Karma is the Eastern philosophy that teaches us that everything we do will have consequences-- for better or for worse. Think of karma as a bank account. When you do something good it's like making a deposit; your balance is positive and you know you have good things that will gain interest and be returned.
On the other hand, when you do something not-so-good, it's like a withdrawal. You know you'll have less to look forward to, and if you withdraw too much you go into debt. When in debt you accumulate interest and someday, somehow, payment will come due.
Unlike bank creditors, you can't escape karma. It's programmed into the universe and one day you'll have to settle up on that karmic debt.
Don’t Fight It
One key to settling your karmic debt is to not fight it or try to get out of it. The whole purpose for karma in the universe is that it’s a failsafe system. Its cause and effect. Karma is learning from experience—there is no escaping it. The more you try to get away with, the deeper you end up in debt.
When you do things to pay back your karmic debts, pay them back with interest. Go above and beyond the call of duty.
Play it smart—when payback for your actions comes due, take it like a man (or a woman, if the case may be). Own up to your mistakes and hold yourself accountable.
Know that it’s not something you can get away with scot free. The sooner you accept that the sooner you’ll be able to put it all behind you.
Work With All Involved Parties
Sometimes karma is not something you have to work through alone. Many times we are in this life with soul mates—people we’ve known in another life. The reason many soul mates are tied together is because they have to settle some karma with each other. They have issues to resolve and lessons to learn from each other.
This is why, when you run into a soul mate, it’s a good idea to settle up that karmic debt up front. Don’t avoid the person, no matter how much pain the confrontation may cause. And don’t rush into the person’s arms and run up to the altar, either—while that still might be in your future, it might not be the main reason you’re brought together in this life.
You should talk with the person and try to come to an understanding of just what karma you have between you, and try to resolve it together by the most direct means possible.
At that point, you’ll find you can part ways in peace, or move forward with your relationship.
Pay Back With Interest
When you do things to pay back your karmic debts, pay them back with interest. Go above and beyond the call of duty. For example, let’s say you realize karma is coming to you from that shady business deal you made. You unethically (although legally) took something that someone else had earned. Now, you find your work is doubled or tripled— and the rewards are non-existent. You have to learn to earn your way honestly rather than be sneaky.
Okay, so do the work. Do it without complaining. Offer to do even more—help someone else out who is also struggling under an abundance of responsibilities. By paying back your karmic debt “with interest” you learn a better way to act and you cancel out some of your karmic debt.
Before you know it, you’ll find your accounts are balanced and you can move on in life.