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Monthly Archives

May 2013

Find harmony to achieve your dream life

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

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Dreamers sometimes get a bad rap. Family and friends don’t always understand the big ideas you have, and they definitely don’t see how you plan to implement them. But I don’t believe that’s a fair assessment. I believe that dreams are an essential part of determining your ideal life. Our dreams help guide us towards the things that we truly desire.

So, what kind of dreamer are you?

You may constantly have new ideas on ways to improve your life like starting different businesses or pinning new travel destinations. Maybe you have a specific dream that won’t go away like relocating to a new city and changing careers. Or maybe, you just dream to dream; you view it as an escape from your daily life and you love the thoughts that pass your mind.

Whatever category of dreamer you fall into remember that there’s nothing wrong thinking about other, loftier options. You were given those desires because you are capable of achieving them. Sure, it may not sound possible now – having (and affording) another baby, opening that bakery, writing that great American novel – but most thing truly are achievable with some life organization.

You see, those dreams come from your core and they’re a direct reflection of your authentic self. All the other area of your life – personal, professional, family and financial – surrounds that core. When your family life is aligned with your true self, you don’t let their opinions about you determine what you do or believe. Your work life will no longer be the defining factor of your purpose. Your personal life will be in harmony with your true desires, so you will pursue actually pursue those lofty goals and “over-the-top” dreams.

When your financial life is guided by your true self, you won’t surrender your personal power to money. Happiness will no longer be something you can purchase, and the value you place on yourself will have nothing to do with the dollar amount in your bank account. A bonus here is that you will have the money to fund those dreams because your relationship with yourself and your money will be healthy enough to make that happen.

Remember, you achieve the right relationship with your core when you allow the four areas of your life to function in sync with who you really are. Dreaming allows you to discover the best part of yourself. The dreamer in you should work in harmony with every other area of your life in order to turn those thoughts into actions and then into your reality.

Minimize your debt: Set Boundaries

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

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What’s more American than debt? From the bottom to the top, the majority of us know a 25-year-old law school grad with over $200k in student loan debt and someone twice their age owing $300k or more on a mortgage. Even our country champions debt; America’s trillion-dollar debt will never be paid back.

Debt is a way of life.

Many of my clients are pulled both ways. They’re taking care of both their aging parents and their soon-to-be college-aged children. And let’s not forget about their debt; mortgages, car notes, student loans of their own and credit cards are part of their monthly expenses.

Does this ring true in your life?

This week, I want to talk about boundaries. All of us have a lot on our plates, you included. We’ve got kids growing up seemingly at the speed of light. Our parents are getting older, sicker and needier. Work obligations. Friendships to maintain. Church commitments.

Maybe a part of the reason why we’re drowning in debt is because we have trouble setting boundaries.

Picture this. You have a few low-interest credit cards you pay off at the end of every month. You spent a few years working on paying down your student loans, and now you pay a little over the monthly minimum to finish it off. Your mortgage is reasonable, your car is paid off and you have enough disposable income left over to live comfortably.

Now think about you. Is this what your financial life looks like? Is this what you want it to look like? Consider setting some boundaries. Start saying “No” to things that don’t fit into your ideal financial life. Spend a few hours deciding what you want your ideal financial life to look like, then spend the next six months to a year living that ideal.

It’s time to place a premium on yourself. Remember your worth; the people who truly care about you will understand if you turn things down for a few months. Saying “no” to things for a few months is a good reset not just financially, but personally as well. Discover what you truly desire, what your ideal really is. Setting boundaries is an important choice during this phase of your life for you, your life and your debt.