you do, you’ll never look back.

Your Trauma is Affecting Your Manifestations

julie@juliemurphy.com (Julie Murphy) — Mon, 28 Feb 2022 11:00:00 GMT

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Trauma can be a tough topic to approach, but it’s one we must face when it comes to learning how to truly tap into the power of manifestation. If no matter how hard you try, you just can’t seem to break past patterns and create the change in your life that you desire, oftentimes there is trauma affecting manifestations.

You might think that trauma is a life experience that leads to devastating consequences and this absolutely and sadly can be the case for many. However, trauma can also be something more subtle and buried within our subconscious. In fact, many of us go through a number of traumas from childhood to adulthood. These build up and are what lead to self-doubt, an inability to break negative patterns, self-sabotaging habits and coping mechanisms.

Groundbreaking studies have even shown that over 70% of us have been through at least one traumatic event as a child. This could be a comment a kid at school or teacher made to you or hearing your parents argue about money. As children, we’re incredibly susepcitible to what we see, hear and experience and although that comment a boy in your class made about you being fat or stupid now seems insignificant as an adult, it will have resided in your subconscious and created a negative belief you might then have grown up with into adulthood.

How Trauma Impacts Manifestation

When it comes to manifestation, we must be able to identify and work through these traumas as manifestation has to come from a place of acceptance, love, empowerment and expansion. No matter how much you tell yourself you are worthy, if you don’t truly believe and feel that on a subconscious level, your ability to manifest will be impacted. Or, you’ll end up manifesting more of what you’re already getting as the law of attraction is always at work.

It is also true that trauma negatively impacts the body on a cellular, physical level. Unresolved trauma can cause disease, poor wellbeing and plays out in our life in some way on all levels - our money, our relationships and our careers. When we go through a traumatic event, it creates an actual physical chemical reaction and one that the body then records. The trauma plays over and over - sometimes without us even realizing, but is at the root of our negative beliefs and actions. As I always say, we either work things out or act things out. This is also partly because the trauma can impact our nervous system so that we’re in a constant state of fight or flight and stuck in survival mode. When we’re making choices from this place, they will be reactive and behaviours we turn to by default.

This is why in relationships for example, you’ll find that some people always seem to attract and be attracted to others who treat them badly time after time. It’s a pattern that just can’t seem to be broken until the person takes a step back to look at why this is happening and takes the necessary steps to heal.

How to Move Through Trauma

To manifest what we want, we have to firstly prioritize our mental health. Having mental health awareness will help us to understand that if we’re constantly in a cycle of debt or poor relationship choices, there’s a reason for this.

Manifesting is all about an ability to be aware of our emotions and to then be the master of them. Our thoughts are created as a result of our feelings so we have to feel good - or at least from a place of neutrality and self-acceptance on a cellular level, to harness the power of manifestation and create true wealth - a profound sense of freedom in every area of our life.

This is why it’s important to have tools to be able to identify and work through any trauma. These can include counselling, therapy or working with a credible professional. Having a safe space to talk about how you’re feeling can be incredibly effective for figuring out when the trauma might have happened and to resolve the emotions around it.

Other modalities I recommend include Emotional Freedom Technique (EFT or Tapping), EMDR (Eye Movement Desensitization and Reprocessing) and even journaling. I also have a huge number of videos on my YouTube Channel with fantastic experts that can help you on your healing journey.

It Isn’t About Becoming Perfect

To heal starts with having self-compassion and knowing that none of us are a perfect product! As we evolve and life goes on, there will still be traumas that continue to affect us. But by understanding how the mind and body work and how they respond to trauma, and cultivating a strong sense of mental health awareness, this means that we’re far better equipped to deal with those experiences. Our traumas become an experience rather than who we are. They no longer define us or our actions.

Our patterns, money habits, relationships, health and how we approach life provide strong clues as to where the work needs to be done. Once we do the work to unpick these and understand why we do the things we do, that is where manifestation can really take place. As we’re learning to become the master of our emotions, past trauma affecting manifestation no longer becomes a barrier.

Trauma can be a tough one to accept and work through but when you do, I assure you that it will take your manifestation to the next level. True manifesting isn’t so much about getting ‘stuff’, it’s about creating a sense of safety, love and empowerment within ourselves and to be able to go after what we want with clarity, expansion and a true feeling of self-worth. The things that come as a result of that are then like the icing on the cake!

How Being Grateful Can Bring you Happiness

julie@juliemurphy.com (Julie Murphy) — Thu, 24 Feb 2022 11:00:00 GMT

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Gratitude is an immensely powerful way to create happiness and wealth into our lives. Positive psychology has even shown how being grateful impacts us from a neurological perspective. It’s been scientifically proven to rewire neural pathways, enhance feelings of wellbeing, boost physical and mental health and improve our relationships with others.

So many of us are in pursuit of happiness and wealth and can easily get distracted by the ‘doing’ and leading with that push, masculine energy. The act of being grateful for what we have right now in this moment however, is a step we can often forget.

In this article, I’m going to offer some tips on how being grateful can lead to more happiness and what I like to call ‘Real Wealth’ - a profound sense of freedom in every area of your life.

Gratitude improves health - and therefore wealth!

We can’t be happy in a state of dis-ease and poor health. It also makes it hard to attract wealth into our lives if our health is suffering. Gratitude has been shown to positively change our health in ways that sometimes surpasses even modern medicine. Being grateful elevates our emotional state and our immune systems. It puts the body and mind into a place of joy and contentment and lowers cortisol, which is often at the core of a huge number of health conditions.

So although the idea of gratitude can sound woo-woo or like a cliché, it’s far more potent than we give it credit for! When you feel good on the inside, this creates more expansion to go after your financial goals and create radical changes in all parts of your life.

How to practice gratitude

Practising gratitude doesn’t have to be complicated or overwhelming. One of the most effective ways is to create some kind of daily practice where you take time to be grateful for 3 things.

Some ideas are a conversation you had with a loved one, the bed you sleep in at night or a meal you ate today. The key is to really feel into it. Harness those feelings of love, joy and appreciation as this is where the magic happens!

You could also create a financial gratitude practice and think about ways that you’re grateful for your money that’s coming in and the money that’s going out. So many of us become stressed when we have a bill to pay but what if you reframed this? How about you thank the bill that allows you to have warmth and hot water in your home? Or that gets you from place to place in your car? You could also be grateful for how you’re choosing to seek out more financial education. This doesn’t have to cost money either – I have a huge selection of videos on my YouTube channel that can be a valuable part of the financial path you’re on. Be grateful for the resources available to you!

This simple act of shifting your perspective on your financial situation, quickly puts you into the energy of abundance rather than lack!

Use gratitude to reconsider what you actually desire

As humans, we have a tendency to think we want everything we don’t have. The latest car, designer wardrobe, an impressive retirement portfolio, a promotion at a job that we work tirelessly at every day. Oftentimes, these are material things or labels that we believe we want because others have them or we think that by owning these items ourselves, we’ll feel more validated and worthy.

Of course, if you genuinely have a desire to attain any of these things, that’s great! But being grateful for what you have right now, in this moment, and for the smaller things that can be neglected, can really help create a better perspective on your pursuit of happiness and what you want to create more of in the future to feel truly satisfied on a heart and soul level.

It’s the quality of our relationships, the state of our health, doing work that lights us up, experiences, feeling fantastic about the flow of our money - it’s these things that practising gratitude can highlight. Ultimately, gratitude can be the perfect antidote for that feeling of needing "more."

Be grateful for everything you spend money on

Gratitude is also an important piece of money mindfulness. You might be asking how being grateful can tangibly create more wealth? Well, this is how! To create wealth we sometimes need to assess our expenses and the way in which we’re choosing to spend money. We can easily go into autopilot and buy things out of habit or because it’s easy. Try spending a day immersing yourself in feelings of gratitude for everything that you purchase. Notice what things you go to spend money on that perhaps don’t seem as important when you really take time to think about how it adds value to your day or life.

This practice can really highlight what things bring you true joy – perhaps your morning latte at your favourite coffee shop really does make you happy and is part of a ritual that enriches the rest of your day. If so, keep doing that! But maybe there’s another financial choice that you’ve noticed you feel a little indifferent to or that doesn’t make you feel good. Could you make a different choice from an empowered and considered place by choosing not to purchase that?

By harnessing the power of gratitude for these everyday things can help you re-evaluate the flow of your money. You can also then be grateful for where you’re choosing to save money and how that is contributing to your financial future!

The above ways are some ideas on how being grateful should be a key part of your pursuit of happiness. It’s one of the most powerful and potent ways of creating the idea of ‘real wealth’ in your life that I love to talk about! It doesn’t cost a dime and only needs to take five minutes out of your day for you to see the results for yourself.

How to Manifest Money and Begin Building Wealth

julie@juliemurphy.com (Julie Murphy) — Mon, 21 Feb 2022 11:00:00 GMT

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Money manifestation works in exactly the same way as manifesting anything else you desire in your life. You have to be specific, intentional and then it’s finding a gentle dance between taking the necessary actions to support your intention, and trusting the timing of how things are meant to play out.

If you’re asking yourself how to manifest money, I’m going to offer you some tips that will make manifesting money seem less like a formula and more a way of life!

The power of money manifestation affirmations

Affirmations are an incredibly powerful tool and are a core way of rewiring our thoughts, beliefs, how we view ourselves and the outcomes in our lives. They can be used to improve our money, health and relationships and are like nourishing food for the soul! When you’re looking to implement affirmations into your life however, you have to make sure that they’re not so far away from your reality that your brain won’t believe them! Your logical left-brain still has to be on board.

Here are some examples of money manifestation affirmations that will help to shift your perspective from one of lack to one of possibility and abundance:

- My financial past doesn’t determine my financial future

- I am worthy of a good life!

- I am strong, capable and committed to financial freedom

- I have options and choices

- I trust myself fully

When you use your affirmations, you can either say them in the mirror to yourself or perhaps even more powerful is to write them down. The act of writing things out makes it real and helps to solidify your affirmation in your mind, rewiring those old negative thoughts and tapping into your inner strength .

Come from a place of neutrality

When a client asks me how to manifest money, so many view their finances from a place of fear. I see this on all levels - with people who have millions, those who are in debt and every situation in between. Regardless of where you are, manifesting money is about coming from a place of neutrality about your money or financial past, rather than being reactive. Whilst it’s easy to seek out quick-fixes or the first option that comes along, if these aren’t aligned with your true heart desires, your finances will suffer as a consequence - along with other parts of your life.

Choose to use this point of pivot to be empowered rather than fearful. Shift your financial energy. What is your ‘why’ behind the financial products you use such as a mortgage? Are you automatically defaulting into a life that you might not love? When you choose to live life from a place of desire, excitement, happiness and joy, this is when the manifestation really ignites!

Let’s continue on the example of a mortgage. At what age do you no longer want to be paying off that debt? Whilst the banks have their own timeframe (typically 15 or 30 years) who is to say that aligns with your timeline? So how do you reduce your expenses to pay off that mortgage at a time that works with your desires?

The question you can ask yourself is how to redesign your life now so that you’re building a happier future on your terms? When you’re choosing a mortgage payment, decide when you no longer want to have a mortgage payment and structure your life and expenses accordingly. You are at the forefront of your decision making financially. You can’t change what you chose before but you can change what you choose today! Make the next best choice with the information you have available.

Be intentional

If you’re asking how to manifest money, you also need to consider how intentional you’re being behind your financial choices and what you’re spending, saving and if it’s an option, investing. For example, I see so many people buying life insurance or taking out mortgages with no real or soul aligned ‘why’ behind it. Whilst there is nothing wrong with either of these financial choices, manifesting money comes with being extremely intentional about why you’re choosing them and how or why you want them to feature in your future.

My YouTube channel is full of advice and information on how to set financial intentions, so I encourage you to head there and take a look.

Trust yourself and your own timing

We are the creators of our life but many of us don’t embody that and live by default or in reactive mode because we don’t trust ourselves. This is why tools such as money manifestation affirmations, meditation and even basic practises such as taking care of our health all play into stepping out of autopilot and tapping into our inner knowing.

Manifestation is about being aware - aware of the synchronicities to life. Do you trust when the things you actually asked for show up? Whilst you might do the work on deciding to dream the dream, to write down your goals and priorities, what happens when what you desire does show up? You might see it, but then the monkey mind creeps in and you negotiate yourself away. Again, this is something I see so often and a challenge I even contend with in my own life from time to time!

Or, when we shift into any state of expansion - for example leaving a job or career, we tend to lead with the energy of the mind, which is where we want to push and grab the option that looks best financially. To put the power of manifestation to work, we have to start with our heart and then add the intellectual, logical part of our mind. If we’re not using our hearts first about the next step in our career, our core desires get left behind and we make decisions that might not be fully aligned with what we want. Even if the financials look great, if your heart isn’t in it, your money and happiness will suffer in the long-run.

The goal is to truly embody what I call real wealth. A profound sense of doing what you love every day and doing what you came into this life to do! When we trust our own knowing - particularly when it comes to our finances, we become huge manifestors! No matter how much money you have, you can still live a life of entrapment if you don’t trust and follow your intuition. So, learn to build that muscle of trusting your own timing. After all, anything that is meant for you, is not going to miss you.

How to Create a Routine of Money Motivation

julie@juliemurphy.com (Julie Murphy) — Thu, 17 Feb 2022 11:00:00 GMT

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Getting to a place of financial freedom is all about finding consistent money motivation that feels good to you . When we talk about the idea of ‘motivation’, that in itself can feel like we have to be strict, disciplined and do things in a very specific way to create the results we desire. If we believe we have to follow a generic motivational blueprint, that can feel restricted and not at all aligned with who we are and what we want on a head, heart and soul level.

The good news is though, it doesn’t have to be that way. The question of how to create a routine begins by looking at things far beyond just your financial life.

How are you feeling about your life?

This might seem like a broad question, but it’s one I want you to really think about. Money motivation has to begin by looking at your life and lifestyle in its entirety. As I always say, we work things out or act things out and this is the same for our money, relationships and our health. If you’re sacrificing your health by burning the candle at both ends to make as much money as possible, although the number in your bank accounts and investment portfolios might be thriving, as a person you’re not. You might even be using your money to fund any health problems. It’s impossible to feel good about that money if you’re suffering as a consequence.

When you’re asking yourself how to create a routine of money motivation, it has to be one that aligns on every level. If you’re consumed with making money but at the cost of your health or relationships, what needs to change? How would you love your income to flow as someone who has time to take care of their health and to nurture their relationships?

How is your money flowing?

So many of us lack a sense of contentment about how we make our money. I work with a huge number of clients who have an ingrained belief that making money has to be hard and that doing a job they love is a luxury. What this means is that subconsciously, they’re not feeling good about how their money is flowing.

To be in your financial power, you have to be willing to see things differently and begin to work on living in the present moment rather than on autopilot. Being in the present moment financially means being aligned with your money that’s coming in and also, the money going out. As soon as you align the flow of your money in a way that makes you feel empowered, excited and positive, this makes the question of how to create a routine of money motivation from a practical standpoint so much easier. I talk a lot more about this on my YouTube channel so make sure you check out my videos for more advice on this topic.

If you go to a job every day that doesn’t feed your heart and soul, you have to choose and decide that you can shift and change. You have to be willing to see that despite what your parents or society might have told you, there is a better way. There is an alternative. As soon as you make this mindset shift, you’re no longer an imposter of your life or your finances. This of course doesn’t mean immediately leaving your job, but it means you can look for new options. You’re energetically expanding and getting yourself on the highest vibration possible. This is the key to manifestation and creating a roadmap that’s in full alignment with what you desire from your financial life.

Even though your money - for now, is still coming in from the same place, the way you feel about it has changed. You’ve shifted from lack, dissatisfaction and fear, to abundance and excitement about the future. This in turn, also inspires you to make different and more aligned choices with how you spend or save your money, which will all be part of your new money motivation routine.

Now is the time to get practical!

Once you’ve reached a place of honesty and understanding about how you want your money to flow and how you want your life to look, this is when you can begin to implement some of the more practical ways to create a routine of money motivation. When you’re considering crafting this routine, it’s important to have your goal and your core ‘why’ in mind. It’s from this deep desire that comes from your heart that will make staying motivated almost effortless because it hasn’t been forced upon you and you’re doing it from a place of choice and empowerment.

This might include an analysis of your spending habits whilst you search for the dream job you know you’re worthy of. It could be starting a side gig or creating a passive income stream that will expand your income potential. It could also be setting a routine that enables you to prioritize your health. Remember, a thriving financial life also means creating contentment and healthy balance in other parts of your life too.

Be Specific and Track your progress

Staying motivated and consistent with your money motivation routine comes with acknowledging and analysing what’s working and where adjustments can be made. Get very specific about your routine and what it involves. Does it include learning more about finances, a meditation practice, journaling, tracking your spending habits, setting aside an hour every day to work on a side project or job hunt, or working out in a way you enjoy 3 times a week?

Whilst there will be an element of discipline, because your money motivation routine has been designed on your terms, your goals will be far easier to stick to and will actually feel good to be working towards! Things won’t feel like a sacrifice but an act of self-love.

Schedule some time with yourself every week or month to check in and celebrate the wins – no matter how small! Reward yourself for those wins as staying in the energy of abundance is key to the process staying in full flow!

Creating a routine of money motivation and a thriving financial life doesn’t have to be hard and is something that you can uniquely design from a place that feels good in your head, heart and soul.

How to Grow Your Confidence When It Comes to Making Money

julie@juliemurphy.com (Julie Murphy) — Mon, 14 Feb 2022 11:00:00 GMT

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Building confidence is a key part of your ability to attract wealth into your life. When you believe in yourself and your potential and you truly understand how to harness that, your brain starts to work in a more expansive way. You begin to create habits, rituals and make decisions that will all lead to greater financial success. The more confident you become, the happier, more self-empowered and magnetic you feel. It all starts with taking things step by step. Confidence doesn’t happen overnight but there are many tangible practices you can put into place to become more confident today.

So how to grow your confidence when it comes to making money and building wealth? In this article, I’ll share some key tips.

It all starts with your mindset and self-talk

Confidence starts with mindset and your inner dialogue. You have to train your subconscious mind to believe that you are worthy of making money. Some tools you can use to work on your mindset include positive affirmations and by consciously focusing on your strengths, abilities and achievements. It’s time to be your own cheerleader; to see yourself through a different lens and to shift your mindset from one of fear or restriction to one of abundance. Regardless of your financial past, you still deserve to go after what you want! Take those learnings and apply the knowledge you have acquired in a positive way.

Another technique is to think about what your higher self would do. Take a moment to imagine your higher self completely embodying the essence of confidence. What would he or she do financially? What choices would they make? How would they feel about their money? What money making activities would they be working on? What type of lifestyle would they lead? What type of people would they surround themselves with? Asking yourself questions like this can help to anchor you to a vision that is in full alignment with who you want to become.

Get educated

Confidence comes with competence and when it comes to making money and making smart financial decisions, getting educated is crucial. After all, knowledge is power! Whether this comes in the form of books, YouTube videos - such as my own where I offer an abundance of education around finance, seeking help from a financial professional, advisor or mentor, taking a course to learn a new skill that will set you on your path to building wealth or learning about the economy, investments and how to spend and save smarter, when you have this knowledge, it immediately raises your level of confidence. You can make educated decisions based on solid information and this feeling becomes addictive, inspiring you to then continue the learning process!

If there is someone you admire and who inspires you – perhaps in business, investing or even how they live their life, if they have resources available, study their path, look at what they have done to build their success and think about how you could apply this in your own life. This is all part of getting educated. Learn from the people who you aspire to be like!

Don’t be afraid to try new things

When I’m asked how to grow your confidence, many times I see people who are scared of trying something new - especially when it comes to activities around making money and building wealth. Confidence can’t be built by feeling or staying stuck. The way confidence is truly built, is through the act of doing things outside of your comfort zone. You can’t be immediately confident at a skill - take a musical instrument as an example. The more you practice, the better you become and the more confident you feel. The same applies to making money.

Perhaps you want to expand your earning potential by starting a side business? The act of just starting and learning as you go will raise your confidence because you’re creating momentum. You’re now in the energy of abundance and with that comes a huge sense of empowerment. By trying new things, you’re expanding your self-awareness. You begin to understand more of what you enjoy (or don’t), what you’re good at and where you have potential to create real wealth in your life! Trying new things is also fun, it rewires your brain and opens up fresh channels of possibility.

Create money habits that are in alignment with your desires

Growing your confidence, making money and building wealth comes when you feel a sense of control that is in full alignment with your desires. You know what’s coming in, what’s going out, what is being attributed to paying off your financial past and how much you’re saving and investing. When you make decisions about how and where your money flows from a place of fulfilment and satisfaction, this will grow your confidence about your ability to handle your money and to make more of it. I speak much more about this in my free book Awaken Your Wealth. You can get your free copy here and it’s a fantastic resource to guide you on your financial journey.

If you’re living in fear of the number in your bank account, feeling restricted to a budget or not living your life in the true expression of yourself, your finances are only going to suffer. As I always like to advise my clients; the goal is to become your own bank. Choose to take control so that your money is flowing in a way that feels good, purposeful and exciting! When you no longer feel tied to debt instruments, your employer or somewhere else that keeps you constrained within a container, this sense of freedom elevates your confidence!

Now you know how to grow your confidence, it’s important to have self-compassion and understand that it’s a gradual process. The key is creating momentum. If your job isn’t serving you on a head, heart and soul level, you don’t have to suddenly find the confidence to leave tomorrow. What you can do, is build your confidence in small ways every day to take the steps to look for new options and opportunities. Open up the channels of possibility and seek out more of what makes you feel joy, fulfilled and inspired. Follow the clues and see where it takes you.

When you proactively work on your confidence and believing in yourself, you will start to notice those changes and life will start to feel exciting and brighter! This feeling keeps you motivated to do more of what’s working and to truly go after what you want.

How Staying Positive Could Turn Your Financial Life Around

julie@juliemurphy.com (Julie Murphy) — Thu, 10 Feb 2022 11:00:00 GMT

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How you choose to look at life and the events that come along with it is all down to your mindset. Staying positive and making a conscious choice to practice this every day will have a profound effect on your health, wellbeing, relationships and career. Not to mention how it will turn your financial life around.

If you tend to look on the negative side of things, you’ve probably noticed that parts of your life are reflecting this back. This is because everything is energy. This concept has been proven in numerous quantum physics studies and when it comes to harnessing positivity, it’s about understanding that the more positive energy you can embody and exude, the more wealth, health and happiness you will begin to attract into your life. The law of attraction states that like attracts like and being able to stay positive will open your world up in ways you didn’t believe possible.

What thinking positively isn’t about is burying your head in the sand or ignoring a situation that needs attention. If you want to get out of debt for example, this still requires honesty, self-acceptance and then implementing a system to eradicate that debt. However, thinking about how you choose to approach debt is the crucial part. Approaching it from a place of positivity, possibility, empowerment and abundance is going to create far better outcomes than approaching it with fear, negativity and stress.

Here are some ways you can start to create real wealth by staying positive.

Check your Self-Talk

Positive thinking starts with taking inventory of your self-talk. Your thoughts shape your world and although you might not think it’s possible to change negative self-talk, I can assure you, with consistent effort, it is!

It’s firstly about getting curious and becoming the observer of your thoughts. We tend to take how we think for granted and believe it’s part of our personality, but thoughts can be shifted. Negative thinking can become habitual and changing a habit takes working on the subconscious. Our brains are also wired to remember and hold onto the times we made a mistake or had a negative experience. We then replay these memories over and over, which creates a spiral of negative thinking. The process of neural rewiring or retraining the brain is how we can begin to separate ourselves and thoughts from those bad experiences.

I’d like you to take some time to get curious about your thoughts around your money. Are these based on logic or do you tend to always look at the worst-case scenario? Are your thoughts and beliefs fearful and do they put you in a victim mentality? Are you talking to yourself as you would a friend; with compassion or kindness, or do you berate yourself and talk negatively about yourself? Is there never enough? Are you not good enough to create wealth? Once you become clear on the type of thoughts you’re thinking, you can begin to challenge and change them.

Use Affirmations

Affirmations are an incredibly powerful tool and something I use in my own life and recommend to clients - with great results! The important thing about using affirmations is that your brain has to believe them, so the key is to start making small shifts. For example, instead of thinking ‘There’s never enough, this debt is swallowing me, I don’t know what to do’, you could try ‘The debt I have isn’t a reflection of me, or my ability to pay it off. I’m choosing to look at the options available to me. What is one small thing I can do today?’ We’re not ignoring the debt, but we’re training our brain and thoughts to practice self-belief and to seek out options and choices.

Using affirmations that empower you to make more money in your life can also open up your creative brain. You’ll be surprised at the ideas you can come up with! This is when the power of positive thinking becomes wildly potent and exciting!

Take Care of Your Physical Health

Your brain and thoughts are highly correlated to your physical body. If you’re not taking the time to nourish and hydrate yourself, to get good sleep and implement healthy movement, your thoughts are going to reflect that. Although it might not seem that staying positive is related to your physical health, studies have shown that positive people live healthier lifestyles. By taking care of the most valuable asset you have - your health, your thoughts are going to follow suit because you’re not only going to feel more energetic and brighter physically, but you’re showing your subconscious that you see yourself as worthy enough to take good care of.

How does this then turn your financial life around? You’ll be inspired to make smarter decisions with your money and have the strength to make changes that are in alignment with you in the full, healthy expression of yourself. Your brain will be more fired up and energetically you’ll be in flow! When you feel good in yourself, this creates abundance, joy and you’ll soon notice how this is reflected in your finances.

Start Small

Staying positive can also be done gradually. If you want to become a more optimistic person, get really focused and practice positive thinking periodically during the day. You can even set an alarm on your phone to ‘check in’ with your thoughts. How have you felt about your money today? If you find it’s mostly negative or pessimistic, get laser focused and find a way to see a more positive perspective. Empower yourself to feel better about a choice you have made today financially. How has it served you? If it hasn’t, what can you begin to do differently? What can you learn?

Surround Yourself with Positive People

By surrounding yourself with people who are energetic, lively, upbeat and positive, this energy is magnetic and you’ll be surprised at how your own thoughts begin to shift. If you don’t have a circle of positive people around you, you can create the same effect through videos - such as my YouTube channel , books or online groups. Taking time to have fun, smile and laugh is also incredibly powerful! Laughter is an instant tonic for stress and helps you see the world and your own life through a brighter lens.

When you’re able to stay positive using the above tips and techniques, you’ll be amazed at your ability to turn your financial life around.

Can The Law of Attraction Actually Help You Create Wealth?

Mon, 07 Feb 2022 11:00:00 GMT

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The Law of Attraction can be used to attract in anything you want in life and I am hugely passionate about teaching people how to use it to create wealth. To fully utilise its powers, it’s important to firstly understand and accept that your life is a result of what you are creating. The Law of Attraction is always at work! In simple terms, like attracts like and if your money situation isn’t as you desire, this is a result of your limiting subconscious beliefs around money and wealth. These beliefs then play out through your financial actions, choices and habits.

This is how manifestation works. To manifest our desires instead of manifesting the things we don’t want, it all starts with shining a light on our subconscious beliefs and then taking different actions that are in full alignment with what we want to create.

In this article, I’m going to offer some suggestions on what taking aligned action with your money means.

Truthfully, most of us aren’t open to receiving and being in flow with our money and we’re therefore not allowing doors to open up to manifest it. The first way that you can use the Law of Attraction to create wealth in your life is to take some time to establish a process. The worst way to go about building your wealth sustainably is to be a one hit wonder where you rely on a stroke of luck to fix a financial situation. Establishing a process means that your finances are planned in a way that aligns with your desires. Relying on luck is only going to create distractions.

You then need to take the necessary steps to implement this process you are wanting to put in place and consistently and regularly review it. This could be every month, every quarter or every year depending on how your process is laid out. It’s crucial to apply your process in order to hit your manifestation goals.

Now I’m going to show you how you can approach your money goals to really start to activate the Law of Attraction and its power!

Set a specific financial intention

Something I love to do in my own life and with my clients, is to get very clear on our financial intentions. So many of our finances are on auto-pilot that we forget about credit card fees, other bank charges or subscriptions we don’t use. To harness the power of manifestation, you need to know exactly where your money is going every month and be intentional about it. I talk about this more in my YouTube video .

Most online banking allows you to name your bank accounts to align with your intention. For example, ‘Italy fund’, ‘Family relief fund’, ‘Car payment’, ‘Business fund’. I would like you to set up each of your accounts with a name accordingly. Have fun with this and view these various intentions as a way to pay yourself. Your goal is to become your own bank and this is the way to do that. This is how you can use the Law of Attraction to manifest more money because you’re being organised and structured.

Know what money is going towards debt, spending and wealth building

These are the 3 categories you want to focus on when creating a financial plan. When you have clarity on what portions of your money are going towards paying off debt, spending (house maintenance, food, bills and so on) and wealth building, you are creating a money manifesto. You’re living a life of purpose as opposed to living life by default, which many of us can do when we feel overwhelmed by our financial situations.

Fund these intentions on autopilot

Make things as easy as possible for yourself and set up your income to automatically deposit these payments into your newly named bank accounts every month or whenever you get paid. This way, you’re letting go of the control. You won’t have the option to negotiate yourself away. The truth is, if you’re not manifesting and if you feel like the Law of Attraction is never working, you are somehow negotiating yourself away from your desires. There is more than enough wealth for everyone but if you are in a scarcity mindset, your finances will play out accordingly. Everything in your life will. Putting your intentions on autopilot helps to shift you into abundance!

How to handle unexpected income or money

I like to call this ’new found money’ such as a tax refund, a bonus, inheritance or a stock payout. Basically, it’s money that hadn’t been expected or accounted for. I want you to also create a process for this.

Take a third of it and use it to pay off your financial past such as a debt. Then, take another third and put it towards one of your spending intentions. This next bit is really fun as I want you to use a further third to reward yourself. It’s so important that we reward ourselves along the way to stay in the energy of financial abundance! If we keep ourselves too tight and don’t allow ourselves to enjoy this process, there will come a point where we start to play out old financial habits and therefore create the same past results.

The other third of your ‘new found money’ then goes towards a wealth building goal.

The Law of Attraction is always at work . By implementing these tips above, your intentions and actions will be fully aligned with the beautiful and magnetic energy of abundance. It’s empowering to know exactly where your money is going and to have a solid plan laid out for your financial future. This is the way to create real wealth and to truly harness the power of manifestation.

Building Generational Wealth is Possible with the Right Mindset

julie@juliemurphy.com (Julie Murphy) — Thu, 03 Feb 2022 11:00:00 GMT

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Generational wealth is one of those financial terms that can often seem a little overwhelming but might be a goal you truly desire. If like many people though, it’s become the last of your priorities due to your attention being focused on pursuing other financial goals like saving or paying off debt, I want you to know that building generation wealth is still possible!

In this article, I’m going to explain why your money mindset is key and some ideas on how to build generational wealth right now.

What is generational wealth?

Generational wealth is wealth that’s passed down from one generation to the next. The idea is that by leaving something behind financially for your children or grandchildren such as inheritance, a college or education fund, assets, real estate, savings, investments or a business, you are then creating generational wealth and something for them to grow, build upon and also pass down.

If building generational wealth isn’t something that applies or is important to you, that’s great and is a personal choice that every individual is entitled to make.

But, if you do have children or plan to, and it’s something you desire but maybe seems like a stretch or even a luxury, just know that it is available to you.

Why money mindset is key

I’d like you to think for a moment about your own financial path. You might have discovered along the way that bouncing back from financial troubles can be a challenge. Were your parents or family able to offer you financial guidance? Were they able to fund your education and if not, did that mean that you had to take on student loans and ultimately led to debt? Now, what I’m not saying is that it’s the responsibility of parents to take care of their kids financially. But, if you were maybe led by a different example, how would that have changed things?

If you reflect on this, what does that bring up when it comes to your goals on building your own generational wealth? If you have children or plan to, how would you like to be able to contribute to their financial path? Even if yours wasn’t as you might have hoped, you have the power to change this. You have the power to shift the financial trajectory of your family and beyond.

It’s about getting to a place of expansion and choosing to see the possibilities – of which there are many!

How to Build Generational Wealth

Although the term sounds fancy and grandiose, in simple terms it’s about acquiring assets or savings that you don’t intend to spend in retirement. Of course, I know how difficult this can be to put into practice if you’re paying off debt or struggling to build your savings. So, this is why it’s crucial that you lay out solid plans for your own retirement plan and other financial goals before you start to save for generational wealth.

Saving money for the future is key. The easiest way to save more money is to pay yourself first. As soon as you get your paycheck, know what proportion will be deposited into your savings and investments or how much will contribute to paying off debt before anything else. Many banks enable you to automate this so that you don’t have to think about it. By being super clear on this and putting a plan into action, every month you’ll feel so much more empowered that those funds are growing.

Building generational wealth is a gradual process and you’re setting yourself up for better and more aligned success if you focus on meeting your own short-term and long-term financial goals first, and then begin the process. I speak more about how to do this on my YouTube channel . It’s key that you still hold it in your vision though and that it’s part of your deeper why. Everything you do in life and financially has to possess authentic meaning in your head and heart. Taking care of your own finances is a stepping stone to your bigger why.

Educate your children about money

Generational wealth isn’t only about physical cash or assets. It’s about offering your children education on personal finance knowledge. Like I mentioned, it’s not your responsibility to take care of your kids financially, but if generational wealth is important to you, it is important that you take time to educate them about spending, saving and investing.

What do you wish that you’d learnt? Do you feel on reflection that your own parents had taught you better financial habits and if so, might you have built a more solid financial foundation as a result? Was money even spoken about at all? Did you inherit negative stories about money and a fear of it as a consequence? Talk to your children about money. Teach them it isn’t to be feared and how to be smart with it. Be open about your own learnings and if it’s the case, how you want different for them. The best thing about this is that it doesn’t cost a thing!

It’s very easy to lose generational wealth if your own children lack that financial education on both a practical and emotional level.

Build up an education fund

Education is a way for your children to acquire skills that allow them to support themselves.

If you have the ability to help your children make it through college without any debt then you are laying the foundation for a solid financial future. Student debt can feel like a huge burden and by being able to contribute to or fund their education, you’re setting them up for greater financial success on their own terms.

Create Passive Income

Finding ways to create multiple income streams is a fantastic way to build generational wealth and one you can pursue immediately. Passive income is when you earn money from an asset after it has been created or set-up. This could be a rental property, a book or e-course for example. The beautiful thing about passive income is that you can build multiple streams and these can also even turn into businesses that you can pass down.

There are many other practical ways to create generational wealth such as investing in the stock market and real estate. However, the overriding element to success is your money mindset. It doesn’t have to be overwhelming or unavailable to you regardless of where you’re at now. Look at what you can do and be super clear on that greater vision. I have an abundance of advice on this and how to create real wealth in my free book Awaken Your Wealth, which I highly encourage you to read. You can get your copy here .

How you pursue your own generational wealth and the strategies you choose has to be aligned energetically on every level. What’s crucial is that you take care of you first. You have to fill your own cup financially to then be able to build upon that for your children and beyond.

Fear of Money and How to Alter Your Perspective

julie@juliemurphy.com (Julie Murphy) — Mon, 31 Jan 2022 11:00:00 GMT

Money can be an incredibly emotional topic and it’s unfortunate that many of the stories we’ve grown up with or been conditioned with only serve to support any negative feelings we have around money. Society teaches us that there is a severe lack of money, that it’s something we have to work tirelessly for, that the rich stay rich and the poor stay poor, that the banks are out to get us and so many more. Even if we don’t agree with these things on a conscious level, if our finances are suffering in some way, there’s a subconscious part of us that isn’t feeling good about our money. Ultimately, those feelings boil down to one thing; a fear of money.

Whether it’s a fear of spending money, a fear of having no money, a fear of losing your relationship, job and therefore financial security, a fear of debt, a fear of an investment not working out, it’s crucial that to heal your relationship with money and your fear of it, you learn how to alter your perspective. In this article, I’m going to share 3 key tips on how to do that.

Write down your fears

I want you to put pen to paper and write down every single fear you have about money. Whether you feel it’s rational or not, a huge fear or even a fear that might seem insignificant and silly, write it all down. When you see things written down, it brings them to life and allows you to get more clarity on what’s going on internally. This exercise also enables you to come to a place of acceptance and this is extremely important. Acceptance of the acknowledgement about your fears, allows you to shine a light on them and actually feel those feelings. The reason why so many of my clients struggle to resolve their fear of money is because they’re resisting feeling those feelings.

Our nervous system is wired to react to our thoughts. If we’re ruminating and worrying about money in some way, this causes an emotional reaction, which will gradually lead to dis-ease and anxiety. When we bury our feelings behind the fears, they build up and at some point, there will be a crisis. This crisis might be a job loss or a situation where we’re forced to make drastic financial decisions that only serve to confirm your fears.

We don’t need to wait until a crisis happens though. If we get clear on our fears and allow ourselves to feel them and accept them, it activates a different part of our mind.

What is the opportunity?

I now want you to write down what the potential outcome could be that you never thought possible. I get it; this might sound like a crazy idea! However, you need to understand that you are the architect of your life and you control how your money flows. If you have a fear of spending money or a fear of having no money, you are subconsciously manifesting those fears externally in some way.

So, this next part is about taking a different perspective and looking at what the possible opportunities for your situation could be. For example, are you unhappy with your job but feeling tied to it because it supports you financially? Everything is energy. I talk extensively about this on my YouTube channel so encourage you to check out my videos. When we’re not plugging into the world authentically, we don’t get the raises, promotions or projects that we want. If you’re not feeling good about how you earn your money, it will be reflected back at you in all of these ways and more. This then leads to feelings of anger and bitterness.

Often what I see is that beneath this anger is a deep sadness.

Perhaps you’ve been so detached from your feelings? If so, I’d like you to gently ask yourself what are you sad about? You might realise that you have created a life that you don’t love. Perhaps you feel sad that the life you created hasn’t worked out as you might have hoped? This happens to so many of us and I understand it can be a tough realisation.

If we don’t shift our lives when we get the red flags along the way though, this is how we call crises into our lives. We end up manifesting our fears. The only way to change this is to look at the opportunity. Using the job example, to start making plans to look for a job you love that offers you the things you desire.

If this all sounds good, but you’re thinking that you don't have the financial flexibility to leave your job to explore other opportunities, rest assured, this still applies to you. I like to tell my clients in this space, who often have a fear of money due to debt, to allow themselves to be on the bridge. There is still opportunity here. It might mean taking a job in the interim that pays your bills whilst you look for your dream job or work on creating it yourself by starting your own business. The same approach applies to all parts of your life including your relationships and health.

You are the creator. So, let me ask you - what do you want to create?

Follow the expansion

It’s your job now to look for those clues. Follow the breadcrumbs! Follow what’s growing. Where can you see doors opening? Take time to really notice opportunities, people, conversations and experiences that are showing up. It’s incredible how when you go through this 3-step process that I’ve shared today, how the world beautifully and more effortlessly expands for you. This is how you can get in the flow whilst cleaning up your financial past. Live in the present and turn your old fear of money into one of opportunity, abundance and true fulfilment. It’s all possible for you in every part of your life.

Using Your Inner Strength to Change Your Financial Path

julie@juliemurphy.com (Julie Murphy) — Wed, 26 Jan 2022 07:39:56 GMT

Making changes to where you’re heading financially can be tough when you’re feeling trapped, let down or trying to bounce back from a negative experience. You might believe that everything you need to ‘fix’ your situation is outside of yourself, but I’m here to reassure you that this couldn’t be further from the truth. Drawing upon your inner strength is what will get you from where you are now to where you want to be. We all have inner strength, it’s just finding ways to unleash it! In this article, I’m going to be sharing some key tips on how finding inner strength is your tool to manifesting money, health, happiness and real wealth.

What is Inner Strength?

There are many interpretations of inner strength but it refers to how we use our mental and emotional behaviors, attitudes and coping skills to keep us grounded, stable and able to adapt in life.

Inner strength can also be described as a belief in yourself that isn’t based upon external validation from others, industries or societies. It’s a deep knowing that although your reality might not be as you desire, you have the power to change it. It’s about choosing to not dwell on your setbacks, downfalls and negative experiences, but instead, see them as something you can learn from and use them as fuel for your growth moving forwards.

If though, like many of us at certain times in life, your inner strength is at an all-time zero, there are a few golden strategies you can start to implement.

Accept your past choices and let go

Our choices are what shape our life. The first step in finding inner strength is to really take inventory of the decisions we’ve made in the past and accept that even if they were the wrong ones, that’s ok. It can be easy to dwell and assign blame on our partners, job, boss or society but ultimately, you are in control of every single choice you make. If you’re ridden with shame or guilt, I want you to be kind, gentle and compassionate with yourself because we all make mistakes. Self-forgiveness and letting go of the past is crucial in activating your inner strength.

Many of us feel unable to move past setbacks because we just can’t let go. People who use their inner strength to create success - and success on their terms from a heart, mind and soul perspective, choose to see the past as a learning experience. They find a way to pivot, take different actions and keep going. They face tough decisions and act accordingly despite the fear or anxiety that may present, and use that to become stronger.

Change your inner dialogue

Inner strength can only be built when you’re taking conscious action to change your inner dialogue. If your inner talk about the past is negative and disempowering, this is only going to lower your level of self-esteem. Everything starts with how we choose to react or respond to our thoughts. There have been numerous studies that show how the thoughts we think shape our health, relationships, money and life experience. Our thoughts even have the power to create either dis-ease in the body or harmony. So, it’s your full-time job to change the thoughts you think and also, the words you use. What I don’t mean, is telling yourself something that simply isn’t true! But choosing to shift your dialogue to one of empowerment. Instead of constantly dwelling on that investment that didn’t work out for example, choose to think about what you can learn from it, how you can make a better decision next time, who might be able to offer you advice, what you can do right now to change where you’re heading financially and what is available to you?

Set boundaries and standards for yourself

It’s time to up your standards! People with inner strength understand that they’re worthy of more and embody that. Our subconscious mind is responsible for 97 percent of everything we do and so this is about rewiring the part of your subconscious brain that keeps telling you you’re not enough or undeserving of financial success and happiness. You need to show yourself that you are worthy of more and take actions accordingly.

Setting higher standards might mean stepping back from people who are a negative influence or who demand too much of you, taking better care of your health, asking your boss for a meeting to discuss a raise you know you’ve worked hard for, or setting a plan to take a different approach with your expenses. When you start to align your outer world with positive actions, people and environments that support who you want to become, manifesting money will come naturally!

I speak more about money manifestation tools in this YouTube video so head there if you’d like to delve deeper.

Take care of yourself holistically

You have to take things right back to basics to lay a solid foundation to then build upon. Creating inner strength can only be cultivated when you’re taking care of yourself physically, emotionally, mentally and if this resonates with you - spiritually. Sleep, nutrition, interaction with others and doing things that allow you to let go, recharge and relax is a key part of the entire picture. Your money is a reflection of everything else going on in your life and if you neglect yourself and your core basic needs, you will pay the price financially in some way.

Find a sense of purpose to drive you

I want you to ask yourself, what is your why? Why do you want to create a better life for yourself? Why is manifesting money important to you? Why do you want to change your financial path ? What will that offer you? Would it be flexibility, security, peace of mind, the ability to have enriching experiences, to be able to donate to a charity you’re passionate about, to allow you to live in the full expression of yourself?

Knowing your core why – from a place of heart coherence, is the gateway to activating your inner strength. I would encourage you to write down your ‘why’ and keep it beside your bed so that when you wake every morning and before you go to sleep, it’s there to remind and inspire you. To build inner strength, you have to have some sense of purpose and it doesn’t have to be anything radical either. It just has to possess true meaning to you.

Making Our Dreams Come True When It Comes to Money

julie@juliemurphy.com (Julie Murphy) — Sat, 22 Jan 2022 20:10:12 GMT

If you’ve got a burning desire to make change in your life financially, I want to empower you to know it’s all available to you. When it comes to making our dreams come true, we all have the potential to reach that goal. Bottom line, there is enough financial abundance for all of us. No matter where you are right now or your financial situation, there’s no better time to start making headway on your dream and open up to allowing the money to follow.

The most challenging part of course is actually knowing how to turn our dreams into reality. It’s all very well daydreaming about our greater vision, but we can easily get stumped on the part where we have to start taking the necessary actions.

Here’s the reality check; it’s no good just dreaming. We have to add a practical action component to it as well. In this article, I’m going to explore how you can start to really make those dreams come true to create what I call ‘real wealth’ in your life. This isn’t about just growing the number in your bank account, savings funds or investment portfolio. Your dreams have to be all encompassing and come from not only your head, but also your heart. Once these are in alignment, you’re building a solid foundation to create health and happiness in all areas of your life. Your money, after all, is a result of everything else going on. If you’re not making your dreams come true when it comes to money yet, we’re going to dig a little beneath the surface so you can begin to do just that.

Accept, embrace and fully embody that you can’t change who you are

It’s unfortunate that we’re constantly being told that whatever is outside of ourselves is better. There’s an underlying feeling that permeates through us leading to stagnancy and the idea that making our dreams come true is something that will remain a nice thought or only for other people who are better, smarter or more successful.

What you must understand though, is that this messaging is just a story. It’s up to us to truly accept and embrace who we are and build a financial infrastructure around that. I share many tips on how to do this on my YouTube channel . You need to feel calm and collected about this infrastructure and only then will it be creating a foundation to build upon in a way that’s aligned to your head and heart. When you’re in true coherence, this is when we can really get the ball rolling!

Remember, money is a reflection of everything else going on in your life. Your money isn’t separate to how you feel about your relationships or health, for example. It’s a result of those things. The human heart has to therefore come into the equation when building real wealth because otherwise, you will experience some kind of financial suffering. I’m sure if you’re reading this, that will resonate in some way.

Be willing to accept change and adapt

The only thing that is guaranteed in life is change and yet as humans, we’re so resistant to it. However, turning your dreams into reality is about being willing to shift gears and get uncomfortable. The most growth and the growth that leads to more radical results, comes with putting ourselves in situations or mindsets that go beyond our comfort zone. It will of course produce some anxiety and challenges, but I’d like you to ask yourself which is worse; staying where you are right now and not moving any closer to where you want to get to, or consciously choosing to shift gears and potentially create a whole new life for yourself?

If you have a calling to change careers, to get out of that relationship or improve your health, don’t negotiate yourself away from it. Your finances will suffer as a result and you deserve better. You deserve more. Make that change from an empowered place where you are choosing it before a situation arises and you’re the one that gets dropped or let down and you wind up feeling like a victim.

Take control, switch gears and within just a short space of time, you’re going to see very different results!

Ask different questions

When it comes to making decisions about our life and money, it’s time to start asking questions from a different angle. Ask questions that come from your heart and take the logical left-brain out of the equation for just a moment. Why do you have that investment or job? Why are you making that particular choice? Are these things serving you on a soul level? Even if it makes perfect sense on paper, is it worth the stress and anxiety it’s causing you? What would make you happier?

Asking these types of questions can uncover some gems of insight that will really help us to figure out just what needs to change to start making our dreams come true!

Keep things flexible

Similar to what I mentioned above about being willing to adapt and change, we also need to keep things flexible. Whilst I do agree that it’s important to have a goal and stay the course, this doesn’t mean we can’t be flexible. What I see so often with my clients is that they pigeon hole themselves and stay in situations that don’t align with their soul desire or calling because they feel trapped. Are your choices keeping you trapped in a life you don’t want to live? Is the reason why you stay in your job because it offers a retirement plan, or in that relationship because you rely on your partner financially?

We know through research that the day people pay off debts, their level of happiness increases. So here comes another reality check; when we proactively create financial flexibility in our life, we don’t have the need to utilize debt instruments. These instruments ultimately keep us stuck in jobs, relationships and situations that don’t make us happy because we’re stretched to the limit. We don’t change because we haven’t built any infrastructure for flexibility. The only way out of this, is to start thinking about how you can become your own bank and insurance policy. Consider for a moment how good that would feel!

Start saying no

Making our dreams come true also comes with saying no to others or situations. This, I fully understand, is hard. Particularly if people-pleasing is something we struggle with. The truth is though, when we’re constantly sacrificing our own needs, it isn’t helping us or the other person. Now, of course I’m not suggesting you decline to help out a friend or family member in times of need, but saying no to always bailing other people out or feeling responsible for getting them out of a financial hole they’ve created for themselves.

By always being that person who rescues other people, you’re not setting healthy boundaries and you’re also not allowing the other person to live in the expression of what they are creating. When you say no, it’s the most loving and empowering thing you can do for them because you’re giving them the space to educate themselves financially.

Most of our brain activity comes from our subconscious mind. It makes up a staggering ninety-seven percent of our thoughts and actions. Therefore, we have to work extremely hard on changing our subconscious programming to get different results. By you saying no, it’s helping the other person to change their own subconscious patterning and it’s doing the same for you.

Turning your dreams into reality is absolutely achievable, regardless of where you’re starting from. Once your head and heart are in that beautiful place of coherence, which you can begin to do right now by implementing the tips I’ve shared today, you’ll truly start to become unstoppable!

What Is Human Design and How Can It Benefit You?

julie@juliemurphy.com (Julie Murphy) — Thu, 20 Jan 2022 12:00:53 GMT

As humans, we tend to love anything that helps us glean more about our personalities. Whether it be the Myers Briggs test, horoscopes, Strength Finder test, or astrology, these can all help us gain an insight into our deeper selves and how we operate best in the world. In this article, I want to introduce you to a modality called Human Design, which uses your birth information to reveal your genetic design.

Finding out my Human Design type was a game changer in my own journey and my ability to harness the power of manifestation to uplevel my career, relationships, health and wealth. It’s a tool I encourage my clients to use too. The great thing is you can firstly use a basic reading to grasp an overall picture and implement the takeaways in your life immediately. If you’re curious to delve deeper, you can then work through each layer within your chart to get into more detail.

What Is Human Design Exactly?

I have a video interview on my YouTube Channel with Human Design expert Lenette Mikuls where we talk all things Human Design and how to find out your specific Human Design type. I highly recommend you head there to check it out.

Human Design was founded by Alan Robert Krakower in the late 1980s. He wrote a book called The Human Design System under the pseudonym Ra Uru Hu in 1992. His experience, teachings and findings have been widely received and now Human Design is becoming more and more mainstream.

As a beginner to Human Design, the main thing you’ll be curious to know is your energy type. Your energy type can give you immediate insight into why you are the way you are, how you can best use your energy, what your life theme is, what things go against your true authentic self, your strengths and weaknesses, how you best make decisions and your ultimate role in life.

What are the Energy Types?

There are five main energy types in Human Design:

Manifesting Generator

Manifesting generators are the most common energy type. The ‘Manifesting’ part is the ability to make things happen. The meaning of ’Generator' is to respond to things. In business, this could be responding to untapped niches in the market or responding to an opportunity. Using these two components together, Manifesting Generators move forwards on projects or aspects of their life with gusto. They tend to have a number of skills and passions and prefer their work and life to be full of variation as opposed to working on just one thing. It’s important for Manifesting Generators to do work which is truly aligned and lights them up. If they don’t, their energy can become depleted and it will lead to an intense sense of dissatisfaction.

Manifestor

Manifestors are the people who get things done! They are able to take the idea of manifestation to the next level and don’t require any kind of reassurance from others! They’re highly self-motivated but their downfall is that they can get burnt out easily and become despondent when unable to maintain a hectic schedule. Manifestors are often extremely charismatic who others look up to. The overall life theme of Manifestors is finding peace, where they can use their energy with balance and harmony.

Generator

Generators respond to things. They tend to have one area of focus or expertise that they do well to channel their energy into. A core value or life theme of Generators is satisfaction. This is fulfilled by only responding to things which are a 100% yes in their heart and soul. As they like to focus, it’s crucial the things and situations they respond to are completely aligned.

Projector

Projectors are slightly rarer - only 20% of us are Projectors. This energy type have great inner wisdom and intuition and are usually incredible leaders who thrive when guiding others. They gain their satisfaction from achievement and success. People take notice of Projectors and they have an innate ability to assess the energy around them to make decisions and create suitable action. One thing to note is that Projectors can sometimes have a tendency to offer unsolicited advice! The way they can remedy this is to wait until there is an ‘invitation’ to share their opinions, thoughts and advice. When they have a captive listener or audience is when it will elevate them to the next level.

Reflectors

Reflectors make up under 1% of the population so are extremely rare. Reflectors ‘reflect’ the energy of the world around them. They tend to be sensitive, deeply spiritual, are empathetic and strongly feel what is happening in the environment around them. Reflectors operate best when they make decisions after longer periods of consideration to get a solid picture and understanding of what is happening around them on a greater scale. It can be tricky for Reflectors not to take on what is going on in their immediate environment, which can hinder their choices and decisions. Reflectors actually thrive when surrounded by things that surprise them, bring them happiness and can therefore understand the world from a number of perspectives.

Your energy type is just the tip of the iceberg in Human Design. There is so much more you can tap into and the main benefit of knowing your Human Design type is that it enables you to understand what environments you thrive best in, how you can make more guided and aligned decisions and what self-care practices you can implement to help you thrive as an individual. It can also give you a sense of peace about why you are the way you are and how to use that to your full potential to get better results.

Financially it’s also a fantastic tool because it can help you make better or different decisions about how you’re choosing to save, invest, spend and earn. For example, if you’re a Manifesting Generator and your current job makes you feel constricted, bored and unable to channel all your creative energy, knowing your Human Design profile can tell you that you’d probably do well in a role that was more creative and allowed you to draw upon your varied skills and talents. Or, starting a side-gig or pursuing a business could be a great way for you to channel that energy and increase your earning potential.

Human Design is a wonderful tool that when applied with practical strategies and manifestation techniques , can elevate your life, health, wellbeing and finances to the next level.

Is It Possible to Create a Truly Passive Income Business?

julie@juliemurphy.com (Julie Murphy) — Mon, 17 Jan 2022 11:00:00 GMT

In today’s world, we hear a lot about the idea of passive income and making money while you sleep, but is it possible to create a truly passive income business? The answer is yes! You can even have multiple passive income streams. Some take more careful consideration, time, patience and money and others can be less of a commitment.

Why I love to encourage clients to consider this option is that finding ways to earn or create more money is so much more expansive and empowering than staying within a strict financial container to make cut backs.

In this article, I’m going to share with you what passive income is and what’s important to consider when creating a passive income business.

What is Passive Income?

Passive income is where you do or create something upfront that then continues to generate income. Don’t be fooled though; passive income usually requires a substantial amount of time, work or consideration before you yield the returns. It’s important that whatever you choose is energetically aligned in your mind, heart and soul.

The idea of creating one or multiple income streams to boost your finances might seem intimidating and something that you’re not cut out for, but let me assure you, you don’t need a Harvard business degree or consider yourself an entrepreneur to make it work for you. You just have to be willing to think a little outside the box! It can actually be great fun to think of the potential when you set your mind into that energy space.

Examples of a Passive Income Business

The fantastic thing about passive income is that there are so many options. One example includes investing. You invest money in something such as a company stock or business and then over time, receive a dividend payment and appreciation on the investment. When making any investment decisions, although an opportunity can seem attractive at first glance, it’s crucial that you don’t jump in head first, particularly if you’re new to the investment world. I have many tips on guiding your investment decisions on my YouTube channel so I encourage you to take a look at those.

Another example is real estate. You buy a property, and you then receive the rent as passive income.

Some more creative ways to create passive income streams are writing and then selling a book. You don’t have to be an established author to do this either. Selling ebooks online or on Amazon can be a way to generate income every month.

Other ideas include renting out your spare room on Airbnb, affiliate marketing, capitalizing on your skills and selling e-courses, saving money through cashback sites, paying off existing debts to create more available income or selling art on Etsy.

Passive income doesn’t have to mean taking risks or committing to a huge project. Saving money on cashback sites or selling some of your work online is a low bar way to generate extra cash without risk.

Factors to Consider

When deciding on what type of passive income business is right for you, some require money upfront and others need time. Most will need at least a little of both. If you’re in a position to put money upfront, options like investing, dividend stocks or placing money in a high yield savings account or money market fund could be something to look into. Again, regardless of whether you’re investing $10 or $100,000, the investment has to make sense on every level - financially and energetically. The idea of generating passive income streams is that you want to feel good about your choices. It should feel expansive and not approached as a knee-jerk reaction.

Don’t worry if you don’t have money freely available right now though either. Creating a passive income business is still doable. This is the fun part and where we can get creative!

I’d like you to write down what you love to do. Maybe this is cooking, gardening, writing, music or something more technical like design or coding? What we often forget is that the things we love or take for granted that we’re good at - maybe things we do every day, is usually something other people will pay for! Could you create an online cooking or art course teaching people what you know?

The key is to not overthink it. At this point, you just want to work that idea muscle!

Although it isn’t ‘passive’ income, you might have skills that you can offer on a freelance basis outside of your day job. In today’s economy, more companies are taking on freelancers instead of employing staff so there's a great opportunity to capitalize on doing what you already know and earning more for it!

Keep it Simple to Start

As there are so many options out there for a passive income business, it’s tempting to want to dive in head first with a few at once. I would always recommend starting slow. Take it step by step and don’t be afraid to ask advice or for others to help if you’re creating something on your own.

You don’t want to get burnt out - particularly if you’re going to create an income stream which requires your time. Focus on mastering that one thing and see that it’s making a return before moving on to the other. Patience is key!

Passive income and building a passive income business is a great way to create what I call ‘real wealth’ where it’s aligned on all levels - spiritually, physically, energetically and of course, financially. Therefore, the process should be one of joy and empowerment. It can fulfil you in ways that far exceed monetary value too. Imagine how great it will feel to know that a choice you made or something you have created that offers value to the world is now building your wealth and generating that passive income you never knew could exist for you!

Money Can't Buy Happiness But It Can Make Life Easier

julie@juliemurphy.com (Julie Murphy) — Thu, 13 Jan 2022 12:57:30 GMT

We’ve all heard the saying ‘money can’t buy happiness’ but if you get really honest with yourself, having a healthy relationship with money in addition to financial options that allow you to freely make choices can certainly make life easier. In this article, I’m going to look at the idea of money and happiness and how it can be linked.

This can apply to everyone - no matter what your financial situation right now.

It’s already being proven that prioritizing making money over tim e can lead to feelings of unhappiness and dissatisfaction. There are plenty of stories of multi-millionaires who have tirelessly worked to gain financial success, but have ended up burnt out, lonely or with a mountain of health issues as a consequence. That definitely isn’t happiness or an easy life!

The main factors that contribute to money and the joy you get from it are how you spend, save, and think about money. It isn’t simply about spinning your wheels to increase the number in your bank account.

Why Saving Can Make Life Better

It’s not going to make you feel good to dread every time you check your bank account and then see a low number. Prioritizing building up even a small amount of savings or reserve funds can make a profound difference and heighten your sense of security.

I speak a lot about ways to save money on my YouTube channe l so make sure you check out my videos. It’s important to save in a way that feels expansive. If you’re looking to work on building up your savings account or pay off debt, think about what expense you’re paying for now that isn’t aligned with a soul desire and if that expense is truly making you happy. If it isn’t, approach it like an experiment and see how going without it for a week makes you feel.

If you find it does make you happy or makes your life easier, then you’ll know you can enjoy it without berating yourself and try the experiment on another expense instead. I can assure you, you’ll soon find ways to reduce your expenses and build your savings account, leading to a rise in those feel-good emotions!

Why Having Money Can Buy Time

One of the main ways in which money can make your life easier is that it enables you to buy more free time. Whilst having someone to help clean a home might seem indulgent to one person, to another it can allow them to spend extra time with their children, work on a passive income project or just have a few hours to relax! Evidence has shown that having the money available to buy time as opposed to a material good can lead to a boost in happiness, wellbeing and it can lower stress levels due to the feeling of time-pressure being lifted.

Money Allows you to Have Experiences

It’s no fun not having money available to go and do things that will create memories. Happiness is linked to what experiences you choose to spend on as opposed to material objects. No matter how much stuff you have, there will always be a new gadget, car or piece of designer clothing that will quickly dampen how good you feel about what you already own. However, you simply can’t replace that feeling you got from a trip to Paris, a meal with friends where you enjoyed the most delicious food and laughed until 2am or seeing your favourite band in concert.

Having money to spend on memories that won’t depreciate – even inexpensive ones, definitely creates a rich, happy life.

Money Allows you to Invest in Yourself and Others

Happiness and feeling good about ourselves often comes when we’re growing as people. Having money reduces that feeling of stagnancy because we can make investment choices that will either forward us in our skills, personal development, health, career or business. It can also help us to build real wealth and benefit from the satisfaction that comes with that. Life is better and easier when we’re able to make these investment choices.

Being able to contribute to investing in others can also lead to a huge rise in happiness. How good would it feel to be able to donate every month to a cause you feel passionate about or to invest in a business or project that’s completely aligned to a heart desire?

You can also experience this on a smaller scale. Try spending $10 on someone else today. This can be a donation, buying a friend or family member a small gift or helping out a stranger in need. I’m not suggesting you start giving away all your money, but notice how energetically it makes you feel when you give to others. That energy is powerful and as everything is energy, when you’re vibrating on that level, it’s going to come back to you. The universe has a wonderful way of rewarding us when we selflessly give to others!

Indeed, money can’t buy happiness but it can buy flexibility, security, memories, time, the power of choice and the ability to help others. It’s how you choose to see, spend and save money energetically that can really increase your feelings of happiness, self-worth and satisfaction.

Manifest Reality and Your Finances Will Follow

julie@juliemurphy.com (Julie Murphy) — Mon, 10 Jan 2022 12:40:46 GMT

You Are the Creator of Your Life

Everything is energy and where you are right now is a reflection of what you have created. You can listen to me talk more about this here on YouTube .

Write Down Your Thoughts About Your Financial Situation

Write Down the Words You Use to Describe Your Financial Situation

Money is no different.

If you want to manifest dreams into reality, you have to shift your words, feelings and thoughts to align with what you want - not what you have.

Choose to Create an Internal Shift

How to Change Your Budgeting Habits In 2022

julie@juliemurphy.com (Julie Murphy) — Thu, 06 Jan 2022 13:23:11 GMT

If you’re ready to make financial changes in your life this year, it’s crucial that you address not only the practical side of how you manage your money, but the emotional too.

In this article, I’m going to share some key tips on growing your financial wealth and how to improve your cashflow from a place of financial empowerment - no matter where you’re starting from.

Understand That Money Is Energy

Absolutely everything is energy. Our thoughts, words, actions, our physical bodies - everything. This has been proven by Quantum science and it’s at heart of how I teach and what leads to real wealth financially and emotionally. You can hear me talk more about this on my YouTube channel .

How Does the Word ‘Budget’ Make You Feel?

When you think about the word ‘budget’, really tune in and notice how it makes you feel. Does it deflate you and make you feel restricted? If so you’re certainly not alone as the pattern I generally see is that most people feel limited and disempowered. It’s similar to going on a strict diet where all your favorite treats are suddenly forbidden and 3 weeks later you’re devouring an entire packet of Oreos!

It’s time to reclaim your power! So, let’s start by removing the word ‘budget’ out of our vocabulary and think about it in a different way.

We need to shift our thoughts, words and feelings around the cash that gets deposited into our accounts and what is going out. Again, the amount is insignificant as it’s all about the energy that you approach it from that will really move the needle on improving your cash flow.

How Do You Want Your Money to Flow?

Write Down Your Outgoings

I’d like you to write down all your outgoings and where your payments go. Check all your direct debits, standing orders, credit cards, day to day expenses and subscriptions to ensure nothing is missed. Then I want you to look down the list.

What one choice do you no longer resonate with? Is there an outgoing that doesn’t feel like a safe container? Is there something that’s triggering shame, blame, guilt or judgement or just an underlying sense of unease?

Keep working down the list to see if you can make more of these tweaks and changes.

Create Financial Intentions

What are your goals for your finances? Where do you want to contribute more of your money? Name the financial intention, for example ‘My Rich Retirement’. Most banks now enable you to name your online accounts and I assure you when you see that new account building up, it’s only going to create more of those feel-good emotions, generating a ripple effect on other parts of your finances and life too.

How to Manage Your Debt in 2022

julie@juliemurphy.com (Julie Murphy) — Mon, 03 Jan 2022 11:29:34 GMT

Feeling weighed down by debt can feel incredibly stressful and debilitating. It can be overwhelming, figuring out how to manage your debt, or where to start tackling it.

In today’s post, I’m going to offer some advice that will help you move through handling debt with more ease, positivity and action.

Shift the Way You Think about Debt

You’re perhaps experiencing fear around debt. This is completely understandable and a very normal response. However, it’s important to consider how you can shift your thoughts around how you view debt.

When we put emphasis on the word ‘debt’, it can trigger those low frequency emotions such as dread, worry, guilt and shame. When immersed in this fear and lack mentality, it becomes difficult to move forwards practically with the right energy and mindset.

I want to offer you a fresh perspective. Think about debt as something neutral - neither good nor bad. It’s simply a choice you have to pay something off over time. Your thoughts and words create your outer world and so reframing how you’re thinking and speaking about debt can help you take a new approach to handling it.

Get Clear on the Amount You Owe

This can be a task that you might be tempted to put off, but when you do some work on what I have mentioned above, you can see it through a more compassionate lens. Often the fear of the unknown number can feel scarier than the debt itself and when things can start to feel out of control. It’s from this place we might slip into self-sabotage mode. So, let’s nip this in the bud now!

Dedicate some time to working out exactly how much debt you have. Credit cards, loans, overdrafts, fees, outstanding bills. Once you know the exact amount you need to pay off, you can make a plan.

If you feel overwhelmed, just remember that the debt isn’t a reflection of you, your worth as a person or your ability to create real wealth and financial freedom moving forwards.

Start Making a Plan to Budget

Next, you need to assess your current income, outgoings and spending habits. Look over your bank statements from the past 6 months and write down where your money is going that could be scaled back. It doesn’t always have to mean making radical changes that leave you feeling deprived - those small tweaks in various areas can make a big impact. Can you shop smarter, reduce takeout orders, cancel subscription services that you hardly use? Leave no stone unturned as there is opportunity to save money everywhere!

Be intentional and write down where you can make smart adjustments.

Seek Help

There are many financial advisors and experts such as myself who can help you figure out how to manage debt. Working with someone directly can help you create that plan of action you need to move forwards with clarity and confidence. These people can also often advise you where and how you can easily reduce your current costs by 10 - 15%.

I also have an entire library of financial tips and tricks on my YouTube channel that I would encourage you to watch.

Automate Your Money

With online banking, it’s easier than ever to automate your money so that a percentage of your income automatically goes towards paying off your debt every month without you having to do anything. I’d highly recommend looking into how you can implement this or seek the help of a professional who can advise you.

Use it as Motivation to Increase Earning Potential

We often think of working through debt as ‘cutting back’. Whilst it’s true that assessing where we can scale back will definitely help, it feels so much more empowering to consider how you can earn more and what opportunity this presents!

Now could be the perfect time for that conversation about negotiating a pay rise. Or perhaps there’s a venture or new business you have always wanted to start, but have been too scared of, or have never made the time for? You might have clothes or items in your home that you never use and could sell to create immediate cash.

Use the debt as a positive motivator. Instead of thinking about how and where you have to ‘cut-back’, think about how you can create more money. Take your practical hat off for a moment, and visualize how having more income each month would make you feel. Awaken that part of your brain and you’ll see that the possibilities really are endless! The energy of abundance is far more potent than one of lack and shifts us into flow rather than fear and stagnation.

How to manage your debt does not have to be a scary question. It doesn’t mean being fearful or living your life shackled to a spreadsheet. It’s about making thoughtful, and smart financial decisions now that enable you to feel good about the future.

Why Is Money Management Important For Your Future?

julie@juliemurphy.com (Julie Murphy) — Thu, 30 Dec 2021 13:00:00 GMT

Why is money management important you ask? It can drive us towards our greatest dreams or prevent us from living the life we want. In today’s post, we’ll explore how far you can go.

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Why is money management important?

Management is essentially the ability to be disciplined enough to accomplish goals and to stay focused on the task at hand.

The good news is, money management doesn’t have to be complicated or overwhelming. You can find unique ways to manage your money without it being boring or complex. And I’d love to show you how to do that.

Let’s take a closer look at the importance of managing your money and how it will affect your future.

What Is Money Management?

Money management is the ability to improve your personal finances by taking specific steps.

We all have our own unique financial goals, which makes managing your money a deeply personal experience.

I truly believe that we all have the ability to manage our money, but we often just don’t know where to start.

It’s challenging since many of us grow up with a scarcity mindset that can hold us back from achieving all we’re capable of accomplishing.

Now, listen to me when I say this, you have the absolute ability to earn money and learn how to manage it, even if you feel like you aren’t right now.

I often find that the key to learning how to manage money lies in our ability to think positively about where our money stands right now. Even if we aren’t happy with the situation, we have the power to change it!

So, what does money management look like when our mindset is positive about the future?

First, we’re less likely to avoid the topic altogether if we’re confident in our ability to alter it. Empowered by our desire to not only look at but modify our existing money management situation, we can see clearly where we stand.

Second, with greater insights into our existing financial standing, we can then create a plan of action. That plan can translate into real wealth down the road if we play our cards right.

Third, as we better understand both where we stand and where we want to go, we can start to build up our savings and then use that money to create long-term financial success.

Why Is Managing Money Important?

Managing your money is important because it dictates everything from your health to where you live and the opportunities you and your family can enjoy. With plenty of money, you can live the life of your dreams without sweating the small stuff in between.

It’s a beautiful feeling knowing that all your bills are taken care of and you can travel as often as you like while ensuring your family is fully prepared in case of a financial emergency.

Create A Path to Better Money Management—Step-by-Step Actions You Can Take Today

To properly manage your money you need a plan, just like anything else we take on in our lives. Check out the following steps to better money management to create a better future for your finances.

Step 1. Start Tracking Your Spending

One of the biggest mistakes we all make is simply not tracking where our money goes. It’s a simple thing, really, and once you start to do it, I promise it gets easier. There are plenty of money tracking apps out there to help you do this, as well.

Step 2. Create and Stick to a Monthly Budget

Another important step is to stick to a monthly budget as closely as possible. I know it can be a challenge, but I find that even when things are challenging, we benefit in positive ways. Simply having more discipline is important, in my opinion.

Step 3. Save Up Cash When Possible

You are a magnet for money when you feel good and are in a high vibrational state. As you begin to accumulate money, save it! Now, I don’t recommend saving ALL of it, but do your best to put aside a good percentage of your income so you can better manage it.

Step 4. Start Investing

We should all be investing some portion of our income. If we aren’t, we’re missing out on a real opportunity to expand our wealth in the future. There are so many different ways to invest, as well. For example, simply maxing your employer’s 401(k) program is a great start for your savings. You might also want to consider opening up a retirement account if you can.

Step 5. Stick with It!

You’ve come this far, I promise you that you can keep going if you stay positive. Money is attracted to people who believe they deserve it. With a bit of practice, you can start to attract more money by staying in tune with your finances and sticking with your goals.

Step 6. Educate Yourself

There are so many financial courses available online to help you learn how to manage your money, it would be a mistake to not leverage them for your finances. Check out a few money courses here and consider taking one or two to improve your situation. You can also check out my YouTube channel for even more insights I only offer there. I also have a book, Awaken Your Wealth where I discuss how you can turn your wealth ‘on’.

Make Your Future Bright—Start Managing Your Money Today

The world is your oyster, and with enough money in your bank account, it can be an even more enjoyable place to be.

Take hold of your finances and start managing your money today, and you’ll be amazed at how far you can go, tomorrow!

Fear of Money and How it Prevents You From Building Wealth

julie@juliemurphy.com (Julie Murphy) — Thu, 23 Dec 2021 11:58:59 GMT

Do you have a fear of money?

You’re probably looking at your computer screen with a puzzled look on your face.

I know what you’re thinking, “No, Julie, I don’t fear money, I just never have enough!”

Well, what if I were to tell you that statement represents a FEAR of money?!

It’s true. When you have fear around your finances, you are sending out a vibration of fear that doesn’t align with what you want financially.

In today’s post, we’re going to take a look at what the fear of money gets you and how to overcome your financial fears once and for all.

Signs You Have A Fear of Money

Did you know that the fear of money has a name? Its name is Chrometophobia. Some signs of this phobia include:

Extreme hesitancy to think about money
Anxiety about your spending habits
Fear that you won’t ever have enough money—no matter what happens
Worry that you won’t be able to pay your mortgage or rent and be homeless
Fear that you’ll never be able to retire
Anxiety over losing your job

In a much broader definition of the fear of money, many simply try to avoid the subject of money altogether. Maybe we want to avoid feelings of stress caused by talking about our finances. Or perhaps we don’t want to be overwhelmed by our current financial situation. For others, there is an intense fear of the lack we feel around money.

Whatever the reason for your fear or the fear you feel, there is a way out.

You don’t have to stay stuck.

But until we free ourselves of the fear of money, we’ll have these and similar symptoms.

Not only that, but it prevents us from building wealth.

Here’s how…

How It Prevents You from Building Wealth

The consequences of having a fear of money are real. For one, the health effects can cause long-term damage. Stress from anything, including fear of money, can lead to heart disease, insomnia, anxiety, and depression.

But it is the emotional and financial damage that can be incredibly harmful to your life.

For example, if you are in a marriage and allow your spouse to manage all finances, you could get an extreme wake-up call if you get divorced.

Procrastinating in keeping up with your finances can lead to overwhelm if and when life happens. The last thing any of us should do is to wait for a major life moment to take action with our money.

So, why does this happen?

Because we get stuck in an emotional cycle that prevents us from breaking free.

Shame, guilt, and fear all work together to keep us stuck. When we feel shame about our money, we tend to avoid it. Before you know it, you haven’t paid your bills on time in months.

Then you feel guilt over not paying your bills. Then you feel afraid to try to understand your finances and the cycle starts again.

This can go on and on throughout our lives if we don’t take control of our finances.

But you can stop it.

The Secret to Overcoming Financial Fears

No matter where you’re in your financial journey, you can change your finances. Logically, it all starts with acknowledging where you are today, putting a goal together, and working towards a financial budget.

So, the first step is to admit to yourself the situation you’re in right now. You already know how ignoring your financial situation is hurting you, so the next step is to understand and accept this truth.

Next, you need to create exposure therapy for your finances. Checking your financial balances each week, opening your bills as soon as you get them, and then setting yourself up with a financial budget.

Without a budget, you won’t be able to figure out the right path forward for yourself. You also won’t set yourself up with good fiscal boundaries—a critical component to any intelligent actions with your finances.

Another way you can start learning how to overcome financial fears is to invest in educating yourself.

You can never go wrong in investing in yourself, even if that means you have to take financial money courses or simply follow professionals like me on YouTube .

Fear can also hold us back from taking bigger leaps of faith, especially surrounding our finances. This could be the case if you are afraid to invest your money in the market. The result is one missed opportunity after another.

Put An End to Your Fear Over Having No Money

It’s time to end your fear of money once and for all. With the right mindset, thought process, and faith the size of a mustard seed, you can transform your finances.

The truth is, sometimes we can know all the right steps but never take them. We all know we need to create a budget, pay down our debt, and save for the future. But often what we struggle with is taking action towards any one of these goals.

It’s in our minds that we face the greatest battle.

But this is a battle we can win. With a bit of patience and self-awareness, we can build wealth for the future.

I highly recommend going within and asking yourself what you are afraid of and why money is such a trigger.

Did you go through extreme poverty as a child? Have you suffered greatly from a lack of money as an adult?

Whatever truth is revealed to you as a result of introspection, use it to build your new life complete with financial wealth.

Money doesn’t have to rule your life. Put some focus into your financial fear, and I promise you you’ll notice a big difference in where you’re at and where you’re going.

How to Turn Your Finances Around in 2022

julie@juliemurphy.com (Julie Murphy) — Mon, 20 Dec 2021 10:30:00 GMT

Do you want to know how to turn your finances around in 2022?

Transformation on any level is a process.

One that requires a clear vision and a good deal of passion.

But I’m here to tell you it can be done! There is very little that we can’t do if we put our minds, hearts, and thoughts into it.

So, as you step into the next 12 months, consider the following ways you can turn your finances around and live a life of abundance!

How to Turn Your Finances Around

Smart & Simple Ways to Get the Financial Success You Want

Envision the Financial Future You Want

Our thoughts lead to financial decision-making that creates our financial life.

If you’re going into 2022 and dreading it, there’s a good chance you’ll experience more of the same in the new year. Put a stop to that negative thought process right now.

Explore new ways of thinking. Could you potentially earn more in 2022? Is it possible you could find new side hustles to add extra income or pay off debt? Do you have creative pursuits you’ve never chased but are ready to this year?

Don’t allow your inner critic to talk you out of thinking positively, either. I know it’s something we all struggle with—the battle between logic and creativity.

But here is the truth, there is no harm in thinking happier thoughts, but there is harm in continuing to be negative.

Picture the best version for your life financially then go after it.

Create A Financial Plan

Of course, nothing in the material world can come to fruition without a plan. That’s why your next step is to create a financial plan for the next 12 months.

Start by either creating a budget or accessing your current one.

This would include identifying your monthly income, listing your expenses, and examining your expenditures.

If you can, track your money over at least 3 months to get a clear picture of your finances and where your money is going.

Once you have that information, you can start to improve your financial decision-making. That can include paying yourself first, saving for an emergency fund, or deciding which investments you can afford in the coming year.

All of this data can be used to create a financial plan that works and gets you one step closer to your financial vision.

Write Down Your Financial Goals

Now that you have your vision and your budget information, the next step is to write down your financial goals.

Your goals can be anything from earning more to finally getting the 6-month emergency fund together.

Whatever your goal is, no matter how big or small, write it down.

Why?

It’s part science and part alchemy. When we write things down it changes the way our brains remember our goals. Esoterically speaking, when we write a goal down, we are performing a ritual of sorts, that tells the universe what we want.

Educate Yourself

Sometimes what we need the most is education.

Financial education is one of the best ways to learn how to turn your finances around in 2022. That education can come in multiple forms, including YouTube videos!

I’ve shared hundreds of financial tips and tricks on my YouTube channel that I would highly encourage you to check out.

Even if you only watch one or two of my videos, I’m confident that you’ll learn something new and get some inspiration for your future.

Invest In Your Health

You’ve probably heard the saying before, “health is wealth”. There is so much truth in that statement.

If you don’t take care of your body and mind, you can’t take care of your finances. That’s why I highly recommend investing in your health as you move into the new year.

Maybe your diet doesn’t consist of enough vegetables right now, make it a point to add one veggie to each meal you eat. Toss some spinach into your eggs in the morning or add a green smoothie to your lunch meal plan.

You can also get more active by taking the stairs instead of the elevator or parking further away in the parking lot than you normally do.

Small, consistent, steps can transform your health more quickly than you’d expect. And when your body feels good, your financial goals can become more clear and easier to execute.

Get Balanced

Balance is one of the most important laws in the esoteric world. But it’s also important in the material world we live in.

If you’re overspending consistently or just don’t have the right priorities together then you aren’t living in a balanced state.

Take your time in 2022 to focus on balance instead of rules and see how that benefits your finances. When we make decisions from our hearts instead of from our logical minds, we make decisions more clearly.

Focus on balance and watch your finances grow in the new year.

Go After Your Dream Job

When you love what you do for a living it’s not work! In 2022, why not take a leap of faith and think about applying for your dream job?

You’d be surprised by how quickly you out-earn previous positions that you didn’t enjoy and found to be a strain on your soul.

Happy people are wealthy people. So leap. Go after what you really want instead of holding back over the fear of your finances. The time is now!

Need More Insights?

Now that you have a better understanding of how to turn your finances around in 2022, it’s time to put these tips into practice.

Want more insights into how to transform your life?

Stick around my blog or head over to my YouTube channel to get thoughts I only share on video.

Have a wonderful 2022!

Conscious Decision Making in Your Financial Life

julie@juliemurphy.com (Julie Murphy) — Wed, 15 Dec 2021 10:57:07 GMT

A conscious decision is one that comes from the heart space, instead of the logical side of our mind.

Think for a moment about wealthy stock traders.

Do you think they make unconscious or conscious decisions?

If they’re good at what they do, they make conscious decisions. And if you want to get your piece of the financial pie, you need to learn how to make decisions from your conscious mind, instead of your unconscious.

But what exactly is a conscious decision?

How does it differ from its opposite?

A Definition of Conscious Decision Making

First, it might be helpful to discuss the conscious decision definition in its complete form.

It was Sigmund Freud who broke down our minds into three categories, preconscious, conscious, and unconscious. He believed that each of these parts plays an important role in our behaviors.

The Preconscious Mind is any piece of information that could potentially go into the conscious mind.

The Conscious Mind is where all of our thoughts, feelings, wishes, and memories live in the present moment. We can think and speak rationally about that which exists in this part of our minds.

The Unconscious Mind is the lowest level of our minds, and it holds the feelings, urges thoughts, and memories that are not within our conscious awareness. Anything that is unacceptable or unpleasant like our painful feelings live in our unconscious mind.

Now that you have a better understanding of how your mind operates, we can shift our focus to the definition of unconscious and conscious decisions.

Unconscious Decisions

An unconscious decision is made from the repressed part of ourselves. People who follow the crowd often make these decisions. You can relate someone who follows fashion trends with unconscious decision-making. The impact of unconscious decisions, however, can be much more far-reaching than surface-level problems.

The impact of these unconscious decisions sometimes can be far-reaching. Market share gains are foregone. Income is foregone. The ability to reinvest that income is foregone. Brand awareness is foregone.

Conscious Decisions

Conscious decisions, on the other hand, come from a more fully realized place. It’s a decision that comes from our heart, mind, body, and soul. It’s typically based on careful thinking and maybe even meditation and prayer.

When you take a more conscious approach to your decision-making, you’re far more likely to experience positive outcomes. Why? Because you’re in alignment with every aspect of yourself. This is conscious decision-making.

Why Even One Conscious Decision Can Change Your Financial Life

If you’re unfamiliar with conscious decision-making, then this process might seem unfamiliar to you. Maybe you’re more prone to make decisions based on what other people recommend to you. Or it could be that you just don’t take the time to think about what you really want.

Whatever the case, even if you make one conscious decision in your life, you may be amazed by how it can turn your life around. Even financially.

Not only that, but once you start making decisions from your conscious mind, it quickly becomes second nature, addictive, even!

So, how can you do it? Let’s check out a few simple steps to get you closer to conscious decision-making.

Steps You Can Take to Leverage Conscious Decisions in Your Financial Life

How to Make Conscious Decisions Easily

Step 1. Become aware of your decisions.

Are you fully aware of how your decisions affect your life and environment? Our financial decisions create a pattern and framework that makes it blatantly obvious where our minds have taken us. What I’d like you to do is to consider the last three decisions you’ve made. How were your decisions connected to your values? If they weren’t connected to them at all, then it could be that you’ve been making unconscious decisions.

Step 2. Notice how you feel.

What emotions did you feel after making each of your past 3 decisions? Are the emotions that you felt in the driver’s seat? Keep in mind, the best decision-making processes will make you feel alive. Why? Because they’re connected to your soul. Yes, even the financial decisions you make.

Step 3. Accept what happens.

No matter what we do, we can’t go back in time. When something happens, it happens. Accepting this is critical to moving forward and creating a better life for ourselves. The only thing any of us can do is decide what our next step is, and how we’ll decide to take it.

Step 4. Take action or nonaction.

Ultimately a decision is an action or nonaction. Yes, even refusing to make a decision is itself a decision. Use your head, heart, and gut to decide which path is right for you. Once you’ve analyzed your emotions and feelings and how it aligns with your inner world, it’s time to act. You can use this process for any area of your life.

Some Examples of Conscious Decisions

Conscious decisions may not all look exactly the same, but they do produce results that are aligned with our hearts and minds.

When we make conscious decisions, we stop and ask ourselves what we think. We take time to pause and breathe through the emotions and thoughts that run through our minds. They are not based on impulsivity or pressure from outside sources. They strictly come from within.

For some people, journaling, meditation, and speaking with a good friend helps them make fully conscious decisions.

If you’re trying to make a financial decision, you’ll do research, study up on the ins and outs of the process and potential benefits. Armed with this information, you’ll go back to your heart space and listen to what your unconscious mind is trying to tell you. Let your unconscious mind come to the surface through synchronicities and signs. Pay attention, and you’ll get a truthful answer from within.

A few other suggestions you can try include:

Look for patterns in your gut, head, and heart. What does it feel like when you make decisions in tune with each of them?
Create your own ritual around decision-making. That can look like burning candles and chanting or writing out lists. It’s up to you.
Ask people you trust for their opinion.
Trust that you’re making the best decision with the resources that are available to you.
Ask yourself what you can learn from past decisions.

How Can You Start Making More Conscious Decisions?

Financial decisions are some of the most important any of us will make in our lives. If you’re living from an unconscious place, then you’ll continue to make unconscious decisions.

Change the tide on your life by becoming more aware of your decisions and investing in yourself. You’ll be amazed by what happens to your finances when you begin to listen to your heart, mind, body, and soul.

How To Deal With Disappointment and Move Forward

julie@juliemurphy.com (Julie Murphy) — Mon, 13 Dec 2021 02:24:10 GMT

We all experience disappointment in our lives, but the question we need an answer to is how to deal with disappointment constructively.

Just like all emotions, disappointment serves a purpose.

Of course, it also comes on the heels of devastating experiences in our relationships, career, or even in ourselves.

If you’re wondering why you feel like a failure or how to navigate the pain that comes with disappointment, this post is for you.

Let’s start by looking at the science of disappointment and what that means for you.

How to Deal With Disappointment Like a Therapist

Researchers define disappointment as a form of sadness, something that accompanies a feeling of loss, or uncomfortable feelings where a hole is left between our expectations and reality. This happens when we are convinced that what we thought we needed to feel happy or fulfilled doesn’t develop.

However, at its core, disappointment is just another emotion. It can even give way to rage or even apathy. Both of these emotions can stop our productivity in its tracks. But to get control over this emotion we have to understand it.

The Difference between Grief & Disappointment

To learn how to deal with disappointment, we have to recognize how it differs from other emotions we feel. For example, grief is often associated with disappointment on a deeper level. Grief happens when we are disconnected from someone or something that we valued or wanted to. Grief also has a greater and longer-lasting impact on our lives than sadness or disappointment alone.

But each of these emotions serves its own role in our lives.

Sadness, for example, helps us remember what we desire. It can even trigger self-reflection and pushes us to acceptance of the situation at hand. Ultimately, sadness tries to help us by refocusing on what we can change or revise to create a future with a little less sadness. It does this by helping us be more cautious when we make decisions, making it easier to protect ourselves in the future.

Unfortunately, we are hardwired to avoid feeling emotional pain, including our disappointment. This goes in line with our desire to avoid what exists in the present and live in our own fantasies of what could have been.

While it might sound counterintuitive, placing too much emphasis on happiness can lead to more disappointment in our lives.

Why Valuing Happiness Can Lead to Disappointment

That’s right, valuing happiness can be self-defeating, depending on how we evaluate our progress towards that which we desire. If you spend a good deal of time comparing yourself to an ideal or fantasy that you want to experience, you set yourself up for disappointment.

So, how can you balance your desire for good things without tipping the scales in favor of disappointment?

Fostering Resilience Is the Secret

The secret is resilience.

Resilience is an ability to cope with a crisis emotionally to return to pre-crisis status fast. By using mental processes and behaviors in promoting personal strengths to protect ourselves from the negative effects of stress, we can become resilient.

One of the ways we can build this skill is by constructing realistic appraisals of what you need, avoiding painful idealization, and accepting what it is in the present moment.

The more we practice this process, the easier it becomes.

Simple Steps for How to Deal with Disappointment and Move On

Moving on from disappointment requires more than avoiding the emotions you feel. Go deeper and consider the following simple steps to move forward.

Step #1. Feel Your Emotions

As I mentioned earlier, avoiding your emotions is the fastest way to fall victim to disappointment. So, start by acknowledging your disappointment but don’t get stuck in it. If you didn’t get the job you wanted, etch out a few minutes or even hours in your day to feel bad about it. But once you feel it, move on.

Step #2. Stop Ruminating on What Could’ve Been

Next, stop ruminating on what you feel could’ve been or should’ve been. The longer you dwell on your disappointment, the more likely it will hurt you and prevent you from concentrating, problem-solving, and using your creativity to get out of the situation. When you feed the disappointment with new thoughts and new pains, your emotional pain will only grow. Be careful not to do that.

Step #3. Be Compassionate Towards Yourself

It’s tempting to be self-critical when we feel disappointment. That anger we spoke about earlier can easily be turned inwards and directed towards ourselves. Don’t let that happen to you. Keep in mind, the more we beat ourselves up the more we damage our confidence, self-esteem, and overall emotional state. Take some steps to become more compassionate about yourself, whether that’s just noticing your self-talk and changing it or if it's acknowledging that we all make mistakes and face disappointment. Make these small adjustments and see how much better you feel.

Step #4. Look At it From a New Angle

A fresh perspective can be powerful. We can often feel disappointed by things that we won’t even remember in a few months or years. Think back to previous disappointments. Are you still ruminating on them all these years later? Probably not. Keep that in mind and think about your current situation from a new perspective. Remind yourself of all the things that are going well now and focus on them, instead.

Step #5. Accept What It Is & Look To the Future

The more significant the disappointment, the harder it is to accept what’s happened and to look forward to the future. Yet, this is one of the most powerful tools we can use to stop feeling disappointed. Regardless of the situation, you’re facing, spend some time feeling the pain and then create a plan for how to get over the pain and move forward with your life.

Validate, Feel, Accept & Move On From Disappointment

Each of us has the power to move forward from any pain we experience. The key is knowing how to do it and embracing our ability to let go. The world is a great big place with many opportunities, people, and experiences waiting for us.

So, the choice is yours.

Will you learn how to deal with disappointment and stop feeling like a failure?

Or will you stay stuck in the past never moving forward?

Only you can answer that question but know that you absolutely can move past disappointment and live the life you want.

How To Make Positive Changes In Your Life for 2022

julie@juliemurphy.com (Julie Murphy) — Thu, 09 Dec 2021 03:00:00 GMT

Wondering how to make positive changes in your life in 2022?

With a new year comes new opportunities to change the way we look at our lives and the changes we want to make.

But what if you’ve tried it all before and feel burnt out by the prospect of a new year, instead of excited?

Well, then you might need some help figuring out how to start making positive changes in your life.

Life is all about change, and if we resist it, get left behind.

Here are my recommendations for how you can make positive changes in your life in the coming year and beyond.

How to Make Positive Changes in Your Life

Invest in Yourself

There is no greater investment you can make than an investment in yourself. This goes for the time, money, and energy you put back into yourself.

No one has ever regretted starting a workout routine that produced results. Similarly, you can’t make a mistake by starting a meditation routine, or by getting to know yourself better.

Any investment in yourself is a good one.

This is the best first step towards a more positive life.

Commit to Learning

Building off the previous point, you should commit yourself to learning in the new year to make positive changes in your life.

Check out these books to kickstart your New Year off on the right foot.

Atomic Habits - James Clear
Change Your Habits Change Your Life - Tom Corley
High Performance Habits - Brendon Burchard
Everything is Figureoutable - Marie Forleo
Awaken Your Wealth- Julie Murphy

Learn to Say No

What we don’t do is just as important as what we do.

What do I mean by this?

Well, sometimes we find our power by taking it back from places it shouldn’t have been in the first place.

Overcommitting yourself to a bunch of different activities is a one-way street to burnout.

Don’t fall victim to it.

Instead, start practicing saying “no” when you want to.

Conversely, if you do have many goals you want to achieve in 2022, take small steps to achieve them instead of getting overwhelmed by them.

For example, if you want to start meditating, make it your focus to sit quietly just for 5 minutes in the morning each day.

Taking these small steps might seem insignificant but it’s the best path towards success in positive change in your life.

Combine your ability to say no with your desire to change specific aspects of your life and watch your life change.

Take Responsibility

If you want to learn how to make positive changes in your life, you must take responsibility for where your life is today. Stop blaming your parents, friends, or other relationships for where you are today. Once you start taking responsibility for your life you have more power to change it.

Every choice we’ve made before has led us to this point in our lives. Be accountable for your decisions to start making better decisions in the future.

Rely on Your Support Network

It’s tempting to feel like you can do it all alone, but I can tell you, that isn’t possible. Humans are social creatures, which means we need others to weather the storms of life. The stronger our networks are, the less stress we experience.

If your social network is weak, then 2022 might be a great year to start building it.

Keep in mind the type of people you want in your life. Don’t settle for less just because you need a network. Think about the qualities you like in people and seek out individuals who possess them.

I also recommend finding people who are living a life more closely to what you want your life to look like. This motivates you to be your best and reach for your goals.

How Do You Make Change Stick?

Armed with a few simple tips for how to start making positive changes in your life, it’s time to turn your attention to how to make change stick in your life.

What’s Your Why?

First, identify your ‘why’. Why do you want to make this change? What will this change bring about in your life? How will it affect your future? When you have a powerful reason to stick with your changes and make them permanent, you’re more likely to experience the change you want.

Devote Yourself to Action

Another way to make your changes stick is to commit yourself to action, rather than achieving your goal/change quickly. Address the how instead of the what.

Track Progress

Validate how far you’ve come by tracking your progress. Create a process to do this like a checklist, spreadsheet, or even just a list on a piece of paper. Revisit your ‘chart’ when you’re feeling down about your progress. Getting a little boost here and there helps us stick with our changes for good.

Use Visualization

The power of visualizations cannot be understated. Even athletes and billionaires use this process to get clear on their goals. You should use it, too! Think about how your life is different now that you’re making changes. Imagine yourself doing the work it takes to live the life you want to live. As you practice visualization you will get clearer on your goals and be more motivated to stick with your plan.

Get Started

2022 is right around the corner, and there is no better time than now to start creating a more positive life. Take at least one of the tips I’ve outlined above to start making changes in the new year and remember, be patient with how quickly these changes start to happen.

You deserve to live an incredible life. You deserve to feel alive. Make 2022 one of the best years of your life by creating change within yourself.

Money Motivation and How to Change Your Financial Future

julie@juliemurphy.com (Julie Murphy) — Mon, 06 Dec 2021 11:00:00 GMT

Money motivation can come to us in many different ways and it all comes from our awareness surrounding our finances. For many of us, our bills and mounting debt can be enough to keep us motivated to earn money.

But if you are sick of being on a rollercoaster of lack in your money, then it’s time to look into how to motivate yourself to make money beyond what you need on a day-to-day basis. Shifting from financial scarcity to financial abundance.

In this post, I’m going to help kickstart this process for you.

And I’m here to tell you no matter what your financial situation is today you can find the motivation to get money and fuel your future wealth creation.

So, let’s get right into it.

What Is Money Motivation & How Can You Get Some?

Money motivation, just like any other motivation, is about the inspiration that pushes you to take action, it’s your dreams and desires. Triggering motivation to live a life that you love is a process, but it can happen quickly if you know the steps to do it.

Everything we do is psychology, and the science of motivation is no different.

Getting motivated requires us to be inspired to act. If you’re excited about earning money, you’re more likely to be motivated to put in the work to learn how to do it.

Inside our brain, an entire world of motivation is at work every single day. We are motivated by either reward or punishment.

For example, we avoid putting our hands on a hot stove because there is a punishment waiting for us—a painful burn. On the other hand, we may scroll social media for hours on end because we’re rewarded with dopamine hits.

To dive even deeper, these two categories are known as intrinsic and extrinsic. Intrinsic motivation is a spontaneous tendency to seek out novelty to explore our ability to learn and grow. It comes from within and isn’t prompted by outside influences.

Extrinsic motivation is the opposite. It is prompted by an external motivation perhaps a goal to lose weight or even to follow social pressure.

Now, we could break the science down even further, but I’d rather spend time discussing a few tips for how you can find more money motivation from within. it’s about building your wealth from the inside out. In the next section, we’ll do just that.

How to Motivate Yourself to Make Money

Here’s how to motivate yourself to make money today, tomorrow, and well into the future.

Set A Goal

One way to get excited is to set a goal and a vision.

What is it you desire for your money to bring into your life?

Maybe you want to earn more money so you can pay off debt?

Maybe you want to build generational wealth?

Perhaps there is a particular item you want to purchase that you won’t be able to unless you earn more money?

Whatever it is that is inspiring you to earn money should be used to fund your vision or goal.

That goal should be at the forefront of all the work that you do.

Use visual stimulation to keep this goal in front of you daily.

You could do this with post-it notes in your wallet next to your money or even a screensaver on your PC.

Put a visual reminder of your goal somewhere you’ll see it daily and watch your motivation soar. Again, it’s about increasing your awareness.

Be Open to New Strategies

What once worked to build wealth is no longer applicable.

With the rise of bitcoin and the uncertainty of the stock market, many of us aren’t sure where to turn to start earning money.

So, I urge you to be open to new opportunities that may pop up in your direction.

Don’t get pigeonholed into using the same money strategies that your parents did unless you desire the same outcomes they had in their financial life.

Do your research and develop new personal strategies that work with your cash flow and existing wealth.

Track Your Progress

Another money motivation tool is tracking your progress. See how great you’ve been doing!!

As humans, we get discouraged rather easily.

It goes back to the science of how our brain works.

We are easily distracted.

So, make it your goal to keep track of your progress in building wealth. This goes in line with goal setting, but there are multiple tools you can use to track your progress.

Whether that’s an app or just plain ole pen and paper. Write down your dreams and goals and then when you reach a milestone REWARD YOURSELF! A reward is a strong motivator for the brain, so don’t skip this step. It’s the only way to release all that shame, blame, guilt blame, and judgement you have surrounding your financial life.

Invest Your Time & Energy in a Side Hustle You Like

Part of staying motivated involves participating in a side hustle you actually enjoy. Taking ownership of your own financial success is an amazing experience—especially when it works. Remember, you are the creator of your life!!

What do you mean to create? And, if you have a hobby you’re really passionate about, why not monetize it?

Whether you love to write and could start a blog or if you’re just someone who loves to listen to a podcast and drive for Grubhub, there are so many different ways to start a side-hustle you like and improve your financial situation.

When you enjoy what you’re doing you’re more likely to actually stick with and keep earning money. So don’t be afraid to start that side-gig in addition to your full-time job. You might be amazed by how much freedom you can enjoy when you have a separate way to earn more money.

Find Someone Who Motivates You & Learn From Them

One of the most common ways that people lose their motivation to earn money is a lack of a supportive community.

Earning money is not easy. It requires dedication and focus. A larger community can give you the support you need to stick with your goals when you’re feeling weak to follow through. If you want motivation to get money, then look for a community in your area that can help you stay on the right track. Think of it like an accountability partner.

You can also just emulate someone wealthy like Elon Musk, Oprah, or any one of the members of Shark Tank.

Get More Money Motivation

If you’re serious about generating wealth, then I invite you to subscribe to my blog and check out my YouTube videos. I post tips and tricks to help you stay motivated to earn money.

I believe in you. It’s time you believed in yourself. And know, you are enough, you are worthy and you certainly are loved for being EXACTLY who you are. You can do this!

How To Build Wealth in Your 30's

julie@juliemurphy.com (Julie Murphy) — Thu, 02 Dec 2021 06:00:00 GMT

Building wealth might seem like a daunting task.

My clients of all walks of life tell me that they struggle to build lasting wealth—not just short-term gains.

It’s true, building wealth requires knowledge, a dash of experience, and a bit of patience.

But that doesn’t mean it’s impossible, no matter how old you are.

Today, though, I want to speak directly to people like you who are in their 30’s and are ready to learn how to get rich in one of the most important decades of their life.

You might think you’re too old to get rich, but I’m here to tell you that’s a complete lie.

You’re just starting to reach your income peak, but really anyone can take the steps I’m going to outline in this post and use them to build wealth.

So, if you’re serious about learning how to build wealth in your 30’s, then tune in, you’re going to want this information.

How to Build Wealth In Your 30’s

Reduce Your Expenses

One of the biggest misconceptions people have about the rich is how they got there. I can assure you, no one who is rich today has built wealth by spending more on their living expenses than they should.

Here are a few ways to reduce your living expenses.

Stop Spending Money on Expensive Cars

Buy a used vehicle and drive it until it dies. That’s the best advice I can give to someone in their 30’s looking to build wealth. Don’t buy extended warranties if you just absolutely must buy a new vehicle.

Eliminate Impulse Purchases

Don’t let Jeff Bezos eat up your wealth. Set a rule that on any item over, say, $100 that you want to buy you have to wait at least 24 hours to buy it. This helps reduce impulse buys that can destroy your chances of building wealth.

Cut What You Spend on Housing

Another way you can reduce your expenses is to cut what you spend on housing. I know that the cost of living is only increasing, but the reality is if you search hard enough you can find a good deal. Connect with a rental locator and see if they can find something within your budget to reduce your overall costs.

Start Saving A Portion of Your Income

Saving is not just something your grandparents told you to do, it’s a great way to build your wealth. After all, if you ever want to invest you have to have money to do it. Here are a few ways to start saving.

Budget for Savings

If you don’t budget for it, you won’t do it. So, start budgeting for what you want to save each month. Even if it’s $100, you will be shocked by how saving money changes your money mindset and gets you closer to your goals.

Be Consistent

Consistency is equally important. Long-term saving strategies require consistency to manifest. So, if one month you find yourself struggling to make ends meet, still put something into savings, even if it's not even close to what you budgeted. This helps you maintain the habit of saving.

Open a Saving Account that Earns Money

Another smart money move is to open a savings account that generates interest. Check out recommend savings accounts to learn more about interest-growing accounts you can sign up for.

Develop An Emergency Fund

Emergency funds are priority number one before you start investing and learning how to build wealth in your 30’s. Start by putting at least $1,000 in an emergency savings account. This is the least amount any savings account should contain. You can build on that amount over time.

Pay Off Debt

The less debt you’re dealing with, the more money you have to get rich in your 30s. It’s also really good for your credit score. Of course, keep in mind that there is a difference between good debt and bad debt. For example, mortgages are considered ‘good’ debt. Conversely, credit card debt is bad debt. The more credit card debt you have, the more it affects your credit score.

There are multiple ways to pay off debt, but it all starts with writing down what you owe and your interest rates. Then figure out how you can pay off credit cards with the highest interest rates first. Why? Because no matter what savings account you have, none of them pay as much as your interest rates.

Also, make sure you pay your payments on time every month. Missing even one payment can lead to significant damage to your credit score.

Here are a few debt payoff strategies for you to Google…

Personal Loans

Snowball Method

Avalanche Method

Balance Transfers

Debt Settlement

Bankruptcy

Invest In Yourself

I urge you with all of my soul, PLEASE educate yourself in your 30s. Nothing has a greater ROI (return on investment) than self-investment.

Maybe you want to get another degree or upgrade your existing one to an MBA. Or maybe you just want to enhance your skillsets by taking online courses.

I really don’t care what you decide to do but make it a priority to learn something new every single year.

If you work your butt off to get new certifications and skillsets, I promise you it will pay off in the long run. The more skills and knowledge you possess, the more valuable you are to the marketplace.

Become An Entrepreneur

Another avenue to explore is .

This isn’t a one-dimensional process or linear plan. It requires keeping your eyes open to new opportunities.

You don’t want to spend the rest of your 30’s as an employee. It will dramatically reduce your earning power. Ultimately you want to be the business owner. Because they have the power to earn maximum income on any of the ventures they take on. Eventually, you can also become an investor, giving you the absolute best opportunity to become rich in your 30’s and beyond.

So, I ask you, what are a few business ideas you’ve always wanted to explore? Maybe dropshipping? Perhaps Shopify? Or could you even start blogging for a living?

There are so many opportunities out there it makes no sense not to pursue them if you’re serious about building your wealth.

Use These Strategies to Build Wealth in Your 30’s

There is no time better than the present to start building wealth.

I hope that you learned a little bit about how to build wealth in your 30’s from this post, and I invite you to continue following my blog for more money, investment, and financial strategies to help support your long-term goal of being rich!

Disclaimer: Not Financial Advice! Represents methods used by the author and in no way makes any guarantees of getting rich.

Positive Self Talk Affirmations and How They Can Make You Money

julie@juliemurphy.com (Julie Murphy) — Mon, 29 Nov 2021 11:56:37 GMT

Positive self-talk affirmations are one of my secret weapons in building wealth.

I talk a lot about dealing with what I call, “crabs in your bucket”.

These “crabs” are negative words, actions, and vibe-killing thought processes from other people that cause serious damage to our self-image, dreams, and big goals.

These energies get their claws into the deepest parts of your psyche, tearing you down jab by jab, reversing any progress you’ve made, and knocking you back down to where you don’t want to be.

The truth is, though, sometimes we are our own worst crabs. And I think this has a big part in how we speak to ourselves.

Our self-talk is truly the gateway to what our future could hold. I believe, and know, that we speak things into existence.

For example, if we tell ourselves that today will be a bad day, then we more than likely will experience a bad day.

If we say to ourselves that we can’t do something, then we’ll never attempt to do it.

So, how are you talking to yourself? About your job? About your finances?

If you’re speaking negatively to yourself and into the universe, you can expect negativity in return.

To cultivate lasting wealth—both inner and outer—we have to start talking positively to ourselves.

How do you do that?

I like to start with positive self-talk affirmations .

In today’s post, I want to talk about what affirmations are and how I’ve used them to attract money into

my life.

But first, let’s discuss what positive self-talk affirmations are.

What Are Positive Self-Talk Affirmations?

In psychology, self-talk is believed to be a combination of conscious and unconscious beliefs and biases that we hold onto. It can be either negative or positive and influences our behavior in many ways you may not even recognize.

One of the first steps you can take to change the way you talk to yourself is by building awareness around what you’re saying. This helps you start making the changes you need to take on your goals around money.

For example, if you constantly repeat negative affirmations to yourself about money, you might notice yourself saying things like, “I’m never going to have enough money to pay bills,” or “I can never seem to hold down a good job”.

When you notice that, you’re witnessing negative self-talk in real-time.

Another important thing to remember about negative thoughts is that our brains are designed to remember and hold onto the times we made a mistake or had a negative experience.

It’s common to keep replaying these negative experiences which in turn adds fuel to our negative self-talk.

On the flip side, positive self-talk helps us cultivate self-compassion for who we are and where we came from. It also helps us be more forgiven when we do make a mistake or experience a negative event.

Positive self-talk switches our narrative from “I can’t do anything right” to “next time I’ll do better”.

When we choose to learn from our mistakes, the way we talk to and about ourselves changes as well.

Positive Self-Talk Examples

Positive self-talk can take months to become habitual. I highly recommend putting these positive statements into work immediately.

Some of my favorite positive self-talk examples include…

"I forgive myself for any past mistakes”

"I’m a deserving human being”

"I love myself for who I am”

"I have permission to change my mind”

"I trust myself”

"I have the strength to make my dreams come true”

"I am proud of myself for even daring to try”

Anything you can think of that is a positive affirmation for making money is a great way to improve your roster of positive self-talk statements.

Flip the script and think positively about yourself by embracing the opposite of what your negative thoughts tell you.

Now that you have the basics of positive affirmations, let’s take a closer look at money-specific affirmations you can use to attract money by the wheelbarrow full.

My List of Positive Money Affirmations

I’ve spent most of my life learning how to use money as a tool to make my life and the lives of the people around me, better.

A big part of that process has been using positive money affirmations.

Just like positive self-talk affirmations, money affirmations help you focus on the positive aspects of your finances.

If you find yourself saying negative things about your finances, you’re preventing a steady stream of money from coming to you.

For example, maybe you find yourself saying something like…

I’ll always be broke

I won’t ever get out of the cycle of living paycheck-to-paycheck

Retirement is a pipe dream I’ll never experience

I won’t ever have enough to survive

Money is evil and it’s never been anything but a challenge

I don’t know how to manage my money

Each of these statements reaffirms a negative bias you have surrounding money.

So, let’s put an end to these negative statements.

And when you do, I promise you’ll notice an uptick in the money you have in your bank account. If you pair your affirmations with hard work there is no doubt in my mind that you’ll experience greater financial abundance.

Here are a few of my absolute favorite positive money affirmations:

Abundance is heading in my direction, and I know it

2. I fully accept that prosperity is what I deserve

3. I deserve as much money as I desire

4. I will no longer stand in the way of my financial goals

5. Money comes to me in unexpected ways

6. I am fully open to any way of receiving wealth

Put Your Positive Self-Talk Affirmations Into Practice

Money is well within your reach.

You just have to believe it.

Try just 1 of the affirmations I shared with you above and say it every single day.

Over time, add another, and another until you’re constantly saying positive things about money.

As you do, your attitude surrounding money will change as will the number in your bank account.

Positive self talk: trash vs. treasure

julie@juliemurphy.com (Julie Murphy) — Fri, 15 Oct 2021 17:30:30 GMT

I talk a lot about dealing with the crabs in your bucket. Their negative words, actions or overall vibe can do some serious damage to our self image, dreams or big goals. The crabs like to tear you down by making jabs at the progress you’ve made, constantly attempting to knock you back down to their level.

Sometimes, though, we may be our own worst crabs. And I think that this has a big part in how we speak to ourselves. Our self talk is the gateway to what our future could hold. So often, we speak things into existence. If we tell ourselves that today will be a bad day, than it most likely will be. If we say we can’t go back to school to get a graduate degree, we’ll never even attempt it.

So, how do you talk to yourself? About your body? About your job? About your finances?

Speaking negativity into the universe nets you negativity in return. Cultivating wealth – inner as well as outer – can only happen when starting talking treasure instead of trash.

Action step

Take thinking positive a step further this week. When you have a positive thought about yourself, say it out loud. When someone gives you a compliment, thank them by repeating what they said to you. This opens you up to receiving.

Instead of “talking trash”, speak only treasure into your life. It may feel weird at first, but keep on speaking it into your life. Eventually, those positive words will turn into positive action. And those actions will be the foundation of creating the life of your dreams.

How Do You Make Conscious Financial Decisions?

julie@juliemurphy.com (Julie Murphy) — Wed, 13 Oct 2021 16:26:02 GMT

Did you know that your subconscious mind is the size of a beach ball and your conscious mind is the size of a ping pong ball.

The problem is, This is where most of us are making conscious choices on a daily basis from only 5% of our actual brain.

So therefore, when you are responding to the world around you, 95% of that comes from your subconscious mind.

There are subconscious patterns that we repeat over and over again without even realizing it. These patterns can be changed if we learn how to address them head on.

So many of us need to address the issues that are going on and playing havoc with us year after year after year. So if you're running around in a circle, not accomplishing the things that you want to and you have no idea why you keep repeating these patterns, well it's time to address that subconscious mind, and start creating Heart and Brain coherence.

Action Step

Take some time to listen to your heart. What do you truly desire. When we meet the needs of our hearts while making smart financial decisions we bring our heart and brain into coherence. Next time you are making an important financial decision, take some time to thoroughly analyze whether or not the decision feeds your heart.

Your health, your happiness, your money

julie@juliemurphy.com (Julie Murphy) — Tue, 05 Oct 2021 17:30:29 GMT

In our Western society, we most often equate happiness with material things. And we devote our professional and financial lives to growing that happiness exponentially. We’re working so hard to be materially happy that we neglect ourselves, and our health begins to take a bit of a dive.

So what is the Western way when we have an ailment? Find a quick fix. There’s a reason why the pharmaceutical industry has exploded; we want to pop a pill to conceal the pain which does very little (if anything) to fix it. With drug stores on every corner and over-the-counter pain killers outnumbering the produce sections of grocery stores, we have been trained to cover up the pain and not treat the root issue.

What does this have to do with your money?

The short answer: everything. If good health is the root of our happiness, yet we are focused on outer things to make us happy, where does that leave us? And where does that leave our true selves? It leaves us confused, unhappy and starving for something – anything – to fill the void.

So you continue to spend on the things you hope will make you happy. And as you build a financial life filled with worry and uncertainty, you hope that one day things will change for the better. That you’ll find the health and happiness you’ve searched for.

Action step

I believe that health and happiness go hand-in-hand; if you are good in one of those areas, you are most likely good in the other. This week, focus on being happy. When everything seems awful and all you want to do is complain, find something to celebrate.

Happiness is a choice and it’s one that you must make each day. Once you get your happiness in check, you’ll begin to fall in line with your health. And then your relationship with money will change for the better.

Wake Up To Your Wealth

julie@juliemurphy.com (Julie Murphy) — Fri, 17 Sep 2021 08:44:50 GMT

Wake up, it's time to start living your best life. I'm here to help you with one of the most important parts... your money!

It is time to wake up and realize how wealthy we are! We can awaken our wealth by realizing that everything in life is an opportunity for us to grow, learn, and experience joy. We are so blessed to be alive on this planet earth at this very moment in time.

You are a spiritual being having a human experience. You have been given everything you need, and more, including the ability to tap into your own subconscious wisdom. This is called intuition or your gut feeling. There is no such thing as luck. The universe conspires in your favor to watch you succeed and it will provide what you need in order for that to happen !!!

We all have a deep-seated desire for wealth. Yet it is often the case that we are not fully aware of our own potential to be wealthy, because we don't know what wealth really looks like. We may see it as money or material possessions, but in reality, true wealth comes from within you. It's your inherent ability to tap into your inner power and create everything you want out of life.

TRUE WEALTH includes all things: money, relationships, health etc., so take steps towards achieving your goal of living a wealthy life with abundance now!

If you want to find your true wealth and tap into it, we invite you to join us for the 21 day challenge. This is a program that will help you overcome any limiting beliefs or mental blocks that may be holding back your inner power from manifesting what's most important in life.

Once those blockages are cleared, then nothing can stop you! We're excited to see your break throughs and see you live out your fullest potential - starting with becoming aware of how much money you've always had inside you waiting to come out.

Join us for the 21 Day Wake Up To Your Wealth Challenge by clicking the button below...

Embrace Inspiration

julie@juliemurphy.com (Julie Murphy) — Tue, 24 Aug 2021 11:06:45 GMT

Have you ever found yourself wanting to do something, but not knowing where to begin? Maybe you have the skills, the passion, the drive and the chops to write a book, but you have absolutely no idea what you want to write about. Or maybe your current job no longer suits your personality or needs, but you have no idea what else you would do instead.

Believe it or not, this is a good problem to have though many people get too caught up in the “not knowing” to embrace the massive opportunity. But before I get into the advantages of this situation, I first want to dissect the psychology behind it.

Back in 2004, psychologist Barry Schwartz published a book called The Paradox of Choice where he argues that the more choices one has, the more difficult it is for one to make a choice. Schwartz even goes so far as to say that current abundance of choice we as Americans are experiencing may be leading to depression.

Does this ring true in your life? How often have you left a store disappointed because you could only get four items and not six? Or maybe you’ve felt that pull of longing while you’re on your final days of vacation because you couldn’t visit all the places you wanted to.

For some people, having a lot of choices can be so overwhelming they choose to do nothing. That’s right; not changing, evolving, improving, moving forward or taking a risk is more appealing because the number of different routes one could take is so intimidating. And that brings us back to you. Being inspired is a beautiful thing, but not knowing what to do with that inspiration can lead us to a place of inaction. Let’s change that.

Action step

Whenever you feel yourself settling into frustration, anxiety or even sadness about not being able to act on your inspiration, tell yourself that you are one of the lucky ones. Why? Because you are inspired to do something specific (like changing careers or re-entering the workforce after having your baby) so you already have a starting point. Even more importantly, you have already eliminated a vast number of options.

So when that next bout of inspiration hits, be both open to it and seek out ways to continually cultivate it at a higher and higher level. Always pay attention, because inspiration may come from the place you least expect. And although you may not know what exactly to do with it, know that it’s there for a reason. Embrace the feeling, utilize that moment to do something association with it and stay optimistic.

When you feel it in your gut, dig deeper and take it as a sign that you’re on the right path.

Let Go of Disappointment

julie@juliemurphy.com (Julie Murphy) — Thu, 19 Aug 2021 21:19:32 GMT

Every season of your life brings in new adventures that are exciting but can often be a time of uncertainty. Moving away from your hometown, changing careers, getting married or other exciting life milestones feel like they should be filled with unbridled happiness, but many times end up less than the perfect scenario we envisioned on our journey.

Each time we set out to achieve a new goal or realize our dreams, we’re met with disappointment at various points on our path. Just because things don’t always go as planned doesn’t mean you should abandon your hopes of ever being successful. Learning how to deal with disappointment along the way is just as important as the accomplishments you seek.

The things that are most worth it in life – whether it be love, a dream career or being parents – rarely come easy. There will always be struggles, no matter how good you may have it. But those that are most successful know how to keep those struggles, both the everyday annoyances and more significant disappointments, in their place.

What does that mean? When thinking of a traditionally successful person, what comes to mind first is probably someone who has little-to-no debt with a job they love and a perfect marriage. Let’s get one thing straight: no one’s situation is perfect. So let’s redefine success for a moment. Why don’t we stop viewing success as achieved perfection and start viewing it as thriving within imperfection.

Keep in mind that stressors and struggles are a part of life for everyone despite the appearance they may show the rest of the world. Emotional disappointments will weigh you down sometimes. Emotional clutter can definitely disrupt peace and serenity. But emotional clutter and disappointment don’t have to keep you in a negative state.

It’s easy to let the disappointment you experience along your journey to keep you in a negative space. Dwelling on the bad is so simple when the good feels like it’s few and far between. Instead of focusing on the negative and kicking yourself for not being as “successful” as those around you appear to be, embrace the imperfections and start learning to thrive despite them. Or even because of them!

Action step

We will all face disappointments in our lives – no one is immune to bad days, tough times and the struggles that come with being parents, spouses, offspring and working adults. Lucky for you, the choice of whether those stressors will tear you down is completely up to you. Will it be hard make the choice to thrive some days? Absolutely. But remember that those continuing to take steps towards an authentic life – especially during the hard days – will be some of the most fulfilling moments one can experience.

It’s time to let go of disappointment: with your family, your friends and especially with yourself. If you are carrying so many burdens on a daily basis that it is weighing you down, let go of some of those emotional disappointments. Clear the emotional clutter and create a space of acceptance and tranquility to allow yourself to fully connect with your inner desires. Doing this is the most rapid way to allow your authentic self to come to the surface.

Change Is Coming

julie@juliemurphy.com (Julie Murphy) — Tue, 17 Aug 2021 06:14:07 GMT

I don’t know you personally, but I have an idea who you are. You’re a parent, teacher, spouse, sibling, and your family mean the world to you. You are a professional, and you want your job to feed you both literally and figuratively. You are committed to creating a better, more fulfilling life and you know that a part of that means improving the financial situation you are currently in.

And I know one more thing about you: you may be ready to make a change. A big change. One that will take you on a journey towards the life of you dreams.

I get it. I’ve been there. I know what it’s like to know there is more out there – to know that, although my life is find just the way it is, I am capable of more – but feeling overwhelmed and terrified at the thought of shifting. Opening up a finance firm with an emphasis on emotions and a loft office? Not too many people in this business thought it was a great idea.

But I knew my strengths; I was certain that the lessons I learned while on my own personal journey to financial fitness could help people, so I took the risk and made the change.

Although I believe the best time to for a new start could be any time, the New Year gives us all a chance for a clean break from old habits and a fresh start for the new, healthier ones. So what does that new beginning look like for you?

Before we dive into that, let’s do some troubleshooting up front. Sometimes we get down on ourselves – when one area of our lives is out of harmony, everything else all of sudden doesn’t look or feel so great either. But not everything in your life needs an overhaul. As tempting as it may be to see everything that’s wrong and plan to change each and every thing on that list, that isn’t the best recipe for success.

To be truly successful in the realm of long-term change, you have to have both the desire to change and the capacity to accept where you are right now. Accepting where and who you are right now is crucial in not only making improvements, but also learning to love exactly who you are.

Action step

And that’s the big secret to making lasting changes: loving yourself every step of the way. Why? Because you’ll hit plateaus. You’ll face obstacles. You’ll get scared, confused and down on yourself and your progress. But having that foundation of loving who you are – regardless of what the world says you are supposed to be – will stay with you as life ebbs and flows.

This week, determine the spots in your life that could benefit from a new beginning or a reconfiguration. Break those areas of your life down into steps you can take and find a way to devote some time every day to work towards those goals. Remember that things won’t change overnight, but you will and you can.

A Reason To Celebrate Today

julie@juliemurphy.com (Julie Murphy) — Thu, 12 Aug 2021 19:50:22 GMT

When you look over the past twelve months, what is the first thing you feel? Joy or frustration? Accomplishment or disappointment? Excitement or dread? Or is it a combination of two or more of some opposing feelings?

Life is peaks and valleys, so it’s completely normal to look back on your past and have mixed emotions. Bad days, weeks or months eventually make way for the good times. Taking all of that into account results in a year recognized only in moments – major moments that changed your life for better or worse.

Whatever it is you are feeling now about the past, present and future, I want you to take a moment to do these three things: make peace with it, embrace it and plan to either grow or change it. If you look back on the previous twelve months and only see a succession of choices that resulted in negative outcomes, make peace with it.

Maybe you lost your job. Took a big risk that left you in the red. Went through a nasty divorce. Lost a loved one. Whatever happened, find a way to make peace with it. If you’re still struggling to get back up from bad experiences, don’t get too down on yourself. We all heal at different paces. Remember, life isn’t a race. Take the time you need to lick your wounds. Cry. Get angry. And when you’re ready, make peace.

And not just with yesterday, but with today. You wanted to drop the baby weight last year but it didn’t happen. That’s okay. Look in the mirror and remind yourself that you are just fine right now. You lost your job and you had to take a few steps back with your new one. That’s alright too. Maybe you need to be in this place, right now, in order to get to where you are truly destined to go.

There really is no better time than today to embrace yourself for exactly who you are at this moment. Waiting to like yourself, treat yourself well or do nice things for yourself until you reach a goal isn’t the way to go about self-improvement. If you really want to improve who you are, you must first love who are right now. Only then will whatever plans you make for the future be a lot more fun to attain.

I always encourage taking an inventory of your life, especially during times of year when it makes the most sense. So whatever your goals for the future may be, you’ve got to make a lifestyle change. Even if it’s small things every day, it’s better than doing nothing and just wishing things were different. No more shame, blame, judgment or guilt. This is why I stress embracing exactly who you are right now while also making peace with your past. If you aren’t in your own corner, who else will be?

Action step

Right now is the best time to plan for tomorrow, to make peace with yesterday and to bask in the beauty of today. Who you are today – this season, this week, this month, this moment – you won’t ever be again. Your happiness won’t look the same. Your struggles and your fears will shift. Your life will be different. With that in your mind, do you need a better reason to celebrate today?

And that’s what I want you to focus on. Celebrate the joys you’ve experienced this past year while also accepting the struggles you had to fight through. Be proud of yourself for making it this far in your personal, professional, spiritual and financial lives. But most importantly, embrace exactly where you are right now. It’s the best thing you can do for your past and the most advantageous thing you can do for your future.

Remember Your Self Worth

julie@juliemurphy.com (Julie Murphy) — Tue, 10 Aug 2021 10:39:19 GMT

As an adult, it’s easy to slip into a few bad habits – especially as we get older. Routinely eliminating “me” time is one of them, as is not making regular trips to the dentist or putting your health on the back-burner. But there’s one thing that we all do that puts quite a strain on our lives: compare ourselves to others.

You’ve been there. Your friend’s husband gets a big promotion, and their entire life is “upgraded” as a result. Maybe your sister moves into a bigger home in a nicer neighborhood. Or your neighbor joins a gym and loses 20 pounds. All of these are great things for the people in your life. So why do you feel so…discouraged? That one’s easy.

When you compare yourself to others, you are creating an environment rife for resentment and sadness. You are no longer grateful for what’s happening in your life and can only focus on where you are lacking. Eventually, those feelings graduate from the material shortcomings you start out with; eventually, you start to belittle who you are as a person.

Comparison is the thief of joy ~ Theodore Roosevelt

We all know this to be true, yet we still use other people’s successes (and failures) to measure our own self worth. Why do we do that? Why do we continue to berate ourselves by comparing our failures to others successes?

And, most importantly, how do we stop ourselves from sinking into a deep hole of harsh comparisons?

Action Step

I know it’s difficult, but one of the best things you can do for yourself is to invest in you. Focus your energies on improving who you were yesterday and striving to be the person you want to be tomorrow. Eliminating comparison will usher in a wealth of joy, peace and love into your life.

Whenever you find yourself slipping back into compare mode, remind yourself that you, too, have a great successes in your life. Comparing yourself only diminishes the things you’ve accomplished. Be proud of what you’ve done, but also be grateful for what you have. And if you must compare, remember that only two measuring sticks matter: the one you use to measure who you were yesterday, and the one you’ll use for who you want to be tomorrow.

No Longer a Victim

julie@juliemurphy.com (Julie Murphy) — Tue, 03 Aug 2021 07:46:24 GMT

Ever felt victimized by life’s tough breaks? I know I have. Seeing the successes other people are racking up while you continue to struggle with things that, theoretically, should be simple by now? It’s a bad feeling.

Unfortunately, there isn’t much you can do about unforeseen circumstances. Getting a flat tire on the way to the most important meeting or interview of your life. A medical problem blindsides you – and your bank account. You were picked over for the promotion that had your name written all over it.

Life can definitely throw you a curve ball and sometimes you don’t have nearly enough time to duck.

But you know what we can control? Our outlook. Not just our feelings on that one specific moment, but how we handle the stressors and setbacks. The first thing you need to come to terms with is this:

You are in control of your life: your journey, your emotions and your destiny.

The amount of power and say we have over anything or anyone else but ourselves is marginal at best. But us? Our outlook? Our opinions? How we handle conflict? That’s all our responsibility.

So if you’re wondering when you’ll get your chance at happiness and success, guess what – it’s here. Right now. You can decide to be happy and successful immediately. Today. At this very moment. What does that look like? It could be anything. Maybe it’s spending half an hour working on your hobby, cooking your favorite meal, spending time with your kids or just getting a massage to take care of you.

Action step

Despite what society will tell you, success doesn’t have a hard-and-fast definition. There isn’t a dollar amount, job title or address that will let you know that you’ve “made it.” That’s entirely up to you to decide, and it doesn’t have to take you 20 years and an early tropical retirement to get there. It’s time to determine exactly what it looks like for you.

But before you can choose to be successful or happy, you have to let go of a few things. First, the triggers. Anything that puts you back in a negative, counterproductive mindset must go. Next is any negative self talk you delve into when things are going wrong. That has no room in your life, especially the successful and happy one you are building right now.

Finally, you must let go of being the victim. Your setbacks do not define you. Your weaknesses do not have to bring you down. And you are most certainly not the victim of your circumstance. The difference between those people getting all of the luck and opportunity and you is that they have taken responsibility for their happiness. They do not allow feelings of being victimized by their surroundings to stop them in their tracks. The know they deserve happiness and success, and they don’t wait for others to give them permission for it.

Realizing that you are capable of exactly what it is that you desire in life – even if it’s something as intangible as success and happiness – is what will turn your current life into your dream life. Go ahead. Give yourself permission. And be the most authentic, happy and successful person you know you are destined to be.

Good Things Come to Those Who Act

julie@juliemurphy.com (Julie Murphy) — Thu, 29 Jul 2021 17:23:25 GMT

Good things come to those who wait.

We’ve heard it. We’ve used it on our kids. And we may have even practiced it ourselves a time or two. It’s a quote on patience, and it’s quite a valuable one.

But it’s not always necessarily true.

Depending on the situation, patience is great. It helps us pass the time during the mundane; distracts us during things we dislike; and survive the moments we feel like we won’t make it another ten seconds.

When it comes to our lives – specifically, our big and important goals – we eventually have to stop waiting and start doing.

For those of you afraid to take that jump, I understand. It’s one thing to put yourself in a position to pursue the things you’ve always wanted. It’s a totally different situation to actually change your life. Why? Because funneling away a few hundred dollars a month doesn’t drastically change your life. Neither does going to a few networking events a month or even an extended vacation to test out our idea.

No. The real change – the scary change – comes when you have enough money saved to quit your job and open your restaurant. Or when your graduate school acceptance letter comes in the mail and you have to decide whether to actually do it or not.

Action is an ongoing process. It doesn’t eventually just fade into the background as you achieve the goal. And that’s mainly because goals aren’t one-dimensional. Once you hit the goal, you get there and realize that there are other steps you need to take once you’ve gotten there. Namely – the steps that appear when you’ve reached the top of the hill and realize there’s a mountain behind it.

Action step

Ideas are great. Dreams are even better. But the only thing that will net results is action.

With that said, you should be so proud of yourself at this moment because you’ve laid a solid foundation for those dreams. Not only have you gotten the material things in order to make your authentic life truly possible, you’ve rewired your mindset. Now, you know what it takes to make this happen because you’ve done it. You’ve proven to yourself that you can accomplish things that are outside of the box. The next step, however, is the real game changer.

You’ve put yourself in a better position to achieve your goals. You feel positive, energetic and encouraged by the changes you’ve made to improve upon your life, but something’s missing. The opportunities and breaks don’t seem to be presenting themselves. Stop waiting and start pursuing. Good things come to those who take action. Set your sights on what you desire and go for it!

Happiness Starts From Within

julie@juliemurphy.com (Julie Murphy) — Tue, 27 Jul 2021 05:39:41 GMT

Happily ever after. It’s usually attached to a fairy tale. A prince charming. And an ending wrapped in a bow. But real life isn’t always that simple, and reality can make even the best situation seem unbearable at times.

So, we eat. Or drink. Or spend money on things that we’ll never wear, never see again and frankly just don’t want. Because swiping the credit card for that new dress is easier than dealing with the real, underlying issue: our unhappiness.

When we aren’t happy, we tend to look around us at the external things in our lives to find happiness. But we must remember that happiness isn’t defined by stuff. The material things you own have nothing to do with what’s truly going on inside.

What we often fail to do is look inward to get to the bottom of our unhappiness and learn to rely on ourselves to manifest our ideal life. That’s right: when we’re unhappy, the only one that can’t change that is us.

You have to be happy on your own. There isn’t a shortcut. But it is a choice. When you choose happiness over anger, peace over discontent and self love over self loathing, you open yourself to life’s great pleasures. It helps you see the opportunities in front of you. And it helps you discover your true and honest authentic self.

Action step

When was the last time you bought something out of frustration? Anger? Sadness? I bet I know what happened when you got home: disappointment. In yourself and the way you acted. And now you have this new thing that was supposed to make you feel better, but you now resent.

This is no way to live. You deserve a life filled with experiences that feed you, a job that empowers you and material things that are just additions to a reality you already love.

Choose to accept that your happiness depends on your outlook, your actions and your willingness to make the best of each day. Once you decide to be happy – regardless of what you do or do not have currently – everything else will fall into place.

Happiness is Not a Finishline

julie@juliemurphy.com (Julie Murphy) — Thu, 22 Jul 2021 05:20:24 GMT

You’re stuck. Maybe in a job that you don’t like. Or in relationships that are toxic. In a physical space that drains you. Or pursuing something that once fed you but now depletes you.

You are stuck. And it sucks.

Because you worked so hard to be unstuck. To be free of chains and negativity. To not rely on outside sources for your internal happiness.

But here you are. In a position that you find unfulfilling, depressing or maybe even maddening. And you ask yourself time and time again:

How did I get here?

To a place where you wish you could reach for rose-colored glasses. To a stage in your life that you weren’t prepared for. To a mindset that you know won’t help you climb out of the negativity.

But here you are, anyway.

It’s not where you want to be. You hope and pray that it’s not where you need to be. Your friends tell you it’ll pass. Your spouse tells you it’ll be okay. Your parents tell you to stop complaining.

But what are you telling yourself?

All of those other voices are both encouraging and frustrating. You want them to understand that you feel low even though you worked so hard to feel high. You need them to see that your pain is real, your confusion is disorienting and your options are limited. And you try to explain that it’s not self pity, it’s a rut.

We all get stuck. And it usually happens when we wake up in our happy lives one day and realize that we aren’t that happy. We’ve been going through the motions waiting for things to improve. We’ve been taking the easy way out because we didn’t want to change the status quo. And we were doing things that we needed to do in order to maintain a level of happiness – well, at least, what used to make us happy.

So how did we get here? And most importantly, what do we do? Step away from it all: your friends’ sympathy, your spouse’s kind words, your bosses’ encouragement and, most importantly, your negative self talk. Why? Because none of that can help you.

What I mean by that is, they can’t help you the way that you can help yourself.

Why, you ask? Because although other people love and care for you, your compelling reason to change can only come from you.

I have been there, friend. I know what it feels like to fight for the life that you will love living and to not take “no” for an answer. I know how it feels to achieve those big goals – the dreams that stayed up all night to make happen – and how accomplished it felt. And I also know how it feels to finally come to a place of peace and contentment, only to have it eventually turn into an unsettling type of comfort. A comfort that only happens when there is no more growth. A type of comfort that festers and overstays it’s welcome. A level of comfort that only happens when it’s time to change.

Action step

Begin to separate your attachment to your comfort zone by searching for your compelling reason to change. And what better reason is there to change than being unhappy? Yes, this was your dream job, but it’s not it anymore. Sure, she was your best friend for ten years, but you’ve grown apart. And the dream house that you loved so much when you first bought it is now just a roof, four walls and a mortgage.

But guess what? That’s okay. You’ve reached a new level of growth in your life, and it’s time to evolve. Figure out what your dream is now, and go find that job. Enjoy the hobbies that have piqued your interest lately and build new relationships. Get a new house, and truly make it your home.

During the course of our lives hobbies, priorities and passions develop, change and transform depending on where we are and what our current realities are. Sometimes what fed our souls ten years ago is now something that brings a great deal of negativity to our lives and has us feeling stuck. And if you’re feeling this way now, it’s okay. Just remember to keep relentlessly searching for the things that serve you, hang on to them and then let go when they no longer do. There is nothing more powerful than you taking the reins of your life.

How to Use Fear as an Opportunity to Grow

julie@juliemurphy.com (Julie Murphy) — Tue, 20 Jul 2021 04:39:01 GMT

I am a firm believer in all areas of your life being aligned around your central pillar: your authentic self. But many of us put money at the center of everything. Every choice. Every worry. Every fear. Every thing is dictated by how it will affect us financially.

I don’t need to tell you what the result of this is. You’re unhappy, unfulfilled, constantly stressed and rarely at peace with any aspect of your life. It’s funny how placing money over everything else can bring on so much mental and emotional strife.

So, how do we stop doing that? How do we stop choosing a life that will only lead to ulcers, headaches and a never-ending feeling of dissatisfaction? I can’t give you a road map to eternal happiness, but I can give you a suggestion of a place start. Maybe it’s time to start facing the fear.

You see, we so often look at fear as the number one indicator of things to avoid. Thinking about applying to law school but the loans and job prospects scare you? Eh…maybe not. Want to move across the country to pursue a job that will lead to bigger, better things? But you can’t leave your family behind! Thinking about losing weight but the thought of stepping into a gym terrifies you? Well, maybe after you lose a few pounds first.

But fear doesn’t always look or feel like jumping out of a plane with a faulty parachute or quitting your job as CEO to be an intern. It’s wanting to save up for your dream condo but giving into your friends’ insistence on you being available for $60 brunch every week because you’re afraid to say no. It’s turning down the dream job for a safer one because you’ll make more money. It’s buying the car you can’t afford because none of your coworkers are driving a used one like you are.

Fear surrounding money is complicated, but simple. When you’re afraid to pursue something because the financial side of it seems like it’s too challenging, you are putting your finances at the center of your life. This breeds anxiety, unhappiness and – worst of all – it’s takes you further and further away from that authentic, beautiful life you know you deserve.

Action step

Here’s an unpopular opinion: maybe fear isn’t a roadblock. Maybe fear is an opportunity for growth and strength. Or maybe it’s an indicator of great things to come. And your financial fears – of not having enough, of losing it all, of making the wrong choice – those will subside once you stop making money the single biggest factor of your existence.

This week, I want you to begin to see your fears as an opportunity to be an active participant in your life. Don’t be afraid to say no to something because it gets in the way of your financial goal. Open up your checkbook and look at what you have to put on your debt instead of paying the minimums and putting it off until next month. Or make an appointment with a mortgage officer to see how far off you really from taking out your “dream home” loan.

Most importantly, look in the mirror and be proud of what you’re choosing to face this week. Confronting our insecurities, mistakes and other missteps isn’t something we do normally or willingly, and it definitely isn’t something that’s easy or fun. Allow yourself to celebrate in each and every step – no matter how small. Every tiny goal you achieve brings you that much closer to the big one.

How To Fund Your Dreams

julie@juliemurphy.com (Julie Murphy) — Thu, 15 Jul 2021 06:53:23 GMT

I’ve talked a lot about what it means and how it feels to be a dreamer. Sure, there is some negative connotation with constantly having new ideas about what you want. But as I’ve said before, no dream is idle. You are one of the lucky ones. You have both the energy, the openness and the creativity to allow dreams to manifest within you. That’s why I want to discuss the money behind the idea.

As much as money affords opportunity, I believe that you can turn the money you have right now and get started creating your own opportunity. Dreaming and pursuing those dreams shouldn’t be reserved just for the wealthy. You’re not rich? That’s okay. I wasn’t either when I decided to open my own financial business. You just need to be practical and smart with where you invest your time and how you save, spend and invest your money.

Find the root of your dream

Think back to your childhood and teenaged years, and think about the things you did with no prodding from mom and dad. Like the dance classes you couldn’t miss or the instrument you played all through middle school, high school and college. As we get older, we look back on the things we did in the past as child’s play. Maybe, however, they’re more than that. Your dreams now may be rooted in the hobbies you had when you were younger; the key is to look for what used to make you giggle.

Take some time to explore where those big ideas are coming from. I’m not saying to put those ballet toe shoes back on, but there are many ways you can get involved with that industry and be around what you love daily. Be open-minded and follow your pursuits to wherever they may take you, then watch as your personal judgement begin to rise. Let it come up, then release it. This allows you to move forward and not repeat the patterns that have kept you stuck for years.

Seek out as much financially stability as possible — or don’t!

No matter how small and seemingly insignificant, taking a risk is pretty scary. Pursuing your dream – even if it’s as “safe” as can be – can be incredibly intimidating. You know what you want to happen, but you have no idea if chaos will ensue along the way to success. Trust that when you follow your personal intuition, all will fall into perfect alignment.

Being financially stable while making these types of moves is rubbish. Clear up your past, while living in your current reality today and create that dream for your future, simultaneously.

You know the saying “You’re never going to be financially ready to have a child. Just do it and it’ll all work out.” Well, your dreams are the same. If you keep getting ready to have enough savings before you move forward, you’ll never do it. There’s no time like the present.

Automate your bills and other accounts whenever possible

And the best way to make sure your past and present stay in line? Automation. Technology today makes it possible to stay on top of our finances with very little manual upkeep. Spread out all your monthly bills and income – this is a great exercise on its own – and research your payment options. Most banks will allow you to transfer money directly from your check to the necessary source.

Taking responsibly of your dreams also means doing the same with your financials. Create a situation that both allows you to build wealth while also building your dreams. You already know what excites you. Now, take action. Start with something small like $10 a month into your “dream bucket” and watch the shift begin. Happy living!

My Freedom

Wed, 14 Jul 2021 07:21:20 GMT

We all want freedom. The United Kingdom last month showed the world they would rather have their freedom than give into the establishment despite the fear of the unknown of what this will truly mean to them. But why is it, in so many cases, we don’t choose our own personal freedom? Intellectually we do, but in our hearts, we don’t. Why? Because we haven’t forgiven ourselves for our past choices and we’re trapped on the hamster wheel of life.

Financially speaking, our past choices usually reside in our levels of debt. Whether that be our mortgage debt, car debt, student loans, credit cards, loans to family members, etc. It weighs us down like a lead balloon, whether we convince ourselves that it is good debt or bad debt, debt is still debt. Debt doesn’t allow you to live in the present moment and makes it tough to live in the present moment and even tougher to plan for your desired future. Debt doesn’t allow you the space to be nimble. When we look at the debt we have created in our lives, we always have good reasoning for it, again, our head telling us why it’s good, but are hearts are SCREAMING for something different. Are you listening?

A dear friend of mine said to me, “Julie, I sold my house and I bought my freedom.” Many of us feel buying a house is the American Dream. It may very well be, but at least question it. The homes we buy should be more of our sanctuaries, our safe places, as opposed to our burden. Why do we make these choices? Because, we have Emotion Behind Money. We emotionally work things out or we act them out. In reality, we can’t change the past. It’s like in the movie The Lion King when Rafiki hits Simba over the head with the stick. Simba says, “Ouch, why did you do that?” Rafiki replies, “It’s in the past, it does not matter.” And it really doesn’t matter, it is what is, the past. You need to forgive yourself for where you’re at, whether it is financially, personally, or otherwise. When you forgive yourself, you will create space for the new to come in. And honestly, when the new comes in, it will in many cases surprise the heck out of you. Are you ready for that next adventure? I am…

My friend is spending her life in her 60s with 25% of her time in Seattle where her home was, 25% in Chicago where the majority of her family is, 25% in London with a dear lifelong friend, and 25% she changes annually for three months per year. What I love about how she is living is that she is not doing what she is “supposed” to do and now she is doing what she wants to do, today at age 64. She threw out all the rules we are “supposed” to live by to be successful which she did for many years. Who says we have to live this way. Why are we all following this trap? We are chasing life while life passes us by. She changed her job to be an independent contractor. Risky? Perhaps, but define risk. Risk can be that you get laid off in the next recession that is looming right now, not by your choice. Someone else decides your on the chopping block, as opposed to going out and finding your own clients. I’ve had some many people tell me through the years, aren’t you afraid running your own business when the economy gets bad. I laugh because they think they are safe with a guarantee paycheck working for someone else. Is it really guaranteed? I think not. I tell them, I could let go of everyone working at my company and I still get a paycheck if I had to. Susan, having the courage in abilities and skills she developed through the years and with technology today, she just plugs in from wherever she is at to get the job done. I never met anyone that is so happy while so many millions are stressed out to the gills.

In the process she had to forgive herself for buying the $900,000 house in Seattle. On some level she felt it was such a big mistake. She thought about all the money she spent remodeling and making her own imprint on the place, only to realize she didn’t find the happiness she expected to get. To her credit, she put 50% down payment, some cash came from the sale of her prior home in Chicago, plus some additional cash she had on hand in savings. This gave her only a $450,000 mortgage, but it was her lead balloon. She made every decision in her life based on this lead balloon. She put up with a boss that was awful to her because she needed the paycheck to pay for it. For many years she felt she was trapped in her job, in Seattle, and to this huge mortgage payment.

What was confusing to her was that she had always dreamed of living in Seattle. She loved being outdoors and really being a part of a community that really fed her soul. She didn’t realize how much the looming debt would affect her, especially for what we call a “good debt” in our society. She had a successful job that she had worked her whole career to build up to making a very healthy six figure income, but she found, it didn’t create the happiness she really desired on the inside. Why? The lead balloon, the mortgage, kept her planted and stuck in all areas of life. She didn’t travel as much as she would like because she no longer had the extra cash flow to do it, not only for vacation, but also to come see her aging mom in Chicago. I watched her struggle with that for years.

It was amazing to see her the day she decided to not beat herself up anymore for making the choice to spend all that money on the house and take on that mortgage. She had decided to sell her home, quit her job and find her freedom, but it all started with her forgiving herself for making the past choices she had made. Kudos to her, she found the courage and now is happier than ever.

Are you ready to get off the hamster wheel? It really is your choice. Make that decision for yourself. Choose you. Choose to forgive yourself for your current reality. Choose to forgive yourself for what debts you have, the financial patterns you’ve imprinted on your kids, for the crappy boss or company you put up with for years that sucked the life out of you, forgive your spouse and the patterns you put up with, and most importantly, forgive yourself for being human.

I have found once you come to a place that you are ready to forgive yourself, it’s time to build you back up to create the life you’ve want today, no matter what age you are and where you’re at in life today. Awaken Your Wealth will give you a roadmap to follow and the support you need. Coming up, I will be giving out sample chapters to get you going on creating your life, your way!! I’m honored to walk this journey with you my friends.

It’s one thing to forgive others; it’s on a whole other different plane to forgive yourself. It seems in many cases a bit more esoteric. It’s hard to look in the mirror. It takes courage to confront and grieve through the process of what you have chosen to create in your life. In the end, your freedom comes from finding that courage from deep within. Give yourself a great big hug, grieve the pile of poop you feel you’ve created and step forward. Not so easy sometimes to do this by yourself. Before my book comes out, let us support you. Create your support team around you through not only Soul Spring, but also share it with others to start to create your tribe that you can talk about it in your daily life and be on the same page. Come join me and like-minded others regularly for some of that support you need on my Facebook Page . I always say it takes a village. We are human beings not human doings. We’ve become so good at the doing part, we’ve forgot that we need the collaboration of other people to truly feed our souls.

Remember, it’s time to create our Financial Fun Time!!

Have You Had Enough?

Tue, 13 Jul 2021 05:49:31 GMT

For years, I’ve watched while we, particularly women, choose to put others needs in front of our own. When in the inside we are starving for our lives to be different than what we’ve created. Depending on your stage of life it could be different, but usually when we are starting in our 40s we start to see it differently, but by the time we’re in our 50s, we’ve had enough.

I watch as we chip away at what our soul is screaming for us to do and we still choose to do other things despite being called to another path. We get trapped by the rat race of our lives which results in stuffing down our emotions. Those stuffed down emotions either work themselves out by feeling the feelings or we act them out through our health or our wealth. We start being put on medications from our doctors, and we grieve what we know our financial lives could have been if you had made different choices.

I know it is hard to change gears, particularly as the years go by, but let me tell you how I jumped off the ledge and I am soaring because of it. In life, if we don’t choose to follow our soul’s path, your soul will choose it for you. Mine did. The other day, my husband said to me, “Julie, I love when you’re like this!” I was a bit confused as to what he was referring to so I inquired. “Billy, what are you talking about?” He said, “Every time you get to this point where you’re taking all this risk, hiring and training new advisors, getting a new book published, hiring a new business consultant, traveling to conferences, doing more corporate financial wellness seminars, spending tons of money on infrastructure, and you’re really stressed about it because you are fearful that you’ve made the right choices, you’re about to pop.” He went on to tell me that he has seen me do this about four other times since he met me 17 years ago. I never saw it before, but here I am again, jumping off the ledge because I know the work I am supposed to do in the world, and I’m taking that leap of faith and just getting it done.

In my first book, The Emotion Behind Money: Building Wealth From the Inside Out, I talk about how when we choose to change, those around us, family, friends, colleagues, will not initially really like it on some level because you are changing the status quo. On some level they feel vulnerable and many of those people will tell you all the reasons why you shouldn’t take your leap of faith. I call these the crabs in your bucket. Why? If you’ve ever seen crabs in a bucket, when one tries to climb out, the others try to pull them back down. But, if there is only one crab in a bucket, they can crawl out by themselves no problem. Moral of the story is for you to go to the next place in your world, the place of personal soulful living; you need to get the crabs out of your life.

Those crabs can be multiple things like:

Are you your grandchildren’s nanny? (never thought you’d have another full time job again, eh?)

Are you still in touch with your ex and watching him/her live a better lifestyle or a new happy relationship than you and you’re still ticked off about it?

Are you bored at your job and it just doesn’t challenge you anymore, but boy it’s a great paycheck to pay those bills though (words like this keep us trapped)?

Are you still married to that person who really is today, just not making you happy, but its familiar?

What happens when we allow these things to fester, at first they make us sad, then as the years go by we get mad, then we get angry, then by the time we hit retirement, we are full blown pissed off and full of rage of what could have been. Well, let’s interrupt that cycle…let’s choose to not be that crabby retired person. Who’s with me?

It’s not easy doing it ourselves, so let’s build up a support system. If you really want to dump that spouse, start talking to people who have had divorces that have turned out the best way possible. One just like how you’d like your outcome to be. I met a woman over the past few years that really just couldn’t be married any longer, they had a few kids together, but they just got married so young and they are different people today. Lots of family pressure to stay married, and layer her religion or old religion belief systems that have been ingrained; it was very hard for her to take this leap. She came to me and asked for resources that could help her on her journey to create a loving divorce. I referred her to two really great resources:

This is Not the Story You Think It Is: A Season of Unlikely Happiness by Laura Munson

Conscious Uncoupling: 5 Steps to Living Happily Ever After by Katherine Woodward Thomas.

Or perhaps something like this has occurred in your life. I had a client experience something recently that reminded me of what happened to a good friend of mine years ago. She gave her life to her job. Now some of you may not have given your life to your job, but perhaps its was to raising your kids so you can relate in some fashion. It was good for all those year, not great, but good enough. Then after 23 years, about to make partner at her law firm, they said to her, “unless you have a significant shift in your personality, you will never be partner at this firm.” Talk about a blow. Talk about the volumes of sadness, anger and rage that came right up to the surface. There was no way to shove it down this time, it was coming out with a vengeance. After 23 years of long days, and long tax seasons, she was dropped like a hot potato. Ever felt like that?

Good news is that the emotion came up and out which started her healing process. One of the most destructive things we can do is hold in our emotions, remember, we either work them out or act them out. And, we act them out usually through our health or through our money. If we don’t align with our purpose, and what is true for us in this moment in time, we will eventually hit a crisis point like this that will force the shift. So let’s move past the sadness, the anger, the rage or any other emotion we have by feeling them. What this allowed my friend to do was to attract a better job, more income, and a ton more time for quality of life.

We are here to support you. Join me and my community to help support you through your transition to more health and wealth in your life.

Namaste, Julie

Restoring your authority for an authentic life

Thu, 08 Jul 2021 12:17:49 GMT

People in positions of authority often talk about how much their life changed when they started saying “No.” And as easy as it seems, those two letters are often the scariest ones to utter to those closest to us in our lives. Our friends. Family members. Business partners. Coworkers.

Saying “No” is a terrifying proposition and for good reason; no one wants to let anyone else down. Luckily, there have been best-selling books, blog posts and think pieces on how beneficial and necessary it is to not just grin and bear it.

Today, however, I want to talk about something different: saying “Yes.”

You see, Yes can often be just as terrifying as No to say. Need proof? When was the last time a friend invited you to something you hadn’t tried before and you said “No” out of the fear you may embarrass yourself? Or how about a time you got a job opportunity that would have required you to uproot your life but you turned it down because the idea of losing the comfort and routine of your current job had been overridden by anxiety about starting new somewhere else with bigger challenges, new faces and higher expectations?

We all know what happens from here. You give so much of yourself to everyone and everything else that you begin to turn a blind eye to supremely important beliefs in your life. You miss the opportunity to network with someone who could help you land the job of your dreams because you feel intimidated and unworthy. You ignore your intuition and end up continuing relationships that don’t hold you up, but instead drag you down and end eventually, just messier. You let others’ opinions override what you know is right because you don’t want to rock the boat or be in conflict with people around you. You lose sight on what it was you wanted to accomplish in the first place because you let too many people into your head space without holding a desire to be authentic to yourself in the right balance.

And you hate yourself for it. You feel ashamed. You point fingers. You judge yourself. And you feel guilty for letting important things fall to the wayside. It’s a vicious cycle, and it’s time to end it for good.

Action step

Reclaim your authority. Give yourself permission to do the things that you know are on par with what’s both in your head and your heart. Say “yes” to opportunities that shake you to your core yet give you childlike excitement. Say “no” to the things that aren’t in alignment with you without feeling like you’re letting others down.

If you feel stagnant, stuck and unable to progress in your current state, consider that you may have relinquished your ability to give yourself permission to follow your authentic vision. You are not only allowed to embrace a passionate and purposeful life, you are capable of excelling at it.

Give yourself permission to create the life you desire by determining why you so quickly say no to opportunities. If you don’t like something, fine. But if you’re saying no out of fear or shame or judgement, why do you feel this way? Stop blaming yourself for where you are right now and start making moves in a new direction. Believe in your skill, talent, knowledge and, most importantly, your intuition, because the only person that can give you permission to be great is you.

How to integrate your life through self-acceptance

Tue, 06 Jul 2021 11:17:19 GMT

Welcome to 2021: the Year of Integration

The words we say to ourselves can oftentimes be much more damaging than the ones others say to us.

Ugh, we did I eat all of that? I’m so fat! I can’t believe I spent all that money. I’m so irresponsible. That fender bender was totally my fault. I’m so stupid.

Why do we hate ourselves so much? Why do we continue to put so much energy into disliking the things about ourselves that aren’t perfect?

And how do we rewrite the script?

First, let’s talk about why you’re doing this. We all have things that make us unhappy about ourselves; that’s normal. The problem comes in when we see so many ads showing us what our lives should look like. Images filled with beautiful people on fabulous vacations and luxury cars are what we should all want, right?

It’s not helpful to surrounded by friends and family with high expectations. You’re a lawyer, so you should be driving a certain type of car. You live in a specific neighborhood so you clearly can afford expensive handbags and shoes. Why are your kids in public school? Everyone else in your family sent their kids to private school. And let’s not get started on the expectations of how we should look (all while trying to be everything to everyone!).

It’s exhausting just to think about all of these outside forces and the role they play in the view we have of ourselves. These things cause us to take a look at our lives, judge them harshly, and then belittle ourselves for not having what we should have or being who we should be.

Enter the Year of Integration.

Instead of focusing on what we don’t have, who we aren’t, and who we wish we could be, why don’t we look at ourselves as human beings. We have jobs, families, worries, struggles, triumphs, pain and happiness. Does a few extra pounds make us less worthy? How about not working the job people think you should be working? Or, heaven forbid, getting swipe happy on your credit card and carrying a balance for a few months?

We all make mistakes; that doesn’t give us the right to look at ourselves in the mirror and say hateful, harmful things. That person looking back at you is trying her best to be a great parent, spouse, sibling, child, employee or employer and so many other roles.

So how about this: look at the things you don’t like about yourself as opportunities to improve yourself. Consistently pursing growth instead of focusing on what’s wrong is a way to both be the best you and to live your authentic life – and here’s bonus: doing it this way won’t make you go crazy!

And one last thing: stop berating yourself. It’s a new year, a clean slate. Your debt or love handles or whatever it is you are concerning yourself with only have power over your thoughts because you give them that. In this year of integration, fuse positive energy into every facet of your life.

Action step

The beauty of being human is how multi-faceted we all are. We have parts of who we are that we love and others we wish to improve. Don’t seek to change the things about yourself you don’t like; instead put as much energy into integrating them into your life as you would towards the things you enjoy about yourself.

The Year of Integration is all about self-acceptance and wholeness, not a complete overhaul. Where you see negativity in self-reflection, there’s opportunity to use it to your advantage. Take this time to grow and find harmony. In 2021, resolve to integrate your life.

Your Mindset Creates Your Reality

Thu, 17 Jun 2021 05:45:36 GMT

If you’ve read my book or any of my blogs, you know that I passionately believe in, and encourage you to harness the power of your money mindset. It is true that what you put out to the Universe is returned to you.

I’m overcome with joy when I see someone else experience these abundant moments and share them with the world, thereby planting more seeds of empowering shift.

I was inspired when I read this post by Jenn Dieas, Founder and President of “Glowout – A Golden Girl Salon”. She truly manifests the power of this message.

You may have your fearful moment, lament about your struggle. But once you focus back on your strength and let the world know you’re ready to embrace it, things change.

See how Jenn pulled herself from fear to power, and the financial win she experienced from creating that shift for herself. Read on, and unleash your inner Glow Getter!

jenn-dieas-post-jmc“MO MONEY MO PROBLEMS” After a slightly panicked morning with a bunch of money worry I decided to take a walk and move some stress out of my body. I had a major pep talk with myself about money. Like “girl you’re a badass mofo you got this ok.”

I grew up with a mom who was always hustling someone and a lot of those hustles weren’t so legal. I watched that become the cause of us living in shitty motels out of our duffel bags. That stuck with me. I promised myself I’d never not walk the straight and narrow, honest line.

After my walk I headed to work to grab some things and notice I left an old purse in my office. I open it up and BAM $300 of my tip money is inside. Cha Ching! I’m reminded once again that my mindset creates my reality. #zenjenn #shiftshappen

~ Jenn Dieas, August, 2016

Financial Fears: Time to Let Them GO….

Tue, 15 Jun 2021 11:20:56 GMT

Who’s got them? My guess is most of us. They come and go over time, sometimes with more intensity and sometimes less. Why? This comes from our past conditions in the families and communities we grew up in. We learned emotional response systems from those we started our lives with and continue to attract those that reinforce those belief systems. We’re more stuck in our daily groves, with the appearance, that it is harder and harder to change the more time flies by. I’m here to tell you, anything can happen, no matter what age you are, how many failures you’ve had or how many people are counting against you. All you need is the real you to show up…and to recognize why these patterns keep persisting in our lives.

Think of it like this, years ago, I was watching TV. I was watching a cooking show. Not one with a huge celebrity chef cooking, but a show that brought in everyday people to share their family favorite recipes that had been passed down for generations. This young woman, in her early 20s, was picked and she was so excited to share her great grandmother’s baked ham recipe. As she prepared the food live tv she was very methodical going through things step by step. The host that day asked her, “Why are you cutting both ends off the ham before you put it in the oven?” The young woman responded, “I’m not sure, that’s just how we’ve always done it in our family.”

As she continued preparing the ham to go into the oven, the host was still perplexed as to why she cut off the two ends of the ham, and then tossed them into the garbage. The host challenged the young woman. She said, “Can we call your mom why you cut off the edges and throw them away?” Of course, the young woman agreed. They called mom and she said, I’m not really sure, let’s call grandma. “Grandma, can you tell me why we always cut off the ends of the baked ham when we do our family recipe?” Grandma stated, “I don’t know, that’s just how my mother taught me.” Her great grandmother was still alive and the host asked if it would be ok to make this third phone call to great grandmother to solve the mystery.

Great grandmother was happy to take the call, at age 92, and said, “Oh sweetheart, I cut the ends off the ham because the pan I used for years was too small to fit the whole thing.” Can you believe it? Really! Four generations this recipe got passed down and they were cutting off the edges of the ham and throwing them in the garbage all because great grandmothers’ pan was too small. Crazy!! This is a simple example of how patterns stick in our lives and we don’t even know why and ask if the reasoning is even relative to today.

So what does this have to do with our financial fears? Our fears are the same way. The conditioning that we have learned from past generations stick with us and most of it isn’t our stuff to begin with, but this is how we learned to emotionally respond to the world and how we handle to our financial world daily. Some cultures don’t believe in banks, they use currency exchanges to cash their checks. Some cultures like to keep wads of cash in their house because they lived, or their past relatives, lived in a period of time when it was not safe to put money in the banks, particularly in eastern Europe during the communist phases of history. And I could go on and on about how these fears have impacted behavior in many other cultures and how it impacts how we interface financially today. We all have them, the question is what are yours and are they supporting the life you, and only you, want to live today?

Realize our financial fears really don’t come from our money. Money is one way we act out our unprocessed, unfelt, emotions. Remember, Einstein proved that energy is neither created nor destroyed it just changes form. So, if you have an emotional charge about something, a fear, and you don’t directly address it at that moment in time, the energy either gets stored in your body or exits your energy field some other way. The level of debt in our world today is the proof in the pudding that we are NOT processing our emotions in real, present time. We’ve been taught to be polite, don’t do this, don’t do that, be politically correct and all this stuffing in, is acting out with our spending. We are creating debt, and huge levels of it. You see this on the personal financial level, corporate, non-for-profits, and governmental financial levels, it’s everywhere. We are in over our heads and this too will come to a striking halt at some point if we don’t address why it’s being created in the first place. So much of it is fear driven. Fear of not having what someone else has. We are expressing fear of being rejected, and not being accepting by society’s norms, regardless if it’s really important to us or not. We’re caught up with what is outside of us, instead of focusing what is true for us in the inside.

You may have convinced yourself that you only have “good debt”. Debt is like a venereal disease, never really actually good and once in the cycle, it never really ever goes away. I have plenty of financial experts in my field that would completely argue with me on this point. They would say something like, well, if I’m paying 3% on my mortgage and after the tax deduction on the interest, I’m really only paying out 2%, why would I not put more of my extra cash into something that makes more return? From a pure financial standpoint, this is correct, but if we don’t look under the hood what motivated to have that debt in the first place, you will stay in a trap that is really hard to get out of, it becomes a debt living lifestyle. We keep upgrading our houses, buying more expensive cars as we age with more bells and whistles, etc. When you create too much debt, whether it be student loan debt, mortgage debt, car loan debt, credit card debt, etc, you get stuck in your financial past decisions. This doesn’t allow you the space to be nimble to live in the present moment or change the trajectory of the future you want to create easily. This is how our fears get reinforced in our limiting belief systems for our past conditioning.

Wow, that’s a mouthful….let me say it again. When we make financial decisions that are conditioned from those who taught us and the influences of our personal experiences, we are responding in a way that is primarily fear based in most situations. You can see this when you keep having negative outcomes, or not expected outcomes in your financial life. Goal is to start to become the observer of your financial life. Don’t judge where you’re financially at, just look, just observe. What do you see? It’s ok to look, it’s ok to cry, it’s ok to get so pissed off that you punch the wall, ok, that may be a bit extreme, but you get my point…get those emotions up and out so we can heal those financial patterns that we being recreated over and over again that don’t support the “you” of today.

Money is energy. To overcome your financial fears once and for all, you have to tactically start to move your money into the directions that really support the new you. Become financially fearless!! Now don’t go being a recluse, don’t be extreme because that is never sustainable. Bite size pieces. When I say become the fearless financial version of yourself, that means have the courage to decide to leave that crappy job that is really not feeding your soul today. You know that one that is giving you a paycheck that you feel you can’t walk away from, but yet you can with a plan. It’s about just start being willing to put together the list of your dream job. Let me share a story of someone who faced this job situation head on.

Someone close to me was in a good job. It was stable, income was decent, she liked most of the people she worked with, but her dream job posting had come to her attention. She found out that they were considering three people inside the company for the job. She would be the only outsider considered for the position. It would have been easy to give into her fears and do all that negative self-talk of the low odds of her actually being picked since she didn’t already work there or have any relationships with those she’d be interviewing with. Blah, blah, blah….. I told her that was a bunch of hogwash. If you believe it, then it will be true.” She felt like to total underdog, she was younger, an outsider and she didn’t have as much experience.

I told her, “You need to turn the tables. You need to shift the energy of the interviewing process.” She looked at me like I had ten heads. “How do you turn the tables?” she asked. I said you need to interview them, not the other way around. She was not exactly sure what I was referring to. I told her it was about going through the interviewing process from a place of being their equal as opposed to being the beggar, the underdog. She needed to be clear as to who she is at this moment in time, the job functions she would love to do day in and day out, the type of people she wanted surround herself with from her co-workers, boss, and company culture, how much travel she wanted to do with the position, what her ideal income would be (she needed to claim her number BEFORE they made her an offer, this way one doesn’t chicken out), etc.

Why go about it in the fashion? When you do, you maintain your personal power and you don’t turn it over to the other party. I had her type out all the details of her desired work life on a piece of paper. She sent it over to me and I began to blow holes in it. I see this all the time, the first time someone gives me their list, they are always general and very corporate in nature. Putting down what they think they should put down, instead of what they really want. They’ve usually dumbed down the list to be what’s “acceptable” to the masses to not offend or trying to be way too politically correct. STOP IT!!! Don’t do that anymore people. We need to claim who we are today and don’t accept anything that isn’t in alignment with that. I told her that if she really claimed who she is and what she really wanted and they don’t give her the job offer, then it was the wrong job anyway. It would be a gift to find that out sooner than later. Why are we so afraid of that? It’s ok to not go to a job that isn’t your ideal world. Just like earlier this year, I chose to cancel my contract with Hay House to publish my second book because I was being treated like secondary citizen. Instead of continuing the feeling of being disempowered, I chose to leave and feel empowered again about my work in the world. You can do it too. You just have to muster up the energy and courage to do so.

In the end, she had to really dig deep, not be so corporate in her list she typed out. I suggested she make a final copy for each of the eight people interviewing her and get them a copy and have a copy herself. Why put on paper? Because then you won’t chicken out again…our nerves can really get the best of us sometimes, so put yourself in a position where there’s no turning back. Position yourself to be lucky to let your freak flag fly!!

She made it to the 2nd round of interviews and had to do a presentation. She nailed it. Two days later, she was offered the job. The offer was for $20K more than she was making at her current job. I went after her again, why? Because when she wrote down her income number at the beginning of this process, the offer was for $10K less than what she thought she was worth. They also gave her less vacation days. I asked her, “Do you want to lose quality of life to work for this company?” She looked at me confused again. Another pattern I see often at this part of the process. I said, “If you choose to have less days off per year, then you are giving up your freedom. Do you want this?” Keep your power, overcome those fears that will creep up. I recommended she go back them and say, thank you for the job offer, but I require $10K more per year in salary, and ten more days off per year. This would give her five more than she had, so she would gain more quality of life.

She went back to the corporate giant. She did the deed. She was nervous as all get out. Before the end of the day, they called and said they could give her $7K more, which was $27K more than her current job, and they said she could work one day per week from home and gave her more days off. What I’ve learned through the years is that ACTION is the best way to work past your fears and solidify a new response system, which gives you a new reality. It’s the only way to do it. Why? Because along the way you are shifting your energy in present time, despite the jitters, and that makes it a new you.

I’ll be giving some tips and tools over the next few months if you like, Click here to get on my mailing list to get access to them over the next few months before my book comes out. Sign up here to receive notice of samples of my second book, Awaken Your Wealth: Create a PACT to Optimize Your Money and Your Life which will give readers a deep dive to work on their patterning and create a new which will come out this fall. Let’s Awaken Your Wealth together, you deserve it!!

Put an end to your financial drama

Thu, 10 Jun 2021 12:38:36 GMT

Are you a financial drama queen? Not sure? Ask yourself these questions:

You carry bad debt over month-to-month.

You constantly bail people out of their own dysfunction.

You spend more than you earn.

You’re house/car/”insert material item” poor and not willing to downsize.

If you answered yes to one of these questions, congratulations: you’re a financial drama queen!

It’s not nearly as glamorous and exciting as it sounds, right? Of course not. Who wants to constantly be running towards breaking even in their personal financial lives? No one, and especially not you.

So how do stop this cycle? How do you break the old habits, create new healthy ones and live financially abundant life? These three tips are a good place to start:

Help yourself first.

Lending money to a friend or family member in need is sometimes the right thing to do. What’s the point of having money if you can’t occasionally lend assistance to the people you love? The problem comes when you are constantly helping people to the detriment of yourself. You have to treat yourself well in order to be the best human you can for everyone else, and you do that by helping yourself first.

Action step: Every time you get paid, pay yourself first. Set up an automatic monthly debit that goes directly to a different account. Make sure you’re saving most of that money, but earmark a piece of it to do something nice for you. Set your price, stick to it and don’t dip into that fund for anything other than what you created it for.

The only person you are allowed to compare yourself to is who you were yesterday.

You don’t have to explain to me how easy it is to fall into the trap of comparison. We’re only human, and it’s natural for us to see where we stack up to those in our peer group. But comparing yourself to others isn’t fair to anyone – especially you. Do it long enough, and you’ll just end up hurting yourself.

Action step: No more comparing yourself to your best friend, neighbor, sister or anyone. The best measuring stick is the one that you have for you: who you were yesterday, who you are being today and who you want to be tomorrow.

Clean your emotional and financial drains.

Maybe it’s a credit card balance or a too-expensive car lease. It could be as small as $40/month subscription service or as large as a house note that you are drowning in. There’s no shame in admitting that the life you once were able to afford (or maybe that you thought you could afford) is no longer financially feasible. Trying to stay above water in the deep end will only work for so long. Eventually, you’re going to have to get out of the pool.

Action step: Comb through your monthly bills to see how much you are actually spending on just living: groceries, house expenses, transportation, medical bills, etc. Then look at what you’re spending over that. Maybe give up the makeup subscription service for six months or trade in the car for something that costs half that. To get rid of financial drama, you must eliminate the financial drains.

Bottom line, your financial drama ends when you accept your current reality and know that you can choose a different path. Take control by assuming responsibility for your life and begin to build abundance.

Live by Choice, Not by Chance

Tue, 08 Jun 2021 10:47:43 GMT

Every day we are bombarded with choices. What to wear, where to grab lunch, what route we want to take to work and a host of other options are constantly flying at us all the time. And we seamlessly make the decisions. We all manage to dress ourselves, feed ourselves, make it to and from work, and live pretty consistent lives.

Why, then, do so many of us get crippled with decision overwhelm? Specifically, why is it so hard to us to choose to be happy? On the one hand, we are constantly viewing images of what happiness looks like. It’s expensive handbags and a jet set lifestyle with beautiful people a drinks that have no calories.

Though all of those things are nice, none of that stuff is actually going to make you happy. Happiness is something you’re going to have to work out on your own.

As a financial planner, I cannot stress enough the importance of choosing the right products and services for your money. And I’ve been privileged enough to help many people create a life they love at whatever start point they are at.

One of the main things that I’ve learned through this process, though, has nothing to do with money. It’s about choice. And the best choice many of my clients had to learn how to make was the one of happiness.

A foolish man seeks happiness in the distance; the wise grows it under his feet. ~ James Oppenheim

Were their problems instantly solved once they made the choice? Did everything all of a sudden magically go their way? Did they look in the mirror and adore everything about themselves and their lives? Of course not! But what did happen is that they knew they had the power and the tools to make enormous, scary chances in their lives.

People think happiness is a destination. It’s not. It’s a way of living. It’s a fraternity you have to continuously pay your membership fees to. Once you decided to join, though, all of those roadblocks that kept you up at night with overwhelming anxiety will get a lot easier to traverse.

Action step

A goal is a dream with a deadline. ~ Napoleon Hill

Live by choice, not by chance. Wealth rarely just falls into your lap. Neither does happiness. Like wealth, happiness is earned. And you earn it by choosing.

We look at success athletes, actors, heads of companies and other people considered wealthy and successful to have it all. They have enough money to buy whatever they want. They travel. They lead glamorous lives.

But you know what? They worked for it. They spent decades sacrificing for their craft, focusing intensely on their goal and building their destiny. Behind every successful person is a long, long journey set in motion not by chance, but by choice. Let’s view the choice of happiness the same way.

So here’s what you can do. Every day set a goal for yourself to be happy, and make the deadline for that goal bedtime. No more dragging your feet about this choice. Nothing in your life will be more important because nothing will change, empower or enlighten you more than choosing to be happy.

Like this blog? Share it with your friends on Facebook and Twitter. Also, be sure to sign up for my bi-weekly newsletter Financial Consciousness. And join the conversation on Facebook where we’ve grown together and act as a community to promote financial healing.

How to Awaken Your Spirit

Wed, 21 Apr 2021 17:44:58 GMT

When was the last time you dreamed? When you dreamed about your family goal of a big international vacation. Or your work dream of changing industries to something a little risky. And your personal goal of ending a relationship that no longer serves your best interest.

Do you remember when you allowed yourself to think about the things you truly wanted and didn’t immediately shoot it down? If the answer is no, why haven’t you allowed yourself to dream? And if you have dreamed for a moment, why did you shoot it down so quickly?

The challenge that many of us are facing today is that we’ve stopped dreaming. We’re so connected to devices, everyday life issues and “reality” programming that we’ve lost touch with the things we truly wanted. Our day-to-day needs supersede goals, and daily goals take precedence over dreams.

Living in 2015 means that we get to be in the front seat of incredible technological advances. The problem here is that our lives have become so predictably scheduled and monotonous for the sake of efficiency. Smartphones have streamline everything from getting a taxi to unlocking doors to watching our favorite television shows.

In a world where we have more available access to the tools we need to make dreams come true, we find ourselves further than ever from them. And the “on demand” nature of the lives we lead have taken away something so valuable to fulfilled life: spontaneity.

Being spontaneous and dreaming are two of the things that we’ve gotten away from. We need those moments to think about what the ideals in our life could be and how we can be challenged. Dreams give us insight into the things that make us truly happy and, therefore, the things we should invest more energy into pursuing. Spontaneity gives us the kick in the butt we need when things become stale or predictable.

Take action

To create an environment that breeds creativity, inspiration and happiness, invite more spontaneity in your life and allow yourself to play around in the land of your dreams. Awaken your spirit the possibility of not just pursing your dreams, but thriving in your dream life. How do you do that? By taking action.

It’s time to get back to some unstructured and spontaneous living. Give yourself ten minutes every once in a while to picture your ideal life. Write in a journal about the things you’re too afraid to tell someone you truly want. Choose to devote one night a week to doing something completely out of your comfort zone.

Spending time on yourself is never – ever – a bad idea. The more time you spend exploring those gut feelings, the better you will get to know your authentic self. You are worth every ounce energy you can devote to your dreams. Give yourself the space you need to explore your ideal life.

How to Handle Emotional Triggers (Especially the Ones You Thought You Already Worked Through) – Part 2

Fri, 02 Apr 2021 17:20:00 GMT

I personally know how frustrating it is to feel as though you’ve fully worked through something, processed a trigger, and handled your emotions… only for you to get triggered again later. This is something I’ve been dealing with a lot this last year and talking with many people about. Why is it that we do all this work, only to be surprised by a triggering event later on?

It’s so frustrating when this happens, especially if you’re anything like me and you want to think through things and not feel through them. Sometimes it’s not natural to feel, so when you’ve put in all this emotional work, it can be pretty discouraging to realize there’s more work to be done.

But why is there more work necessary? How do we get that work done? Why do triggers keep happening? Don’t throw in the towel. We’re going to dig into this aspect of handling emotional triggers right now.

Trauma is Complicated

If you haven’t done it yet, it’s so important that you recognise you are no longer the same version of you who was triggered by that thing in your past. If your triggers stem from traumas in your childhood, realize that you are no longer that child and you are no longer in that situation. This is necessary for moving forward because it gives us so much more respect for ourselves and a better perspective.

You have to start thinking (and feeling) for yourself now, not for anyone or anything else. Once you’re able to do these things, you also must recognize what causes a trigger which is most often some type of trauma.

A trauma is something that happens unexpectedly. You feel helpless in the moment because you can’t stop it and you’re not able to process through it completely because you don’t have the awareness or coping mechanisms. A trauma can be anything: abuse and abandonment, but it can also be something much smaller like watching a movie at the wrong time in your brain development. Just because you dealt with one piece of your trauma and cleaned up a bunch of issues doesn’t mean you don’t have other triggers laid down in your brain and subconscious.

That’s why it takes a while to fully clean these things up, and that’s why you have to take time and deliberate effort to clean up. If you don’t, you’ll keep yourself trapped in your suffering cycles for years.

This Work is Like Peeling an Onion

I just had a conversation with someone the other day, and we were talking about all the work we’ve been doing within ourselves, for ourselves. At one point, the other person looked at me and said, “Jules, sometimes I feel like I just want to take it all and shitcan it. Because you know what? I’ve been doing all the work and it’s not getting any better!”

That hit me hard. I can relate to that feeling because of how much I keep facing triggers lately… but I have to be honest with myself, and when I’m really, really honest, I can’t say it hasn’t been getting any better. The truth is that sometimes we don’t realize how deep our wounds are or how many triggers we have. So while it can feel in the moment as though you haven’t gotten better, you actually are doing much better. You’re just not all the way done yet and you still have some work yet.

I need to remind you that doing this type of work is like peeling an onion. We have to realize it’s necessary to keep peeling and peeling until we get to the core of it all: the core wound behind our triggers. Even if we’ve peeled off ten layers, if we’re not at the core wound yet, then we still have triggers and layers to work through. Dealing with triggers you thought you already handled doesn’t mean you’re not making progress. It just means you’re not quite done getting through all your layers.

Don’t Overcomplicate It

If you’ve recently been triggered and are feeling frustrated, or are thinking, “All of this work I’ve been doing isn’t getting me anywhere,” it’s time to stop and take a deep breath. Instead of getting yourself worked up about still having a trigger, wondering why something keeps happening, or feeling discouraged that you still have work to do… just accept that you have a trigger that needs to be reversed. Then go reverse it.

Don’t overcomplicate it. Don’t beat yourself up about it. Don’t throw in the towel. Just take half a day—or a couple of days, or even hour segments across several days—and decide you’re going to set some purposeful time aside for yourself. In a safe place, trigger yourself by remembering the instance that upsets you—or turn on some music that triggers your emotions or wait for life to trigger you—and consciously make the choice to do something loving and nurturing for yourself to replace that trigger.

You’re rewiring your brain to heal and release a trauma that’s been bothering you for years by replacing the trigger and trauma emotions with something loving, kind, and good. It’s okay if it takes time. It’s okay to do it layer by layer. You are so worthy of the love it takes to get through this.

The post How to Handle Emotional Triggers (Especially the Ones You Thought You Already Worked Through) – Part 2 appeared first on Julie Murphy .

How to Handle Emotional Triggers (Especially the Ones You Thought You Already Worked Through) – Part 1

Mon, 22 Mar 2021 13:58:00 GMT

I think most people can agree that this has been a triggering year, and I know I’m not the only one dealing with old patterns, triggers, and emotions popping up in my life, causing me to feel like, “Gah, I thought I was done with this! I thought I already dealt with this!”

It seems like I’m continually running into triggers and it can be frustrating, especially when I thought I already did the work to overcome these feelings and emotions. I know I can’t be the only one getting triggered to heck this year, so how do we move forward? How do we actually process an emotion in a healthy, beneficial way and not act it out in our life in a way that’s destructive to ourselves and others?

How do we handle emotional triggers, especially the ones we thought we already worked through?

Get ready. We’re going to dig into that today.

It’s Normal not to Want to Feel Feelings

I want you to know that this entire post is written coming from someone who has avoided feeling her feelings her entire life. When I got triggered before, I used to stuff it all down and move on without really dealing with it. I didn’t know how—or have any real desire—to feel my feelings and work through them. I didn’t have the understanding or self love needed to do anything else but bury my feelings and triggers.

That’s how I built my entire life… up until a couple of years ago when I had a near death experience giving birth to my last kid. This experience changed me. I couldn’t live my life like that any longer. I needed to find a better way of processing my triggers, emotions, and life. I needed to be kinder to myself… and that meant processing my emotions in a healthier way.

I know I’m not the only one out there who isn’t good at feeling feelings, who doesn’t always know how to pull them up and out, and who often has a hard time taking out my emotional trash. If you’re that way, you are not alone, but keep in mind that it’s also no excuse for allowing your suffering cycles to repeat. Let’s put a stop to it and start handling these emotions.

Dealing with Triggers and Emotions so You Can End Suffering Cycles

Here’s the key to handling your emotional triggers in a good, healthy way (rather than reacting in a destructive way and repeating suffering cycles): in a safe place, take half the day, a full day, or even an hour segment across several days, where you intentionally allow yourself to feel that thing that’s bothering you. Yes, I know, it’s uncomfortable but it’s important. Set aside some time and trigger yourself, give yourself space to feel, and then do loving, nurturing things for yourself throughout that time. Really dig deep, face your feelings head on and process through them, and show yourself unconditional love.

I know how crazy this sounds. I’m naturally a finance person. I’m a left-brain logical, so the idea of deliberately feeling my feelings is so bizarre to me and unnatural… but that doesn’t make it unimportant.

Avoiding your feelings, not giving yourself the space to process them, or stuffing your feelings down to a dark hole might sound more natural to you, but as my friend, Rita, says, it’s one of the scariest chronic issues in the world today. And I agree with this as someone who’s still working through it. I’m not talking about this because I’ve mastered the ability to overcome all my triggers, but rather because it’s so important that we show ourselves the unconditional love and respect necessary to heal from our chronic triggers, emotional reactions, and suffering cycles.

Process Your Emotions Purposefully

My good friend, Rita, is so good at explaining this whole process of handling emotional triggers. She recommends how necessary it is to give yourself the safe place and amount of time needed to trigger your emotions so you can get them off your nervous system and out of your brain. By stuffing down your emotions, you’re not allowing your brain or nervous system a chance to process them, and they just end up carrying them—leading to you feeling tired, exhausted, and more easily triggered next time.

I’d like to challenge you to process your emotions in a purposeful, healthy way this week. Maybe this means watching a movie and allowing your feelings to move, even have a good cry. Maybe it means going for a long drive and scream-singing along to your music as the emotions exit your body. You are worthy of self love. You deserve to show yourself the kind of self love it takes to give space, time, and freedom to remove these emotions in a way that doesn’t negatively affect you or anyone else.

Check your email next week for Part Two of “How to Handle Emotional Triggers” or click here to watch our live video with Rita .

The post How to Handle Emotional Triggers (Especially the Ones You Thought You Already Worked Through) – Part 1 appeared first on Julie Murphy .

Are You Feeling Stuck in Your Relationship?

Mon, 08 Mar 2021 16:34:00 GMT

I’m the money chick, which leads a lot of people to ask, “Julie… why do you talk about so many of these others topics? Relationships? Work life? Health?”

The answer is actually very simple: success in all these areas has to do with how we are authentically showing up in the world, and money is actually the result of you aligning with your heart and your soul—aligning in your relationship, your work, your health, and so much more. Without alignment in all these areas, money doesn’t follow, and if it does follow, it may not stick and stay either.

So today we’re going to focus a bit on relationships because if you are not happy in your relationships, then going to affect many aspects of your life in a negative way.

Taking Responsibility
Many people get mad at me for saying this, but here’s the hard truth: you created exactly the life you have and you made choices to get to the place you’re in right now. I get that life happens and some things are out of your control, but you being in the relationship you’re in (or not in) is you’re choosing.

There’s often a huge grieving process when we realize our life and all its imperfections is our own doing—trust me: I’m a divorced mom of four kids and when my fourth one was two years old, my grieving process started. I had to grieve a lot that I had created this life; I took an active part in creating a relationship that was not in alignment with my heart or my soul.

But here’s the cool thing: we don’t have to stay there. We don’t have to sit in suffering cycles, not in our relationships, not with our money, not with our work, not with anything. We are choosing to suffer when we wait and make no changes, so we can choose to make different changes and end the suffering cycle, too.

Set Boundaries
Once you own that you are responsible for the choices you make in your life, you give yourself the power to make the necessary changes to align your life with your heart and soul.

Let’s use an example: a relationship where your partner is insensitive and disrespectful towards you. How could that possibly be something you created? Aren’t they just being mean?

While you want to blame them for being a horrible person, the reality is that they are being insensitive and disrespectful towards you because you aren’t holding them to a line where they’re required to treat you with respect and sensitivity to remain in your life. You don’t have boundaries. Maybe you don’t have the self-respect and self-love to know you’re allowed to hold strong, self loving boundaries.

I used to be exactly like that. People would tell me for years, “Julie, just stop responding to him, just stop engaging,” but I was like, “I have four kids with this man! How do I stop responding to him?” I didn’t know how to do that, or how to build that healthy boundary. Fast forward to today and I have learned how to not respond whatsoever, I am completely detached, and am still raising four kids with a person I don’t ever physically see or directly talk to.

Why? Because I am not doing that anymore. It’s not a safe place for me.

How? Because I respected and loved myself enough to start making choices for myself. I had to start removing myself from the relationship so I was no longer the reactor, but instead I was the observer. I had to love us both enough to make a change.

I had to recognize that at this point, we have a business relationship, that’s it!. The business of raising four kids to be the best versions of themselves. All other aspects of the relationship needed to fall away. And they are…

Lead with Love
My good friend, Rita, told me something amazing that absolutely helped change my relationship. She said, “The best love you can give this person, is to hold extremely, extremely strong boundaries.” And that’s exactly where I am today—it took me a while to get there, but things have fallen into alignment because I cared about myself more than I cared about holding onto or fixing something for the other person.

When you love someone enough to set boundaries, it’s life changing. And when you have the self-love to put yourself first, it is amazing. Love changes everything. It flips everything right on it’s head, in the best way, so if you’re feeling stuck in your relationship, lead with genuine, honest love and compassion and you might be surprised where it takes you.

The post Are You Feeling Stuck in Your Relationship? appeared first on Julie Murphy .

How to Create Waves of Happiness

Fri, 19 Feb 2021 20:30:00 GMT

Something happened recently that I find super hilarious, while also incredibly encouraging and hopeful. The other day, I was running around doing my crazy morning errands. The kids wanted sushi in their lunches so I ended up going to WholeFoods to grab some for them. We ended up getting Dunkin Donuts too, which I know sounds obnoxious together, but it made my kids giggle!

And that reminded me of something: by making other people happy, causing them to giggle, and helping them do things they thoroughly enjoy, it makes me happy. Through this pattern, I can create a wave of happiness.

Joining the Wave

That day I got my kids their sushi and Dunkin lunches, I told myself that before I went home and got my work day started, I was going to get myself some Starbucks as a treat. I got to the coffee shop, pulled up in the drive thru and ordered my drink. As I waited, I turned on the Christina Perri song, “Human” because recently it’s really been resonating with me.

I don’t know if anyone else can relate, but lately I’ve been in this place of feeling weary and exhausted. Like, how much more can I swallow? How much more can I do? As human beings, we’re either healing and expanding or we’re falling apart these days, and there really doesn’t seem to be a lot of differences in between.

So I started playing that song as I waited for my drink, really cranking it and letting myself sing it out. When I got up to the window, the cashier told me something amazing: the person in front of me had paid for my Starbucks.

I’m telling you, that person’s kindness in front of me in line made me giggle so much, just like I had made my kids giggle that morning by putting sushi in their lunches. It was such a good feeling and brought me so much delight that I decided something: I was going to cause a wave effect.

You know the types of waves that happen at a football game in the stadium seats? Someone decides to start it, and pretty soon everyone is like, “Yeah, let’s do this! Let’s create a big wave!”

That morning, I decided to join the wave. I was like, “Hey! I’m going to pay for the car behind me as well!” So I told the woman at the drive thru, “Tell whoever’s after me that someone paid for me, and I’m going to pay for them. Let’s keep this good thing going!”

Pay it Forward

I wanted to share this with everyone today because more of us need to hear how capable we are of spreading waves of good. We can spread waves of happiness, waves of kindness, and waves of making people giggle. Let’s pass this goodness around. We all need it like we need fresh air right now because the firehose of events just keeps coming at us in the world. And we all totally deserve to giggle, to laugh, and to enjoy life’s moments.

We have to understand that each and every one of us is connected. We are all connected and what lifts one of us up can help lift up the rest. We have to stop tearing each other down, shaming people for having different opinions, and spreading waves of cruelty. Let’s support people. Let’s build them up. Pay it forward.

I hope you have the best day ever.

The post How to Create Waves of Happiness appeared first on Julie Murphy .

If You’re Having a Hard Time Right Now… This Might be Why

Tue, 09 Feb 2021 03:13:00 GMT

I’ve just realized something: this past week or so has been FULL of examples in my life showing me how important it is to be in a place of acceptance when it comes to things you cannot control.

If you haven’t noticed, we suffer when we don’t actually accept the things arising in our lives. When we’re fighting against things outside our own control, we end up triggered and often miserable, unable to achieve the financial abundance or deep personal fulfillment we do desire.

This has been made so clear to me this past week that I want to share a bit more of what I mean…

Why Suffering Cycles Happen

I don’t care what topic we’re talking about: acceptance is an essential step to getting yourself out of suffering cycles and on your way to achieving the financial abundance and deep personal fulfillment of your dreams.

Say we’re talking about politics, the current economic status, the condition of your current relationship, the fact that maybe your job is still shut down, or that you can’t go into a restaurant like you used to. There are all kinds of things we have personal attachments to or opinions on, and while that’s perfectly fine, I want to challenge each and every one of you to take a step back. Consider how your attachments and opinions are affecting your life. Really examine if you’re getting triggered by all these opinions and attachments.

If you’re at all like most people now, you’re probably getting triggered left and right.

The Importance of Acceptance

There are some things you simply have to accept about your life if you want to end your suffering cycles. We have to accept that we now have a different president in the United States. We have to accept that we’re still in a pandemic. We have to accept that we’re probably going to be required to get a vaccination if we want to travel the way we used to.

None of this means we can’t still have opinions, attachments, or the ability to make smart choices. In fact, these things are perfectly possible! All I’m saying is that when we don’t accept the things arising in our lives, the things outside our own lives that we have no control over, we get majorly triggered.

When we emotionally trigger to not being able to dine-in at a restaurant or go back to our normal work lives, it’s a clear sign that something needs to shift within us. While that may sound like an oxymoron, the acceptance portion of life is huge. Without it, we get trapped in repetitive suffering cycles, triggering us over and over and over. And that triggering uses up the amount of energy you have to go grab your dreams.

Start Some Conversation

So what is it in your life that you’re having a hard time accepting? Is it all the pandemic regulations? Is it the economy? Is it related to your work or children’s schooling? Whatever it is, I’d like to challenge you to figure out how you can accept it as the way your life is now—because you can’t control anything outside of your own life, and trying will only keep you trapped in a suffering cycle.

This is really about loving yourself enough to have courage and start some conversations with yourself about acceptance. It’s time for you to step into your financial abundance and break the disempowering beliefs in your life.

The post If You’re Having a Hard Time Right Now… This Might be Why appeared first on Julie Murphy .

Five things you can do right now to reach your 2021 goal

Wed, 06 Jan 2021 03:02:52 GMT

Happy New Year! The first week of any year marks a starting point for many. And I want you to use that motivation to kick-start your resolutions immediately. Here are four things you can do right now to move you closer to your 2021 goal.

1. Automate your savings

You want 2021 to be the year you make huge advances towards that big purchase: first home, dream home, new car, or funding a college education. So you resolved to start saving larger chunks of your income to achieve that goal. Instead of manually moving money from one account to another, automate!

Right now: This one is two parts, but the “right now” step is to go online and set up an online savings account. Next you can either set up an automated transfer from your checking to your savings each month, or you can talk to human resources about directly depositing a portion of your check into the savings.

2. Invest in what you know about

We’ve all spent the last month spending. This month pay yourself back by investing but don’t go into it blind. Do your research. Take your own fiscal responsibility as opposed to depending on others for making your investment choices.

Right now: Set up an appointment with your financial planner to talk specifically about investing. Then figure out a reasonable amount that you can invest immediately after that meeting is over.

3. Give yourself a raise

You resolved to make more money in 2021, so you plan on asking your boss for a raise. Why wait for your boss to give you a raise when you can give yourself one? Take a moment and think about what you enjoy doing. Maybe it’s writing, painting, web design, or fixing computers. Most likely, it’s something you can get paid doing for someone else.

Right now: Put an ad on Craigslist marketing yourself as a freelance “your special talent”. No, you’re not going to make money today doing it, but you will be moving closer to your ultimate goal of making more money in 2018. And this action is two-fold; you’ll not only make more money but also be starting a business. How empowering is that!

4. Make an extra payment on the highest interest debt you have

I always feel proud of myself when I do a little extra in my workout. Whether that be five more minutes on the treadmill or an extra set of weights, it just feels good. Use this same mentality on your debt, especially those with sky-high interest rates.

Right now: Pick one of your debts. Decide how much you want to pay on it right now. Call up the company (or go online), and pay it. And don’t let those crabs in your bucket pull you down about the amount; the whole idea of this is to jump-start those goals you set for yourself.

And here’s a bonus: be proud of yourself. Breaking down your big goals into bit-size, palatable pieces is huge! That step you just took means that you are well on your way to making 2021 your year.

Money…

Wed, 06 Jan 2021 02:59:52 GMT

Money makes the world go round. We love it, we hate it, we have plenty, or we’re always looking for more of it. Money comes to us with such polarity. Money is the center of many divorces. Money is the culprit that instigates countries to fight over who owns the China Sea, or who owns this land or that land. Money is used for power. It also, gives us freedom of choice.

No wonder we are all so messed up around money. We even created fake money, credit. Credit is the illusion that you actually have money to spend and all it does is trap you in the life you have or the more challenging one you are creating for yourself in the future. Credit to most people today is a led balloon.

Over 70% of the world has no interest or negative interest on their money. Think about that! You put your money in the bank for one year and when you take it back out, you get less. That my friends is negative interest rates. If you’re one of those people that lives in a place where that isn’t the case like here in the United States, if you think you’re immune to what the ripple effect of this will be in our global economy, you are surely mistaken.

I was asked when I was up on Capitol Hill in Washington D.C. by a few congressmen and congresswomen, how do we get Americans to save more money? I told them, “you’re asking the wrong question.” They looked at me with this puzzled look on their faces. I said, there is no way you can get people to think and act to save for their future when they are so stuck in their past financial decisions. Those past financial decisions are sitting on the balances of all their credit cards, student loan debt, car loans, personal loans, debt consolidation loans, 401k loans, etc.

It all starts with a compelling reason to change, something that makes us want a different reality then what we have. In my book, Awaken Your Wealth, we will walk you through what that is for you. I will guide you with exercises, case studies and success stories, to help you create what you desire in your life and reboot your relationship to money in what promotes the life you want today.

Come, join my community for updates!

You’re Worth It

Wed, 06 Jan 2021 02:57:43 GMT

It’s time to raise our energetic, financial vibration!!! I want you all right now to download the song, “I’m Worth It” by Djsleazy and listen to it often. I realize you may not be a pop music fan, but my 3 year old daughter this week, MaryKate, is walking around the house blasting this song, wiggling her little hips dancing and singing “I’m worth it. Yeah, I’m worth it.” I understand this song could have a couple messages, but the fact that my 3 year old is internalizing that she is “Worth It” will go for miles during her lifetime.

Many of us have life experiences that have helped us feel like we are not worth it. We’ve created habits that don’t necessarily put us farther down our path to our soul work on this earth. Financially speaking, this comes about in various ways. We spend more than our income, we carry credit card debt and we keep choosing car loans over and over again. All things that deplete our energy and suck the life out of us as opposed to feed us more uplifting, positive energy. Then on top of that we pump ourselves up with Starbucks or Dunkin Donuts large coffees cream and sugar please, that keep us it the bad habit cycle of distracting ourselves to what’s really going on in our lives.

It’s a trap. It’s an addictive trap. Whether it be debt, coffee, other caffeinated drinks, bad relationships, or whatever else your vice is, they are all pulling you away from soulful living. I watched two of my employees this week juice to reduce inflammation and just feel less foggy and feel lighter. It was interesting to hear them speak about how when they no longer had their distractions. They actually felt their feelings. By doing so, it allowed them the space to choose consciously whether or not to continue those things that were not serving them very well. They had profound clarity due to the emotional space juicing gave them. I believe that’s why we don’t stick to diets or budgets because on some level, we’ve not fully committed to creating the life we dream of. We’re on some level nervous to feel our feelings. It’s foreign. For years, generations were taught to stuff them down, fall in line, and do and say all that you should.

I’ve been going through my own journey this past week as I continue to do the work I am meant to bring into the world. I’ve realized that I’ve distracted myself with pulling in vendors to help me on my professional journey that are order takers. Another gap was that none of them had skin the game to generate revenue, meaning if it didn’t work out, “Sorry Julie”. They didn’t have any skin in the game. I had all the risk. Why, because I wanted control. My childhood was packed with lots of things going on as 1 of 12 children. How I coped with it was to take control of things around me. It was a survival mechanism I put in place. That’s how I hard wired it in my subconscious mind which has led to how I respond to the external world.

In the past two weeks, I decided to break that bad habit of the need to control everything around me. Sound familiar to any of you out there? I’ll bet. There’s so many of us that are wound up so tight trying to control every move around us, we’re about to burst. This has put me in emotionally vulnerable positions. I observed that I was like a fish out of water. I felt very strange. I wasn’t clear as to how to just be with the emotion of feeling out of control. Anyone that knows me knows I like to have my act together. What came up for me was nervousness. My insecurity kept rising. I was feeling scared. Not a familiar place for me to be. I was scared of the unknown. I never allowed myself when I was younger to actually feel my feelings. I learned from my environment as a child to just divert those emotions into some other behavior that didn’t serve me very well.

Since I am a financial professional I’ve got the money side of the equation mastered. I always say, we either work things out or act them out through our money or through our health, and in many cases both. My bad habits and distractions have to do with my health. I’ve always stuffed emotions down with food. A client of mine put up on Facebook, 30-30-30 challenge. 30 days of eating healthy, 30 days of exercise, and 30 days of losing weight. I opted in. The challenge created the space for me to do something else to interrupt my pattern. The past few weeks I’ve chose to observe, not judge, when I emotionally ate which always resulted in overeating. This led me to make another conscious choice. I chose to stop my bad habit of emotional eating. How? The day after I overate, I chose to fast to empty my stomach to get back into alignment once again. I’m giving myself the space to do it in bite size pieces. We all can do that. Do things in digestible pieces so we don’t feel we are denying ourselves, but also putting ourselves in more alignment with our true selves as opposed to giving into all of our distractions of life.

As I’ve mentioned, financially, we have all kind of distractions we’ve created:

Debt – House, cars, student loan debt, credit cards, etc.
Overspending month to month from the income that is actually coming into our checking accounts
Creating credit card debt that our spouses have NO clue about (I see this so often)
Stay in jobs that we hate, so we rob ourselves of raises and good bonuses.

Just to name a few.

Ask yourself a few questions:

What are your money distractions or bad habits?
What small steps you can take right now that will free you of these depleting behaviors?
Who do you need to cut out of your life that reinforce your bad habits?

It all boils down to self love. Love yourself enough to move to the next place of your personal evolution. Embrace change, it really truly is the only thing that is constant in our lives. Change, change, change….so let’s just love it!!!

Divorce Because Every Day Matters

Wed, 06 Jan 2021 02:54:52 GMT

You may be considering divorcing your spouse, friendship, parents, siblings, co-workers or other relationships that are causing you to suffer. How do we know when the time is right? Or is it right? All we know on the inside is that something is not working for you at that moment of time. We put up with continual behaviors and patterns for far too long. Why do we stay? We stay because of the stories and roles we have played that are familiar and it’s easier to stay with what we know versus venturing out into the unknown. It takes a lot of courage to push out of our personal patterning. Again, it’s the stories that keep us stuck.

Stories, stories, stories……this is how we play out our lives. Many times the stories we tell ourselves come from our experiences in life and the experiences of the generations before us. This week, I was reminded about how when we interface with others, especially long term relationships, whether be spouse, family or otherwise, many times we follow our conditioning as opposed to our authentic selves. Many times these stories cause us to suffer keeping us from moving forward.

I have seen countless times when a relationship is not working, and when one of the parties just makes it an option to be willing to leave, it shifts the entire relationship. You have to be WILLING to leave. Be willing to change. Be willing to invite in the new. Why? Because you will stop suffering and you will respond differently to things in life. When you are willing to walk away, it actually frees everyone involved. And, as a side note, this also shifts people financially too.

Many people don’t get divorced because they are afraid of what the financials look on the other side of a divorce. I can tell you, I’ve had client after client tell me they were afraid of what their financial reality will be on the other side. What we need to realize in this process, is that you are left with you on the other side. Yes, you and only you. And when you have no one else to point the finger at, you will be forced to look in your own mirror. The only thing I’ve watched people fear is when they are choosing not to be the best version of themselves. We chose to blame your spouse for why you are stuck, shame your family for not being different, guilt your kids for not filling your expectations and judge them all – your spouse, boss, sibling, parents, etc, but that only works for so long. If you’ve spent a lifetime doing this, then you will keep chasing and never feel whole within yourself. And to top it off on some level you will always financially struggle. Some to it by repeating the debt cycle over and over again. Some do it by having to split their money from divorce, or a failing business, or getting laid off, etc. All situations that have cash walking out the door as opposed to growing and being abundant.

If on the flipside, if you’re like me, you may have been the one that has constantly interfered with other people lives by doing too much for them, your kids, employees, your spouse, your siblings and even in some cases your parents. When you don’t allow others to have the full experience of what they are choosing in the world, they can’t evolve to be the best version of themselves. We do it to “do the right thing” or “to help support them when they are down” and in reality, we are crippling them more the more we bail them out. When one gives too much to others, and not in alignment with them on every level, it is accompanied by expectations being set. Expectations of how those people should act in return and this comes from the fact that you on some level feel put out. When I’ve done this in the past, particularly with my siblings, it only created more suffering for me.

I had an experience one day that taught me that I didn’t necessarily need to divorce my siblings, but I needed to release all expectations and I needed to stop giving so much because I felt put out. This often caused me to get physically sick as well, could have been as easy as a cold or as bad as being laid out for a week or two with the flu. It took me a while to realize this really had nothing to do with my siblings, it had everything to do with little old me. I was continuing this pattern to keep my story alive. My childhood put me in a parenting role with my siblings being the 2nd oldest of 12 children. It naturally just happened that way. A gift my childhood gave me was the skills to run a successful business today. The shadow side was that I needed to learn to just keep busy being myself and doing my soul work in the world. I did so by staying in a place of being an observer and listener, not problem solver, when it came to the interface with my siblings. And when I felt a certain way, I communicated it, but steered clear of telling them what I think because that just meant I fell back into being a problem solver for them. By doing so, this has freed me and freed them at the same time.

Ask yourself these questions:

What suffering patterns do you see over and over again in your relationship that you are considering a divorce?
How have you participated?
If someone is pressing your buttons, it’s really about something that needs to shift within yourself. What are those buttons that need to be healed within you?
What does a healthy relationship look like to you?

How does this all fit into money? Well, when you participate in relationships that are operating from a place of scarcity, struggle, or suffering, there’s no way full abundance can come your way in all areas of your life, including financials. That is why this is important as you do self-reflection; you need to consider all areas of your life to look at Personal, Financial, Family, and Work Life. If one wants to shift, stop repeating patterns, or improve their financial lives, one must address all the emotions going on inside their lives as a whole, otherwise you will ebb and flow and all will stay approximately the same, unless you give yourself the gift of your own emotional freedom and choose to change those patterns of suffering.

Choose You! Choose to Divorce or Release unhealthy relationships! Just start shifting one of those relationships this week. Express gratitude for that person in your life and what they have given you and gratitude for what they will give you in this divorce process. Send them love and light along the way.

Julie

Financial Self Love

Wed, 06 Jan 2021 02:51:14 GMT

Wow, this past month has been intense. Who else is with me? All that no longer serves us must fall away. The old model of doing things must go. It’s time for energetic and financial expansion.

When I wrote my first book The Emotion Behind Money, I made reference to sitting on a bar stool. That once you start to shift you can’t ever go back and sit on the same barstool any longer. You start to shift and the common traits you once shared, you realize they are fading away, even if they’ve been friends for years. This has happened to me in a big way this past month.

One of the most financial self-loving things I did this past week was to accept my reality. I loved myself enough to see how I chose to participate in it. Once I really realized the cluster F*#@ that was created I got so sad. Sad how I had been betrayed by those I loved and sad that here I was again. And boy oh boy, did I grieve the fact that I knew better. I started to beat myself up. Ever done that before?

I realized that the sadness that came up wasn’t only about this situation, but it was also about all the times in my life that I did this exact same pattern. For me, I believe people at face value, but that leaves me at risk to be “wowed”, to be “sold a bill of goods with no substantiation”. I over road my own intuition in both instances and I didn’t apply my personal and business knowledge. I gave my power away. I thought someone knew better than me, that they had more authority on what I was doing, then me. That couldn’t have been farther from the truth. It was time for me to take my power back, hold healthy boundaries for myself, take inventory of the reality that was created, and align the situation to what was true for me and take action.

In the process of accepting my reality, a critical step in financial healing, I knew that my emotional body would drum up all kinds of self judgement, shame, blame, and/or guilt. When they came up, I chose to be the observer of those feelings. A response I’ve become very familiar with over the years. This is where I knew healthy boundaries were so important while I moved through both of these situations. For me, healthy boundaries meant that I needed to take a step back and create space for myself first and foremost. Then, evaluate, plan out my action plan to rectify things, then collaborate with others to set things straight.

What was interesting in both scenarios, when I didn’t respond to others demands, they came at me harder. Another test? Absolutely, I was being forced to get this one. They came at me like a bull in a china shop. They even tried to rally the troops against me. They tried to come after me in numbers. I knew I could choose to meet with each group of individuals and allow them to reinforce all my shame, blame, guilt and judgement, or I could choose to do the most self-loving thing. I chose the latter. The most self-loving thing for me was to take a step back, evaluate and see what was true for me. I didn’t engage. I didn’t plug into the energy they had going on because that was their business not mine. My business was to get really in tune with myself.

I realized, AGAIN, that I am a huge giver, and I attract takers. In my giving, I tend to rescue people, particularly financially. I’ve had a pattern of exchanging money for love. But I was doing that with people who don’t even love themselves, so they had no capacity to love me, reinforcing my suffering that I am unlovable. A pattern I thought I had said good bye to years ago. Apparently, I needed to strengthen my self-love muscles. I made a PACT with myself years ago, that I was no longer going to work with vendors, or have friendships, employees, or other relationships that were not mutually beneficial, loving, and reciprocal. This is where I was tested this past month.

I wound up getting into two situations where those I was dealing with were opportunists and they were personally financially destitute, which clouded their decision making process, and they were seeking to be bailed out and tried to make it my problem. Years ago, I would have bailed them out, and then just complained about it for years. What I’ve come to realize, when we do things that are not in alignment with who we are, we store those unprocessed emotions in our nervous systems, only to eventually act out in our health.

I always say, we either work things out or we act them out. We act them out through our money and though our health. This past month, I decided to not act out from shelling out money to people who were out of alignment and I was unwilling to carry their money issues. My body started to get numbing sensations. I know from reading Louise Hay’s book, Heal Your Life, the emotional cause of numbing is “Withholding love and consideration. Going dead mentally.” I was checking out likely because I’ve seen this pattern many times before. It was so stressful for me that I was in this pattern again.

I know many of you are with me on this one, you’ve likely had similar patterns repeat in your life and eventually you feel like you’re beating your head against the wall. Well, it’s time to stand up and love yourself!!!

How did I get out of what I created and how can you as well?

I went back and got in tune with what I wanted to create in my life. I loved myself enough to give me the time to do this regardless how much other people were barking at me, and threatening me legally, to do it differently.

I evaluated what was true for me, and what was I being “sold” and see what was not in alignment with my highest and best interest.

I proactively reached out to those involved to find a collaborative solution.

I let go of those who were unwilling to collaborate because that’s not my style.

Lastly, I expressed gratitude for all those who showed up for me and for the lessons I learned which helped me build even stronger self-love muscles.

Whew!! It was a process, but my soul came here to do something, and as God and The Universe as my witness, I’m going to do it and nothing is going to stop me, even the lessons. Bless your lessons along the way. Thanks for reading…..

My new book Awaken Your Wealth is a roadmap which I call the PACT process which allows you to walk yourself through the most self-loving path to financial wellness on all levels. Come like my Facebook page to join a community that is all about financial abundance and support you in creating the financial life that you desire.

Namaste,

Julie

Your financial karma: what it is and how to change it

Wed, 06 Jan 2021 02:51:12 GMT

I’ve spent the last two weeks talking about looking within yourself to improve your finances. Your attitude inventory told you where you are right now mindset-wise, and then you dug a little deeper to see where exactly those feelings came from.

This week, I want to touch on something I’ve discussed before: financial karma. Many people – including myself – believe that “you get what you give” in life. The Hindu concept says that the choices we make have consequences, and we face those consequences daily. How true is this? Well, think about the past choices you’ve made with money. The financial situation you are currently in is probably a direct result of your past choices.

Wrong!

What is PACT?

Wed, 06 Jan 2021 02:47:39 GMT

Today, many of us create our financial lives by building it from the outside in. Why? Because the entire way our system is set up today from our educational systems, our career systems, our family structures, etc teach us on some level that something outside of us is better than the version that we are. Our systems teach us that we are flawed on some level. That we need to improve what we are not good at as opposed to really focusing on what we are inherently really good at and amplifying those talents.

What we are missing is that we were each put here on this earth for a specific calling. We’ve chosen our careers, and the money we make, to be the center of every decision. Money has become a core value and every decision pushes out from that. So if you don’t have money, you are of no value and if you have a ton of money, you have huge value. I’m here to tell you that this is a bunch of rubbish.

When we put our calling in the center of our lives, we can then build our wealth from the inside out. In the PACT process we redefine what wealth really means to you. Real wealth! We explore how you have defined wealth in the past, how you would like to define it in the future and we align all of your decisions from that definition you create along your journey. We must understand that it is an ever evolving process. We need to allow ourselves to be ok with what is and be ok with what we want to create so that the day we die, we have no regrets. This is real wealth!

Over the years, I have witnessed those who followed their calling, their passion, or otherwise known as life’s purpose, they flourish financially. Even in 2008 and 2009, I watch those that were absolutely passionate at their jobs get $30,000 bonuses while so many were being laid off. Many of those that got laid off hated their jobs, their bosses, their commutes, or their coworkers. When we don’t willingly choose the shift, a life crisis will cause the shift for us. The PACT process gives you tips and tools to guide you along the way to avoid the crisis point. When we love what we do, we are vibrating at a higher energetic frequency because we are having positive emotions, happy and joyful. Then, more good comes our way.

Over the past 20+ years in my calling, I’ve created the PACT system. PACT allows us to create more present moment living, releasing our financial past decisions, and fund the future that we desire. It all starts with making a PACT with yourself. My PACT process allows a person to be in a safe space. And the results from using PACT are sustainable.

I find that those who are ready for the PACT process are those who are seeking change in their lives. Seeking transformation, but are not exactly sure what is out of balance, but they know they want something different. This change could be in your personal life, financial life, work life, or family life. One of these areas of your life is likely dominating over the other ones which is what is causing some of your unhappiness or discontent. It got this way because life is busy, we roll over what are deepest desires are because time just slipped on by and then we realize years have gone by and we are full of a bunch of woulda, shoulda, coulda moments.

Well, that stops today. I invite you to muster up the courage to love yourself enough and call in your shift. Call in a life filled with high quality moments, lots of abundance, including financial abundance. I invite you to join me to make a PACT with yourself to create the life of your dreams.

Adapt Adapt Adapt: An Important Key To Life!

Wed, 06 Jan 2021 02:42:48 GMT

When it comes to living a happier life, adaptability is a key ingredient. I see its value all the time – whether it’s with my kids, my coaching clients, or through my own experiences. The messages are all around us: “expand,” “go with the flow,” “detach from outcomes,” “let go of resistance” – all just slightly more esoteric ways of asking us to be more adaptable and accepting of our current situations.

Accepting ‘What Is’

So much of our ability to adapt depends on accepting where we are in our lives. If we can accept the reality of our situation, warts and all, rather than fighting against it, it frees us up to move forward with creative solutions.

To this end, I love reading the bedtime story, You Get What You Get by Julie Gassman, with my kids. One of the lines in the story, “You get what you get and you don’t throw a fit,” has become a popular family mantra. It’s a great reminder to my children about the importance of accepting ‘what is’ and adapting to the way things are when life takes an unexpected or unwanted turn. We can all take a page from this children’s storybook.

A helpful tip on the road to accepting ‘what is’ is to let go of the dreaded ‘shoulds’. Saying things to yourself like “I should be farther along in my career by now,” “I should have more money in the bank,” or “I shouldn’t be in debt,” just end up keeping you stuck, not to mention, down in the dumps! If the shoulds are bogging you down – well it’s time to kick ‘em to the curb!

Bend With the Wind

When it comes down to it, it’s all about how we deal with change which, there’s no doubt, can be challenging. I like to think of adaptability and accepting change as a kind of dance. We can fight the dance of change – which can cause us to trip and fall – or we can glide in one direction and then twirl in another as the winds of change blow. As the classic Tanzanian proverb says, “The wind does not break the tree that bends.” The more we go with the flow, and the more gracefully we respond to the variable winds as they blow through our lives, the more adaptable we can be – which ultimately helps us maintain a healthier body, mind and spirit.

When faced with unexpected change in the moment, I’ve been using “the 17-second” method with great success. Studies have found that it takes 17 seconds to shift our emotion from negative to positive. The next time you’re faced with something that throws you off course, try hitting the pause button for 17 seconds. My coaching clients, and even my kids, can attest to the fact that it does wonders to bring them back to center.

Real Wealth

Being adaptable and accepting doesn’t mean we have to stay in a bad situation. What it does mean is that we’re no longer in denial about where we stand in the moment, or when it comes to life’s bigger picture. That acknowledgment frees us up to set new intentions, follow our guts, and find the courage to move forward and align with our true paths. The more adaptable we are, the more in sync with life we can be!

Adapt Your Way to Success

Wed, 06 Jan 2021 02:40:14 GMT

Whenever I happen to catch a nature program on TV, it always strikes me how the animals that are the most successful in their natural habitats are the ones that are the best at adapting – oftentimes at a moment’s notice – and it’s a brilliant reminder that the same is true for humans. I see, time and time again – through my own experiences as well as those of my children and coaching clients – that the more adaptable we can be, the better we’re able to navigate through whatever challenges might come our way. The messages are all around us on a regular basis encouraging us to: “expand,” “get in the flow of life,” “detach from outcomes” – all just slightly more “woo-woo,” esoteric ways of asking us to be more adaptable to our current situations, so that we can feel more success and joy in life.

So much of our ability to adapt and go with the flow, however, depends on letting go of all the should’s in our lives: “I should be farther along in my career by now,” “I should have more money in the bank,” “I shouldn’t be in debt ” This type of self-talk just ends up keeping us stuck, not to mention, down in the dumps. If the shoulds are bogging you down – well it’s time to kick ‘em to the curb!

It All Begins With Acceptance

When it comes to lifting our blocks to money, and creating a richer, fuller life in general, the ability to let go of expectation, and accept the reality of a situation, warts and all, is key in developing our adaptability quotient. Interestingly enough, this point is driven home every time my kids and I read one of their favorite storybooks, You Get What You Get by Julie Gassman. The best line in the whole story, “You get what you get and you don’t throw a fit!” is something we love saying together. It’s like a family mantra. This darling story has driven home the importance of being adaptable for my kids and for me, and we can all take a page from this book when it comes to accepting the way things are – even if the situation is not to our liking or what we expect.

Bend With the Wind

When it comes down to it, it’s all about how we deal with change which, there’s no doubt, can be challenging. I like to think of adaptability and accepting change as a kind of dance. We can fight the change – which can cause us to trip and fall – or we can glide in one direction and then twirl in another. As the classic Tanzanian proverb says, “The wind does not break the tree that bends.” The more we can “go with the flow” – gracefully responding to the variable winds as they blow through our lives – the more we can maintain a healthy body, mind and spirit.

A great “accepting what is” tool to help you go with the flow is “the 17 second” method. Studies have found that it takes 17 seconds to shift our emotions from negative to positive. So now, when my kids are in a frustrating situation, I ask them to pause for 17 seconds to take a few breaths and just observe their feelings before reacting. I encourage you to try it as well if you feel like your cage is being rattled. Hitting the 17-second pause button does wonders to bring you back to your center and adapt to a situation.

Keep in mind, accepting the reality of a situation doesn’t mean staying in it if it’s unhealthy. What it does mean is that you’re no longer in denial about where you stand in life, and that acknowledgment frees you up to align with next, more positive steps forward.

Listen To Your Own “GPS”

A way to spark that forward momentum is by taking the “17-second” method a step farther to conduct an emotional inventory. It’s amazing the degree to which so many of us are out of touch with our emotions – numb to the fact we’re suffering and paddling against the currents of our lives – simply to avoid change. By getting in touch with your emotions, you connect up with your gut…your “internal GPS” that can guide you out of a stuck place, and ultimately to positive change. Your GPS may be telling you it’s time to take steps towards a change in career or relationship, or make changes in a myriad other ways. The important thing is to listen to and honor your emotions.

Follow Your Inner Road Map

In partnership with your inner GPS, you can start creating a list of intentions in order to take action and move forward on your path. I encourage you to start brainstorming steps you can take – adding only the ones that truly feel good to your intentions list. Creating your intentions based on what feels good and what you truly want will help you feel more aligned with a new, more authentic direction.

Have Courage

As creatures of habit, we don’t love making changes. It’s amazing how much we’re willing to live in painful situations in order to avoid facing them. It may sound cliché, but it really comes down to loving yourself… loving yourself enough to take risks towards something better, and having the courage to allow yourself to adapt to the new life those changes may bring. Some changes will be easy and some will be difficult, but they will be authentic to you and the life God/ The Universe intended for you.

There’s no denying that change can be scary and, at times, painful, however, the more we can have the courage to swim with the changing currents – setting our intentions and adapting to any given circumstances that come up along the road toward our goals – the more resilient and successful we can be!

Your Dreams Matter

Wed, 06 Jan 2021 02:36:09 GMT

When was the last time you focused on your dreams?

Your true dreams. The ones that come from deep within. The ones that uplift you or make you giggle and smile? If you can’t remember the last time you thought about the dreams that bring you joy, it could be that you’ve lost touch with your inner knowing.

The guidance that comes from your heart.

Too often, we negotiate our dreams away to conform to what we believe others will understand and accept. And, of course, much of what we call OUR dreams are really based on what other people, like our parents, friends, bosses, or professors, think would be good for us.

So, what are YOUR dreams?

The big ones. The scary ones. The ones you want but feel you have no chance of achieving. What are those inner yearnings your girlfriends gloss over when you bring them up or your family laughs at during Thanksgiving dinner?

Let’s talk about them.

Not your dreams but the feeling you have surrounding them.

The fear. The uncertainty. The insecurity. The sadness. The shame. The judgment. And the feelings make sense; There are so many external pressures. You have to think about your kids’ college funds and your husband’s career path and your parents’ healthcare costs. You have so many other more important things going on in your life than your dreams.

It always seems everyone else’s feelings and needs matter more than yours.

I don’t need to tell you how ridiculous that is. Yet it’s a convenient excuse for why our dreams are impractical or can’t happen. It’s part of the negative self-talk that comes with losing touch with our inner guidance and denying our wants and needs. And that leads to frustration about our place in our lives and resentful of the people and things we put on a higher pedestal than us.

So, let’s make a change.

Action step:

Honor the divine within you.

When you can feel deep inside that you’re onto something big, something that aligns perfectly with your soul’s purpose, you might get scared. And that’s OK. Being afraid when we have an idea is generally a good indicator of the direction we should be going. It may be outside of your comfort zone, but that doesn’t mean it’s a bad idea. It means that it’s an idea that deserves all the attention you can give it.

And, don’t ignore the deep and profound connection you have to your life’s purpose. Never stray too far away from that part of yourself. It’s the most meaningful part of who you are, so spend time each day nurturing connection through self-care.

Love yourself first. You and the people in your life will benefit tenfold.

Are You Tied to a Financial Lead Balloon?

Wed, 06 Jan 2021 02:34:21 GMT

A dear friend of mine, Susan, said to me, “Julie, I sold my house and I bought my freedom!” We are taught to believe that buying a house is the American Dream, and for many of us, it may very well be. But, if you face the monthly stress of a home mortgage you can’t really afford, you’re holding the string of a financial lead balloon. Financial lead balloons are items we purchase that look good on the outside, but in reality, they weigh us down and rob us of our personal and financial freedom.

Why do we make these choices? Because there is always Emotion Behind Money. What we do is driven by how we feel, both consciously and unconsciously. When we open ourselves to these emotions and take control, we can heal our financial past and move toward building real wealth. If you aren’t where you want to be, financially, personally, or otherwise, you need to forgive yourself for where you’re at. When you forgive yourself, you create space for the new to come in. And, when the new comes in, it will often surprise the heck out of you!

Susan decided she didn’t want to live the way she was “supposed” to and let go of the financial lead balloon that was her family home. She realized that every decision in her life was based on trying to keep her lead balloon afloat. She put up with an abusive boss and was trapped in her job because she needed her paycheck to cover housing costs. She thought of her mortgage as “good debt” and didn’t realize how her “investment” blocked her from doing the things she loved, like traveling, and was draining the joy from her life.

After taking the time to tune into and accept her inner knowing, Susan realized she needed to give up chasing the trappings of a “successful” life to live a full and satisfying life instead.

Today, at age 64, she has thrown out all the rules. She left her staff position to be an independent contractor and has built a thriving business. With today’s technology, she can work from anywhere and she now splits her time between Seattle, where her home was; Chicago, where the majority of her family lives; London, where she frolics with a lifelong friend; and for three months of every year she lets the wind blow her to a new adventure.

What I love is that Susan is doing what is financially healthy and brings her joy.

The change that came when Susan decided to stop beating herself up for taking on a hefty mortgage was impressive. Deciding to sell her home, quit her job, and find her freedom all started with her forgiving herself for poor financial choices that she made in the past.

Kudos to Susan. She found the courage to face her financial reality and now is happier than ever.

Are you ready to release your financial lead balloons? It really is your choice. Make that decision for yourself. Choose you. Choose to forgive yourself for your current reality. Choose to forgive yourself for what debts you have, the financial patterns you’ve imprinted on your kids, for the crappy boss or company you put up with for years that sucked the life out of you. Forgive your spouse and the patterns you put up with, and most importantly, forgive yourself for being human.

Be Aware of Your Fears

Wed, 06 Jan 2021 02:33:05 GMT

Fears. Who’s got them? My guess is most of us. They come and go over time, sometimes with more intensity and sometimes less. Why? This fear comes from your past relationship with money, which comes from conditions in the families and communities we grew up in. We learned emotional response systems from those we started our lives with and continue to attract those that reinforce those limiting belief systems. We’re more stuck in our daily groves, with the appearance that it is harder and harder to change the more time flies by. But, I’m here to tell you, you can make great things can happen, no matter what age you are, how many failures you’ve had, or how many people are counting against you. I know, because I’ve done it!

All you need is for the real you to show up and to recognize that these disruptive patterns keep persisting in your life. Then, consciously choose to start dissolving them.

We need to realize our financial fears really don’t come from our money. What we do with our money is one way we act out our unprocessed, unfelt, emotions. Remember, Einstein proved that energy is neither created nor destroyed; it just changes form. So, when you have an emotional charge about something, a fear, and you don’t directly address it at that moment in time, the energy either gets stored in your body for a later explosion or exits your energy field some other way.

The level of debt in our world today is the proof in the pudding that we are NOT processing our emotions in real, present time. We are creating debt and huge levels of it. You see this in personal budgets, corporate, non-for-profits, and governmental financial levels — it’s everywhere. It’s as if we act like it just doesn’t exist and it’s just become a way of life. We are in over our heads, and this too will come to a striking halt at some point if we don’t address why it’s being created in the first place. So much of it is fear driven –fear of not having what someone else has, or fear of losing what we’ve built. We are expressing fear of being rejected, and not being accepted by society’s norms, regardless if it’s really important to us or not. We’re caught up with what is outside of us, instead of focusing on what is true for us on the inside. You are in a relationship with money, and like with all good relationships, there needs to be a harmonic balance.

Start to become the observer of your financial life. No judging, just witness what you’ve created. It’s ok if it triggers an emotion, it’s part of the healing process. Just take a look. Take note of when you become fearful. What do you see? Keep looking. It’s ok to cry. It’s ok to angry and punch a pillow…get those emotions up and out so we can heal those financial patterns that we recreate over and over again that don’t support the “you” of today.

Money is energy. To overcome your financial fears once and for all, you have to tactically start to move your money into the directions that really support the new you. Your money needs to fund the intentions of your life, at this season in your life. What I’ve learned through the years is that tuning into you and taking ACTION on the real you, is the best way to work past your fears and solidify a new response system, which gives your new desired reality. It’s the only way to do it. Why? Because along the way you are shifting your energy in the present time, despite the jitters, and that makes it a new you.

I encourage you to become financially fearless!!

Gain Strength from Disappointment

Wed, 06 Jan 2021 02:29:11 GMT

In 2006, I bought a house that I thought would not only help my dad heal but extend his life after having two major strokes. In my mind, this house would be the BEST. THING. EVER! My dad would be happy, I’d be happy, it would give my family so much relief, and I would be a family SHERO. But guess what? It didn’t work out that way. My family was indifferent to my major purchase, Dad didn’t want to go stay there like I thought he would have, and I was stuck doing all the work and footing the bill. Talk about disappointment. What I imagined the outcome to be was far from the reality that transpired. That kind of let down was tough to face.

When things don’t go the way we expect them too, the sadness can lead to a momentary pity party, or hiding in bed with the covers pulled over our head for days! How we react all depends on the kind of emotional investment we have made in our goals and desires.

No matter the size of the disappointment, we have to make a decision: stay stuck in misery, or choose to acknowledge the hurt, grow from the experience and move on. It may not feel like it, but your response is within your control.

When we want something, we build it up in our minds. We fantasize and dream about the rewards that come with our desires: how good we’ll look in that new car, the benefits that will come with a big promotion, or how deeply we’ll feel loved once we get married. New and exciting life milestones seem like they should be filled with unbridled happiness, but many times they turn out to be far less than the perfect scenarios we envisioned.

If things don’t go as planned, it doesn’t mean you should abandon your hopes of being successful and getting what you want. Learning how to deal with disappointment along the way is just as important as celebrating your accomplishments.

The things that are most worthwhile in life – whether that is love, a dream career, or being a parent – rarely come easily. There will always be struggles, no matter how good you may have it. But those who are most successful know how to keep those struggles — the everyday annoyances and more significant disappointments — in their place and in perspective.

The choice of whether those stressors will tear you down is entirely up to you. Will it be hard to make the choice to thrive some days? Absolutely. But remember that continuing to take steps towards an authentic life – especially during the hard days – will create some of the most fulfilling moments you will ever experience.

Let’s go back to my purchase of that house. After years of frustration and disappointment, I decided to make a change. I realized that my expectations, and attachment to the emotional outcome I desired was doing me more harm than good. I finally decided to sell the house and let myself and my family off the emotional hook I created. It was a great decision. My investment was repaid and releasing that property, along with my expectations, opened me to a new and less stressful connection to my family.

Next time you face a disappointment, use these tips to build resiliency:

1. Try to see the situation from the perspective of an outside observer. As much as possible, detach from the situation and see if this brings more clarity and balance to your reaction.

2. Avoid negative self-talk about what happened. Thoughts like, ‘this always happens to me,” or “I was foolish to think I could make that work”, create a cycle of blame and shame that only serves to hold you back from your desires.

3. Think of personal challenges as opportunities for change and growth. Every experience is ripe for learning. By deciding that mishaps can have a real purpose, you are building resiliency.

4. Choose your next steps. Life will go on so you can adapt to the situation or chart a different course. Staying stuck in a swirl of disappointment will only weigh you down.

Clear the emotional clutter and create a space of acceptance and tranquility to allow yourself to connect fully with your inner desires. Doing this is the most rapid way to let your authentic self come to the surface.

Open Yourself to Humor & Gratitude

Wed, 06 Jan 2021 02:27:09 GMT

Some days can be tough. During the times that are most trying, it’s difficult to let go of worry, anxiety, frustration and sadness. To a certain extent, we train ourselves to keep our feelings of upset flowing. We replay endless loops of negative thoughts that keep us anchored to our problems. I know how difficult it is to look on the bright side, especially if you’re in debt or have other financial fears.

But that’s exactly when you need to keep yourself open yourself to humor and gratitude. Allowing in more positive feelings can shift your outlook and help you to make decisions in alignment with where you want to go, instead of staying stuck where you are.

Laugh more!

I laugh all the time – even on tough days. In fact, I am a veritable mirth machine! If anyone needs to find me, they can follow my distinctive laugh to my exact location. Some people try to stifle the sound of their laughter, but not me.

I let it all hang out because laughter is fun and contagious.

Some might see laughter as silly, frivolous, annoying, or even unsafe. For me, it’s a signal that I am living in the present moment, detached from the negative distractions of the world.

Whether it’s snicker, giggle, snort, chuckle, or guffaw, there’s nothing better than that light feeling that comes from a laugh.

And that light feeling has to do with energy.

Remember, you’re made of energy that’s constantly moving and vibrating. Laughter can shift dense or heavy energy and raise your vibration. At a higher vibration, you feel lighter in your physical, emotional, and mental bodies. You experience greater personal power, clarity, peace, love, and joy. It even improves your financial vibration and that can certainly make you smile.

The same is true for feeling gratitude, so I invite you to practice that too.

Can you remember the last time you took a moment to show appreciation? If you didn’t say today, there’s still time! Even if you’re grateful you don’t feel as lousy as you did yesterday, that counts!!

Finding appreciation in daily life, even when you’re upset, is as simple and quick as focusing on something that brings you comfort, joy or happiness. It could be something small, something big, or even a positive experience enjoyed by someone else. Your days are a series of choices, so why not choose happiness and raise your vibration whenever you can squeeze it in?

Life is truly a journey that none of us fully expect to unfold the way it does. It’s hectic. Full of surprises. Exhilarating. Devastating. And exhausting! As we’re rushing from place to place, moment to moment, consider opening yourself to humor and gratitude to raise your vibrational level and increase your energy flow.

Here are a few things you can do just about any time or place:

Remember a joyful experience that made you laugh.

Try to find humor in the unexpected, bizarre, or ironic things that happen to us all.

Seek out a new adventure like a yoga laughter class. Yes, that’s really a thing.

Sprinkle gratitude statements throughout your day, or before going to bed, write down five statements of gratitude.

Send a quick thank you message by text or email to others, or even to yourself when you feel the urge.

And finally, accept your reality and express gratitude for all the experiences you’ve had in life thus far because you would not be where you are without them.

3 Steps to Financial Healing

Wed, 06 Jan 2021 02:25:52 GMT

I LOVE sharing my mantra: BUILD WEALTH FROM THE INSIDE OUT!

Think about how empowering that is. When you build wealth from the inside out, you are building your financial future from a place of strength. It means you are making sure that your values, needs, goals, and desires are the driving force behind the choices you make with your money.

But how do you make that happen? Below, are three tips to start healing financially. But you have to take into account not only your financial life and how you manage your money, but also your work life, your family life, and your personal life.

Let’s look at, say, your personal life and your physical being.

It’s essential to find balance in our personal life, and that includes taking care of our bodies and minds. And I find a surefire way to both calm my mind and keep my body strong is to get out in nature. Few things are more healing for me than taking long walks along Lake Michigan near where I live.

I’m also fascinated by a rising movement called Forest Bathing. It’s been practiced for years in Japan and is now embraced in England. Even the Duchess of Cambridge has based her garden on it. (Cheerio, y’all!) Forest bathing encourages participants to slow down and feel present. It’s about allowing nature’s calming scents and sights to dissolve issues and inspire peace and calm.

Take the time to get back in tune with yourself in nature. Find a large park or head to a forest preserve. Get into that harmonic lifestyle so that you can live more in the present moment and release more of your past to create the future you really truly desire.

Let’s focus on the three steps to financial healing.

Step 1: Detach

Distractions are around us daily. Cell phones buzz with messages and calls all day. Emails are a never-ending task. And, at the end of the day when all we want to do is rest, the television winds us down until bedtime.

You’ll never be able to financially heal if you don’t eliminate the commotions taking up your attention. So, this week, take a few nights to totally detach. Unplug from the outside world and focus on your authentic self: core values, beliefs, unique abilities and sense of purpose.

This is where a walk in nature could set you right. If you live in the city, find a nearby forest preserve and take a stroll. Breathe the clean air, feel the sun on you face, notice the quiet, and marvel at the natural world around you.

Step 2: Define

Congratulations! You’ve disconnected the internet, turned off the smart phone and found a quiet place to explore. Let your mind wander to places you’d usually deem off limits. No boundaries here; the idea is to unearth everything that’s hidden.

It’s easy to pass off a particular idea as crazy or impossible, but let those negative feelings float out of your consciousness. Don’t judge what you come up with; embrace it. Define your own personal dreams and desires to determine what you’re passionate about; this is necessary to get what you really want out of life.

Step 3: Devise

Now it’s time to get a plan together. You’ve figured out your big dream. How are you going to make it happen? What will you do today? Tomorrow? Next week? Next year? Design your ideal life. What does a typical day look like when you’re living your dream?

What you just devised is a Personal Navigation Route. This is the life plan that will get you from where you are right now to where you want to be. Once you’ve defined this path, write it down and post it everywhere. Remind yourself that each day is another opportunity to live your dreams. Don’t waste one moment living anything other than your ideal life.

Nourish Your Soul. Manage your Money

Wed, 06 Jan 2021 02:23:55 GMT

How do you choose to nourish yourself? Do you seek out healthy ways to rejuvenate, or do you lean more toward distractions? Sometimes, when we’re just trying to let go and feel free, turning a blind eye to how we choose to unwind can have a big impact on our finances.

These days many of us are pushed to our limits. We face stress from work, lower than desired pay, and diminished personal connections. To make ourselves feel better, we often lurch from the newest thing to the latest thing to the hippest thing, all things external. That can be fun — sometimes too much fun because a high price tag can come with that behavior. Often times, when we chase moments of materialistic pleasure, we find ourselves far away from who we really are and what we truly want. And, when we try to buy our way to contentment, new stress arrives when we open our monthly credit card statements.

What does it feel like when you nourish yourself in a healthy way?

That answer may not come easily. When we spend large amounts of time disconnected from our true selves, we often turn a blind eye to what’s not working. That can take a toll on our personal, spiritual, physical, and financial lives. But it doesn’t have to be that way. You can nourish yourself and at the same time, build wealth.

In my book, I tell a story about my client, Jordan. He was a single, sexy guy who seemed to have the perfect dream life. He was traveling extensively, wearing designer clothes, driving a vintage Ferrari, and enjoyed a bevy of beautiful girlfriends. But beneath the alluring Instagram images, his life was a total train wreck, emotionally and financially.

Jordan’s reality was he led a very shallow life built upon a cracked foundation. Jordan had no idea how to nurture himself or what was important in his life, and his financial situation reflected that.

Jordan’s salary was in the same range as everyone else he worked with, but they seemed far less stressed about money. Once we started speaking, it became clear that he had a very common problem. Jordan grew up in a family of limited means and covered his bills from an early age. As a young man, he adopted the personal philosophy of “fake it until you make it!” Unfortunately, that reasoning perpetuated his childhood reality: the poor me Scarcity story. Being “poor” and in debt, he stayed in his job, not because he loved it but because it gave him the salary to pay most of his bills and appear to be living the high life.

Over time, work seemed more like a prison sentence—until a personal crisis in his family became his catalyst for change. Jordan finally admitted to being dissatisfied and committed to creating a happier and healthier lifestyle.

He turned out to be an eager student, happy to embrace my PACT ™ process as a roadmap toward action. He laid out a realistic accounting of his debts, current cash inflows, outflows, and assets. Within weeks, he took the steps needed to come to terms with his emotions behind money. Once he figured out his true life goals and priorities, he set up a series of financial buckets to help him monetize and energize his life. PACT™ provided him with a clear path out of his childhood’s limiting beliefs and into his own desired future.

Jordan figured out how to identify and nourish what was essential to him, which energized his entire life – including his finances.

What about you? How can you truly nourish yourself and what’s important in your life?

Finding Your Inner Guidance

Wed, 06 Jan 2021 02:22:21 GMT

Finding your inner guidance is about learning to trust your gut feeling. But connecting to that signal can be a little tricky because we are bombarded with internal and external information all day every day.

I love to sail, and trying to find the right direction (or signal) on open waters I use a nautical map. If you’ve never seen one before, the map is covered with lines of information going every different direction. Ultimately, when you learn to interpret the lines and focus on the important ones, they will guide you to where you want to go. This is similar to tapping into your inner guidance. You can use meditation, journaling, reflection, or dream work to create your map of inner knowing to direct you on your life’s journey.

I followed my inner guidance in writing my books. I never planned on being an author. I was a finance major in college, so writing books wasn’t on my radar. But my intuition started tugging at me. I knew that I needed to write a book about people’s relationship with money and how their emotions affect it. I was nervous, but I trusted my intuition. It lead me to write and publish The Emotion Behind Money. Later, when I was drawn to write Awaken Your Wealth, my inner knowing directed me to create a step-by-step process to guide people toward improving their finances and every aspect of their lives. I have been humbled by the positive response and numerous comments about how my advice is helping people to financially heal themselves.

Acting on your passions

I believe that when you set yourself on your life’s purpose, doors fly open. And I am the prime example of that. I’m a money person and never planned on writing books. But when I let go of the resistance and followed my intuition, a whole new slew of opportunities came my way. Just because I haven’t always considered myself a writer, it doesn’t mean I don’t have valuable information to share. And just because you may not be a financial professional doesn’t mean you can’t be financially savvy with what you have.

Your true calling

Maybe there’s something that has been nagging away at you. You’ve got a great idea for a business but haven’t acted on it. Or you’ve dreamt of moving to another country but have found reasons why it’s not possible. Whatever it is you think you can’t achieve, I’m telling you that you can. Writing books wasn’t part of my financial training, yet what I have written continues to help countless people heal their issues with money. When you set your intentions on your soul’s purpose, you are on the right path towards a fulfilling life.

Avoiding the crabs in your bucket

Once you have figured out what you want and start acting on it, opportunities will arise. People will see what you’re doing and offer to help you get to where you’re trying to go. But that doesn’t mean there won’t be any setbacks on the way to your ultimate goal. When things are going well, the crabs in your bucket tend to ramp it up. They try to plant seeds of doubt to trip you up. Sometimes, we let those words discourage us. Even when we’ve been plugging away and finding success, the crabs can still have a negative effect on us.

Be encouraged

No matter what your goals are, know that it is possible. If you want to buy a home this year, you can do it with some planning (and some help with automated savings). If you want to write a book, set an hour of your day aside just for writing. And if you want to create the exact career you want so you can have a fulfilling work life, you can do that too. Maintain your focus on your intuition and follow your true desires; you’ll be on your way to having the exact life you crave.