Karma is like opening a bank account. We have choices on how much money we want to put in to add to our balance, or how much we want to withdraw. We can choose to put different investments that result in interest to increase what we have available in our account. We can also choose to use credit card in which we pay interest on what we spend. The choice is ours to make.
Similarly, we have a karmic account. Each day we can choose whether we want to engage in thoughts, words, and deeds that are going to result in good that comes back to us. We can also engage in thoughts, words, and deeds, for which we must pay the consequences. Beyond creating good and bad karmic accounts, we can also choose to do things that create a balance of zero so that we do not have to return to this world to either reap the benefits or pay the consequences.
We can reduce our karmas by living mindfully of the karmic law. That means doing things that do not incur good or bad Karma. However, if we are still not living life in a neh-karma or karma-less way, it is better to have good karma than bad karma. There are many examples of people who can directly see the rewards that came back to them from a deed of good karma. Many times, we cannot read the correlation between what we have done what we received in return. Sometimes the effects span several lifetimes. At other times, what happens to us is a result of something we set in motion years ago.
Everything we do is recorded in the karmic accounts. There is a strict accounting of our every thought, word, and deed. It is wise to make sure that we do not commit any actions, thoughts or words that can rebound to us with consequence. Instead we must have thoughts, words, and deeds that are good so that good can come back to us.
However, if we are on the spiritual path, we do not want to return to this world to reap the rewards of what we do. There is a better plan. We can do good, but do so without having to come back to reap the rewards. This means we are doing good in the world, but the credit is being passed on to God. We only want to accumulate spiritual benefits and the love and pleasure of God. These are termed acts that are neh-karma or karma-free.
How can this be done? We can have good thoughts, words, and deeds in life but we pass on the credit to God. We do good things because it is the right thing to do, not to make name for ourselves or earn money. We say good things to others because it is the kind and loving thing to do, just out of goodness of our heart, without expecting anything in return. We think good things about others as an expression of the spiritual love we are developing in which we recognise all people as members of the same family of God.
We still do good, but our deeds are selfless without us wanting any material rewards. We do get benefits, but they are of the spirit. These benefits come in the form of spiritual progress, the love of God, earning the pleasure of God, and the burning of our karmas without creating new ones.
Another activity in which we can spend our time without creating more karma is meditation. When we sit with a still mind, we are not creating more karma. Sitting in meditation but thinking critical and hurtful thoughts of others is not karma-less meditation. It is sitting and thinking thoughts that create more karma. That is why Simran or repetition of the name of God is an important helping factor in preventing karma in meditation.
If we repeat the name of God, our mind is focused and does not have a chance to create karma by thinking negative thoughts against anyone. Simran helps us forget the past hurt or future worries, helps us to focus on being in the present moment in which we are meditating to progress on the spiritual journey back to God. The analogy is like keeping our car in neutral at a red light. We are not using up our gas, but we also not moving in any direction.
