(They get worse by neglect!)

Fire Debt

Disease.

Canakya PanditTake immediate Action for:

Ethics of CanakyaEthics of Canakya

Credit Spending is Stealing

Istan bogan hi vo deva…Yo bhunktair stena eva ca

In charge of the various necessities of life, the demigods, being satisfied by the performance of sacrifice, will supply all necessities. But he who enjoys such gifts without offering them in return is certainly a thief.

Gita 3/12

We spend money we don’t have to buy things we don’t need to impress people we don’t even like..

We spend money we don’t have to buy things we don’t need to impress people we don’t even like..

1.Catches up to you2.Emotional burden weighs one down

3.Trap, caught like an animal: borrow to become the lender’s slave

1.Catches up to you2.Emotional burden weighs one down

3.Trap, caught like an animal: borrow to become the lender’s slave

Owe, obligated, liable, needy, wolf at the door, rack & ruin, bereft, busted, in arrears, encumbered, unable to make ends meet, insolvent,, beggared, below the line, in hock, damage, bad news.,

Owe, obligated, liable, needy, wolf at the door, rack & ruin, bereft, busted, in arrears, encumbered, unable to make ends meet, insolvent,, beggared, below the line, in hock, damage, bad news.,

Easier to get into than out of

Feeling IsolatedSocial LifeHelpless, not in Control

AnxietySleeplessness

Feeling IsolatedSocial LifeHelpless, not in Control

AnxietySleeplessness

Emotional Toll

"Truth in lending is nonexistent in credit-card charges. The lenders can surreptitiously amass exorbitant late charges PLUS more exorbitant charges for exceeding the credit card limit. That is like a cruel parent tripping a child into a mud puddle then punishing the child for getting dirty."

In 1984 Culver City Mazda refused sell me a new car for $ 5,400.00 cash - insisted I finance the purchase.

1. Use credit when you could pay cash (Balance grows every month)2. Lack of Contentment, don’t know how to wait, “not yet” doesn’t mean “no.”3. Presume upon the future

Fun to spend $, more fun to spend

$ you don’t have, 23 % moreDelay payments or pay

minimum, keep debt outstanding

1. Use credit when you could pay cash (Balance grows every month)2. Lack of Contentment, don’t know how to wait, “not yet” doesn’t mean “no.”3. Presume upon the future

Fun to spend $, more fun to spend

$ you don’t have, 23 % moreDelay payments or pay

minimum, keep debt outstanding

4. Unable to tithe or to save. Live beyond your means. Wise man saves for future, foolish spend what he has.

Tithing & Saving ways to

build characterChildren will follow

suitGratitude for past, trust in present, faith in the future

4. Unable to tithe or to save. Live beyond your means. Wise man saves for future, foolish spend what he has.

Tithing & Saving ways to

build characterChildren will follow

suitGratitude for past, trust in present, faith in the future

People used to save 18 % income

1980’s saved 4 %

Now they spend more than they earn

People used to save 18 % income

1980’s saved 4 %

Now they spend more than they earn

5. Extravagant Spending, luxuries

5. Extravagant Spending, luxuries

98.6 Normal Body Temperature

6. Get Rich Quick

foolish, foolhardy, rash, reckless, madcap, wild, ridiculous, half-baked, ill-thought-out, ill-conceived, crackpot, FEVERISH

New Kusum Sarovar

•Key to good financial management is not to get more, but get along with less•Some things are not necessarily bad, they’re just not necessary.

1. Give to Krishna & Yourself

2. Stop Overspending

3. Repay Principle & Interest

“Give up all other varieties of financial misadventures and just surrender unto Me. I shall protect you from all indebtedness. Do not worry. Do not hesitate.”

Gita 18/66

25 years old

15,000 per annum

45 years

old

$ 30,000 to Krishna

$ 85,930

To Yourself

35 years old

30,000 per annum

55 years old

$ 60,000 to Krishna

$ 171,000 to Yourself

40 years old

60,000 per annum

60 years old

$ 120,000

To Krishna

$ 343,000

To Yourself

1. List all I Owe & Own

Ignorance & easy credit = disaster

$ doesn’t talk, it walks away quietly

2. What you can’t do without is an idol

don’t purchase anything you

wouldn’t loan out

3. Sale price, but consider

cost of maintenance.

4. Repayment plan, get counsel from disinterested parties, bypass the emotional element of purchasing contemplation.

5. Share plan with creditors, KHQN 6. Add no new debt, & stick to plan

“Manage your finances for My sake, without considering happiness or distress, victory or gain - and by so doing you will remain always unattached & free from bondage.”Gita 2/38

“In the minds of those

who are too attached

to sense enjoyment &

material opulence, &

who are bewildered by

such things, the

resolute determination

for devotional service

to the Supreme Lord

does not take place.”

Gita 2/44

“You have a right to perform your prescribed duty, but you are not the owner of the money which results. Never consider yourself the cause of the fruits of your activities & never be attached to not doing your duty.”Gita 2/48

“In the material existence of life, one is certainly influenced by propensities for lust and desire for dominating the resources of material nature. Desire for over lording & for sense gratification is the greatest enemy of the conditioned soul; but by the strength of Krishna Consciousness, one can control the sense, mind & intelligence.”Purport 3/43