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Mastering Your Money While Leading With Your Heart

Julie Murphy • Jul 02, 2024
How to Take Your Manifestations to the Next Level

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.

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Building Financial Stability from Within

By Julie Murphy • 03 Sep, 2024
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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

By Julie Murphy • 03 Sep, 2024
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

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