My top hack for eliminating debt – that’s super fast!

My top hack for eliminating debt – that’s super fast!

Today I’m going to share with you my number one hack for eliminating debt.

You’ll want to stick around for this one.






I’m going to use a four-letter word… debt. 

Nobody likes that one. 

We’ve all got it – most of us anyway – and we don’t like it, we want to get rid of that thing. 

Energetically, the more you try to get rid of something, the more you actually give it power, the more you reinforce it.

What you resist, persists. 

So you want to be careful. What you want to do is actually turn that around by implementing the really practical things that I’m about to share with you. 

Turn that around and actually change the energy.

Right now, your energy is probably one of ‘I don’t want any more debt!’ which actually just keeps more debt coming at you.

Rember: What you resist persists and where attention goes energy flows. And everything is energy. 

We want to turn that energy around to ‘Every day, I’m eliminating debt. Every day my debt is shrinking. It’s shrinking faster and faster!’, which is a completely different vibration. 

That’s what we want. 

So how do you do that? 

OK, let me share my number one tip for eliminating debt with you: 

Most people, when they have multiple credit cards, car loans, etc., they just make the minimum payments on everything. Sometimes they pay a bit more here and there, but generally, they’re just making the regular payments and trying to get on top of things. 

What you want to do is this: Get a piece of paper and list all of your debts. List what you owe, what the minimum monthly payment is (or weekly if that’s how you operate), and list the interest rate if you can. 

Now from a pure finance advisory perspective – which by the way, I’m not giving you financial advice here – and from a number-crunching perspective, you would usually work on the one that has the highest interest rate first because it’s costing you the most.

But having said that, everything is energy. 

If there’s one that bothers you a whole lot more than the others, or if you’re really overwhelmed by the feeling of debt, and just getting rid of one little thing would help, then go for another one. 

Sometimes it actually helps to get rid of the one that you owe the least on because you can do that quickly.

So choose one. 

If you’re feeling okay, then definitely go with the one on the highest interest rate and watch that debt shrink into oblivion. 

Here’s how you do it: 

✔️ Find a little bit of extra money somewhere. 

You can look at things like whether you have magazine subscriptions that you don’t utilise, whether you subscribe to Spotify but in reality, it’s no big deal if there’s an odd ad. Or perhaps you spend a little bit more than you really need to on going out and grabbing a cup of coffee or lunch.

Just figure out if there’s something that isn’t necessary that you can save money on.

Ideally, that’s the best way to do it. 

✔️ Then put that money towards that debt.

Think of this as REPLACING expenses. Swapping something not very useful with something that’s very useful and is going to help you a lot. 

Put that amount of money – let’s say it’s $50 a week saved from removing unnecessary expenses – towards the debt you’ve decided on and keep doing that. 

✔️ Keep paying all the other ones at their minimum payments and just focus on THE one. 

Just focus on eliminating debt – but focus on ONE at a time.

✔️ When that one’s all paid off, do a little happy dance. Give yourself a treat that you’ve decided on in advance. 

Ideally, your reward should cost about the same as one of those debt payments.

So if you were making a payment of $200 and have now paid off that debt, then put one of those payments towards a special little reward for yourself.

✔️ Then after that, don’t just absorb that money and re-subscribe to the magazines and everything else. Use that extra money you’ve just freed up and choose the next debt to eliminate!

I call this tipping the buckets. 

You just want to then choose the next debt to eliminate. You’ve got that whole $200 now extra to put towards the next one. 

So again, choose it depending on what works best for you.

Pay off all of it. 

✔️ When you get that one completely gone, do the same thing. 

Treat yourself, celebrate, and then take the whole payment (so what you had on the very first one plus what you were paying on the second one, which you then stacked up) and then pay all of that towards the next one. 

What will actually happen is that it’s going to gather momentum really, really quickly. 

The first one will be the slowest. The second one goes faster, and from there, it just goes bang, bang, bang, the dominoes will drop. 

It’s a really cool technique. 

Celebrate, do lots of happy dances and really celebrate every time you eliminate a debt.

Remember: All is energy. All is vibration. You want to do the dance of abundance. 

And that is it.

See how simple eliminating debt can be – and how quickly it can happen once you get started & focus?

Let me know in the comments below if you’ve ever tried this & how it went!


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Attract more money by going undercover

Attract more money by going undercover

Hello, it’s Miriam Castilla here and welcome to the Manifesting Playground for Soulful Women in Business. The place where we practice the art and science of Effectology. Helping you marry the magical with the practical, so you can have more money and more time, the easy way, without all the hustle.

Today we’re going to talk about why when you want to manifest more money it really pays to go stealth.




What am I talking about? Well, when you’re in a position where you think “I really need to manifest more money,” … maybe to pay off some debts (stick around if that’s mainly why you want to manifest more money because I’ve got something really awesome for you)

So, you’re wanting to manifest more money because you really need it and you’re really feeling that need for it… what that actually means is that money is an issue in your life at the moment, right?

So, you’re feeling like there’s not enough. You’re noticing the lack of money and that means that that subject of money is loaded with all of that. What that actually means is that your focus and your vibration is on the lack of money, on not enough money, on the frustration that there’s still a GAP between where you’re at and where you want to be and that it’s not here yet and it’s not happening fast enough.

All of that frustration is actually creating energetic resistance to more money coming in.

You’re actually hypnotising and training yourself into “There is just not enough.” You’re programming your unconscious mind and the entire Universe into “I just never have enough. There’s a gap. I’m really noticing the gap. It’s really pissing me off, and the more it’s pissing me off the more there’s a gap,” and it just stays stuck on that. It’s like you’re in a revolving door and you can’t seem to get out.

You need to just get out of all of that. Break out of it. Get out of that revolving door, because that’s really hard and if a bit of money manages to sneak through it’s kind of a bonus but it’s really difficult.

So, you want to step away from all of that and recognize that money is just part of abundance. Money is really just a means to an end. The vibration that matches the end result of all of the things you want the money for is actually the vibration of abundance.

The feeling that you want to generate and the things you want to train your unconscious into knowing to be your reality, are all the things that match that vibration, that feeling state of “I’m living an abundant life.”

Money is just one of the factors within it.

So what you’re actually doing is you’re going bigger and wider and just letting the money drop in, rather than trying to micromanage that little aspect of this bigger topic of abundance and creating a whole lot of havoc.

So that’s why I have a saying that’s “Let’s get off the topic, and on the vibration.” Because the topic of money isn’t helping, but the vibration of abundance? You can get to that.

You can find lots of ways to get in that vibration of abundance. Just sit down right now, make a list of at least five things, or ten, or twenty, that make you feel really abundant. At the end of the day, that’s what you want the money for. The money itself? You look at it for a while, if you’ve got loads of it maybe you take a swim in the bathtub in it, but then that’s the end of the money’s purpose in your life.

The purpose of the money is something so much bigger.

So, connect to that, make it easy for yourself and until next time keep on embracing your unlimited potential!

BUT before I go, if debt is an issue, please grab yourself my free Debt Elimination Planner which is available at the link in the description. That will help you really start putting some practical steps in place to start clearing the debt and then meanwhile, you go off the topic and on the vibration, start attracting even more money and you’ll know exactly the most powerful way to get rid of that debt fast.

So grab that from the link now & keep on embracing your unlimited potential.



To start eliminating debt lightning fast, grab yourself a copy of my free Debt Elimination Planner here:

How to get on top of debt once and for all

How to get on top of debt once and for all

Hello beautiful,

It’s Miriam Castilla here and welcome back to the Manifesting Playground for Soulful Women in Business – the place where we practice the art & science of Effectology to help you marry the magical with the practical so you can have more money and more time, the easy way – without all the extra hustle!

Today we’re going to talk about what’s going on when you just can’t get ahead on your debts and what to do about it.

So I’m talking about debts, mainly credit card debt, that kind of thing, maybe car loans – consumer debts – and it’s really crippling stuff and can just hang around forever and ever and ever and it seems like you never make any headway on it.

Now, what’s important to realize is that these kinds of debts are really expensive with interest rates of 20 to 22% – sometimes even higher – on them which means you’re paying that much more on that thing you paid for it and so if it was a bargain and on sale that’s why you put it on your credit card, think again because you’re actually paying 20% more for that thing!




So it’s a really expensive debt and you’re being charged interest on interest on interest as time goes on. That’s the power of compound interest which can set you financially free if it’s working in your favor. Here it’s actually working against you and so that’s why it feels like you just can’t get on top of it because interest is growing and then it’s interest on interest on interest. And so it’s like I talk about having money babies by using compound interest in your favor – this is the opposite of that, right? And so you need to be aware of that.

So we want to get rid of that thing.

Now the issue for most people is that they’re really just kind of making their minimum payments – sometimes a little bit extra but there’s no real system and there’s no real focus and the power of focus is what’s going to set you free.

So i’ll give you an example:

We all use the 60-watt lightbulbs around our house, most people use 60-watters. Now they are just a little bit ambient light, a little bit hot if it’s been on for a while, nothing really too powerful. Now the reason that even though there’s quite a bit of power there, they’re really harmless is because the light just kind of sprays in all directions, there is no focus. Now if you took all those lightwaves and you actually got them to be congruent which means focused, all parallel and all inline and pointing at the one thing, you could actually cut (with the same amount of wattage) through steel!

That is the power of focus. And your mind is a really powerful focusing mechanism and money and compound interest also benefits from this power of focus.

So all you need to start doing is actually focusing in and getting a little bit of a system in place. Paying off one debt strategically with a plan and really focusing on it and then moving on to the next one and the next one and the next one, but the difference is that you have a plan and your focus is almighty.

Now, if you’d like to get started on that I have an awesome freebie for you. It’s my debt elimination planner. This is actually the same process that I teach in the Magnetic Money program and you can take yourself through it and get started right now. The link to grab it, totally free, is in the show notes right here so grab yourself that and have an awesome time with it.

Enjoy the power of focus, watch your debt just domino and disappear and until next time, keep on embracing your beautiful, unlimited potential.



Download the free Debt Elimination Planner now & watch your debts start to tumble!