When it comes to finances our basic choices are living on margin or living on the edge!
Living on the edge
Living on the edge is exactly what it says – living on the edge of financial rule by spending 100 percent of you income. In edge living you are literally on the edge of a financial cliff many hundreds of metres high. You basically hand the control of you income to other people.
I don’t know about you, but I’ve found whenever I have handed control of my finances (like credit cards, hire purchase etc.) to other people the end result for me was financial pain! And that is Pain with a capital P!
If you live on 100% of your income you are heading for a crash at some stage! Why? Because Life Circumstances change! You only need you income to reduce by 1% to be in the financial poo!
If you are living on 101%+ you are bound to have a financial crisis at some stage of your future life!
Living on margin
Living on margin means that you take control of your own finances and treat yourself like a business (you are God’s business!)
Instead of living on the cliff edge you erect a fence in off the edge and use that as a safety barrier for yourself and your family! If you do this then your children are far more likely to follow your lead and avoid the pitfalls of edge living.
But avoiding the pitfalls of edge living is only a passive role you play on margin living. You can take the margin and invest it in yourself and your family too! Know the ultimate margin percentage we should aim for is 10% if income. Some people have achieved a 90% margin (Mover Of Men & Mountains – R.G. Le Tourneau)!
I started out many years ago with ½% gifting towards myself. I also started out with ¼% towards Gifting towards other people! By following the two forms of giftings I increased my income, not in cash but in gifted goods and services and reduction in outgoings.
So I started on 50 cents and 5 cents per week in the first month. In the second month I went to $1 and 50 cents. In the third month I increased my gifting to $3 for myself and $1 to other people.
In the forth month it increased to $9 and $3 receptively. Yet I had no increase in income!
Each time my giftings increased it was because I had gotten rid of outside drains on my personal economy.
You know we all bitch and moan about how wasteful the governments are – “they should do this, or that or another. But really we are mostly hypocrites because we don’t do those things in our own governance!
Notice what happened in four months – I moved away from the edge of the cliff and out of the crazy (suicidal) money balance. After the first four months I started to seriously work on margin!
Over a period of time I actually became a financial advisor, working voluntarily as a budget advisor for a free budgeting service. However I noticed that I only brought people up to zero and then dropped them to descend into trouble again. So I asked God what the solution was and was gifted the Dynamic Budgeting System.
You see, the hardest step in the negative Budget is getting from negative five to negative four! This is pretty much universal in the world. Organisations like Alcoholics Anonymous say that we cannot get from negative five to negative four without outside help! And it is true!
However in my time as a budgeter I noticed that there is another barrier that is very difficult to cross as well. And that is the barrier between zero and one! If we don’t get into the positive we simply chance going up or down. So God gave my a system that starts building positive energy whilst we are still in debt to others.
Look at the chart below
According to the free budgeting service the break even point for our clients was Zero/ Zero!
I don’t know about you, but to me that is a failure! To set the balance at zero/zero is just plain wrong spiritually. It is a totally passive aim. Nothing is ever achieved in our lives with passivity, even on the spiritual level..
Also there is the Great Asset Beginning Barrier to cross. Remember I talked about being unable to cross, from negative six to negative five? The only way to lift above zero is to build some assets, so what the Dynamic Budgeting Service(© reverend J’iam 1993) does is to start building the credit side (assets) immediately!
By the time the client reaches zero debt they have already accumulated assets that push them straight through the “no assets” barrier! Also the their break even point is dropped to negative 10 because we have 10 in assets to balance it! Metaphysically and spiritually this is very important because the law of having states, “They that have shall be given more, they that have not shall be taken away, even what they have!” Can you see the original source of the financial crisis?
See the chart below.
Okay, at the yellow zero debt point we move into another stage of personal wealth creation – the wholistic stage of physical, metaphysical and spiritual actions. The WHOLISTIC stage is where spiritual solutions to economic problems comes in!
Now that is written in the old “double negative” speak. If we change it to modern single positive speech we have, “A house United will always stand (win)” I was given Wholistic Accounting(© reverend j’iam) in 1988 and have been using it ever since.
That is about as far as I can go today without it getting mind-blowingly complex (for the Wholistic System, whilst fairly simple, is not linear in construction, but multi layered.)
I hope you have managed to get a grasp of the wholistic system to get you Health, Happiness, Peace, Prosperity, Love, Detachment and true freedom under the higher laws of the universe.
I have spent most of my adult life looking into wholistic wealth so that others don’t have too! If you want my help then simply email me.
Living on margin means living on less than 100% of your income.
Most peoples incomes are all lumped into one bunch. Everything goes into that lump and it is called income
What goes out of there is called Bills, or more technically “Outgoings.”
So most people’s informal budgets look like this
This is called an informal budget
As I said this is an “informal” budget. That is to say it is vaguely outlined into two simple factors of In and Out, but it is not a formal budget, that is to say an “Organised” Budget.
The next step up in budgeting is to start organising your assets, which in the physical world means housing, saving and investments etc. This takes some organising and perhaps 20% of the population may have budgeting to a greater or lesser degree. These people tend to be a lot more financially viable than the rest of mankind, simply because the are organised. Know the difference between a man in poverty and a man in wealth comes down to one word – Organisation!
But there is a vary small percentage of people (perhaps one 10th of one percent) who organise their finances on a different level altogether. These people are “Spiritual” or “wholistic” budgeters. They end up as empowered people!
Their investments always start on the spiritual realm in two ways. Why two ways? Because there are two different types of spiritual investments …
(1) Spiritual/physical investments
(2) physical/Spiritual investments
This is because spiritual investors are working with energy levels of 1 on the physical plane and 100 on the Spiritual plane. So the two types of investments are 1/100 and 100/1 (one to one hundred and one hundred to one). Know that all spiritual processes are wholistic which is why so many fail in the spiritual realm, because they go for one favourite side of their spiritual life and ignore the other “Must Do” side!
The 100/1 investments are called gifting to self, whilst the 1/100 investments are called gifting to others. These are the actions we must take to achieve the processes in our lives – Gifting to self and then gifting to others. It Must be done in this order!
So the two types of spiritual investments are…
100/1 investments = gifting to self
1/100 investments = gifting to others
Both these investments set up what are called “Virtuous Cycles. ” Know that virtuous cycles are the keys to wealth which is simply Happiness plus Abundance.
Happiness plus Abundance = Wealth
Notice how Happiness comes first. Why is this? Because “What profits the man who gains the earth and loses his soul?” What is the point of Being rich and miserable? None at all! Money amplifies what we are. If we are unhappy it amplifies our unhappiness. If we are happy it amplifies our happiness! The only type of happiness that is totally immune to money is Spiritual happiness!
It is no harder to build Spiritual Happiness than it is to build physical happiness, only slower. Remember, physical happiness has an energy base of 1 whilst Spiritual happiness has an energy base of 100.
On the physical route to riches all you have to do is invest money and reap it multiplied. This is called doing and having! But what is missing out of that formula? Beingness! To be Wealthy we have to Be, do and having takes care of itself automatically!
Know we can only achieve true happiness by following our Beingness. Our Beingness is the very purpose that we were born to achieve. Achieve you Beingness and sublime Bliss and Ecstasy is yours! Achieve your Beingness and you literally “Get paid to play!”
So how do we achieve this sublime happiness? Jesus knew the answer very well – by becoming one of the Poor! Jesus said, and I quote “Blessed are the poor in spirit: for theirs is the kingdom of heaven!” [Matthew 5:3] Is not the kingdom of heaven the ultimate form of happiness? I have found it to be so.
So the path to wealth is a two step process- first we become Poor (poor is a state of Beingness that has nothing to do with the amount you have in this new age). Whilst we are in the state of Poor we learn to work under the laws of providence which state, “Everything you need will be given to you either very cheap or free!” We have to learn how to work the laws of providence because they are the foundations of “The powers of command” which is God’s greatest gift!
In the state of Poor we become free of the worries of the world and invest in virtuous cycles (100/1 and 1/100). It is the returns from those virtuous cycles that propel us into the next state which is called abundance. The law of abundance states. “You can have anything you want but there is a price to pay!” What is the price we have to pay? We have to fulfill our Beingness! And we can only do that by achieving the state of Poor.
Unfortunately the word Poor is bandied around very carelessly by the world, especially the press and TV. To them it is interchangeable with poverty. But poverty and the state of Poor are like chalk and cheese and it is only with study of the state of Poor (notice the capital P) that we come to understand that it is a dynamic spiritual force that leads to the state of Abundance and then on to the state of Wealthy. Wealth is the gifting of the powers of command to you – “As you speak out of your mouth, so it shall Be”
The “state” of poverty is actually a state of lack – like darkness is a state of “the lack of light.” Darkness cannot exist in the presence of light – it is as simple as that. So the state of Poor is the first state of light that throws out the darkness of both poverty and riches by illuminating every corner! Did you know that riches are a state of poverty? They are, because they are gained simply by doing and having. Poverty is gained by not doing and not having! Where is the Beingness in either of the two dis-empowered states? It’s not there! Which is why they are states of darkness.
Beingness is an empowered state. The word em-powered means “Power from without” Literally powered by God! The state of Poor is the first state of empowerment. Once we achieve the state of Poor by investing in the two spiritual assets (virtuous cycles) we are literally on our way to abundance.
Once we attain abundance and handle it properly we can achieve a state called Wealth! Wealth is the highest state of all as it is a synergisation of both Poor, Abundance and the Powers of Command, where the sum of the parts is greater than the sum of the whole.
Why am I explaining all these things? Because you can’t just head out on a journey not knowing your destination! If you don’t know what your destination is you are just going for a Sunday drive!
Or as they say in motivation circles, “If you don’t change where you’re heading, you’ll end up where you’re going!” For most people heading out they are heading towards the cliffs!
I repeat, your true destination in life is Wealth, which is achieved by attaining the state of Poor first and then the state of Abundance! This article about living on margin is the beginning of your journey. Without living on margin you’ll never even leave your home driveway!
So back to spiritual investing. When we start we have to allocate some money to two types of gifting. The first, and most important type, is Gifting to yourself. This is not in the least egotistical and is the most Spiritual type of gifting there is! Why is this? Because you are gifting to your own Godhead!
Who does God love above all? Why, God of course! Then He loves Man. And Man loves God and Man loves Man. Those are the 4 types of Spiritual love. As God loves god first and we are made in the image of God then it stands to reason that we must love our own Godhead first. Our own Godhead is called the state of Man (note the capital) So Man must love man. To put it another way we must learn to love our own souls before we can love the souls of others! “As within, so without.”
Which is why we always pay ourselves first. The correct way to pay ourselves is to create a family bank that will last a thousand years. This is because when we die our souls survive (Soul = Beingness) whilst our brains and body are annihilated and spread back over the earth.
As our soul continues to exists and we have to make a “soul” bank, it stands to reason that only a family bank can survive our death (Rebirth into the next world.)
Death is the final destination of us all in this world! The only thing we can take with us into the next world is the Love we create in this world. To become abundant we have to learn to Love money as a spiritual tool. The state of Poor detaches us from money as a “Commodity.” It is the collecting of money as a commodity that leads to the disempowered state of “riches.” What does the rich man take to the next world – very little because he has spent his time on accumulating stagnant money instead of Living Love.
Those of us who accumulate living love on earth take every bit of it with us and if we have built a “Spiritual” family bank, we leave that behind us as an entity to help our spiritual family and the world for many generations to come! I dare say that will be taken into account in our life’s summing up in the next world! Lol! Heaven is Being close to God in this world and the next! Hell is not a place – it is simply being far from God in both worlds.
End of part one. To be continued…
Thanks for reading this, more exciting news to come tomorrow!