The past and future are an illusion as both only exist in the mind, so all that ever exists for us is this very moment in time and what we see, hear and sense before us. So if you wake up and a letter from a debt collector drops through your door it only exists in that moment. But when you go to bed that same night then start thinking about that threat, you are now thinking of something from a past event and projecting it into the future.

As you lay there stressing about this debt, fearing losing your car or house hold goods, worrying about where you can get the money to pay them off so they will leave you alone. You are not only letting the universe know you have no money, but you are taking that debt collector and placing him on your doorstep. You’re creating this scene and attracting the very thing you do not want. You are creating a future of loss and financial struggle.

And the day the debt collector calls, you might in desperation get a friend or family member to help you out, or make a deal with the debt collector, or lose your vehicle for a week and manage to get the money to claim it back later because your thoughts have changed from worrying about losing your things to, I want them back. So all your thought and energy goes into creating the re-appearance of the things that are already gone.

Your compelling thoughts, determination and power determines if you get things back or if you give up and believe you’ve lost your possessions forever. Fully accepting your financial state, knowing you could never find the money to retrieve anything, and so creating this same state of affairs once again in your future, when all of this was false. Only a thought in your mind, and a feeling of dread in the gut that conveys these wishes to the universe, and so will be answered and acted upon. And you may think; well it was going to happen anyway, it’s a fact, I really was in debt, I really didn’t have any money to save my possessions, and so this was inevitable!

Well I hate to inform you, but that too is just a thought, a feeling and a belief that isn’t true. It is not your reality until you make it your reality by thinking and believing such ideas. If you lay in your bed thinking and feeling differently before sleep, finding thoughts that create joy within, then you would eventually witness a totally different experience in life. If instead of taking that thought/letter and projecting this debt collector to your door next week, you could focus on another vision and fill up your bank account instead. But as I write this your mind instantly says how?

Where would I get that kind of money from? I don’t know anybody wealthy enough to help me, and even that wealthy person I do know is so miserly they won’t help me. And I could never work hard enough or long enough to make that amount to pay off this debt. And you would be right, simply because this is what you believe, simply because this is the thought process you constantly follow because you’ve been programmed to do so all your life. You have no faith in the invisible, and even if you do it’s hard to change old habits. But the universe is not interested in doubt, hesitation, fear, frustration, the how, the whys and all the where froms!

It only responds to your energy, vibration and frequency, to your thought, faith, certainty, determination, knowing and belief. These are the positive thoughts and dreams of abundance you must portray. Forget that totally powerless, insignificant letter of debt, councils or debt collector, you are spirit! An all powerful being and they can do nothing in the wake of your passionate thoughts, inner belief and energy. I have had them try, smirk, threaten and abandon my needs, yet standing in my own power and belief, knowing I don’t need their permission, and they can force debt on me as much as they like, I have something far, far more powerful on my side.

I had god, the universe, thought, belief and sheer imagination to bring whatever they denied me into my own existence. And I did; I asked the universe for a home and furniture, I visualised hot water as I sat in the cold, lights as I sat in darkness and god said, let there be light, and so it is. I received in the most magical, unexpected ways, the home, the furniture, heating, electricity and the money I needed to survive. So everything they denied me, I manifested, and the universe also scrapped a £2,000 council tax bill I didn’t owe and was told I would have to pay it, I have no choice.

But not only did they lose but everything they relished in doing to me back fired, and the universe also made sure I witnessed the karma just so I can tell you now how this works, so I can teach the power of our own thoughts. So forget the letter of debt, yes if it helps put your mind at rest and you wish to set up a payment plan then fine. But we are all reachng a place where every penny is being taken from us through unsustainable price rises. On food, fuel, energy bills, so if you have no bargaining chips then once read put bad news behind you, move on and believe in better.

You can imagine a lottery win, you don’t have to think of the odds, if you feel a jack pot win is too big a jump then think of only 3, 4 or 5 numbers coming up, a few thousand just to pay off debt. Think of a better job, a rise in income, a new car, how much would comfortably get you through each month? And when that money manifests then do it again, ask the universe for more. Keep building on that till one day you really are a big winner and wonder how you ever believed in so little when it’s so easy to gain so much more. As a penny or a pound is just a thought; pure energy.

So there is no past or future, only this moment, we create in this moment so what we think, feel and do in this moment is of the utmost importance. Your most dominant thought in any given moment is of the highest level of significance, as there is no going back, there is only moving forward creating your future. You can dwell on your past and re-create all of your past mistakes, as many of us do. But we don’t want that, so we must learn to control our thoughts to create something new, something different, something we really want, dream of and wish for. And it helps if in this moment we fully focus on the moment, absorb our environment. Focus on the task we are doing, rather than live in the past in our mind, or wonder what we will have for dinner later as we are doing each task. Or just sit and meditate, clear all thoughts, past, present and future and manifest!