While in the subtle body, we create many plans to enjoy sense gratification. These plans are recorded in the spool of ones mind as bija, the root of fruitive activities. In conditional life the living entity creates a series of bodies one after another, and this is called karma-bandhana. As explained in Bhagavad-gita (3.9), yajnarthat karmano nyatra loko yam-karma-bandhanah: if we act only for the satisfaction of Visnu, there is no bondage due to material activity, but if we act otherwise, we become entrapped by one material activity after another. Under these circumstances, it is to be supposed that by thinking, feeling and willing, we are creating a series of future material bodies. In the words of Bhaktivinoda Thakura, anadi karama-phale, padi bhavarnava jale. The living entity falls into the ocean of karma-bandhana as a result of past material activities. Instead of plunging oneself into the ocean of material activity, one should accept material activity only to maintain body and soul together. The rest of ones time should be devoted to engaging in the transcendental loving service of the Lord. In this way one can attain relief from the reactions of material activity.