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Why can’t I pay off my credit card balance when I intend to?

This week's question from my portal “The Neagle Code: Directions for Life” comes from someone who wishes to remain anonymous.

Neagle Code Question

Dear David,

I have a question about paying for expenses. I hear you say that The Universe provides money based on what you need. Well I have a credit card balance of $7,000. Each month I intend to bring in the money to pay this off in full, but all The Universe brings me is the minimum payment which is due! So how do I work the laws of the universe to be able to pay the full amount? And yes, I really want to pay the full amount. I get interest fees each month on it, so that's another motivating factor for me to want to pay it all. I would love your guidance. Thanks!

Neagle Code Answer

Thanks for your question!

First I think it’s important to explain how the Universe provides. You see the Universe is completely deductive in nature. This means that it cannot provide to you anything that is not impressed upon it by you.

If month after month you’re not able to pay off that credit card debt, we need to look at the Law of Cause and Effect. This Law states that for every cause there is an effect. In simple terms this means that there’s something that you are not doing that is causing you to only be able to create the minimum due.

Really examine your actions. Are you doing EVERYTHING you can to bring in the money you need even if it means working late, making extra sales calls, and sacrificing time with your friends or family?

Look at where you stop.

Be honest with yourself and ask to be shown what you are resisting doing or being in order to be able to bring in the full $7,000.00. Once you see the resistance, take action immediately.

It is through accurate action that you impress your desire on The Universe so that it can provide what you desire.

 

JustBelieve_Logo-01

PS: The Neagle Code: Directions for Life is a weekly no-cost program that is open to everyone! Each week, I'll select and personally respond to one question received via the above “The Neagle Code” page that I feel in my heart will help the most people. (You may choose to remain anonymous if you wish, with our full support.) It is my deep, heartfelt intention that ~ in answering your questions ~ I may provide you with the Universal Truths that in committed application, will set you free. Simply submit YOUR burning question at: www.DavidNeagle.com/ask-david to participate.

How do I explain coaching to potential clients?

This week's question from my portal “The Neagle Code: Directions for Life” comes from someone who wishes to remain anonymous.

Neagle Code Question

Dear David,

How can I explain what coaching is to potential clients?

Neagle Code Answer

Hi!

Great question! The simple answer is: DON’T.

Let me explain.

When speaking to a potential client, it’s always important to enter the conversation they are already having in their head. Your greatest asset in this situation is the question.

Questions have the ability to give you insight as to what your prospect is thinking. They also help you determine if you want to work with them.

When someone asks you what you do, use a question to take control of the conversation and to make the conversation about them and NOT you.

Let me give you an example:

Prospect: Hi _________, what is it that you do?

You: Well, let me ask you something. Have you ever felt like you’re playing too small and that there’s something bigger out there for you?

Prospect: Yes, I have.

You: This is what I help people overcome/discover.

Prospect: How does that work?

You: Let’s set up a time to talk so I can learn a little more about you and how I may be able to help!

Using questions allows you to have a meaningful conversation without the need to “explain” coaching.

 

JustBelieve_Logo-01

PS: The Neagle Code: Directions for Life is a weekly no-cost program that is open to everyone! Each week, I'll select and personally respond to one question received via the above “The Neagle Code” page that I feel in my heart will help the most people. (You may choose to remain anonymous if you wish, with our full support.) It is my deep, heartfelt intention that ~ in answering your questions ~ I may provide you with the Universal Truths that in committed application, will set you free. Simply submit YOUR burning question at: www.DavidNeagle.com/ask-david to participate.

Can I do side work while building my dream business?

This week's question from my portal “The Neagle Code: Directions for Life” comes from someone who wishes to remain anonymous.

Neagle Code Question

Hi David,

I am facing a new chapter in my life — acknowledging my true desire as it pertains to work. I know I have all the tools, but I need some time to put it all together and build. During this time, as I build and map out, I have to generate some income in order to pay bills while I launch this new project. As it pertains to the laws of the universe, would it be okay for me to generate money doing work to support this initial step (even if its something that I do like, but its not the love of my life); but that can support this process at this time?

Neagle Code Answer

Hi!

This is a fantastic question, and the answer lies within the concept of setting strict boundaries for yourself in terms of time and money.

It is absolutely fine and sometimes necessary to do work in one area while transitioning into another. However, there are a few things that need to take place to make sure this decision doesn’t end up sabotaging your desires or even side-tracking them.

First: Set your goal and stick to it. Do your research and find out exactly how much money you need to earn to finance your new endeavor. Plan how you’re going to set that money aside (perhaps in it’s own savings account that is not to be used for anything).

Second: Set a definitive date by which you will completely transition. This date must be FIRM.

Third: Calendar! Make sure you are calendaring ALL of your business planning activities. This needs to be a priority. Do not let anything distract you from this.

If you follow these 3 steps, you’ll have the capital and the plan in place to completely transition into doing what you truly love!

 

JustBelieve_Logo-01

PS: The Neagle Code: Directions for Life is a weekly no-cost program that is open to everyone! Each week, I'll select and personally respond to one question received via the above “The Neagle Code” page that I feel in my heart will help the most people. (You may choose to remain anonymous if you wish, with our full support.) It is my deep, heartfelt intention that ~ in answering your questions ~ I may provide you with the Universal Truths that in committed application, will set you free. Simply submit YOUR burning question at: www.DavidNeagle.com/ask-david to participate.

How to handle constantly negative people

This week's question from my portal “The Neagle Code: Directions for Life” comes from someone who wishes to remain anonymous.

Neagle Code Question

Hi David,

There is a person in my life who sees the negative in every situation. If he does say something good or nice about something, he ends it with a negative. How do you handle a situation like this? Oh…I should probably mention the person I’m referring to is my partner.

Neagle Code Answer

Hi!

I think it’s important to understand that you don’t have to “handle” the situation.

I think a better question to ask is, “Why am I choosing to have this negative person in my life?”

1) This person has every right to be negative and judgmental, and it’s not anyone else’s responsibility or right to change him/her.

2) When you’re around someone who is negative, it is very hard for to consciously reject their thoughts and feelings, and pretty soon you may find yourself uttering those same negative words. You are influenced by the people around you whether you want to admit it or not.

My mentor, Bob Proctor, refused to spend time with people who are negative and lack-minded, because he knew they had the ability to change his thinking without him even realizing it, and I feel the same way.

So are you choosing to spend time with this person in hopes of changing them?

Or

Are you afraid to remove yourself from this negative person’s life?

Get very honest with yourself…

It all boils down to making a decision based upon what’s in your best interest with the understanding that everyone else has the right to think, live and believe whatever they choose.

 

JustBelieve_Logo-01

PS: The Neagle Code: Directions for Life is a weekly no-cost program that is open to everyone! Each week, I'll select and personally respond to one question received via the above “The Neagle Code” page that I feel in my heart will help the most people. (You may choose to remain anonymous if you wish, with our full support.) It is my deep, heartfelt intention that ~ in answering your questions ~ I may provide you with the Universal Truths that in committed application, will set you free. Simply submit YOUR burning question at: www.DavidNeagle.com/ask-david to participate.

Why can’t I justify my rates?

This week's question from my portal “The Neagle Code: Directions for Life” comes from Brandi T.

Neagle Code Question

Hi David,

I am a massage therapist and have a lot of guilt around asking for what I really want to charge clients. I was raised with the paradigm of: It is wrong to charge a man who is dying of thirst $100 for a glass of water and wrong to deny a starving man food (particularly if I have more than enough), so I’m having a hard time justifying selling a service that people of all income levels need, but which most people truly cannot afford. I know I’m not thinking about this accurately, but I’m still stuck in it. HELP!

Neagle Code Answer

Hi Brandi!

I know a lot of coaches and business consultants who struggle with this same concept.

First of all, I don’t quite think your comparison makes a whole lot of sense. Charging a dying man $100.00 for a glass of water doesn’t really compare with charging your fees.

Here’s the deal…it’s not your responsibility to save the world. If it were, you’d be the only massage therapist in the world.

The truth is that you’re looking at this all wrong.

The LAW states that if someone has a strong enough desire for something, the money MUST be there. What you’re talking about is no different.

And your responsibility is to yourself only (and any dependent children, of course).

Here’s how I suggest you look at your fees.

Your fees MUST be set on your personal financial goals AND the value of the service that you offer. The value of what you offer must exceed the fees that you’re charging.

The people who have the ability or willingness to pay you, WILL. And those that do not will find someone else to help them.

It’s a win-win situation. You get to work with the people who you really enjoy working with, and people who aren’t willing to pay your fees will pay someone else to work with them.

More life to all.

 

JustBelieve_Logo-01

PS: The Neagle Code: Directions for Life is a weekly no-cost program that is open to everyone! Each week, I'll select and personally respond to one question received via the above “The Neagle Code” page that I feel in my heart will help the most people. (You may choose to remain anonymous if you wish, with our full support.) It is my deep, heartfelt intention that ~ in answering your questions ~ I may provide you with the Universal Truths that in committed application, will set you free. Simply submit YOUR burning question at: www.DavidNeagle.com/ask-david to participate.

Business cards and a website…do I really need them?

This week's question from my portal “The Neagle Code: Directions for Life” comes from someone who wishes to remain anonymous.

Neagle Code Question

Hi David,

I know this may sound like a strange question, but how important do you think business cards and websites are? I’m trying to decide if I should pour a significant amount of money into those things or if they are really just not necessary. I’d appreciate your opinion before making that decision.

Thank you for your time!

Neagle Code Answer

Hi, and thanks for your question!

You know, I NEVER carry business cards and I tell all my students to do the same.

When networking, if someone asks for your card, tell them that you don’t carry cards, but you’d be happy to take one of theirs and follow up with them. Take their card and write notes on the back so you can remember the conversation you had.

That way YOU are in control of the follow up.

Several years ago my website was down for almost a full year, and my company GREW!

Actually it was the best year I had ever had.

Most marketers will tell you that you MUST have a website. I disagree.

NOTHING can take the place of a personalized person-to-person approach to sales.

In fact, in this market, it’s been the single most IMPORTANT thing my company has done.

Don’t get me wrong, a website has a purpose, but if your most pressing need is sales and income, a website is not going to get you closer to that goal. Your ability to reach out to someone, have an effective conversation, and close a sale WILL.

My advice would be to prioritize.

First, bring in the sales through one-on-one conversations, and when you have the capital, build a website that focuses on collecting opt-ins to build your marketing list.

 

JustBelieve_Logo-01

PS: The Neagle Code: Directions for Life is a weekly no-cost program that is open to everyone! Each week, I'll select and personally respond to one question received via the above “The Neagle Code” page that I feel in my heart will help the most people. (You may choose to remain anonymous if you wish, with our full support.) It is my deep, heartfelt intention that ~ in answering your questions ~ I may provide you with the Universal Truths that in committed application, will set you free. Simply submit YOUR burning question at: www.DavidNeagle.com/ask-david to participate.

Two CRUCIAL steps to make sales stick

This week's question from my portal “The Neagle Code: Directions for Life” comes from someone who wishes to remain anonymous.

Neagle Code Question

Last week's situation: I “ask for the sale,” and they know I can help them in their home life, personal life, professional life. They schedule their appointments, and two or three days later, I get an email saying, “You're not in my budget,” or “I can't justify not paying other bills to pay for your services.” I've had a run-on of these lately. What am I supposed to learn here?

Neagle Code Answer

Fantastic question!

There are two things you can learn from this situation. The first is to be more powerful in your sales conversations.

Let me explain.

The main way people commit to anything is with their wallet. If you’re not getting their credit card up front, they really truly haven’t made the decision to work with you. It’s easy for their ego to convince them they don’t need you because they haven’t fully made the decision.

So the first thing you need to do, is when you get their verbal commitment, also get their financial commitment in the form of either a deposit on the service or paid in full.

Knowing that their money is non-refundable and they’ve made a solid decision will help them “stick.”

Asking for a deposit will also help you determine if they are really serious about their commitment, or if they are just telling you what you want to hear to relieve the pressure of making a decision.

The second thing to consider is after you’ve received their verbal commitment AND their payment, simply ask them, “What is going to stop you from following through with this or from making yourself a priority?”

This is INCREDIBLY helpful if they call you back and say they’ve changed their mind, because now you can remind them they predicted this would happen, and you can resell them using THEIR own words.

 

JustBelieve_Logo-01

PS: The Neagle Code: Directions for Life is a weekly no-cost program that is open to everyone! Each week, I'll select and personally respond to one question received via the above “The Neagle Code” page that I feel in my heart will help the most people. (You may choose to remain anonymous if you wish, with our full support.) It is my deep, heartfelt intention that ~ in answering your questions ~ I may provide you with the Universal Truths that in committed application, will set you free. Simply submit YOUR burning question at: www.DavidNeagle.com/ask-david to participate.

Why have I attracted abuses into my life?

This week's question from my portal “The Neagle Code: Directions for Life” comes from someone who wishes to remain anonymous.

Neagle Code Question

Why have I attracted abuses into my life?

My earliest memories are of being ‘picked on' by my peers. I've also been abused by bosses and authority figures. I've been pushed around by clients who refuse to pay for work I’ve fulfilled.

Even my spouse mistreats me at times, speaking to me as if I were a child, treating me like I am not capable of the simplest things.

You teach that we have to take personal responsibility for everything in our lives, but what could I possibly have done to ask for this?

Neagle Code Answer

Hi and thanks for the GREAT question!

The answer to this lies in the fact that at some point in your life, you gave your power away.

Sometimes this happens slowly due to a gradually escalating abusive relationship, and sometimes it happens when we are children and we don’t even really realize we had power to begin with.

The beauty of the situation is that this keeps showing up in your life to get you to see that you need to take your power back and STEP into being POWERFUL.

Abusers don’t want anything to do with a powerful person, because they can sense the strength at an energetic level.

In order to take your power back, I suggest that you make a list of ALL the things you are tolerating in your life, and then one by one either shift them or eliminate them.

This is non-negotiable! If you’re tolerating it, it MUST change.

Being a victim may have served a purpose in your past, but it certainly is not serving you now.

You must also begin to set boundaries with the people in your life. You need to tell them what you will no longer tolerate.

The next time someone belittles you or verbally abuses you, stop them and tell them that you will no longer tolerate being spoken to that way and remove yourself from the situation.

OK, now it’s up to you…step into your power and then GO KICK SOME ASS!

JustBelieve_Logo-01

PS: The Neagle Code: Directions for Life is a weekly no-cost program that is open to everyone! Each week, I'll select and personally respond to one question received via the above “The Neagle Code” page that I feel in my heart will help the most people. (You may choose to remain anonymous if you wish, with our full support.) It is my deep, heartfelt intention that ~ in answering your questions ~ I may provide you with the Universal Truths that in committed application, will set you free. Simply submit YOUR burning question at: www.DavidNeagle.com/ask-david to participate.

How do you deal with hate mail?

This week's question from my portal “The Neagle Code: Directions for Life” comes from Michele.

Neagle Code Question

Hi David!

How do you deal with hate email? I recently received an email from someone “DEMANDING” to be taken off my list. I didn’t put her on there, she opted in…and yet, her email was incredibly angry and on the verge of “abusive”.

My first reaction was that my fear of judgment kicked in and I felt horrible — and then had a physical response! Thankfully I was able to get past it and back on track, but how do you deal with these intense, paralyzing fears?

Neagle Code Answer

Great question!

The only way to “deal” with fear is to shine a light on it so that you can see that it’s a lie and then continue onward in spite of the feelings.

I know you’ve heard me say this before, but Spirit does not speak to you through fear, so anytime you feel that fear and hear those fearful voices in your head, you must stop and ask yourself whose voices those are.

Let’s go back to TRUTH. (My favorite place)

Fear is simply your ego’s way of stopping you from growing. And the fear was given to you by someone else, usually a parent or someone who had a significant role in your life.

The next time you feel fear, try identifying whose voice is talking to you because it will not be God’s.

So let’s go back to the first question you asked: How do you deal with hate mail?

My answer is that you don’t. You must understand that hate mail has everything to do with the person sending it and nothing to do with you.

You aren’t responsible for someone else’s thoughts, feelings and emotions; you are only responsible for your OWN.

Kudos to you for recognizing that it triggered your fear of judgment. If you focus your attention on why you have a fear of judgment in the first place, and let the hate mail go, the truth will set you free.

And always remember:

There is no growth without discomfort and it sounds like you’re GROWING!!!

JustBelieve_Logo-01

PS: The Neagle Code: Directions for Life is a weekly no-cost program that is open to everyone! Each week, I'll select and personally respond to one question received via the above “The Neagle Code” page that I feel in my heart will help the most people. (You may choose to remain anonymous if you wish, with our full support.) It is my deep, heartfelt intention that ~ in answering your questions ~ I may provide you with the Universal Truths that in committed application, will set you free. Simply submit YOUR burning question at: www.DavidNeagle.com/ask-david to participate.

Does my debt mean I have received more than I have given?

This week's question from my portal “The Neagle Code: Directions for Life” comes from someone who wishes to remain anonymous.

Neagle Code Question

Hi David!

I know that you teach that money is energy. It occurred to me that debt may be a reflection of having received more than one has given. Is that accurate? If so, what is the best way to reverse this equation? It seems obvious to say ‘give more' – but give what? I don’t have extra financial resources. Thanks.

Neagle Code Answer

This is an excellent question!

Many people have issues with debt and the stigma and shame that come along with it.

To address your first question, debt is not a reflection of having received more than one has given.

Debt is essentially a tool and should be used as such. Most people think that debt is “bad”, but imagine what your life would be like without it.

How would you purchase a house or invest in education or experiences for yourself without it?

Instead of thinking of it negatively, be grateful for it.

All that being said, if you’re accumulating debt from a dysfunctional place, it’s very important that you address the underlying reason for your spending habits.

Are you buying things to fill a need (love, security or self esteem) or are you investing in your growth?

The second part of your question deals with something different…

You alluded that it’s tough to give if you’re in debt.

When you give it doesn’t have to be financially. Doing a favor for a neighbor, giving of your time or your talents, and volunteering are just a few ways to “give” until you have the resources to give financially.

JustBelieve_Logo-01

PS: The Neagle Code: Directions for Life is a weekly no-cost program that is open to everyone! Each week, I'll select and personally respond to one question received via the above “The Neagle Code” page that I feel in my heart will help the most people. (You may choose to remain anonymous if you wish, with our full support.) It is my deep, heartfelt intention that ~ in answering your questions ~ I may provide you with the Universal Truths that in committed application, will set you free. Simply submit YOUR burning question at: www.DavidNeagle.com/ask-david to participate.