If your bank account is drowning in debt, you are in good company. Around the globe, debt is the norm, not the exception. But the real puzzle is not why you are in the red; it is how to flip the script to overflowing green.
I have lived it: from $187,000 in debt to running thriving businesses, owning beautiful properties, and enjoying true financial freedom. If I shifted my energy to make it happen, so can you. The secret? It is not about working harder. It is about transforming your inner vibe. Here are my top 4 energy-shifting strategies to rocket from scarcity to surplus.
1. Face Your Finances with Curious Energy (Instead of Avoidance)
Growing up, was money a taboo topic—whispered, ignored, or flat-out dodged? If so, that avoidance energy likely tags along into adulthood, keeping your finances in the shadows. But ignoring the mess doesn’t make it go away; it amplifies the problem.
Shift your energy: Approach your numbers with neutral curiosity, not judgment. Ask, “Here’s where I stand, what’s one step I can take to change this right away?”
Tally your exact debt, then calculate the extra monthly payments required to eliminate your debt in 12–24 months. If you have multiple credit cards, explore consolidation to streamline the energy flow. This is not punishment – it is empowerment. By shining light on the dark and taking action, you invite abundant possibilities in.
2. Tune into Your True Desires (And Honor YOU with a 10% Account)
What do you desire, beyond what society, family, or friends impel on you? Most of us chase external “shoulds,” rather than clarifying what it is we truly desire.
Shift your energy: Ask, “If there were no limitations, no right or wrong, what would I choose as my life? What would I choose as my financial reality? How much money would spark joy in my world?” These questions alone change the energy from limitation, control, lack and scarcity to the expectation of possibilities greater than you can imagine.
Enter the game-changer from Access Consciousness: the 10% self-honouring account. Funnel 10% of every dollar earned into an untouchable pot – just for you, no spending, ever. I resisted this idea at first as I believed that I should pay off all debts first. Nonetheless, I committed to a 3-month experiment. The peace in my world exponentialized. I experienced what it felt like to have money which changed the energy and allowed me to receive even more.
3. Commit and Act on Daily Inspirations (The Universe Likes to Surprise You)
Abundance isn’t a map – it is a commitment to you. Make a demand of yourself: “I will create this, no matter what it takes and no matter what it looks like.” When you make this demand of yourself, the universe responds in ways that amaze and surprise you.
Shift your energy: Start each day by asking, “If I were creating my financial reality today, what would I choose?” When you ask this question, ideas, innovations, possibilities you have never considered before start to show up. Follow those inspirations and take action. Action amplifies your abundant energy, turning whispers into windfalls.
4. Prioritize Joy-First Living (Because Money Follows Joy)
Stop waiting for permission from your bank balance to feel alive.
Grab a notepad and write down everything that sparks joy – no filters, no “but will it pay?” Cooking midnight tacos. Planting herbs in cracked pots. Reading poetry aloud. Walking the dog at sunset.
If it lights you up, it belongs on the list. Add to it daily. In a week, you’ll see the patterns: What expands you? Then audit your calendar: How much of this joy am I actually living?
Double one item this week. Triple another next month and watch what happens.
Clients appear from conversations that started as play. Opportunities disguise themselves as hobbies. Money stops being the goal and becomes the byproduct of a life you love.
Conclusion:
Your current financial situation reflects the energy you’ve chosen to live: avoidance or curiosity, external “shoulds” or self-honuoring desire, hesitation or daily action and joy.
I started with $187,000 in red ink. I ended with businesses that hum, properties that delight, and a life that feels like play. The only thing that changed was me — the energy that I am in the world.
You can start to change the energy that you are in the world today. Face the numbers with kindness. Start the 10% account that whispers, “You are enough.” Ask empowering questions. Do one more thing that makes you happy. Debt is just energy stuck in yesterday’s story. Abundance is the energy of now—alive, expansive, unstoppable. Make the shift. Enjoy the change.
About Simone Milasas
Simone Milasas doesn’t just talk about changing your financial reality — she’s lived it. Once $187,000 in debt, she used the energetic tools of Access Consciousness to completely flip her reality. Today, she’s a best-selling author, international speaker, Advanced Facilitator, and host of the Choice, Change and Action podcast — empowering people around the world to create money, business, and life with joy, not judgment.
Her course and book Getting Out of Debt Joyfully go beyond traditional finance advice, inviting you to shift your energy, trust your knowing, and create wealth with ease.
Discover more at www.gettingoutofdebtjoyfully.com
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