Money as energy: directing your financial flow

Julie Murphy • April 21, 2011

Before I can sit down with someone and talk dollars and cents, we have to deal with the underlying issue of why. Why are their money troubles so severe? Why did they spend so much and save nothing? And why are they ready to really change now?

I know when someone is ready to make a permanent change. They’re focused on improvement; they know that it’ll take more than just cutting back here or there. It’s a change in their heart’s desires. And those who have decided to go with that change have a positive money energy.

A positive money energy enables your attitude of abundance. It’s what keeps you in check financially when other areas of your life aren’t going that well. And the more positive that energy is, the less you’ll dwell on how little material wealth you have or how to acquire more.

Want to know how to get some good money energy? Read on.

Focus on the positive

It’s easy to let negative thoughts overtake you, especially when you’ve become accustomed to only seeing the bad. So when you are feeling down, take a moment to focus on the positive. Thinking negatively will only lead to bad choices and financial sabotage.

Instead of allowing the negative things to cripple your money energy, focus on the positive. Look at your savings to actually see your hard work. Being proud of what you’ve accomplished so far keeps your money energy at a premium.

Don’t be a victim of your circumstance

As easy as it is to focus on the negative, it’s equally convenient to blame everyone or everything else for your current state. You had to buy a friend’s wedding gift! You had no idea your furnace was going to go out! Your transmission blew on you, and that wiped you out.

Take a second and think about those excuses. Yes, life happens. You never know when things will go wrong, and you’ll need to spend three or four figures to get an important thing fixed. But that shouldn’t mess with your energy. When you have a positive money energy, you’re constantly saving for the short-, mid- and long-term situations. Being a victim of an unexpected circumstance is a lot harder when you planned for emergencies.

Be open to the movement

You won’t be at your very best every moment of each day. Some days you’ll be tired. Other days you’ll run into rough spots, like an inconvenient flat tire or nasty remark from a coworker. The key to not letting those moments get you down is to knowing that your energy is constantly moving. A dip in energy is normal, but allowing that dip to turn into a long-term mindset of negativity is where many people go wrong.

When you let yourself stay in that low place, you aren’t open to the eventual energy rising. You can’t always have this high, positive energy; but don’t let that devastate your progress. Maintain a level of awareness – a level-headedness about where you’re at. And always be ready to go with the flow of your energy levels.

Tags: money energy, energy of money, emotion and money, psychology of money, emotion behind the money, Julie Murphy, Chicago personal finance, Chicago financial planner, Chicago women entrepreneurs

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How to End the Year Like the Wealthy Do

By Julie Murphy • December 10, 2025

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