Debt of Life:

What It Is and How To Repay It

Simona Rich
Contents
Debt of Life: ........................................................................................................... 1
Introduction ........................................................................................................... 4
How you get in debt with life ................................................................................. 6
Manifestations of lifes debt ............................................................................. 15
The cycle of poverty.......................................................................................... 17
Penny-pinching people pay twice or more than twice ................................... 20
Modern life keeps people ignorant ................................................................... 22
How to get out of lifes debt ................................................................................ 25
How to make life owe you ................................................................................... 28
Appreciating but not owning, and providing massive value .............................. 31
Getting your desires manifested ....................................................................... 34
Some final cautions.............................................................................................. 38
Readers questions............................................................................................... 40
Life Debt Checklist: 68 questions ......................................................................... 44
10 debt-free days challenge ................................................................................. 48
Some final words ................................................................................................. 49
The End. ............................................................................................................... 50
Introduction

In dwelling, live close to the ground. In thinking, keep to the simple. In conflict, be fair and
generous. In governing, dont try to control. In work, do what you enjoy. In family life, be
completely present.

Lao Tzu, taken from BrainyQuote.com

Life is simple if you know its laws. If you dont, life may seem unfair and obstacles
might present themselves that could have been easily avoided. Let this book
serve as your guide to living life in accordance with lifes laws.

Ignorance of these laws makes people owe life. Difficulties present themselves;
chaos and uncertainty rules.

Why is it so bad to owe life? Because when youre in constant debt with life, you
keep experiencing seeming unfairness and problems; you feel empty, and life is a
struggle instead of joy.

People dont know much about how they get into debt with life. Most dont even
know they owe life! Yet the fact that they owe is to blame for most of their
misfortunes, if not all.

If you have it, this debt affects you every day, every moment of your life. It causes
you to experience negative events and struggles of all sorts. It causes you to lose
money and relationships; it causes you to be treated badly and get accused of
things you havent done.

Life is fair, you see, and if you owe it, it will make you pay in one way or another.

Depending on how much in debt with life you are, you can suffer from minor
setbacks or experience major failures, like a huge financial debt or a big heart-
breaking loss of a relationship. I hope that after reading this small eBook you will
understand how you get into debt with life, how you can get out of it, and finally,
how you can make life owe you and why thats important.

This eBook, therefore, is segmented into three major chapters (there are more
chapters, but these are most important):

1. How you get into debt with life

2. How to get out of lifes debt
3. How to make life owe you

All chapters are interlinked but this segmentation allows us to focus our thoughts
on three objectives. Firstly, to make you aware of all the ways people can be in
debt with life. Secondly, to get you out of debt with different strategies and shifts
in perspectives. Thirdly, to make life owe you through taking action in a different
way than youre used to, and to shift your thinking to make life owe you quicker.

All the best in dealing with the debt, however small or big one you have, and
dont forget to email me with your results once you start getting life in debt with
you! My email is simonarich1@gmail.comIm looking forward to receiving your
story!
How you get in debt with life

A lack of transparency results in distrust and a deep sense of insecurity.

Dalai Lama, taken from BrainyQuote.com

Life can trick you into debt for any aspect of it, be it relationships, finances,
career, or personal progress. It seems like life tricks you, but thats not really
correct. Ignorance of the way life works tricks people into owing life. Lets focus
on the process of how people get into debt.

The main cause of owing life is not paying attention to how life works. People
who dont learn from their mistakes keep accumulating a huge debt to life, and
feel cornered by all the problems they have as a result. They keep getting
frustrated or disheartened by how things are going in their lives, but such moods
still dont prompt them to try to work out the causes of those problems.

This ignorance, this unwillingness to look at the root of problems, causes them to
accumulate huge debts. Sometimes people are too lazy to analyze their lives and
actions, and some like to feel that theyre victims. Some get so addicted to feeling
victimized that they start finding this state normal and the extreme highs and
lows of their existence act like drugs. Some people dont analyze their actions
because they think they know it all and that what they do is perfect. Some people
know theres something wrong with the way they go about life, but they dont
feel motivated to look into causes. All these wrong takes on life keep people
accumulating debts.

If people would stop and analyze every problem they have, one by one,
something wonderful would happen. They would dig out the roots of their
problems, the causes of lifes debts. Proud people would then feel humble;
victims would feel empowered; lazy people would get motivated to work.
Do you struggle in some area of your life? If you do, pick one problem, a small
one, thats manifesting at the moment. If you pick a complex problem, you might
not be able to work out the cause of it as youre still new to this process.

Heres a method to work out the cause of any problem. Its easier to illustrate it
by an example, so here it is.

Lets say your partner left you and you feel heart-broken. Instead of letting
emotions overtake you, which doesnt help in any way, switch on your logic and
switch off your emotional side, just for a moment.

It will help you if you breathe deeply in and out for a few minutes, and affirm that
you are bigger than your emotions, that youre not your emotions, and that
youre in charge of how you feel.

When youre calm and composed, think about how you caused this breakup to
happen. Yes, another person contributed to the breakup too, but you did also
its always a mutual action. Look at what actions you took that contributed to this
breakup. Also, look at the reason you got into the relationship in the first place.

To fill some gap? Well, thats a big debt with life right there. To fill a gap is always
the wrong reason to get into a relationship, because youre filling this gap with
something externalyoure borrowing from life. You must fill this gap from
inside, and you do so by being alone until you realize there is no gap. You are
whole and perfect and joyful, its just because we are taught and conditioned
from childhood to not think this way that we lose sight of our wholeness and
holiness.

So maybe now you already found the debt. If not, keep analyzing your actions
that might have caused the breakup. Were you trying to own a person, to control
your partner? Thats a debt again. You cant own or control something thats not
yours. Nothing is yours in this life but you. So when you try to own or control
something, especially a human being or an animal, this makes you accumulate
debt. Finally, the debt may get so big that it may manifest as a loss of that person.
It all shows how far you are from your real nature and how lacking you are inside;
it teaches that the more you try to grasp the external, the quicker it will slip
through your fingers.

Do you see now how to go about every problem in life? You should always look
for debts. Look for what is not yours that you took or are trying to take. Look for
what you try to get that you dont yet deserve. Look for what you have that you
think is rightfully yours but really isnt.

Lets take another example.

Lets say you lost your job.

Analyze what actions of yours might have caused this loss. Maybe you werent
contributing enough and you knew that. If you give much less than you can and
dont try your best that can accumulate debt very quickly. Thats because
employers pay you to do your best. If you dont, you keep getting salary but you
keep giving less energy than you get in the form of salary. Of course sooner or
later life will come to collect the debt, and that might be through a job loss, a
sudden illness that would prevent further work, loss of home, your good name, or
other material or non-material things as a consequence.

Analyze, therefore, your actions thoroughly, and try not to keep a blind eye on
things that might be difficult to acknowledge, no matter how easy that sometimes
is! Its effortless to listen to the conditioned voice that says Its okay, nobody will
notice or Ill repay later or I should take it for free because I know how and
similar encouragements that present themselves in different situations. Its very
easy to act on them and not to notice anything bad happening immediately. Yet
later obstacles come, conflicts arrive, chaos starts ruling the mind and you start
feeling empty and miserableall because of agreeing with the conditioned voice
of ignorance.

The more open you are to your faults, the easier life will get, once you remove
those faults. Your current state is likely to be like a cloudy sky. Cloud by cloud,
ignorance by ignorance, youll remove it all, and then the sunshine will radiate its
yellow healing light unobstructed. The perfect clarity and joy that youll feel are so
fulfilling in themselves that once experienced, you would never want to lose
touch with them again. This state of being is the biggest wealth to have, bigger
than any houses or cars or even relationships. Strive for it by removing causes of
ignorance that keep you in debt with life.

Here is an obvious way to get into debt with life that people almost always fall for.

Lets say you go to a shop and you see an item of clothing thats a good brand
with a huge discount. You quickly buy it. And then later you lose $10 on the street
or you get a parking fine. Through this small misfortune, life just got some
money back, as the item you bought was worth more than that. Its not your fault,
in a way, because the item was discounted by the supplier. Yet, the very intention
to get something more for less is what gets people into debt. Thats the gist of
this entire eBook; please dwell on it until you internalize it, as it will save you from
future losses and problems.

Whenever you try to get something thats valuable with little effort or less money,
youre accumulating lifes debt. Whenever you download free stuff with the
intention of benefiting from it but dont give anything in return for the creator of
it, youre accumulating lifes debt. When you ask for free advice but dont even
say a proper thank you, youre accumulating lifes debt. When you pay less than
the service that you get, youre accumulating lifes debt.

The cause of this constant debt of humanity is greed. It may not appear so at first,
but thats what it is. Edmund Shaftesbury, a health advocate of the past, was the
person whose writings clearly showed me how greed causes many failures in life.
The intention of getting something valuable by providing less value, giving less
effort, or paying less shows greed. Almost everyone has this disease including
myself, yet Im uprooting it as fast as I can, and its amazing how deep the roots of
greed go.
And do you know why the roots of greed are deep? Thats because greed stems
from our oldest brain which is called r-complex or the reptilian brain. Some
scientists attribute greed to the second oldest brain in humans, which is
emotional brain [source]. There are three brains in us, for personal reference: the
old brain, the emotional brain, and the new brain. Whether greed stems from the
oldest brain or the emotional brain, both of these brains are unconscious (only
our thinking brain, the new brain, is conscious) and thus they tend to trick us into
making choices that are not right for us. Some marketing schemes play our
emotions and if people are not aware, they very quickly get into debt with life
because a greed, or sex, or survival instinct/emotion is being played on.

For example, its greed that causes people to fall for get-rich-quick schemes and
lose money as a result. Their intention was to get something huge for a small
investment, and life doesnt work this way. Its the greed that makes people
compete and be cruel to each other, and the thinking behind such cruelty is that
the supply of goodness is limited and thus we need to fight for our share. This
kind of thinking is totally false and keeps people in debt. If you feel that your
thinking is similar, its important for your reasoning brain to see that its not
beneficial to have such a behavior. So maybe the following reasoning of mine will
help you to get a new neural pathway made in your brain and to forget old greedy
ways. Here it goes.

Competition is what most people engage in, so it seems a very valid choice, even
a way of life thats unavoidable. Yet some people, after lots of pondering, decide
to follow a different road and hugely succeed. If you follow the writings of those
who achieved immense success, like Henry Ford for example, youll probably
come across their writings about competition and how an invalid idea that is.
Competition keeps people in negative states of fear and greed. Competition uses
lots of creative energy for looking at what others do instead of using this energy
for creating something that isnt yet here.

I personally never competeI dont even know who my competitors are! I would
not see people in the same field as competitors anyway, even if I researched
them, because were all so unique, how can we be competitors? I write about the
experiences that happened to me and the lessons that I personally learnt. How
would I copy someone else? My heart wouldnt be in it, as it wouldnt be
something I personally experienced or am passionate about. I would sound like
everyone else and thus would fall somewhere in the middle, instead of being on
top thanks to freely flowing creative juices that are used only to create. Writing
about popular subjects just because theyre popular would stifle my Inner Self, my
Creative Fire. I would never want to make my creativity die, there are too many
such deaths in the world already. Dead people compete with each other.
Theres no juiciness in their actions. Thats because they used their creative juices
for observation of what others in the field do, and planning how to make others
fail or how to be better than competitors. Because they look at what others do
and take action from this state, their actions are fear-based and dry. Its much
healthier to try to make all lives that you touch better, even though those lives
are of people in your field. Its such a lighter way of living, and if we all lived like
that competition would lose its whole point. Try this kind of livingtry to lift all
people, no matter who they are. If you do, you will never suffer from not having
enough, and youll never be unnoticed. People will seek you out no matter where
you are, and will reward you for all the good work youve done.

Going back to greed, whenever you think about getting anything for less money
or less effort, know that it stems from greed. Acknowledge this and affirm that its
coming from your lower brain, and it will become easier to uproot. Greed must be
uprooted if you want to have a lighter, more abundant, and happier existence.
Greed is the inheritance from the older brain, and so its likely to always be there,
but we dont have to be ruled by it. We have the new brain to neutralize it. The
way we neutralize it with new brain is through our conscious efforts to do so, and
through our affirmations and logical reasoning.

Know that older brain is sometimes very hard to fight because its the old us;
humanity just recently evolved prefrontal cortex, the part of the brain which can
plan long-term and understand long-term consequences, like that people can get
cancer after 10 years if they keep eating white sugar.
Older brain, however, because its so old and has been with us for so long, is
extremely active still. Ill give you a good example to illustrate.

Red car. You lost $100. Passionate embrace and long kiss. Sex.

The reactions to these words come from older brains. They respond to very
tangible and visual suggestions. If I would put an image of an extremely beautiful
male or female model in this eBook, youre likely to react, and this reaction would
come from the older brain. Some people are completely ruled by their older
brains. Its the older brains that keep us in debt. To get yourself out of debt and
stay out of debt, you should keep your new brain switched on at all times, and not
fall for the tricks of your two old brains, the reptilian one and the emotional one.

When you uproot greed, you will gradually up the energetic levels of life. Some
energetic levels are so extraordinary that words are lacking to describe them. I
havent reached ultimate greedlessness yet, so I can only imagine how it would be
like to live a totally greed-free life. It must feel like heaven.

Lets take using web images for free as another example of greed. Someone
created those images and many creators made these images with the intention of
getting some return from them. Maybe they wanted acknowledgement; maybe
they wanted money. Maybe these images were intended for personal use only or
for others to see and feel joyful about, but not use. Yet its so easy to just save
images that are not your own, and that you havent paid for or labored to create,
and use them for your personal profit. I wasnt an exception; I was guilty of that
multiple times until slowly growing clarity and awakening conscience showed me
one of the roots of my darkness.

I no longer use images I havent paid for. I deleted them from my blog. As soon as
I did, I got more clarity as a result. I felt happy and at peace. Whats more, my
income increased, because I was no longer ignorantly getting myself into debt
with life. What an easy and obvious way to go about life, yet it takes much
awareness to discover that! Maybe for you this issue was never an issue, and if so,
good for you! But many people suffer from this debt and they dont even know
that it is debt.

Its tough for many to understand that theyre in debt not only because they dont
analyze their actions and the causes of problems, but because they live on auto-
pilot. Its tough to understand these subtle matters when you eat fast food and
dont protect yourself from external influences.

This understanding about various life debts comes very slowly and only when you
try to lead an influence-free pure life, and do everything you can to be a good
person, whatever your current understanding of being good is. So no, most
people will never have this understanding of lifes debt, because they will not take
time to ponder such things. Theyre too busy with life struggles and dramas.
Theyre too busy fighting against and reacting against things; they dont have time
to stop and analyze problems in order to not to get them in the future.

Debt with life causes physical and mental diseases, material and spiritual poverty,
feeling like an outcast, accidents, lack of progress and emptiness.

Physical diseases manifest when people cheat their bodies. They give their bodies
empty calories and they expect their bodies to work as well as by giving them
proper nutrition. So they pay empty salary, and the body doesnt generate
energy if its not getting nourishment. If you got a job and wouldnt be paid for it,
would you work hard? Would you work at all? The body is very forgiving
sometimes!

Mental diseases manifest for many reasons. Lets take over-thinking as one
reason. Some people never give rest to their brains, always running the engines of
thinking even at night. A car thats never given rest breaks down. Thats what
happens to brain too, as its a tool, human machinery that must be cared for. If
you just expect it to perform well without giving any nourishment, it will
malfunction. If you worked for an employer and he wouldnt give you time to
sleep, what would happen?
Material poverty is caused by trying to get more than you invest. People want
short-cuts to success. They want it quick, so they fall for get-rich-quick schemes
and are made worse-off financially as a result. Yes, they invested money into
something. But what was their intention? Their intention was to get something
great for something little. Thats where the fault lies, and life punishes such
people with misery and poverty every time.

Spiritual poverty visits those who focus only on mind and body, and neglect the
spirit. Of course they will feel emptytheres no investment to the spiritual side.
Meditation, mindfulness, spiritual music, being a good person, trying to lead a
pure life fills us with spirit and makes us feel at peace. If people dont do any of it,
of course they will feel empty.

These are common debts of the humanity. Here are some more exact ones:

1. Trying to cut the wage of an employee who provides good service

2. Fooling a person into buying something for a much bigger price than the
product is worth

3. Downloading copyrighted eBooks without paying for them

4. Taking advantage of people

5. Creating your own product to sell for more than its worth

6. Being lazy in the workplace when your pay is good

7. Stealing

8. Getting into a paid event without paying

Sometimes debt doesnt catch you quickly, and thats why some people cant
connect the dots. For example, a person might be cheating in a relationship for
years without anything happening. Sometimes life is slow to teach, but I think
thats because the moment is not right. After years, suddenly a person gets into a
serious accident, or his affairs develop into a public scandal, or he becomes an
alcoholic. Life will catch up with him, and will make him payits just a matter of
time. Its impossible to cheat life, and the sooner people understand that the
better off theyll be.

Manifestations of lifes debt

When will our consciences grow so tender that we will act to prevent human misery rather
than avenge it?

Eleanor Roosevelt from GoodReads.com

Broke people are freebie-lovers. Its very easy for them to download free music,
free eBooks, and free images. Yet the punishment they get is not worth
downloading those goods. They are poor. They become less clear in mind, and
this causes them to make further mistakes. Life becomes full of unexpected
events and chaotic happenings. They dont know who they are anymore.

Mental clarity cannot visit those who sin against their conscience. If you really
listen to your inner voice, you will know its not right to get something for
nothing. Just listen to this voice. What does it say about downloading images that
someone created which werent meant to be gotten for free? We all have the
same answer to this question, yet many choose to ignore it, and go with how
others behave, or go with how their egos encourage them to act. Thats how they
sin against themselves, and thats why they suffer.

Im not immune to debt. I still struggle with some aspects of it. Its especially
tempting for me to get discounted items of quality. I love buying quality items and
I buy only quality items. Sometimes, when I go to stores to get a new dress or a
coat and see a red discount label on the brand I like, its very tough for me to say
no. Sometimes I get the item despite of the still voice that says no. Its stupidity,
but Im light on myself because I see that there are less and less instances of my
weakness.

So what happens when I get such an item? Eventually I realize it looks cheap. Or
that somethings wrong with it. Or it gets torn. Or something else happens.
Something negative always happens, and it must, because I got something for less
than I should have. The intention was wrongto get something valuable for less.
Life will always punish me for this.

Heres a personal reminder, and it might apply to you too. Get less stuff, but
when you do decide to buy something, make sure its of very high quality, and be
prepared to pay for it. Such items usually have long-term guarantees, so if they
break down you can replace themcheap stuff doesnt have such guarantees.
Quality items look better, and you feel better. When you feel better about
yourself, you can make better choices in life. This all gives you a much bigger
return than your initial investment.

But what about the free stuff thats available for free and was intended to be
free? Still, the same rule appliestheres nothing free in this world. By taking
something, if you dont give something in return, you will get in debt with life. So
if you take something free, you should give something in response. Maybe thats
a thank you, or a good word about a person or company; maybe its a donation.
Maybe its a service in exchange or some other good work. Theres always
something you can do to show your gratitude. For example, if I read a blog post
and get value from it, Im in debt if I dont do anything about it. Yet, if in response,
I give a link to the post on my blog so my readers can read it also, thats a good
way to repay this debt. Youre now repaying the debt that you got if you read my
free articles. Thank you for thisyoure enriching my life, and your own.

If I dont get value from a free post, I paid the debt alreadyI wasted my time on
it. Bloggers, therefore, who create value-less posts are poor, because by wasting
others time theyre getting in debt; they expect to get profit for something poor
they create, but life is fair and gives them poverty in return.

What a wonderful and happy world it would be if people only paid their debts.
Suffering and unfairness would disappear. Unexpected problems would no longer
be. It would be heaven on earth.

The cycle of poverty

The wise man does not lay up his own treasures.

The more he gives to others,

the more he has for his own.

Lao Tzu from GoodReads.com

For me its easy to see why people remain poor and why their kids remain poor.
Kids soak up the influences of their parents and repeat the same mistakes.
Parents repeat mistakes of their parents.

Anyone, from any generation, could put a stop to it. Its especially important to do
so for kids, the lights of our future.

There are many, many ways poor people keep themselves poor. A big one is
already coveredtrying to get stuff of value by paying less. Another big one is
getting stuff with money thats not yet earned. That includes mortgages, getting
laptops on a monthly repayment plan, and everything else that people own that
they dont have the money to own outright.

I personally dont have any item at home for which I havent paid outright. I dont
own a homeIm renting, because I dont have enough money to buy one. This
personal philosophy is aligned with lifes laws, and keeps me happy and at peace.
Its easy to fall for the pressure of society and get stuff you dont have the money
to buy. But that only satisfies the ego, never the Real Self. The Real Self, in turn,
becomes imprisoned and insecure because a huge lifes debt is now put on it. It
starts being strangled by this debt and this stifling of Self manifests as uneasiness
within, stress, anger, irritability and other mental and physical imbalances. You
probably know exactly how it feels to your Inner Self when you get some huge
debt. People live and breathe with this horrible feeling all their lives sometimes.
Dont they hear the voice within saying Give me freedom?

However unpopular this might sound, therefore, you shouldnt get anything you
havent yet earned.

But what about buying for investment? For many it makes sense to buy a home
by getting a mortgage, instead of paying the same amount for rent. Many people
say that theyre actually helping someone else pay off their mortgage by renting,
and thats true and its not a bad thing if youre helping out.

I understand this philosophy, and I see a good reason for getting a mortgage for
sure. Yet when I think about how I would feel if I would a get mortgage, I feel a
huge strain on my Self. I would be in so much debt; I would owe so much to life
without knowing if I could repay it. Future guarantee is not really a guarantee, its
a gamble. You might die tomorrow, and your debt would never be repaid. Im not
religious, but Jesus was right getting rid of money lenders. Lending money goes
against sacred lives laws, and anyone thats in debt knows it, because a huge
pressure is put on them as soon as they get in that debt. This pressure should be
the best indicator about what to do, the easiest answer about what action to
take.

Yes, it seems having a mortgage gives you security. But it makes you lose
freedom. And the security that you get is not real, because its based on the hope
that youll repay the mortgage, and so the house is not yours until you repay it
anyway. If you become truly debt-free, life would give you so much abundance
that you could buy the house outright. Im working towards that, but not for the
abundance itself, but because such abundance would be the proof that Im
providing massive service and that Im truly debt-free.

You can look at this issue in another way. It can feel secure to own a home
especially if you repay the mortgage. Yet even if thats the case, is the building
really yours? Do you own it after you die? When your body is dissolved into the
earth or burnt to ashes, would it matter if you owned a home or rented? Would it
matter if you drove a porsche or a ford? Owning something provides a false sense
of security and oftentimes inflames pride. It shows your investment into
something you cant really hold onto forever. Such an investment can even
depress because an understanding may dawn that the security you labored for
and invested in is not that secure.

I own only what I can afford and Im not tied down in any other way; therefore, I
hold all my personal power. After I started working for myself, any job offer that I
got I quickly refused, as that would put some limit on my freedom. Any monthly
payment plans dont tempt me in any way, even if its for a super-powerful laptop
or a great iPhone or whatever. The more freedom you have, the more you value
it, because freedom gives you choices. Its the most precious gift of the world that
Ive found so far.

The best investment is to keep yourself debt-free, because then you have all this
energy inside that serves as the best security there is. Your energy is inside
because youre not losing it as a result of debt. When youre in debt, you naturally
will think about this lack, thus expending your energy which serves like an interest
on your debt.

When youre not tied down to such tricky plans that are preying on human greed,
you hold all the power. The energy thats retained within whispers stability and
immortality. It makes you feel and appear confident. It makes you take life less
seriously. Debt-free life makes you feel like youre a free bird that can take off and
fly whenever it wishes, instead of being caged in some responsibility and longingly
looking at birds flying in the sky.

Im not telling you to accept this philosophy. Its my understanding, and this
understanding was born from my observation of life. This philosophy has kept me
happy for as long as Ive had it. If this teaching doesnt resonate with you, dont
take it. Its my duty to put it out here, but its not your duty to take it, unless you
know its right.

Penny-pinching people pay twice or more than twice

Remember that the happiest people are not those getting more, but those giving more.

H. Jackson Brown, Jr. from BrainyQuote.com

I have a friend who always gets into lifes debts and doesnt understand this fact.
A few months ago he decided to save money by getting on the train for free.
Thats a very bad idea for sure, yet in his mind it was a brilliant way to save
money. He was very happy to report to me that he wasnt caught by the ticket
person and so he saved 20. After a few weeks passed, he missed his flight to
Spain and had to pay around 100 to get on the next flight.

Now I know he will think its purely a coincidence that it happened, and he would
laugh if I suggested that its related. Thats what ignorant people dothey laugh
when they dont understand something, without analyzing it.

He also does other things that get him in debt. In fact, he does numerous things
that keep him stuck, but another obvious one is trying to park his car for free,
when hes supposed to pay. He got so many parking fines throughout his life that
he could probably buy an extra car if all his charges were returned. He also had to
waste his time in court cases for his rule-breaking. Again, he makes no connection
between these events, and thinks that he loses money by pure accident.
Some people, therefore, never learn from these very obvious lessons. They keep
making the same mistakes; keep stumbling on the same stones and falling for the
same tricks. They dont learn from these happenings and dont connect the dots
because they think that life is a random bunch of events. Seriously, its so strange
for me to hear when people believe that we just happened to form by accident,
and that life is a pure accident.

How can a person be so blind as not to see the harmony that prevails in
everything? You can take anythinganythingand see a godly pattern in it. Take
your skin tissue, for example. Its made up of millions of cells that do a perfect job
in keeping it consistent. Each cell consists of intelligent organisms that keep it
functioning. Those organisms consist of other organisms that keep those previous
ones functioning. Its utter intelligence that a human being cant grasp in its
entirety and maybe never will in the human existence. So to think that life is
random with these obvious proofs staring us in the face is pure ignorance. And
surely, people are punished for this ignorance with debt accumulation and the
resulting suffering. It shouldnt even be pondered on whether you can learn the
debt lesson or skip it. If you want a good life, you must learn to stay debt-free.

Sometimes this learning curve is a long one, it was for me for sure and still is. But
the most important thing is that Im learning, instead of committing the same
mistakes over and over again.

When I was a teenager, probably 14 or 15, I was a really naughty girl, to put it
lightly. I was so ignorant, as many teenagers are, that I stole clothing from a
second-hand store, and my best friend did too but she got caught. This shock
discouraged us from stealing more things, and it was a good lesson about what
happens when you try to get something that you didnt earn. A public shame, a
big fine, and even imprisonment are waiting for those who do such things.
Thankfully, we were fast learners and didnt proceed down this dangerous and
utterly ignorant road.
I understand children and teenagers doing stupid things because theyre not
mentally formed yet. They cant be excused for doing wrong things, but one can
understand why it happens. But when a fully formed human being makes these
childish mistakes and doesnt learn in any way, thats really something that makes
me shake my head in disbelief.

As long as people learn, thats fine. Some are slow learners, some are fast. As long
as theyre making progressany progressthings will lighten up eventually. My
progress is good but there are so many debts to settle that its taking years. Thats
because our societys habits are so rooted in this total misunderstanding of fair
living that sometimes what you do that is widely accepted is totally flawed. And
sometimes its hard to notice this flawed base because youve been living on it all
your life. And when you become aware of it, you want to slap yourself and ask
how you didnt notice it before. I guess you may know what Im talking about. Like
stealing images that are not your own. Finding stuff on the street only to lose it.
Being nasty to someone and being surprised that the world is so cruel. Trying to
own a person in relationship and then feeling empty.

As I said, as long as lessons are being learnt, the light will show up with time and
bring you clarity to further see impurities and cleanse yourself from them.

Modern life keeps people ignorant

Conquer the angry one by not getting angry; conquer the wicked by goodness; conquer the
stingy by generosity, and the liar by speaking the truth.

Gautama Buddha, The Dhammapada, from GoodReads.com

Modern times keep people extremely busy. There are so many things to do, so
many forms of entertainment to engage in. When I read non-fiction of the past,
its usually much longer and more detailed. It seems that people had more time to
let their thoughts flow on paper and get deeper into the subjects of their writing. I
love this kind of writing and my mind heals when I read such books.

Now everyone wants to get information fast, in summarized chunks in the most
convenient format ready for instant download. This is all good as it saves time and
you avoid unnecessary information, but it has its drawbacks, like making peoples
attention spans short.

Such short attention spans make people quickly lose interest and stop exploring
subjects deeper. Thats why lifes debts remain undiscovered. People are just not
ready to invest their time to explore why their lives are the way they are. Many
believe it would be a waste of time to explore something like this, when actually it
would save them their life by preventing its wastage.

The way I disconnected from modern time influences and reconnected with my
Self was through elimination of external influences. Im a very private person, but
not in a sense that I dont want to share my lifeI consider myself to be very
open with my readers. I have big boundaries, however, about whom to give my
time. I charge for my time and I only give my time to people that I value and who
value me. I remove myself from influences I dont want to absorb, like TV, radio,
news, and other negative things. I selectively expose my mind to things that might
be of benefit to it, like reading an old deep book or thinking about a deep subject.
I train my focus to stay on the subject for a long time, and I meditate to keep my
awareness high.

I spend a lot of time alone as it keeps me balanced and aware of whats

happening around. Thats how I woke up to lifes debts and got myself out of
them (not entirely yet though). Thats how you can do this tooby perceiving
your time as sacred and by guarding yourself against negative influences. The less
influenced you are by anything, the more sure of yourself you grow, and the
deeper your wisdom reaches. It doesnt happen overnight, it takes timebut its
worth it. You will never want to trade the awareness and depth you find in
yourself for any amount of money. You will start understanding the very laws that
govern life, and if thats not one of the best tools you can have in life then I dont
know what is.

For me, its fascinating to sometimes discover ways that people get themselves in
debt but dont understand their situation for what it is. Like a friend of mine who
loves watching movies online without paying for them. She downloads them at
least a couple of times a week. She gets computer viruses though, so she needs to
fix her laptop regularly, and thus she spends more for that than she would for
actually paying for those movies. Whats more, her bicycle gets stolen every two
to three months. Hmm doesnt it seem obvious enough to start feeling the link
between these mysterious events? Not so, for many people.

In this chapter I gave many examples of how people get into the debt of life. Lets
now discuss how to finish this sneaky and sometimes hard-to-discover debt and
finally accumulate lifes wealth.
How to get out of lifes debt

I slept and I dreamed that life is all joy. I woke and I saw that life is all service. I served and
I saw that service is joy.

Gibran Khalil Gibran from GoodReads.com

By now you probably have a good idea what causes your personal debts and the
reasons why these causes exist. Lets now deal with how to get out and stay out
of debt.

To get out of debt, you should make a list of all your miseries and difficulties. List
them all, and then look for what caused them. How did you manage to get
yourself in those debts? Once you realize that, repay your debts.

Here are some examples.

You are overweight. You owe your body because you hurt it with excessive food
and lack of exercise. You repay the debt to your body (the damage done) by
healing it, reducing food intake, and getting active.

You suffer in your relationship. You realize that your suffering is caused because
of the reason you got into the relationship. The reason was that you thought the
person would give you something you lack, lets say, stability. You, therefore,
understand that youre in debt with life because you tried to get something you
didnt have for nothing. To repay this debt you need to give something to that
person in return, or suffer the consequences. Sometimes the best gift you can
give to the person is to stop being with that person, because you might be causing
their pain. Sometimes the best gift is more attention, appreciation, doing
something for the person. It all depends on your specific circumstances; you
should feel which action to take.
Youre a freebie-lover. You love downloading music. To repay this debt, write on
your blog about the music creators that you love; recommend them to your
friends; buy their music; send them an email saying how much you appreciate
their work.

Your life lacks depth. Give more of yourself to it. Give more effort than youre
used to in all ways that you can. Be a better friend. Provide a better service at
work. Clean your home better. Send a text message to a family member saying
how much they mean to you. The more effort you put in life, the more depth your
life will have.

Youre lonely. Invest time into forming a relationship with your Self. And I dont
mean investing time to hearing the ego talk about how miserable life is. I mean
investing time into being with your Genuine Self. Your Genuine Self is found in
silence; in the present moment; when you spend time meditating and doing slow
yoga. When you relax and listen to your breath.

Your energy is scattered. Commit to investing in one activity to see the beautiful
results your energy can produce.

You lack motivation. Invest effort in finding what you really want to do in life,
what youre really good at and what you love.

Other ways to keep out of debt to life is to avoid free stuff. If you do get free stuff,
make sure you repay somehow, unless you got it as a thank you for some service
you provided, or for the being that you are.

For example, know that if theres a free seminar, you will either be pitched to or
somehow they will try to take your money or time. So you should go prepared, if
you still decide to go. If you want to get value from this event, you should be
prepared to buy what they pitch or to somehow return their time and effort spent
in organizing the event. Maybe you can volunteer for their next event, or say a
good word about them to your friends or colleagues. If youre not prepared to do
any of these repayments, its better not to go. Otherwise you will feel robbed in
some way, as life will definitely take back the energy you got that you didnt pay
for. For example, you might meet some really nasty people there; you might
realize that you just wasted three precious hours of your life; you might get into
some sort of incident there, like a disagreement. The list is endless. Thats why its
much more hassle-free to just pay for what you want to get!

When you think about it, theres really no free thing in life. I remember in Hampi,
a place in Western India, I found a caf that offered food on donation basis. Its
good if you pay enough, but it gets you in debt if you pay less than what it was
worth. And they had a good strategy to collect this extra paythey were a
Christian organization. So they tried to pitch people (including me) how God
would save us and what big sinners we were, and you know the drill. So it
appears like theyre providing service for less, yet they take pay in increasing
members and using their members time.
How to make life owe you

Dream doesnt become reality through magic; it takes sweat, determination and hard work.

Colin Powell, from BrainyQuote.com

Treat life fairly and life will treat you fairly. Life is absolute intelligence, its
impossible to outsmart. Whenever you try to get even a little bit more than what
youre willing to give, life will always hurt you in some way and thats not because
its bad, its because its fair. Its impersonal and automatic in the way people are
punished for their sins against their morals.

You sometimes get instant feedback, or a very quick one, about when youre
getting yourself in debt. For example, if you provide a lesser value to people than
you should, you would probably receive criticisms and would be involved in
arguments. If you create a product that doesnt work properly and would try to
get more money than its worth, people would be quick to ask for refunds and
your business would need to close down. Life shows, in such a way, that youre
accumulating debt, and sometimes prevents you from accruing further burdens.

To make life owe you, you need to do the opposite of what gets you in debt with
life. And the opposite is

Giving more service than you are paid for

Selling your product for less money than its worth
Helping someone without expecting anything in return
More than repaying the favor that someone does for you

Even if you give service equal to the amount of money you get or create a product
and charge exactly what it is worth for it, life will be easy. But if you want to gain
more and so make life pay you, you should always give more than you get. Thats
how life starts accumulating debt to you, and will repay it sooner or later.

When you give more than you get, and you repay for all the goodness others do
to you, you start overflowing with the feeling of abundance. You know you have
so much within, and this fullness makes you feel happy, at peace and confident.
Its the mastery of life as I see it, because you stop being swayed by influences as
youre fullyou dont need anything. So at first it seems that if you give more
than you take, youll be empty. But it works completely the oppositethe more
you give, the more depth and abundance you uncover within. And the less you
give, the more this abundance inside gets covered up until you feel theres
nothing within.

To not need anything and feel full just for being you, this debt concept has to be
applied to all lifes aspects, and not only finances or achievements. Relationships,
for example, can become so much easier if you apply the life debt concept. If you
feel full within, you wont go about needing anything from others. So any
relationship that you form with such an attitude, intimate or not, will be deeply
fulfilling. You would just enjoy the person for what that person is, without trying
to take anything from that personthats such a beautiful way of going about
relationships.

Whats even better, and what Im experiencing now, you wont even need any
relationships. You will have such a beautiful relationship with your own Sacred
Self, you will feel so full within, that it would be entirely up to you whether you
choose to form a new relationship or not. I personally have no wishes to form
new relationships, but when that happens, thats great too. However, theres no
need for them, and thats total freedom and happiness.

Its freedom and happiness because:

You dont feel the need to share your experiences with othersyoure just
fully in the moment, experiencing them and being happy about it.
 You dont feel like your time is running out and your greatness is not
noticed or appreciatedbecause you appreciate your own beauty and
greatness and you find total fulfillment in that.

You wake up feeling grateful that youre alive and that your ignorance is
diminishing, and that you have support within; therefore, you are strong
and dont lean on others.

I know it can be hard for some people to understand that its possible to have an
absolutely fulfilling life without other people included, especially for those who
are heavily invested in relationships. Just because some people cant understand
it, doesnt mean such a way of living doesnt exist. It just means they havent
experienced it. But its good to keep your mind open to such a possibility if you
didnt experience such a way of living, especially if this possibility looks freeing
and happiness-bringing.

I love travelling alone and I think long and hard when opportunities come to travel
with others. Would I be sacrificing my own choices if I travelled with them? Would
my enjoyment be limited in some way because I would have to work out
mutually-agreeable plans? Such questions go through my mind, and so I rarely
travel with others, unless people are very similar to me or very independent and
so dont feel insulted by travelling quite independently.

I very much look forward to travelling alone. Because then I can select the perfect
airline. I can select the perfect destination that ticks the boxes of all my
preferences. I can fully breathe in the atmosphere of a new place and slowly
assimilate all experiences, throwing out those that dont resonate with me and
fully internalizing those that do. If I was with someone else, on the other hand,
my attention would be divided. It wont be only about getting the new experience
of a new country, but about responding to another person and being in their
world half of the time, in their understanding of things.
Its a real freedom to feel full just by being with yourself, to be happy just because
You Are Here, and to be thankful for the fact that you exist. You can achieve such
a stage when you give to life more than you take from it.

Appreciating but not owning, and providing massive value

Make it a habit to tell people thank you. To express your appreciation, sincerely and
without the expectation of anything in return. Truly appreciate those around you, and youll
soon find many others around you. Truly appreciate life, and youll find that you have more
of it.

Ralph Marston from BrainyQuote.com

Can you appreciate something without trying or wanting to own it? If you do, you
know how freeing and light that is. Its deeply fulfilling in itself, and it doesnt tie
you to anything.

Its easier for women than men. Women can window-shop, fully breathing in the
essence of the item on display, yet without needing to own it. Men usually see no
point in going to stores to just look at stuff without the intention to buy anything.
I remember my ex-partner would feel extremely uncomfortable when he would
go with me to stores and I would decide not to buy anything. He would get
confused and frustrated about such a decision of mine; he would even say to me
that security guards might think we were thieves.

Men have similar takes on relationships too, but women are equals in this
particular matter. Both try to own each other, instead of just appreciating that the
relationship Is, or that some person is sharing their life with you. Its tough in
certain cases, and for certain people, but its always possible to transcend the
need to own, and to start appreciating without attachments.
Extreme gratitude helps. Im very grateful to be allowed a glimpse into someones
world. Its fascinating to be able to see how others see the world. Its so beautiful
of them to allow someone into their life. This alone should be enough.

To have this kind of debt-free attitude towards life, its important to feel full
within. And to feel full within, you need to repay lifes debts. I already talked
about how to do this, but here are more suggestions:

If someone recommends you, make sure to recommend that person in

return, or say some good words about them. If you cant recommend them,
at least personally thank them for them recommending you. Do something
nice for them.

If someone hurts you, see it as a past debt and let it be without reacting to
it. Such an attitude will neutralize the debt, whilst a negative reaction
would keep the debt active in your life.

If someone is not satisfied with the service rendered, do everything you can
to make them feel they got a fair deal eventually, as long as you dont feel
used. If you do, see it as a debt and leave it at that, without negative
reactions, to neutralize it.

If someone obviously uses you, see it as your past debt, but of course dont
let them leave you empty. Put a stop to it by removing yourself from the
situation in some way, and start providing value in response, to repay the
debt in a more positive way.

If you experience some misfortune, dont kindle the fire by feeling sorry for
yourself or focusing on how horrible the situation is. Instead, see it as a
consequence of your debt, accept it and promise yourself to not get into
debt again.
 If you get robbed you probably know what to do by now. See it as a
punishment for your accumulated debt, and promise to yourself not to get
into debt again. Dont react negatively to this happening, no matter how
distressful it seems to be.

Pay exactly or more for the services and products you receive.

Do you want to dictate life, instead of not being sure of what life will throw at you
next? To do that, you must provide massive value. You know youre providing
massive value when people are massively grateful for your products and services
and when this massive value reflects in the numbers in your bank account.

Do you personally know any person whos providing such value? Probably not, or
only one or two. And thats the reason people are stuck in mediocritythey dont
provide massive value.

Dont be like the majoritygo with laws of life, instead of trying to outsmart
them. Cheating doesnt worklook at the average existence of many to
understand that.

Provide massive value to people. Dont think about your needs. Think about the
needs of others and your needs will be definitely taken care of. Never worry
about your finances but focus on making others lives easy or great in some way.
Then finances will take care of themselves. Even Henry Ford, one of the richest
men of all times, wrote about this. I loved his book My Life and Work (available
for free online) where he leisurely and carefully wrote not only about his
company and how laws of wealth work, but also about birdhouses and nests! You
can totally understand his thinking by absorbing the twists and turns of the mind
recorded in the pages of his book. And what he said about living life well was that
your well-being will always be taken care of if you take care of the well-being of
others.

If you dont have the perfect job or your own business but wish to, start providing
perfect service in any way that you can now. Maybe thats through the job that
you have. Even if you hate it very much, if thats the only outlet for providing
value, use it. Its better, however, not to provide any service than to provide a bad
one. Because if you provide bad service, you get more into debt with life and so
more stuck in the circumstances you wish to move away from.

People already are miserable. Most people have so many hurts and problems that
the last thing they need is bad service, a nasty word, or a product that doesnt
work. Bring sunshine into the cloudy lives of others and you will be amazed at
how fast humanity responds to you and crowns you.

Getting your desires manifested

Keep your dreams alive. Understand to achieve anything requires faith and belief in
yourself, vision, hard work, determination, and dedication. Remember all things are possible
for those who believe.

Gail Devers from BrainyQuote.com

Heres an exciting part about making life owe you. If you dont know what life
would give you to repay the debt, its not that motivating. But when you know
that you can get exactly what you wish by making life owe you, it gets really
exciting.

How to do this? By repaying the debt and then creating credit, you need to keep
in mind the vision of your ideal life or goal. So when youre repaying the debt of
life or getting life to owe you by providing good service, for example, you should
keep in your minds eye the vision of your perfect life or the goal that you want to
achieve. By minds eye I mean to simply keep this vision in mind, to see it in
your mind, for it to manifest. Take action with this vision in mind, as that will
clearly show the universe what you want to get in return for your efforts. Thats
the same as a child pointing to a toy for his mom to know what he wants. If she
wouldnt do it, her mother might buy something that the child doesnt like.

Keeping the vision in mind and working to get it always works, but limiting beliefs
severely slow down this process, especially if theyre connected to your desires
and goals. You should definitely eliminate them (if you have them) for them not
to serve as blocks to your progress and success. I wrote a lot about this topic and
you can check this post, for example, to help you with removing such beliefs.

I like comparing having a vision whilst providing excellent service with digging a
hole in the ground and waiting for the rain. You dont know when, but the rain
must come for sure and fill it. You dont know when life will reward you for your
efforts, but be certain it will, if you keep getting it in debt with you.

I would also advise working with an expectant attitude to get your desires. You
may even fake impatience, along the lines of This goal is supposed to be here,
where is it? which shows that youre totally certain its manifesting, and you
cant wait to see it.

With these toolsproviding excellent value, having a clear vision in your mind,
eliminating limiting beliefs, and expecting your goals to manifestlife will start
flowing and you will open up to a world of possibilities, opportunities, and
abundance.

If you have no goals and provide amazing service, you will have a good life. But
there wont be a steering wheel for it, which some people dont mind. Its totally
up to you. In India, I had no steering wheel, so to speak. I enjoyed being in the
flow, and I didnt know what life would bring next. I took life very leisurely and
enjoyed it. I wrote fewer posts, but I would try to infuse each one with my joy. I
let life give in return what it wished. I got a mixed bag of goodies, all good and
enriching, and I was happy about it.

In London, where I currently reside, I have a goal that pushes me forward. My

productivity increased, and I see my goal materializing. Its a totally different
experience to the one I had in India, but its equally rewarding. So its up to you
which method suits your current life. Both ways to go about life made me happy
and I needed both of them at different times of my life. Both of these methods
will probably suit you at different times of your life too.

Know, however, that you dont have to accept something that life offers you in
response to your good service. If you reject the reward because you dont like it,
another will reach you after some time which may be more appropriate. Again, if
you form a clear goal in mind, you make it easier for life to give you what you
really want.

Some people settle for less, and so get their pay, but thats not what they really
wanted. Yet once they accept the pay, they wont get another unless they again
put enough effort to get life in debt with them. So be careful what you accept.

For example, a nice person enters your life that you think would be a nice partner,
though not ideal. That person has some annoying qualities, but overall you like
what you see. Are you really ready to spend the rest of your life with a person
youre unsure of? Your heart is the best guide in such a case, not head. Head
might say Oh this person is great because he/she is financially stable and good
looking but theres uneasiness in the heart. Listen to what the heart says. It
always knows. The mind is blind, the heart sees.

Refuse what you dont like, but dont close yourself off. Keep envisioning your
ideal goal/life and keep providing breath-taking service until you get what you
want.

When it comes to money, you should accept all sums that come! Money is the
single type, a source. Its not like one type of person or another type of person. So
always be open to abundance, never close yourself off it, if it rightly comes to you
as a reward for your work.

Heres another note of caution. Some people are too focused on what they want
and refuse better things life sends their way. Thats because what they want are
egoistic goals. They dont listen to the heart, so they ignore what life sends that
would please the heart. Its a trap, because if a person refuses the good stuff and
after years of hard work gets the egoistic goal, it will feel empty and that person
will be utterly disappointed.

Be focused, therefore, but this focus should come from the heart that knows, and
not the mind that coldly calculates with the help of limited knowledge imparted
on it. Heart contains wisdom. Brain contains limited beliefs and limited knowledge
of life collected through your personal experiences, judgments, and reactions.

Heres a final piece of advice. When you finally get your goal, dont try to own it.
Life gave it to you as a toy. Enjoy it, play with it, but know its not yours. Let go of
it when its time, or when life decides to take it back. Its the property of life and
not yours. Your body is not yours alsoits the property of life too. Your partner is
the property of life. Your house is the property of life. We are tenants of this
world, we didnt create anything. What we seemingly create is with rented tools;
we are visitors here and non-attachment is the way to go.
Some final cautions

Hard work spotlights the character of people: some turn up their sleeves, some turn up their
noses, and some dont turn up at all.

Sam Ewing from BrainyQuote.com

Debt with life can be created in many ways, so you should keep your awareness
high at all times to avoid pitfalls. Sometimes the ego will try to trick you by
silencing the still voice within. Dont let it. It will only produce suffering shortly
after. If you let it do this anyway, dont be too hard on yourselfbecause if you
are, you will stifle the Inner Self (youll batter the Inner Child) and so it will be
scared to raise its voice when you commit the next sin against your Self. Simply
accept that you made a mistake and promise to yourself not to repeat it. Im
making mistakes too, and Im getting in debt with life still, yet I accept my
mistakes and try to learn from them, in order not to repeat them.

Scan all areas of your life for current debts and if you cant repay them in the
same way that you owe them, repay them in a different way. For example, if
youre living with your partner and youre jobless, and so your partner pays the
rent/mortgage, at least clean the house very well, always wash the clothes and
dishes; make your partner feel relaxed after work. Do everything you can to avoid
accumulating debt.

The easiest way to remove debts from your life is to remove all social interactions
and stay alone for a while. Then you will become aware of which areas of your life
are lacking and in what ways you owe life. The more debts you repay, the lighter,
happier and more at peace you will feel. Debts serve as energy drains and clouds
that prevent the sunshine of clarity; once you have all the energy for you to use,
you will become unstoppable.
Always trust your intuition. Always make sure you are tuned into how your Self
feels. If there is uneasiness within, look in what ways youre getting yourself into
debt. When youre about to do something and the Self within tries to stop you,
stop and listen. Are you about to get more in debt with life?

Here are some final reminders to make sure your balance sheet is light:

1. Give more than you take

2. Provide more or exact service that youre paid for

3. Pay more or exactly the right price for any product/service that you buy/receive

4. Listen to your intuition

5. Think when you are about to take any action about a possible debt creation
Readers questions

Question: My question is regarding being given too much change. For example, I
do my weekly grocery shopping and it comes to $90 and I give them $100 and I
get $20 change when it should have been $10. What do I do? I have always
returned it and been straight up honest as I thought this would create bad
karma so to speak. I also feared that the young cashier will not balance at the
end of the day. However, only recently have I possibly changed my mind about
this. Could this be the universe paying me in some way? Should I keep quiet and
take the money? Im at a real loss as to what to do about this. Im hoping you can
help!

Answer: How would you feel inside if you took this money without telling about
the blunder? I think you know the answer. It might be a mistake, and you
wouldnt be punished for that if you didnt see it. Yet if you noticed that youre
given more than what you paid for, you shouldnt take it. Dont take things that
dont belong to you; accept only the payment thats rightfully yours, like friends
gifts for your good deeds, bigger salary, or bigger business profits.

The cashier made a blunder because this person is in debt with the universe. But
if I were you, I wouldnt be the one punishing the cashier for it; I would kindly
make that known, and wait for other, more valid, avenues to be opened for
receiving abundance.

My thinking, by the way, radically changed about this question throughout years. I
used to support the action of taking abundance in all ways that come to you. Now
I see it a bit differentlyits the intention behind taking that counts.

When it comes to finding stuff, I have the same opinion. In India people actually
believe that you should never take what you find on the street, no matter how
valuable it seems, especially gold. I would be interested to hear which opinions
other cultures hold about the matter (please contact me if you have such
informationI appreciate that!).

I once found a gold bracelet in the shopping centre in South India and took it.
Fast-forward several months; Im in Thailand, on a bicycle late evening, pedaling
home. A motorcycle cuts across, blocks my way and the rider snatches my bag
and rides off. With all my money, passport and a gold bracelet. I can honestly
say throughout years I lost all the stuff that I picked up on the street, and that
taught me not to take such things. Theyre not mine, and because theyre not
mine, I will lose them in some way. I think most people experience something
similar, and we might be stepping on a big law here.

Question: Is life debt the same as the Law of Sacrifice?

Answer: All lifes laws are interconnected, and life debt definitely relates to the
law of sacrifice. The law of sacrifice can be defined this way: in order to get
something new, you must sacrifice something oldbe it your old habitual Self,
your negative thinking, or your ways of lifein order to grow and become more
successful. Life debt is dissolved by giving more than you take. You must sacrifice
your old greedy Self for the new generous one to be able to provide more than
youre getting paid for, so these laws are definitely connected, yet not the same.

Question: Im often given free things and I love it. I also think of it as the universe
paying me back in some way. Does that make me indebted to the universe?

Answer: No, because if you are given those things, that means people give you
them in response to something good you did for them or others. By all means
take them, if thats what you want to get! Its not free; you paid for it with who
you are! Its the taking when nobody wants to personally give to you that puts
you in debt.
Question: Does life debt stop you from manifesting what you want or does it just
collect on the debt? For example, if Im trying to manifest a dream honeymoon,
if I have life debt could it stop me from manifesting or will it just collect the
universal payment some other time?

Answer: Yes it could, we never know. Its more likely to prevent you from having
this wonderful honeymoon if youre getting into debt whilst having this goal in
mind. For example, if you dream about this honeymoon and to get money for it
you create a product to sell for a higher price than its worth. In general, I havent
figured out the way to know when life starts collecting debt; you might be
stopped from manifesting this dream honeymoon, and you might not.

Question: First of all, thank you so much for your eBook. It's really eye-opening to
me. I have a few questions.

What happens if I google free articles and read them? If I google something that
means I intentionally try to get it, right? If I intentionally google your free articles
on your website and read them, do I get into the debt with life?

Also, if you put free articles on your website, does it mean you make the universe
get into the debt with you? Thanks in advance!

Answer: Great question. Firstly, let me ask you a question. What happens when
you continuously google free stuff and you read blog upon blog, collecting endless
amounts of information? You feel miserable and empty, right? Well this misery
and emptiness is your pay for what you got. Its not worth it to pay this way,
because this misery sets a bad vibe and manifests further bad things, keeping you
stuck.
Since you bought my eBook, youre not getting my stuff for freeyou repaid for
it. But if you googled free articles, read them and moved on what was your
intention? To get Something for Nothing.

However, since the articles were meant to be given for free, its a small debt to
pay. You could say a few good words about the author, purchase their product
when you have money or donate. Even a hearty Thank You or a wish for them
to be well will repay it. If the advice wasnt helpful, youve already paid the debt
you lost your time reading it.

Its always nice though to spread the word about the free information that helped
you. If because of you more people get helped, youre creating abundance for
yourself and others.

Yes, I make life owe me through creating useful articles. In response, I get money,
acknowledgment, gratitude, creativity, and my eyes are opened to more
knowledge that would further help humanity.

Do you have a question?

Do you have a question about lifes debt? If so, let me know and Ill answer it.
Email it to simonarich1@gmail.com . Its likely that Ill answer it and update this
eBook with it. I will let you know by email as soon as I answer your question or
the questions of others.
Life Debt Checklist: 68 questions

Here are some statements you should read out to check whether youre in debt in
some area of life or not. Its useful to print the following list out and regularly
check if youre not getting into debt, as its so easy to forget practicing debt-free
life, especially in a society ignorant of getting into such debt.

If you want to print out this list alone without having to print the rest of the
eBook (so that you could keep it somewhere visible, like on your desk), simply
highlight this list by left-clicking your mouse button and dragging it all the way to
the end of the list and then press Copy. Paste it into a word document or
somewhere similar, and print it out.

This checklist covers these lifes areas:

Relationships Finances Personal Achievement and Work Health

Entertainment Miscellaneous

Highlight the statements that dont apply to you and promise to yourself to act
differently next time.

Relationships

1. I really listen when people speak to me

2. I acknowledge and thank those who help me
3. When someone invites me out I reciprocate
4. I never talk about people behind their backs
5. Im never jealous of others successes
6. I never cheat
7. I dont exaggerate my achievements and status
8. I treat others the way I want to be treated
9. I never use people, no matter how easy that sometimes is
 10. I put more into a relationship than I get out, or at least I put in equal effort
11. I never take my relationships for granted
12. I never make friends just because I think they will be useful
13. Im in a relationship for the sake of it, and not to get something out of it
14. My intention in relationships is to appreciate another being and thats all
15. When someone verbally attacks me, I dont respond from the same
awareness level as that person
16. When someone insults me, I do a reality check within but dont attack back
17. I fully realize that people who feel unloved feel this way because they
search for love outside of themselves
18. I know that couples who get into relationships for needy reasons suffer
19. When someone takes time to be present with me, I do the same.
20. When people are rude or argumentative with me, I dont lower myself to
their level but let the drama play out without me

Finances

1. I give more in value than I charge

2. I dont get bargains because I know that they prey on human greed and
get one in debt
3. I dont worry about my finances because I know that if I provide genuine
value to people, finances will take care of themselves
4. I buy only what I can own outright
5. I always pay enough or more for the service received
6. Im happy to pay a rightful amount for a really quality item
7. I dont get into any sort of financial debt as thats cheating lifes laws
8. When money shortages are present I know Im repaying lifes debt
9. When money shortages are present, instead of focusing on this fact, I focus
on providing amazing value to avoid future shortages
10. I never allow the greed voice to take over and overcharge people for my
products or services
11. I do enough work or more for what Im paid
 12. I know that even if I dont have a perfect job/business yet, if I keep creating
value for people, with time I will achieve this objective
13. Penny-pinchers always pay twice
14. I buy high quality items because they end up saving money, last longer,
and make me feel better about myself
15. I dont buy stuff just to show to people that I can afford it or in response to
some emotional low
16. I see money as energy returnthe more I put out, the more I get back
17. Lack of money always indicates debt with life that must be repaid by
helping people in some way
18. I take responsibility for all my financial troubles as only when I know that
Im responsible, can I solve those problems

Personal Achievement and Work

1. I know that success requires investment, and that there are no shortcuts to
it
2. I know that obstacles on my path of success are deserved, and by keeping
my sight on the goal Ill eventually surpass them
3. My current circumstances are definitely deserved
4. I will use whatever tools I have at the moment, and I trust that better ones
will reach me when I deserve them
5. I understand that simply expecting good things to come but not taking any
action wont make them materialize
6. Instead of scattering my energies all over, I will focus on achieving one goal
and take constant action until its achieved
7. Any setback is a debt and I repay it by learning from it and moving on
without repeating the same mistake again
8. I know exactly what payment I want to get from life by my hard work. I
have a clear vision in my mind about what this payment looks like
9. Im not looking at others achievements thinking its not fair they have this
or that. Everyone deserves what they have, so do I
 10. Its hard to know when my efforts are rewarded but they will be rewarded
for sure

Health

1. I deserve the diseases I have. Theyre payments for my actions to my body

2. Health must come if I no longer cheat my body. I will give it all the nutrients
it needs and treat it well
3. I wont fall for fast crash diets and other health tricks as I know theyre not
going to last but make me more in debt with my body
4. Self-mastery produces health, because then you play according to the rules
of your body (digestion and health) so youre no longer penalized

Entertainment

1. When I entertain myself, Im spending the life money I earned; when Im

working, Im getting life to owe me
2. I spend more time making money than spending lifes credit by entertaining
myself
3. I find that the more I entertain myself in ways that are actually helpful to
me and others, the less lifes credit I waste, and I can actually earn it this
way
4. The best entertainment I can get is the higher level of life thats awarded to
me when I provide lots of value

Miscellaneous

1. If Im renting a home, I use the same amount of electricity and water as I

would if I owned it
2. If I borrow something, I care for it in the same way as I do for my own
things
10 debt-free days challenge

As youve signed up to the 10 Debt-Free Days Challenge when purchasing the

eBook, please make sure to open daily emails reminding you to stay debt-free!

They will contain the very same list of statements that you just read on the
previous pages, which will serve as affirmations to stay out of debt.

Let these daily emails hold you accountable, and Im holding you accountable
also, because I really want to get your email saying how wonderful your life
becomes once youre debt free! (Please send such emails to
simonarich1@gmail.com .)
Some final words

Finally, if you think that this eBook was worth more than what you paid for it, I
would appreciate if you could do either of these two things, or both of them:

Recommend it to your friends by sharing this link.

Leave a feedback about it here.

Thank you in advance!

Also, your questions or suggestions are always welcome! If you spotted some
typo, I would appreciate if you could let me know! Email me at
simonarich1@gmail.com and Ill surely get your words.

All the best in your life and I wish you to become aware of even the smallest
debts, repay them all, and never owe life again, but make it pay you.

Love and Light,

Simona Rich
The End.