Canakya Pandit Take immediate Action for: Fire Debt Disease. (They get worse by neglect!)
Ethics 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. .
1. Catches up to you 2. 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. , Easier to get into than out of
Emotional Toll Feeling Isolated Social Life Helpless, not in Control Anxiety Sleeplessness
"Truth in lending is nonexistent in creditcard 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 % more Delay 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 character Children will follow suit Gratitude 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
5. Extravagant Spending, luxuries 98. 6 Normal Body Temperature
6. Get Rich Quick foolish, foolhardy, rash, reckless, madcap, wild, ridiculous, halfbaked, ill-thought-out, illconceived, crackpot, FEVERISH
• 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. New Kusum Sarovar
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 $ 343, 000 To To Krishna 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
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