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Monthly Archives

November 2013

Empower Your Money

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

blog-imageLet’s talk about priorities. Financially speaking, what you do with your cash directly affects your life in several ways. Of course, your day-to-day expenses and monthly bills come from that well. And then there are the fun things: dinners with friends, weekend get aways, the yoga classes, etc.

When you’ve paid your bills, put some away for savings, and had a little fun, what do you do with the rest of your money? Or, more importantly, do you have any money left? That’s why this week, I want to talk about empowering your cash flows for the things in your life that you’ve been dreaming about.

Your dreams don’t have to just be something that “would be nice to have one day.” No. Dreaming about things you’d love to pursue or are passionate about can actually be a great start to a more financially directed path. And as you start to go after the things you love and attain them, you’ll realize that those dreams can evolve into something that you weren’t expecting when you first set out for them. I should know, because it happened to me.

I’m truly passionate about sailing. In 2012, I decided to sell my sailboat. I know what you’re thinking; why let go of something that I not only worked so hard to get, but also love and am passionate about. Because my priorities changed. I had two toddlers at the time and a third on the way. It was time to spend the time at the beach with my children and not on the boat with the grownups. I decided to become focused on my children.

Did this mean I gave up my dreams? Not really. Nothing is more valuable to me than being a mother. And spending time on the beach with my kids instead of on the sailboat allowed me to live out my dream of being with the people I love the most.

Here’s where my dream of sailing never actually died. I didn’t choose to give it up totally; I chose to give up paying for it monthly. What’s the difference? For Mother’s Day, I received a Groupon to sail all summer long. And guess what? I didn’t have the $2,000 per month boat payment coming out of my cash flow.

Action step
So you’ve decided to make one of your dreams a priority in your life. You’ve set the intention for your cash flow, empowered it to create space and have found yourself in possession of whatever dream you desire. Now what? Ride the wave. Enjoy what you’ve created, but be open to letting your dreams shift.

As humans, we’re constantly evolving. I want to tell you that it’s totally fine to work incredibly hard to make a big dream happen. It’s also okay to get that dream, enjoy it for a bit, and realize that you need a change. Our dreams – our lives – are constantly shifting; this week, I want you to take a look at where your life has taken you since you’ve made your dream come true. Are you still in the same space for that dream, or is it time to move in a different direction and focus on a new and improved dream?

Remember when I shifted my dreams to be more aligned with my life now, I still got to feed my heard while reducing my cash outflow. It’s about looking at your money and your dreams through a different lens. The package may not come how you expect it to roll, but you have to feed your heart while also reducing financial drama.

Holding Boundaries Creates Space

By | Vlogs | No Comments

Holding boundaries with those close to you can be one of the toughest lessons you learn. It’s difficult to say no to someone you care about, but what you don’t realize is that it serves a dual purpose. It allows you to make space for yourself to manifest what serves your best interest, but also gives the other person the opportunity to rise to expectations. It won’t come naturally at first, but once you see the benefit of creating boundaries and holding others to them, you’ll eventually learn the long-term benefit that gives you the space to focus on your soul’s purpose.

November 12, 2013

By | News | No Comments

Introducing ChooseTo.com
We are constantly surrounded by financial experts telling us what to do with our money. The constant stream of advice comes out more like commands which leave us feeling paralyzed with only one option for our money. But when it comes to finances, one size does not fit all. Now is the time to be empowered by your money. And I believe in making financial choices that both improve your current life and fix your past one.

That’s why I’ve decided to start a new movement/campaign: Choose To. Let go of being a victim, and Choose To survive and then thrive. Dispense the crabs in your bucket and Choose To surround yourself with positive and encouraging people. Release the negative emotions you have about your money and Choose To see it at as a vehicle. The things you desire are within your grasp; it’s time to Choose To achieve them.

Choose A Happy Holiday Season

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


It’s the beginning of November which means holiday spiced coffees, the excitement of spending time with family and friends and the beginning of that yearly holiday spending spree. From holiday travel plans (those flights aren’t going to pay for themselves) to Secret Santa’s to making sure there are enough gifts under your own tree, this season brings so much joy – and so much stress; especially for those prone to charge now and pay – and stress – later.

Is this you?

As a financial planner, I deal with debt a lot. Like most young people, I came out of college with debt and created more throughout my twenties to just keep up the pace. It’s an overwhelming and sometimes down-right depressing cycle to find yourself in. You want to do all the things your friends and family are doing – especially during this very special time of year – but you don’t want to dig a hole deeper than the one you’ve already created. When the holidays are over and all is said and done, we know what comes next. With overspending always comes the self-imposed guilt.

“I should know better than this.”

“I didn’t have to buy that purse. Why did I do that?”

 “No one else would have gotten that if they were in my situation.”

It’s time to stop. All of it. Stop maxing out the credit cards with no plan to soften the financial blow. Stop dipping into your savings to buy “just one more thing.” And, most importantly, stop beating yourself up over doing things that most of us have done at one time or another.

One of the most useless human emotions is guilt. Guilt is saturated in judgement and negativity. Why are you inviting those feelings and thoughts into your being? Just because you’ve made a few mistakes doesn’t make you a bad person, it makes you human. There is nothing you’ve done financially that can’t be fixed with some targeted moves in a different direction. A direction that moves towards the financial life you desire. It’s more than possible, and all you have to do is choose to make your financial health a priority.

Action step

It’s never too late to make the financial changes you need to make in order to get that life you desire. Spend time over the next few days looking at your financial habits. Where is your money going? When are you most prone to spend? What feelings are associated with what purchases? Write down the answers to those questions and think about how those answers make you feel. Next, look at what makes you the most nervous about these next two months. Is it maxing out your credit cards? The interest rates? Getting the bill? Or is it dipping into a savings to buy a coworker a gift that – let’s be honest – you’re not even that invested in?

It’s still early enough in the holiday shopping season to set up a good financial plan. Look at the last few months of bank statements and determine where you’re spending your money. Figure out what you can adjust without completely limiting your daily life. Then devote a few hours to laying out a plan of attack; determine how much money you’re comfortable spending this season and start setting aside money from each paycheck to put towards that total. This will allow you to comfortably manage your cash flow while still being able to enjoy the holiday season without maxing out your credit card, depleting your bank account or feeling the full effects of the “holiday hangover.”