OTRAS FUENTES DE FINANCIAMIENTO
4. Indicadores de Gasto en Desarrollo Humano
With so much credit it is easy to see why people get into trouble. If your debt is out of control you have a disease-a disease of finances. That, more than anything else, wil l cause you imbalance. The emotion about owing money is a sure-fire way of blocking you from opportunity.
Now, if you are in control of your finances, you pay every one. But if you are way, way out of control you' ll have to
lie down in the hospital bed of finances for a little while, otherwise you will never be healed. You need to rest and to pull back. In an imbalanced state, struggling to pay peo ple is the most stupid way of fixing things. It only encourag es them to ask for more and it rattles you, which is no help
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to the creditors in the end. Retreat is the only answer.
Of course it depends on how much you owe. If you're only a little out of control you can cut back on expenses and pay people off bit by bit. But let's say you are way over the top. The first move is to admit it to yourself. The next is to let your creditors know thay ain't getting it any time soon. Once that is communicated to them clearly they drop you off the "immediate" list and you go to the back-burner where the emotion is a rot less and you don't have a ferret tugging on your nuts.
Your first reaction might be, "If I don't pay people, won't that destroy my goodwill and credit?" The fact is, mate, your goodwill is already destroyed and your credit sucks! What do you have to lose? Anyway, you are not going to need credit. After all credit is only a device to satisfy your cravings when you are not able to satisfy them immediately in cash.
"But what if I lose my credit cards?" So what. You don't need credit if you have money. "Yes, but credit cards are handy when travelling or renting cars." No problem. There are banks that specialize in giving cards to people who have lousy credit. The cards are backed by the customer with a savings account at the bank. "But if I don't pay my debts, people won't like me anymore." Forget it! (Go back to Chapter #3 and re-read the section on acceptance of sel!.)
It is better that you declare bankruptcy than that you try to sustain a position that is untenable. Then, having made a clean sweep of things you will have to change the error of your ways-no more credit. Or, alternately, small amounts of credit that you can easily handle. If you wipe off the old stuff and then start up owing all over again, you have not granted yourself (on an energy level) absolution for the sit uation because you are engaging in the same old nonsense. Karmically that would be dishonest. But everyone is enti tled to make the odd mistake in life and start again. Your
THE TRICK TO MONEY IS HAVING SOME!
creditors are equally as responsible for your debt situation as are you. There are no innocent victims. They made a business decision to give you credit in the hope of a profit and you failed them. That happens all the time.
Let's say hypothetically that you have had a credit card for twenty years and you have been paying 19% interest in addition to the annual fees on that card for that length of time. The credit card company knows exactly what percen tage of people default on their bills each year. Let's say it is
2%. So the credit company calculates that all their custom ers will default at least once every fifty years (2% X 50 100%). That cost is added into the annual interest and the fees that they charge. So for twenty years you have been paying for your possible default. Why then would you want to disap point them? If you don't default once every fifty years you're going to start messing around with their mathemat ics. That would cause a panic!
When you owe money, people harrass you and that can make you feel like a rotten egg. You forget that you are a child of God and immortal and all that good stuff. You tend to get down on yourself and believe all the things your creditors are saying about you. At first it may seem that they are right and that you are powerless. But in fact the
reverse is the case. The creditors are right but they are pow
erless. As a debtor you are in the driver's seat and you should never forget that.
The emotion lies always with the creditors and they try to drag the debtor into the same emotional whirlpool. But what if you refuse to be rattled? The fact that you owe someone money and can't pay is no reason for you to be upset. Noth ing serious can really happen. If you have assets the creditor can chase after those assets. Good luck to him! And if you have no assets, you're home free.
I n addition, time is usually on your side. Having incurred a loss, the creditor can only invest a certain amount of his energy in flogging a dead horse. In the end he realizes that
THE FORCE OF YOUR WIll. PROJECTED
his time is better spent elsewhere on more profitable ven tures. With the passage of time debts heal themselves.
Finally, in any transaction there is the cost of the transac tion and the hoped for profit. The initial cost is real but the hoped for profit is a thoughtform. As a debtor this gives you additional leverage. Business people hate to lose their initial outlay because those dollars are then lost forever and cannot be used to generate additional busi ness in the future. But often they are prepared to lose or to not make, the profit they had hoped for. This enables you to do deals to settle your debts by paying only a percentage of what you owe. Further, you have the possibility of not paying with money. You can barter. You can offer to do work for nothing and pay it off that way. You can take a debt that's owed to you and pay off a bill by getting the creditors to accept that in payment. Lots of options are open to you.
In passing let's talk for a moment about inter-family debt; money which has been lent to or borrowed from your loved ones. The family is a powerful metaphysical unit into which we incarnate in order to learn about life. Its value is that it creates a protection around us and allows individuals to work out their karmic stuff in a friendly setting. I believe in reincarnation. In any family setting there will be, metaphys ically, eons of accumulated karma and situations that can all get sorted out in the space of just a few years. The beauty of the family unit is that it is a hotbed in which we learn of love. And love in the end is the saving grace of humanity.
In that light, how can we let family debt come between us? I believe that you don't owe your family anything and they in turn don't owe you. Whatever financial transac tions have been incurred are part of the great karmic melting pot into which you and your family members have been cast. If you accept the theory of reincarnation there is no way of knowing who owes what to whom. It's sad therefore if you can't visit your Mum 'cos you owe her a grand or two. The family creditor is as trapped as the family debtor because
THE TRICK TO MONEY IS HAVING SOME!
the emotion of inter-family debt often creates such difficulty. For you all to become free, you will have to sort it out. The best solution is for everone in the family to forgive everyone else. So you go to your close relative and tell them straight, "I love you, but you ain't getting it. You wil l have to forgive my debt. This family needs to be free."
In a world where the common people are so manipulated and controlled by the system, the family should stand as a symbol of spirituality, and self-reliance-it should be loving, strong and free. It's important that the combined strength of that unit should be used by its members to liberate them selves, not to bind each other. If everyone were magnani mous and understood things from a more infinite, loving
perspective, true heights of spirituality and joy could be attained. Either way, whether they will forgive your debts or not, I'd walk away and forgive myself.
Ofcourse, not all inter-family transactions create negativity.
If an arrangement is loving and helpful and everybody's happy with it, then see it through. But so often this is not the case. Part of your intention should be to face that fact and fix it!
The thing is to heal yourself before the pressure of all your financial commitments makes you ill and therefore useless to yourself and others. We are only here in this life for a short time-twenty-thousand days, maybe. Why would you want to spend any amount of those precious days in a state of anguish over something that is not really real? Money is a thoughtform and so is debt. Why mess around arguing trying to change people's opinions. The bank says you owe, that's their opinion. You have another thougtform that says, "l owe, but you ain't getting it." In the infinity of things these piddly little arguments are irrelevant.
Of course, if everyone didn't pay, the world would grind to a halt. But the fact is that only a small percentage default. If you have to be among that percentage, so what? By laying on the hospital bed of finances for a while you can heal
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yourself and get on with the rest of your life. The force of your wifl is immediately strengthened as you go into a new balance. Then, if that balance if sustained through a finan cial discipline, it will bring you wealth. Very likely that wealth will generate work, energy, enthusiasm for yourself and those around you. So what you took out of the pool (on an energy levell by defaulting on your debts, you can repay later by becoming successful.
Over the next ten years you will see a massive restruc turing of the world's economies. Since the Second World War the western democracies have printed paper money like crazy. Enormous debts have been racked up by the various governments that will never be repaid. One day everyone wi\! have to stop telling themselves a pack 0' lies and the whole thing will have to be sorted out. When that day comes, confidence will temporarily be lost and we'll go into a dramatic cash crunch. We will experience what the economists call stagflation, which is inflation with zero growth or a negative annual growth. In that situation any one with cash in hand instantly becomes king. While prices will be going up in some areas like food, in others they will plummet. In the 1930's commercial real estate fell up to ninety percent in some areas. Why spend five million dol lars on a beachfront mansion today, when in five or seven years time you can have the same property for fifty or a hundred grand down?
The point is, if you begin to work your way out of debt and you go to cash, it's never a mistake-cash gives you options. If all your assets are locked in or if you have no available cash, it restricts you. When the cash crunch comes, fantastic opportunities will be available to you so you need have no fear. Many of the great fortunes of America were created in the 1930's. Entire industries were bought up for just pennies on the dollar.
Of course everything goes back to what your intention is. If you heal yourself financially and go to cash and have
THE TRICK TO MONEY IS HAVING SOMEl
patience, in a few years' time everything that you have every dreamed of will be yours. But you have to have vi sion and you have to be able to read the writing on the wall. In the early 1 930's there were wealthy families in Germany and Austria that read the developi ng situation as the Nazis came to power. They sold everything at full price and got out of there. In a changing situation it is not com pulsory to get yourself chewed out. There is always plenty of warning. The metaphysically sophisticated will always be LG (Long Gone), as we call it.
The only thing that stands in your way is the clarity of your intention and the clarity of the eagle eye that you bring to your action plan. Let us look at that .now.
DOLLAR DANCE CONCEPT I 3