Be Aware of Your Fears

Fears. Who’s got them? My guess is most of us. They come and go over time, sometimes with more intensity and sometimes less. Why? This fear comes from your past relationship with money, which comes from conditions in the families and communities we grew up in. We learned emotional response systems from those we started our lives with and continue to attract those that reinforce those limiting belief systems. We’re more stuck in our daily groves, with the appearance that it is harder and harder to change the more time flies by. But, I’m here to tell you, you can make great things can happen, no matter what age you are, how many failures you’ve had, or how many people are counting against you. I know, because I’ve done it!


All you need is for the real you to show up and to recognize that these disruptive patterns keep persisting in your life. Then, consciously choose to start dissolving them.

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Are You Tied to a Financial Lead Balloon?

A dear friend of mine, Susan, said to me, “Julie, I sold my house and I bought my freedom!” We are taught to believe that buying a house is the American Dream, and for many of us, it may very well be.  But, if you face the monthly stress of a home mortgage you can’t really afford, you’re holding the string of a financial lead balloon. Financial lead balloons are items we purchase that look good on the outside, but in reality, they weigh us down and rob us of our personal and financial freedom.

Why do we make these choices? Because there is always Emotion Behind Money. What we do is driven by how we feel, both consciously and unconsciously. When we open ourselves to these emotions and take control, we can heal our financial past and move toward building real wealth. If you aren’t where you want to be, financially, personally, or otherwise, you need to forgive yourself for where you’re at. When you forgive yourself, you create space for the new to come in. And, when the new comes in, it will often surprise the heck out of you!

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Happy Money and LOVE

You may already know this…. the #1 source of conflict in marriages and the biggest cause of divorce is money.

Why?

According to my dear friend, Ken Honda, author of Happy Money: The Japanese Art of Making Peace with Your Money, it doesn’t have to be this way.

Ken is a bestselling author (over 7 million books sold around the world!) who has spent years helping the people of Japan heal their relationships with money and become more abundant and peaceful.

Why is money such a big issue in relationships?

According to Ken it’s as if you & your beloved grew up in different countries when it comes to how to handle money.

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The 3 Most Important Things To Making More Money

The FIRST step to making more money is an inner mindset shift.

A decision.

In order to make more money, you must decide to get in the game. Part of getting in the game is choosing to have more money in your life. I have seen many folks on the spiritual path who haven’t made this decision, deciding that money is not so important, and thus struggle in this area.

Money is an important facilitator for life experiences. In order to build temples, hospitals, schools, you need money.

In order to feed the homeless, provide clean water, or simply pay the rent requires money. There’s only so much prayer you can give to your landlord to cover your rent! There’s only so much prayer you can feed a starving child in Africa.

I believe that those people with awakened consciousness will only use the money they have in more impactful ways. So make the decision and use money as a blessing.

SECONDLY, being rich is not simply a matter of how much money you have in your bank account. But how you feel about yourself, and how you feel about what you have.

Being rich is being connected to who you really are. As you connect to the real you, you realize that what you really are is infinite and priceless. You can have all the material possessions in the world, but if you don’t have YOU, then you are poor.

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Adapt Your Way To Success!

Whenever I happen to catch a nature program on TV, it always strikes me how the animals that are the most successful in their natural habitats are the ones that are the best at adapting – oftentimes at a moment’s notice – and it’s a brilliant reminder that the same is true for humans. I see, time and time again - through my own experiences as well as those of my children and coaching clients – that the more adaptable we can be, the better we’re able to navigate through whatever challenges might come our way. The messages are all around us on a regular basis encouraging us to: “expand,” “get in the flow of life,” “detach from outcomes” – all just slightly more “woo-woo,” esoteric ways of asking us to be more adaptable to our current situations, so that we can feel more success and joy in life.

So much of our ability to adapt and go with the flow, however, depends on letting go of all the should’s in our lives: “I should be farther along in my career by now,” “I should have more money in the bank,” “I shouldn’t be in debt ” This type of self-talk just ends up keeping us stuck, not to mention, down in the dumps. If the shoulds are bogging you down – well it’s time to kick ‘em to the curb!

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Adapt Adapt Adapt: An Important Key To Life!

When it comes to living a happier life, adaptability is a key ingredient. I see its value all the time – whether it’s with my kids, my coaching clients, or through my own experiences. The messages are all around us: “expand,” “go with the flow,” “detach from outcomes,” “let go of resistance” – all just slightly more esoteric ways of asking us to be more adaptable and accepting of our current situations.


Accepting ‘What Is’


So much of our ability to adapt depends on accepting where we are in our lives. If we can accept the reality of our situation, warts and all, rather than fighting against it, it frees us up to move forward with creative solutions.


To this end, I love reading the bedtime story, You Get What You Get by Julie Gassman, with my kids. One of the lines in the story, “You get what you get and you don’t throw a fit,” has become a popular family mantra. It’s a great reminder to my children about the importance of accepting ‘what is’ and adapting to the way things are when life takes an unexpected or unwanted turn. We can all take a page from this children’s storybook.

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Financial Fears: Claim your personal power & your dream job

In my last blog, we talked about financial fears and conditioned belief systems. Did you take some time to visualize yourself in that future you desire? When it comes to a job, it can be scary to make a move. Even if we aren’t happy, we’re still getting that paycheck, right? Well, you can have both the joy and the paycheck. Let me share a story of someone who faced this job situation head on.

Someone close to me was in a good job. It was stable, income was decent, she liked most of the people she worked with, but her dream job posting had come to her attention. She found out that they were considering three people inside the company for the job. She would be the only outsider considered for the position. It would have been easy to give into her fears and do all that negative self-talk of the low odds of her actually being picked since she didn’t already work there or have any relationships with those she’d be interviewing with. Blah, blah, blah….. I told her that was a bunch of hogwash. If you believe it, then it will be true.” She felt like the underdog, she was younger, an outsider and she didn’t have as much experience.

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Your Unconscious Thoughts May Be Blocking Money

Does it ever feel as though you can’t get ahead financially no matter how hard you try?

It’s the code you’re operating in at any given moment that controls your projections and perceptions.

We each choose our own code and our choice of code is frequently triggered by an unconscious program that blocks or limits success.

Our entire life experience can change instantly with the removal of these unconscious blocks.

What’s causing you to block money in your life?

In order to find out, you need to be able to neutralize the old programs around money that are still running in your unconscious and delete their effects.

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How to Achieve Financial Freedom

If you truly desire financial freedom, you must break the ego mind’s hold over your life.

In fact, true success in every area of your life… relationships, work, finances and health require ego mind training in the high frequency attributes of integrity and trust.

The lack of integrity in the world of business and government is so widely known and deplored that sometimes “corporate integrity” is called an oxymoron. The Global Financial Crisis was triggered in 2008 by a systemic lack of integrity in business, financial and governmental institutions.

Financial challenges can be overwhelming. Ask yourself these questions:

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Financial Fears: Let go of old belief systems and conditioning.

Who’s got them? My guess is most of us. They come and go over time, sometimes with more intensity and sometimes less. Why? This comes from our past conditions in the families and communities we grew up in. We learned emotional response systems from those we started our lives with and continue to attract those that reinforce those belief systems. We’re more stuck in our daily groves, with the appearance that it is harder and harder to change the more time flies by.

I’m here to tell you, anything can happen, no matter what age you are, how many failures you’ve had or how many people are counting against you. All you need is the real you to show up…and to recognize why these patterns keep persisting in our lives.

Think of it like this; years ago, I was watching a cooking show. Not one with a huge celebrity chef but a show that brought in everyday people to share their family favorite recipes that had been passed down for generations. This young woman in her early 20s was picked and she was so excited to share her great grandmother’s baked ham recipe. As she prepared the food on live TV she was very methodical going through things step by step. The host that day asked her, “Why are you cutting both ends off the ham before you put it in the oven?” The young woman responded, “I’m not sure, that’s just how we’ve always done it in our family.”

As she continued preparing the ham to go into the oven, the host was still perplexed as to why she cut off the two ends of the ham, and then tossed them into the garbage. The host challenged the young woman. She said, “Can we call your Mom and ask why you cut off the edges and throw them away?” Of course, the young woman agreed. They called mom and she said, I’m not really sure, let’s call grandma. “Grandma, can you tell me why we always cut off the ends of the baked ham when we do our family recipe?” Grandma stated, “I don’t know, that’s just how my mother taught me.” Her great grandmother was still alive and the host asked if it would be ok to make this third phone call to great grandmother to solve the mystery.

Great grandmother was happy to take the call, at age 92, and said, “Oh sweetheart, I cut the ends off the ham because the pan I used for years was too small to fit the whole thing.” Can you believe it? Really! Four generations this recipe got passed down and they were cutting off the edges of the ham and throwing them in the garbage all because great grandmothers’ pan was too small. Crazy!! This is a simple example of how patterns stick in our lives and we don’t even know why and ask if the reasoning is even relative to today.

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Shift From Disappointment

If you want to knock yourself out of alignment – mentally and emotionally – dwell on your disappointments. Keep replaying in your head what you should have done. Don’t let yourself accept that promotion you were passed up for. Continue to hold onto shame and judgement about the way your divorce physically manifested itself in your life.

And never, ever forgive yourself for the mistakes you made one, three, five or even ten-plus years ago.

Because, you know what, you deserve that. You deserve to have a cloud hanging over your head for the rest of your life about the way you handled the disagreement you had with your sister a few weeks ago. Good things shouldn’t happen to the kind of people that say things they don’t mean in the heat of the moment. And all the time you wasted when you were younger dating the wrong people, pursuing the wrong career and building relationships that ended up being exactly the opposite of what you needed? That time wasn’t well spent because it’s not like you learned anything for those experiences.

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Align Your Spending with your Heart Space

There’s a lot to be said about a person who listens to, adheres by and acts according to their gut. For a lot of us, that gut feeling isn’t enough to make a decision. We need facts. Research. The probability of something bad happening. So we exercise restraint when it comes to our most valued decision‐making assets: our intuition.

When was the last time you made a choice that resulted in something negative? Maybe you took a job opportunity that you thought would pan out differently ‐ even though you had a feeling that it may not be a good idea.

As women, we are the masters of ignoring our gut and instead going with our heads. And as a business owner with a financial practice, I understand that there is a time and a place for using your head over your heart when it comes to help with money. I practice conscious spending for myself and I teach that to my clients. But I also stress the importance of aligning your spending with what’s in your heartspace.

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Get On And Stay On The Path To Financial Abundance

As a financial advisor who believes in building financial abundance from the inside out, it’s my hope that everyone discovers financial happiness by opening their eyes to the possibilities of a new reality– a reality filled with a combination of prosperity and inner peace. Below are some of the financial insights I have learned over the years by really digging deep and understanding my clients.

•  Be true to yourself–Answer this question: What is the most important thing in your life? Is it your spouse, kids, siblings, parents, your health, career, hobby, pets? Now think about how you are currently living your life. Are the two consistent? Many of my clients live a life of inconsistency and they could manifest happiness (and wealth) much faster if they had listened to their inner compass.

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Make Room for Financial Grace and Abundance

Financial grace is all about creating space in your life to live in the present moment and plan for your desired future. Being happy with where you’re at and where you’re going by aligning your finances in accordance with your life goals.

This however, can be difficult when your cash flow and energy is spent on past choices, like credit card debt. Our lifestyles often pigeon-hole us into a position where we feel stuck. We are surrounded with feelings of stress, regret and worry because of the heavy pressure to make up for our past financial choices.

Let’s choose to make it our mission to make decisions that empower us and help us to regain our personal power with money. Financial grace can only be achieved when we create physical, mental, emotional, and financial space to allow the positives to flow gracefully to you.

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A Reason To Celebrate Today

When you look over the past twelve months, what is the first thing you feel? Joy or frustration? Accomplishment or disappointment? Excitement or dread? Or is it a combination of two or more of some opposing feelings?


Life is full of peaks and valleys, so it’s completely normal to look back on your past and have mixed emotions. Bad days, weeks or months eventually make way for the good times. Taking all of that into account results in a year recognized only in moments – major moments that changed your life for better or worse.

Whatever it is you are feeling now about the past, present, and future, I want you to take a moment to do these three things:

  • Make peace with it.
  • Embrace it.
  • Plan to either grow or change it.


If you look back on the previous twelve months and only see a succession of choices that resulted in negative outcomes, make peace with it.

  • Maybe you lost your job.
  • Took a big risk that left you in the red.
  • Went through a nasty divorce.
  • Lost a loved one.


Whatever happened, find a way to make peace with it. If you’re still struggling to get back up from bad experiences, don’t get too down on yourself. We all heal at different paces. Remember, life isn’t a race. Take the time you need to lick your wounds. Cry. Get angry. And when you’re ready, make peace.

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The Spirit of Giving

For 11 months out of the year, we focus our energy on working, raising the kids, maintaining our relationships – both romantic and platonic, and trying to live as balanced a life as possible.

In the midst of juggling all of these responsibilities, we go through periods of neglecting and/or feeling neglected by our significant others; feeling under-appreciated by our immediate family; emotionally and physically distanced from our closest friends; disappointed with what’s going on at work; and disconnected with the most important person of all: ourselves.


Between Thanksgiving and New Year’s Day, we find ourselves adding time, energy and money exponentially to all the people we didn’t get to spend as much time with as well as the ones who are the most important. We celebrate the season with countless holiday parties, grab bags and Secret Santa gifts. Ugly sweater parties and “catch up” drinks with friends we rarely get to see.

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5 Healthy Financial Habits That Foster Wealth

“Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.” 

~William A. Ward

Many women that I’ve met in my life seem very afraid of money and wealth. It’s as if they’d rather do anything (ANYTHING!) than check their bank balance. They seem to fly by the seat of their proverbial pants letting either emotion or circumstances take control of their finances until it’s too late and they find themselves suffering the consequences.

Hopefully, that’s not you. But if it is, know that you’re certainly not alone! Take a moment to ask yourself why is that? Why are women typically less able to effectively manage their finances and accept the abundance and wealth that is their inherent right?

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3 Wealth Lessons I Learned After Becoming a Millionaire

I actually became a millionaire quite suddenly, almost overnight. If you’re wondering how to become a millionaire or want to be a millionaire one day, you may find it helpful to learn these lessons.



“Money is usually attracted, not pursued.” —Jim Rohn

As a result of becoming a millionaire so fast, I didn’t have a lot of time to adjust to suddenly having much more money than I was used to. It happened very fast after the success of the first  Chicken Soup for the Soul book took off.

That experience taught me 3 powerful lessons about money and being a millionaire.

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Define Your Life

We’ve all met this person: all they can talk about is their professional life. How busy they are at work. Their latest promotion (or their quest to get one). Their job title. All of us know someone who is defined by their job. Sometimes, this person is a lot closer than we think.

 

It’s us.

 

Does your job define who you are?

 

It’s quite easy to get caught up in the career trek; we do spend the majority of our waking hours working. And when we’re not working, we’re thinking about work. Stressing about work. Wondering if a work project will get approved. Hoping our boss doesn’t give us a bad performance review. Wishing our work paid us more but too afraid to go out there and ask for it.

 

The thing about letting your job be your definition is this: the money you make from it now dictates your life. You must start to unplug from a job you don’t want – yet defines you – and begin to search for a job that will nourish your authentic self.

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Relationships: Money Issues

A money issue doesn’t just mean having none. It can mean that one of you makes a lot and one makes none or a little, unbalancing the ‘power’ in a relationship. When you were dating did you both try to pay equally for things? After you moved in together did financial responsibility shift to one person alone? Did things move from balance to imbalance? Did you talk about it or just let it happen because it was uncomfortable?

 

Are you living within your means or way beyond them? Address this. This is one of the biggest problems couples face - And they usually don’t want to talk about it. Does one of you like to have lots of savings, college funds for the kids and insurance policies and the other simply likes to have things when they want them regardless of cost? This has to become balanced. It’s not a fight of one being responsible and one irresponsible. It’s different personalities; one may be fearful and label it responsible. One may be free and fun and label it irresponsible. Don’t label it. Talk about balance.

 

Show each other the real financial situation. Maybe you have separate credit cards with balances the other partner knows nothing about. Maybe there’s a secret debt. Maybe there’s a secret habit. Talk about it or honesty will be compromised and the relationship will be undermined.

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30 Simple Ways to Create Balance and Connection

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