Karma is like opening a bank account. We have choices on how much money we want to put in, to add to our balance or how much we want to withdraw. We can choose different investments that result in interest to increase what we have in our account. We can also choose to use credit card in which we pay interest on what we spend. The choice is ours to make.
Similarly, we have a karmic account. Each day we can choose whether we want to engage in thoughts, words and deeds… Principles of karmic accounting