Dissatisfaction has become a 21st-century disease. The constant level of discontentment has caused a debt mentality. Clearing debt is not just about finding the right circumstances, person or thoughts to make the necessary changes, as escaping with integrity and insanity intact, the many situations, ideas, and people who make you want to spend. In most cases, this will be an emptiness you’re trying to fill with buying to satisfy the void.

To become aware of what is eating away at your very being, ask yourself one question. “What do I need that I am not getting now?” When a client said to me that she was hungry all the time. I asked her what she was hungry for, and three times she said, ‘food’ and three times I asked her until she said, ‘love’.

Albert Einstein said: ‘The significant problems we face today can’t be solved at the same level of thinking we were at when we created them.’ And with this in mind, this is what you need to do, change your thinking first, however there is something else that equally important and that’s to listen to your heart and soul more. Both have unique intelligence that rival the mind and runs rings around the ego.

What this article is not, it’s not the usual DIY article, which plasters over the emotional cracks and offers just practical steps, as there’s loads of information out there on the internet, magazines and the television. Instead, this is more about a person’s perceptions of poverty and the emotional attachments there is to money.


Without an insight as to why you’re in debt and the desire to spend, the chances of being free from debt are remote. Without an awareness of two significant factors, ‘poverty perception’ and ‘preferences over need’ success will be limited to clearing debts and budgeting as a temporary basis. The true essence of this article is to appreciate the various factors regarding personal liability in the 21st century and offer spiritual and practical solutions to being free of debt forever.

Real success to a debt-free life includes sensible, workable and pleasurable budgeting through twelve specific levels and areas in life. These twelve levels range from the person’s environment and present situation through to a level of inner peace, a spiritual understanding about themselves. Without this empathy with oneself, true freedom from money, worries and debt is rare.

Therefore the main aim of this article is to recognise why you’re emotionally attached to spending money you haven’t got. Then make the necessary changes in thinking and behaviour so that you can clear your debts. Without an understanding, you may find yourself going back to the old habits of spending carelessly and recklessly.

We’re all a product of our childhood and people in severe debt usually suffer from a level of poverty perception, rooted in their infancy and youth. And this can be from being disadvantaged as a child, or from being overindulged and having everything they asked for and become accustomed to having and wanting instead of need and moderation.


Both are notably emotional and behavioural patterns that can often cause a desire to spend to be thrilled. In a climate of increasing dissatisfaction and spiralling personal debt, old habits of ‘spending to be thrilled’ will most certainly return from time to time. Therefore I ask everyone regardless of his or her debt two questions.

“Out of 100%, how happy are you right now?” Most people say 50% although some people say as little as 20%. I would respond with, what’s the other percentage? The answer would invariably be: “misery” or something similar. My next question would be: “Do you want misery for the rest of your life?” The rapid change in thinking and behaviour is often remarkable. But if for any reason the answer were ‘yes’ to misery, then I would recommend further work because secondary gains take longer to address.

An example of a secondary gain is this: A client felt being ill was better than being well. Why? Her husband paid her lots of attention when she was sick. Whereas when she was well, he left her alone. She was, in fact, very lonely, but didn’t dare to talk to her husband. Instead, she attempted being ill. When this failed and a weak attempt at suicide, she ended up in a psychiatric unit.

Once inside, she realised how serious her action was. Trapped and isolated, her husband was horrified and angry that he rarely visited, and her loneliness became worse. Communication was her answer. Instead, she endured months of supervision, where her freedom curtailed.


The truth is, we are a product of our childhood and how we react will be based on this simple fact. We all bring with us old memories of childhood, our environment, behaviour patterns of parents, and the beliefs and values of the many others who influenced us throughout our childhood into young adulthood and beyond.

Not everyone is dissatisfied with their life, but most in debt is. Plus they are also discontented for all sorts of reasons. The immediate causes can be quite obvious, a change in circumstances, poor relationships, lack of gratitude and pride, procrastination, depression, unskilled or no work, all contribute to a life of dissatisfaction and apathy. But many people feel this without resorting to spending.

We struggle most of our life with an identity crisis. Being human, we invariably question the purpose of our existence and our rights! Most people have the battle scars of scarcity or overindulgence, which have been anchored deeply from childhood. If you have perceptions of never having enough, being poor, or always having what you want, then buying for yourself becomes a new habit, an emotional necessity with a considerable thrill attachment, that is hard to break.

The original E-book addresses these two vital beliefs in much greater detail than can be dealt with, and highly recommended. True stories, metaphors, examples and further techniques and approaches are offered, which provides the reader with a profoundly therapeutic journey and a greater understanding of oneself.


When money becomes your God to the point that you have no time to play, no time to appreciate, no time for hopes and dreams anymore and this God lets you down, where do you go? The truth is nowhere unless you experience an awakening. Because the reality is this, you never made a pact with God in the first place. You made a pact with the Devil.

Not the Devil of religion, but a part of you that is called the ego. You may choose to call the ego the Devil or the Devil the ego, one way or another unless there is an awakening, then Force will always over-ride power. When you allow the ego to dictate, all integrity goes out of the window. You have fallen for the trap.

The survival fear traps a world of make-believe. A world of attachments, things you can never take with you when die, but compelled to crave for, because the more you attach yourself to an object of desire, this becomes your motivator and what you think is your salvation. Debts that are okay, as long as you can afford the payments. Some are okay, but which are, and which is not?

Okay, debts?

Buying something that increases in value, like a house in right areas, classic cars, and bikes, various works from up and coming artists, first edition books, rare wines, sculptures, and land, all usually increase in value. Still, it’s always best to try and keep obligations to a minimum and only buy what you can afford to lose.


Credit cards, loans for preferences rather than needs, a smartphone that works, but you fancy a new, more expensive one. A flash car for the image you portray, designer clothes you only wear to show off, or you want your children to stand out from the crowd. Accessories you can do without, holidays and Christmas that take a year to pay off. Buying property in a more inferior area, it’s always better to buy a smaller house in a more affluent area.

So you want to double your money, who the heck doesn’t? Well, this how you do it: If it’s cash fold it, and put it back in your pocket. A cheque? Forget you have a book. A card? Leave in the wallet or use one and clear every week.

I’ve met many wealthy people,
And they have one thing in common.
They never have cash on them, never have a credit card or cheque book. Why not? They rely on others to pay their way and often people will, merely to rub shoulders with them.
The thing about debt is we’re so busy looking
At the closed door, we don’t see the open door.
Why not? Debt blinds and paralyses like no other ways do.

Sylvia Lerigo

Debts Cleared Spiritually and Practically – Copyright 2005 By C.S.Lerigo Reading Time: 10 minutes