Out of Financial Hell: A Journey into Divine Abundance

By Hillary Dawes

Spiritual Counselor Hillary Dawes shares with readers her personal struggles with financial hardships, and how she was able to overcome by using spiritual principles that anyone can apply to better their life, whether they are in debt, struggling to make ends meet, or just simply wanting to enjoy more of what they have worked to achieve. This book will show the reader how to apply these spiritual principles in their lives, in order to reap the benefits of true success and abundant living.

• Language: English
• Publisher: Balboa Press
• Release date: Jan 19, 2017
• ISBN: 9781504361873

Hillary Dawes

Hillary Dawes brings with her over a quarter of a century of life experiences and professional experience, from both the religious/spiritual world and health care industry. Ms. Dawes is a graduate of Florida International University, and holds a Bachelors’ degree in Physical Therapy. She is also a certified Spiritual Counselor from the American Institute of Health Care Professionals, and a certified Holistic Health Coach, with certification from the Biblical Health Institute. Ms. Dawes is also the author of one other book, and writes prolifically on matters relating to health, wellness, spirituality and religion. This book is borne out of Ms. Dawes own life experience, and shows the reader how she managed to extricate herself out of financial trouble, using spiritual principles. This book can be used as a do-it-yourself spiritual guide, to self-coach oneself out of financial difficulties, by just simply following the spiritual counseling guidelines in this book.

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Copyright © 2017 Hillary Dawes.

All rights reserved. No part of this book may be used or reproduced by any means, graphic, electronic, or mechanical, including photocopying, recording, taping or by any information storage retrieval system without the written permission of the author except in the case of brief quotations embodied in critical articles and reviews.

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Because of the dynamic nature of the Internet, any web addresses or links contained in this book may have changed since publication and may no longer be valid. The views expressed in this work are solely those of the author and do not necessarily reflect the views of the publisher, and the publisher hereby disclaims any responsibility for them.

The author of this book does not dispense medical advice or prescribe the use of any technique as a form of treatment for physical, emotional, or medical problems without the advice of a physician, either directly or indirectly. The intent of the author is only to offer information of a general nature to help you in your quest for emotional and spiritual well-being. In the event you use any of the information in this book for yourself, which is your constitutional right, the author and the publisher assume no responsibility for your actions.

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ISBN: 978-1-5043-6181-1 (sc)

ISBN: 978-1-5043-6187-3 (e)

Balboa Press rev. date: 01/11/2017

Contents

Introduction

Chapter One The Seven-Year Debt Cycle

Chapter Two Stop the Vicious Cycle of Never-Ending Debt By Plugging Energy Leaks!

Chapter Three Scarcity Versus Abundance

Chapter Four The Principles of Creating Abundance

Chapter Five Removal of Spiritual Blockages to Abundance and Prosperity

Chapter Six Navigating Global Market Forces Without Losing Your Way

Chapter Seven Economic Security for the Future

Introduction

He used the R word.

News reporters and economists gasped when Warren Buffet declared that our country was in an economic recession. Those fateful words were said back in 2006, when our country and the world were struggling through a major financial depression. Not only was the world in a financial mess, but many people’s personal finances, including mine, were messed up too. We were on the verge of a major housing bubble burst, and the stock market was doing badly. Many people were out of work, jobs were scarce, and many were losing their homes. The economic outlook for the future looked dim.

It was during those terrible times of the year 2006, that my personal journey out of financial hell began. In 2006, my husband walked out on me, and left me holding all the bills. I was in dire financial straits had no one to turn to for help. I was up to my neck in bills with mortgage/home equity loans of over $173,000, a home in need of repairs, and over $12,000 in unsecured debt, including credit card and student loan debts. It was in the middle of my own personal crisis, in 2007, that God gave me the vision for a financial plan, which saved me from total bankruptcy. Within the space of one year, in 2008, I was able to secure ALL the money I needed to get out of massive debt, and in 2010, I became debt-free, except for my mortgage. Not only did I wipe out all my credit card and student loan debts, but I was also able to reduce my mortgage loan by $13,000, and find an extra $10, 000 to repair my home – that’s over $35,000 worth of expenses gone!

In this book, I am going to share with you my journey into divine abundance, and the spiritual laws and principles which I followed, that helped me to get out of debt, and placed me on the road to financial stability, contentment, and fulfillment. I will also share with you all the other spiritual laws and principles I have learned and used over the years since then, that have kept me financially, emotionally, and spiritually sound, and which I teach others in my spiritual coaching practice. This is my personal testimony of my spiritual journey from financial hell, into inner peace, abundance and joy. It is my I hope that you too can take this journey out of financial hell, whether you are rich, poor, or in-between.

This is a great book for those struggling with lack because they feel their finances are cursed. Perhaps you have a good job, but you are still struggling financially. You are living hand-to-mouth or paycheck to paycheck. As soon as you take care of one major expense, something else happens that sets you back financially. This book will help you break loose from those negative financial chains. Perhaps you don’t have a good job, but all your efforts to get ahead are being frustrated. It seems like there are numerous stumbling blocks in your way, and you are frustrated from trying to remove them. Something good might happen for you, then all of a sudden, something bad happens that wipes it all away. This book will help you to remove those spiritual blockages to success. Perhaps you are rich, but your money is not giving you any satisfaction or joy in life. You have all the comforts that life has to offer, but yet you feel no joy in what you have attained. This book can help you find the joy in your material abundance. Perhaps you are satisfied or content with what you have, but you fear future economic prospects, and what it might mean for you and your family. This book will help you to gain control of your economic future, and give you reassurance for the future. In short, this book will help you learn how to find peace in the midst of any economic situation that you may be in, or that is around you, and in the world.

This book is a sequel to my first book, Surviving a Global Economic Crisis: A Biblical Perspective, which came out in 2008, just two years after my marital separation. In that book, I addressed the economic issues of our time from a Biblical perspective. In this book, OUT of Financial Hell: A Journey into Divine Abundance, I delve deeper into the spiritual laws and principles behind those teachings in my first book, and I share effective mind-body spiritual strategies that will bring change to your circumstances, from a holistic and spiritual perspective. If you would like to schedule personal coaching sessions with me, or learn more about me and the counseling programs I offer, please visit me at my website www.hillarydawes.com and like my Facebook page, Hillary Dawes Online Spiritual Life Coaching.

ALL BIBLE REFERENCES TAKEN

FROM THE KING JAMES VERSION

of the Holy Bible, Public Domain.

Chapter One

The Seven-Year Debt Cycle

To every thing there is a season, and a time to every purpose under the heaven ~The Preacher¹

Money is an energy that is either attracted to you or repelled away from you. While attracting money produces wealth and economic prosperity, repelling money creates a financial deficit, also known as debt. Not everyone in debt is financially bad off. Many of us have debt which we can handle, and are therefore economically balanced. We are not paying out more than we take in, and after we service our debts, we still have enough or more than enough to live on. There are others however who either cannot pay their debts, or have less than enough to live on, after paying their debts. For many, many, many years, I was in the less than enough category. How did I get there? Very easily - through credit card and student loans.

As I was the one who put myself through college with no parental help, I financed my college education with student loans and credit cards. At the end of it all, I racked up over $28,000 in student loans, plus credit card debt. Compared to other students, I did not do too bad, as other students were graduating college with student loans of over $100,000. I was fortunate, but at the same time, it was more money than I could pay back. You see, when I graduated college, there were no jobs to be had in my field. I studied physical therapy, but all the job offers I had in school disappeared. The health care field had taken a big hit due to cuts in Medicare, and hospitals were laying off, and no one was hiring. I had to immediately put my student loans in