You don't create
the things you want.
You create things
that you give
your attention to,
want it or not.
You create your life, you are in charge. You are what you think. Whatever you are obsessing or worrying about, whatever is uppermost in your mind... is what you are vibrating, the message you are giving to the Universe.
So if what you want is to be rich and what you are obsessing about is not being able to pay what you owe, you are manifesting more debt.... the exact opposite of what you want. When you are giving your attention to lack, you are creating fear around the situation. Once fear has raised it's ugly head, then the worry and obsessing start, and everything will continue to go 'downhill'. If you are focused on problems, that is what will come to you.
So you are not creating what you want, but what you dread.
It is not easy to break this cycle. When you are totally absorbed in financial fear it's hard to look on the bright side, there doesn't appear to be one. (I have used lack of funds in this blog, but it is the same with anything you are worried or obsessing about) Try to focus on the fact that at this very minute you are okay... just do it a minute at a time. This will help calm the panic, then you will be able to look for the good and focus on that. It is a process, it takes time to lose fear, but if you concentrate on what you love, what makes you happy, you WILL start to receive more of that.
"When you focus on how good the good is, the good gets better"