How do I break out of the cycle of debt?

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 have been listening to your Art of Success Business School podcast (which is amazing) and realized a pattern I have perpetuated my entire adult life. The pattern has been to invest in school, and now my business, which creates debt. That in turn creates pressure to work to eliminate the debt, which I always have, only to turn around and repeat the same pattern. My question is now that I can clearly see this pattern, how do I get to the root cause of it?

Neagle Code Answer

Hi, and thanks for your question!

Here’s the thing…getting to the root cause isn’t necessarily going to solve the problem, and it will just distract you from doing what’s necessary to change the pattern.

Sometimes it takes a while to get to a root cause, and it’s even more difficult if you’re trying to do it yourself.

What I suggest is to start focusing on the solution to the issue rather than on the cause (which just keeps you in the pattern).

The solution is to
RAISE YOUR BOTTOM LINE
.

Right now, you’re used to only bringing in “just enough”. You have to raise that bottom bar.

For example, instead of setting your sights on just bringing in enough to survive, increase that to 10%, 20%, 30% ABOVE what you need to just get by.

And then DO NOT LET YOURSELF off the hook.

You see, it’s a two-part process. The first part is making the decision to bring in more than enough, the second part is being willing to do whatever it takes to make sure you hit that goal.

You may want to start with a small increase to begin to build that muscle, and once you hit that goal, use that momentum to keep going to the next goal.

You’ll have to keep those commitments to yourself or this won’t work. You must not stop prior to hitting the goal.

If you do, you’ll be back in the same pattern.

Give yourself this new experience of bringing in more than enough, and you’ll break the pattern!

If anyone else is interested in my Art of Success Business School, click here for free access:

https://itunes.apple.com/us/podcast/david-neagles-art-of-success-business-school/id1263237772

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.

Why the “unexpected” should never distract you from your goal

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

Neagle Code Question

Regardless of how hard I try, I always only have “enough.”

I doubled my biggest annual income in just a couple months last year so I started paying down debt, investing in my business, saving more, etc. but then I had a bunch of “unexpected expenses” pop up (taxes, car trouble, family emergency, etc.), and now I'm worse off than before (although still making ends meet, for the time being). I'm at a loss. Help!

Neagle Code Answer

Hi, and thanks so much for your question!

Based on your question, I do not believe you have an “abundance” or “wealth ceiling” problem.

Looks to me like you may have a focus and consistency problem.

Here’s the truth:

You’ll ALWAYS have unexpected expenses. What I’m wondering is what were you focused on as those unexpected expenses began to pile up.

As the car trouble happened, were you focused on the car trouble or were you focused on hitting your monthly financial goal?

When you experienced a family emergency, were you focused on the emergency or on hitting your financial goal?

The truth is that those unexpected expenses were just distractions created by your sub-conscious mind to keep you from growing.

The key to solving this roller coaster is to continually stay focused on what you want and what actions will take you closer to what you want.

There will always be unexpected expenses, what’s really important is to master your reaction to them. See them for what they are and DO NOT allow them to take your focus off your goal.

If you need to dedicate time to the distraction, do so during non-work time.

You can break this pattern easily if you’ll stay focused on your goal rather than on the unexpected expense.

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.

No clients? Blame the dishwasher…

This week's question from my portal “The Neagle Code: Directions for Life” comes from Erica Johansson. You can find her on the web at http://www.travelblissful.com/

Question:

Hi David,

I read your latest article on making decisions and your words “If you don't change your environment, you're constantly reminded of your old belief system and the things that you created from it ” struck a chord.

Self-development coaches often say it's ALL in one's mind, the external doesn't necessarily matter, so isn't it possible to affect one's current environment just by turning old negative belief patterns into positive ones?

Answer:

Hi Erika!

Fantastic question!

It's true. Everything is in your mind. Your hopes, dreams, fears, doubts, worries and all the programming that you received without the ability to reject it when you were a child are all there.

And you can affect your old environment by turning negative beliefs into positive ones, ONLY if you replace the old pattern with a new one.

Here's an example. Let's say Mary wants to lose weight. She knows she has an unhealthy relationship with food and suffers from cravings. In her mind, she “decides” she's going to do it, she's going to finally take care of herself and drop a few pounds.

Can she be successful doing the same things she was doing before making this decision?

NO.

She has to replace the old patterns with new ones, and then create an environment to support her. If she had brownies on the counter all day and her favorite ice cream in the freezer, she'd have less of a chance of creating a new pattern.

This works the same way with entrepreneurs.

Let's say Amanda knows she needs to make sales calls. She knows she's afraid of what people will think of her and she's worried she'll be rejected. Her current pattern is to do everything in her business OTHER than make sales calls. She cleans the floors, answers emails, does the laundry, and empties the dishwasher during the time she knows she needs to be calling.

Then let's say she decides she's going to do it. She's going to get on the phone and make the calls no matter what.

In order for her to be successful, she must restructure her day, hire a cleaning service so she's not distracted, and create a NEW PATTERN for herself. If she doesn't change her environment, she's highly likely to get sucked back into her old patterns.

She must create her environment around who she WANTS TO BE.

During the changing process the new belief pattern is weak and needs to be strengthened. By putting as many representations of the new pattern around you that you can increases your possibility of success.

“Just Believe”,®

P.S: 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.TheNeagleCode.com to participate.

P.P.S.: May I ask you to help me spread the word about this program? Is there someone you care for who is stuck, or struggling, or lost, or unhappy? Because if so, I would very much like to help. No matter their question, no matter their predicament, no matter if they've never heard of me before … if they would like to ask for help via www.TheNeagleCode.com, my Team and I will do our very best to provide that help.