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Important questions:
  • Do you know any truly prosperous people who have debt they aren't paying back? That can be financial, emotional or physical debt.
  • Do you want to be successful and prosperous?

I know you are an expansive being who has no limits. This is true in a spiritual sense and when you're dealing with your life on earth the experience shifts into learning about balance. The dance of living is finding the balance between expansion and contraction, limits and infinity.



It applies to all aspects of your life including your spiritual, health, relationships, finances, and material needs. Balance is the key to manifestation and prosperity. This may seem counter-intuitive but here's how it works. In the third dimensional experience, energy and form are interactive. Energy is intensified by form. For instance, electric energy is harnessed by containing it within the limits of a wire. Heat is harnessed by the limits of the container that uses it. These are easy to understand.

What's harder to understand is how this applies to spirit, relationship, and finances. Spiritual, emotional and relationship are all in the same general category, but they still need a container to have force or presence. The container for all of these is your self-narrative. Your narrative controls how you perceive your world.

As we teach at the school, What You Focus On You Get More Of! If you are focusing on trying to attain spiritual enlightenment, you will attract more Trying. If you focus on your needs that are not being met you will attract more of not getting your needs met. And if you focus on wanting a relationship, you will attract more wanting and less relationship. It's just how it works.

And all three of these will feed into each other and go round and round. So the idea is to focus on what you have and having abundant gratitude. Consciously changing your self-narrative will change the way you see the world and everything that happens in your life. This can be focusing on the amount of spiritual experience that you have had so far, the ways your needs are met and the wonderful relationships that you do have, especially the one you have with yourself.

When you focus on this positive narrative, it creates an attraction of more of the same. You are more relaxed in your spiritual practices, you are more emotionally fulfilled and people will gravitate to being around you. It doesn't mean that you ignore areas that are not working or need attention. If you are too thin or overweight, it is a physical debt that you need to address. If you have impulse control issues, it's an emotional debt that needs work. Financial debt is really the same with this added advantage: It's very easily measured and tracked.

But what is the container for financial flow? It comes down to your perception again and it's integral to your spiritual, emotional and intellectual narrative. Financial flow is measured on a balance sheet that shows you what you have and what you owe. It's also fundamental to a budget. Most people hate to do budgets but if you can do it, it can change your perception and your life in many positive ways.

A budget gives you a clear picture of what you bring in and what you spend. Rather than knowing at the end of the week whether you are cash positive or negative, you can be proactive in your spending and saving decisions. Rather than wasting money on $5 coffee twice a day, you can start to change your spending patterns by bringing a thermos with coffee for a fraction of the cost. Little things like this add up. Even better is that you can also see the same patterns in other areas of your life. If you overextend financially on a regular basis because you don't have a good sense of the inflow and outflow, the same is probably also true of your energy and time management. 

A budget can become a useful tool to gain a better understanding of your patterns. As you see your patterns in one area, look to see if it repeats in other areas as well. You can do a time budget, energy budget, committment budget or anything else that comes to mind. It takes time but it's time well spent that can actually increase your prosperity. 

How is Debt Good?

Debt can be a wonderful thing if it is well planned and executed correctly. If you have good budget skills and have a well developed plan that pays down the debt, it can accelerate you into new levels of prosperity. But if you lack the understanding of what you can afford or the discipline to stick to your plan, then it can be crippling.

Another important reason for debt is for future growth. If you master the use of debt, you also increase your credit score that allows you to access additional funds when you need it for future growth or opportunities. It's good to keep in mind that there's good reasons and bad reasons to take on debt as well as choosing the type of debt you take on. 

Using a credit card with 18-21% interest to finance a vacation is okay, if you can pay it all back on the next payment cycle. But if you have to pay over time, it's a huge waste of your resources. Using a low cost student loan to get skills training that allows you to make more money and pay off the loan is a far better choice than using it to go to a super expensive college that has a great social life but doesn't prepare you to be able to pay down the large loans obligations. Most businesses that sell everything from super cool and expensive electronics to home improvements usually has an easy to acquire loan that is also usually high interest rate and expensive. It's up to you to do the math and make sure that it makes sense and make decision as to whether the $1000 cell phone is really going to give you that much more value than the $200 phone, etc.

No matter what you do, understand that managing your debt is a vitally important step to earning the credit you need for the future. Credit is a form of prosperity that is also very valuable for manifesting the future you want.  




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