Money — is energy. When you view money as energy, you free it from the negative connotations that money is dirt, greed, abuse of power, dishonesty, and the like.
On the other hand, you understand that energy can be managed, and accordingly, so can money. Because the energy of money is subject to certain universal laws.
In this article, we will touch on the topic of debts and loans. We will answer popular reader questions: how to live without debt, how to get out of survival mode, whether a safety cushion is needed, and more.
Why it is important to live without debt
Income should match expenses. Why I am against loans
Your income should match your expenses. If you need more, go and earn more, make every effort.
I started with a meager salary when I needed to take my child to the sea and live separately from my parents. I began taking on students, working as a tutor, and later organized seminars.
I am categorically against loans, only in extreme cases, such as a mortgage that is unavoidable, or an emergency surgery (but not breast augmentation, lip fillers, etc.).
It is important to live without debt. When you borrow, you take energy from your future and spend it in the present. Therefore, it does not come in the future. Especially if the money was taken for clothes, entertainment, or vacations.
From the perspective of cosmic laws, this is a huge imbalance.
If you borrow or take a loan for training and education, the same principle applies; you are taking from the future. The only exception is when this course teaches you a profession or how to multiply that money. That is, when you can immediately apply the knowledge and skills from the course to earn money.
See also Transition from consumption to giving and service
How to get rid of loans and live without debt, what does the universe say about this?
The universe knows nothing about this. Go to any project that teaches financial literacy, where they explain that credit cards are evil, which debts to pay off first. Study and apply.
If you are being shaken down and demanded to pay a debt, the only way you can change something is to enter a state of harmony and absence of claims.
First of all, remove the claims and accept the situation as it is. Then something happens in the universe, and the situation unfolds. You tune into the best, and the universe responds.
See also How to get rid of debts and loans and how, according to Jason Estis, their presence is related to your responsibility
How not to go into debt while meeting your basic needs. Cut them down?
Answer yourself the question, what are your basic needs? What do you allow yourself to satisfy?
Everyone has their own basic needs, but if you cannot satisfy the minimum basic needs, the question is, are you working in the right place and is everything in order in your life?
Most likely, everything needs to be changed radically. But there is no point in going into debt because of this. Here the question is about value.
Minimum needs are food, utilities or apartment rent (if you do not live in your own home), gasoline or travel money, internet and mobile phone payments.
And here’s the question: why does the neighbor, who is constantly yelling and behaving inappropriately, have her basic needs met? Because she loves herself, she knows her worth. And she has exactly as much as she allows herself to have.
Therefore, gradually increase, expand the zone of your needs.
I started with coffee. For a resident of the hinterlands, the cost of coffee in a cafe was expensive; drink three cups of coffee, and it hits your wallet.
When I was in Berlin, coffee there cost 90 rubles in ruble terms. I went every day, drinking with the intention of expanding my comfort zone of what I allow myself.
When I had more money, I started staying in hotels instead of with acquaintances, because I wanted to come in and rest, be quiet, whereas when visiting you still need to socialize, effectively working off your stay.
What you allow yourself now is exactly your minimum basic needs.
See also: Why is there no money? The vow of poverty and other spiritual causes of financial problems
What about a mortgage?
The main task is to energetically rewrite your state. Radiate joy from having your own private space, from the fact that in someone else’s apartment you couldn’t even hammer an extra nail, but here — you can do whatever you want.
And when payment time comes, you don’t say: “Here we go again, bringing my hard-earned money to the bank,” but instead radiate gratitude.
What if the payment is delayed, how to live?
This is a very tough lesson in trusting the universe that some people go through.
Some think that trusting the universe means sitting and waiting for something to fall from the sky. No, it’s not about waiting specifically.
This is when you don’t know what you will feed your child tomorrow, but you still take actions from a state of gratitude, acceptance, and trust. And the universe gives you what is needed.
See also How to Let Go of Poverty – Can a Spiritual Person Be Poor
How to Earn More to Get Out of Survival Mode
Constant debt indicates an imbalance in your “giving – receiving” channel: you take too much and do not give back.
When you encounter financially costly situations (breakdowns, a flooded apartment – needing repairs, etc.), these are not problems. They are merely a matter of money.
If you live in survival mode, check whether you are overly fixated on money. Learn to switch your focus.
Money is not the problem. The question is how to earn more money to cover current expenses and get out of survival mode – not immediately, but gradually.
Your task is not to focus on how to find money for an urgent current need, but to focus on how to break free from the swamp of survival once and for all.
To do this, you will have to step outside your usual patterns – repetitive actions, a tiresome job or place of residence, etc.
Current financial “problems” are your opportunities for expansion.
Find out if your receiving channel is balanced.
Do You Need a Safety Net?
You should always have a safety net. This is one of the signs of a prosperity mindset.
And those who live for the day — and we have already discussed that living in the present and living for the day, like the dragonfly in Krylov’s fable, is not suitable. These are completely different things.
Therefore, a safety cushion is needed so that you do not have setbacks when you get into an accident or something breaks, and you urgently need a sum of money.
Instead of falling into a state of catalepsy, feeling unable to cope or not knowing what to grab onto, you always have a certain amount in your account that you can withdraw at the right moment and fully cover the expenses.
And then what was a problem, a tragedy, turns into just an expense. An unaccounted one, but an expense that you easily use. That is where the sense of security comes from.
The interesting thing is that people living in a mindset of scarcity and limitation, when they accumulate this cushion, do not spend it because they feel sorry to. Here, a comprehensive approach to expansion is needed.
See also: How to transition to the level of comfortable money, or Levels of money management and associated emotions
If the money is in the bank on deposit?
Money must work. If it lies in the bank or under the mattress, it does not work; it is stagnation.
Money is energy, and it must move. If the interest at least covers inflation, that is good; if not, it is more like stagnation.
At the same time, movement should not be mindless, where everything you receive is spent, but rather investing it wisely somewhere, making investments.
Should you demand from your husband the alimony he owes?
If you lived without this money, does that mean you somehow managed? There are women who manage to live only on alimony, and if it is absent, their income is zero.
In my opinion, in any case, a child needs to know that they have a father. Learn to live without internal resentment toward your ex-husband, without draining your soul…
There is a fine line here, a difference. If you go to court with resentment inside, nothing will work out. If you have acceptance inside, but you believe you are within your rights, then only in that case can something shift.
Remove the resentments, expectations, and perhaps, though not guaranteed, something will change.
See also: Why it is important to improve financial literacy
On gifts from the universe, the desire and reluctance to lend
If you find money, should you take it?
According to Zeland (“Transurfing of Reality”), if you find a wallet and there is the owner’s information, you should return it.
I used to think that if I find money, it means something has arrived here, and accordingly, something has been lost somewhere.
This is a limitation that implies there isn’t enough for everyone, that on the planet there is a small percentage of rich people, and the rest are poor.
This doesn’t mean it isn’t true. In 3D reality, this exists.
But if you want to step beyond the boundaries and allow yourself more, then it is a completely different reality. There, two plus two does not equal four. The universe is abundant. If you find 20 euros, it doesn’t mean someone lost them.
There are situations where you keep taking and taking and never give back. And the only way to balance it is to lose money — it simply falls out of your pocket.
There is a zone of comfortable money, where you know that money doesn’t fall from the sky, but there are ways you can earn the amount you need. And with small steps, you approach it.
About gifts from the universe
A person received more money from an ATM than they requested, or a cashier gave too much change, and they think it is a gift from the universe.
This is not the case; it is deception. You have failed the test of inner honesty.
What can be considered a gift from the universe. Examples:
- When I had no money, and there was a translation website, a man sent me 10 thousand rubles in gratitude. My monthly income at that time was equal to that amount (working at a school plus tutoring).
- Theater tickets. You wanted to go but could not afford it, and someone gave them to you.
- Winning money, a course, unexpected and needed gifts.
When you do not want to give gifts, but you have to because it is customary
Allow yourself to be a bitch. If you do not want to, do not do it.
But you must understand that this coin has another side. When you challenge society in this way, you will not receive gifts either.
Then do not be offended by this or by the fact that no one will congratulate you on your birthday.
If you have decided to leave this matrix, then leave. And you will not care what anyone thinks.
And in general, show me this law where it is written that this is customary.
Allow yourself to be a bad daughter, employee, friend. If you force yourself, suppress yourself, you will get sick later. Stop.
Life will start throwing situations at you where you will have to look at all this, stop, and pay attention to yourself.
Get rid of the word “should”, but also be ready to understand that others do not owe you anything either.
See also How to give gifts correctly from a spiritual perspective
Learn new spiritual rules for giving gifts.
Lend only as much as you can afford to lose
Give only as much as you can afford to lose. Determine that amount, and if someone asks you for a loan, you will already know how much you can give without pain.
On the other hand, by giving this money, are you depriving yourself? Do not lend if you need that money yourself.
This does not mean that you lend and forget, and the person themselves takes responsibility for returning the money. Lending means you have given and forgotten, and no longer expect repayment.
Only lend if and only the amount you can give and forget, even if it is never returned. Any other situation creates attachment to the outcome. You expect, get nervous, fall into negativity, and lower your vibrations.
Any negative emotion destroys the body, deprives you of health, and also destroys everything you have built.
For example, I categorically do not lend to men, even if they are relatives.
Because in my understanding, men should take care of women in the family. He grows up and becomes a man responsible for himself and his family.
Write in the comments, what is your attitude towards loans and debts? Do you borrow, or have you learned to live without debts and loans?
The article is based on broadcasts within the rubric #conversation_on_the_couch “Money and Debts”, “Limitations, Expansion, Novelty”, “Answers to Questions 09.08”