Break the Debt Cycle
By Paula Langguth Ryan
You can become debt-free and STAY debt-free if you follow these
practical and spiritual tips. Money is energy. Nothing less, nothing more. It
does not have any power to control your actions...only your thoughts control
your actions. Our thoughts about money usually fall in one of three levels. At
the bottom is where you'll find most of us. This is where we spend our energy
and time worrying about and talking about our money problems. Where we spend
most of our time saying things like "I'm not going to have enough money to..."
You can take the first step toward breaking the debt cycle by
elevating your thinking. You can start elevating your thinking to the next level
BY SETTING GOALS FOR YOURSELF. This level is where we spend our energy and time
saying things like "I want to achieve this goal I've set, BUT I've got these
money problems..." If you're already on this level, congratulate yourself!
You're one step closer to permanent prosperity already!
You'll reach the third and highest level once you make a
committed effort to put the following ten tips to use in your life. When you've
reached this plane, you'll find yourself saying things like "I have this goal,
and it may be a very tiny goal, but it is my goal, and this is the next step I'm
going to take to make this goal a reality."
For example, if you're worried right now about meeting this
month's mortgage payment, and your goal is to come up with enough money to pay
the mortgage by the date it's due, then you're on your way. Several of the tips
below will immediately generate cash on hand to help you make your goal a
reality. Other tips will help you build a foundation underneath you, so that
more cash will come to you.
I encourage you to start putting each of these tips to use in
your life TODAY. Work toward progress, not perfection. Don't beat yourself up if
you can't do everything at once. Take it a step at a time and keep moving
forward. Above all else, know that YOU ARE PROSPEROUS!
1: FREE UP THE TRAPPED PROSPERITY IN YOUR LIFE. Release things
that take up "space" in your life. Friends who sap your energy and provide
nothing in return. Books, clothes, food, what are you stockpiling that you don't
use? Look at everything you haven't used in over a year and find a way to sell
it or trade it in.
2: PAY WHAT YOU CAN NOW. If you have debts to pay, and you have
savings, don't withhold money and say, "I'll pay these debts later, when I have
more money so I don't have to touch my savings." Free up that money, put it into
the universe. You can't get a flow of money coming in to you unless you have a
flow of money coming out. Don't put off paying what you can pay today.
3: RELEASE PEOPLE FROM THEIR DEBTS TO YOU. If you have lent
money in the past, or extended credit, and you know that the chances for you
ever getting that money back are remote, release them from their debt to you.
Call or write them and say, "I want you to know that I've decided to consider
this money a gift to you. I am freeing you from any obligation to repay this
money, ever, and I hope you'll accept this gift with all my love." You then make
it possible for that money or more to come to you from some other source.
4: SEE THE HIGHEST GOOD FOR EVERYONE. When you're in a situation
where you think, "they're going to try and rip me off" affirm "I see the highest
good for both of us." Then know this person will do right by you.
5: GIVE THANKS FOR YOUR DEBTS. When you pay your debts, hold
them one by one in your hand and give thanks for whatever that debt represents.
"Thank you Universe for Cable Television, which enables us as a family to watch
movies together at home." "Thank you Universe for this dental bill, which took
away the pain in my mouth." "Thank you Universe for this mortgage, which lets us
live in this home we love."
6: DON'T BRAG ABOUT WHAT YOU PLAN TO ACCOMPLISH OR ABOUT THE
PROSPERITY IN YOUR LIFE. Instead, imagine it as accomplished, then go about your
daily business, putting the stepping stones in place for your pathway to your
goal. Then, once you've accomplished your goal, go inside yourself and give
thanks for your abundance. And give back to those who have helped you achieve
7: DON'T LET PRIDE STAND IN THE WAY OF YOUR PROSPERITY. You can
be your own worst enemy if you refuse to accept your prosperity in whatever form
it takes. As you practice the laws of prosperity, people around you will
suddenly start giving you things. Don't refuse these gifts as charity or acts of
pity. They are the first evidence that your prosperous thinking is paying off.
Joyfully accept these gifts. Stop yourself before you say, "Oh you shouldn't
have." "This is too expensive." "I couldn't possibly accept." Practice accepting
gifts graciously. "Bless your heart!" "You're an angel!" "Glory be!" "Thank
8: BE PATIENT WITH YOURSELF AS YOU LEARN PROSPERITY SKILLS.
Don't be like the farmer who planted corn, then cut off all the tassels that
appeared, because he was looking to grow EARS of corn, not tassels. Don't
dismiss the results you get as weeds. Know that whatever grows in your life is
for your highest good.
9: LOOK FOR THE LESSON IN EXPERIENCES. When a "negative" happens
to us, it's usually a nudge to help us choose a better direction for our lives,
for our growth. Don't waste your time and energy bemoaning an event. Stop and
center yourself and figure out what you were meant to learn, how this event will
help you achieve your goals. Don't ask, "Why did this happen to me?" Ask, "What
am I going to do about it?"
10: LET GO OF PREJUDICES. Don't spend time and energy worrying
about others, or how others perceive you. Remember the old taunt, "I'm rubber
and you're glue...whatever you say bounces off me and sticks on you?" The same
goes for positive thoughts and words. Don't set yourself above anyone else, or
love others "in spite of" their actions. Learn to love everyone unconditionally
and that love will flow back to you tenfold.
You can be your own worst enemy in your search for abundance or
you can be the best guide you've ever had. The choice is entirely up to you!
Success and Empowerment Life Coach Paula Langguth Ryan is the author of
"Bounce Back From Bankruptcy" and "Giving Thanks: The Art of Tithing."
A former credit counselor, financial editor and ghostwriter for national
finance magazines, Ryan shows people how to dissolve fear and create
what they truly desire in their lives, Ryan's clients include Olympic
athletes, nationally- renowned authors and top-notch salespeople. Visit
her site at
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