KNOWING YOUR KARMA

AND PAYING YOUR KARMIC DEBTS

 

  

As mentioned in the previous topic, when you look back ten years ago, you will see a pattern.  Problems of similar nature come up and accordingly you are called upon to provide the solution. The temptations are the same. Your fall is the same. It is just like Adam and Eve being reborn and then after birth in their adolescent period eat again of the "fruit of knowledge of good and evil."  And the series of rebirth for them will stop only if they would have learned their lessons on Earth.

 

Why learn?  Because Earth is a huge university where every human being, enkanto, dwarf, or any gross spirit for that matter, must learn lessons in order to be promoted to the next level of spiritual development.  The things of Earth are the teaching aids like money, material possessions, relationships with your fellows, exemplary attributes of persons, people around you, your home, your school, your employment, the church you belong to, each and every individual or thing that comes in contact with you, and even the things you learn in the newspapers, radio, television, books, and from the lips of other persons.  All these are used by God to teach you to elevate your Awareness or Intelligence for you to climb the infinite ladder of spiritual evolution.  The perennial problems in your life, like the hardships in paying debts, must be a karma, a special lesson for you to learn and solve, a temptation you have to overcome, a weakness you have to remedy.

 

What then is your karma?  How do you overcome them?

 

Karma is like the balance sheet in accounting.  The balance sheet is written in the pages of your soul.  All the good deeds you have done, the help you gave to your fellowmen, the Love you have showered to your fellowmen, the trials you have overcome, the debts not paid to you, the lessons you have already learned, and all the positive experiences in the previous levels and the present one.  These are your karmic credits.

 

On the debit side are your karmic debts.  All the bad deeds you have done, the oppression you imposed on your fellowmen, the hate you imparted to them, the trials you gave up, the debts you failed to pay, the lessons you failed to learn, and all the negative experiences in your previous lives including the present one.

 

This karmic record is in the innermost part of your soul, written to serve as guide for the lessons and experiences that will happen to you on Earth.  It is not washed away at baptism since these records will serve as the curriculum for your special study in the University of Paying Off Karma located on Earth, Solar System.

 

When you die, this karmic record is updated.  These are fed to the giant computer in heaven.

 

If the balance is red and below a certain mark, then you fail and are sent to Hell, there to be confined unless prayed for by people on Earth or other dimensions.  The prayers are rewarded by pranic energy by God and sent to the spirits in Hell which in effect gradually lifts them up from the bottom of Earth.

 

If your balance is "conditional," then you are sent back to Earth after a long wait to take the removal exam.  If it were just one subject like control of anger or control of libido, then just a part of the spirit is sent back in the form of a "rider spirit" that merges with complete spirit in a man.  The individual with the rider spirit sometimes will wonder why he was able to do an act he could not control.  Little does he know that the act was instigated by the rider spirit inhabiting or merged with his subconscious  --- that part of one's spirit that has to learn the lessons on Earth.

 

On the other hand, if your balance is positive, then you need not go back to the University of Paying Off Karma and simply undergo some cleansing up there.

 

In short, karma is the product of your actions.  Like the principle in physics which says: "For every action there is an equal and opposite reaction."  In the principle of karma: "For every uncharitable act you inflict on your neighbor, be it in thought, word, or deed, there is an equal and opposite record on your soul."  You incur the corresponding karmic debt.

 

Some people go through life without knowing their karmic debt.  It is like  a student solving and solving and looking for a particular problem without knowing the intention of the teacher or the rationale behind the questions of the teacher.  Only the sharp, the exceptional, will be able to discern the things the teacher purposely did not say.

 

For you students of Earth who want to be exceptional, who want to be promoted fast in the ladder of spiritual evolution, you need to find out your karmic debts as this is hindering your search for spiritual promotion.

 

How can you do it?  In the stillness of the night when everyone is asleep or in the invigorating atmosphere of the early morning around 3:00 a.m., where inspirations from heaven are most conducive, pray first to your Guardian Angel for guidance and inspiration.  Your Guardian Angel has an access to your record in heaven and what he is allowed he will reveal to you.  What is prohibited, like the length of your exam on Earth --- your life span --- will not be revealed.  So don't bother asking questions regarding that.  Anyway, that is not your worry so long as you consciously embark on this karmic payment and eventual spiritual perfection.  After praying, feel the Love of God helping you throughout your stay on Earth so far.  Then look back ten years ago.

 

What has been your perennial problem?

 

Is it money?  No matter how you struggled to earn money, you barely had enough.  You exerted effort, then you improved.  You trained yourself in special courses, you were promoted to your present position in the company.  What is your assessment then?  With effort, you can overcome your problems.  If there is no other recurring problem, then don't relax.  It simply means you should now embark on a conscious, determined, programmed spiritual development on how to perfect yourself in Will Power, Intelligence, and Love.  Don't be derailed.  Don't hope for riches as you are not destined to be rich here on Earth but in heaven.

 

Is it paying debt on time?  You are a businessman, a small one, who get your goods on credit, the payment of which is after a week, a month, or two.  You barely make it and it is almost always late.  When you issue post-dated checks, they bounce.  But eventually, you are able to pay up but with additional cost in terms of payment of fines for the returned checks and loss of your credit standing.

 

Diagnosis:  Most probably in your previous life, you borrowed and borrowed, enjoyed life but ran out of lifetime, and therefore unable to pay.  As a result, now there are people to whom you lent who failed to pay you up.  There are also customers of yours who are difficult to collect from.  You are now at the opposite role you played in the previous life.

 

Remedy:  Study your incoming cash and your outgoing cash.  You will observe that when you don't borrow goods you have no problem.  So one solution: do not borrow.  No loan, no headache.  Another solution is to scrimp every peso and centavo and allocate to payment of debt first and foremost.  Then and only then should you think of using money for other purposes.  So the solution is:   Pay your debt first, before you spend.  When you have controlled the judicious allocation of money, then you have learned your lessons on Earth's university and therefore ready to climb the stairs of spiritual perfection.

 

Is it sex?  You have no problem with courting girls.  They naturally flock to you.  You are a male magnet to girls, or if you are a girl, a female flower to which bees converge.  If you are a man, girls converge to you and you give them happiness and offspring.  Your finances are impaired.  Your rise in career is hampered. Your business growth is stunted.  Until you are able to control your desire for the opposite sex, for the "forbidden, exciting sex", you will not be able to embark on the road of spiritual perfection and even your material perfection is hampered.

 

Is it Love?  You can easily win the opposite sex but somehow you cannot maintain his/her Love.

 

Diagnosis:  Most likely, in your previous lifetimes, you toyed with suitors or girlfriends.  Now you are at the receiving end.

 

Remedy:  Pray for guidance.  Tell the Lord you are sorry for your sins.  Control yourself.  Sex is not a necessity as there is no sex in heaven.  It is a material factor designed to entice man to reproduce, a factor used by God to humor the imperfect man and woman to go through hardship of rearing children.  After avoiding making love, then love.  Love, not just your boyfriend, but feel Love for each and every person.  Go to church regularly and. pray for Jesus Christ to enter your heart and dwell in it.  With Christ's Love in your heart, you have solved your perennial problem of the heart.  For is there greater Love than the Love of Christ?

 

Is it DISEASE?  You are now directly paying for your karmic debts.  Thank the Lord for giving you the chance to atone for your karmic debts while you are still on Earth, while you are still strong.  In your search for material things, your vision of spiritual perfection has been blurred.  This is now to remind you of the lessons you have forgotten to study, learn, and pass.  The cause of the debilitating disease might be in the previous life.  In which case you would need a mystic for you to find out.  Or in your ten-year review of life, examine your character, the people needing your help whom you turned down, or even people you oppressed. Was it your brother or sister whom you could have helped improve his stay on Earth but who you failed to help all because of selfishness, only thinking of your material success on Earth?  Was it your aggressive tendencies, your combative attitude with people you come in contact with?  Was it the curse you spit out on others, the ill-thoughts you entertained in your mind against your employer, enemies, against people you came in contact with?  The ill-thoughts created the disease that afflict you now.

 

Remedy:  Embark on a conscious spiritual awakening.  Life is fleeting.  The pain and suffering you are undergoing is but a chance for you to pay off karmic debts.  God allowed them in His infinite mercy and justice to purify you of your hunger for material things.  Be resigned to your fate.  Turn to the Lord.  Ask for His mercy and forgiveness.  Read the Bible.  Constantly pray.  Under extreme pain, think of the pain Jesus Christ underwent while crucified.  Yours is but a tiny fraction.  With resignation, peace of mind will come.  Happiness will set it.  In the irony of life, you will experience happiness while undergoing physical pain.  Crucifixion was Jesus’ sample to show that man can endure suffering.

 

When you have embarked on the road to spiritual perfection, ask the Lord to extend your time on Earth, to give you more time to finish your exam as it was too late when you discovered the solution.  He will listen to you.  Then look for a good doctor.  If your finances do not permit, better still look for a spiritual healer or mystic.  He will be able to cure or at least retard the disease to give you enough time to finish your exam in life, your exam on how to love your neighbor.

 

There are many more.  But given here are mere samples, which you as man have to discover because looking up and knowing your karmic debts, you have to pay every part and parcel through the learning process in the University of Life on Earth.

 

You have to pass now.  It may take you a long, long time to be admitted again in this university as there is a long list of applicants.  Millions and millions of enkantos are applying for admission such that those of the higher level try to hasten man's evolution by helping them, as they do through mediums to provide guidance and help.  Even through inspirations, these spirits try to help although being imperfect spirits their help is inadequate; their inspirations are not as smooth.  But they could be good aides in business.  These are the "enkantong maka-Dios" (godly elementals) who help hasten man's material and spiritual perfection.  But alas, there are the left gross enkantos who bring sickness and disease thinking that in the process they will also in a way help man realize his goal of spiritual perfection. 

 

This is so because the stay on Earth is the best chance of being improved.  This should be no wonder because you learn fast in school.  Ours is a university.  This elevation is the principle of spiritual evolution imposed by God on His creations after imparting them with His attributes.  This evolution is to lead back the created beings to be one with the creator after a series of purification in the general plan of God.

 

Knowing your karma and hastening the payment of your debts will speed up your purification in the spiritual plane.  So you meditate in the stillness of the night and find out your karma,  pay up your debt, and study and learn your lessons on Earth.  Yours is a unique lesson, a unique questionnaire, requiring special solutions.

 

Paying One's Karmic Debts

 

After learning your karma, after pinpointing the recurring problems, the theme of your life's problems, then you provide the solution.  You pay off karmic debts.

 

In physics, for every action, there is an equal and opposite reaction.  In karmic law, for every action that oppresses your fellowmen there is an equal and opposite karmic debt.  In Filipino, there is a saying "Walang utang na hind! pinagbabayaran."   In other words, there is no debt that will not be paid.  The payment may not be direct.  It might be in kind and will be paid now in this lifetime or in the next lifetime.   Paying karmic debt is the lesson unlearned in the previous life that has to be paid now in this life.   There is no way out.  When you ask for forgiveness of sins your sins will be forgiven, but your karmic debts will have to be paid.  Your sins are forgiven because they are sins which you commit against God.  But karmic debts are sins against your fellowmen.  And your fellowmen usually do not forgive easily as God does.  And you pay with interest.  When you die, your obligations, financial or otherwise, are written in your soul.  The balance is computed.  This balance is your karmic debt.  Karmic debt consists of all unbalanced relationships that have to do with your fellowmen.

 

You start with money, then Love of spouse, children, parents, or brothers and sisters. Then you go to work accomplishment.  Then to sex.  To power.  To management of time.  To vanity.  To inordinate love for material things.  To love of opposite sex.  To fooling people.  To earning without working.  To idleness.  And to many more.

 

What is the principle of karmic law?  It is computer justice where payment or sentence is made.   Until the computer registers "fully paid," events containing the "theme" will keep on reappearing in your life.  For example, the nonpayment of debt.  You keep on earning but your customers to whom you deliver the goods fail to pay you.  This means that the bad debt of your customers is credited to your karmic debt and paid in heaven.  You give sincerely to charity, to the distressed, to religious organizations, then the amount is credited to your karmic debt so as to lessen it

 

How do you embark on paying your karmic debts?  It is important that you consciously do it so as to impress on your subconscious that the lesson on Earth to be learned by your spirit, both conscious and subconscious, has been pinpointed, studied, and will be learned eventually.  The realization or Awareness will free you soon from the need to relearn the lesson.

 

How then do you finally start paying off your karmic debts?  In the stillness of the night ask inspiration from the Lord on how you can pay off your karmic debts and pray.  Pray hard.  You are embarking on the road to happiness.  This realization will toughen you in the recurring questionnaire of your problems in life.  You are about to lump up all the questions of the same kind in your exam of life and with one swift blow solve them.  The solution will come.  Implement it.  Stick with it. Freedom from the problem will set you free.  Happiness will follow.  Let us then have samples or glimpses on how you as private individuals can solve by your own effort your own private problems.

 

Example No. 1

                       

"Looking back, I have a hard time paying debts on time.  Collections almost always lag behind debts.  There are customers who totally are unable to pay.  Sometimes, I am able to collect but with much effort on my part.

 

"Diagnosis:  In my previous life (it must be since I cannot pinpoint any cause for such events in my present lifetime), I did not pay on time such that people I owed almost cursed me.  I failed to pay although I could.  I kept on postponing payment.  "Makunat akong magbayad.”

 

"Solution:  God in His infinite mercy gave us the liberty to choose from. several alternative solutions.  For a particular problem He gives us, there are several solutions so that you may have all the chances of being promoted.  In this instance, the most logical thing to do is consciously implant to my mind the necessity of paying and paying on time so as not to offend the debtor.  Offending him or hurting him will trigger in him a release of hurt energy that will be registered in the computer in heaven as karmic debt in your balance sheet.  The entry will be reversed when the debtor smiles and is satisfied.  If not, it remains there.  After implanting in my mind the decision and determination of paying on time, I then command my subconscious, ‘I can pay on time. I will pay on time.’   This order, if you have tamed your subconscious will he carried out by him, mobilizing all the resources, like finishing the job on time, feeling the strength to deliver on time, and if the money will come from collection, having the energy, the enthusiasm, the confidence to collect that the customer owing us will do all he can to pay us on time.  And debts unpaid for quite a time will eventually be paid if you exert patience and effort.  The patience and effort are the interest you pay, the effort you put in, to learn the lesson you have to grasp.  But this is not enough.

 

"As a final solution, I will allocate ten percent of whatever income I make; that is, whatever cash inflow, I will allocate ten percent of it as payment for my money karmic debts.  Don't worry.  I will know when I am fully paid.  It is the time when I observe that the ten percent I give comes back ten times the amount in return.  This technique besides makes me nearer to God as in reality I help my neighbor.  And as penance for my karmic debts, I minimize my strong tendency to borrow, to pay on credit.  By controlling my urge, in effect, I control my subconscious --- his irresponsible urge to enjoy material comforts right away without thinking about the rights of others.

 

Example No. 2

 

"Is it problem of the heart?  Have I failed to win the heart of the opposite sex?  Most probably in previous life I was a heartless playboy (or playgirl) that I broke the hearts of so many.  Now, it's my turn to feel how it is to be heartbroken.  Thus I am suffering because I toyed with the love of the opposite sex.  The intense hurt feeling registered itself in the computer in heaven and was found to be principally caused by my mischievous vanity.  So now I am tasting the bitter pill.

 

"We can pay love debts, not with money, but with Love.  Loving my neighbor, loving the weak, the helpless will set me free.  I'll be liberated from my karmic debt."

 

Example No. 3

 

"Girls of the opposite sex are easily attracted to me that I savor the nectar of happiness then I let go of them.  If I were a woman, I kept changing men.  It is important that I resist the temptation of sex.  It is a lesson I have to learn.  I have to refuse the offer.  The karmic payment most probably is paid right now in terms of family troubles, neglect or children, or crumbling business.  And if I persist, then in the next life the payment will be worse.  If I am a man, I will be imprisoned in a woman's body.  And if I were a woman, I will be imprisoned in a man's body (bakla, sissy), there to go on begging for the Love of the same sex but not really getting it.  The frustration, the unhappiness the situation brings, is a payment of karmic debts so great as to make having sex at this point illegal.  As if I were condemned, forever forbidden from enjoyment of sex in my present lifetime.

 

"The solution is simple.  Love my fellowmen.  Embark on a spiritual course.  This is my peace.  For Love is the essence of salvation.  There can be no salvation without Love."

 

In these examples, take note that if the karmic debt is money, the payment is money and will be paid to fellowmen.  If the karmic debt falls under Love, the payment is Love for fellowmen.  But if the Love debt is enormous, then a debilitating disease sets in.  The Love debt might be due to selfishness --- the desire to work for oneself and oneself alone irrespective of one's duty to brother, sister, or parent.  It might be a sin against one's parents or children for neglecting them.

 

Whatever karmic debts you owe, identifying them is part of your problem.  It is part because becoming aware of the problem is a way you partly learn because learning is increasing your Will Power.  When Love debt has been incurred, loving one's neighbor is the solution, thus enhancing one's Love for humanity which will turn to Love of God.  When one consciously realizes the karma and pay them, then he enhances his Will Power, Intelligence, and Love, and thus makes him more perfect and nearer to God.