LIVING WITHIN YOUR MEANS
Suffering under money problems?
I was asked, “Is borrowing money to finance one’s business in accord with the yama of nonstealing? When can you use other peoples’ money and when should you not?” When the creditors start calling you for their money back, sending demand notices indicating that they only extended you thirty days’, sixty days’ or ninety days’ credit, then if you fail to pay, or pay only a quarter or half of it just to keep them at arm’s length because you still need their money to keep doing what you are doing, this is a violation of this yama.§
There are several kinds of debt that are disallowed by this yama. One is spending beyond your means and accumulating bills you can’t pay. We are reminded of Tirukural verse 478 which says that the way to avoid poverty is to spend within your means: “A small income is no cause for failure, provided expenditures do not exceed it.” Entering into debt is a modern convenience and a modern temptation. But this convenience must be honored within the time allotted. §
If you need some material possession, and if it will do only good for yourself, your family and your friends, use the power of affirmation and see how quickly your need is manifested through one external channel or another. Distinguish carefully a material need from a desire. Desires are dangerous, because it is easy to manifest material desires, but it is not as easy to assume responsibility for what the fulfillment of the desire might entail. §
An example of a material need is having sufficient money for necessities. Generate the feeling and the picture that you now have sufficient sums of money to meet every human need, but not necessarily every human desire; just the needs. Then practice this affirmation: “I will always have sufficient money to meet all my needs.” Repeat it once. Now stop affirming. Remain quiet, know, visualize and then feel how it is to be open to a sufficient flow of money to meet your every need. Get that feeling! It is a secure feeling, not a flamboyant, reckless feeling, not a feeling that now you can go out and have a good time. No, this is a quiet, secure feeling, born of being in a judicious state of mind.§
Now resolve to hold yourself open to ways and means by which you will have money to meet your every need for yourself and for your family. Be open to ways in which you can better budget the money you now have. Live by the ethic, “Waste not, want not.” Soon you will find that you begin to become secure within yourself as the vibrations of your verbal, visual feeling of this affirmation ring through you entirely. Today you will begin handling the funds you have more judiciously, and soon you will begin attracting abundance from unexpected creative sources. Be open to new ideas, new people, new opportunities, expectant and ready to handle the wealth you have proclaimed as yours.§
NANDINATHA SUTRA 158
RESPONSIBLE MONEY MANAGEMENT
Siva’s devotees keep a monthly budget and regulate expenses according to their revenues. They never abuse credit or indulge in extravagant buying, for they know that spending in excess of income invites misery. Aum.§