You create karms out of your thoughts. If you think bad things' then this effects your karam. It also effects your Naam simran.

You create karms out of your thoughts. If you think bad things' then this effects your karam. It also effects your Naam simran. Naam is such a suksham vasdhu (very very delicate thing) that the slightest disturbance can effect it. It is a mistake to think that once you have done your Simran that it is locked away for good. It is one thing getting up in the morning with great effort and doing your Naam Simran (chanting divines name) it is quite another keeping hold of it. In fact this is even more difficult. Say you have 100 Naam credits , it is your job to keep them safely. If you are walking down the street and you see someone you dislike and in your mind you curse them, then your Naam credits diminish and some go off to that person. so you see even when you think you have done so much simran, it is very hard to keep hold of it. You then have the five chore inside you they also take their share of your Naam. Some of your Naam will have been done with a little Karodh, some with a little Lobh, some with a little Kaam, so they demand their share, and what is left for you?"