The Wealthy Spirit Insider

    Sometimes It Helps to Know a Big Fish

    Posted on April 19th, 2014 in The Wealthy Spirit by chellie

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

    109-April 19

    “A bank is a place where they lend you an umbrella in fair weather and ask for it back again when it begins to rain.”—Robert Frost

     

    Sometimes, when you’re a little fish, you can get what you need by enlisting the support and help of a big fish.

    After I graduated from college and got a job, I qualified to get my first credit card, a Bankamericard. (Those were the dark ages, before credit card companies found out how lucrative it was to give credit cards to students.) I used the card intermittently, and always made my payments on time. I had an excellent credit record.

    When I got married three years later, I asked to have my husband’s name added to my card. They immediately asked for me to turn in my credit card, telling me that I had to reapply for credit with my husband. (I told you those were the dark ages.) I dutifully filled out another application, along with my husband.

    They denied our application.

    They denied it on the basis that he was a free-lance actor, therefore self-employed, therefore without verifiable income. We were angry, but didn’t know what we could do, until we saw a Bankamericard commercial on television, starring Dennis Weaver. Weaver, at the time, was the president of the Screen Actors Guild! Without further ado, we wrote a scathing letter to Mr. Weaver, telling him in no uncertain terms that we were very unhappy that the president of our union was supporting a company that denied credit to actors.

    Within two days, we received a two-page letter from Dennis Weaver’s attorneys. Attached was a copy of the letter they had sent to the Bank of America demanding that this matter be rectified. The day after that, I received a call from the president of the Bank of America, asking me what he could do to make me happy. I said he could send me a Bankamericard. You can bet I had one the next day. I wrote thank you notes to him, to Dennis Weaver, and to his attorneys.

    You can have right on your side, but it helps to have might on your side, too. Is there a place in your life where you see injustice? Can you do something about it? Will you alone have enough resources to get the job done? Or do you need to enlist the support of someone else?

    Walk softly, but know a big fish.

    Today’s Affirmation: “I have powerful supporters who help me accomplish great things!”

    When I was growing up in the 50s and 60s, there weren’t any role models for what I wanted to do. In all of the families in my neighborhood, the moms were homemakers and the dads worked at an outside job. In those days, job ads were classified under “men wanted” and “women wanted” and the job descriptions were really different. Working women were secretaries, nurses, and teachers – not executives, doctors, or professional speakers. I believe I picked “acting” as a profession because it was as close as I could get to independent business owner. There was no woman I knew or even read about who owned a business.

    I was lucky in one important respect – I was the oldest child of 3 girls, and research has shown that often in these family circumstances, the father will give more success-oriented instruction to the eldest daughter when there are no male children. My dad always encouraged me to be a winner, to get good grades, to be president of a club, the lead in the school play. Still, when I brought the boys home and beat them at ping-pong, Dad took me aside and said, “Let the boy win.” Too late, dad! I loved winning and being in charge of things and I wasn’t going to stop.

    When I graduated from college in 1970, women’s lib was just getting started. “Equal pay for equal work” was the motto, and arguments were made for fair employment practices for all. The Civil Rights Act, Title VII and other legislation made it illegal to discriminate on the basis of gender. Overtly. But so much of it is subtle and pervasive that we don’t even see it, or when we do, we think it’s the natural order of things.

    Part of the problem is that women just aren’t taught or encouraged to negotiate their salaries, ask for bonuses and promotions, or research exactly what their worth is in the marketplace. In school, you work hard on your assignments, turn in your work on time, obey the rules, and bingo! You get a pat on the head, a gold star, and an A. Try that at work and see what you get: a pat on the head, additional assignments, overtime without pay. And maybe a new title – but that would also be without a raise in pay. I’ve met so many women over the years who were angry and resentful over this “injustice”. No one ever told them that the game is played differently in the real world and that to succeed in business meant they had to develop new skils like promoting themselves, tooting their horns, and asking for what they wanted – loudly and more often. Ah. But the hitch was, if you did that, you were a bitch. The “bitch hitch” is what keeps women locked into submissive strategies that don’t work.

    In the book, “Women Don’t Ask” by Linda Babcock and Sara Laschever, they outline some of the ways in which men still control the majority of the economic environments in which women live and work. Only 10.9% of the members of the boards of directors of Fortune 1000 companies are women. Although women own about 40% of all businesses in the US, they only receive 2.3% of the available equity capital needed for growth. Men get the other 97.7%.

    As recently as 2001, 98% of child-care workers, 82% of elementary school teachers, 91% of nurses, 99% of secretaries, and 70% of social workers in the US were women. 87% of corporate officers of the 500 largest companies, 90% of all engineers, 98% of all construction workers, and 70% of all financial managers were men.

    A 1999 study showed that the percentage of women used as experts in business and economic newscasts on the 3 major TV networks averaged 18%; only 31% of all business and economic news stories were filed by female correspondents, 11% of authors of business and economic news stories were women. Business Week financial articles about influential individuals focused on men 92% of the time.

    Want more information on how to master the game? I did a special free teleclass on this, and you can sign up to receive the recording here: http://http://www.chellie.com/complimentary-teleclass-041811.html

     

    Credit Cards and Spirituality

    Posted on April 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”

    108-April 18

    “When I was born, I owed twelve dollars.”—George S. Kaufman

     

    “Introductory offer—3.9 percent interest rate!” screams the envelope. It’s another credit card solicitation. I add it to the pile I’ve been collecting, muffling the yell of the last offer of 5.9 percent. I must have forty of them now.

    It’s always interesting in my class when we start talking about credit card interest rates. People clamor to find out which credit card has the best terms. Should they switch their balances to a new card every time they get a new, lower offer? How can they make sure they notice when the interest rate balloons after the introductory period? Can they call their current card and get them to lower their interest rate?

    I chuckle. All of this energy and attention is misplaced. They are treating the symptom and not the disease. The truth is if they pay off their balance every month, it won’t matter what the interest rate is on the card. As long as it is a card that has a grace period and not one that charges interest from the date of your purchase, if you pay the bill in full when you get it, you won’t owe one dime in interest.

    (Continued on page 108 of The Wealthy Spirit)

    Today’s Affirmation: “I love what a smart money manager I am!”

     

    Each year, my roommate Shelley prepares Passover supper for her family and my family gathers at one of my sister’s for Easter. I’ve always felt strong kindred for the Jewish people and traditions. It probably started in childhood when I fell in love with Charlton Heston in The Ten Commandments, although there’s a whisper of a family rumor that my grandmother was Jewish. When my Sunday school at church had a Passover Seder at Easter, it sank in that Jesus was Jewish, all the disciples were Jewish, the Virgin Mary was Jewish, etc. I mean, I knew that, but I didn’t really know it, you know? After that I just couldn’t understand what anti-Semitism was all about. Like, what do you think Jesus would say about that?

    I guess you just have to file it under “People are crazy”.

    I have found beauty in all religious traditions.  I gained insight from Sufi stories, I learned compassion and love from Jesus; I learned the Ten Commandments from the Torah.  Catholics have beautiful cathedrals, a wonderful liturgy, Gregorian Chants, and the Sistine Chapel.  The Mormons I have met have been some of the nicest people I’ve ever encountered.  Muslims pray five times a day, and the muezzin’s song calling the faithful to worship is profoundly beautiful.  I found Tao in the night-blooming jasmine outside my door, and purring of the cat in my arms.  I embraced reincarnation after reading about Edgar Cayce’s work in There is a River by Thomas Sugrue, because it rang an internal bell for me.  Many lives, many chances to discover and learn the truth—I like that idea. It’s fair. I listen to everyone and do the best I can to make my own decisions, to take the wheat and leave the chaff behind.  Someone huffed at me that I couldn’t just believe the parts of religions I liked and disregard the rest.  Sure I can.  Just watch me keep the baby Dolphin and throw the sharky bits in the bathwater out.

    My friend, Adipen Bose, said to me, “People say that in India we have 8 million gods.  That’s not it—we have 8 million aspects of God.”  That sounds right to me.  If there is a God, Creative Consciousness, Higher Power, Holy Spirit, Divine Designer of what we know in the Universe—call it “The Force” as in Star Wars—when we small humans touch upon such magnificence, can we be entrusted to see all of the mighty power contained therein?  Most likely not.  So what we do is choose aspects of God to worship, pray to, or be mindful of, and we choose groups called religions in order to bond with others and touch the Divine:  Jewish, Hindu, Catholic, Protestant, Mormon, Muslim, Church of Religious Science, Ba H’ai, et al.

    There was a survey in England in which 390,000 people listed their religious affiliation as “Jedi”.  The aspect of God I believe in would be laughing heartily with me about that!

    Can I make a request? Can women get some face time in religions now, too?  Women have been second-class citizens for eons, but you can’t keep us down in the convent now that we’ve seen the Internet.  I was brought up with the Father, the Son, and the Holy Ghost, but wouldn’t it be nice to include the Mother, the Daughter, and Women’s Intuition? The female principle needs a little more good press. We’re tired of being the villain of the Garden of Eden story.  At least we were brave enough to make up our own minds and take a risk.  Adam just whined, “The woman made me do it.”  Sheesh, Adam, you’re such a Tuna.

    Some wit said that the Eleventh Commandment was “Thou shalt lighten up!”  Let’s forget the details, look for the Universal Good in all religions and love each other.  Show me by loving example that your way is the way of a Dolphin.

    For more in this vein, see my book Zero to Zillionaire.

     

     

     

     

    Visualize Your Money

    Posted on April 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”

    107-April 17

    “The best way to reduce your bills is to put them on microfilm.”—Anonymous

    Sophie, a talented writer, was between jobs. She was thinking creatively about what to do next—should she look for employment or start her own business? She was doing research considering her options, when she realized her current funds weren’t going to cover her budget for the month. Anxiously, she thought about how she could create some additional income.

    Years before, in wealthier times, Sophie had loaned a large sum of money to a friend, who was paying it back on an installment plan. For the past three years, this person had been making payments of $500 per month. In a flash, Sophie saw that this could be a source of additional revenue. She started to visualize the friend writing a check for $2,000 instead of $500. Every day for the next two weeks, Sophie said her affirmations, believed in her abundance, and visualized her friend writing a check to her for $2,000.

    The check arrived. Sophie looked at the envelope, and held her breath as she tore it open. And there in her hands was a check for exactly $2,000.

    (I told her to visualize $5,000 next month.)

    And how much money do you want? Are you willing to believe it and affirm it daily? It’s been said that faith can move mountains. It can move money, too.

    Today’s Affirmation: “I now receive large sums of money just for being me!” (Contributed by Christiane Schull)

    Friday, April 15, 2012 was Black Friday for poker players in the United States, as the Department of Justice moved to shut down online poker sites Pokerstars, Full Tilt, Ultimate Bet and Absolute Poker to US players, and arrest the owners on charges of bank fraud, money-laundering, and illegal gambling offences.

    I. Nelson Rose, professor of law at Whittier Law School (www.gamblingandthelaw.com) writes “The Unlawful Internet Gambling Enforcement Act of 2006 was rammed through Congress by the Republican leadership in the final minutes before the election period recess. According to Sen. Frank R. Lautenberg (D- NJ), no one on the Senate-House Conference Committee had even seen the final language of the bill. The Act is title VIII of a completely unrelated bill, the Safe Port Act, HR 4954, dealing with port security, which was deemed critical to the national security and due to pass.”

    Whether or not you believe poker is a game of skill, or approve of gambling in any of its forms, the fact that a small group of our elected representatives can attach a rider to a bill about national security that is totally unrelated to it, that most of our elected officials hadn’t even read, that being signed into law affects the livelihood and freedom to engage in online activities of all Americans, makes me very angry. The law essentially made it illegal for banks to process fund transfers by credit card, check or money order sent from US citizens to any online gambling entity. It did not make it illegal for US citizens to play online – it just made it really difficult to transfer money in and out. As the sites figured out creative ways to enable players to send and withdraw funds, they ran afoul of this law, based on archaic laws on our books about wire fraud and gambling.

    Something is very wrong with our system of government when a law can be passed in this manner, and sprung on an unsuspecting public. Although I don’t play poker online myself, many of my poker-playing friends do, and these most popular poker sites immediately closed their sites to US players, leaving them with no recourse and without access to their deposited funds. It spread shockwaves through the poker community, many of whom are professional or semi-professional players who make their living from this activity.

    The United States has budget problems. There are billions of dollars generated by internet gambling. I am sure there is a lot of backroom jockeying going on, as our politicians figure out how to regulate and tax this activity. I am in favor of online gambling being regulated and taxed, as is every other business. Let’s get those tax dollars into our coffers. But passing a law in the dark, disabling US citizens’ ability to partake in activities of their choice, and using that to crack down on business owners as a way of enforcing taxation, is just an ugly way of making that happen.

    I joined the Poker Players Alliance, which is fighting for legislation to keep poker legal and regulated. They hired lobbyists, and have worked with congressional representatives to present legislation to overturn the UIGEA.

    Three years ago, I predicted: “It will be interesting to see how this all plays out. Brick-and-mortar casinos will be full. Televised poker will disappear, as the online gambling sites are the major source of advertising dollars for these programs. And a lot of US online poker players will be moving to foreign countries, where they will be free to play as they wish. Isn’t that ironic?”

    I was right. Seen any poker on TV lately? The only show we regularly see anymore is the main event of the World Series of Poker in the summer. But they used to televise many events – now they only do one.

    Shopping List

    Posted on April 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”

    106-April 16

    “The more you can dream, the more you can do. You are the one that can stretch your own horizon.”—Max Steingard

     

    Now my partners and I were shopping for a house. Our budget for this purpose was small. Therefore, in the Los Angeles area, we were looking in a fairly low price range. But I had a vision of the perfect house and it was a charmer.

    I made a list of everything I wanted in our house:

    1.     Three bedrooms, two baths

    2.     A beautiful brick fireplace

    3.     Oozing with charm: beam ceilings, beautiful tiles, rounded archways

    4.     A living room and a den

    5.     A big airy kitchen with sunlight streaming through many windows

    6.     A large backyard with room to garden and lots of trees

    7.     A nice neighborhood

    8.     A swimming pool

    Sheepishly, I handed my list to our real estate agent, Judy Washburn. Judy and her husband, Gary, were warm and friendly, a terrific couple who had helped my sister and her husband buy a house. But I was afraid she was going to tell us we couldn’t possibly get all the things on my list in the price range we were looking at. Well, she did laugh when she saw it. When she looked up at me to respond, I forestalled her by saying I said I realized this was asking for a lot, but I needed her to know what I really wanted if we were going to be able to create finding a house that had at least some of the features on the list. She looked at me seriously for a moment, nodded, and filed the list away amongst her papers.

    It was just a couple of weeks later that we were looking at some houses she had found, when we drove past a cute house with a for-sale sign on the front lawn. Judy couldn’t find it in her lists, but went to the front door and asked if we could come in. The owners were home, and said, “Sure!” As we walked through this house, I got more and more excited. This house had everything on my list: Rounded archways in a Spanish style, burgundy and flowered tiles in bathroom and kitchen, a living room and a den. It didn’t have a pool, but it had a large lot with ten orange trees on it and oh, I wanted it! Judy had to keep taking me aside and tell me not to get so excited—it was ruining her bargaining power. But the price they were asking was even in our range!

    Within a month, the house was ours. When we finalized the purchase agreement, I reminded Judy about the list. She pulled it from her purse and smiled as she shook her head in amazement.

    “You were very lucky,” she said. I agreed then. But now I know that I was following the path I was later to identify as 1) Think positive; 2) Send out ships; and 3) Count your money. It worked then and it works now.

    What’s on your list?

    Today’s Affirmation: “All my good is delivered to me now!”

    I’ve been figuring out how to use Facebook effectively. So many people have jumped on the social media advertising bandwagon there that sometimes it seems just like a television station broadcasting commercials all day long.

    I found I wasn’t very interested in reading endless pitches to buy people’s products or services.

    What was interesting was to engage in conversations about a topic, and too, well, become friends with people.

    It’s just like joining a live networking group. If all you do is try to sell your products and services, it’s not going to work. You need to engage with other people and be interested in them and what they’re doing. Read their blog and comment. Share other people’s interesting posts with your friends. Sign up for someone else’s teleclass and send them a testimonial if you enjoyed it. Refer them business if you can.

    When you’re interested in others, others will be interested in you. Simple, no?

    Happy online networking today, dolphins!

     

     

    Providence Moves, Too!

    Posted on April 15th, 2014 in The Wealthy Spirit by chellie

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

    105-April 15

    “The moment one definitely commits oneself, then Providence moves, too. All sorts of things occur to help one that would never have otherwise occurred.”—Johann Wolfgang Von Goethe

     

    Years ago, when I was working as the office manager for a small company, I wanted to buy a house with my fiancé. We didn’t have any money saved for a down payment, and we didn’t know how we could do it, but we set the goal anyway. Right after that, the company I worked for sponsored a class called Hypmovation—it was a combination of self-hypnosis and motivation. The goal-getting idea I got from them was to write a contract with yourself, identifying specifically what you wanted and by when. You were to describe in the contract the actions you would take to achieve the goal and then sign and date it. After that, you were to visualize the goal as a reality, and follow through by doing the actions you said you would do to accomplish the goal. I wrote that I would open a special savings account labeled “House Account” and save a specific amount of money every week plus any raises I received. I expected that it would take two years to save enough for a down payment on a house.

    It only took six months. A surprising opportunity arrived that made home ownership a reality soon after declaring the goal. My fiancé and I were friends with another couple whose home had appreciated substantially in value. At dinner one night, they were talking about how they would like to buy more property, perhaps with another couple. Ka-ching! We told them that we were that “other couple” and the house hunt was on.

    (continued on page 105 of The Wealthy Spirit)

    Today’s Affirmation: “I am happily creating my own rich rewards!”

     

    In teaching my Financial Stress Reduction® Workshops, I’ve seen women—and men, too—struggle with pricing. If you don’t price your products and services correctly, you won’t ever make the money you want – and deserve – to make. Everyone had anxiety about asking for money – from negotiating a starting salary to pricing their products and services if they were in business for themselves.

    But men were willing to tolerate their anxiety and ask for the money anyway, where women seemed to have much more difficulty with it.

    Why are women willing to go broke rather than ask for more money?

    Here are some of the responses I’ve heard myself as I work with women to improve their financial condition by asking for more money:

    “My clients can’t afford more money.”

    “Other people are charging less so I have to charge less in order to be competitive.”

    “I’m afraid if I ask for more, I won’t get the job (or my clients will leave and I’ll have nothing).”

    “I’m afraid if I ask for more, they won’t like me.”

    “I don’t want to be greedy.”

    And the clincher: “I love my work – it’s not about the money.”

    Are any of those statements resonating with you?

    I’ve been studying the research in the book “Women Don’t Ask: the High Cost of Avoiding Negotiation and Positive Strategies for Change” by Linda Babcock and Sara Laschever, investigating the reasons why women still make on 77 cents to a man’s dollar – even when they are just as skilled, just as talented, and have the same qualifications and credentials in every way.

    Linda is currently Professor of Economics at Carnegie Mellon University. A few years ago, when she was director of the Ph.D. program at her school, a delegation of women graduate students came to her office. Many of the male graduate students were teaching courses of their own, the women explained, while most of the female graduate students had been assigned to work as teaching assistants to regular faculty. Linda agreed that this didn’t sound fair, and that afternoon she asked the associate dean who handled teaching assignments about the women’s complaint. She received a simple answer: “I try to find teaching opportunities for any student who approaches me with a good idea for a course, the ability to teach and a reasonable offer about what it will cost,” he explained. ‘More men ask. The women just don’t ask.”

    This incident suggested to her a more pervasive problem. Could it be that women don’t get more of the things they want in life because they don’t ask for them?

    I gave a complimentary teleclass “Women Don’t Ask: Why Women Earn Less Than Men and How to Break Through to Big Money Now!”  and it was wonderful being able to share all this information on how our culture works to keep us from making all the money we deserve. We had a fascinating question and answer session after the call, too. I had a blast and the responses were terrific!

    “Women Don’t Ask: Why Women Earn Less Than Men and How to Break Through to Big Money Now!”

    You can listen to the free recording now – just click here www.chellie.com/complimentary-teleclass-041211.html

    I’m going to share with you the Top Three Secrets you need to know so you can be of SERVICE, operate with HEART, and get the MONEY to be happy, joyful, and rich.

    Listen in – you’ll be glad you did!

     

     

     

     

    Hawaiian Shirts

    Posted on April 14th, 2014 in The Wealthy Spirit by chellie

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

    104-April 14

    “A person will be called to account on Judgment Day for every permissible thing he might have enjoyed but did not.”—The Talmud

     

    Financial stress reduction is as much about being relaxed and happy as it is about making a lot of money. Ideally, you want to be making more money and having more fun on a daily basis. Lack of either one creates stress and unhappiness.

    A wealthy young stockbroker named Max, who had inherited money, took my financial workshop several years ago. Tense and unhappy when I talked with him on the phone, he seemed hesitant about attending the workshop, but agreed to come to the first class and see how he liked it. Although I instruct everyone to dress casually, he wore a suit and tie. He had a rather negative attitude, made skeptical comments, and sat in a closed position with his arms tightly crossed. It was clear to me he had an attitude and needed some help, but I wasn’t sure I could reach him. However, by the end of the first class, he said he wanted to continue with the course.

    During the second class, I ask each participant to share three opportunities and three obstacles they see facing them. Then, as a group, we offer each person creative suggestions for taking advantage of their opportunities or for solving their problems. When it came time for Max to share, a lot of anger came pouring out. Once again wearing a suit and tie, he had no opportunities on his list and about twelve obstacles. As he spoke, I saw that his need for financial stress reduction wasn’t about money. He had that. What he didn’t have was fun.

    At that point, I jumped in and asked him, “Where is the fun in your life?” Totally taken aback, he just stared at me. I said, “Max, I’m giving you a special assignment for this week. You don’t need to work on money—you have that. What I want is for you to do as many fun things as possible this week. Go to the beach for a day and just lie in the sun and swim. Go to a movie in the afternoon. Rent a hotel room for a night and take your wife out on the town. Whatever you think is fun, do it. The sky’s the limit. Bring a list next week of all the fun you had to share with us.”

    As I spoke, he changed right in front of all our eyes. He started smiling. Then he grinned and blushed. He sat back in his chair and relaxed. Everyone applauded and envied his assignment.

    He looked like a little kid at Christmas.

    The next week, when he came to class with his “fun list,” he was wearing a Hawaiian shirt and sandals! He wore a Hawaiian shirt to every class from then on—and a smile.

    Make fun your priority today. Take a day off. Get yourself a Hawaiian shirt.

    Today’s Affirmation: “The more fun I have the more money I make!”

     

    I love this story – I remember Max fondly. He was so much fun in his Hawaiian shirt!

    When I was an actor, the costume always meant a lot to me in building my character. Was she funny and flirty? Strict and up-tight? A show off or an introvert? The clothes tell a lot of the story.

    Shoes were particularly important. High heels, flats, or sneakers give you a totally different posture and attitude. In my theatre costume class in college, one day the instructor held up a pair of 1940s style high heels and said they were called “Open-toed Joan Crawford F** Me Shoes”. We all howled at that. One of those little bits of trivia that sticks in your mind forever. Hee.

    Joan Crawford shoes on bottom row

    An accomplished, professional friend of mine who had a corporate job always wore a suit to work, and was in her finest no-nonsense business mode when dressed that way. Her young daughter picked that up immediately. She didn’t like it when her mommy put her jacket on, because along with it, she put on her business manner.

    Whenever her mom came home from work, she’d say, “Mommy, jacket off!”

    So, jackets off today, everyone! Relax, change your style, and have fun.

     

     

     

     

     

     

    I Am Blessed and I Am Thankful

    Posted on April 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”

    102-April 12

    “Great things are only possible with outrageous requests.”—Thea Alexander

     

    That you are reading this book today is a testament to the vision, resilience, drive and determination of my wonderful agent, Lisa Hagan. Introduced through mutual friends, we took to each other immediately (My People!), signed a contract, and the search for the right publisher began. We emailed each other often along the way. There was interest, there were rejections, there were “yeah, buts.” Once we had a publisher who said yes, we cheered and celebrated…for four days. Then the deal fell through. We were crushed.

    Lisa emailed me the next day:

    “I want to share something very special with you. This week I was feeling a little blue about losing your sale and I went home one night and pulled the covers over my head and stayed there until the next morning. But I awoke in the middle of the night and I prayed and prayed for guidance. I walk to work each day one mile and I use that time to thank God for all my many blessings; sometimes I say affirmations, sometimes I pray for friends, family or someone I may have read about in the paper. That day I used one of your affirmations: ‘Money comes to me from an unexpected source.’ Well, it happened that very day I sold a book that I had thought I would never sell but I just kept trying. When I was saying my prayers of gratitude that night, I said the same affirmation and a royalty check came in from a company that hadn’t been up to date in years. I thought, wow, well, I can’t very well say the same affirmation again, can I? So I just thanked God for all that He has given me, all the blessings and love that is in my life…Well, today in the mail three more checks came for clients that the publishing house was two years behind in paying. Three days in a row! Once again I am blessed and thankful.”

    Change your attitude—change your experience. Turn it over to God. Works every time.

    I was delighted with this story and yet couldn’t help but notice that after two big successes with the affirmation, she thought “Wow, well, I can’t very well say the same affirmation again, can I?” Isn’t that just how we human beings work? We ask God for help, He gives it, then we get scared that we actually got what we asked for. Our prayers are powerful. But abundance makes us nervous.

    I immediately flashed her back, saying “Why not? It’s working! Always keep doing what’s working. You just got a little scared of your power. You are powerful—and it’s great. Keep it up!”

    Lisa Lessons:

    1.     When life gets gray, pray for guidance.

    2.     When life gets great, pray your thanks.

    3.     An attitude of gratitude creates abundance.

    Today’s Affirmation: “Money is rushing to me from expected and unexpected places!”

    I’ve been reading all the research from the book “Women Don’t Ask”  by Linda Babcock and Sara Laschever and it’s really mind-blowing.

    In this book, Linda Babcock told a story about how, even though she made more money than her husband, she let him handle the finances when they went out, pay for dinners, etc. One day, her 3-year-old daughter and she went to a drugstore, and her daughter saw a stuffed toy she wanted and asked, “Do you have enough money to buy that for me, Mommy? Do girls have money, or is it just boys that have money?” Linda of course was horrified. Their family habits had communicated to their daughter that men had money but women didn’t.

    It’s all so insidious, and it permeates our daily experience.

    Even today, men control most of the economic and political environments in which women live and work. Only 10.9% of the members of the boards of directors of Fortune 1000 companies are women. Although women own about 40% of all businesses in the US, they only receive 2.3% of the available equity capital needed for growth. Joanna Rees Gallanter, a venture capitalist herself, observed, “Women are often not comfortable talking about what they’re worth. They’ll go in to pitch a project and naturally put a lower value on it than men do.”

    As recently as 2001, 98% of child-care workers, 82% of elementary school teachers, 91% of nurses, 99% of secretaries, and 70% of social workers in the US were women. 87% of corporate officers of the 500 largest companies, 90% of all engineers, 98% of all construction workers, and 70% of all financial managers were men.

    A 1999 study showed that the percentage of women used as experts in business and economic newscasts on the 3 major TV networks averaged 18%; only 31% of all business and economic news stories were filed by female correspondents, 11% of authors of business and economic news stories were women. Business Weekfinancial articles about influential individuals focused on me 92% of the time.

    Even a child who is not interested in pursuing a profession in the financial world cannot avoid the none-too-subtle message that money is a man’s business.

    But I have a solution! I’ve been helping women ask for more money, more sales, more perks and bonuses, for over 20 years through my Financial Stress Reduction® workshops and teleclasses.

    If you’re interested in more of this information and some strategies on how women can create more financial power for themselves and for others, register here to receive a free recording of a teleclass I gave on this subject:

    www.chellie.com/complimentary-teleclass-041211.html

    In this free recording, I share with you the Top Three Secrets you need to know so you can be of SERVICE, operate with HEART, and get the MONEY to be happy, joyful, and rich. You deserve it!

    Limited Thinking

    Posted on April 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”

    101-April 11

    “As you go through life, brother, whatever be your goal; keep your eye upon the doughnut and not on the hole.”—Sign at Pig ’N Whistle Coffee Shop

     

    Most people never even begin to achieve their goals. They defeat themselves before they start by listening to that inner voice that tells them they can’t do it. You have to learn to turn up the volume on the small inner voice that tells you that you’re worthy, you’re talented, and you can do anything you put your mind to.

    When I was struggling to get work as an actress, the endless auditions, rejections, and the talent and sheer numbers of the competition sometimes overwhelmed me. One day when I was complaining to a friend about how hard it all was, he said, “Take out a piece of paper and write down all the reasons why you can’t succeed as an actress.” I agreed to do this and vented all my frustrations by making a very long list. Then he told me to write another list—all the reasons why I should succeed as an actress. I had a much more difficult time with this and didn’t come up with many entries. He pointed to the positive list and said, “Until this list is longer than your negative list, you aren’t going to succeed as an actress.”

    Like a sudden drenching in ice water, insulting, shocking, humiliating—it was a cold, bare statement of fact. I saw immediately that he was right, jolted into an awareness that my own negative convictions were keeping me from success. I vowed in that moment to start changing my focus and beliefs.

    What are your inner voices telling you? Make your own list of positives and negatives. Focusing on what’s wrong, what’s missing, or what’s not working will only produce more of that in your life. As I concentrated on my positive qualities instead of my limitations, I became more and more successful.

    Madonna, in her movie Truth or Dare had a scene where she was talking with two young people.  She told them that, “Sometimes I wonder who the hell do you think you are?…But I can’t let myself think like that or I’m gone.”

    You can’t either.

    Today’s Affirmation: “I have all the reasons I need to be a terrific success at everything I do!”

     

    Did you know that studies show that people are twice as fearful of losing money as they are hopeful of gaining money?

    That means most people hang on to money out of fear when they should be investing money in things that will pay off. Holding on to money doesn’t produce any more money, does it?

    Years ago, I heard a woman speak who owned a $3 million per year manufacturing business. I never forgot what she said, “In order to expand a business successfully, you have to become more and more comfortable with bigger and bigger negative numbers.”

    Oh, that was scary when I heard it! I didn’t want to be in debt!

    But as she spoke, I began to understand. Bill Gates didn’t build Microsoft on his personal savings. Nor did Stephen Spielberg, Steve Jobs, or any other successful person who built a big company. They used OPM – Other People’s Money. That means borrowing from banks, investors, family, friends, credit cards. For all the bad press the banks and credit cards have gotten in this economy, they still have made it possible for the small business owner to get access to capital to realize their dream.

    If you want to start or build a business, you are going to need money to invest in it. One of the best investments you can make is in yourself! Yes, you could lose money – your first idea might not work. Walt Disney filed bankruptcy several times before he became wildly successful with Disneyland. (He loved his movies, but they were hit and miss financially.) There is always recovery after a downfall – human beings are amazingly resilient.

    But there is no success without risk.

    Want to hear more? Register for the recording of my free teleclass:

    “Women Don’t Ask: Why Women Earn Less Than Men and How to Break Through to Big Money Now!”

    www.chellie.com/complimentary-teleclass-041211.html

    I’m going to share with you the Top Three Secrets you need to know so you can be of SERVICE, operate with HEART, and get the MONEY to be happy, joyful, and rich. Enjoy the good life – you deserve it!

    Free Drawing! Win Prizes!

    Posted on April 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”

    100-April 10

    “I am the greatest. I said that even before I knew I was.”—Muhammad Ali

     

    When there is a door prize or a drawing for a free gift, do you usually win it?

    Did one of the voices in your head just say, “Oh, I never win anything”? If so, that’s the reason you’re not winning. You have to expect to win.

    I used to watch other people collecting their door prizes while I sat on the sidelines and never won any. Some people won multiple prizes, and I would hear the murmurs in the room as people turned to each other and said, “She’s so lucky! She always wins something!”

    As I worked on my affirmations, I noticed that when it came to winning door prizes, I wasn’t doing a very good job of being positive. In fact, I was one of the people with a voice in my head that said, “I never win these things!” Well, seeing the problem is the first step in solving the problem, so I started doing new affirmations: “I am a winner,” “I win often and I win big,” “I win door prizes all the time,” etc.

    It wasn’t long before I won a big basket of food, candy, and coffees at a luncheon. Pam, a good friend of mine who was also at the luncheon, shared her experience of this win with me. When the drawing was announced and the woman was reaching in the basket to pull out the winning ticket, she sighed, sat back in her chair and thought, “I don’t win these things.” But just as she had that thought, she happened to catch sight of me across the room. Pam said I was sitting up straighter in my chair, had a bright smile on my face, and looked like I expected to hear my name called. In a flash of understanding, she saw that the difference in our attitudes was creating the difference in our realities. She wasn’t surprised when I won. She couldn’t wait to tell me this story and find out what affirmations I was using. She started doing them herself, and a month later, won the door prize at the next luncheon!

    Now when I hear the whispers, “She always wins!” they’re talking about Pam and me.

    And you?

    Today’s Affirmation: “I always win something, everywhere I go!”

     

     

    I GET BY WITH A LITTLE HELP FROM MY FRIENDS

     

    Long, long ago, at a networking meeting far, far, away….

    Well, it really wasn’t far away – it was in Santa Monica – but it does feel like ages ago. I went to a networking group founded by Christine Kloser called NEW Entrepreneurs (NEW stood for Nurturing Entrepreneurial Women or something like that). It was a great group of businesswomen with a spiritual bent that I related to very well.

    I met a woman there named Sylvia Silk, who I quickly discovered lived just up the street from me, and we started walking once a week in the park. Sylvia is married to a psychiatrist, and teaches the Reconnection technique, got her Masters in Spiritual Psychology, and is just a lovely, deep, spirit. I treasure our walks very much, and always run things by her when I am confused, or searching, or mad (angry and/or crazy) about something…Sylvia knows just how to cut to the chase, to refocus my attention on what really matters, or to ask just the right searching question.

    On one walk, I was very nostalgic. The end of “Lost”, “24″, Simon on “American Idol”, and turning 62 (yikes!). Endings were on my mind, and the love and connections between people. I relished the love shared between the characters on these shows, and felt a little bereft as they rode into the sunset. I don’t get to share their adventures, struggles, and passions any more. Yeah, it was all imaginary and vicarious, but it feels like a real loss just the same. Hmm.

    A little melancholy, on my walk with Sylvia, I started down the path of looking at all the losses in my life, all the relationships that didn’t last, the hopes and dreams that didn’t come true, the plans that didn’t come to fruition. That I didn’t have a successful marriage, that my book wasn’t a NY Times bestseller, that I hadn’t been on Oprah, blah blah blah. I was really wallowing in it.

    “Chellie, all that is just the Ego talking,” Sylvia said. None-too-gently, I might add.

    Instantly, I stopped walking. Looked at her and stopped talking, too. OMG.

    Feeding the ego isn’t what this life is all about. The success of a venture isn’t the point – it’s the ad-venture. It’s the exploration through which we discover our values, vision, and voice. It’s the crucible through which we distill our spirits. It’s learning, it’s school, it’s soul development. Throughout your journey, you win some, you lose some. Poker players are fond of saying, “The next best thing to playing poker and winning is playing poker and losing.” The important thing is to be in action, to be in the game, playing full-out. To learn, grow, love God, love life, and love each other. Oh, yessss….

    I knew that. At least, upon occasion, I have known that. But thank God we have Way-Showers, friends on this journey of life, to guide us back to the true path when we stray and get lost in the weeds and the bogs of the side roads.

    Everyone I meet is my teacher. I learn from all of you.

    Have you had a similar experience with a friend enlightening you in an instant? I’d love for you to share it here with me! Thanks for sharing!

    Lent

    Posted on April 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”

    99-April 9

    “Going to church does not make you a Christian any more than going to the garage makes you a car.”—Lawrence J. Peter

     

    In the Christian religion, Lent is the approximately six-week period of fasting and penitence before Easter. In my youth, I remember my Catholic friends always “giving something up for Lent,” but the concept of fasting never took root at my house. I wasn’t very good at giving up things I liked, such as pecan pie, ice cream, parties, or movies. The idea of sacrifice completely eluded me.

    As I grew older, I better understood the idea, yet still I resisted. If I give up chocolate for Lent, how does that benefit or glorify God? I didn’t have the right attitude. Giving up chocolate just made me cranky.

    I hit on a plan in the early nineties. I decided that instead of giving up some pleasure in my life for Lent, I would give up a bad habit. I was willing to sacrifice a personal failing, a character defect or flaw each year for at least six weeks. This may not be the spirit of what is meant by Lent, but it seemed to me that God would smile on this plan and perhaps appreciate my self-improvement program better than my doing without dessert. I hoped I would end up a better person instead of a thinner one.

    So the first year, I gave up struggle. The next year, I gave up alcohol. The year after that, I gave up inappropriate men. In the following years I gave up criticism, vanity, complaining, envy, tiredness, stage fright, high heels, smoking. I tried to leave these burdens behind me forever, but shamefaced, I must confess I have returned to pick some of them up again. I am, after all, not St. Chellie. I am a work in progress.

    Perhaps Lent is not relevant to you—then pick another period of the year in which to do the same thing. Yom Kippur, the New Year, Summer Solstice, your birthday—any day you select can mark the beginning of a six-week period of forging a better self from the ashes of your bad habits. Don’t sacrifice the good things; they will all be laid on the altar of mortality eventually.

    Sacrifice the little evils, the petty thievery, the unkind comments, panic attacks, despair. Give up jealousy, hatred, racism, profanity, hitting. Live without gossip, off-color remarks, jokes told at another’s expense, fear-based decisions. These are the sacrifices that honor God and your fellow man.

    Today’s Affirmation: “I grow wealthier in spirit every day.”

     

    If there’s one thing I’ve learned traveling along this life’s highways and byways, is that in all things it is best to completely be yourself.  Take a stand for yourself, choose your likes and dislikes, and stand proudly in them.  When you are clearly you, other people will see it and know you for who you are.  This simplifies life immeasurably.  Your People will be drawn to you more quickly, and Not Your People run away far and fast.  This is a good thing.  You don’t want your life cluttered up with a bunch of people who don’t really like you.  It’s too much of a time and energy drain.

    I was thinking about this as I drove to the Jonathan Club in downtown Los Angeles, to speak to the Los Angeles Chapter of NAWBO (National Association of Women Business Owners).  I was dressed in my usual “Give-a-speech-costume”—blouse, blazer, pants and gold tennis shoes.  Mind you, I wear gold tennis shoes all the time.  They’re part of my brand, now.  I’ve been recognized in book stores because of my shoes!  I have casual gold tennies that have a quilted pattern and gold beads for everyday wear, but for speeches, I wear my dressy gold tennis shoes that have rhinestones all over them.  I even have gold beaded tennis shoes for black-tie events.  I had thought briefly of wearing “real shoes” to this event, since this was a rather corporate environment, but then I decided just to stick with my usual style.

    Wouldn’t you know, my momentary hesitation manifested itself in a challenge issued to me by one of the Jonathan Club employees in the lobby.  “Excuse me, miss,” he said frowning disapprovingly at my feet, “but we don’t allow tennis shoes in our club.”

    Oops!  Caught already.  I grinned up at him and said, “I’m terribly sorry, but I am the speaker this evening and this is my costume!”

    He wasn’t buying it.  “Don’t you have any other shoes?” he inquired.

    “No,” I shrugged, “not with me.”  Oh, dear, I thought, am I going to be thrown out?  Barred from the club?  My eyes widened and I said, “You know, I’m sure your dress code means tennis shoes as in gym shoes.  These are clearly not dirty old gym shoes—they are gold mesh, dressy shoes with diamonds on them!”

    He paused for a long moment as he thought this over.  It must have made sense to him, because he said, “Okay…but hurry!”  He wanted me out of his jurisdiction as soon as possible, and I was happy to oblige him as I scurried upstairs to the meeting room.

    The meeting was fabulous with lots of great people—no one else in tennis shoes, I noted.  (They must have been tipped off to the dress code.)  They were all wearing those high-heeled pointy-toed instruments of torture the fashion industry insists on foisting on us—and we pay big bucks for them, too.  This is different from ancient Chinese foot-binding—how?  I gave up all my high-heels for Lent one year, and never took them back.  Now I’m always comfortable.  It made a big difference in my budget, too.

    The reactions to my gold shoes are always very interesting.  Lots of people smile and comment how they just love my shoes, how comfortable they look, etc.  I know these are My People.  And of course, some people don’t like them—one woman told me after the talk that I should dress more professionally if I was going to talk about a serious subject like money.  I just smiled, because that’s one of the problems I’m trying to solve—that people are too serious about money.  Besides, I knew what she did for a living—she sold suits!

    So don’t judge me until you walk a mile in my gold tennis shoes.