How does just 1 word cause millions of people to panic and worry most moments of most days?
The Low down on the word ‘debt’ and what YOU get to do to FINALLY release yourself from the ‘claws’ of this word.
First a little story to story to put this all into context of why i have decided to write this….
Its late 2013 and Marta and me are suffering.
We have made choices (unconsciously) that saw us in a position where we were sometimes bringing in LESS than £1000 per month BETWEEN us.
In October 2013 we made a grand total of £800 online.
We felt called to ‘assist’ people and leave a mark in this world. We just did’t have a fucking clue how to do it.
I personally had had a credit card since finishing University and had some ‘history’ with building up credit card bills only to be bailed out by my parents.
Marta had never got a credit card until we went travelling towards the end of 2011.
So fast forward to October 2013 and we were sitting in a seminar and were offered a opportunity to go to a seminar….
roughly £600 on a credit card….
November same year we went to the seminar broke. Even stayed in the hotel down the road as it was cheaper by a few pounds.
Mentoring was offered and the £2500 went on my credit card. We simply had no other place to go.
This trend continued and i tell you this for a reason….
I KNOW many of you will have been in a similar situation…
So lets dig in.
Marta and me go ourselves to a point where we had way over £30k on credit cards between us and it felt strangling….
There were points when we literally were days from missing minimum payments and getting a good old ‘black mark’ on our records….
I had so much shame and guilt around debt that i would not go and ask for help….
I was ‘determined’ to sort the ’shit’ out….
And that very short sentence WAS the reason we were stuck for SO long.
We thought we had to DO MORE to get ourselves OUT of the place we were…The fight mentality came out of fear of that we were not good enough.
It never worked.
Things just gathered momentum and we literally were embarrassed with our situation.
I tell you all this because i KNOW there are people reading this that will resonate with this and require something to shift SOON to feel that it WILL get better.
So here is what we have re-learned regarding the word debt and how you can regain your POWER with money and NOT let it CONTROL you day to DAY!.
Debt is a mindset and a VERY clever one that keeps most people in the western world in FEAR and anxious day to day.
The truth is a MAJORITY of the worlds money is OWED to someone….
Governments
Companies
personal
The US government wiped out trillions (yep you read that right) in 2009 from the big banks like JP Morgan when they collapsed.
They simply wiped it out…
That number was almost the TOTAL personal debt on the planet.
So can you SEE how this is all just all a silly little game…..
Stick with me…
When you think of the word ‘debt’ what do you think of?
Lack, fear, scarcity, not enough? (Have a moment to think about this)
As i KNOW when i used to think of this world there was a whole world of ‘wrongness’ around it.
It was steeped in shame and guilt as parents very often didn’t grow up with the ability to ‘use’ credit.
So often we will hear things like…
‘i never had to get myself into debt’
‘I just had to make it work’
‘There is no need for credit cards they are a dangerous game’
We are heavily conditioned that ‘debt’ is a ‘bad’ place to be…
As in it assumes you are NOT in control..
Thus there comes a ‘stigma’ with a word and that then carries a ‘energy’
The energy around debt it lack. Lack is a very low frequency energy so the more we experience the word debt from ‘traditional’ perspective the more ‘wrongness’ we will FEEL.
What i desire for you ‘GET’ is that debt is a word. nothing more.
We are humans GIVE power and ENERGY to it.
So until YOU can SHIFT you energy around this word then you will continue to rack up credit cards, loans etc and even when you pay them down they will come straight back….
Maybe you know what I mean.
A big step you get to take is to come from NEUTRAL around your current situation…
No more judgement.
No more beating yourself up for where you currently are.
No amount of wrongness you apply to your situation will ALLOW you to move forward….
Grab a journal, piece of paper or whatever feels good and at the TOP of the paper simply write the word ‘DEBT’
Then set a timer and for every 20 seconds.
Every 20 seconds I want you to think or say the word debt and write down the words that come to your mind.
Do this for 3 – 5 minutes.
no judgement on this just write the FIRST thing that comes to your head each time.
Now look at the paper and see what you have written. For each thing you wrote LOOK at WHO and WHERE you have heard that in LIFE.
I promise you that you were NOT born with these perceptions around this word so they are learnt.
So first we get to bring AWARENESS to where they come from.
No awareness = nothing can change.
You will have likely heard mum, dad, friends, grandparents etc use these words….
This simply means you are LIVING there reality and not choosing to define your own….
You can take this deeper but we will save this for another day.
Now once you can SEE where you have picked up these thoughts and feelings up from this is your opportunity to CHOOSE what you desire to re-define this word.
Grab a piece of paper and again write ‘debt’ on the top.
Now consciously write down how you DESIRE to feel when you say the word debt.
The idea is that you get to FEEL light around it.
Now i KNOW what you are thinking at this stage….
Doing the above isn’t ‘changing’ the amount of money you OWE.
Correct.
However, until you can get to a place of lightness around it you WILL stay stuck just like Marta and I did.
So we get to DO the above first….As no amount of hustle, grind and grit with outwork a BROKE arse mindset.
Next you get to understand that your beliefs around ‘debt’ are based on the close circle of people you hang out with….
Look around. How many of your friends are in a similar position….
I guarantee quite a few of them…
Like attracts like.
So you get to be CONSCIOUS about the conversations you have day to day.
As without you knowing they come from lack…
like when people ask “how you getting on?”
We reply “I’m surviving”
Or I’m getting by etc etc
Our language is KEY to creating a reality and for marta and me SHIFTING our language has allowed us to SEE and experience profound change in life.
Many conversations are based out of ‘avoidance’ rather than abundance.
As in ‘at least I’m not broke’
or ‘money doesn’t grow on trees’
or ‘its alright for some’
All these declarations again are based out of lack and are actually PULLING you further into the very place you SAY you don’t desire to be.
So I ask you to consider HOW and WHAT you talk about around money.
Change the conversation and use EVIDENCE….
EVIDENCE IS EVERYWHERE TO EITHER PROVE YOUR SHIT OR CREATE A NEW REALITY.
Is it a possibility that there are people out there that HAVE changed their situation and are THRIVING?
its EASY to all group together and bitch and moan about ‘our’ situation….
However how do you CONNECT with people?
Do you desire to connect in a LACK mindset (debt)
Or do you desire to connect in a ABUNDANCE mindset?
Your choice….
Next. Swap OUT the word debt from your language.
If you cant get yourself to neutral with the word ‘debt’, simply STOP using it.
Marta and me always talk about credit cards or loans as an ‘energetic allowance’.
Heres the thing with using ‘credit’….
When you are in KNOWING and it FEELS good to make an investment…It will WORK FOR YOU….
If you decide to make an investment from lack and a fear of missing out…
You WILL prove your bullshit and it will FEEL like a ‘waste’ of money.
As you will have gathered I’m not writing this as a financial plan…
They are BULLSHIT unless you take AWAY the wrongness around owing money and shift to a energy that is light.
Now this doesn’t mean that we go to avoidance and bury your head in the sand.
You get to be sticking to commitments.
Where you commit to payments and agreements then STICK to them.
If you CANT then communicate CLEARLY and ASK for a solution. I promise people are NOT out to get you.
Everyone just wants to get paid….
Remember ‘How we do 1 thing is how we do ALL things’ – So if you stay in avoidance in money then it WILL play out in all areas of life….
The biggest shifts for Marta and me ALWAYS come when we show up in FULL vulnerability and openness.
Without judgement, shame or guilt….
To finish I desire to share with you WHY i stayed ’stuck’ for such a long time with money….
As we say ‘the thing in NOT the thing’ we just place it there because its a accepted taboo…
Like money, sex and religion.
So here was my block…
When i was young (8-9) I was upstairs with two girls and they were a little older than me. Long story short we started to all explore each others bodies out of curiosity…
In walks my mum…
She goes crazy, calls us ‘disgusting’ and drags me into the car…
Now i don’t remember much from the ride home except this sentence….
Cliff, if you cant be trusted…..
Ouch…..I realised i carried that with me up until last year.
I obviously had to PROVE that i wasn’t trustworthy so of course what better way to fulfil my belief than fuck myself over with money….
I had so much shame and guilt around the situation with the girls that it was one of the reasons i would go out to world more….
In FEAR that the company would grow ‘big’ and that would ‘come out’
Now many will have stories like this and in my experience amazing things ‘happen’ when you emotionally RELEASE guilt and shame.
The day after i released this story and made peace with it we got our FIRST 15k client…
Coincidence? Not in our world.
I actually had a client that had one of his worst months for a LONG time…
We had a call Tuesday and released a powerful story and he messages me that he just got a £2k client ‘out of nowhere’ lol.
So look in your life where you carry shame and guilt and let that shit GO!
So I literally have no idea what i have read above or if its even going to make sense to you all.
All i have shared is what i have experienced with the word ‘debt’ and what i have down to shift our experience with it.
Marta and me still have money on credit cards and thats ok as we KNOW what its there FOR and find peace with that it can and will go if we desire it to go….
Money has NO power. Its paper.
So i invite you to SHARE if this resonated in any way and what you have taken away 🙂
My unconditional LOVE to you all.
