Numerology is based on the idea that each of us is a spiritual being, or a soul, who incarnates many times in order to further evolve toward higher states of awareness. During our evolutionary path of many incarnations, we have accumulated a wealth of wisdom, but have also made mistakes or have sometimes abused the gifts we've been given. To rectify such errors, we may take on an additional burden in order to learn a particular lesson that we failed to learn in previous lifetimes. In Numerology, this is called a Karmic Debt.
The numbers that indicate a Karmic Debt are 13, 14, 16 and 19, and where they are found in your Numerology chart is just as important as their effects. If you have a Karmic Debt Life Path number, for example, the impact will be felt repeatedly throughout your life cycle, but not continuously. But if your Expression number is a Karmic Debt number, you will feel its effect on a more continuous, but less dramatic, basis, affecting mostly your professional/productive life.
If your Heart's Desire number is a Karmic Debt number, you will have a tendency to make bad choices and decisions in your lifestyle and relationships, though if your Personality number is a Karmic Debt number, its influence will be mostly felt in social interactions and health issues. Found as a Maturity number, the Karmic Debt is felt particularly strong during your late teens and early twenties, as well as your late forties and early fifties (the mid-life crisis).
Certain cycles in the forecasting part of your chart can also be influenced strongly by Karmic Debt numbers. Found as an Essence cycle, a Karmic Debt number can be particularly difficult, and Period and Pinnacle cycles are also vulnerable to Karmic Debt.
When you are calculating your Numerology chart, you may encounter the numbers 1, 4, 5 or 7. These single-digit numbers can be arrived at by adding a variety of two-digit numbers. For example, the number 1 can be derived by combining the double-digit numbers of 10 (1 + 0 = 1), 19, 28, 37, 46 -- all of which total to 10, and then reduce to 1. However, only in the case of 19 is a Karmic Debt indicated. Karmic Debts are also associated with the numbers 4, 5 and 7. These numbers can be preceded by an array of two-digit numbers as well, but when the 4 is preceded by a 13, the 5 is preceded by a 14 or the 7 by a 16, a Karmic Debt is also read as part of the single-digit interpretation.
What follows is a description of each of the four Karmic Debt numbers 13, 14, 16 and 19.