Module 2: The burden of debt and bills

EFT Tapping Points

How to use the audio tap-alongs

The above picture shows the EFT tapping points we will be using. Click the picture to see a larger version. One round of EFT begins with the eyebrow point and ends at the top of the head. You will hear a gentle bell sound when it is time to move to the next tapping point. For example, after tapping on the eyebrow point, you will hear a bell sound which will be your cue to move to the next point – the side of the eye. It is okay if you miss the bell and happen to tap on two or more statements at the same point.

Downloadable mp3

Click the link to download the mp3 file to your computer / device Download Burden of Debt and Bills


This module has 2 tapping sequences. We will first tap on our present emotions around debt and bills. Tapping will enable you to look at the debt situation rationally instead of emotionally. For a moment, think about your mortgage, car loan, student loan, unpaid medical bills or any other personal loans that need repaying. Also think about any bills you have received lately. It can be a huge car servicing bill or an electricity bill or anything else of that sort. Doesn’t it feel like a burden? Remember this feeling because after this tapping we will check back to see how you feel about it.

Tap on the karate chop while repeating aloud or simply listening to the following set up statements.

Even though all the debt and unpaid bills feel like a huge burden month after month, I love, accept and appreciate myself.

Even though I feel hopeless of ever being able to pay off all the debt and bills and still have enough for my needs, I love, accept and appreciate myself.

Even though I blame myself, I blame the economy for my debt and none of this makes me feel better, I choose to find constructive ways of looking at my debt situation.

Now we will go to the tapping points starting with the eyebrow point. You could repeat the statements aloud or simply listen and focus on them as you tap along.

Round 1

  1. I can’t breathe!
  2. I look at what needs to be paid and what has to be paid and I can’t breathe.
  3. I try so hard to stretch a dime into a dollar.
  4. Why do I even bother?
  5. It doesn’t seem like I ever get anywhere.
  6. I pay and I pay every month and it just doesn’t get any better.
  7. It feels like my income is already written off by the time it reaches my hands.
  8. Every penny is already spoken for in bills and debt repayment.

Round 2

  1. I am spinning my wheels day in day out,
  2. working my butt off just to be able to afford basic amenities.
  3. If I keep working and paying and working and paying,
  4. when will I get to enjoy the very things I’ve incurred debt for?
  5. Being in debt makes me feel guilty if I buy anything that isn’t an absolute necessity.
  6. I should be paying that money on a bill instead of getting a new pair of jeans, right?
  7. Even when I do have surplus to spend on things I need and want,
  8. I flinch back with guilt and frustration.

Round 3

  1. It is just depressing to see other people going on vacations and spending on luxury
  2. knowing that I will probably never be able to afford to do any of those things.
  3. I seem to live day-to-day just so that I can pay my bills.
  4. Where is the joy, where is the spring in my step?
  5. Oh and heaven forbid you get a little behind.
  6. Because you happen to be short on money and long on bills that month.
  7. Then some pushy, overbearing, rude collector will send a reminder.
  8. Like I don’t feel bad enough already!

Round 4

  1. I hate having to cut corners to survive.
  2. Even with monthly payments, it feels like debt rules my life every single day.
  3. It is always there at the back of my mind.
  4. How am I ever going to get on top of this?
  5. All this debt is like a big boulder on my shoulders.
  6. Not only that, it is my stumbling block for ever worse decisions.
  7. I do not look forward to going into debt, it is something I have had to do.
  8. I wish I could go back in time and make better financial decisions

Round 5

  1. and never be where I am now.
  2. I wish I had not bought into the get it now pay for it later mentality of our society.
  3. Maybe then I could have spared myself from feeling like the world is sitting on my chest
  4. every time I open my wallet.
  5. But in this society, you need a credit card.
  6. I know I have fed the debt monster only to make it bigger.
  7. I can’t begin to live my life until I am done with debt.
  8. At this rate, I never will be.

Round 6

  1. Because every time I am closer to being debt-free,
  2. something flashy or something unexpected comes along
  3. and I am forced to pull out that credit card or apply for that loan.
  4. It feels like a long, unending race ahead and I’ll never get to the finish line.
  5. I wish I could come into a lot of money and all my troubles would be over.
  6. I wish I could sweep it under the carpet, and start over.
  7. What if I could work through it without killing myself?
  8. Debt-free. I like the sound of that.

Now check in with your feelings and see if some of the emotional intensity has subsided. What it means is that you no longer feel as worked up about the debt situation as before. If not, let’s go over the tapping sequence once again. Otherwise, let’s go to the next sequence in the module.

For the next tapping sequence, we will go directly to the tapping points starting with the eyebrow point.

Round 7

  1. Where do I even begin?
  2. I’m already doing the best I can.
  3. What if I am only doing the best that I know right now?
  4. What if there are better ways to tackle the debt that have not dawned on me yet?
  5. What if I began with gratitude?
  6. I am grateful to those who made the money available upfront
  7. so I could own the stuff I needed right when I needed it.
  8. Stuff that without credit I would never have been able to afford.

Round 8

  1. Imagine how it would have been if I needed to first earn all the money
  2. I needed for a house or a car in order to buy one of those necessities.
  3. That could take a lifetime!
  4. So maybe debt is not all that much of a bad guy I’ve made it out to be.
  5. While that doesn’t mean I drop my guard and keep
  6. snowballing more and more debt,
  7. it does mean that I can stop feeling like a victim
  8. and be aware of why I acquired debt in the first place.

Round 9

  1. And while I may have misused my power of borrowing
  2. by spending on things I didn’t need,
  3. I now choose to be aware and wise to that fact.
  4. I forgive myself for getting into a situation
  5. that I’m finding a hard time getting out of.
  6. I am understanding that borrowed money is easier taking for granted
  7. than when every cent you have is worked for.
  8. It makes you think of money in terms of hours and it helps you regulate your spending.

Round 10

  1. Today is a new day. I can find my way through this fog.
  2. My mind, body and spirit are now aligned to help me work my way through this.
  3. I know that as long as I am willing to work on debt,
  4. I am headed in the right direction.
  5. I am an honest, hard working, smart person.
  6. Instead of setting goals to acquire this new thing or that,
  7. I choose to make debt repayment my priority and personal goal.
  8. Even though this sounds limiting as it cuts through my wish list,

Round 11

  1. I choose to remember that financial freedom beats any shiny objects I can buy.
  2. In my war against debt, I am on my side, finally.
  3. I feel strong, I feel like I am in control.
  4. And even though I may not know everything I need to do,
  5. I am learning new ways of loosening the grip of debt.
  6. Whether or not I made the best spending choices in the past,
  7. I now choose to be alert and be in control of where my money is going.
  8. With my new found awareness I choose to feel calm and confident.

So how do you feel now? Think of your debt situation as you did at the beginning of the module. Do you feel relaxed and empowered? If not, let’s go over this tapping sequence once again.

If you got reminded of a specific memory while you were tapping , you will be able to address it now. This memory could be a childhood memory of your parents struggling with debt and monthly bills. Or it could be a memory of your own struggles in the past. Right now you are in a perfect frame of mind to tap on this memory. Remain with this feeling and do a few rounds of Tapping until you start to feel better about it. You do not need to use any words because you are already tuned into the feeling. If you can’t tap now, just make a note of it and come back to it when you can.

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