The Wealthy Spirit Insider

    Major Money Malady—Buying on Time

    Posted on September 18th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    261-September 18

    “The quickest way to double your money is to fold it in half and put it back in your pocket.”—Unknown

    We don’t pay for anything up front any more. When we want something, we get it. If we don’t have the money, we charge it. We buy everything on time. The longer the time, the more money we pay for the item. But the payments are so small, we forget.

    Rennie Gabriel, in his book Wealth on Any Income, gives an illuminating example of the total amount we end up paying for products purchased on credit. He states that a dining set on sale at a department store for $648 (including tax) costs the store approximately $300. So if you pay in full up front, the store makes a profit of $300 (excluding tax).

    But this dining set can be purchased on credit with payments as low as $12 per month. The interest rate charged to customers at most department stores is currently over 20 percent and in his example, the actual interest rate was 21.6 percent. At $12 per month, a person would be making that payment for over 17 years before the dining set would be paid for in full. And instead of paying $648 for your dining set, it would cost you at staggering $2,460! That’s a profit to the store of $2,160.

    Of course stores want to extend you credit—they would much rather be paid $2,460 than $648. And you thought it was a good bargain because it was on sale…

    This is a money malady that keeps us cash-poor, debt-ridden, and financially stressed. We feel the pain every month when the bills come in, but we pay our minimums and hope it’ll be better next month. But unless positive action is taken to control our spending and live within our means, next month won’t be any better. Most of the time, next month is worse because we have once again used those charge cards in a flurry of impulse buying. We live in denial of the fact we have a problem until we can’t meet our monthly minimum payments.

    This month, why not start a savings account for the major purchases you want? Then you’ll pay only for the item itself and no interest. You’ll even make some additional money from the interest on the savings account.

    If you can’t do the time, don’t borrow a dime.

    Today’s Affirmation: “I am rich and pay cash for all the material goods I desire.”

    If you can do the time, and have a reasonable plan and budget for paying off your loan, and it’s a sensible purchase, then it is great idea to take a loan!

    No, I’m not negating anything I said on this page of The Wealthy Spirit. But you can go too far to avoid borrowing money, too.

    You need to have a credit card in our modern society: to make an on-line purchase, to establish credit, to book a hotel room, or rent a car; to spread out payments over time for something that is a smart or needed purchase today.

    Some people get so anxious about borrowing money that they cut up all their credit cards and only use a debit card. Oy! I think that’s a really bad idea. Look, if someone steals your credit card and uses it, you get a bill for the unauthorized purchase, you object to it, and it’s taken off your bill. But if someone steals your debit card, they can take all the money out of your bank account and leave you with nothing. Yes, the bank will give it back to you after the matter is resolved, but it can take 4-6 weeks for that to happen. What are you going to do in the meantime with no money?

    Use credit wisely. Don’t have too much or too little.

    The middle path is usually the right path, isn’t it?

    Hey, You! Pay You!

    Posted on September 17th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    260-September 17

    “When a man begins to think seriously of saving for a rainy day, it’s probably a rainy day.”—Anonymous

    The savings rate in the United States has been on a downward trend for many years, even during times of a robust economy. U.S. households save far less than those in most other industrialized countries. Here are the savings rates from recent years:

    South Korea 18.0%
    France 13.6
    Italy 11.7
    Japan 11.2
    Germany 11.0
    Britain 10.8
    United States 3.8

    People neglect to save because we wait until the end of the month when we’ve spent all the money to try to save. Then we vow we’ll save next month. And then next month. And so it goes. The habit of spending is entrenched and the habit of saving never gets a chance.

    Save money. SAVE MONEY. S-a-v-e M-o-n-e-y. Hold on to a portion of all the money that comes to you. Save and invest a measly 10 percent and spend all the rest. Live on 90 percent of your income. Follow this simple plan every day, every week, every year. Teach your children to do it, too, by the example you set. Do it now.

    I know, it doesn’t look like there will be enough money to do everything else you have to do. But magic happens when you make a commitment to your financial fitness. Take the right action, even when you don’t know how it will all work out, and, as they kept repeating in the movie Shakespeare in Love: “Somehow it will all work out. I don’t know how. It’s a mystery.”

    Start with a baby step, but take a step today. Whatever money you get today, save 10 percent of it. If you can’t do 10 percent right now, start with 5 percent. Or twenty bucks. But start. It’s a habit waiting to happen. One day at a time.

    Today’s Affirmation: “I pay myself promptly and profitably, and therefore I prosper!”

    I have been so grateful that this book “The Wealthy Spirit” has helped people. I spoke with a woman who said she bought it in 2006, when she heard me speak at a group in Orange County called the Inside Edge. When she finished the book after the year of daily pages, she put it away for awhile, but found she missed the messages. So she pulled it out again and has been reading it every day since.

    A  while ago, I was at a networking meeting here in Los Angeles. Each of us got to stand an introduce ourselves to the group, and then give a testimonial to someone in the room whose services you had used. A young woman stood in the front of the room and cried as she spoke about how my book “Zero to Zillionaire” had given her faith, purpose, and direction when she was at a really low point in her liife.

    I never imagined that people would respond to my writings in this way. It is very humbling, and I feel so blessed to have been able to help people I have never met weather the storms of their lives and move forward towards happiness and prospertity. I just finished the final proof of my new book, “From Worry to Wealthy: A Woman’s Guide to Financial Success Without the Stress” and I hope that it, too, will be helpful to many people.

    This is the major reason I say I’m not going to retire. Because if you are doing work you love, that inspires and drive you, you aren’t looking forward to not doing it. Being able to help people is such a fine thing you don’t ever want to give that up.

    I thank God for letting me be of service.




    Appreciating vs. Depreciating Assets

    Posted on September 16th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    259-September 16

    “Debt is a trap which a man sets and baits himself, and then deliberately gets into.”—Josh Billings

    This is the story of the new car I didn’t buy. At least, not right away….

    I had weathered many financial storms, but the sun was shining now. My new business was booming. I was earning good money, saving regularly, and was on the road to becoming debt-free for the first time in my life. I did my positive affirmations daily and my “High Budget” was becoming a reality. Then I happened across a brand-new Lexus GS 300.

    A brilliant, sparkling, gold, sporty model, I could picture my cute little red head breezing down the highway, arriving at business meetings looking and feeling rich and prosperous. I could afford it and it seemed like an appropriate reward for myself for all of my hard work. I started investigating, getting brochures and costs, and posted a picture of the car on the wall in front of my desk as part of my “Treasure Map.”

    Then I read The Millionaire Next Door, by Thomas J. Stanley and William D. Danko. It was like someone threw a bucket of cold water on me. The authors show how the wealthy become “Over Accumulators of Wealth” (OAWs) by behaving differently than “Under Accumulators of Wealth” (UAWs). OAWs buy appreciating assets: they invest in things that will produce more income. UAWs spend too much of their income on depreciating assets: things that lose value over time.

    I thought about what I was doing. I was about to follow the UAW pattern of spending money on something that was going to decrease in value rather than increase. Not only was I going to take on more debt in the form of an auto loan, but I was going to add a lot of attendant expenses such as increased auto registration fees, higher maintenance, and service charges. This is the UAW spending habit: to spend every increase in income on lifestyle.

    Remembering the saying: “The definition of insanity is doing the same thing over and over, expecting different results,” I knew I needed to take new actions if I wanted to become an OAW. I wasn’t on “High Budget” yet. The Lexus could wait until the total expenses connected with its purchase was a smaller percentage of my disposable income. So instead of buying a new car, I bought shares of stock in a mutual fund, added cash to my money market account, and invested in an expansion of my business.

    I kept the picture of that car on my wall for the next two years as a goal and as a reminder that I had the ability to change my behavior, plan my expenses wisely, and accumulate wealth instead of just appearing wealthy. I drive that car now with pride in my accomplishments instead of nervousness about the expense.

    What picture do you have on your wall? What do you have to accomplish before you get it?

    Today’s Affirmation: “I deserve rich rewards because I do what it takes to earn them.”

    Last year, I got a call from a phishing scam.

    The man on the phone called, sounding like many other telephone solicitors. He said he was from my bank, and I was on a list of special accounts that they were making a special offer to (and don’t we all like to feel our bank thinks we’re special?)

    It was for a new credit card with lots of rewards attached and a zero interest rate for the first year, and 1.99% after that.

    Well, that was quite a deal, and although my credit cards are good, they weren’t that good, so I said, “Okay, I’ll take it.”

    The man went through all the pro forma features, confirming my name, address, etc.

    And then he asked the question that sent the red flag up and the horn blowing in my mind. He said, “And what’s your social security number?”

    Urrrrrr…skreech to a halt!

    “Wait a minute,” I said, “if you’re my bank, you already have my social security number.”

    “Well, we’re a different department and we don’t share information between departments,” he explained.

    No, no, no. I knew that this was a bogus call and a scam. I remember getting an email warning about this very thing. The emails said the scammers would sound so good and professional and they seemed to already have your pertinent info. But they needed one thing to put it all together and steal your identity: your social security number.

    I said, “No. We’re done here.” And hung up.

    I called my bank’s fraud department to tell them what happened, and they said, yes, it was a phishing scheme and those guys are out there all the time trying to get people to fall for it.

    So don’t fall for it! Good luck out there, dolphins!

    Almost a Millionaire

    Posted on September 13th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    256-September 13

    Almost a Millionaire

    “No man can tell whether he is rich or poor by turning to his ledger. It is the heart that makes a man rich. He is rich or poor according to what he is, not according to what he has.”—Henry Ward Beecher

    The lottery jackpot had been thirty million dollars. I checked my numbers in the morning. Nope. I hadn’t won it.

    At lunch that afternoon, I sat next to my friend, Dori Jackson. A wonderful, creative art teacher, she always had the ability to make me laugh. She showed me the winning numbers:

    4 9 16 32 33 46

    Then she showed me her ticket with the numbers she had picked:

    4 9 16 32 33 47

    Clutching each other’s arms, we wailed together. So close!

    But Dori laughed. She was beautiful in her gratitude for the sixteen hundred dollars she did win, since she got five out of six winning numbers. She refused to participate in the “coulda-shoulda-woulda” of her near miss for the millions. She looked me in the eye and said, “Yesterday I had a dollar. Today I have sixteen hundred dollars. This is good!”

    Do you have a favorite story of a near miss? Can you tell it happily, or do you tell it with regret? If you let go of outcomes, your whole life is just one, long, interesting story. Some wins, some losses. Keep looking forward to the next win and you’ll be happy every day of your life.

    Today’s Affirmation: “I celebrate every demonstration of abundance in my life!”

    “My friend and I almost won a million dollars,” shared Steve, the poker player sitting next to me at the table.

    He shook his head with regret and told me his story.

    “We were in Las Vegas and this casino has just installed the very first million-dollar jackpot machine. My buddy and I were standing in front of it and joking and talking over what we were going to do next. We planned to sit down at the machine and play for the million dollars and were figuring out what amount we would each put in, when a young surfer-dude type sat down at the very machine we were going to play.

    “In only a few pulls of the slot machine handle, suddenly the machine went crazy – lights started flashing and music started playing,” said Rick, shaking his head. “He did it – he hit the million dollar jackpot on the very machine we were going to play!”

    “Oh, I’m so sorry,” I commiserated. “That must have hurt!”

    “Yep,” Steve sighed. “It still does.”

    And I could see it did. Every time he replays that memory of loss, he hurts himself again with it.

    Are their losses in your life that you replay over and over again? Life may have hurt you once, but you hurt yourself over and over again with your constant replays of the loss.

    Don’t replay negative experiences. Find the lesson, learn and grow from the experience if you can, but in any case, move on! Let the past remain in the past, except for glorious winning moments that you bring out frequently to revel in and enjoy again and again.

    Life has many misses and many hits. I want to play the Hit Parade, not the Sob Story, over and over. And I want to create new hits, too! That doesn’t come from the energy of mourning or feeling like a victim.

    Focus on what you want, and let go of the images of what you don’t want. You’re creating your future from what you focus on now. Today, focus on winning, treasure, glory, love, friendship, caring, happy surprises, gifts given and received, life and breath, sunshine and rainbows! Put a smile on your face and embrace the day to come, with all its treasures about to be received.

    Love and blessings to you!


    Posted on September 12th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    255-September 12

    “About astrology and palmistry: They are good because they make people vivid and full of possibilities. They are communism at its best. Everybody has a birthday and almost everybody has a palm.”—Kurt Vonnegut, Jr.

    Astrology has been practiced since ancient days. I believe there is something to it, and I check in with my astrologer about important things. I read the daily horoscope in the newspaper, too, although they are careful to state that it is to be read for “entertainment.” That seems fair, since it would be hard for one little three-sentence overview for the day to be spot-on for everyone in a particular sign. It’s just the sun sign; it doesn’t take into account your rising sign, moon sign, or any other sign that might mitigate the prediction for your day.

    But you can get some great affirmations for the day from the astrology section of the newspaper. Read the one for your sun sign—if you like it, you can decide that it is a true prediction for your day today. If you don’t like it, decide that there was a mistake made, or your rising sign makes a different prediction more appropriate for you that day…you get the idea. Then read all the horoscopes for each sign and choose the one you like best as your forecast for the day.

    I’ve saved a few that make me feel good when I read them. I pick one out now and again to be my positive astrology affirmation for the day. Then I rewrite them as positive affirmations to add to my list. Here are some examples of affirmations I created in the style of Sydney Omarr, whose horoscopes are published in the LA Times:

    1. “You are on the precipice of universal acclaim. Fame and fortune are coming your way today. Be yourself and you win.”

    2. “This could be your power-play day. Concentrate on putting forth your best effort. Great success is just around the corner.”

    3. “Today is your kind of day! What appeared to be out of reach will be yours. Emphasis on love, friendship and partnerships.”

    4. “Good things in store—financial picture brightens. Astrological cycle highlights production, intensity, reward.”

    5. “Time to celebrate! Hopes, wishes, desire fulfilled in fantastic manner. Many are talking positively about your talent, personality, and luck. You’ll receive rewards.”

    The guiding principle is—if it makes you feel happier, believe it. If it makes you feel worse, don’t believe it.

    Today’s Affirmation: “Today is my kind of day! Great success here to stay!”

    Something to make you laugh that I found on the internet one day:

    Dear Lord,

    So far today, God, I’ve done all right. I haven’t gossiped, haven’t lost my temper, haven’t been greedy, or grumpy, nasty or self-centered. I’m really glad about that.

    But in a few minutes, God, I’m going to get out of bed, and then I’m going to need a lot of help.

    Thank you!

    Feng Shui and Fountains

    Posted on September 11th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    254-September 11

    “The most powerful emotion we can experience is the mystical. It is the power of all true art and science. He to whom this emotion is a stranger, who can no longer wonder and stand rapt in awe, is as good as dead.”—Albert Einstein

    Pat McKee is a rock hound. She loves her rocks. She knows the mystical properties in every stone, every crystal, and generously shares her information. Under a tree-shaded patio in San Dimas, California, Pat teaches people to build feng shui fountains to put in their homes. Feng shui is the ancient Chinese art of object placement, which can affect the harmony of your life positively or negatively. Pat helps each workshop participant to create a fountain with rocks that promote health, wealth, loving relationships or any other particular quality they desire.

    Some people swear feng shui works, and that rocks and crystals can promote certain energies. Other people think it’s New Age hogwash. I’m for anything that works, so I took Pat’s class and built a fountain. I decided to believe that this would work for me, and I would be richer from doing it. I rearranged things in my house to be better aligned in the feng shui mode, and put wonderful wealth-enhancing stones in my fountain. Here’s what I used:

    1. Citrine: Called “The Merchant’s Stone,” it attracts abundance

    2. Variscite: Encourages the flow of energy fulfilling the need

    3. Tiger Eye: Stimulates wealth and enhances the stability required to maintain wealth

    4. Vanadinite: Thrift in spending

    5. Diamond: Good amplifier; inspires forces of accumulation. Helps manifest abundance in all areas of life. (I put an old gold ring with diamond chips in the fountain for this one.)

    6. Gold: It’s gold!

    (Continued on page 254 of The Wealthy Spirit)

    Today’s Affirmation: “I use all the knowledge and power available to me to create the life I desire!”

    Today is the anniversary of the destruction of the World Trade Center in New York.

    I remember that day vividly. My phone rang about 6:00 am and I groggily woke and said, “Hello?”

    My friend Lesleigh said, “Oh my God, Chellie, turn on the television.”

    “What’s happening?” I asked. “What channel?”

    “It doesn’t matter what channel,” she replied. “I’ll talk to you later.”

    Anxiously, I turned on the TV and my breath caught as I saw the smoke pouring from the first tower and heard the newscaster saying a plane had flown into it. It was being treated as some terrible accident…that is, until another plane flew into the other tower. And all the world realized together that this wasn’t an accident, it was a planned attack by crazed terrorists…

    Such shared experiences forever changes us, bonds us together in new ways. I remembered back to a similar shocking experience the day John F. Kennedy was assassinated when I was a sophomore in high school. His brother, Robert Kennedy, was shot to death at the Ambassador hotel just hours after I had seen him speak in Santa Barbara when I was attending UCSB. Not long after, another dark day came when Martin Luther King, Jr. was shot and killed; and then John Lennon, too. The list is long.

    There is a bell-curve of humanity: the saints, heroes, and geniuses are at one end of the scale, and the murderers, tyrants, and fanatics are at the other. Most of us are in that great vast middle called normal human beings. We glory in the best of us, and shudder at the worst.

    Today I remember the fallen heroes of 9/11, mourn their loss, and celebrate their lives.

    Art, Music, Dance, Poetry

    Posted on September 10th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    253-September 10

    “The poet speaks to all men of that other life that they have smothered and forgotten.”—Dame Edith Sitwell

    When financial cutbacks hit the school system, the arts are usually the first things to go. But they should be the last. We need art, music, poetry, dance. We need it in our lives every day, not only on special occasions when we dress up and go to the theater to watch spectacular artists performing spectacularly. Where poetry meets the mind and dance frees the body, we escape the bonds of earth and circumstance, and live beyond our time and space. The arts reach us on a soul-ular level, lifting us up from the humdrum of everyday chores to vivid realms of imagination and possibility. Creativity sparks, imagination rises to meet the challenge, and inventors conceive anew. Without the arts, creative expression dies, and school can degenerate into a memory test of names, dates, and places.

    Today, I invite you to write poetry. Have you every tried it? When was the last time? If you never have, here’s a new experience to enjoy. I hadn’t written poetry in thirty years. But I sat down to write a money management book, and one day, poetry flowed out. It was surprising. It was fun. I didn’t realize how I’d missed it. Here’s a sample from my poem, Road Repairs:

    “Fourteen men in four-ton trucks
    Rope the road that twists and bucks
    They brand a hot new blue-black skin
    Where once old pock-marked scars had been.
    I, too, have shouldered such a load
    With layers thick of rocky road
    Buried deep beneath new skins
    I paste on top to hide my sins.
    And I will bear more troubles well
    Because this road has led through hell
    Resurfacing in brighter days
    I slowly learn to change my ways….”

    You don’t have to be Robert Frost, Dylan Thomas, or Maya Angelou. Just a human being. It costs nothing to write a poem. Just a pen and piece of paper and you can play with million-dollar words, with crazy, happy rhymes, with buzzing, beautiful sounds of syllables. Clash them, mash them, make words up. Flow with it. Don’t criticize or edit yourself today. Experiment. Write for the joy of writing, for expressing your soul’s beauty. Write your feelings, your passion, your pity, your fury. Free associate, then connect the dots. What have you learned? What lies deep within you that needs art, poetry, music to find its way out?

    Write something. Paint something. Sing. Put a record on and dance. Just for the joy of it.

    Today’s Affirmation: “I have the soul of an artist, and music and poetry fill my life.”

    Here’s a little poem that always made my mother laugh with recognition. Now, years later, it’s found new resonance with my sisters and I:

    Just a line to say I’m living
    that I’m not among the dead
    Though I’m getting more forgetful
    and mixed up in the head.

    I got used to my arthritis
    to my dentures I’m resigned
    I can manage my bifocals
    but God, I miss my mind.

    For sometimes I can’t remember
    when I stand at the foot of the stairs
    If I must go up for something
    or have I just come down from there.

    And before the fridge so often
    my poor mind is filled with doubt
    Have I just put food away
    or come to take some out?

    And there’s times that it is dark
    and my night ca’s on my head
    I don’t know if I am retiring
    or just getting out of bed.

    So if it’s my turn to write to you
    there’s no need to get sore
    I may think that I have written
    and don’t want to be a bore.

    So remember that I love you
    and wish that you were near
    but now it is nearly mail time
    So I must say goodbye dear.

    There I stand before the mail box
    my face so very red
    Instead of mailing you my letter
    I opened it instead.–Author unknown

    How to Schedule Time Off

    Posted on September 9th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    252-September 9

    “Most people are so busy knocking themselves out trying to do everything they think they should do, they never get around to do what they want to do.”—Kathleen Winsor

    People often ask me how I schedule time off. Their lives are so crowded with work, family, hobbies, outings, appointments, obligations, etc. that they look at the calendars and just can’t see how they can get everything done and still have “Do Nothing Days” or regular time off.

    It’s really a very simple process. You open your calendar, pick a day, draw a line through it, and that’s your day you’ve booked with your most important client—yourself! People who are over-committed often gasp and laugh nervously when I tell them this. They are overwhelmed with too much to do. I ask them how often they get sick. When they say “Pretty often,” I tell them that that is their body’s message to them to take a break and lie low for a while. Wouldn’t it be better to take the break while you’re well so you can enjoy it? Get in front of the process and plan time off instead of letting the cold catch you when you’ve run yourself down.

    When someone wants to schedule a meeting with you on your day off, don’t tell them “Oh, no, that’s my day off.” You’ll feel guilty and they’ll talk you into meeting with them, and now your day off has become a work day. You just say instead, “Oh, I’m sorry, I’m booked that day, how about next Thursday instead?” You really can do this—it works great!

    Someone will always ask me at this point, “Well, what if the most important person in the world calls to meet with you that day and you could make a million dollars and they are only going to be in town that one day—what do you do then?” I tell them that’s why they made erasers—so you erase the line you drew through that day on the calendar and schedule the million dollar meeting. But then you immediately draw a line through an alternate day on the calendar and that new day becomes your day off! Trading days is okay—canceling days off completely is not.

    You schedule time off as a commitment to your health and your sanity and to replenish your supply. The irreplaceable million-dollar piece of business equipment you own is your body—treat it with care, respect, and regular maintenance. You deserve—and need—regular breaks!

    Today’s Affirmation: “I love my life!”

    I am now officially an expert at scheduling time off.

    I wasn’t always, you know. For many years, I was the Queen of Over-Commitment, running hither and yon, doing too many projects, attending too many business events, never getting enough rest, relaxation, or vacation. You know the type. Triple AAA.

    Life is so much more enjoyable at a more relaxed pace! I make sure to leave big blank spaces in my day runner so I can choose to relax or go out with friends or be spontaneous. (I remember when the men’s singles ads used to say they wanted a gal who could be spontaneous, and I would think. Sure! I can be spontaneous next Tuesday at 3:00…I have a feeling that’s not what they meant.)

    Life goes by faster as we get older. Someone told me once that the reason for that is that when you’re 20, one year is 1/20th of your life so it seems longer than when you’re 60 and one year is 1/60th of your life. It’s harder to hold on to the moments that seem to pass so swiftly. It seems I have just left for a vacation when suddenly, I’m returning from it. Where did all the time go?

    We must make space and time in our busy lives for contemplation, meditation, and just goofing off. I love the blank spaces in my schedule where I feel free to make a decision in the moment about what I want to do, instead of rushing to do what I must do.

    The real purpose of life is to enjoy it.



    Schedule a trip, Dolphins! Then send me pictures and trip reports! The real purpose of life is to enjoy it.

    The Sprinter and the Long Distance Runner

    Posted on September 8th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    251-September 8

    “Time is a great teacher. Unfortunately, it kills all pupils.”—Hector Berlioz

    The sprinter runs at top speed, with an all-out burst of energy, heart pounding and legs pumping to beat the wind to the finish line. Exhausted, lungs bursting at the end, the racer collapses and rests. He will sprint again. Later.

    The long distance runner cannot sprint—the course is too long. He must learn a different set of skills; he must know how to pace himself, to select those moments in which to push harder and faster, when to ease into the regular run for maintenance.

    Life is not a sprint. It is a long distance race.

    Too many people are pushing themselves at top sprinting speed every day, every week, year after year. They don’t pace themselves. They don’t take a break to recover after a big push to meet a deadline—instead a new deadline takes its place and a new sprint begins. The project gets finished but another project stands urgently behind that one. And another. And another. The sales quota, when met, gets raised. Like a meal rushed to its conclusion, the achievement is gulped untasted. Burnout of mind and body arrives after too many sprints in a row.

    When was your last vacation? When was your last three-day weekend? What day of the week is your “Do Nothing Day”?

    Are you trying to sprint long distance?

    Today’s Affirmation: “My life is beautifully paced, with nurturing rests between triumphs.”

    Today’s guest blog is a wonderful piece on accountability by my friend and relationship coach, Curt Gorlick. He outlines pertinent questions to ask yourself, and stresses the importance of choosing the right people to help you on your way.

    Accountability: Is it Important?

    Accountability is one of the most overlooked and undervalued pieces of the puzzle to achieving personal and business goals. Without accountability many things in your life would not be present. In fact, lack of accountability could be the biggest reason why you don’t currently have what you want in life.

    When you choose the wrong person to be accountable to it is counter-productive and a waste of precious time and money. Here are some examples of choosing the wrong person to keep you accountable.

    1. Someone who is toxic to you.
    2. Someone you do not admire or look up to.
    3. Someone who doesn’t believe you can achieve the goals you’re seeking.
    4. Someone who is not committed to your end results.
    5. Someone who does not know how to keep you on track.
    6. Someone who buys into your excuses for not having done the work you promised to do.

    On the flip side of the coin, choosing the right people will turn your life and business around. Here are some examples of choosing the right accountability person for you.

    1. Someone who believes you can do whatever you commit to.
    2. Someone who has an interest in your success.
    3. Someone who you will look up to and appreciate.
    4. Someone who is an expert in the area you’re looking to success in.
    5. Someone who knows how to keep you focused and on track.
    6. Someone who knows how to shift your current mindset to one that will get you where you want to go.
    7. Someone who you made a financial investment in.

    It’s all about the choices you make in life. These choices will either keep you stuck or move you to where you want to be.

    Look at some of the impacts of poor choices.
    • The growing number of people getting divorced.
    • Those who stay in bad relationships because they give up on themselves.
    • Solo-preneurs, home base business and small business owners who are stressed out and overwhelmed because they have a mindset that they have to do everything by themselves.

    Life is short, my friends. If you’re spinning your wheels and losing sleep at night worrying about all the “what ifs,” this information is coming to you at a good time.

    Here are some tips to help you out of your “what ifs.”
    1. Start looking after yourself first. Remember, it starts at the top.
    2. Don’t confuse looking after yourself first with meaning you are on your own. Instead, it means changing your focus and mindset to realize that there is a great deal of support available to you. You just need to ask for it.
    3. Discover how you learn and process information. Do you learn by reading or listening to people? Do you take action once you get the information you need, or do you require someone else to make you accountable for the things you say you want? A lot of people don’t consider this crucial step. It is very important to know who and what will keep you on the right track to get the life you want.
    4. Be aware of who you ask to help you to get what you want and make you accountable for your actions. Consider your focus. Is it in your personal or business life? Do you ask people because they are your friends or family members? Who do you want your accountability partners to be? Choose wisely.
    5. Want to speed up your results? Then team up with someone who already has what you want to achieve.

    Being accountable is vitally important to success in anything you want to accomplish. Whether you’re looking to find what makes you happy, have better relationships, create your balanced life, or grow your business, being accountable to someone is of utmost importance.

    When you start your quest to become the person you want to be, how do you stay on the right track? Who will be on your side to cheer you on? Who are you accountable to now? How is that working?

    Known as the “Life Choice Strategist” Curt Gorlick is an expert coach on mindset and successful life skill strategies. With his thought provoking questions, success tools and resources, Curt breaks down barriers that keep people stuck from living the life they truly want. Curt had gone through very difficult times and now lives the life he loves. By way of coaching, writing and speaking he helps others live the life they want. Learn more and connect with Curt at

    Swimming in Corporations

    Posted on September 6th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    249-September 6

    “I will smile at friend and foe alike and make every effort to find, in him or her, a quality to praise, now that I realize the deepest yearning of human nature is the craving to be appreciated.”—Og Mandino

    There is a dynamic between business owners and employees that is disempowering to both: resentment. Employees often feel that they are unfairly exploited, that they aren’t paid enough, that they don’t enjoy enough privileges, perks, benefits, freedom, etc. They feel trapped by the bargain they have made to exchange dollars for time, then resent the time and feel the dollars aren’t enough. They criticize the way the business operates, the rules and regulations formulated to govern them, and turn a resentful eye on those bosses above them that they see making more money, driving nicer cars, living in bigger houses in swankier neighborhoods. They feel exploited, downtrodden, used, and abused. They resent the annual reviews, the raises that are never high enough, the bonuses that don’t stretch far enough. They imagine that if they owned the business, they would pay better salaries, spread the wealth to everyone, and be universally loved by all their employees. They become Tuna.

    Business owners always seem to be taken by surprise by this attitude from their employees. They know the enormous financial risks they have taken to start their business, the long hours and sleepless nights they have dedicated to strategizing its success, and the fear of failure that lurks in the dark corners of their minds. They think everyone knows that the perks they enjoy they worked long and hard to get. They are blind to the fact that most employees don’t know what it took to create and build the business, they just see the perks and want them. The business owners become resentful of what they see as ingratitude for having provided an employee with a job and an income. Some employers become so embittered by this that they treat their employees with little respect and pay the lowest wages they can get away with.
    They become Sharks.

    The company that is divided by an “us vs. them” mentality between bosses and employees is losing a great deal of its power and focus. It will never be as effective as a company of dolphins in which everyone knows they’re on the same team and when the team wins they all win; where all involved are aware of the importance of every other person in the company; where all are respected for their talents and their individual contribution to the success of the group.

    I believe that if employees knew the risks, talents, and skills that are required to open and successfully run a business, they would appreciate their employers more. I believe every employee ought to start, not in the mailroom, but in the sales room. Let them learn what it takes to create money by selling a product or service to customers. Then they can move on to a different job, but they will never lose their appreciation for the people who, with talent, drive, and persistence, create everyone’s income. If there are no customers, no one has a job. Employers need to spend one day each quarter doing someone else’s job—answering the phone, preparing reports or doing accounting—in order to appreciate their employees. Everyone needs everyone else, and mutual appreciation eliminates resentment. They become Dolphins.

    Can you find a corporation of Dolphins? Or is it time for you to create one?

    Today’s Affirmation: “I appreciate everyone who works with me, for they help create my wonderful income!”