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Monthly Archives

March 2013

When debt is your deciding factor, choose to change.

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

blog-imagePast debts can be like a black cloud constantly hovering over our heads. Credit cards bills, student loan payments and even our car note can turn into very unpleasant reminders of our former lives. But for many of us, debt has just become a way of life. It causes us to put money in the spotlight, along with how many hours we work, how much we make and how hard it is to get ahead.

Sound familiar?

These types of conversations are pretty popular in the media these days; even some social conversations that turn to money end up being of the “I worked X hours this week” variety. The more comfortable our society has gotten with debt, the easier it’s been for people to find a reason to get into a lot of it. Students are coming out of college with six figures worth of debt and a mid-five figure income — if they’re lucky. Yet it’s okay because “everyone has it.” If this is true, then why do so many of us have this burden of debt on our shoulders?

I’ve talked a lot about the crabs in your bucket; crabs are the people or things that pull you back down when you’ve made progress towards a goal. Often times, this is can be debt. When you allow things – or people – to be a crab in your life, you are giving away your personal power. Every time you’ve said you couldn’t do something because of your debt (weekend getaway? new dress? get married or have kids?), you gave your debt more credit than it deserves.

Don’t make debt the major deciding factor in how you want to live your life. Will your debt make some things more difficult to accomplish right now? Of course, but it doesn’t mean you can’t start chipping away at what’s truly important to you. Taking small steps towards big goals is a great way to both pay down debt and live a life you’re proud of. Start making choices that vibe more with your authentic life, and let go of the thinking that things can’t be done because of debt.

Your life doesn’t have to be run by the money that you owe. Creating a life that you love shouldn’t be defined by the one you fell into in the past. Look for small ways to make big changes in your life right now regardless of money. That could be anything from making better choices with food; changing jobs for more income and better quality of life; or picking up new hobbies and expanding your social circle.

Nothing is set in stone; your life will be dictated by your debt for as long as you allow it. This is your life, not your debt’s life. Choose to change right now in the small ways that you can, and the money situation – as well as the debt – will work itself out.


Let your freak flag fly!

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

Learn what feeds your soul and learn how to get paid for it. People who have careers in alignment with their soul’s purpose are earning large salaries and getting bonuses despite the economy. It’s time for you to live according to your authentic-self – find something you are good at and do it better than anyone else!

Find wealth in your every day life

By | Advice from Julie Murphy Casserly, Blog, Rich but empty | No Comments


Picture this: you’re financially comfortable yet professionally bored. Your personal relationships leave more than a little to be desired and you feel like something is missing. You feel like there’s a hole – you feel empty – yet on paper, everything is seems ideal.

Having money doesn’t mean you are truly wealthy, and none know that better than those who have a few dollars in the bank. It’s much more difficult to talk about what’s troubling you when people consider your life to be effortless. On the surface, your life seems great – even easy – to those around you. They write off your opinions as that of a person with little life experience and your setbacks as those of one who “has it made.” Nothing is more frustrating when the people you consider friends view your life as simple in a negative way.

But what about you? How do you feel about where you are in your life right now? No matter what material success you can claim in this world, no one’s life is easy. That includes yours. Creating wealth requires a lot of sacrifice, determination and vision. That’s why there are tons of finance books out there dedicated to making your first million or getting rich in 30 days. Maintaining and growing wealth, however, are tasks just as difficult and time intensive. You don’t just move onto Easy Street when you have X amount of dollars in the bank; we still must invest time into our emotional growth and satisfaction.

Action step

Be rich in what you value, not what society values. Like I said before, having money and being wealthy don’t always go hand in hand. What do you love? What makes you laugh with childlike enthusiasm? What excites you?

This week, spend time exploring hobbies, interests and other activities that you truly enjoy. Delve into your free time with the same focus that you do in business. Take seriously those hobbies that you squeeze in between business meetings and must-do tasks. Money doesn’t equal happiness, but having money puts you in a unique position to create something better for yourself immediately. Delve into your enthusiasm – your happy place – and create a life that’s both rich and wealthy.