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3 Tips to Drop Debt the LOA Way

Many manifestors want to use their creative power to eliminate debt and feel more financial freedom.
While I’ll be the first to say money isn’t responsible for making us feel free (how we feel is our job, not money’s), I understand the desire for a positive cash flow.

So here are three law of attraction-friendly tips to shift your money vibration (and thus your money situation):

1. Make Peace With the Debt

You know what people have in common who want to get rid of their debt? An aversion to debt.

Maybe we learned this financial dis-ease from our thrifty parents, or a conservative spouse. Or maybe it’s just our latest excuse to feel bad about ourselves if we have that kind of a habit rolling.

But however we got this resistance to debt, that’s gotta shift.

Because conscious creators know what it means to push against what we don’t want. (We just get more of it.)

Plenty of people have debt and feel peaceful or even appreciate it. (Did you know that was an option?)

On the other hand, folks who want to get rid of their debt often have some sort of negative charge about it.

So making peace with the debt you have is a powerful step in releasing it, believe it or not.

Some people are nervous that if they stop hating their debt they’ll just incur more. But it’s the opposite. What we resist persists.

Get okay with the money that you owe.

It’s a simple matter of finding better feeling thoughts about it. If you’d like help, give this vibration activation script a try.

2. Edit Your Identity

No, this doesn’t suggest you change your name to avoid creditors.

This tip is all about upgrading the way you think of yourself; i.e. how you know yourself to be.

Whatever we know, we create.

So if you know that you have a ton of student loan debt, or that your credit cards are maxed, so shall it be.

Our reality can’t be different than how we know it to be.

So you want to start practicing a different knowing about yourself and your money.

That allows your debt to move.

Instead of knowing yourself to be someone who was financially devastated in his divorce, practice knowing yourself as someone who is rebuilding after a life challenge.

Instead of thinking of yourself as someone who isn’t good with money and can’t seem to get ahead, try thinking of yourself as someone who is willing to make the changes that matter.

Instead of identifying with previous family members that never had a dime to their name, start choosing something new for your lineage. (Your future generations will thank you for it!)

If you need help with shifting your identity, check out this post, or GVU members can click on this course.

3. Take Feel-Better Actions

Any action that makes you feel better about your money is a step in the right direction.

We’re looking specifically for anything you can do that makes you feel more empowered, more capable, and more optimistic.

You can look to muggle money experts for traditional suggestions like cutting up cards, consolidating debt, sticking to budgets, etc. But know that the magic isn’t in the action itself – it’s in how you FEEL.

So anything that makes you feel like a more savvy financial manager is worthy of engaging.

That includes skipping payments, filing bankruptcy and any other actions that you’ve been conditioned to feel guilt or shame about.

Remember what Abe tells us: it doesn’t matter what you do; it only matters how you feel. That means any action you take only helps if you feel better when taking it.

For some people, writing down a list of all the balances owed to various creditors is an empowering action that makes them feel responsible and clear. For others, that could be overwhelming and intimidating.

Honor your inner guidance about what feels best, and follow through on those inspired actions.

I shared this tip last because once you 1) make peace with your debt and 2) start thinking of yourself as someone who is getting a good handle on their money situation, the Universe will 3) deliver options and resources to improve your finances. It’s important to cooperate with Universe by engaging the actions that further stimulate your good money vibes.

I’ve seen “miracles” happen with our financial balances once we shift our mindset about money.

Which is why I suggest you be open to big answers and fun solutions once you do the vibration management work on your debt.

And remember that the LOA way to manifest debt freedom is to be willing to feel now you would feel then.

We’re not using our manifesting skills to create an outcome that makes us feel better. We’re finding ways to feel better now, and that requires our finances to raise their game, too.

If you’ve got questions or other tips, please post so we can help you manifest the money reality you prefer.

PS – listen at the podcast for 3 tips to eliminate debt the LOA way.

  • October 22, 2017

Debt in the Vortex (Revisited)

debt in the vortexLovin’ Up Debt for a Change!

When fellow coach Janette Dalgliesh shared her take on debt, it was clear her thoughts deserved to be part of our vortex series!
We addressed finding ways to feel better about the bills a while ago, but it’s a subject worth revisiting.
Manifestors working with the law of attraction know that what we resist persists – which is good reason to get friendly with bills and mortgages and such.
If you’ve got a negative charge on debt, try on this perspective for a refreshing change. It has the potential to create a huge positive shift in your relationship with money!

I love my debt! It’s got me some really cool stuff, like the recent weekend away with my hubby that recharged and reconnected us.
How cool is it, that I live in a world where I can buy something with money that does’t physically exist yet. It represents a way to spend time with my sweetie NOW, not in some distant future when we’re both even more tired and exhausted.
Debt means I’m time-travelling with money! I love that!
I love that I got to buy an entire house while not actually having the physical money right there and then! I love my partnership with my bank, who have always been flexible and supportive. I love knowing if that partnership ever changes, I can take my beautiful debt to another bank who will be so happy to see me. My debt and I, we represent enormous value to someone else. That’s kinda cool!
Debt is just a part of my money landscape. How can I love money without loving my debt, too? Debt might be the part of my money that nobody else can appreciate, a little like the ugly puppy nobody else loves—but that’s okay. I can love the ugly one in the litter, I can definitely love my debt! Because loving my money has to be unconditional if it’s going to have any meaning.
And here’s what else I know. My credit card, my line of credit, my ability to borrow money—these are highly precious things, and I don’t use them lightly. I don’t take them for granted or flash them around town. I treat them the same way I would a precious jewel, holding them close to my heart and only bringing them out for very special occasions.
Not just any old online merchant or department store gets the privilege of being a part of my debt!
I love my debt. However it looks, right here right now, I love it as a beautiful part of my whole money story.

Big thanks to manifesting maven Janette for writing up this love story with debt!
Janette Dalgliesh is the Brain Whisperer teaching others how to rewire their brain to create their dream life. Find Janette online here.

  • April 25, 2014

How to Erase Debt with LOA

How to erase debt with LOAIs it possible to magically manifest zero balances on big bills? Can you use law of attraction to erase or eliminate existing debt?


Here are three stories of how it’s been done, with specifics on processes used so you can replicate the process. (We’d love to hear your tips in the comments!)

Case Study #1
$1,000 Legal Bill – Erased

Earlier this year I got an attorney’s bill for nearly a thousand dollars that I wasn’t expecting. I thought my account was paid in full, but this invoice showed time documented that I hadn’t paid for yet. Sigh.

It irked me that I would be out of pocket on another chunk of change that I already didn’t appreciate spending.

Frankly, I didn’t want to pay it. I thought about the consequences of that … collections, credit downgrade, creditor calls … ugh.

I let myself be mad about it for a minute (more like a day and a half) before I tried to shift the vibe.

When I was ready to start moving the energy, I used Olivia Pope’s “It’s handled” affirmation to practice the feeling of a happy ending.

Then I emailed the attorney asking for clarification. He wrote back the next day with an explanation, and it didn’t sound like he was budging.

I let myself be mad again, then that night wrote out some “I am worthy” statements, including a few about being worthy of good service, good support, and attorney bills that worked out perfectly.

The next morning I remembered Easy World, and said, “I choose to live in Easy World where everything is easy, including perfect resolution of attorney’s bills.”

Four hours later I got an email from the attorney saying “Don’t pay me anything.” Apparently there was a problem with his billing system that he was going to investigate.

A few weeks later I got a zero balance (“paid in full”) statement in the mail. Woo hoo!

Case Study #2
House Full of New Furniture – No Bill!

manifesting free furnitureA friend of mine was furnishing a new apartment from scratch, and putting the entire balance on credit. (She didn’t have any cash to put towards the purchase.)

As she stood at the counter doing the paperwork for her new account, she thought, “Wouldn’t it be nice if they lost the paperwork and I got all this for free?” It wasn’t even an intention, just a brief moment of letting herself enjoy the thought of getting all this wonderful new furniture for free.

Several weeks later when she hadn’t received any payment instructions in the mail, she called the company.

Which was tricky to do, since they’d been recently bought out or management had changed in some way.

But when she tracked down the new folks in charge, they couldn’t find any trace of her purchase. They had no account of her as a customer at all.

She phoned again the following month to give it another try, but after they still had no record of any more that she owed, she decided to gratefully and gleefully accept this gift from the Universe.

Case Study #3
$5,000 Bill Transformed to $10k in Income

magic moneyOne day I had to write a big check for professional services totaling five thousand dollars. I’m not used to spending money in big chunks like that, and it wasn’t an expenditure that was bringing me tremendous joy, but there was no avoiding it.

When I caught myself doing the math in my head and thinking that I would have $5,000 less in my account, I decided to give Universe a different instruction.

I intended that spending this money would make me money. That some how some way this money would come back to me multiplied.

That was kind of like intending that paying a big doctor’s bill would somehow magically reappear even bigger in my bank account. Kind of ridiculous, but I’m not afraid of magical money, and I know Universe can do way crazier things than this.

Before I mailed the check I gave it a big kiss (instead of resenting it – big vibrational difference) and asked it to do lovely things in the world. Then I placed it next to my smoky quartz crystal for a few hours, asking the crystal to help this money make us more money. (I’ve heard quartz crystals can be all sorts of magic.)

Off went the check in the mail that day. And get this – about a week later my ex-boyfriend wrote me a check for exactly five thousand dollars, as a show of support because he knew the situation was likely to get more expensive. (Someone had estimated I’d be out $50k before this gig was over.)

So that was cool. And shortly after that I learned that I would be reimbursed by my insurance company for almost the full five thousand. And that they’d cover future expenses. woot!

So my money has doubled already and I don’t even think the magic is over yet!

There are lots of stories from fellow creators telling how they eliminated million dollar debt, had debt paid in full, as well as tips on how to accomplish this yourself.

On this subject Edwene Gaines writes:

“All financial debt is about unforgiveness. Financial debt is a socially acceptable way to punish yourself. When you no longer have a need to punish yourself, you will allow your debt to disappear.”

So perhaps self-love is a path to eliminate debt as well?

Let’s hear your stories … how have you manifested resolution of debt you didn’t want?

  • April 21, 2014

Debt in the Vortex?

Years ago when I balked at continuing work with my coach because I didn’t want to charge $1,000 on my credit card, she reminded me of the concept of good debt versus bad debt.
She said that investing in yourself is good debt.  Which was not the rule I watched my parents live by: “don’t spend money you don’t have.”  
And as a financial planner, I was taught lots of distinctions about what makes for good debt versus bad debt
But it’s not that black and white. 
For example, most folks would probably agree that these types of loans are good:

  • Student loan
  • Vet bill
  • Home mortgage
  • Small business loan

While these types of loans are not so good:

  • Borrowing $100 to turn your luck around at the casino
  • Spending grocery money on lottery tickets
  • Credit card debt
  • New car loan
  • Plastic surgery
  • Time share vacation loan
  • Mall shopping spree

We’re pretty good at knowing the difference, right?  Schooling, medical care, shelter, business investments … if you’re going to spend money you don’t have, that’s the right way to do it.
And money spent on ridiculous things like expensive vacations and vanity surgeries is bad debt, right?  We all know we shouldn’t spend money we don’t have on depreciating assets or frivolous experiences.
But savvy deliberate creators know it’s not that simple.
The difference between good debt versus bad debt is how you feel about it.  Not what it’s for.
Or even what it results in.
If I can borrow $100 from mom to blow it on the blackjack table in 20 fast minutes, but I love every minute of it and feel great about that spending before during and after – I’m in the vortex, baby.  And that’s good.
And if I fund my brilliantly inspired dream with a small business loan that

  • I’m terrified about not being able to pay off,
  • believing it’s putting my family’s assets in jeopardy,
  • constantly stressing about how to manage my nervous spouse

 … I’d have been better off doing something that wasn’t so negatively charged for me.
What we’re talking about is debt in the vortex versus debt out of the vortex.

My suggestion is you don’t just assume that money spent “this” way is good and money spent “that” way is bad.  But rather pay attention to how this opportunity to spend makes you feel.

Key words: How You Feel.  Not how it makes mom feel, or not what the hubby thinks about it.  How it makes YOU.  FEEL.
Joe Dominguez’s book Your Money Or Your Life taught me it’s okay not to want to a nicer house and bigger car if that’s not what I care about.  If what matters to me is buying new books from the bookstore instead of borrowing from my local library, then that’s money well spent.  For ME.
And if I find the most peace by mortgaging my house to pay for two hip replacement surgeries on an eight year old foster dog, guess what?  No one else can label that irresponsible or emotional spending!  That’s me in my vortex.  And you can’t go wrong in there!

Which is also why I’d do well to reserve judgment for people who sink money into law suits against former loved ones, or friends who spend rent money on bookies, or family members who make cigarettes a higher priority than their dog’s arthritis pain pills.

Not just because technically it’s not my business, but because what matters about how we incur debt is the feeling, not the purpose
In fact, when the purpose IS the feeling, we may find we have entirely new spending priorities along with much better results in life.

  • March 4, 2011