Optional: We have a few journal prompts to clear your vibration around debt, to allow you to manifest astonishing solutions. Grab your favorite pen, a mug of tea and a notebook.
Learn how the ego increases your debt and keeps you from paying it off
Learn how to shift your focus to manifesting a way to pay off your debt quickly
Discover how to hear the answers from your intuition to find financial solutions
You know what? I am not here to talk you out of debt. Nope, not at all.
I have a friend, Leslie, who sells handbags on Etsy and loves her credit cards. She is actually proud of her balances, and doesn't even sweat the interest payments. And I'll tell you why.
Leslie makes money when she uses them.
She has a few business credit cards with various balances and interest rates ranging between 16% - 21%. When it is time to buy materials she gets a greater discount the more she buys. So, she will put thousands of dollars on her credit cards in one big swipe.
The large credit card purchase allows her to lower the cost of making her bags due to buying in bulk. Now, she can create them for roughly $30, and sells them online for about $100.
For Leslie, the interest rate is more than worth it to get a new handbag up and running, and reach those bulk purchase price hurdles. Also, she collects enough points and miles through her business purchases to buy a few free trips & vacations throughout the year.
Leslie loves her debt.
Another friend, Alison, buys real estate and rents it out. It has taken her years of trial and error, but she has managed to figure out how to purchase rental properties for little or no cost to herself. She gets a loan for the down payment (a bridge loan), and a mortgage for the rest. And then refinances it all after a year. But, she has perfected the art of not paying a dime for real estate. Without debt, she would not have been able to quit her job to work for herself and travel the world.
Alison loves her debt.
Now, I have another friend, Amber, who is a teacher, and she has over $7,000 in credit card debt, but her salary is only $40,000. For her, this debt is a anchor on her mind and her heart. She gets so despondent when she talks about how long it will take to pay her debt on her modest teacher's salary.
She can only pay the minimum plus about $20. Which has debt pay off of 5 years from now, and that if she does not add to the balance with new charges.
Amber hates her debt.
You see, debt has different meanings to different people. If you are here and reading this post, I am guessing that you fall into the "mildly uncomfortable" to "wow this smarts!" range on your debt feelings.
I said before that I am not here to talk you out of debt. Here at Visual Manifesting, shame, regret and embarrassment are not on the menu. We take the situation as it is, focus on what we want, and march joyfully forward.
What we are going to do is discover a little more about you and your personal debt story. You will define and prioritize your values and in the process realign your vibration.
When you shift your focus away from negative feelings, you will find solutions you would have never seen while you were worried about minimum payments and recurring balances.
When we feel pain about our circumstances, it is often because what we are observing does not line up with our personal values.
Let's compare handbag Leslie to teacher Amber. Leslie loves running her business and making a profit. In fact, "profit" is her highest value when it comes to finances.
If she has to incur an occasional interest rate charge, that does not bother her, it is just part of doing business. As long as her gross profit increases, she's a happy camper.
Purchasing materials in bulk allows her a greater profit percentage, and she actually makes more profit when she uses her credit cards.
Leslie's values and her actions are completely aligned. Therefore, she often has a positive vibration around money & her business. And every year total revenue increases.
However, teacher Amber values feeling in control of her finances, and an ample savings account.
However, after her minimum payments, she has very little to put into her savings at the end of the month. She also feels deeply conflicted about paying interest on purchases made years ago.
Amber's values are not aligned with her present reality, and it causes her pain. Sadly, when she feels sad the state of her finances, she tends to crave a shopping spree.
Her negative vibrations are attracting more of what she does not want. Feeling helpless is causing impulses (shopping) that will lead her down the road to more helplessness.
What you focus on expands.
In the case of my teacher friend, her words, actions and feelings about her credit cards are always negative. She feels upset with herself, angry at the banks, and obsessed with past purchases. She chastises herself constantly on the subject of her debt.
You see, what she thinks about her debt are just stories that her ego tells her. Each emotion surrounding her and your own debt is just a long winded tale that your ego is weaving.
Your ego exists to help you survive. To keep you from breaking out and doing something large and in charge. It detests change and "newness". It loves the status quo, patterns and predictable behavior. It is the voice in your head saying "see! I told you so!" when you fall back into old habits.
The ego loves to tell exaggerated stories about you and your circumstances. Most of them would not hold up to scrutiny or even the light of day. But inside our head, where they echo and go unchallenged, the ego reigns supreme with fear and doubt.
How to tell when the ego is talking:
Must Shouldn't Should: I should have showed more restraint with my purchases.
Only, Always: The only way to pay my debt of is to sacrifice. I always do this.
Time: I need to pay this off faster. Why is this taking so long?
Comparison/Judging: None of my friends have this much debt. I am such a ding-dong for getting this deep in debt.
Past: Why did I have to take that vacation on my credit card?
Future: How on earth am I going to pay all this off?
Journal: What are your common debt stories - when does the ego chime in? What does it say?
Which words does it use?
Sadly, it is the loud, obnoxious talk of the ego that drowns out the calming, answer-filled voice of your intuition.
The ego creates problems, and your intuition finds solutions.
If you want to shift from the problem voice in your head to the solution oriented voice of your inner being.
How to hear the solutions of your intuition
How great is that? Knowing that you have a walking, quietly talking voice that knows exactly what the perfect quick fix that is unique to you.
So, let's talk about how to get in touch with this voice.
Understand when the ego is talking: The simplest way to know when your ego is talking is if it feels bad. Simple as that.
If your thoughts are telling you something that becomes a knot in your stomach or a tightness in your chest- the ego is just spinning another yarn. And it is fiction.
Sometimes the ego can hide the advice as a sage, old zen master, but if you feel an emotion crunch or even physical pain- this is the ego in disguised.
It also loves to get validation from your parents, society, friends and social media. But, if it feels bad- this is not your path.
For example: You have just taken a glance at your credit card statement. Immediately a voice in your head says "alright, let's start cutting back. No more eating out, going out or having fun." How does this feel? Bad- then the ego is advising you.
If like attracts like, any action you take from this point will bring you more of what you do not want.
But say, you take ten deep breaths, calm your mind and ask your intuition what to do about this. Give a day or two to marinate in your intuition.
Find as many times as you can in your day to quiet your mind. Nothing intense, just calm activities. And softly impulses start to come. They may not make total sense a first, or seem to have anything to do with your debt. But your inner being is guiding you to a solution that lines up with all of your values.
Journal: If you inner being is calm and positive, what does your inner being think about your debt?
Understand when your inner being is talking: If your ego is loud, obnoxious - you inner being is quiet and calm. The very first sign of a solution manifesting is feeling good.
When you feel good, then some impulses begin to show, and when you take action on impulses that feel good, you start the momentum towards everything you need to get out of debt.
The easiest way to align with not only debt-payoff, but an abundance of money is to perfect the art of manifesting. To allow what you want to come to you in an easy and relax manner. Focusing on what you want, more than you notice your debt.
To quiet your mind and listen to the kind impulses of your inner being.
When you quiet your mind, you feel better.
When you feel better, then positive impulses come.
When positive impulses come that leads to positive action.
More positive actions lead to feeling good.
And you are now manifesting.
This is how you manifest a effortless debt free life. Good feeling thoughts equal effortless solutions from your intuition or inner being. When you asks your intuition for a solution, and quiet your mind- it will give you the fastest, easiest way to get what you want.
Ideas of ways to pay off your debt, or get more income will arrive through impulses.
As long as your attention is focused on kind voice of your inner being and the actions that come, you are manifesting. When you allow your ego to get involved with doubt, fear and concern- you lose that manifesting momentum.
I don’t think reducing debt should involve lack, budgeting or frugal living. (unless that makes you blissful!)
I have seven vital lessons in hearing your intuition and solutions in our free Seven Days of Manifesting course.
It is the prime way to shift your vibration from the voice of doubt and problems to the voice of your solution.
Learn how to find alignment automatically - and you will be surprised at how fast the snowball begins to gather speed when you spend just seven days focusing on your alignment.