Before starting to know what Karma is let’s first face the ultimate reality which is forever there, whether you acknowledge it or not.
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सर्वकर्माणि मनसा संन्यस्यास्ते सुखं वशी।
नवद्वारे पुरे देही नैव कुर्वन्न कारयन् ॥5- 13॥

Bhagvad Gita. Ch 5 Verse 13

The embodied beings who are self-controlled and detached reside happily in the city of nine gates, free from thinking they are the doers or the cause of anything.

The translation is taken from the Sanskrit Channel 

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Let me elaborate on it. If after reading this you realise The Self, The Existence, then there is no karma because you are not seeing yourself as the doer anymore. You are no longer separate or independent of the Existence itself.
Only when Self-Knowledge has not been achieved and when one is ignorant, there is karma. When one is only identifying with one’s body the City of Nine Gates = 2 Ears + 1 Mouth + 2 Nostrils + 2 Eyes + 1 Anus + 1 Genital Organ; one cannot consider one to be the existence. There is too much attachment and doing and too little space to BE.

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Let me give one more reference to make it simpler for you:

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उदेति भवतो विश्वं वारिधेरिव बुद्बुदः।
इति ज्ञात्वैकमात्मानं एवमेव लयं व्रज॥5- 2॥

Ashtaavakra Gita. Ch 5 Verse 2

The universe rises from you like bubbles rising from the sea. Thus know the Atman to be one and enter even thus into (the state of) Dissolution.

The translation is taken from the Book Ashtavakra Samhita. Translated by Swami NityaSwarupananda, Advaita Ashram 

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Now if this is not yet your reality then read along….

The word KARMA literally translates to action. Now if you sit with this and contemplate a little on it then before taking action even a mental decision prior to that action, is a natural response that is rising within you. If you are attached to its cause and effect you are considering it to be your Karma.

Thereby, it is not just the action alone, but the first RESPONSE that emerged in you naturally, whether you acted upon it or not, can be considered your Karma.

I invite you to meditate/contemplate on it a little deeper.

Can we call the basic functioning of our body Karma?

Yes, we can. Our body is alive and active and is constantly responding to the process of life.

Will you be constantly bothered about how your heart is beating, digestion is happening, and breath reaching the body through blood vessels? 

I don’t think so.

Do you worry that, because you have bad Karma the next breath might not come? 
No right? It would be ridiculous to fathom such a mindset.

Then my question to you my friend is, why is the above not yet your reality? 
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Now let us go a little deeper – 
Your existence, which you refer to as “my life,” is essentially a complex combination of energetic information. Memories or data.

From the time that you were born till this very moment that you are reading this, your response to life is heavily dependent on the past impressions that influenced your perception. 

Everything that has gone into you knowingly or unknowingly, willingly or unwillingly has caused you to become who you are right now. 

Therefore, The Karmic Body is the Causal Body. 

Unless you wake up and learn to look at life from a far-off perspective you will continue to perceive Life to be entirely causal.

There are 4 layers of Karma or Action that is happening naturally – 

1. Physical
2. Mental
3. Emotional
4. Energy or Vibrational

There are 3 Types of Karma or Action:

Sanchita Karma – The Entire load of memory right from the start of Life itself.

Prarabdh – I call this your inheritance.

Aagami – what’s next?
Basis the actions you are now taking, an effect or impression is happening in you. That will give rise to numerous possibilities in the immediate or distant future. Therefore Aagami is simply numerous possibilities. And thus, is to an extent in your control.

Too much noise on this topic. Past Life.

The version that says My Soul and Your Soul is the version of the EGO.
What is Ego?
Your self-protection mechanism of the inherent fear of Fear itself.

We discussed above, our attachment with the 9 gates and self-identification with them. This is the reason we consider the concept of the Soul to be an individual identity. And therefore the half-baked theory of ‘in my past life, I was this and I was that’.

This is a highly restricted perspective. And focusing solely on past life healing can lead to ignorance and obsession with the past, trapping you in an endless loop of questioning why it happened, rather than reaching liberation.

There is no end to your healing. Because there is practically no end to your perceptions. Past lives are simply impressions and perceptions that we have inherited. It really is that simple.

My wise mother once said – how many wounds are you carrying that your healing never stops? That very week I realised that the missing piece of the puzzle was my perception of my perceptions. Whatever perceptions I am observing, instead of observing them to be energetic vibrations, I am creating more perceptions, thereby impressions on me. It’s a never-ending loop and every moment I am choosing to stay trapped under its wraps. My mother is straightforward and I grew up that way. Instead of feeling Oh! Poor me, I have more of a solution-oriented mindset. That very week I stopped my never-ending healing process that I mistook as dedication. And I have never looked back since then. Never felt better in my life before that day.
If you do not understand something, how will you ever make it your reality? If you get attached to the process of understanding, the path that was meant to liberate you, it’s not the fault of that path. The fault lies in your understanding of it. The path, in fact, all paths lead us to pure consciousness. Let me give you an example here. If you want to travel from New Delhi to New York. You have a connecting flight from Frankfurt, Germany. Instead of boarding the onward flight, you decided to explore Frankfurt. You stayed there for a few days and went onwards to your original path. But if you start considering Frankfurt to be New York then is it the fault of Frankfurt? You twisted your perception. Own it. Move on.

There is just One Soul or Consciousness. Atman – Self. Which is Brahman – Forever in expansion.

You are that. Tat Tvam Asi.

I AM That Brahman. Aham Brahmasmi.

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Therefore Past Life can simply be put as all the memories & impressions ever registered in the Journey of every single PERCEPTION/MANIFESTATION of the Journey of The Soul.

What you consider to be a Past Life Baggage, creating a hurdle in the smooth flow of your current life, are the numerous little filters or impressions through which you perceive every event of your life. That you acquired along the journey till the here and now.

How you perceive is how you are going to respond to life situations right?

If you are able to drop your attachment to your body and senses and emotions right now, you are realised. 
You are free. You are beyond Healing.

Because you are not growing or evolving, you are simply closing in, to realising what you already are. You are complete or purna (पूर्ण) right now. Can healing therefore be considered as simply a change in your perspective?

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If there is still attachment and identification then read along.

Healing is required when you consider yourself fragmented or wounded.

However, if Brahman and Pure Consciousness is your reality and not just your area of interest or knowledge, then you don’t need healing.

If not then read along:

Reasons why one should heal themselves:

1. Patterns running in your life or in your family.
2. Genetic Disorders.
3. Troubled by Spirits or Stuck energy interventions.
4. Recurrent dreams of a particular story from various angles.
5. Property or business disputes.
6. Stuck in general.
7. Marital discord is almost similar to either your parents or someone in your previous generation or the same.
8. Mental health challenges.
9. Unable to take action even when you know it is necessary.
10. Anything that makes you feel uneasy, or uncomfortable and you cannot seem to find a fix on your own or cannot trace the reasons consciously.

The concept is not limited to this list and to each our own. Be open and you would know if you are carrying a Pitr Dosha or a Past Life baggage in your lineage.

To read more about it click below:

Pitr Do Sha

Healing is a personal choice. Whether to or not to is a personal choice. The way your life is right now, it will continue to be this way and daily life situations has the potential to fix themselves on their own if you allow the process by pulling yourself out of ego, fears and control. If you let life take its course and stop interfering. 

Does life have any alternative? 
Can you deny the reality that there is a subtle awareness in everything that you are doing?
If forever a witness to that reality is your personal reality, then you are Whole already. And this question is irrelevant to you.

If this is not your reality and you want to see it for real, then read along.