Okay, yeah, personally? Not a big fan of the Karmic Boogeyman. I know he lives under a lot of Pagan beds, grabbing ankles and scaring people into idleness. But honestly, all you have to do to vanquish him is take responsibility for your words and your actions. Own what you do, accept the positive and/or negative consequences, The End. Not the most popular metaphysical point of view in this day and age, but there you go.