Financial forgiveness

Julie Murphy • August 3, 2012

The finance industry has been inundated with talk of forgiveness lately. Student loans are being forgiven. Big banks are being bailed out. And Wall Street has seen a good amount government support these past few years. All around us, people – from the little guy to the biggest business – are experiencing financial forgiveness.

But what about you? Sure, you’re probably not going to get a bail out any time soon. And your relationship with Sallie Mae has serious mileage left before your student loan is forgiven. Long-term financial forgiveness is one thing, but the type of forgiveness I’m referring to is much more dyer in your day-to-day life.

Picture this.

Monday morning. You’re zipping through the house making sure the kids are up and moving, clothes are clean, the dog is walked and food is ready for breakfast. Then, it’s off to drop the kids off at their respective schools before you make the trek to start your work day.

In the midst of the chaos you eschew breakfast, grab coffee on the way to the office and choose to go out to lunch instead of making one at home. After a long day of work (with a few breaks for some online shopping), you’re too tired to cook so you pick up the kids and order take-out for dinner.

Sound familiar?

We’re a busy bunch, and it’s very difficult to find the time to make it all work and stay sane. So when we check our bank balances after the bills are paid, the kids are squared away and we’ve done our daily spending, we’re a little embarrassed that the account is so low. We know that it was our actions that led us to this point, but we’re still upset with ourselves. We’re smarter than this, right? But month-after-month, we find ourselves in this same situation.

I talk a lot about being conscious of what you’re doing with your money each day. After all, going after your ideal life is a lot tougher when you don’t know exactly where your current one resides. So when you go through your current financial situation and uncover what your real financial habits are, don’t bury those negative emotions; bring them to the surface and let them heal naturally.

Don’t judge your choices; remember, you are human and you make mistakes. Don’t be ashamed or embarrassed; we’ve all had moments of excess. Instead of making changes from a place of shame, blame, judgment or guilt, come from a place of forgiveness.

Action step

As we’re inundated with messages of big bank bailouts and student loan forgiveness, it’s time to start forgiving ourselves for our financial mishaps – those out of our control and those within our own grasps. Start practicing financial forgiveness in your own life. Stop looking at your big picture as one financial failure after another and choose instead to view it as lessons learned.

This week, focus on financial forgiveness. Don’t beat yourself up over that spending spree. Instead, forgive yourself and come up with a better financial plan for your fun money. Financial healing and financial forgiveness go hand-in-hand; forgive yourself for your mistakes and the healing will soon follow.

The post Financial forgiveness appeared first on Julie Murphy.

< Older Post

Newer Post >

Share Blog On Social

A woman is smiling while money is falling around her.

A book titled the spiritual laws of money

Get it NOW!

Recent Blogs

The Life You're Waiting For Is Waiting for You to Wake Up

By Julie Murphy • August 4, 2026

What if nothing is wrong with your life? What if the frustration you feel... The anxiety around money... The constant striving... The feeling that something is missing... Isn't a sign that you're failing. What if it's simply your soul trying to wake you up? So many of us spend our lives searching for the next thing we believe will finally make us feel whole. More money. A different relationship. A better job. A healthier body. Another vacation. Another achievement. Another finish line. Yet somehow, after every accomplishment, that feeling quietly returns. "There has to be more than this." And there is. Not because your life is lacking. Because you've been taught to look for fulfillment in places it was never meant to come from. One of the greatest lessons I've learned is that life is always working for us, even when it doesn't feel like it. Every challenge... Every financial struggle... Every relationship... Every fear... Every success... They're all invitations. Not punishments. Invitations to become more aware. Because awareness changes everything. You can't transform a belief you don't know you're carrying. You can't heal a wound you refuse to acknowledge. You can't create a different future while living from yesterday's programming. This is why I don't believe true wealth begins with your bank account. It begins with your awareness. Money simply magnifies the relationship you already have with yourself. If you believe you're not enough... No amount of money will ever feel like enough. If you don't trust yourself... It won't matter how much financial security you create. You'll still feel uncertain. Real wealth isn't something we earn. It's something we uncover. It's been within us all along, buried beneath years of conditioning, fear, expectations, and stories that were never ours to begin with. When we begin clearing away those layers, something beautiful happens. We stop chasing. We start creating. We stop reacting. We begin choosing. We stop living from fear. We begin living from love. That's where abundance begins. Not outside of you. Inside of you. That's why I created the 21-Day Wake Up Wealth Challenge . Not to teach you how to make more money. Not to convince you that positive thinking changes everything. But to give you space. Space to slow down. Space to become aware. Space to notice the patterns you've been living from without even realizing it. Over the course of 21 days, you'll begin seeing yourself differently. You'll explore the beliefs shaping your financial life. You'll reconnect with your intuition. You'll learn how your emotions influence your decisions. Most importantly... You'll begin remembering that you already have everything within you to create a life that feels aligned, peaceful, and abundant. The challenge isn't about becoming someone new. It's about coming home to who you've always been. If your heart has been whispering that it's time for something different... Listen. It may be the beginning of everything. I'd love to walk this journey with you. Because your greatest investment has never been in the stock market. It's always been in yourself. And when you awaken that relationship... Everything else begins to change. With Love, Julie P.S. Sometimes the biggest transformation doesn't happen because life changes around us. It happens because we finally become aware of the life we've been creating, and realize we have the power to create something new. If you're ready, I'd love to have you join us for the 21-Day Wake Up Wealth Challenge.