Living a Debt Free Life

A Guide to Financial Freedom & Wealth

By Raymond Day

Introduction

Have you ever wondered why the rich get richer and the poor remain

poor? Is there some secret that the rich know that the average man in

the street doesn’t? Is there a way for the average man to become rich

without inheriting money? Can you become rich?

The answer to all these questions is simple yet very powerful. Become

debt free and all the money you make can be used for investments that

make money for you. How can you become debt free on the salary you

are making now? That is what this book is all about. I will guide you

through the steps to becoming debt free and show you a way once you

are debt free to take all your extra money and use it to make more

money for you, just like the rich do.

In this book you will learn how to become debt free and pay off all your

debts to include your outstanding credit cards, car payments, mortgage

payments and any other outstanding debts you may have. Once this is

accomplished, I will show you how to take all that extra money and

create a financial plan that will make money for you whether or not you

decide to continue working. In fact, this plan will show you how to retire

early and live off the earnings of your investments.

This book will also teach you how to make all your dreams come true.

You can reach your full potential once you have achieved the life of

your dreams. This book will help you to achieve that life. The only thing

that I ask of you is to follow the directions in this book to the letter.

They have worked for countless other people and they will work for

you. The directions in this book are based on universal principals that

work for everyone no matter what their situation may be.

So without further ado, let’s get started.

Chapter 1

Our Credit Based Society

Our society is based on a model that can’t succeed. It’s a credit based

society. We are told from birth that the American Dream is to own your

own home, drive a brand new car and live like there’s no tomorrow.

We’re taught how to achieve that dream by borrowing the money to

achieve it.

What happens when we do that? We become slaves to our creditors. We

work just to pay them off and we can never catch up because our society

is designed to keep us slaves to the creditors. Take a typical 30 year

fixed rate mortgage for example. Let’s say you borrow $ 150,000.00 and

take out a 30 year fixed rate mortgage on that amount. If you take 30

years to pay that mortgage off and your monthly mortgage payment is

$ 1200.00. You will have paid a total amount of $ 432,000.00 to the

lending company. It will cost you $ 282,000.00 for that $ 150,000.00

loan. You will have paid more that double the cost of your house had

you paid cash for it.

This same rule applies to everything that you purchase on credit. It cost

you more to purchase goods on credit than it would cost you if you

purchased the goods with cash. So how do you free yourself from the

grip of the creditors? Let me show you the way.

The first thing you must do is to take stock of all your creditors. That is

to list all your creditors and the total amount that you owe each one of

them. Leave no one out. As far as creditors go, we do not mean the

telephone company, the cable company, the electric company and the

gas company if you use one. These are fixed bills and they will not go

away for as long as you live. You can get rid of cable but your TV

reception will be lousy.

On this list you should include your mortgage company, if you have one.

If you lease or have purchased your car on credit, include the lease

holder or the credit provider on your car. All of your credit cards

including the ones from stores such as Macy’s, JC Penny’s, Home

Depot, Lowe’s, Circuit City, Best Buy and any other store card that you

might have. Leave no one out on this list. It doesn’t matter which order

you list them in, just list them and the total amount that you owe on

each bill. List the credit provider in the first column and the total

amount that you owe them in the second column. In the third column

list the amount of the monthly payment that you send to each one of

them. In the fourth column, take the first column and divide that by the

third column. That’s how many months it will take you to pay off each

bill paying just the minimum monthly fee. In the fifth column, list each

bill in the order such as the bill that you can pay off first would be

number one based upon the fourth column. When you get the bill that

can be paid off first based upon the information in the fifth column,

that’s the bill that you will eliminate first.

Example 1

List of Debts

Column 1                                           Column 2             Column 3        Column 4         Column 5        Column 6

Macy’s 500.00                                 25.00                      20                     6

Circuit City 300.00                          25.00                      12                     3

Staples 1100.00                             50.00                       22                     7

Home Depot 300.00                       50.00                        6                      1

Office Depot 600.00                        60.00                     10                      2

Toyota Fin. 12,000.00                  314.00                      38                      8

Countrywide 149,000.00            1229.00                   121                     9

Visa 800.00                                        60.00                      13                      4

Mastercard 1100.00                        60.00                      18                      5

How will you eliminate that bill you ask? That will be covered in the

next chapter.

Chapter 2

Eliminating Debt

The first step in eliminating debt is not to make any new debts. In order

to do this you must destroy all of your credit cards. This may sound like

a radical move, but it’s the only way that this program will work for

you. You see, credit is just like drugs. Once you get hooked on credit it’s

hard to stop. Most credit card purchases are made on impulse buying.

You don’t really need the item you have just purchased but the

advertisers and the merchants have made that item look so enticing that

it’s hard to resist. Most of these items that you purchase wind up in the

closet. Used once and forgotten.

The next step is to take stock of where you spend your money. For a

week or two, write down in a journal everything you spend money on.

No matter how small or large the purchase, write it down. This is to

include all the outside lunches you purchase, all the things you buy at

the grocery store, all the payments that you make for utilities and other

bills and any other item you may purchase. Then I want you to analyze

this list and see what items you can do without. Perhaps it’s one of the

many lunches you may have outside your home during the week. It

could be that extra pair of pants you really don’t need. It could be any

item that’s not of importance to you immediately. In other words,

you’re looking to find those items that you purchase on impulse. You

can use the cost of those items to help you pay down your debts. Then I

want you to take that extra money and use it to pay off the smallest debt

on your list. It may take you a month or two to eliminate the smallest

debt, but it will be the easiest one for you to work on first.

After that first bill is paid off, you will have the extra money that you

used to pay the monthly payment on that bill added to the amount of

extra money that you found on all those things that you didn’t need the

previous month. You then use this money to start working on the second

smallest bill. This should take a few months also. You continue this way,

using the extra money that you’ve found by eliminating the things you

really didn’t need in the first place added on to the amount of money

you would have used to pay on each bill that you’ve eliminated and

eventually you will have eliminated all your debts in short order. The

key here is not to make any new bills. As you gradually erase one bill

after another, you’re working towards a debt free life.

If you look at Example 1, the list of debts in chapter 2, you will find that

I left column 6 blank. The secret to Living a Debt Free Life lies in

column 6. Let’s say for example that you found an extra $200.00 per

month that you used to use on those things that you really don’t need.

You will use that $ 200.00 plus what you would normally pay each

month to eliminate your smallest debt. In Example 1 that would be

$ 250.00 that you would be paying towards your Home Depot bill of

$ 300.00. It would take only 1 month and a few days to pay off this bill

as opposed to the six months it would have taken you to pay this bill off

normally. You would enter 1.2 in column 6. After this bill is eliminated,

you would take the $ 200.00 extra you found and add it to the $ 50.00

that you would normally pay on your Home Depot bill and add this

amount of $ 250.00 to work on paying off bill number 2 which in

Example 1 would be Office Depot. You now have $ 310.00 per month

that you could use to pay off your second highest debt. If you take the

$ 600.00 that you owe on Office Depot and divide it by $ 310.00 it would

only take you 1.9 months to pay that bill off instead of ten months

normally. You place 1.9 in Column 6. You keep doing this for all the

bills you owe, adding the extra money that you found by not purchasing

those items you don’t need with what you would normally pay on each

account and the payment of each eliminated account and you will come

up with the number of months or years it will take you to eliminate all

your bills. That figure can be obtained by adding up all the months in

Column 6. I call it the magic of Column 6.

My goal here is for you to create your own list of debts just like the one

in Example 1. Find out how much you owe each creditor, what your

monthly payment is and which creditor you can eliminate first. Once

you get the hang of it, you will find that the rest of this program comes

easy. Congratulate yourself on each creditor that you’ve eliminated.

You’re no longer a slave to them.

Chapter 3

Building Your Financial Future

Using the debt elimination plan as outlined in chapter 2, you will be

ahead of 95% of the American people. Most of America is in debt. To

live debt free is the key to wealth. Wealthy people don’t have debt. They

create wealth by using the money they have to make more money for

themselves. When you’ve eliminated your mortgage payment and you

have all the money you used to use for paying bills available to you, you

can start building wealth. You’ve already started to build wealth by

becoming the owner of your own home. By owner, I mean owner. You

no longer have a mortgage. The bank is no longer your partner. You

own your home outright. Whatever your home may be worth, that’s

part of your financial statement or wealth. It’s truly what you’re worth

now. The goal here is to make you financially independent so you can

retire early and enjoy life without having to worry about where your

next paycheck is going to come from. Your investments will make

enough money for you to keep you afloat and comfortable. You will be

truly wealthy.

Using Example 1 as an example, you will have $ 2073.00 available to you

to invest each month. This is after you’ve finished paying off your

mortgage. You simply add the $ 200.00 extra dollars that you found by

eliminating spending on those items that you really don’t need each

month and adding that figure onto what you would have paid all your

creditors had you not paid them off using this method. The figure you’ll

come up with in Example 1 is $ 2073.00. That’s the amount of money

you can start to use to build your retirement nest egg. How and where

should you invest? This chapter will give you several options.

The first thing you will want to do is to build an emergency fund just in

case you lose your job. This fund should consist of at least six months of

income. For example, let’s say you make $ 3000.00 per month. You

would need an emergency fund of $ 18,000.00 to cover six months

income. You will take your available $ 2073.00 and put it into a money

market fund or a CD until you’ve saved up $ 18,000.00. This fund you

won’t touch unless an emergency arises. While that money is sitting

there it will be gathering interest. You’re still building wealth.

After you’ve built up your emergency fund, you will look for other

vehicles to invest in. Get familiar with the basic building blocks of

investing, stocks, bonds and mutual funds, three of the most popular

methods of investing. These three types of investments are perfect for

the beginning investor.

Stocks are the most common way to begin building your financial

future. A stock is a piece of equity or a piece of ownership in a

corporation. Each unit of stock is called a share and each share is worth

a certain amount of money, or market value. The market value is

determined by how attractive the share is to the general public and

investment professionals and how much they’re willing to pay for it.

Stocks are commonly traded on the various different exchanges and can

be tracked rather easily.

Bonds are loans that are provided to companies or municipalities for a

specified period of time. When you buy a bond, the money you pay is

your principal investment. The bond issuer then agrees to pay you

interest on that principal. On the maturity date of the bond, your

principal is returned. The further out the maturity date, the higher the

interest rate you will be paid during the term of the bond.

If you’re still a bit apprehensive about stocks or bonds, you may want to

consider a mix of the two or mutual funds. A mutual fund allows a

group of investors to combine their cash and invest it in various

different stocks, bonds or other investments. Those funds are called the

funds assets. The fund manager generally buys stocks, bonds or a

combination of the two. These are defined as the funds holdings. All of

the holdings together are referred to as the fund portfolio.

I recommend that you purchase mutual fund shares. With a mutual

fund, rather than owning a single stock or bond, your dollars are

invested in a large number of companies all at once, and thus your

investment risk is spread out over many stocks or bonds. If any one

companies stock should go down, the remaining stocks would hold their

ground and you would not be subject to huge losses. The S & P 500

Fund issued by Vanguard is an excellent choice to start with.

Instead of working for your money, let your money work for you.

Chapter 4

Alternative Investments

There are a couple of investments that have consistently showed gains

far outstripping the stock market. I call these investments, alternative

investments because you want to get solidly invested in stocks, bonds or

real estate before you take these investments on. Knowledge in the field

of investments that I’m about to talk with you about is a must.

Rare coins have outstripped any other investment that you can name.

The main reason for this is that what you will be investing in is rare just

like the name implies. They don’t make these coins anymore so that’s

why they’re rare.

Of primary interest is the Morgan Silver Dollar. These coins were

primarily minted in the 1800’s. Investment grade coins consist of MS-63

or better and they’re certified by the American Numismatic Society or

any of the other highly recognized certification companies. They’ve

appreciated 20% or more per year consistently.

When you invest in rare coins, it’s for the long run. You can use them as

a sort of retirement fund or you can save them for your grand kids. Not

only are they a good investment but they also give you pleasure to look

at. They hold their value like no other investment except gold and silver.

Speaking of gold and silver, every investment portfolio should consist of

at least a 10% holding of either gold or silver bullion. Gold or silver

bullion can be readily converted to cash in a moments notice, just in

case you need it.

Before you invest in either gold or silver coins or gold and silver bullion,

learn all you can about investing in them. There are many books on the

subject that you can get from your local library. You can also become a

member of the American Numismatic Association for a modest fee.

Chapter 5

Real Estate

One of the primary ways to build wealth is through investing in real

estate. This can be done in several different ways. The primary way is

through the ownership of your own home. To give you an example of

just how much real estate has appreciated over the years. I will tell you

about my first house.

I purchased my first home in 1973 for $ 30,000.00. This was in a prime

market in Long Island New York. A few years ago, that same home sold

for over $ 150,000.00. That’s a 500% increase. Today that home is

worth even more money. There’s one thing for sure, the price of homes

is not going to go down anytime soon. There’s only a limited amount of

real estate on this earth and the demand for this real estate is growing

everyday. You can expect this trend to continue for many years to come.

If you don’t own your own home currently, and you’re looking to

purchase one, you can use the Living a Debt Free Life plan to

accumulate the down payment on one. Then you can use the same plan

to pay that house off in record breaking time. Once it’s paid for and

you’re the owner of your own home, then you can look into investing in

other forms of real estate.

The question you should ask yourself at this point is whether or not you

want to become a landlord. That is, do you want to purchase real estate

properties then rent those properties out and become a landlord with all

the inherent problems that a landlord must face? Those problems

consist of always being available for your tenants; fixing any problems

that might occur; maintaining the property and collecting rent.

If being a landlord is not your thing, then you should look into

purchasing properties that you can turn over for a profit. Those

properties consist of fixer uppers; foreclosed homes; new home

development and commercial real estate.

As with any other investment, homework must be done before you get

involved.

Chapter 6

Owning Your Own Business

Owning your own business can be one of the most rewarding and

fulfilling things that you can ever do in your life. If you’ve always

dreamed of owning your own business, here’s the how and why you

should consider this investment option.

When you started the Living a Debt Free Life plan, you probably

worked for a living like most American people do. They go to their jobs

everyday and work from nine to five and bring how a paycheck that

barely pays all the bills. At the end of the month they’re left with little

or nothing because of the way society is built today. It’s hard to get

ahead. However, by using the Living a Debt Free Life plan, you’re able

to break free from the rat race and see light at the end of the tunnel.

You can and should use the money that you’re going to accumulate by

using the plan to invest in those things that will make money for you.

One of those things is your own business. The shape and form of that

business depends on you.

Everyone has a special talent. When you use your god given talent to the

best of your ability, not only will you feel better but you will have

accomplished your life’s purpose. What is your life’s purpose? Why

were you put here on this earth at this time and place? What is your

special talent? To help you discover what your special talent is, I want

you to read my mini book called Xellon. It’s a fictional story about a

man who goes to another planet. The story is timeless and it’s about

discovering who you are and what your purpose in life is. Once you

finish this story, I will tell you how to use your own particular talent to

make money for you.

$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$

Xellon

A Voyage of Discovery

By Raymond Day

The year was 2210 and the people of planet earth had long since

discovered how easy space travel was. I was booked on the next flight to

a new planet that was recently discovered in the year 2205. Not many

people had been there but the story was that it was one of the more

exciting planets to be discovered in years. It was not that far away from

our galaxy and one could get there by shuttle flight within a month or

two depending on which shuttle you took.

I was looking to explore the planet and its inhabitants and come back to

earth and write a story for the newspaper that I worked for call the

Daily Chronicle. They were looking for a story that only direct contact

with the inhabitants of the planet could render possible. You see, the

inhabitants of Xellon had a special power that the people on earth had

long since forgotten they had. They were able to create anything they

wanted by just thinking of it. There were no factories there and there

were new innovations being thought of everyday. No one there really

had to work. My mission was to unravel their secret to this power and

report back to earth with my results so that they could be analyzed.

My flight was boarding at 12:00 PM and I had a little time left before

we took off. The other passengers were just as excited as I was to be

going to another planet, one they had never been to before. They ranged

in age from 12 to 60 because there was an age restriction on flights to

this planet. It had something to do with the length of the flight. I was 57

at the time and had just come in under the wire as far as the age

restrictions go. We all wanted to know what it would be like on Xellon.

We boarded the flight at 12:00 PM and it took off promptly. We went

into hyper drive within an hour and we were on our way to Xellon. We

would have to spend quite a lot of time in the cabin of this spaceship and

it was designed with our comfort in mind. It had all the amenities. I’m

glad that the paper was picking up the tab for this flight. The cost was

$ 2,000,000.00 round trip and I surely didn’t have that kind of money.

My salary at the paper was only $ 1,000,000.00 per year and I had a

wife and children to feed. $ 1,000,000.00 didn’t go far in this day and

age.

I settled into a routine on the flight there. I would awaken early in the

morning and do exercise, then take a shower, eat breakfast, watch the

news from earth on the TV and then write in my journal until lunch

time. After lunch, I would talk with the other passengers to get a feel

about what they were thinking and then I would retire to my room and

meditate for a half hour, then came dinner. I would fall asleep around

10:00 PM every evening.

We were lucky. The flight we were booked on was an express shuttle to

Xellon. It would take only a month to get there. That month went by

rather quickly and we were approaching the planet rapidly. As we got

closer to Xellon, we could make out the peculiar color of the planet. It

was violet. Sort of like the color of the sun setting as seen through violet

sunglasses. The closer we got the more violet it looked. Even the surface

of the planet was richly hued. It had every color in the rainbow on it. It

was magnificent.

The landing gear was down and the approach to the surface of Xellon

was imminent. We would be landing in ten minutes. As I looked out the

window upon the multi colored surface of Xellon, the excitement I felt

started to mount. What would the people of Xellon be like? Could they

talk English? How would I communicate what I wanted from them to

them? Would they let me write a story about them? Would that story be

interesting enough for the viewers of the Daily Chronicle to read?

Would I win the Pulitzer Prize for my story? I would find out the

answer to all these questions shortly.

My description of the planet thus far was from a distance. Upon

landing, my view of the planet was radically changed. It was beyond

description. There was nothing on earth to compare this planet with.

The beauty of it was beyond description. The beauty of its people was

also beyond description. Everyone upon the planet Xellon was beautiful.

Their skin color had a greenish tinge to it and everyone there looked to

be no more than thirty years old. They all looked pretty much like we

do but they had none of the imperfections that the people on earth had.

There was no disease on Xellon. It didn’t exist.

Our ground transportation from the docking terminal to our hotel room

was not ground transportation at all. We were whisked away in a

vehicle that seemed to float four or five inches above the ground. It was

propelled by a system that we had yet to discover on earth. It was fully

automatic and never required any assistance from anyone. All you had

to do was speak your destination into the universal translator and it

would take you to your destination, our destination being the Xellon

Hilton. Commercialization of this planet couldn’t be far behind.

Once I settled into my hotel room, I was introduced to the Xellon who

would be my guide and mentor on this planet. She was beautiful beyond

words. How did we communicate? All I can tell you is that there were

no spoken words. It all happened mentally. Whatever I was thinking

about to ask her was instantly transmitted to her. Somehow I was also

able to hear what she was thinking. I wanted to know how this was

possible since I had never been trained in this sort of communication. I

would find the answer to this question and everything else that I wanted

to know shortly.

Chapter 2

Universal Communication

My guide, on this journey to discover the secrets of Xellon, was called

Hela. Her name was handed down to her from her ancestors who

inhabited Xellon over 10,000 years ago. The life expectancy on Xellon

was over 500 earth years and upon passing away, the body went into

what the Xellonites call Transition. No one actually died. They were

transformed from one form to another. In fact, the purest form of life

on Xellon had no form at all. This transition phase had something to do

with the violet color of the atmosphere. It was said to contribute to

everything and everyone on the planet.

Hela was 300 years old and looked no older than thirty. She had many

children but all of her children were at least 100 years old. They were

considered to be young adults by then. We took one of the

transportation vehicles to a small rural setting outside of the main town

of Ilos. It was about 400 miles away. We got there in less than an hour.

There I would learn about the inhabitants of Xellon and how they lived.

The first thing I wanted to know, from Hela, was how we were able to

communicate. She had never spoken English before and I had no clue as

to what their language was about.

Hela explained the way we were communicating as follows. In the entire

Universe, was their an unspoken language that everyone knew? Of

course there was. We called it intuition. The Xellonites took intuition

one step further. They used it to communicate to one another and to

communicate with anyone else that they came in contact with. This

feeling or intuition could be used to do all sorts of things. If you knew

how to use it, you could both send and receive messages to another

person, even someone that didn’t know how to use it himself. I would

learn later on how to use this secret to acquire what I wanted out of life

but for now, I learned how to communicate with the Xellonites.

It was really quite easy once you got the hang of it. Since I already knew

how to meditate, I was halfway there. You just had to take meditation

one step further. All anyone had to do is get into a meditative state, and

then project your thoughts and feelings to whoever you wanted to. This

projection was pretty automatic once you got the hang of it. They would

pick up on your thoughts and feelings then they would send their

thoughts and feelings back to you. It was much more efficient than

talking because communication was almost instantaneous. Nothing was

ever left out and you knew exactly how the other person felt. In fact, it

was impossible to hide your true feelings. It was like mind reading only

better.

I communicated with Hela for hours in this fashion. She told me that

everyone on her planet was a vegetarian. They only ate what they could

grow and harvest. There was an overabundance of plant life on the

planet and no one ever went hungry. The Xellonites only ate once a day.

Their one meal consisted of a variety of plants and vegetables and was

consumed in the early afternoon. They all drank the juice of this one

plant that tasted surprisingly like orange juice. In fact, it was the same

color as orange juice only tastier. I had grown to love this juice in just

one day.

As I mentioned earlier, no one on Xellon really had to work. Everyone

had an assigned task to do and that task was voluntary. It depended on

how one felt on the day that the task was assigned. One day you might

be asked to harvest the plants for next months food allotment or you

might be asked to be transport supervisor for a day. Since all knowledge

on Xellon was universal, that is everyone knew everything about any

subject you can imagine, each task was relatively easy to complete. In

the lifespan of the Xellonites, each one had done every task. Nothing was

a mystery.

As far as food preparation went, it was all natural, never cooked. They

had beverages such as tea and coffee but again, the consumption of

those beverages was up to the individual. It depended on what state of

mind you wanted to be in.

The day was drawing to a close and Hela took me back to my hotel

room so I could get some rest and record my findings for the day in my

journal. I had a lot to think about and I wanted to be refreshed for my

next excursion tomorrow.

Chapter 3

Spiritual Law

I had traveled to another galaxy to report on the people of Xellon and

their culture. Their culture was similar to ours in that they believed in a

higher power than themselves. This power governed their every

movement and thought. They found a way to tap into this power and

use it for their greater good. They had certain Spiritual Laws that were

strictly adhered to and followed. I asked Hela about those laws on our

next excursion out. Here’s what she had to tell me.

There was only one power in the Universe. We called that power God.

They called that power Om. Through Om, everything could be

accomplished. They had a direct link to Om. Om had given them certain

laws to follow and as long as those laws were followed the Xellonites

would live in harmony. Here are the laws laid down by Om.

1. There is only one power and that power is Om.

2. Meditation is the way to access that power.

3. Visualization while in mediation can transform what you visualize

into reality.

4. Think only good and pure thoughts and only good will be

manifested.

5. Hold no thought in your mind about want, lack or envy. They will

destroy the good you seek.

6. Think only healthy thoughts and you will be healthy. There will

be no disease.

7. Eat only what you can grow.

8. Never destroy life.

9. Life is everlasting.

These were the laws laid down by Om and everyone on the planet

believed in these laws. These laws cover everything that means anything

to the people of Xellon. They all lived by these laws. Even though these

laws looked simple on the surface, they were very powerful laws when

applied to the Xellonites. In fact, if these laws were applied to the people

of Earth, how different our life would be. I would immediately apply

these laws to myself and see what effects they would have.

Chapter 4

The Test

I’ve been on Xellon now for about a week. Time goes by here quickly. In

fact, time goes by quickly everywhere. There is no moment of time

where time stands still. It is always in constant movement. You cannot

stop time and you cannot reverse time. It’s another constant that cannot

be changed.

It was now time for me to put to the test what I had learned. The test

was a simple one just like the laws were. I would go through each law

and apply it to my life and the surroundings that I might find myself in

to see if these laws really worked. To prove a theory you have to put it

to a test. Once proven, then these laws would be immutable.

On earth there are many religions. According to whichever religion you

believe in, you would practice that religion according to the laws of that

particular religion. Even though there are many various religions on

earth, they all have one underlying premise. That premise being that

there is a supreme being that created the laws that govern religion and

that being is all powerful. Thus the proof of law number one is at hand.

There is only one power and that power is OM.

To prove the second law, I would set aside time everyday to meditate

and get in contact with the higher power and see where that meditation

leads me. First I would choose a quiet place to do my meditation. One

where there would be no distractions such as television, radios, outside

noise, voices or other things that would tend to distract. I would sit in a

comfortable position and then concentrate on my breathing. This would

give my meditation focus. I would focus on my breathe going in and out

and watch my thoughts as they would go flying by. Eventually, the

watching of my breathe going in and out would have a calming effect on

my mind. Thoughts would start to go by slower and eventually all

thought would disappear. I would reach a state of total calm and once in

this state, everything in life and about life became crystal clear.

This thoughtless state where the only sound in your mind and thoughts

are your breath is where you can directly come in contact with that

higher being that controls everything in everyone’s life. It’s not your

day to day activity that counts in life. It’s how you program your

unconscious mind. It’s your unconscious mind that controls what you

do and what outcomes manifest in your life. To prove this theory, while

in my meditative state, I would program my mind to write another

chapter in my book and that chapter would flow from my fingers like

water. I didn’t have to worry about the outcome. Since I programmed

my mind to believe that my book would become successful, that is what

it will become. Once this book is successful, I will have proven the

second law. Meditation is the way to access the power of the OM and

once that power is accessed, you can use it to manifest and create

whatever it is you want out of life, as long as it doesn’t conflict with the

other laws.

Once proven, these laws are immutable.

Chapter 5

What You Think

As voiced in the last chapter of this book, meditation is the key to

accessing that higher power that controls everything that manifests in

your life. Visualization while in meditation can transform what you

visualize into reality. If you constantly think about all that’s bad in your

life and you don’t focus on the good, then only bad things will manifest

in you life. If however, you think about how good life is and all that you

have and can have in life, then only good things will manifest in your

life. You can transform your life into whatever it is you hold uppermost

in your mind. This is how all things were invented and how life itself

progresses. Without a clear vision of where you want to go in life, your

trip in life will become just like a ship without a ruder. You will have no

clear cut direction to sail trough life’s storms. You will be blown

wherever life feels like taking you. Unless you take control and steer

your life in the direction that you want it to go, how can you expect any

other outcome but confusion.

The third test in my series of tests is to take a subject that is dear to me

and manifest that desire into reality. Just like space flight my mind

must take wings and fly wherever I want it to go.

I’ve always wanted to teach others what I have learned about

manifestation and how the mind works to create what you really want

in life. My goal then is to transform this story into a lesson for all to

learn from. At the end of the story, I want everyone who reads it to

come away with a clear understanding of how to make their life a thing

of beauty and wonderment. How to create whatever it is they may want

to manifest in their lives.

Let’s take money for instance. Everyone needs and wants to have

enough money to purchase or buy whatever it is they want. Not

everyone has that amount of money. How do you get it? How can you

make it a reality for yourself? How?

Start off by reaching a meditative state. Once there, imagine how your

life would be changed if you had all the money you could ask for. What

things would you have in your life? Actually visualize those things and

your life the way it would be if you didn’t have to worry about money.

See and feel how happy you would be. See and feel where you would live

and how you would live. Don’t leave out any detail. Hold this picture in

your minds eye until you can actually feel the emotion that this feeling

will bring.

Do this everyday and what you want cannot fail to materialize in your

life. It must come about. This is the law of manifestation.

Chapter 6

Think Healthy Thoughts

On Xellon, as I explained earlier, there is no disease. No one gets sick so

they don’t have a need for doctors. Medicines don’t exist there. What’s

their secret? How can you benefit from what they know? How can you

conquer disease and sickness in your life? Think only healthy thoughts.

Our bodies are made up of the same substance that permeates the

universe. That substance cannot be destroyed. That substance has no

disease. It is only when the mind and the body are out of sync that we

experience disease or sickness. If your mind and body are in sync with

one another, there can be no sickness.

If you get the proper sleep and rest and if you exercise your body and

your mind on a regular basis, your body and mind will be in sync with

each other. What constitutes proper rest? Enough sleep, six to eight

hours, per night so your body can awaken refreshed. What constitutes

proper exercise? A total body workout, such as Yoga or Aerobics, at

least thirty minutes a day, that’s done five days a week.

Meditation is what puts your body and mind into perfect harmony. If

you meditate every day for at least ten minutes a day, and think only

healthy thoughts, you will never be sick. What are healthy thoughts?

Thoughts about how you want your body to look and feel. Think about

vibrant health. Think about the body you have dreamed of. No fat. No

disease. Perfectly molded to the shape you want. Keep these thoughts in

mind and you will achieve that perfect body you have dreamed of

having. One that never gets sick.

Chapter 7

Write It Down

Like everyone else, my mind tends to forget things that are important to

me. It’s not that I forget, it’s that I cannot focus on those things all the

time. There are too many distractions that occur in my day to day life.

How can you focus on what’s important to you and not get distracted by

things that are not? Write down those things that are important to you

and read what you have written down several times a day. One you find

yourself getting out of focus and drifting wherever life takes you, look at

what you have written down and it will bring you back into focus. Let

me give you a few examples.

Let’s say one of your most precious desires was to purchase that new

house that you’ve always wanted. You don’t have the money now to

purchase it but you know in your heart that you want it. It’s been

uppermost in your mind for a long time now. To manifest this house

and bring it into being in your life, you would go into meditation and

focus on how you want your house to look and feel. Once out of

meditation, you would have a written statement of how your house

would look and feel. You would even have a picture of a house similar to

yours to look at along with your statement. You would review your

statement and the picture everyday until your house became a reality.

If you follow the above step and apply it to whatever it is you may desire

in your life, it will come to past. This is one of the most powerful steps

that you can ever take. It makes your meditation and focus even more

powerful. You can use this step to create whatever it is you want.

If you want an million dollars, write it down. Say you want to be a

millionaire in writing and repeat what you have written to yourself

several times a day. Keep what you have written in a prominent place

where you can see it always. This step works for everyone. Believe it and

it will become part of your daily routine that you look forward to doing

everyday.

Chapter 8

Help Yourself by Helping Others

Once you have achieved almost everything that you desire in life by

following the directions set out in this book, help others to become as

aware as you are. Imagine a world where no one gets sick. Imagine a

world where there is no disease. Imagine a world where everyone is

happy. Imagine a world just like Xellon. It’s possible to attain. All you

have to do is to help others become just like you. Once they have

learned the things that you have and they apply them to their own lives,

this will change the world you live in.

There was a great man that lived over two thousand years ago. He

taught the world a way to live but the world soon forgot his teachings.

They didn’t actually forget. They just never applied those teachings to

themselves. Since they forgot how to apply those teachings to

themselves, countless wars broke out. Sickness was rampant throughout

the world. No one had a clear path to follow except a countless few. Who

was that man? Jesus Christ. He taught the world a better way to live,

yet few followed his teachings. They forgot the most important parts.

At the beginning of this book, I told you that the earth had long since

forgotten the power that the Xellonites took for granted. It’s the same

power that Jesus Christ taught us how to use. We forgot how to use it

but they have applied it to their lives and the results of that application

is evident in everything that they do. The greatest gift that we can give

to another person is the gift of knowledge. If we spread the knowledge

that is outlined in this book, the world will change one person at a time.

It has to since these laws are immutable and work for everyone

everywhere.

$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$

What business is right for you? What structure should your business

have? Should it be a single owner proprietorship or should it be a

corporation? What should I sell?

As stated before, everyone knows what they are good at. If you work

doing what you like to do, your work will be like not working at all. It

will be a joy to you everyday. Chose what you’re good at and create a

business around that. What form should your business have?

If it’s only going to be you, then you should start a single owner

proprietorship. You can set your own hours and work when you feel

like it. However, if you’re going to have employees, a corporation is the

way to go. There are many source references that you can use to find

out how to form a corporation in your state or you can go to

MyCorporation.com to get all the information that you need. If you do

form a corporation with them, tell them I referred you to them.

If you want to get your feet wet first, try an affiliate program. Affiliate

programs let you sell other peoples products and make a commission off

of the sale. In fact, you can make $ 10.00 for everyone you refer to me

that purchases my book. Just send me the name and address of that

person or their e-mail address. Since the sale of this book is made

mostly online, their e-mail address is more appropriate. You can e-mail

me at

income and see if you have what it takes to own and operate your own

business.

Chapter 7

What You Focus on Expands

In this book, I have shown you a way to conquer your debts and start to

live a debt free life. Now it’s up to you to imagine what that life will look

like. Everyone’s wants and needs are different. The lifestyle that suits

me may or may not be the lifestyle that suits you. You may want to

travel the world. You may want to live in an RV and travel across

America. You may want a summer home and a winter home. You may

want to work until you can’t work no more or you may want to retire

early and live off your investments. Only you know for sure.

Take some time out now and imagine the lifestyle that you want to live.

Actually see it in your minds eye. Imagine it as if it were true right now.

Do this everyday and eventually it will be true. What your mind focuses

on expands.

Please tell your friends and neighbors about this book. Send them to me

and let them experience the freedom of Living A Debt Free Life.

Raymond Day

President

Nu-Day Technology Corp.

http://www.nudaytechnology.com

Extra Bonus

21 Secrets of Self Made Millionaires

1.

Create a clear mental picture of where you want to go in life.

What one thing would you dream if you could not fail?

2.

goals. Make a list and review that list often. Which goal would

make the most positive impact on your life? Think about that goal

everyday and take the steps necessary to make that goal a reality.

3.

You are responsible for where you are now. You are always

self employed. Consciously move your life in the direction

you want it to go.

4.

Find out what you have a talent for and do that thing well.

Dedicate yourself to doing what you love to do and you will

love your work.

5.

than you. Your life only gets better when you get better. What one

skill will have the greatest positive impact on your life?

6.

Work all the time you work. Don’t waste time. Resolve to be

the hardest working person.

7.

you can imagine. The more you learn the more you can learn.

Continuous learning is the key to wealth in your field. Listen

to audio tapes. It’s the key to learning anything.

8.

save $ 100.00 per month, you can become a millionaire over the

course of your lifetime. Practice frugality. The longer you take to

make a buying decision; the better will be your buying experience.

9.

chosen field. The person who can use the greatest amount of

knowledge in any field rises to the top of that field.

10.

have a dedication to customer service. Your success in life will be

in direct proportion to how much you increase the value in the

way you serve your customers.

11.

success will be in proportion to how much people trust you. Be

true to yourself and you will be true to others. Live in truth to

everyone.

12.

time. Make a list of everything you have to do. Then do the thing

that’s most important first. Focus on results. You will develop the

habit of high performance if you concentrate on completing the

task at hand.

13.

of urgency. Those who develop this talent will always be in high

demand.

14.

series of ups and downs. Be prepared to recognize these trends

and take advantage of them.

15.

or not, stick with it. Set a long term financial goal and do those

things which will move you towards that goal. Do those things

which are hard and difficult. It will build your self esteem.

16.

infinite. The more your focus on achieving your goals, the smarter

your brain becomes.

17.

positive way, the more successful you will become. People will

help you if you help them. If you want to be successful, you must

associate with positive people. The more you give of yourself

without expectation of return, the more you will get back from

unexpected sources.

18.

to be at least 80 years old. Get your weight under control. Eat less

and exercise more. Eat better foods and fewer of them. Eat

smaller portions. Exercise at least 30 minutes a day.

19.

decisions you have made. The more you try the more likely you

will succeed. Don’t settle. You will tap into a higher form of

energy when you do.

20.

as succeeding. Dare to go forward. Take calculated risks to

achieve your goals. Face your fears and take action anyway.

Failure is not an option.

21.

prepared for disappoints and persist anyway. Circumstances do

not make the man. The man makes his own circumstances.

Respond to difficulties with persistence.

Success is Predictable