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
* What is the most pressing financial emergency you have
* 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,
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 car 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
You also only have the right to change your own
So, if you're telling yourself that these problems are
"not your fault", then you're not in a position to change the
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
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
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
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
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
Personal Finance For Dummies. Read it and do what it
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. 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
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
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
* 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"
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
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