I was thinking about this recently. It’s so easy to say that I work 9-5, thus 8 hours a day but why was I feeling so burnt out all the time!?

That’s when I started adding up all the hours relating to my job.

Commuting for work: 1 hour 45 minutes one way, thus 3 hours and 30 minutes daily

Time at work: 7 hours and 30 minutes (if I eat at desk so no lunch) to 8 hours

Time to unwind from work: at least 1 hour

Time to prepare for work (getting ready, preparing lunch and so on): 45 minutes to 1 hour

Total time spent around my job: 12 hours and 45 minutes to 13 hours and 30 minutes

No wonder I feel so tired all the time! I spent majority of my day going to work, preparing for work and at work!

That brings another interesting question. How much am I really making an hour then? My hourly rate is going to go down quite a bit if I divide by 13+ hours instead of regular 8 hours!

Related posts:

1. Where does your time go?
2. How I spent my time yesterday?
3. How to develop the habit of jogging every morning?

It all goes back to the law of attraction and changing our vibrational state. Like I mentioned in a previous article, in order to change our vibrational state, one way is to put ourself in a different environment. In an environment that is more fitting to the person we want to become.

As an experiment I’ve been meeting different people who’re interested in investing in real estate. I am a real estate sales person as well so I can sell property but investing is a different ball game all together.

Coming from poverty, the idea of investing in real estate scares me as I do not have the money even now to buy an investment property. The fact that I would have to deal with tenants and any problems that might arise from them also discourage me. So, I thought this would be perfect.

There was a real estate investors’ meeting this past weekend which I attended. Every single person there had an investment property besides their principle residence. Every single person seemed to have a lot of money just sitting in the bank. They were talking about using 20%-25% down payment versus using 35% down payment to buy another investment property. An Indian person there with broken english was the star of the evening. Very helpful and one of the most positive people I’ve met. He apparently had recently just bought 60 properties.

I felt very uncomfortable sitting there. All sorts of negative emotions were coming out. I started to feel quite bad and poor sitting amongst them. I felt like there wasn’t much I could contribute to the meeting as well.

But then I reminded myself the reason for me being there. Near the end of the conversation I was feeling a lot more comfortable there.

Another reason I loved being there was because each one of these people had actually stepped outside the box. Where people at my work are totally conditioned to be employees for the rest of their lives, these people had actually realized that it was possible to be financially independent without a job.

Being around people like these could not hurt me in any which way!

So, the trick is: put yourself amongst people who’re where you want to be. Stay there until it starts to feel comfortable to be there. That’s when you know your vibration has changed and that’s when you’ll automatically start to attract things that’ll actually bring you closer to your goal! Easy, right?!

Related posts:

1. Meeting Revenue Canada auditor
2. Debt: How do you feel about debt?
3. Using affirmations

EFT

I tried EFT and that seemed to help a little. I tried it for quite some time and the negativity seemed to go down quite a bit. One way to see if EFT is working is you’ll start to feel like a lot of steam exiting your body. Almost like stress, or negative emotions are separate entities which seem to be exiting your body.

Hmm… sorta like exorcism!

Even after 15-20 minutes of EFT I was still feeling bad. The negative emotions had subsided but it was easy for them to come back so I thought of trying something else.

Self Conversation

This is a process that also has helped me considerably from time to time. It’s just a form of talk to yourself but out loud. You have a conversation with yourself out loud. One side asks questions while the other side answers.

So, I started talking. I asked myself what the issue was and I also answered to myself about the issue. Main problem was that a lot of my friends who I went to school with or even I met afterwards seemed to be doing quite well. They all seemed to be earning good money and are married and well settled and over all happy.

While I was still struggling with debt and how it seemed to be a never ending vicious circle. I earn, I pay debt off a little bit and something happens and debt goes up even more and so on.

Then I reminded myself about the law of attraction. How whatever I focus on comes to me, especially if a lot of emotion is involved. I reminded myself of my vibration and how I was in perfect vibration to attract even more debt and other bad things in my life.

I asked myself what I wanted and it turned out that I wanted to be totally debt free. Then I asked myself what is needed for me to attract that in my life? I answered that I needed to be in a different vibration all together than I was in right now. So, if I really wanted to be out of debt and financially stable and secure, I had to change my current vibration so I could start attracting that in my life.

I talked like this with myself for quite a while but in the end I was feeling much better. I saw the hope and I was out of my gloomy state! I had realized that I was responsible for getting me in this state and I was also responsible for getting myself out.

I also realized that I knew enough about the law of attraction that I definitely could get myself out of this state. Wherever I am is the result of my past thinking/vibrations but what happens in future can be altered by altering the way I think, feel, vibrate right now.

Then I slept peacefully!

Related posts:

1. Debt: How do you feel about debt?
2. Real estate investors’ meeting
3. Self conversation: Talk to your best friend

Now, it’s been quite a few hours and I still feel pretty bad. Whenever I feel bad about money, I feel like I’m really tired, along with the out of breath feeling I mentioned previously. All I want to do then is to go to bed and rest. I do not have any energy then either. It’s one of the worst feelings that I’ve felt and it’s stayed with me no matter what I do to take care of it.

NLP and EFT

I’ve tried NLP and EFT therapy with some successful therapists but nothing helped. These were the people who had actually helped war veterans with post traumatic stress disorder and so on but it didn’t seem to work with me. Actually, it did not even help me 1%. Weird!

But both of these methods have helped me when I’ve used them by myself. I guess because I know myself better so I could change them to fit me.

I’ll talk more about both of these techniques in a later post. So far I feel pretty bad.

I am going to try a few things to make myself feel a little better. I’ll let you know how it goes.

I’ve tried some self-talk but that didn’t seem to work. Let’s see…

Related posts:

1. Debt: How do you feel about debt?
2. Changing my emotional state
3. Therapies for depression

It’s that feeling that’ll show you your current vibration.

Listen to your self talk

When you think about your debt, it’s very important to listen to your self-talk, to your thoughts. What exactly are you thinking about it? Are you thinking stuff like:

I am never going to get out of debt

I am always in debt

More money goes out than comes in

No matter what I do I am always in debt

Or are you totally indifferent to it?

How do you feel?

Now notice how you feel when you think about debt. Again, do you feel indifferent to it? Or do you actually have some negative feelings towards it?

People you hang around with

What kind of people are you hanging around with? What is their financial situation? Has it become normal for you and your friends to sit together and joke about who’s got more debt? Are they sympathizing with your debt? Has any of your friend declared bankruptcy?

My personal feelings towards my debt

As you know, I have not been vibrationally aligned with wealth. I had been in quite a debt already. Recently because of the Revenue Canada audit, looks like I’m going to be in much deeper debt than before.

I was starting to feel ok towards it all. It’s part of my life and I would eventually pay it all off. No worries! My vibration was changing from being in debt to being prosperous.

Totally I met an old friend of mine after a little while. He asked me about my debt situation. So, I told him my whole story of the audit and how I might be in deeper debt than ever before and so on. So, he sympathized with me. Me knowing all that I know about law of attraction, I still kept going more in details because of his sympathies to my story.

We joked about other things after a while and it was all fine until I left. While I was driving home I realized that I was feeling really bad. I used to get this being out of breath feeling, like someone was strangling me, whenever I used to think about lack of money and my debt. I hadn’t gotten that feeling for a long time but it returned today.

I stepped outside my body and sort of looked at me with interest, sort of like an observer to see what was going on. Basically, more I got into details of going in debt and talks about bankruptcy and so on, worse I was feeling underneath!

I didn’t do anything to really change my feeling because I wanted to come home and write about it.

But really, what am I going to do about all this debt? Hmm… something to think about. Something to actually not think of! Gotta change my vibration! Change my focus!

Related posts:

1. Negative Feelings associated with debt
2. Changing my emotional state
3. Are you vibrationally aligned with money?

Law of attraction

There is so much talk about the law of attraction right now that I don’t think I need to really go into detail about what it is. Maybe in a later post I’ll describe it in much more detail.

Basically, like attracts like. What does that mean? It means that whatever your vibration is, that’s what you attract. It does not mean whatever you are thinking about, or feeling, or even visualizing but whatever you are vibrating, that’s what you are attracting.

If you want a new car but you keep hating your current car, you are not going to get a new car. Even if you do get a new car you’ll find someone to dislike in that car as well. Way to get a new car is to totally love and appreciate your current car and then want a new car. Totally appreciating your current car changes your vibration and from that state you can actually attract a new car.

My money vibration

My pattern until now has been this: I don’t have money and I keep sinking deeper and deeper in debt. Now even though I’ve been working for a few years and earning decent income I’m still quite a bit in debt. And whenever it seems like I’m getting some more money coming in my life, something unexpected happens and even more money goes out of my life.

For example, I got a raise recently and now I got hit with taxes. Before, it might have been that all of a sudden my car would break down, or some agency that I owed money in the past, which was wiped off my credit report, would find me.

Experiment in improving my money vibration

I’ve read a lot about keeping $100 in your wallet all the time. So, that’s what I did. Everything was going fine until I ran out of cash in my wallet and I ended up using my $100. I just was never able to keep $100 in my wallet for long. Something would always happen which would cause me to use it.

Then I decided to keep lowering the amount to $50, and eventually to $20. Even with $20 I found that I was unable to keep it in my wallet. I would run out of rest of the cash in my wallet, and then use that $20 thinking I would get some money out of my bank and refill my wallet. But that wouldn’t happen. Often I ended up borrowing money from friends to pay for parking at my work (they accept cash only). Not because I didn’t have money! I had enough in the bank but my wallet would be empty of cash.

Then I recognized my pattern. I was not comfortable with having money. Not only was I more comfortable with spending all my money but I seemed to be going in debt as well (borrowing from friends to pay for parking, even though I’d pay them back the next day). Point is not that I was paying them back next day, nor that I had money in the bank! Point is that my current vibration was of lack and debt.

What does this has to do with my taxes?

As I mentioned earlier, I had recently gotten a raise and before long I got this call from the auditor. I was not surprised afterwards though. Once I had recognized what my current vibration was, it all made sense to me. Everything in my life began to make sense.

I was so thankful to this situation. Even though I’m even deeper in debt now, at least I recognize what’s been happening to me and why!

Related posts:

1. Debt: How do you feel about debt?
2. Changing my emotional state
3. You get what you pay for!

All necessary papers come out

I had brought all the receipts which I had been keeping with me, all nicely organized. I had all my bank statements and whatever else I thought could help with the audit. I presented all of this to the auditor, after formalities were done with.

Audit not random

The auditor went over everything and told me that I had brought the audit onto myself. I had ignored the letters which they had sent me and thus, they had been forced to look into my account in more detail. Hmm… all this while my accountant was just sitting still with his mouth open. He was the one who had actually told me not to worry about those letters! Every time my accountant tried to say something the auditor told him that he was totally incorrect and that was not the way it was.

Final verdict

Finally, end came and auditor told me that including all the late charges etc I owed them about $30,000-$35,000 in payroll only. That did not include GST! But since I was nice and co-operated with him, he had reduced the fines as much as he could and I only owed $7,000 in payroll fines to date. I didn’t know whether to feel good or bad. On top of that since I had used my company account to pay for personal stuff all my corporation income was to be treated as my personal income now. That was bad!! No more writing the car’s lease off either!

Anyhow, things looked quite bad for me and my accountant was no help either.

So, as it stands right now, I owe Revenue Canada quite a bit of money! Adding all that to the debt I’m already in makes for quite a mess. Talk about a challenging situation!

Good-byes

Auditor left while setting another date for all of us to meet in the near future so he would give me a T4 for personal income. And my accountant waved good bye to me while letting me know once again that he would send me the bill for today!

Conclusion

I get the feeling that you do get what you pay for! The accountant totally screwed me up! I had followed his advise from day one and he had assured me nothing would happen to me. How none of his clients had ever gotten audited! He had given me wrong advise as well. I could never ask him any questions either. He always seemed to be in a rush. Now I actually found out that he had a full-time job as well, so accounting was his part-time business.

Actually, he is also a mortgage broker and every time I asked him about accounting advice, he would start asking me to give him mortgages (since I’m also a real estate sales person).

But I also realized how silly it was of me to totally leave everything in his hands. I should have done a little more research about taxes in Canada. I thought he was the professional and I was paying him for his advice. So, I learned a big lesson here. No matter what, one should always know the basics at the very least. It’s not good to rely on someone so completely!

Or get someone decent and experienced. It may cost a little more initially but help tremendously in the long run! To think if I had only hired someone more experienced, he or she might have saved me thousands of dollars that I am going to end up paying in taxes! Ah well… live and learn.

Related posts:

1. You get what you pay for!
2. Debt: How do you feel about debt?
3. Real estate investors’ meeting

Corporation plus personal taxes to file

I have a corporation which I opened up for my computer consulting plus real estate business. On top of that I have to do my real estate (sales person) taxes. All in all it always amounted to quite a bit that I had to pay for an accountant. When this accountant came along (via referral), I was only too eager and so, I signed up.

6 years behind in taxes

I was behind my taxes quite a number of years. Maybe needed around 6 years of taxes filed. I got all of them done successfully and finally. Then I sent referrals to this accountant and I got an even better deal.

Negotiations with Revenue Canada

Everything went smoothly. I negotiated with Revenue Canada for time to pay my taxes in installments instead of one lump sum payments. I have always found people at Revenue Canada to be extremely nice and helpful. Others I know have had different experiences but my experiences with them have always been positive. I asked them to give me time to pay the taxes and they agreed.

Paying off taxes monthly

I set pre-authorized payments to be withdrawn from my different bank accounts for Revenue Canada, for corporation taxes, personal taxes, personal GST, and corporation GST. Everything was going soooooo smoothly, every month money was being taken out and my debt to Revenue Canada was going down!

Letters from Revenue Canada

I started getting letters from Revenue Canada about making my payroll payments. I took it to my accountant who said not to worry about it, and we would set up payroll next year, just ignore it!

He was the professional! So, I just ignored these letters. Which turned out to be not such a wise decision on my part!

Phone call from Revenue Canada

Finally, someone from Revenue Canada called me up and left a message to return his call as soon as possible as this was quite urgent. So, I called him up.

He was quite nice and polite and told me that he was the auditor and he was auditing my corporation’s payroll account. He said that he would like to meet with me and my accountant as soon as possible to discuss this very urgent matter.

If I delayed I could be paying much heftier fine compared to what I was going to pay anyways as late penalties.

Meeting with accountant

Accountant was quite helpful though. I met up with him and he helped me go through all the paper work and my receipts etc. But he kept reminding me how this was going to cost extra since he was doing work outside his normal work. Hmm… anyways. I thought since he was helping me so much I would definitely pay him even if he hadn’t asked. I’ll continue this story in the next post…

Related posts:

1. Meeting Revenue Canada auditor
2. Debt: How do you feel about debt?
3. Are you vibrationally aligned with money?