Not long ago, while doing research about how the brain works, I learned that when we think about the idea of debt it actually triggers the reptilian brain that is geared for survival. This ancient part of us is our worker-brain that can become obsessive, overwhelming all of our thoughts when something real or imaginary threatens to harm us. When we are in debt, we are in survival mode.

The limbic brain is in charge of emotional response to life, for example, the idea of debt.  The reptilian and limbic parts of the brain work in tandem often accessing old patterns of fight or flight. This tried and true pattern will replay over and over until we become conscious enough to take control of the only thing we can control—how we feel about something. The frontal lobe of the brain contains something called the pre-frontal cortex, which is the higher conscious part of the brain. The pre-frontal cortex lies directly between the eyebrows in the very front of the brain, precisely where the “third-eye” is located. When the “third eye” is activated there is a vibration that is set into motion that awakens the pituitary gland in the center of the brain, which in turn activates the pineal gland to open the crown chakra. So in actuality you can think of this as the “third eye system.”

The pre-frontal cortex is of tremendous significance because this is the part of the brain that activates joy, confidence and compassion, in other words this is the place that holds the key to be-ing completely debt-free. Free of the debt of feeling unworthy of living a life of wondrous JOY!

Over this past year I completed the writing of my first book and Activate Joy was published. It took precisely eleven months from the first words to the completion of the finished product. However, it also took ten years for me to finally value who I am enough to allow my dream of writing and being published to manifest. During those years I accrued mountains of debt through doubts, second-guessing and worry about my financial commitments. That debt did slow down my progress, but when I deliberately chose to accept that the universe is always offering me abundance and success, I also decided to cooperate with my higher self and just let it happen.

I discovered the secret of taming the survival part of my mind and being truly debt-free: Bless, Don’t Condemn. I discovered that each time I created an emotional debt that financial debt quickly followed. So, to start the process of becoming deliberately debt-free, you start with something that you can control right now, and that is how you feel. Here is how you do that:

As you practice that simple exercise, you are doing great things for yourself because you are entraining your brain into higher consciousness and creating new neuro-pathways so you can be free from old patterns—debt-free!

Now, know that life will show you something to condemn fairly soon. As soon as you find yourself condemning, acknowledge that you are at a choice-point and can choose to bless instead of condemn. If I condemn something I am finding fault, complaining, dismissing, and if I don’t stop those thoughts can escalate into anger and activate fight or flight. Condemning can become obsessive negative thinking creating debt, debt, debt. Condemning is making excuses to continue thinking those negative thoughts. Condemning makes a case that you know what is best for others and want them to do it your way and when they don’t you find more to condemn.

Focus your attention on the idea of debt and the economy for a moment. How many hours or days could you be lost in thinking about something you can do nothing about? Softly look at the projection from your thoughts and emotions to your perception of the world around you. Feel the choice point here. “If I continually align with the frenzy of those outside of me on the subject of debt, I feel powerless, swept away by the tide of fear for survival.”

To become deliberately debt free we choose to deliberately activate the pre-frontal cortex, which is the seat of Joy! Make a choice to control your feelings about the situation. Bless the situation and watch how fast your perception changes. You might say something like, “Now listen to that,  people are really getting worked up. I know they know what they are doing. I can’t do anything about any of this right now so I think I’ll water my plants. I’ll bless the cute little leaves and feel the joy of a bud about to open and show me its bloom. I just love my little plants and feel them loving me back. Everything will be all right. I have lived for a few years now and I notice that things have a way of getting better. It won’t help anything for me to join their drama so I will bless them and know all is well.”

Deliberately Debt Free is a personal choice that leads to the high road of success and delivers joy in everything you do. Take a little time for you and just for one day journal about all the things that make you feel joy. Make it a habit to choose to bless your day the moment you wake up. Pay attention to times when you start to condemn, listen to yourself, feel how it makes you feel. Now deliberately choose a better feeling, choose to bless that which you are condemning and turn your body, your thoughts and your feelings into a blessing.


“If you follow your JOY and go in the direction of your best and highest feelings, you will be debt-free! Choosing JOY changes everything!” From Activate Joy, by Dr. AlixSandra Parness

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