Please help

[undineworker]

I am in a very difficult situation. Not one anyone talks about here. I have lots of help all around me, and from within yet I am in terrible financial trouble. I understand that this board deals with spiritual matters, but I have help financially and earn a good wage its just that I cant seem to pay my bills, despite having help. I have asked for help and got all sorts of help from organisations, but it still seems that I have a kind of self destruct mechanism within me, which comes from my abuse at the hands of my alcoholic mother, which makes me want to ruin my family's life.

Some of you may not realise that there is this side to my nature, having read and said all the lovely things you have about me, and the wonderful spiritual path I am learning to follow, but why is it that spiritual matters very rarely cross over into real life and impact upon reality? It is scary, and worrying, and I am trying to place myself in god's hands and let him heal me of this self destructive tendency. I wont go into too many details, but I have arrears, and worrying unpaid bills, and I am hoping for a small miracle to take place. The thing is, about this time of year I usually get a christmas bonus, but so far that hasnt happened - I am keeping my fingers crossed for it to happen really soon so I can resolve everything.

Will you pray for a little miracle for me, so I can stop worrying myself sick and being in trouble? I feel as if I am sometimes two people and I dont know which one I am at any given time. I am a Pisces, though, and two fishes swimming in opposite directions couldnt be more apt in describing me!

Thank you for letting me pour out my little heart - I feel better already. Can you draw a card for me zanna to help me?

Love and Light and a permanent end to all sadness

Lizzie xx

[Leon]

Thankyou for one of the most honest messages anyones put on here Lizzie. I could feel the heart ache and worries you have as I read the message. When ever I have been in trouble with money, I have gone back to basics for a few months. It might seem degrading but, we all waste money on things we don't need probably hundreds of pounds a month in some cases. And you have to start somewhere. Here goes my list of anything I can think of to save money.

1) Eat more basic meals like beans on toast, egg on toast etc. You can make a few pound go a long way, in a place like Asda 20p bread, 10p beans, 20p butter, 30p packets of biscuits etc

2) If you drive walk more, this will save a few pounds a week. And if you catch the bus, walk instead, on a few occasions at least.

3) Pay the most important bill, what can you not do without, like electricity, or gas.

4) Sell anything that is unused used in your house, just making £20 from an old TV may just settle one bill.

5) Cut any unneeded things like sky TV, mobile phones etc. You can do without them, we all survived 20 years ago, so you can survive now without a mobile.

6) Talk to some of the creditors honestly if you can find 1 or 2 that will, give you a months grace, then that will give you more time to save money and make money.

7) If you have the time take a small part time job, even if its just for a month, just to make a few hundred pounds.

8) Buy things like books from a charity shop, you may have to look harder and longer but theres still some gems out there. My first Omraam book as from oxfam so I'm not going to complain if I find a few more like him.

Finally it is the balance that you have lost with incoming and out going money. Like anything in life if you get in balanced you become ill. And it takes a lot of hard work to get better and you will have to do without lots of things until you are better. But Lizzie instead of worrying, you must think you have been set a challenge that you must concur, and you will concur it. This will make you a better person and aid your spiritual journey.

For the people that have never been without luxuries, they don't know what they are missing. Who wants everything given to them on a plate. When you do get your life back together Lizzie you will of earned everything you get and more than anything you will have gained wisdom in life.

PS. I have lots more ideas to save and make money if you ask me Liz.. God bless you Liz I will send a prayer so that you find the luck you need to start getting your troubles sorted.

www.thegodlight.co.uk

[sue41]

thinking of u lizzie and saying a prayer for you i too i know how difficult it has been at times leon is a wise man he saved me money with his back to basic thinking at the time you begin to think how will i mange how will i cope but the thought of cutting back is worse than it seems and when you have gained that little extra something you can smile and think to yourself i did that and i can do it again
love and light to you lizzie god bless ill keep you in my prayers xx HRH SUE

[sunflower]

God Bless your heart Lizzie, I beleive you have a good start with admitting the problem. Now there is a way If i could suggest...

When I have had money trouble I have worked with the universal energy. I know this may sound a bit crazy but it has helped me and my mom. Ive read the book Excuse me your life is waiting ,by Lynn Grabhorn. She suggest that you can manifest in your life what you need.
When this was happening to me I would sit down and close my eyes or just invision myself writting out all my bills and being happy truely happy from the most purest part of my soul. Or when I was out at the store I would get real excited because in my mind i would buy everthing I wanted or needed. And even see myself enjoying it in my home and be as detailed in your visions as possible. It sounds silly Im sure for some, but it really worked. Then with some time I would get a non known check or help from a relative or a break on a bill. Eventually myhusband even got a raise at his job. It take a little while to see results so get started! But trust that the universe will provide. Every time you get down or worried block it out or replace that worry with your visions of wealth and feel it from the depths of your soul. Really get the emotion behind it because this will make it come sooner and do it as often as you can!!!

I will send you these thoughts as well. It helps me cause I know what you look like. I hope this will help, just give it a try. You truely are a very specail person and you deserve all the happiness in the world!!!

sending alot of love and light!!!!! jess

[zanna]

sweetheart. I am sending out love to you as I read your thread. (Im in serious financial trouble too) Nothing seems to get paid and when it does something else comes along (maybe I was rich in another life!) I will choose a card for you now & I'll send a prayer for you too.

Ok, The one that came is called "Mystique" Basically although you feel you are in a dark tunnel with no way out do not give up! You must keep going and stay "positive" when you stay positive then miracle's will happen. You have the Black Unicorn here and he is coming through a darkness into the light. Stay calm, stay in control, believe that everything will work out.

I will pray for you tonight darling you are not alone, we're always here for a chat. Leon is right with what he said.

Thinking of you hun, God bless (and ask for financial help from the angels)xxx

[sparklekaz]

Dear Lizzie,

Awww sweetheart, so many of us have been in and are still in the situation you find yourself in now. So do not blame yourself. The important thing is that you have realized you need to reach out and ask for help, rather then bottling it all up inside. This time of the year is really difficult, as many peoples seriously overstretched finances are put under more pressure. Things come to a head. You been juggling and juggling and now your balls are falling down..But you are not without power in this situation, and hopefully I may be able to give you some useful advice. I can see, Leon has already given you lots of useful tips, but here are some of mine.

1. Contact your local Citizen's advice Bureau. The reason I suggest contacting them, is that they have money advice specialists, who can write to your creditors on your behalf. They will give you a Income and Expenditure form to fill in. It details, your Income, then in detail, everything you spend your money on. You have to be REALLY honest. Food is the biggest one people always underestimate how much they spend on food. For one week, keep every receipt from your purchases, this will give you an accurate picture. If you don't have a CAB near you, make your own income and expenditure sheet, and do as I have outlined.

2. Contact all your creditors. Tell them you have been experiencing some financial problems. You are putting together a financial statement, which is what the Income and Expenditure sheet is. So that you can see what income you have left to pay your bills with. When you have worked out what income you have left to spend on bills at the end of the week, or month. You can then divide the money equally between your creditors. You will find they will usually be happy you have contacted them, and told them of your difficulties, rather then doing what a lot of people do, and that is to leave it too late, or until their debt gets put into the hands of a debt collection agency. Even if that has happened, don't despair, they will still be happy to negotiate with you. If you find that there is NO money left at the end of each week and month. As Leon has said, maybe there is some way, you can take on a small job, a few hours a week, doing anything. Working in a shop, helping out in the local pub or hotel. Maybe advertising yourself for babysitting, anything.

2. Look at changing your utility providers. For instance, go on the INTERNET and shop around. Look for the agency that provides the cheapest, Gas and Electricity. www.cheapest-utility-suppliers.co.uk/dual_fuel.html you could end up saving hundreds of pounds a year.

You can do the same with telephone and INTERNET www.cheapest-utility-suppliers.co.uk

3. If you have Sky, look at reducing your package, or even getting rid of it until your circumstances improve.

4. Check your bank charges on your bank statements. If you are charged, your bank cannot charge you any amount they please. Legally, they have to justify the money, by telling you, i.e. how many letters, or phone calls they have made to you for which they have charged you. Recently a client of mine was charged £157.00 for being £10 over her overdraft limit for one week. We challenged the bank, and asked them for a breakdown of the bill, showing us where they spent this money. They couldn't, so they refunded the charges.

5. Look at where you shop, do you go and do one big weekly or monthly shop. Or do you shop several times a week at local small shops which charge higher prices. I know you live in the highlands sweetheart, but there must be a town, where they have a lidl's or kwiks. Its worth thinking about.

Oh, Lizzie, I know where you are coming from, and no you do not have a self distruct button. Do you take care of paying the bills, or do you and your husband share the job? If its just you, have you spoken to your husband about your finances. Because, he can help in a big way too. By doing as you maybe looking for extra work. Do you have any hobbies, that might be turned into money making schemes. If you haven't told him, you need to think hard about doing so. You need to be together with this, you are a family and support each other.

After my Mum died, I was left some money, and we spent it in about 6 months. Yes half went to pay off debts, and we bought an economical car to run. But I also wasted a lot of it, spending it made me forget for a while my pain. But it doesn't really help, it just masks it for a while. I bitterly regret wasting it.

I am hear for you Lizzie whenever you need me. If you cannot get to CAB locally, you can contact me at the Bro Ddyfi Advice Centre in Machynlleth. We could help you by phone and letter. Our money advice team, is the best. If you want I can email you our number.

Lots of love
Karen

[undineworker]

My dear friends, what can I say? I feel humble and thankful that I could come along here and be open and honest about what was happening in my life, and indeed still is. To Leon, I say, my husband sells as much as he can on ebay, and is doing very well. We are using the money to buy one or two christmas presents for our children so they will have a nice christmas. I am not destitute, you understand, I do have problems, but we have enough to eat and we have a roof over our heads and most of the bills are being paid. I often have to cancel a direct debit one month then pay double the next month simply because I cant stretch the budget. I am with a debt management company and for the last month, have not been able to pay them what I should - that is bad. I have an income and expenditure budget but somehow it doesnt seem to match reality anymore. It is a struggle.

I already do all my clothes shopping in charity shops, and I buy the value items in my local somerfield, my hobby is competitions and I have won lots in the last little while.

Zanna, thank you for your card - that is what it seems like, a long dark tunnel, but I do know there is light at the other end, I pray for that. I pray every morning when I wake up and on my way to work. My boss has said we have to economise, and I wonder if this means the bonus will be cancelled - mind you, every year he says this, and still there is a bonus, so we may be okay. That would take care of the immediate difficulties we are having. I have my fingers crossed.

I know what you say, Jess, about manifesting money. I was being so positive, and affirming all my bills paid, and I won £632 in the space of a couple of months, so I know I can do it. Thank you for offering to send me those kind thoughts - I could use some.

Karen, what can I say, you are so sweet and have gone to so much trouble for me finding out all that information, for that I am very grateful. Thank you for your support.

Leon, what can I say? You are a sweet person who is very kind and compassionate and I thank you from the bottom of my heart for your kindness. Sue, too, you are very good to me.

Thank you all again, I feel the warmth of your prayers and will try to remain positive.

Love and Light

Lizzie xx

[zanna]

God Bless hun, thinking of you,xxx

[Gina]

I too have been in a similar position, I came within 2 weeks of my house being reposessed, My husband & I lost virtually everything material. We had a business that failed after 3 years & business creditors are terrible , we had heavies knocking our door, charges put on our house, constant threatening phone calls. The one thing that we didn't lose was each other, don't get me wrong my husband was so close to a breakdown & I had to be the stronger one & keep reminding him that no matter what happens we've got each other, it made us a lot stronger as a couple. When you are in this position it is hard because interest keeps piling up on late payments, if I am honest I found it very hard to get help from my creditors. We sold our house at the last minute for a very low price, £50k less than the value to be exact ! We had just enough money for a deposit on a much smaller house. I do not let myself get stressed or worried about money, it's a root for evil. If you haven't got it you can't pay ! Just think when you're feeling down that it's a new day, you have your health & you have people around you that love you. You are NOT alone. We now still have to budget ourselves, there are many times when i turn all my drawers inside out & pockets looking for some loose change ! I really will pray for you to receive a miracle. You deserve some luck. There is a light at the end of that tunnel & you will reach it !
Thinking of you
Love & light
Gina

[undineworker]

my dear Gina, how sweet of you to share your problems with me, too. I have never had that much bad luck but I was the victim of an internet scam whereby I received a cheque for £10,000 with the promise that I would receive more, deposited it in my account and the cheque turned out to be stolen, the police were involved and I was in lots of trouble with a very nasty bank manager. I know about turning out my pockets and even looking down the back of the couch. I know about visiting charity shops, and they all know me by name, my children are not used to wearing designer clothes but hey, neither am I - I dont own a mobile and I dont have a car. I have a bicycle and I am kind to the environment. I thank you for giving me perspective, all of you. And hey, whilst you are praying for a miracle, dont forget I will be praying for all of you to receive in kind what you have been so kind in giving me - love and compassion and caring.

Love and Light

Lizzie x

[Leon]

May I ask a question Lizzie. If you have been watching your money wisely and doing all things possible to save money. How have you managed to get into financial difficulties. What have you spent your money on to get you in this mess. Or how have you lost money. As you seem to have most the corners covered in dealing with the trouble. I would say you have lived prudently for years, so what has happened to push you over the edge as It does not add up for a prudent woman to get in such a mess.

[Sidney]

Hi Lizzie, spirituality can help in every aspect of your life. Awareness is key to beginning to solve your issues here. I know that what we put our attention on, and believe in, manifests in our life. We need to change our thinking around that pertains to every aspect of our lives, including finances. Try catching yourself whenever you get the urge to make a purchase that may be unnecessary. What we believe in we create... I've learned that!

Peace, Sid

[undineworker]

thanks so much Leon & Sidney, it does help, I have tried to put my focus on having enough to pay the bills, as well as being kind and compassionate to others - I find I become somewhat fragmented if I put my focus on too many things, so have to concentrate on one thing at a time.

love and light

Lizzie x

[undineworker]

I decided last night that I would hand my financial difficulties over to spirit, and guess what? This morning on my way to work I found £5 on the road! I think spirit is looking after me....it was a wet soggy fiver after all the rain, but I still managed to spend it . I did look around and couldnt see anyone else who could have dropped it, or I would have given it back, except there was no-one to give it to...I think it was meant for me. I was able to buy food with it, and it kept me going at a very difficult time.

Love and Light
Lizzie xx

[sue41]

aww nice one lizzie sounds like ur prayers are being answered with pennys from heaven least it did u a good deed and was well spent looks like it was ment for u in ur hour of need
love an light HRH SUE xx

[zanna]

that's a lovley message from spirit lizzie. They do look after us when we ask. We just need to trust. I'll pop some positie words in my book for you sweetie.(all of you) God Bless Hun,xxx

[undineworker]

you will never guess what - a set of lottery numbers I put on five weeks ago, to run for five weeks, I have just checked and I have won £10!!

eureka - just when i needed it most! my daughter's hot water bottle burst last night!
Love and Light
Lizzie xx

[zanna]

well done lizz, think i'll ask the angels for help. God Bless hun,xxx

[sunflowerusa]

congrats Lizzie!! I m very happy for you and very very excited for you!! You must be doing something right, for you are being given these gifts from heaven!! What ever you are doing keep it up and Im still sending you my happy thoughts and energy!!

Love and Light jess

[Leon]

Five more pounds profit then liz. You do seem lucky with your five pounds. Now this reminds me of a story. Several years ago i used to heal an old woman in her nineties called Elsie. She was lovely and chatty, a bit hard of hearing, but if you took your time with her she understood everything said.She hated being talked to like an old woman or a death woman. When I first visited her I asked to see a picture when she was younger. i wanted to look at her picture so that I could picture her as a young woman when I spoke to her. She was a beautiful young woman, maybe most her friends and family had forgot. But whenever I spoke I saw her in her twenties not in her nineties. Now I had been healing her at least once a week for over two years at this point of the story i will tell. I turned up to heal Elsie as normal at 9am on a Friday. She welcome me into her back room that she always sat in and offered to make me a cup of tea. She always made the tea in a pot and would then pour it into bone china cups. After she made the tea as usual she would sit down next to me for a chat before healing. But instead of looking happy to talk to me, she looked sad and worried. I asked Elsie why she looked so worried. She replied worriedly that her son had been around the day before and had complained that she was wasting too much money on having healing. he wanted to stop the healing and the company I brought her. Even though his mother would sit alone virtually all week and hardly ever leave the house. Her son would visit her about once a week for about 2 hours. leaving Elsie lonely most the time. Elsie over the two years up until this point had told me many a time, how much she enjoyed being healed and our chats. Well Elsie had go into an argument with her son who wanted to stop me visiting her. he had complained that she was wasting her money. Which Elsie did not agree with. Well at the time I was charging Elsie five pounds per healing session, I would do other things for her for free, like collecting shopping lists for her from the shop. All this obviously had gone unnoticed from her son. I was listening to all Elsie's worries while drinking my usual cup of tea and a couple of custard creams, which she always had in her cupboards ready for my visits. Listening to her worries that her son had put upon his own mother. As Elsie finished telling me about her argument with her son and the price of healing, I picked a book up from her table, a large print book, as she had poor vision. The book was a love story the usual kind she would read. I opened the book at any page, while not looking what was written and past it to Elsie saying this will answer the argument with your son. Elsie took hold of the book and read the first few lines back to me "Five pounds what can you do with five pounds these days" came back her words, she was nearly crying as she read. I knew that I could bring a symbol to Elsie to make her understand her argument with her son was worth it. As the healing was good for her and my company was. It is a shame that her son who was jealous of his mothers fondness towards me, was trying to break up such a healthy friendship. Those words that come out of that book will always ring clear in my mind, am sure they rang just as much in Elsie's mind. "Five pounds what can you do with five pounds these days" Money is immaterial when we are taking of someones wellbeing. Money means nothing. I would of healed Elsie for free as I loved her as a person. But she would insist on paying. God Bless you Elsie. Anyone reading this who comes across similar please follow your heart and continue to do what is good and don't be brought down by the ignorance of some people.

www.thegodlight.co.uk

[sunflowerusa]

Leon what a lovely happening, it made me cry ! God Bless you!


jess

[The Caretaker]

I didn't Read your post, just Glanced through some of the replies,

Have you ever concidered asking God for advice?

[kalichi]

I have read most of replies to this posting ..and to be honest ..its ok getting the odd pennies to help but YOU really need to look at the source~ you are aware of why you spend ..Self Discovery and Path changes is what is required ok going for the quick fix but does not LAST..XX~ not a easy road to take but you will find the rewards far greater than the £5 on the floor ...wish you every good luck on your journey..xxxx

[zanna]

Dear Caretaker,

I always ask God for help/advice but we don't need to hear a big booming voice to know that God exists. Since God is everywhere, in ourselves, in nature, the tree's etc... We are all as one so therefore we are always asking God,

God Bless,xxx

[Leon]

Care taker I am sure most people that enter a site called The God Light, do ask God to answer their prayers, but don't forget to thank god when everything is going well. Then you will not loose your link with God if you forever remember who created you and this world.

www.thegodlight.co.uk