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Living on margin or living on the edge!

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!

living on edge 800

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.

living on marginB 800

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

credit debt chart

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.

credit debt break even point chartA

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!

In the Bible it states, “And if a house be divided against itself, that house cannot stand” [Mark 3:25 King James Version].

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.

i think i’ll pass on that!

Say six billion people agree that putting your hands, and other extremities, into a guillotine is okay and are doing it to chop off fingers and toes! They have passed legislation to make it legal to do so. Would i do it? No, i think I’d pass on that.

Just because everyone else is doing something doesn’t mean that it’s RIGHT! It just means that a lot of people are doing it. Do we choose to live our lives by consensus or by the spiritual laws of the universe? I choose to follow the spiritual laws. You are free to do what you want, but if two wrongs don’t make a right how can 6 billion wrongs make a right? It can’t.

Contrarian thinking states that if everyone is doing something it makes contrarian sense to do the opposite as when “everybody” is doing something it is usually wrong, There are people who maker fortunes with contrarian thinking – Mr Buffet for a start. Not that they use contrarian thinking all the time – they use it judicially to find out the truth of the situation. If everyone is doing A is A necessarily the truth? Contrarian thinking is a touchstone, a tool, to the truth, not a formula for living. Find the Truth and the Truth will set you Free. (who said that? Oh, just some minor Jewish radical in the first century – take no notice of Him!)

There are dozens of contrarian examples. I’ll look at just two – (1) the 1932 stock market crash and (2) the rise of Nazism

(1) the stock market crash of 1932 caused people to lose 86% of their investment value. 86%!!! As most people in the stock market at that stage with using borrowed money to invest with,  that meant that their investments were worth a lot less than their liabilities to the banks. This is the fundamental reason for the pain experienced after the crash. The “easy money” gotten to buy shares had driven them up to a ridiculous high and a crash was inevitable. However the loans were still due and at high interest rates too! So that is where the pain was caused in American society because nearly “everyone” was doing it! Very few families were unaffected!

(2) the nazi regime got a hold f power by unfair means and then got access to the youth of Germany and trained them up to be real nazis! The first thing they got rid of was all the real, the spiritual, thinkers who would oppose them. Then once they were gone, they got rid of all the people in authority and replaced them with nazi party officials. so they worked on a two pronged front. Get rid of all the free thinkers and replace them with party line thinkers and then set to indoctrinating the youth (who have everything, except wisdom!). From there you have a perfect killing machine and no physical laws in Germany to stop them!. Contrarian thinkers were amongst the first to go in nazi Germany. The Germans of today are not responsible for this history, but are responsible to keep it alive in their memory lest it happen again!

So the Truth must be decided by the individual – not by the masses!

Rosa Parks was just a tired black lady who was a member of a church in the southern states who refused to move when told to (move to the “black” section of the bus!). Has history recorded the name of the person who told her to do this? No that non-entity is now long forgotten by history. Instead it remembers the name of the lady who stood up to the bully and refused to move! This is what history judges us on – did we do the right thing when confronted with an untruth?  It is history that judges us, not our friends, neighbours and associates who agree so strongly with us now – “it must be right because everyone is doing it!”

You have to make decisions in your life, many small ones and a couple of big ones. How you handle the many small ones basically decides how you handle the big ones! If your many small decisions are based in untruth then it is likely that you big decisions will based on untruths too. If your many small decisions are based in the Truth then more than likely your big decisions will be based on the Truth as well. Why is this? Because of the law of inertia – which is also known as the first law of Motion (movement) which states that,  “an object not subject to any net external force moves at a constant velocity. Thus, an object will continue moving at its current velocity until some force causes its speed or direction to change.” Put another way, “Nothing changes until something changes!”

Humans are creatures of habit. Unless something (a habit) changes within us we will continue on the same path we are on indefinitely! Or until the pain of circumstances of staying the same are greater than the pain of changing. That is human inertia.
Human inertia is described in the saying, “Stupidity is doing the same thing over and over and expecting different results!”

So what caused me to change (for the better?) I went down the ladder of unhappiness through discontent, through depression to the very edge of self-destruction. At that point I had nothing to lose, so i asked for the whole truth of Life and received it! I was “reborn” into the spiritual circumstances of life (not the religious).

What I am saying to you today is this – there is a different path to the one you’re probably on (those of you already reborn know this to be true) that leads to freedom of a universal kind. This Freedom then leads to freedom on the metaphysical and then the physical plane (note the order) The universal system of Freedom always starts at the top and works down, as opposed to the physical system which tries to start at the bottom and work it’s way up (but can’t because the spiritual entrance is blocked! Lol!)

The fact that spiritual law is binding, and yet freeing, in it’s operation is contrary to physical thinking and so most people never even see the entrance to the spiritual world! Which is why there is so much corruption in religion, politics, business etc because they have no foundation on spiritual law! I can effectively raise a businesses turnover by at least 50% in six months by applying spiritual laws to it. If fact i have done so several times in the past. Not because i am smart but because the laws say , “if you do this, this and this then that, that and that will happen!” And, because they are spiritual laws, they always work!

Physical laws work for a time and then reach the limit of their useful life time. How many car drivers still drive at 4 miles per hour? That was a physical law and it’s time went very quickly. How many people get Wealthy by being Poor? Every Wealthy person in the world! (note Wealthy, not rich).Because wealth is a spiritual state and the first level of wealth is to be Poor!

Spiritual law always works – you’ll find the same advice given to the rich man (to Gift his possessions to the Poor) are still the same today! Compare to the economic level of 2,000 years ago the middle classes of today are all rich! And there have been another three messengers from God since then so the laws have been refined in their implementation by Spiritual Knowledge (Water)!

All i can say is this – if you are trying to get rich, forget about it! Because being rich is only the accumulation of money and seldom leads to permanent happiness! Yes, it leads to temporary happiness in the early days but after a while our lives become rich and miserable. Getting wealthy, on the other hand leads to long term happiness! Yes we don’t see the manifestation of money for a lot longer than being rich, but we learn detachment from money and things and are grateful for what we have right now, no matter how little because we know that more is to come on top of the happiness we have now!

Put another way the rich get rich expecting happiness to manifest by itself once they are rich! BUZZZ! Doesn’t happen! (I know form experience!)

The wealthy get HAPPY first and know that things will improve on the physical level as they follow the laws of gifting , just like a farmer that plants a crop of seeds knows that they are going to reap a crop of food! That is the difference between riches and wealth – one is a state of illusion, of poverty and the other is a state of BEingness!

If you are tired of the physical rat race you live in and want better for yourself and your family then ask to BE shown the source of truth (the knowable essence of God – I Am). It’s as simple as asking (out aloud!) Or writing it down as a goal! Either way will revela the truth to you. And from there you can go to BEing FREE!


kindest regards,

May Love, Detachment, Health, Happiness, Peace, Success and Prosperity BE yours,

reverend master j’iam

you can email me directly at:
phone/text: 0221 625 941 (New Zealand)

WPPN Website;


skype: jiamwppn

(but other than these above contacts, i am completely hidden from the world! LOL!)