Are money spells bad?

Yes, money spells can be bad, but that doesn't mean they are going to have bad results all the time. That's why you get mixed reviews.
In the end, it's your choice to take the risk or not. Just be careful during the spell and what your intent is.
Good luck.

I'm only keeping this alive for further thread-topic information on money spells.

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It is my personal opinion that doing money magic for yourself often won't work because of the honestly hidden desire for more, and lack of appreciation we may have for what we have already. Ergo, greed. Money magic worked for another person in my experience tends to be more effective because it's not clouded by personal bias, or personal ulterior motives.

This is not to say that money magic is ineffective for personal use, because a standard for personal upkeep is desired by all, and I see no harm in keeping up one's standard, within reason. It's the "within reason" where dharma tends to come in, and the Divine Economy decides what balances should be melts with the emerging energies out of the magic, whether it be a poppet or talisman or what have you.

Because there are people who notice them, question them, hold judgement, disbelieve in them, and all those forces at work all influence you too. That's part of the subtlety.

I am willing to sacrifice sleep to make sure I am able to get a decent pay right now: I have no car, so I carpool in at 7:30am for a shift that starts at 4 pm till midnight (chef at restaurant) until I get a ride from my friend. Pays well, and I bring home decent money to pay things, and I practice massage on the side. It is my choice to go forth myself and use my mundane energies to make money, rather than find mystical answers or solutions, when the mystical will influence the mundane in ways I can't foresee. I know what to expect with my choice (within reason) and can allow some space for change within this for other natural magical experiences.

I'll get back to that thought later, it's becoming not cohesive at this hour, sorry all! :|