If you are reading this, then it's quite likely you have a financial emergency. I get far too many requests from people who are at their wits' end because of money problems. It goes to show that people are suffering everywhere. Much of this is due to bad luck and the economic crash of circa 2008, but a great deal of it is due to poor budgeting (or a total lack of budgeting), no savings, overspending, etc.
Rest assured, I am not judging you personally. I wrote this article because I get requests all the time from people, to "fix it" and usually, by the time the person is asking a magician for help, it's gotten way beyond ridiculous.
I can’t write all this information every time, for each individual client; it would take far too much time. So, I am laying out here my views on money and how we should approach magick in regard to finances.
People usually say something to me like “I’m at the end of my rope”, “I am dead broke”, “I have nowhere else to turn”, “I need your help. No one else can help me” or “I’m all out of money”.
The first thing we need to do is to establish exactly what you mean, when you say
“I am broke”.
If I’m going to be able to help you, you must first realize that I don’t know YOUR situation.
With Family X, “all out of money” means there is only $5,000 left in the trust fund.
With Family Y, the same statement means $10,000 in credit card debt, no car, no job, no food in the house and an overdrawn checking account.
So, I need you to clarify exactly what YOUR situation is, in DETAIL.
* How much do you typically earn in a year?
* How much debt do you have and what kind of debt is it?
* Do you have reliable transportation?
* Are you currently employed and if so, is it stable?
* What is your total monthly budget (incoming money and outgoing money)?
* What is the most pressing financial emergency you have right now?
* Where can you trim monthly expenses? Can you cut off the cable, the Netflix account, the gym membership, the daily trips to Starbucks, or the shopping trips for items like new clothes and other non-emergency items?
I have personally dug myself out from under many thousands of dollars of credit card debt. I still have some student loan debt but I am working on that. I have stocks and savings. So, I know that circumstances like this can be turned around. They are survivable.
**** If you are going to fix your situation,
you are going to have to
give up something
to gain your financial freedom.
Again, this is all very general advice that applies to anyone and everyone; I am not speaking to you, personally.
Chances are, I don’t even know you. This is bits of practical advice that has proven to work for all types of people, time and time again.
I will try to help you if... you show a real determination to follow the steps I outline but realize this:
*** Of every 10 people who tell me how desperate they are, how badly they want to change this, how they will do anything to fix the problem...
Only 1 or 2 of them
do what it takes
to really fix the problem.
The other 8 or 9 will not even admit to themselves that they caused the problem to begin with.
But if you don’t OWN the problem, then you can’t FIX the problem.
It must belong to you, before you can change it.
If a stranger’s cart tire is flat, you might like to change it, just to be nice. But really, you need permission before you touch and tinker with other peoples’ belongings. You only have the right to change your own tire.
You also only have the right to change your own financial problems.
So, if you're telling yourself that these problems are "not your fault", then you're not in a position to change the problems.
You are defeated, before you even begin.
So, own the problem first. Then, set about changing it. Just like Alcoholics Anonymous, the first step is admitting that you have a problem. But this is a problem with the management of money. So, first you must resolve to change the poor decision-making habits that got you here. Then we will start to dig you out of this hole… very slowly.
Now… what can I do for you?
I honestly don’t know. Perhaps nothing.
Perhaps your problem has escalated far beyond the point of repair. Maybe there is a way out, and maybe there is no way out. I don't know. It depends on how long you have let this go on and also how hard you are truly willing to work and how much you are honestly willing to change to fix this mess. It also depends on the level of responsibility you are willing to take for creating the mess to begin with and what you are willing to give up, in order to move forward.
You might have to sell your home or car, declare bankruptcy, or something else rather unpleasant. I can tell you this much. I am not going to cast a spell for you to win the lottery, if you don't have expendable income that you can actually afford to gamble with. I get asked quite regularly by people who are broke to do just this and I say no... every time. If you have $10 and you are going to spend it on a lottery ticket, when you have no food in the fridge... I cannot help you. Your problems are too deep for me, friend. You need to accept reality first.
Now, for those of you who will say groceries first, I can maybe work with you. As to what exactly I can do for you, it will depend on the particulars that I spoke of earlier.
Email me a picture of you, or you and your family and at very least, I will set a light on my altar for you, at no charge.
If you want me to try something stronger than that, I can look into it but I would first need to know EXACTLY what you need the most help with. I also need to know what kind of steps that YOU are taking to change this, other than just seeking my help.
I would like to see you consulting your local resources to ask for guidance. Look on Google for free resources in your area. Get yourself some debt counseling.
For example, Google the words FREE DEBT COUNSELING and several things come up. I cannot vouch for any particular companies, except Money Management International. I used them and had good results but they may only deal with credit cards, I am not really sure. But dig until you find what you need. You should not have to pay for a consultation with a company that does debt management.
I will try to help you with the spiritual aspect of this, but the real hard work of correcting this will be up to YOU.
Think of the old adage,
"Pray like it all depends on God.
Work like it all depends on you".
Working this problem from the spiritual angle alone is doomed to failure. You must hit it from all sides at once.
Even then, if you've let it go on too long, you may just have to swallow hard, clean up the mess and learn your lesson.
Sometimes there are law firms that help people at little to no cost for negotiating things like bankruptcies, mortgages, loans, etc.
Spend some time looking at the internet and the local phone book, make some calls and dig around. Be a pest and tell people you really need help bad.
If you belong to a church, let them know you are struggling. Ask your priest/pastor/etc for advice and resources. Sometimes they can help you a little. The Department of Social Services is a good place to get food stamps, emergency bill money, medical assistance, etc. They can often give you a voucher for a food bank, so you can eat tonight.
Try Googling HOW TO BUDGET, or something similar. Go to your local library and check out a book like Personal Finance For Dummies. Read it and do what it advises.
Your situation is not likely to improve quickly. It will probably be very slow and very painful. These financial holes take a long time to dig... and even longer to dig your way out of.
The main thing to understand is that most people have a poor understanding of money in general. Your thinking and attitudes about money will have to be changed before anything gets better.
Otherwise, even if you fix this problem, you will most likely just create a similar problem in the future. You'll repeat the pattern, because the real problem has not been addressed. You will simply replay the old script, the only thing your mind knows. What you need is to erase the tape and record a new, more efficient message.
*** Try to realize that the real problem is in
how we think about money.
I am a magician. What I do is push energy. If I push energy your way, you can still undo that energy, by continuing in poor spending habits. So, I don’t want to waste time on people who are not ready for real change.
Let me know if you have any money to put toward spell work to fix this problem. If so, great. I can help you by casting a stop debt spell, or a "money uncrossing" type of spell, or a "get a better job" spell, etc.
If you do not have disposable income, I will still set a light for you; I will include you in my prayers.
But if you want more than that, then I have to do a reading, a divination, to see if I can interfere in your problems, or if I am supposed to stay out of it.
Yes, sometimes (actually, fairly often) I get told by the Spirits and by my cards to stay far away from some people and their financial messes. They have lessons to learn that I am not to be interfering with.
I sometimes take on a case at no charge up front. But I don’t have the time to do that for very many people. I also have to make a living. I also have a family to provide for. I may do spell work for you, if...
I ALSO DO NOT TAKE EVERY CASE, SIMPLY BECAUSE THE CLIENT OFFERS ME MONEY.
Some people will offer me money that they should not be spending. If you have $200 and you need to spend that on food or gas or bills, then I cannot in good conscience accept your money. Only if you have the money to spend can I take it from you.
Other, less honest people will try to convince me that they are dead broke when actually they have 3 cars, yet they really only need 1 car. Often they are dead broke… by their standards!
But if you can fix your problem by selling your BMW automobile, then you don’t need me. You need to run an ad for a used BMW. Don't give me a sob story, because the cards will show me you are full of it and you will have only succeeded in wasting my time.
I only take the cases of people who the spirits tell me I might actually be able to help and those who demonstrate a willingness to help themselves. If you are willing to help yourself, prove it to me by sending me a list of everything that you are doing to fix your problems.
Then, if you have any money to put toward spell work, tell me how much you can honestly afford to spend. I will outline a plan for you.
If you honestly cannot afford even $5 right now. I can set a light for you for $5.
If you have no money at all, I still might work with you, but you are going to have to really prove to me that you are doing EVERYTHING you can do to completely turn this around. Nothing pisses me off more than doing a working to fix someone’s problem, only to find out that it worked and then they recreated the problem, because they didn’t learn their lesson.
If you are ready for real change, then let me know. But first realize I will TRY to help you.
I am not your ace in the hole.
I didn’t create your mess and I am not responsible for you. You are responsible for you. I am responsible for me and my family.
I will try to help you clean up your situation, but you cannot expect money to fall out of the sky for you, just because I did a spell for you.
Magick happens through very ordinary, mundane means. It will help your situation, but only if you are willing to work hard and to cut expenses, work even harder still, save even more and spend even less.
You will have to do your homework and stick to a budget. Did I mention you will have to spend less?
you will have to
For you, that may mean eating tunafish sandwiches every day, or it may mean letting the bank take your Mercedes. Again, I don’t know what YOUR situation is. You tell me how bad it really is. Tell me in terms of hard figures that a stranger (me) can understand.
If you are willing to fix this, I will try to help. It can be done but it will take a drastic overhaul of how you think and act. Anything less and you are only kidding yourself. Start immediately on the suggestions I have already made. Answer the questions I have put to you. Let’s get this fixed.
If you are unemployed, down and out, all busted and broke, then what I recommend is that we do a job-finding ritual, with the stated purpose of being able to “find and being able to keep ‘gainful employment’. We can maybe be a little more greedy and ask that you will find an acceptable level of fulfillment and personal satisfaction”, if the cards say it's OK. If they don't, then you will just have to take whatever ditch-digging, dishwashing job you can get. I've done more than my share of those and you can swing it too, if you are really willing to try.
Asking for a job that will help you survive is a perfectly reasonable goal and it should be a successful working, if we keep it simple like that and don't go too "pie in the sky". Phase 2 is pretty simple. Get you working. Or, get you working more... or for more money.
The Angels/Spirits in question know that you need to work to live and they respect that. They also know that you (and I) harbor secret dreams of being as wealthy as Bill Gates. That, they do NOT have any sympathy for. Go figure.
They don't frown upon those desires... it's just that well... we don't NEED that. We NEED gainful employment. "Gainful employment" only means that you can get ahead slowly and surely
If you manage your money properly !!!
If you squander it, you will stay in the J.O.B. category (Just Over Broke).
They often will, however, reward what the Bible calls good stewardship. Those who work well with what they are given and turn a profit with it, not squandering it... these people are called good stewards and they are given more. Hence the saying, "The rich get richer and the poor get poorer". I'm no Republican, by any means, but it does make sense that you cannot expect to simply receive and receive and then receive some more. At some point, you must prove your worth and give something back.
What I recommend is this. Once you are employed, out of every single paycheck, set aside 10%.
Don't pay a single bill or spend a penny until that money is set aside. Pay your bills and buy your food and your gas and whatever else you might want or need with the other 90% of your net pay. The 10% is allocated like this:
* 1/3 goes into a savings account (not an old coffee can, but a real bank savings account, preferably an account with a good interest rate)
* 1/3 is invested into "low risk, low yield" stocks These are solid, stable stocks and bonds (stuff like utility companies and companies that have been around "forever and a day"... they usually sell and provide basic service items like food, toothpaste, tires, pencils, etcetera; the kind of stuff that people will continue to buy even during a full-scale, economic depression).
* 1/3 goes into "speculative stocks" These are technology and fad-based stocks, or "high risk, high yield" stocks.
The savings portion is your financial "nest egg". The "low risk, low yield" stocks is your safe bets and the last 1/3 is your "gambling money".
Important: Any money that you make off of any of these investments, you take 1/4 of that money and spend it on
whatever you want!
That's right... it's your fun money!
The remaining 3/4, you reinvest, the same way you do the 10% of your monthly net salary. If you don't know how to invest, go to sharebuilder.com (or some other investment firm) and open a free account.
Get a book like Investing for Dummies and read it carefully. Do what it recommends.
When you are tempted to spend that 10% of your monthly net income on something stupid, or when you have a really pressing bill that is screaming for that money, remember times when you were really broke and/or unemployed. Ask yourself if that wouldn't have been a whole hell of a lot easier to deal with, if you’d had a safety net of savings and stocks to fall back on while you searched for a new job?
Discipline is simply
what you want
***** PLEASE realize that I am NOT a ‘financial expert’ and so I cannot legally advise you on what to do with your money. I am speaking as a friend, sharing what I have learned and what I have read and what I have practiced myself. This does not mean that I am a wealthy man. We still struggle and sometimes we sweat a bit, wondering if the checks will clear, but we never go hungry and we are managing to pay for our home, our cars, clothe ourselves, etc, and that is already (by the rest of the world's standards), very rich, indeed.
People in America tend to complain that they are poor. But the bulk of the Earth's billions of people don't own things like cars, air conditioners, personal computers, washing machines, DVD players, video game systems and the kids don't have 5 footlockers full of toys. The fact is, Americans are spoiled brats. So, we need to learn to get over ourselves and realize what true wealth is and that we actually
already have it!
The entities I generally work with, they already know how rich we Americans really are. They also see how spoiled we are and they know that most other citizens of this planet don't have nearly what we do. So, if you cast a spell and manage to actually get someone's attention with it, and you say "Make me rich"... they look at you and then at the rest of the world, then back and you and they say "Done". Hah, that was easy. To them, it's like Denzel Washington asking "Make me famous". It's just stupid. You are already rich... yes, you. Even with your mounds of debt. What you need is
money management skills.
That's what will straighten you out. Learn the RULES OF WEALTH and then apply them to your life. It will benefit you tremendously.
Now, go be rich.
And give something back.
*** I firmly believe in what I am telling you but you must make your own decisions. There is every possibility that I am simply a total idiot and you maybe shouldn't listen to me.