How to get rid of financial problems. How to get rid of debts using magic: mantras and conspiracies. How to destroy a hole and get rid of the consequences

The popularity of bank loan products is only increasing every day. Seven out of ten people have credit cards in their wallets that they use regularly. Loans for goods or other important purchases are also in demand among the population. At first glance, having received a loan from a banking institution, a person can save himself from many problems and find a long-desired product.

But there is another side to the coin of credit products, and after a short period of time a person begins to think about how to get rid of debts and be financially free again. You can pay off your debt different ways, and each person will be able to choose the most optimal one for themselves.

How to get rid of debt to banks

When debt obligations on a loan begin to sink, you need to gather all your strength and find a solution that will help change your life for the better. There are the following methods on how to get rid of loan debt:

• You need to start recording all income and expenses, eliminating unnecessary purchases as much as possible during the period of repayment of obligations. Before getting rid of debts, you need to clearly determine the amount that will be feasible for monthly payment.
• Some people choose more favorable lending conditions with a minimum interest rate for using the service. In this way, you can cover your overdue debt and get on an even schedule. Although this option cannot be called the best, because the amount of debt does not decrease in this case. Reviews from clients who are in debt to the bank say that this solution is not the best, but it frees one’s head from the debts that have plunged them into a whirlpool.
• The question of how to get rid of debts if you have no money also has an answer. To do this, you need to reconfigure your perception of your existing financial situation and give yourself the mindset that everything will work out. Positive thinking and faith in the best will help you cope with any task, even financial. Some people write in their reviews that they attended special trainings that help them get into the right frame of mind. And this method is quite effective.
• If a person’s income is close to zero, he can contact a banking institution with a request to arrange a deferred payment. Many banks also offer refinancing of current debt, helping the client get on an even schedule. Based on customer reviews, this option is quite convenient.

Credit obligations that are dragging you to the bottom of the financial abyss can be resolved. The main thing is that the debtor does not lose heart and finds the most convenient solution on how to get rid of the loan debt.

Legal ways to get rid of debt obligations

A person who is concerned about how to get rid of debts considers any possible options. There are a number of legal methods for writing off liabilities. The conditions for such methods of debt forgiveness by the bank are specified in the loan agreements. Of course, in each banking institution, the clauses of the legal document for issuing loans to a client may vary significantly. Therefore, in order to understand how to get rid of debts in a certain financial institution, you need to familiarize yourself in detail with each clause of the agreement. Better yet, carefully study the legal document at the time of receiving a loan.

Clients who have encountered similar situations claim that such a decision can take years to make, however, if there is no other way out, then the person has to wait.

Is it possible to get rid of debt through court?

It happens that the debtor does not repay the obligation due to lack of funds. In a situation where a citizen does not have income, property and other benefits that can help get rid of debts to a banking institution, the person may be sued.

If during the trial individual having a debt to financial structure, proves the complete absence of financial income, then the court decides that collecting the debt from this citizen is impossible for a number of reasons. So, of course, this is not the best and good way, but if a person really has protracted financial difficulties, then this option is acceptable. By proving the lack of income through the court, there may be a chance to completely get rid of debts legally.

What to do if the loan was transferred to collectors

When a debtor for a long time does not contribute funds to pay off obligations, the bank may transfer the case to collectors. A collector is a person who has a narrow profile of activity, which is aimed at collecting debts to financial institutions from citizens. The collector acts on the basis of legislation.

When a debt is resold by a banking institution to a collection service, the client no longer bears obligations to the bank where he initially took out the loan, but directly to the collectors. Due to their work, when communicating for the first time, collectors can threateningly demand repayment of the entire amount of the debt. if a citizen does not have the opportunity to urgently pay all debt obligations, the collector will be able to come up with alternative solutions that are comfortable for the client. The main thing is to engage in dialogue and ask the service employee to offer possible conditions for repaying obligations.

Prayer to get rid of debts

When a person finds himself in a bottomless pit of loan obligations, and there is no way to repay the debt at all, one can turn to higher powers. They may be able to help you find a solution to get out of debt. The prayer may be taken from church literature, depending on what the debtor believes. You can also go to church and ask the Almighty for help in your own words.

Faith in God and hope for help will speed up the process of getting rid of financial burdens.

The psychological side of getting out of debt

Even if a person has no money, with the right mindset, he will understand how to get rid of debts. First of all, you need to give yourself a mindset and believe in yourself. A person who wants something very badly will definitely be rewarded with opportunities to achieve his goals.

To have a positive attitude and get out of the debt hole, you need to go through the following stages of working on yourself:

• Do not miss a single opportunity that will provide the opportunity to earn more money. It doesn’t matter whether it will be your main income or additional income.
• It is very important to believe in yourself. Constantly reproaching yourself for taking out a loan from a bank at one time is not an option. Debt exists and will not go away unless you stop judging yourself for thoughtlessness and wastefulness. It’s better to give yourself the mindset that at that moment there were no other options, and then you’ll have a lot of ideas in your head on how to get rid of your bank debt.
• It is also important to believe on a subconscious level that all debts will be repaid, then everything will be easier and faster. Those who have used this advice and tried to set a goal for themselves claim that the method really works.
• When thinking about how to quickly get rid of debts, you need to calculate your strengths and give yourself the mindset that money will definitely appear. Then the flow will start and the required amount will definitely appear.

If you work on yourself and your perception of what is happening, any person will have an idea and the opportunity to get rid of debt from a bank or other financial institution.

How to communicate with a bank employee if you have a loan debt

Of course, if a person has an overdue debt, employees of the bank’s specialized department regularly call them. It is important to conduct the dialogue correctly so that the staff of the institution where the loan was received treats the debtor with loyalty and understanding. What to consider when negotiating with a bank employee?

• It is worth calmly telling the bank employee about the current financial situation. Perhaps there is an alternative solution that will tell you how to get rid of debts and lack of money. Of course, the manager will not help you earn more money, but he is able to offer options for solving the problem on the part of the bank.

• You cannot speak rudely or complain about the terms of the loan; each client must familiarize themselves with them when receiving a loan. It is important to listen to everything the caller says, then explain your situation.

Having correctly and competently communicated with a bank employee, a citizen will be able to find a solution on how to get rid of debts and lack of money.

Dialogue with a debt collector regarding debt obligations

When the loan was transferred to collectors, the conversation may be somewhat more complicated than with a bank. Collectors usually speak clearly, in a fairly stern tone. The debtor needs to understand that they are not calling just like that, but are demanding that they be returned. cash, which the bank lent to the client. Here, too, it is important not to lose your balance because of formidable promises, but to try to come to an agreement.

The first call will be the most difficult. Without knowing the client’s financial capabilities, the debt collector will demand full repayment of the debt. It is important to communicate financial difficulties in a confident and even voice and ask the employee for conditions beneficial to both parties. Hearing that the client is making contact, the collector will definitely find a convenient solution. However, you should not expect complete loyalty from employees of such services. Still, their task is to take the company’s money back.

Also, do not avoid communicating with the collector. Answer all questions calmly and judiciously. Then specialists will not have any additional requirements.

How a banking structure can help a debtor

It is unlikely that a bank employee will be able to tell you how to get rid of your debt. credit card and start earning more. However, you need to understand that the bank is interested in the client repaying the debt. Therefore, you can ask to find options for solving the financial problem. There are several ways in which a client can get rid of obligations or simplify the process of resolving them:

• Debt refinancing. In this case, the bank issues a new loan to the client, and the old one is repaid using these funds. It is much easier to pay a new loan, since there is no interest charged on it and it is clearly clear how much you need to pay per month. This solution will help you get rid of both credit debts and overdue credit card payments.

• In addition to the above offer, the bank may also offer the client to defer payment repayment for several months. This service will allow you to plan financial resources and accumulate the required amount for repayment.

The main thing is not to be afraid to contact the bank for help. After all, a financial institution will always find alternative ways and help the client cope with financial difficulties.

Credit holidays in case of financial difficulties

If a person is temporarily unemployed or, due to the health of himself or a close family member, is unable to pay the loan, he can contact the bank with a request for a loan holiday. This service implies a pause in payment. To obtain such a service, you will most likely need to submit documents confirming insolvency in the current period. The service is convenient for those who are experiencing temporary financial difficulties.

The fastest ways to get rid of credit

When debts drag you into a whirlpool of endless financial difficulties, a person dreams of getting rid of the heavy load as quickly as possible. There are several methods to pay off debt as quickly as possible. The main ones are:

• Borrow money from relatives or friends. Thus, you will only need to pay back the amount that was borrowed without interest or commissions. The main thing is that there are close people who can borrow this amount of money for a long period.

• Another way to pay off obligations as quickly as possible is to save completely. In this case, you need to deny yourself everything except vital food and current payments. Contribute the entire available amount of funds to pay off the debt.
• If loans begin to interfere with life and simply turn being into existence, then you can take drastic measures. For example, sell real estate, land or a car and allocate from these funds the amount to fully repay debt obligations.

These are just a few methods on how to get rid of credit card or cash loan debt as quickly as possible. Each person must independently think about what methods are acceptable and permissible for him.

Why you need to get rid of debt

Getting a loan only in the first days seems magnificent, bright and wonderful event. But very soon this burden interferes with life and constantly limits the debtor in everything. A person who has found a way to get rid of obligations to a bank or a private organization will feel freedom, will be able to rationally plan their budget and will feel a taste for life. Of course, getting rid of debts is not always easy, but the moment a person receives a document on a closed loan, new life, full of colors, free from constant worries.

There are probably several times a day where you spend money on things that you don't really need. A bottle of Coca-Cola from a vending machine, a glass of coffee from an expensive fancy coffee shop, lunch with colleagues, a new game for your phone... The list goes on. In any case, you spend a couple of hundred (or thousand) rubles on every little thing and immediately forget about it.

The reason for this behavior is a lack of financial self-control. Over and over again, you make small expenses without thinking about the long term. But here's what the lack of self-control threatens:

• you are no closer to achieving big financial goals;
• you have to borrow money;
• you don’t know how much money you will have in a day or a month;
• you are constantly short of money.

Of course, giving up your usual lifestyle is not easy. Creating a long-term plan is more difficult than simply throwing around money and indulging in small pleasures. But if you want to live in abundance and not worry about your own future, you will need the ability to control yourself and your spending. Therefore, we will tell you how to gain self-control in matters related to money.

1. Stop making excuses

Every time you come up with an excuse for spending your money on useless purchases, you prevent yourself from starting to engage in financial planning.

When you buy something unnecessary today, you are depriving yourself of something important in the future.

Maybe it's really just a small thing. Maybe you really, really want to buy it. Maybe you need to buy something to impress someone.

But if you want to live securely, stop justifying your . Just understand: when you buy something stupid, you take a step back on the path to your financial well-being.

2. Before every purchase, ask yourself: “Can I live without this thing?”

To control your financial life, you will have to acquire the useful habit of evaluating every purchase. And now we are not talking about cost.

Do you really need this thing? Can you do without it? And is there a cheaper analogue? Ask yourself these questions every time you are about to make a purchase.

Financial self-control is the ability to say “no” to things that you would previously have said “yes” to without thinking.

Ask yourself: “Can I live without this thing?” If you answer “yes,” then you don’t need to buy anything; it’s better to save money for more important things. If you answer “no,” then ask yourself the following question: “Is there a cheaper analogue?”

This way you will learn to evaluate and accept the consequences of every decision and action you make.

3. Use cash only, no credit cards.

Usually credit cards are issued with a very large limit, and this is not without reason: with such a card in hand, it becomes more difficult for a person to control his expenses.

When you don't have real ones in your hands, paper money, when buying, it’s easy to ignore what you can actually afford. In such a situation, you only care about one thing: the main thing is that there is enough. In addition, with a card without a limit, it is much easier to get into trouble such as unaffordable bills or large debts.

The solution to the problem is very simple: use only cash. If you find that you don't have enough cash to get you through the next month, consider where you can save money. Spend more wisely next month.

Financial self-control is like riding a bicycle. Learn to control yourself with cash, it's your old bike that you don't mind. And once you feel confident in yourself, you can switch to sophisticated high-speed bicycles - use credit and debit cards.

4. Visit places where you like to spend money, without a card and with some cash.

Most people have places where they are unlikely to be able to resist temptation and are likely to spend a lot of money on what they want without even thinking about the consequences. Cafe. Book Shop. Electronics store. Clothing store. Everyone has their own weaknesses.

You are probably expecting advice to never visit such places again. But this will not teach you self-control, only how to avoid problems.

Leave your card at home, you'll only need some cash. If you haven’t decided exactly what you will buy, go for the first time without any money at all and take a closer look. Then go with a specific amount that you need to pay for your desired purchase.

This process, especially if repeated many times, teaches one to resist temptation. And resistance to temptation is the basis of self-control.

5. Focus on participation, not purchases.

Often busy people buy things just to keep in touch with their hobby or passion.

For example, a person passionately loves to read, but life has developed in such a way that there is almost always not enough time. But he continues to buy books that he would like to read (and hopes that he will read them sometime later). This is a psychological trap: buying replaces execution.

Do something instead of buying substitutes. If the problem is a lack of free time, start by reviewing your schedule.

Participating in something that interests you is incredible. effective method get rid of the obsessive desire to spend more and more money on things that replace actual participation. First, read everything from the accumulated stack of books, and only then buy new ones.

6. Choose the right communication format

We all go out to meet other people, spend time outside the home and participate in some social activity. Most often, such meetings take place in clubs, restaurants, shops and other places where you have to spend a lot of money.

For example, you go with friends for lunch, then go to the cinema, and then decide to stop by a bar. And your wallet is already missing a couple of thousand rubles.

Beware of this format of communication. You don't have to spend a lot of money to have a good time with friends. For example, you could gather at someone's home. Or any other place where spending money is not a defining activity, but part of the experience: play football in the park nearby or go on a picnic.

Perhaps some of your friends will refuse such a pastime. Well, this is a great test to determine who you know is more interested in going out and spending money and who wants to hang out with you.

7. Monitor your expenses carefully and review them periodically

The biggest challenge when tracking expenses is that people usually don't have one place where they can collect all their expenses and see where the money is going.

The solution is simple: track your expenses and write down where you spend every penny. For convenience, you can divide all expenses into categories: food, entertainment, clothing, household chemicals, transport, large purchases, utility bills and so on.

You can use one of the applications to control your personal finances. A regular notepad and a spreadsheet on a laptop are suitable for the same purposes. No matter which tool you choose, the goal remains the same: record your spending every day, sort it into categories, and analyze it to see which categories you're overspending on.

Such a review of spending is almost always a discovery for a person. Think carefully about the spending categories that strike you the most. Were these purchases really that important to you? Most likely no. What expenses or specific monthly purchases can you eliminate entirely? There will definitely be at least a few of these.

8. Automatically transfer money to a savings account

There is a well-known old rule - pay yourself first. This means that the first thing you should do is pay off debts and save money for the future, and only then decide how to live on the remaining amount.

The easiest way to adhere to this rule is to automate the process. As soon as your salary arrives on the card, 10% is immediately transferred to your savings account. If your bank has such a service, make sure that bills for housing and communal services and loans can also be paid immediately.

The more operations you can do automatically, the better.

9. Ask close friends and family for help

A trusted circle of friends and family can be very helpful when it comes to personal changes, which include gaining financial self-control.

At a minimum, they can give you very useful tips that suit your situation and the qualities you have. They know you. They know almost everything about your affairs, and sometimes even know better than you.

In addition, it is always wonderful if there is a person nearby who cares about you and provides support in difficult times. Just talk to someone when changes start to happen in your life. This is great motivation.

Your friends and family can also be great role models. Perhaps you have a friend who has achieved the same financial goals that you plan to achieve. Use him as a mentor to walk the same path. Learn from his experience.

10. Don't give up when things don't work out.

You may make a mistake once or twice when planning your expenses. You can buy something without thinking. You may make a purchase that you will regret later. You may think that self-control is not about you at all and you shouldn’t even start.

Do not worry. Financial progress is a story about the fact that for every two steps forward there is at least one step back.

The goal is to strive to be better than you were before. If you make a mistake, don't dwell on it. Instead, understand the reasons for your behavior and try to avoid it in the future.

Financial debt and debt hole can lead to death! Today you will learn why it is so important to get rid of them, as well as how to give them away quickly.

I am publishing these materials due to numerous requests from our subscribers - many people suffer from debts and dire consequences which duty imposes on them.

The course “68 Secrets: The Magic of Money” is the basic knowledge that any person who wants to change their financial condition should have.

The consequences of financial debt are very dire and dangerous!

After you borrow money, a hole appears in your energy field. Your well-being flows through this hole.

What are the consequences of debt?

• lack of money;
• drain of vitality;
• failures;
• unemployment.

The most dire consequences that arise when this energy hole appears are poverty and suicide¹.

You should know that a financial hole is formed not only by the one who borrows, but also by the one who lends!

How to destroy a hole and get rid of the consequences?

In this article, you will learn how you can independently destroy the hole created by financial debt. After this, your cash flow will open again and joy will return to your life. But this requires some effort.

If you ask yourself the question of how this karmic debt hole is formed and think logically about its appearance, then there is nothing mystical about it. Psychology plays a major role here.

For example, the unconscious worldview model of a debtor is: “I owe money, so I must pay it back. For this I have to work, and this is difficult because I do not work for myself. Because of this, my work is not going well, I earn little. And if I don’t earn enough, then I’m a loser. If I'm a failure, then I don't want to live."

How to forget about financial debt?

In order to get rid of the karmic debt hole, you must first get rid of the debtor’s worldview².

You can get rid of this worldview if you convince yourself that you don’t owe anyone anything.

You must set yourself up: “I am free in financial matters and all the money that is at my disposal belongs only to me, because I am free!”

After you have eliminated the financial debt on a conscious level and superficially convinced yourself, you need to eliminate the hole on the subconscious and unconscious levels.

Technique for eliminating financial debt on a subconscious level

Below is a technique that you can use to destroy the debt hole at the deeper levels of your psyche, but first, read a few recommendations.

• You need to step away from the bustle of the world and retire. This technique is recommended to be performed in the evening.
• It is important to convince yourself that you do not depend on society and that it is indifferent to you.
• Believe in yourself, believe that you can help yourself get rid of the debt hole.
• Mentally imagine that the debt is no longer there, it has been given away. Bring to your consciousness the facts of this.

After this, you can proceed to the technique itself.

Execution method

1. You should lie on your back and relax deeply.

2. Close your eyes and cover them with dense matter, creating absolute darkness.

3. Lie there and try to relax as much as possible; It is especially necessary to relax your face deeply.

4. Soon a drowsy state will appear: when sleepy visions begin to flash through, but awareness will still remain. In this state, you need to start working with the subconscious and eliminate the “hole”.

5. It is necessary to imagine yourself from the outside and imagine that there is an energetic debt “hole” in the aura. It usually appears as darkening at the crown of the head.

6. Present the flow golden color, feel the heat from it, which restores the aura and burns the debt “hole”.

7. Mentally direct this stream to the “hole” and imagine that it is washed away and burns from the heat emanating from the stream.

8. Meditate in this way until you intuitively feel that the “hole” has burned out. After meditation, you can break out of trance with any slight movement of your body.

When you can train your brain to think that you don't owe anyone anything; when you internally forget that you have a financial debt, you will very soon be able to get even with your debts. I assure you, the money for this will be found very quickly!

Notes and feature articles for deeper understanding of the material

¹ Suicide is the deliberate taking of one’s life, usually independent and voluntary (