Loans and complexes: what is the relationship between them?

Why do we borrow money? Because we need a thing or service that we cannot afford, and right now. Because we don’t want or don’t know how to plan our income, so let the bank take over this regulatory function, and we will owe it. We not only cannot, but rather do not want to wait.

Yes, by taking a mortgage loan, the payment of which is designed for several decades, we acquire housing, the one-time purchase of which is basically impossible. And it is better to pay off a loan than to give the same money for a rented apartment. But if the arguments in favor of a mortgage are understandable and require only a balanced and deliberate decision, then the situation is different with small loans.

Small loans, it would seem, are not burdensome, but lead to global consequences. Living in debt is an illusion that everything is fine with us, that we can afford a lot without coordinating financial decisions with our own income.

We are like small children: there is only our “I want”. But if the wishes of the child are fulfilled by parents: responsible, mature and self-sufficient sources of satisfaction of needs, then in the situation with the bank this is far from the case! The bank is not a parent, it earns from us. Banks don’t care what we are: adults and independent or still children.

Yes, credit. So what?

Let’s imagine a situation: a family or a person takes an apartment on a mortgage (or something expensive on a long-term loan). What are the consequences of this step?

1. Shift in priorities. Many credit obligations force them to look for a new job, and when choosing between a low-paying job «to their liking» and employment solely for the sake of money, the choice will be made in favor of the latter.

2. Limitation of expenses. For example, you will have to give up thoughts about a second or additional education “for yourself”.

3. «Stuck» in one place. It is more difficult for a divorced couple to exchange or sell a mortgage apartment, which means that people stay together, even if the marriage is bursting at the seams. In addition, in a divorce situation, it is difficult to redistribute financial flows for paying a mortgage and recalculate who owes whom and how much.

4. The appearance of fears, fear of not repaying a loan: from hypochondria and anxiety disorders to phobias and psychosomatic illnesses.

When we get married, how long do we plan to stay together? The answer depends on the balance of the decision, the maturity of the individual, the ability to bear responsibility and the combination of circumstances. There are no guarantees, but an extreme measure is always possible — divorce. In the situation with the bank, everything is more complicated: we cannot “divorce” it.

So, a loan is not only an opportunity to get what you want, but, above all, a debt. We take other people’s money and for a short time, but we give our own forever. Of course, loans are an integral part of life, but such a decision is important to carefully consider and weigh. Often loans are longer than marriages: not every relationship can withstand financial burden without the right to make a mistake.

What are the complexes?

The theory of complexes was formulated at the beginning of the last century by the founder of analytical psychology, Carl Gustav Jung. The main idea is that complexes are unconscious structures inside the human psyche, in which energy is “conserved”.

The cause of the complex, which then becomes its core, is psychological trauma, an experience that threatens the normal functioning of the psyche. On the one hand, trauma and the complex are the fruit of our experience, but on the other hand, we do not remember and are not aware of them.

Psychological trauma is always associated with an affective experience. An affect is any intense emotion in which we cannot control our behavior and state. Often the affects are short-lived, they are subsequently repressed.

So, if a parent in a state of passion yells at a child, then he is quite capable of raising his hand to him. And if the act of the parent does not coincide with the image of himself, then the memories of this moment will be blurred or completely forgotten. In the subjective history of the parent, there will be no traumatic memories (this is how his psyche preserves itself), but in the psyche of the child this experience will remain and, most likely, will become the core of the future complex.

Often we remember the traumas experienced in childhood only in the course of working with a psychologist. These are difficult discoveries that force us to take a fresh look at both loved ones and ourselves.

The task of psychological work with complexes is to extract the energy contained in them and return it to free circulation. And it is solved by experiencing the initial trauma already in the analytical process. As a result, a person accepts his personal experience, develops new scenarios and receives a supply of mental strength.

There is a direct connection between complexes and loans: one is a metaphor for the other. The physics of the processes is the same.

Money is a form of energy. Just as we convert natural energy into the electricity we need, we can turn money into any thing or service. The core of our complex is the money that we seem to have, but in fact we don’t have it — it belongs to the bank. This is the same «canned» energy that needs to be returned to circulation.

The idea of ​​loans «feeds» the idea of ​​complexes: they are like communicating vessels. And the more “credit mass” a person has, the less opportunity he has to resolve his complexes.

Moreover, if a client experiences problems with money, then, most likely, this affects his physical condition and the ability to manage his own aggression. It is enough to help him establish contact with his own body or aggression, and problems with money are solved by themselves.

Finally, it must be remembered that a mature person is prone to self-restraint — including in order not to multiply and feed their own unresolved complexes.