April 11, 2011 | By: Laurie Campbell

A pocket full of nothing and a head full of bad.

Credit Canada’s new Financial Coaching Series is off to a great start and it’s got me thinking about some of its many aspects. And when I say many, I do mean many. The Coaching Series, which for a reasonable fee can help change peoples’ lives, is the most comprehensive program of its kind anywhere.

Right off the top, it delves into what we call the money “self-saboteur”, which could be any financially beleaguered soul with a pocket full of nothing and a head full of bad attitudes. In this regard, the series takes a quote from Gautama Buddha, who said, “All that we are arises with our thoughts. With our thoughts, we make our world.”

Now, think about that for a moment. If we read the Buddha correctly, in essence what he is saying is that we dream the world while we are awake. Problem is, even though we are conscious, we are sleepwalking. We have not awakened to the fact that we dream the world, thus we are like leaves in the wind, and victims of a fate that we think we cannot control.

Buddha maintains that when we finally come to realize this truth, we are at last free to take control our own destinies.

To this, I already hear the negative voices of the self-saboteur crying out, “What the Buddha says is a bunch of bull. The universe is mostly made up of a cruel, cold vacuum. Ask any astronomer.”

Paradoxically, of course, the self-saboteur is also correct in this thinking. He can be sure the universe is a cruel, cold place because his thoughts are defining it as such, according to the Buddha. As Canadian media guru Marshall McLuhan once said, “I’ll see it when I know it.”

The Financial Coaching Series spells it out in no uncertain terms for negative thinkers who are broke: “If you don’t believe you deserve money, financial peace and prosperity, you will never be able to get it (and keep it.) Your negative thinking will have to change.”

At Credit Canada, we’ve found among clients that a good way to get started on the road to change is to start examining your own habitual thought patterns. It’s not a matter of fighting the negative thoughts, it’s just a matter of keeping a look out for them, because initially they seem to arise out of their own free will.

Ironically, beating yourself up for having a negative thought only compounds the problem of negative thinking. To a lesser or greater degree, all human beings are in the same boat here, so don’t be too hard on yourself.

Say you’re going about your day and you suddenly discover that the balance on your credit card is not what you thought it was. You’ve offered to cover the cost of lunch with a friend, and now the waiter has returned with your credit card to say that the transaction wouldn’t go through. Your friend, being gracious, takes care of the matter by covering the tab. But meanwhile, you are left feeling embarrassed – even humiliated.

At this point, a thought pops into your head. “I’m an idiot,” you tell yourself.

Right then and there, simply take note of the thought pattern, respect that it is a part of you, then tell yourself that it’s time to let the pattern go because there is another part of you that’s just a true. You are smart, and fully capable of keeping track of your credit card balance.

I’m sorry to have to inform all you broke self-saboteurs out there who are living negatively in your heads, but that’s the simple and obvious way to start on the road to change. And once you make positive thinking a habit, you may be surprised about by how quickly the change occurs.

May the Buddha be with you.


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