Because my spiritual beliefs are probably not traditional in any sense of the word, I have often felt uncomfortable expressing them or discussing them publicly...I choose not to be uncomfortable any more.
In prayer, I mostly speak my mind, to great effect. I don't always get the answers I'm looking for or want, but yes the answers do come. I also, often use wonderful guide prayers that I have found in many different books over the years, the most beautiful usually coming from one of my many favourite Doreen Virtue books, collected over time. When sharing prayers or affirmations with others, as learnt through Doreen's teachings , I suggest that those wishing to also use them, tailor them to fit their own needs and belief systems.
By giving and accepting payment for service, we perform an energy exchange where the giving expended is balanced by the payment received. [with thanks again to the teachings of Doreen Virtue for helping me to understand this]