How to Create a New Financial Beginning

Julie Murphy • March 28, 2023

Blog

How to Take Your Manifestations to the Next Level

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.

< Older Post

Newer Post >

Share Blog On Social

A woman is smiling while money is falling around her.

A book titled the spiritual laws of money

Get it NOW!

Recent Blogs

How to End the Year Like the Wealthy Do

By Julie Murphy • December 10, 2025

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