Another important thing, please understand this concept.
Assume that in your total sanchita karma baggage, 100 desires are related to your muladhara chakra, the energy center related to greed and lust; 100 desires are say related to swadhishthana chakra, the energy center related to fear, 100 desires are related to your manipuraka chakra, the energy center related to worry, etc. Assume you have 700 such desires, 100 related to each of the seven chakras.
From this set of 100 desires of each chakra, you take say 10 of each and come into this world. This small selection of the total sanchita karma is your prarabdha karma of this birth.
Another important thing to note is that if you don’t add gathered agamya karma to this birth’s prarabdha karma, this birth karma can dissolve just by breathing. It will dissolve in your thought pattern itself.
For example, on seeing someone if lust awakens in you, in that intention and emotion itself the karma of this birth, the prarabdha will dissolve. Instead when you commit the action to fulfill the lust, the act generates gathered karma, the agamya. If you don’t do the action, you will not collect gathered agamya karma. By breathing out the desire this birth’s prarabdha karma will dissolve. Breathing awareness into the desire has the capacity to burn your unfulfilled desires and can dissolve this birth’s karma.
In our second level Nithyananda Spurana Program, participants are taken through a meditation in the pranic layer to dissolve desires, which are the samskaras stored in that energy layer. They list all their desires, then chase their desires during the meditation and by breathing in awareness into their desires they dissolve the samskaras of this birth.
Karma is not a law of reward and punishment. It is not a way god uses to punish people for committing sins. It is a reflection of your own mental state giving you the experience of ‘heaven’ and ‘hell’.
When you are angry, it is not that you will incur sin and pay for it in your next life. You are suffering with your anger now. That itself is the hell you suffer! You are suffering inside in the same way that you are torturing the person you are angry with. The fire you spit outside will burn with the same intensity inside you also. No matter whether it burns the other person or not, the fire of anger will surely burn you. The sword used to cut someone outside will cut you inside with the same intensity. Remember, it is a double edged sword.
source: Living Enlightenment