by Colleen O’Malley Weber
Business Partner, Work at Home Mommy, Writer, Spiritual Ecologist, Advocate for Authentic Living www.soulvisoin.ca
The governments by which my way of life is regulated (both U.S. and Canada given I live in Canada and was born in the U.S.) have led me to a situation where I can no longer follow the rules.
My husband Jeff and I, along with our two year old daughter and 13 chickens are going to stop making payments on our bills (yes, that means mortgage, credit cards and to some extent our electricity/hydro). We have tried to do everything according to the rules. We pay taxes in two countries (I don’t recommend it if you have the choice not to!) We have had work visas in both U.S. and Canada and we have had excellent credit until 2008.
We live fairly simply in that we grow a good majority of our food (eggs, meat from chickens, organic gardens) and we buy most of our clothing and supplies second hand or barter. This was a choice we made before we started having financial concerns, but no matter how basic we live, we find ourselves dealing with debt, interest, and bills beyond anything we could afford given an income of about $35,000 a year combined.
We have our own business doing facilitation and coaching through our company Soul Vision (www.soulvision.ca) and have done a variety of other things to keep money coming in (web sites, child care, writing, selling chickens and eggs, etc.)
We believe in the Law of Attraction and the Power of Intention, but although we are attracting abundance in terms of friends and soul nourishment, finances are stagnant.
Would we like to make more??? Definitely, but the economy and businesses are not supporting our efforts the way they used to. Jeff even applied for a truck driving job but was turned down (probably his 10th rejection in the last couple months) because he is too overqualified. And, to add insult to injury, we just got a notice that our property assessment has been raised more than $100,000 since last year which makes no sense since our home value is dropping like a lead weight.
And, it doesn’t seem to matter if we make $2000 or $5000 a month, as soon as we have a small surplus we have a heat pump that fails in the middle of winter, or a washing machine that dies, or a car that needs its oxygen sensor replaced. The funny thing is that I knew something ‘weird’ was going on, because each time we went to pay the bills (twice a month) we would be able to scrape up just enough to cover the mandatory (what we thought was mandatory – mortgage, electricity/hydro, etc). We would have some absurd amount left such as 47 cents or a dollar and change. I would wonder where the grocery money was going to come from and then we would get a small bit of cash from an outside source we weren’t expecting (family, friends, and money in the jacket pocket I had forgotten about).
So, what do we do when we realize every two weeks that we can’t pay the bills?
CRY! No seriously, we don’t anymore. I had a very bad experience with one of our creditors last summer which resulted in my screaming obscenities at the agent and if you know me, you know that is not me. After collecting myself and realizing that I was not going to be destroyed due to my credit rating or some bullying from creditors, I called back, apologized, spoke to a manager and suggested they use the recording of my call for training purposes
and started looking at our finances differently.
We used to think we were doing something wrong… but we realize we are not alone.
Although the economic situation is hitting the U.S. harder than it is in Canada, there are many of us throughout the world who are in a similar situation. We are making less than we need to pay our bills, our mortgages, our ways of life. I’m not supportive of those people who live extravagant lives charging to the max and then not standing up and being accountable, but for those of you who are like-minded and are here to make the world a better place, I ask you this…
WHAT IF THE ECONOMIC SITUATION WE ARE IN IS TO HELP MAKE THE WORLD A BETTER PLACE???
I know this sounds absurd but follow along and then I will share some resources and ideas that may just work for you. They are working for us!
About a year ago I started to reveal our financial situation to some close friends. I was surprised to learn that they were as bad off, if not worse than us with their money problems. It seemed we were all reading things like Millionaire Mind, or other self-help books by Suze Orman or other money gurus trying to figure out what we were doing wrong. We aren’t doing anything wrong except trying to keep the world economy afloat by going insane conforming to “you must pay the bills” mentality.
Have you ever tried avoiding throwing up? I know – that sounds crazy, but have you? The more you try to avoid it the worse you feel, and then when it does hit – it’s worse than if you had just gotten sick in the first place? Ok, so the world is throwing up, or at least trying to. Nature is working to bring balance back to the world in so many ways… environmentally, spiritually, physically, and economically. Economically??? “That’s not in the realm of nature” you might say…
Maybe not at first glance but I have had three pieces of information shared with me in the past six months that makes be believe money and spirit are tied together more than we know! A client and friend of mine, Jacqueline Richards (www.jacquelinerichards.com) has published a book – Yoga for Your Finances. In this book, Jacqueline examines how money is tied to energy — It is her belief and many spiritual gurus that money is energy, yoga is energy, success is energy. Therefore they are all intertwined. Her book does an amazing job of helping people to release any energy blocks they may have through Chakra work and yoga poses. So, if you want to check it out, visit her web site.
The second piece of information that I was given through my spiritual guide and mentor Jamie Walters (www.ivysea.com), was that the name money comes from the Roman Goddess Moneta. She is not only charged with abundance and currency but also was known as Lucina the goddess who brought children into light. How cool is it that money, from the ancient perspective, didn’t have anything to do with power or bigger, better, faster, but was tied to someone who had such a beautiful responsibility.
The third piece (things come in threes for me) was that the Native populations also saw money spiritually. To them gold represents the sun’s powerful energy. The value wasn’t in the possessions but in their spiritual and natural representations. Those who conquered them and took their land and possession saw the gold much differently…
And it is that mentality, the ‘bullying male stereotype’ that has created the society we have now. Wars over land and possessions, suppression of the weak and poor; in our current society MONEY IS POWER and it is the ROOT OF ALL EVIL.
However, that is changing. I have been guided to share with all of you that this is the year of the Divine Female and her energy is bringing us back to a place of compassion and spirit. No longer will money be used as a tool to oppress or segregate, but it will be used to foster growth and abundance for all. Look around – agencies and individuals are doing amazing things to set up micro-loans and grants for beautiful people with fantastic ideas and powerful hearts.
Check into a documentary called Awakenings (You Tube) and see how impoverished women in India and Afghanistan are changing their world and the world around them through microfinance. Awakened to new possibilities, the world’s poorest women are forming collectives where they learn to save small sums (40 to 80 cents a month) and invest their capital as a group. They are creating an economic system with values like sharing, mutuality, collaboration, and closeness to nature.
Whether you believe in the predictions of 2012 and the Mayan Calendar (end of the world as we know it), or not, there is no doubt something big is happening to our people and planet, we all sense it.
We also believed Obama was sent to us out of nowhere to bring us into the new age with grace, vision and hope. So, why is he supporting a bailout to the tune of $790,000,000,000??? I had to double-check and yes that is 10 zeros after the 7 and 9. If there are only 300 million people in the U.S. (and you whittle it down to just those 18 and over) do you know how much each person could get if the money went directly to them??? Anywhere from $400,000 on up, depending on the population and age demographic numbers you use. WOAH!
Obama what are you doing? The answer I was given through spirit but translated in ‘my language’— making the world vomit! No, that’s not a bad thing (as we already discussed). He is forcing the economy to crash. The false systems, the bloated bellies, the archaic views of money – all of it is going to come to a crashing halt. Those who don’t ‘get it’ will have a false sense of the stability of the economy and continue doing what’s being done – charging up credit cards, buying things they don’t need, and investing in stocks, bonds, and other systems that will not survive.
So, who is left standing when all of this is done? Those of us who saw through the charade and began looking at how to live simply, within our realistic means, and without supporting the systems that no longer serve us without fear or apprehension.
Ok, maybe this seems a little far fetched right now, but I am planting the seed and you can choose whether you want it to grow and sprout, or just let it decompose… Various seeds like this one have been planted for me and now that I see a different perspective I am being overwhelmed with signs and guidance that this is the path for our future.
What does that mean and what are your options if you choose to follow this path?
1)
Stop paying the bills tied to big bloated systems like credit cards and mortgages with big banks. We are even going to stop paying our full electric/hydro bill every month as a) we are paying a portion of our bill to offset a bad debt they had due to misspending and illegal actions and b) we honestly can’t afford it. We set our thermostat to 66 degrees in the winter and wear layers of clothes, but we still have a $300-400 bill or more each month as they continue to raise their rates.
2)
Join up with others virtually or physically to barter, share, and collectively find authentic solutions for social, professional and educational networking and activities. By nourishing your soul with like-minded people and activities will help to off-set the crap many have to deal with every day in schools and jobs that don’t allow for personal growth. It is about the bottom line – not money – you and your well-being are the bottom line.
3)
Be honest with your neighbours, your family, and your friends. Let them know you aren’t looking for a hand-out, but there is nothing wrong with all of us helping each other in other ways. My friend needed a new TV set, we had an extra we really don’t use. It’s now hers. Another friend had an extra bar fridge that she didn’t need but we wanted one to store our eggs we were selling. It’s amazing how our circle of support keeps coming together!
4) And be honest with your creditors. Do you know they have a whole host of options for you when you are no longer able to pay? But you must have a history of not being able to pay in most cases (3 months or more). Tell them you will no longer be able to make minimum payments, or you can only pay x a month for your mortgage, electric, etc. They may not agree to the terms but may offer something else as a great solution. I just got an email from our bank saying we can skip up to $2900 in payments this year on our mortgage without penalty. Sounds like a great option for us!
Here are some suggestions on what is working around the world and I will also share which ones are working for us:
LIVING BEYOND YOUR MEANS IS YOUR PATRIOTIC DUTY:
http://www.signonsandiego.com/uniontrib/20081010/news_lz1e10schiff.html
STOP PAYING YOUR MORTGAGE:
http://bakersfieldbubble.blogspot.com/2008/10/stop-paying-your-mortgage.html
JINGLE MAIL (send your keys to your lender)
http://www.mortgagereliefformula.com/short-sale-help/
HALF MOON BAY (read the comments too):
http://blog.stealthmode.com/2009/02/06/an-open-letter-to-my-two-mortgage-companies/
DISCUSSION BOARD ABOUT HOMEOWNERS ‘FIGHTING’ AND WINNING:
http://www.loansafe.org/forum/success-stories-homeowners-who-fought-back-won/
And, my husband started blogging this morning – I thought his posting was incredibly powerful too: http://yoursoulsatisfaction.wordpress.com/
I’d love to hear other ideas. Please feel free to email me (colleen at soulvisionl dot ca ) or post on my blog:
http://soulvisionaries.wordpress.com/
So, what if 1000 of us, 10,000 of
us – 10 million of us stopped
paying our mortgage?????
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