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Monthly Archives

January 2011

Don’t have a budget. Set a strategic plan.

By | Advice from Julie Murphy Casserly, Blog | No Comments

As we settle into the new year, there is a lot of talk out there in the webisphere about the “B” word – budget.  The thing is, once people hear the word “budget”, they freak out.  It’s a scary word that for many people brings up fearful and guilty emotions.

We’re not going to talk about the scary “B” word; because I’m going to give you the “no budget plan”.  Approach your life with a strategic plan.   A budget only takes numbers and your financial life into account.  A strategic plan takes your whole life into account – financial, work, personal, family and more importantly, your life’s purpose.    A strategic plan is setting intentions for all facets of your life and moving towards them.

Here are my 4 steps to the “no budget” plan.

1-PICTURE WHAT YOU REALLY WANT Ask yourself what do you keep saying you want in your life but never happens?  Is it a vacation, no more credit card debt, etc.?  It doesn’t have to be practical.

2-AWAKEN YOUR PASSION AND PURPOSE Make a conscious effort to move your cash flow toward the items that you really truly love and want in your life.  This will make you feel happier and make you stick to a specific financial plan.

3-LET GO OF THE GUILT Understand that it is ok that you have debt, or don’t have enough money to take a vacation.  Don’t beat yourself up about it or let these negative thoughts keep you from implementing a new plan.

4-CREATE A STRATEGIC PLAN Create a plan to express your authentic self in your financial behavior.

So don’t be afraid!  Create your strategic plan and start moving your whole life in the direction you want!

Positive actions for a healthy relationship with money.

By | Advice from Julie Murphy Casserly, Blog | No Comments

In the past,  I’ve talked about the five ways women sabotage our relationships with money. We find reasons to spend when we don’t need to, and we are constantly thinking about the other people in our lives before ourselves. In order to have a healthy relationship with money, we need to counter those negative thoughts with positive actions.

Instead of putting others needs before ourselves, we should take care of us first.

There’s such a negative connotation with putting ourselves first. But doing things to take care of you doesn’t at all make you selfish. When you get a daily workout in, cook healthy meals, sleep a full eight hours or take time out for mediation, you’re doing good things for yourself. By being good to you, you can better help others.

Instead of spending on what we think we need, we should first consider why we think we need it.

We get caught up in fitting in with coworkers, friends, neighbors and families that we don’t stop and really think about what’s happening. Think about it; do you even like half the things you buy just to “keep up with the Jones’”? Probably not, right? Rather than spending to belong, accept who you are! Once you get in touch with your true self, your money habits will be more in line with who you really are.

Instead of treating ourselves through excessive spending, we should first consider our long-term goals.

We’ve all been there. It was a rough week at work, and now we want to do something nice for ourselves for getting through it. So we go on a shopping spree and then have a great dinner out with friends. Then we realize how much we’ve spent, and we freak out. Recognize your spending patterns when you’re in “celebration” mode, and think about the long-term effects of your actions. Mostly likely, that handbag won’t be worth your peace of mind.

Instead of listening to the crabs in our bucket, we should not allow them to feed our insecurities.

The “crabs in your bucket” have one objective: to bring you down. They may say it lovingly and call it “constructive criticism”, but you know their true intentions. You let the crabs succeed in their mission when you allow what they say to halt your progress. But you are better than that! You know what you are capable of, and so do your crabs. Show them – and yourself – what you’re made of.

Instead of ignoring our dreams and desires, we need to go after them.

I know. Thinking about your dreams is one thing, but going for them is another. It’s intimidating to think about what you have to do in order to bring those desires to the surface. But you can absolutely make your dreams reality. You know what it takes? One small step towards your goals each day. That’s it. Moving towards you goals daily puts you in the mindset of success. Once you’ve got the right mindset, you’ll stop sabotaging your relationship with money.

Top 5 ways we as women sabotage our relationship with money

By | Advice from Julie Murphy Casserly, Blog | One Comment

I’ve come to believe that most unhealthy financial behaviors result from emotional conflict or unrest within the individual.  Now is the perfect time to understand how you might be sabotaging your relationship with money. Knowing why you’re spending will help you get in touch with your heart’s desires. And it’ll create a vibration of harmony and abundance in your life.

First, let’s look at a few reasons we sabotage one of our most important relationships in life. Read More