The Wealthy Spirit Insider

    It Pays to Be on Time

    Posted on March 28th, 2015 in The Wealthy Spirit by chellie

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

    87-March 28

    “The trouble with being punctual is there’s no one there to appreciate it.”—Franklin P. Jones


    When I attended a financial workshop years ago, we played a game called “It pays to be on time.” We were charged a dollar a minute for every minute we were late to class, to a maximum of ten dollars. You should have heard the arguments that went on each class about paying those fines! A veritable cornucopia of “Yeah, buts.” “Yeah, but there was an accident on the freeway,” “Yeah, but my car broke down,” “Yeah, but my biggest client called with a problem and I had to help him,” etc. The workshop cost eight hundred dollars, yet here we were spending the first fifteen-twenty minutes of each class arguing whether or not someone owed their fine of two dollars!

    There was an important lesson in this exercise. When you’re late, you’re late. Just own your responsibility that you made a choice that resulted in your being late. Whether it was to leave for the meeting with no leeway for traffic problems, to choose to pick up the ringing telephone when you were on your way out, or not having your car properly serviced so breakdowns don’t occur—these are all choices that are your responsibility. If your ship sails and you’re not on it, the reasons why you missed it won’t put you on it.

    (Continued on page 87 of The Wealthy Spirit)

    Today’s Affirmation: “Time is my friend and I am always on time.”


    Isn’t it funny how the Late People are always late nearly exactly the same amount of time? I remember one of my mother’s friends was always one hour late. For everything. She would arrive flustered and hurried and very apologetic. But you could set your watch by the exactly one hour she would be late! So of course, my mom started telling her things started an hour earlier so that they would be on time.

    I err on the other side of the spectrum. I’m habitually early for everything. I know it’s partly because I don’t want to miss anything, but more than that, it’s my theater training. The curtain goes up at 8:00, the audience is in their seats and waiting and they’ve paid for their tickets and expect the show to start on time. All the actors have to be ready, in costume and makeup, and start the show.

    I’ll never forget when I was performing in a production of “Little Mary Sunshine” at the Megaw Theater in Northridge. The director was Elaine Moe, and she was fabulously talented. And a strict taskmistress. She expected everyone to be promptly on time for every rehearsal. She gave us the rules in the beginning:

    “You will be on time for every rehearsal. If you aren’t here on time, everyone in the cast will sit and do nothing but wait for you to arrive. When you do, you will go onstage and make a formal apology to everyone in the theater whose time you wasted.”

    Brrrrr! I’m telling you, one person was late early on, and the rest of us sat and waited for her to arrive. When she did and saw everyone just sitting and staring at her, she gulped and turned white. She nervously made her stuttering apology, as Elaine and the rest of us stared at her.

    I don’t remember anyone ever being late again.

    I was so religiously on time that people always expected it of me. Once I was meeting my mother, my aunt Woodie, and my sisters for lunch at the Beverly Wilshire tea room, and somehow I ran late (traffic? I don’t remember). But I remember the looks of relief from all my family members when I rushed in 15 minutes after the appointed hour.

    “Oh, thank God you’re here,” my mother breathed with a deep sigh of relief. “We were sure something terrible had happened to you because you’re never late!”

    How reliable are you?

    Cruise Day

    Posted on March 27th, 2015 in The Wealthy Spirit by chellie

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

    86-March 27

    “Some people are making such thorough preparation for rainy days that they aren’t enjoying today’s sunshine.”—William Feather


    Going on a cruise is a wonderful experience—it’s a big adult playpen on the water. When I took my first cruise with Korey, we couldn’t believe how much fun there was to be had with the wide variety of activities. There was a casino, bingo games, nightly entertainment, karaoke, dancing, a piano bar, aerobics classes, a gym, massage, shuffle-board, skeet shooting and food galore. You only have to unpack one time and the ship carries you to different ports of call—you wake up and you’re in another city. We had a fabulous time.

    Cruise Ship at Santorini

    When we got home from the cruise, Korey and I decided that we didn’t want the fun we had had to end. So we invented “Cruise Day.” Once a month, we planned a day off. It had to be a work day so we could feel like we were playing hooky and getting away with something. For that whole day, we did nothing but have fun, just like when we were on our cruise.

    We always checked with each other ahead of time to see if it was a High Budget, Medium Budget or Low Budget Cruise Day. High Budget Cruise Days looked like this: We went to Nordstroms and shopped for great clothes, we went to the theater, we had steak and lobster at a great restaurant, etc. On Medium Budget Cruise Days, we did more window-shopping and less actual purchasing, we went to the movies and ate at a medium-priced restaurant. During Low Budget times, we rented videos and popped popcorn, picnicked on the beach, or visited a local museum.

    Cruise ships Bay of Naples

    I have to tell you we had every bit as much fun on Low Budget Cruise Days as High Budget ones. You can laugh and talk and have a great time with a great friend no matter what the contents of your wallet are. So plan a Cruise Day today!

    Today’s Affirmation: “I think, therefore I’m rich!”


    My lovely niece Marissa, married to her wonderful husband Maxie, had two adorable children, Kara and Maxie, when they were expecting their third child (Derek, now over 3 years old). Since the increase in family members meant an increase in budget expenditures, she was contemplating how to tweak things and get another assignment for product placement in a movie. (She got copies of her aunties’ The Wealthy Spirit into the book store scene in the movie “Easy A”. I loved that!)

    When she was working on it, she sent me this report:

    Hi Auntie Chellie!

    So I have a funny story you will appreciate.  Maybe 2 months ago when the reality of baby #3 hit me, I was sitting in the living room thinking to myself, “It would be nice to get offered to work on just one more movie so maybe we can pay off the mini van and put some money away before baby #3 arrives.”  Not 30 minutes later, my boss called me and offered me a gig, to help work on a movie doing just Props and Sets while they handled the marketing side, yet getting paid my full asking price.  Wow!

    Now, when you submit your invoice for working on a film, you NEVER KNOW WHEN that invoice will get paid, especially when asking for the money up front. They could wait until filming begins, when it wraps, or somewhere in the middle.

    So yesterday, it had been 23 days since I had submitted my invoice, and I was daydreaming about paying off the minivan so we wouldn’t have car payments anymore, so while Maxie was at preschool, Kara and I gave the minivan an overhaul, removing every piece of kids clothing, every granola bar wrapper, every crayon…took the stickers from In N Out off of Kara’s window, wiped down the inside, and vacuumed every last corner because this car was about to be OURS.

    And then I got the check in the mail a few hours later.
    Happy Friday!
    Love you!

    Daydreaming. Just another word for affirmations and focusing on your goals using The Law of Attraction.

    “Getting By” Money vs. “Above and Beyond” Money

    Posted on March 26th, 2015 in The Wealthy Spirit by chellie

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

    85-March 26

    “The road to success is marked with many tempting parking spaces.”—Executive Speechwriter Newsletter


    Many people get caught in the trap of making just enough money to “get by.” They work to pay their current bills, and once those are satisfied, they relax and coast until the first of the next month, when they start the process all over again. It is a basic money habit pattern. Working frantically to get the bills paid and then coasting will not get you to the pinnacle of success you deserve. No one ever coasted uphill.

    A smart and savvy entrepreneur, Yvonne came to my workshop several years ago. She was in the executive search business and made a nice income working out of her home. When I spoke about the habit pattern of working just to get by, she related to it instantly. She said that she would work diligently trying to place executives with her client companies, but when she made a few placements that would pay all her bills, she literally stopped working. I asked her what would happen if she kept going, and she responded that she didn’t know. I said, “Well, try it this week and see what happens.” and she agreed.

    She glowed when she walked in the classroom the next week. Beaming happily, she talked of how she made a placement that would pay all her bills, but then just kept going. She used the “Ships Log” to keep track of her activities and keep her motivated. Instead of stopping at her “break-even” point, she made $35,000 that week. This was definitely “Above and Beyond” money!

    She was so happy, she wrote me a commission check. She had purchased my course at a charity auction to which I had donated it, so I hadn’t been paid for her attendance. With that big win in her pocket, she wanted me to make money, too. As I accepted the check (“People love to give me money!”), I told the class I knew that she knew what goes around comes around. I expected that gift was going to produce even more money in her life.

    Just a few years later, she had six branch offices across the country.

    What could you have if you just kept going?

    Today’s Affirmation: “I always receive an abundance of ‘Above and Beyond’ money!”


    During one of my workshops, one of my participants also had an 8-week workshop business,  helping people with relationships. She was unhappy with her income and wanted more money.

    “How much are you charging?” I quizzed her.

    “$400,” she replied.

    “How much would you like to charge?” I asked.

    “Well…$800”, she said hesitantly.

    “So this week ask for $800 and see what happens,” I suggested.

    She did, they paid – and she couldn’t believe it was that easy. She enrolled 4 people that week at the new price. Another happy client’s financial stress was reduced. I love when that happens!

    Soon after that, another workshop leader told me she was unhappy with my class because she still wasn’t making enough money even though she had successfully enrolled ten people in her latest 6-week workshop.

    “How much are you charging?” I asked. (Is this sounding familiar?)

    “$125,” she answered.

    “Is that enough money for you to live on?” I asked.

    “No,” she replied, “That’s the problem!”

    “Well, who picked that number?” I said.

    She looked at me for a long moment, then said, “I guess I did.”

    “Then pick a better number and your problems will be solved!” I said.

    Every business owner needs to pick two important numbers in their business:

    1.      How many people do you want to serve each month?

    2.      How much money do you plan to charge them?

    Multiply these two numbers and see if it gives you enough money to pay your bills comfortably, save for the future, pay off your debts, buy a house, go on vacation, and live the life you desire.

    If not, pick another number!

    If you would like to rocket your business to the next level FAST, the next Financial Stress Reduction® teleclass is for you!!

    For more than 20 years, I have been helping small business owners make huge leaps in their income and enjoy fabulous success and prosperity. A new business owner who designed fashion accessories went from $5,000 to $100,000 in one year after taking this course. An auto broker who said December was notoriously bad for car sales had the biggest month of his career in…you guessed it – December! A closet designer went from low six figures to high six figures in 1 1/2 years. If this is the kind of growth you’d like to see in your business, or if you’d like to get the raises, bonuses, and promotions you want in your job, this course is for you. Click here for details of the course then call Chellie for your discount coupon at 310-476-1622. I’d love to help you achieve the next level of success you want, too!


    Your Financial Thermostat

    Posted on March 25th, 2015 in The Wealthy Spirit by chellie

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

    84-March 25

    “The real tragedy of life is not that it’s one damn thing after another—but it’s the same damn thing, over and over.”—Unknown


    Have you ever felt that, no matter what you did, you couldn’t rise above a certain amount of spendable income? That those extra fun frills in life you long for are always just out of reach, even when you get the raise, or the insurance settlement, or the inheritance? Like a broken thermostat, the financial setting has gotten stuck on an amount of money that you subconsciously believe is the best you can allow yourself. You’re stuck at just enough to get by, just as the thermostat is stuck at sixty degrees. You want to be warmer, and seventy-two degrees sounds great, but the thermostat won’t budge. That’s what keeps us at “getting by money” instead of “above and beyond money.”

    I began to notice this as a trend in my own life and it was mirrored by the experiences of my clients, as well. It became clear one day when I got home from a speaking engagement for which I was paid $1,000. As I drove home from the event, with my bright, crisp check for $1,000 of extra money—unplanned for and unbudgeted—I thought about all the things I could do with this windfall. I hummed happily to myself as I walked in my apartment and got myself a soft drink from the refrigerator.

    I plopped myself down on the couch, reached for the remote and turned on the television set—which promptly blew up. Well, it didn’t exactly blow up; it made a loud popping noise and went blank. A puff of smoke came out the back of it. My dreams of new purchases went out the window with that puff of smoke. I now knew what I was going to be buying with my check—a replacement TV.

    Disappointed as I was, I had to laugh. I knew exactly what had happened. My money had exceeded my financial thermostat setting, so I created something to have to use the money for that would basically keep me even instead of being ahead. Has this ever happened to you? You get the raise—and the school your kids are in raises its tuition. Or you get the inheritance and then the car breaks down and you have to spend the money to fix it. You get a gift of money, but you find out you owe more taxes than you originally thought. When these things happen, you need to raise your money consciousness.

    To raise your net worth you have to raise your self-worth. You need to look at your opinions or beliefs about money that limit you and change them. Think of yourself as rich and abundant, with plenty to have and to give. Feel good about the receiving of abundance as well as the giving, for they are two sides of the same coin. Thank God for the gift and pass it on. Light the fire, raise the thermostat, increase the heat! And more money will come to warm itself in your glow.

    Today’s Affirmation: “Every day, I’m burning brighter and growing richer!”

    One way to raise your money consciousness is to raise your prices. Aren’t you worth more now, really?

    If they want what you have, they’ll pay anything to get it. If they don’t want what you have, free isn’t cheap enough.

    It’s always very interesting when the topic of pricing arises with the participants in my Financial Stress Reduction® Workshops.  People have many issues surrounding charging money for their products and services. The most usual one is that they don’t charge what they really want to charge – they’re afraid to price themselves too high and lose a sale. Especially during the “Great Recession!” Don’t we have to slash our prices, have a big sale, help our clients with payment plans?

    The answer is “sometimes”. But if you slash your prices so much that you lose money on every sale, how is that going to help you?

    Joe was a very polished, profession attorney who specialized in financial fraud issues (he must be really busy right now!) and worked on a contingency basis. He was struggling with his budgeting because he would work on a case for as long as two years before the case was decided and he got paid.

    “Do you get a retainer up front to help with costs?” I asked.

    “Yes, he said, “but it’s only $1,000 and that doesn’t last very long.”

    “So, why don’t you ask for $5,000?” I replied.

    He started to answer and then stopped himself. He smiled and said, “Well, I guess I’ve been afraid that if I ask for too much, they’ll leave and go somewhere else.”

    “If they can’t pay you what you need to live, they should go,” I answered. “You need to at least ask for what you want – you can always negotiate a bit if you need to. Why not try it?”

    “You’re right,” he said, “I have three prospective client meetings this week and I’ll try asking them for $5,000 and see what happens.

    He left with that idea in mind, and I looked forward to seeing him at the next class session.

    The following week, he was the first one to report his progress: “You remember I had three meetings with prospective clients last week?  I asked each one of them for a $5,000 retainer. And you know what? Each one of them wrote out a check for that amount with no questions asked! And now I have $15,000 in the bank!”

    So what are you charging? What would you like to charge?

    Go for it!

    The Balance Sheet

    Posted on March 24th, 2015 in The Wealthy Spirit by chellie

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

    83-March 24

    “All my available funds are completely tied up in ready cash.”—W.C. Fields


    The Balance Sheet. This is one of those important financial statements that bankers and accountants love. We need to love it too, because it is a snapshot of how we are doing financially at any one moment in time. It is basically just a list of the value of all the things you own, balanced against the money you owe to other people. This is its basic construction:

    Assets (All the stuff you own)

    Cash in bank accounts

    Other cash

    Stocks and bonds

    Real estate



    Art, Jewelry, etc.

    Total $______

    Liabilities (All the stuff you owe)

    Credit card debt

    Real estate mortgages

    Car loan

    Loans from family, friends, etc.

    Total $______

    Net Worth (Not as a human being, just financially)         Total $______

    (What’s left after you subtract what you owe from what you own.)

    (Continued on page 83 of The Wealthy Spirit)

    Today’s Affirmation: “I accumulate assets that put more money in my pocket every day!”


    When I have people in my classes start adding up their net worth, the tension rises appreciably.

    “This isn’t reducing my financial stress!” they grumble.

    “Not today, maybe,” I tell them, “but by the time you finish this class you’re going to be happy you’re doing this exercise. You’ll love counting your money when you have more money to count!”

    Many people just never even get started on the road to financial health because they dread taking a realistic look at where they are now. But until you’re willing to look at the sum total of what you’ve been up to, you’re not going to know where you’re at. And really, hiding out from the truth just puts you under so much tension and stress. You’re always afraid that you’re seriously in trouble with the money game, and that’s going to affect everything in your life negatively.

    Count it up! What if you’re better off than you thought and you’ve been spending all this energy and sleepless nights worrying and fretting for nothing?

    I’ve had people come back to class after doing their balance sheet exclaiming that they had no idea they were doing so well – that their net worth was a lot higher than they expected. I’ve had people say their worst suspicions were confirmed.

    It doesn’t matter what the number is today. It’s going to change for the better now, because you’re taking charge of it. You’re going to make new and better decisions about your money, because you’re working on it. I know you are because you’re reading this blog. Good job, everyone! Celebrate your richer future!

    The Black Limo vs. the Volkswagen

    Posted on March 23rd, 2015 in The Wealthy Spirit by chellie

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

    82-March 23

    “The greater danger for most of us is not that our aim is too high and we miss it, but that it is too low and we reach it.”—Michelangelo


    Annie, my artist friend, had found the Black Limo and gotten in. She was selling paintings to people, even selling a series of paintings to a company for their corporate offices. She arranged for a one-woman show of her work to be scheduled at an art gallery, and had interest from other galleries as well. She was an artist on the move!

    I hadn’t seen her in a few months, when I called to chat. She was in the middle of a big painting project. But not painting her art. No, painting her house. Big house, big project. Very distracting. Very off-purpose for her goals, dreams, and desires. “What was she doing?” I wondered. She had gotten out of the Black Limo. Then she told me she was thinking she should go back to school and get a degree in art. Nope, she hadn’t gotten out of the Black Limo. She was about to crash the Black Limo and get in a rusty ’74 Volkswagen instead.

    Buddha by Gayle Etcheverry, author of “Thinking Outside the Frame”

    I asked how long it would take to get her degree. “Four or five years,” she told me. “And then what?” I asked. There was an uncomfortable pause on the other end of the phone. I asked if any of the art galleries or corporations or buyers had asked to see her art degree before they bought her paintings? Annie groaned and then giggled on the other end of the phone. “You think I’m just going back to school to play it safe and not have to be sending out ships and selling my art, don’t you?” she accused. “I don’t know, what do you think?” “I think I’m busted,” she sighed. The Black Limo was safe. We left the Volkswagen burning by the side of the road.

    Of course, education is extremely valuable, and sometimes it’s a requirement. If you want to be a doctor, or an attorney, or a dentist, you have to go to school and get a degree to get your license. So do that. It’s necessary. And if you’re smart, you will never stop learning. Just don’t use it as an excuse to stop doing.

    The last time I looked, you didn’t have to have a license to be an artist.

    Today’s Affirmation: “I love what I do and that love brings me all the money I want.”


    People tend to make too much out of credentials. It’s all very well to get go to school, get a degree, and set up a professional practice. It means that you have accomplished a certain amount of study and discipline, and that’s great.

    But there are a great many career paths that don’t depend on having a credential. Bill Gates, Steve Jobs, Walt Disney, and Steven Spielberg, for example. They were born to talents, skills, and creativity and went off on their own without getting a college degree or any certification. They just went to work and started doing it.

    Once at a networking meeting I attended, each person took their turn giving their 30-second commercial about their business. All three of the people who gave their presentations right before me put emphasis on their credentials and certifications – one had a Masters Degree in Business, one had an MFCC, one had a Ph.D.

    Then it was my turn. “I acknowledge these wonderful people who have such distinguished degrees,” I began, then turned to the audience and smiled. “I on the other hand, have no credentials whatsoever. I’m a graduate of MSU – make stuff up. I’m a Financial Stress Reducer and I certified myself!” Busted them up laughing.

    Back in the day before the proliferation of colleges and universities that everyone could attend, most people learned a trade or profession by becoming an apprentice to a master craftsman or tradesperson. You worked your way up to journeyman and then became a master yourself. We tend to forget that there’s more than one way to become proficient at something.

    In the 20+ years I’ve been teaching my workshops, I’ve only been asked for my credentials one time. A woman had already signed up for my class when a friend asked her what my credentials were. “I don’t know!” she exclaimed, and called me to find out.

    I laughed. “Well, I have a BA in Dramatic Art, and belong to the Screen Actors Guild and Actors Equity, which qualifies me as a workshop leader,” I told her, “and I owned a business management firm with thirteen employees for twelve years, which gave me a lot of experience with helping people manage their finances. But my true credentials are the results my clients get.” (For some of those, go to

    In the end, it’s the results that count. When you buy a painting, do you care what degrees the artist had? No. You just care that you think the painting is so beautiful that you want to own it and hang it in your house.

    The Tenth Archer

    Posted on March 21st, 2015 in The Wealthy Spirit by chellie

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

    80-March 21

    “Difficulty, my brethren, is the nurse of greatness—a harsh nurse, who roughly rocks her foster-children into strength and athletic proportion.”—William C. Bryant


    A perfect day on a field of dreams. Sunshine casts its radiant light on the target that all desire to hit. The golden bow and silver arrow await the archers, ready to be used to their highest purpose.

    The first archer takes the field confidently. He notches the arrow, pulls back the bow, and the slings the arrow straight and true across the grass. Bulls eye! Cheers resound from the gathered watchers and the archer retires with a smile.

    The second archer approaches. Reverently, she picks up the golden bow and sends the silver arrow straight to the target. Another hit! More cheers and smiles.

    Seven more archers appear with gratitude for their opportunity, lift the bow, and seven times over, the arrow meets the target. The air shimmers with glory and joy.

    The tenth archer approaches anxiously. Filled with doubt and dismay, fearful that he alone might miss the target, he tenses as he lifts the bow. The arrow goes wide and is lost in the grass.

    In misery and embarrassment, he exclaims, “Damn bow and arrow!” as he leaves the field.

    But the tenth archer knows that the fault is in his aim, in his arm, in his mind. He will rise tomorrow, early in the morning mist, and make his way once more to the practice ground. On that day, and many days to follow, he will lift the golden bow and shoot silver arrows hour after hour, until they find their mark deep in the heart of the target. At the next contest, his aim true, he will prevail.

    Thus he will have earned the cheers of the crowd—and he will get them.

    Are you hitting your targets? Or do you need more practice? More strength? Better thoughts? Better aim?

    Today’s Affirmation: “With confidence, reverence, and gratitude, I am always successful!”


    “In each life there comes at least one moment which, if recognized and seized, transforms the course of that life forever. Rely, therefore, on radical trust, even though the moment may call for you to leap, empty-handed into the void.”—Ralph Blum

    Every winner knows that leap of faith. Someone told me once that “A leap of faith is not a leap from Point A to Point B. It’s a leap from Point A.”

    Once you decide to leap, you need three things to succeed:

    1.      Positive belief in yourself and your ability to succeed

    2.      Positive action to back up your belief

    3.      A Coach, teacher or mentor to guide, motivate, and inspire you

    The Law of Attraction says like attracts like. You have to believe you can succeed at accomplishing your goal. See yourself winning the job, the race, the contest. See yourself on the podium accepting the award. No Olympians got there by thinking “I’ll never make it.”

    The Law of Action says you can’t just sit around doing affirmations on your couch, eating potato chips, and watching television and expect your goals to drop in on you after dinner. Can you name one Olympic medalist who just did positive thinking but never worked out? You are what you consistently do, and being successful at anything takes practice.

    A Coach helps you get your goals quicker. They show you what you’re missing, where you fall short, what needs improvement. They encourage you and lift you up. They give you a road map to the future, offering support, guidance, instruction, knowledge, new ideas, and short cuts. What sports figure doesn’t have one?

    When you’ve got these three things operating in your life every day, congratulations! Now you need one more:

    4. Peristence

    This is where most people fail. Success requires consistency. One of my favorite quotes is this:

    “I write only when I’m inspired. Fortunately, I’m inspired every morning at 9:00.”—William Faulkner

    Some people would rather believe that others are just more naturally talented, or luckier, or richer, or better connected, and that’s why so-and-so’s a success and they’re not. People are always saying to me, “But Chellie, it’s easy for you. You’re a natural and an extrovert!” It’s just not so. I was so nervous when I first started going to networking groups, my hands shook and my legs barely held me up. I stood around and waited for people to come over and talk to me, like a wallflower at a dance.

    Then I got a coach, took workshops and seminars, read business books, motivational books, and watched other successful people to figure out how they did it. I tried and failed many times before I succeeded. The truth is you have to practice over and over and fail over and over before you discover how to actualize your dream in physical reality. Just because you got ten nos in a row doesn’t mean you’ll never make it. They’re just training exercises.

    That’s the gig here on the Earth plane. That’s why you have to love what you do – because otherwise you’ll give up when it gets hard.

    Success is a percentage game and it’s not a big percentage. An article in Card Player magazine compared a salesperson and a poker player thusly:

    “Thnk of a salesperson working on 100 percent commission. He wakes up every morning with no guarantees. He could go out there and close every prospect he has, or he could get destroyed. There are no guarantees. But he has a certain talent that makes him better than the norm, and that talent shows up every day. If he goes on enough appointments, his talent – his “edge” over his competition – shows up enough times to become statistically significant. It’s a numbers game. The more effectively he manages his time and appointments, the more his edge is converted into profit.”

    Being in your own business is very challenging. You have to believe in yourself and your product or service so completely it makes you enthusiastic and motivated to do the work. That’s what attracts customers and makes you able to handle the sales routines and the “nos” along the way.

    When I leaped full-time in the workshop business, I knew I had a wonderful service that really produced more income for people, but I didn’t know if I could sell enough workshops to actually make a living at it. But I had to try. If I gave up, getting a “real job” was my next option and that was so horrible to contemplate that I just kept picking up the phone and talking to people. It didn’t matter how many people said “no” or “not now” – I just thought of them as ships that were still sailing out there carrying my message. I had a woman in my workshop who told me that she had been wanting to take my class for 13 years! The important thing for was to keep calling people until I got enough yeses to pay my bills. Fear drove me a bit, but hope of achieving my goals and attaining my dreams drove me more. With practice, I got better at it and enrolled a higher percentage of people. My workshops improved as my own skills improved. And my financial picture brightened along with them.

    Like the Tenth Archer, the problem wasn’t in the telephone, my office, or the economy. It’s a simple business really. Network to meet prospects, call them and enroll a percentage of them, teach the workshop. The more you practice, the better the results.

    Now it’s so much fun to help people prosper and prosper myself while doing it. I love my life!

    If you would like to rocket your business to the next level FAST, join me in the next Financial Stress Reduction® teleclass!

    For more than 20 years, I have been helping small business owners make huge leaps in their income and enjoy fabulous success and prosperity. A new business owner who designed fashtion accessories went from $5,000 to $100,000 in one year after taking this course. An auto broker who said December was notoriously bad for car sales had the biggest month of his career in…you guessed it – December! A closet designer went from low six figures to high six figures in 1 1/2 years. If this is the kind of growth you’d like to see in your business, or if you’d like to get the raises, bonuses, and promotions you want in your job, this course is for you.  Click here for details of the course then call Chellie for your discount coupon at 310-476-1622. I’d love to help you achieve the next level of success you want, too!

    Alcoholics Anonymous

    Posted on March 20th, 2015 in The Wealthy Spirit by chellie

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

    79-March 20

    “If you have made mistakes, even serious ones, there is always another chance for you. What we call failure is not the falling down, but the staying down.”—Mary Pickford


    My name is Chellie C., and I’m an alcoholic. This is my story of what it was like, what happened and what it is like now. For many years, I drowned my problems in alcohol. Drinking was a habit, my coping mechanism of choice, which increased over time until it got out of control. It started with having a glass of wine when I got home from work. Then two. In classic alcoholic denial, I bought bigger glasses so I could still say I only had two glasses of wine.

    One day, with my liquor cabinet practically bare, I went to the grocery store to stock up. I went up to the checkout counter with a bottle of cabernet, a bottle of Merlot, some Chardonnay, Chablis, vodka, gin, bourbon, tequila, Marguerita mix, Bloody Mary mix, some assorted liqueurs—altogether I think I had about twelve bottles in my shopping cart—and some chips.

    The woman at the checkout stand started ringing up each bottle, smiled and said knowingly, “Having a party?” Not getting it, I said, “No.” I will never forget the look on that woman’s face. I remember with stark clarity the utter humiliation I felt as I realized that if I was buying twelve bottles of booze, I should be having a party!

    That night, I had to face the fact that I was incapable of going a single day without drinking. I had a good friend who always went to an Alcoholics Anonymous meeting on Wednesday nights. She sounded pretty excited when I called and asked if I could go to the meeting with her. Apparently, she’d been “saving a seat” for me. There I met a wonderful community of people who had faced their demons and were helping others along with themselves to live life clean and sober. I made a commitment to sobriety that night and I threw away every bottle of alcohol in my house.

    Old habits die hard, but if you are determined, die they do. In the next months, I had to face every defect of my character and feel all the feelings that I had used alcohol to avoid. Sometimes after meetings, I would go to my car and collapse in sobs over the steering wheel. Kindly souls knocked on the window and asked if I was all right. But breakdowns will lead eventually to breakthrough, if you are committed. As they say in AA, “It works if you work it.” I grew into a new life and a new self. I deepened and matured. New awareness came to consciousness, and a deeper empathy for people. I cleared away the wreckage of the past and built a better life and a bigger bank account at the same time.

    Is there a battle you are fighting? You don’t have to fight it alone. Help is available. You just have to reach out and find it.

    Today’s Affirmation: “I have a wonderful community of friends who help me grow and prosper!”

    Ah, I relive that time when I read this page. Here are a few anecdotes about it I couldn’t include because I was limited by the one-page format of the book:

    After leaving the grocery store feeling humiliated, I drove home thinking, “I can never shop at that grocery store again.” When I got home, I lined up all the bottles on the kitchen counter and sat and stared at what I knew without doubt was the biggest problem in my life. I couldn’t deny it anymore, and I couldn’t not do something about it either.

    That was a Sunday night. On Monday, I resolved to call my friend, Barbara F., who I knew attended an AA meeting on Wednesday nights. But I just couldn’t bring myself to do it yet, and watched myself run avoidance techniques all day. Same thing Tuesday. By Wednesday, my tension was high, and I struggled to make the call, finally ringing Barbara at 5:00 pm thinking she was probably gone already.

    Nope. She answered the phone on the first ring, and she was delighted to say she’d take me with her to the meeting. We arranged to meet for dinner, and I said, “You sounded pretty excited that I wanted to come to this meeting.”

    “Oh, yeah, she replied, “I’ve been saving a seat for you.”

    “Really?” I asked. “What tipped you off that I needed help?”

    “Remember when we went to that organizational retreat at the health spa?” she said. “You brought a six-pack of wine with you.”

    “So?” I didn’t make the connection. “It was a health spa, so I figured they might not have any wine there.”

    Barbara nodded. “Chellie, it was in a city. Grocery stores, bars, restaurants, everywhere. Only an alcoholic would be worried you might be without a bottle of wine for a weekend. And you brought six!”

    Oh. Busted.

    The AA meeting we went to is the Pacific Group, at the University Synagogue on Sunset Boulevard in West Los Angeles. It’s the largest AA meeting in the world and there were some 900 people in attendance. Barbara introduced me to all these lovely people who gave me their phone numbers and permission to call in the middle of the night. I was completely in shock – standing beside myself watching myself go through this.

    Barbara introduced me to a woman who would be my sponsor and help me learn the 12 steps of the program. She handed me a little booklet with the locations, dates and times of the 2,000 AA meetings in the LA area. She told me to go to 90 meetings in 90 days.

    Well, I wasn’t having any of that. One meeting a week ought to do it, I felt. Didn’t she know who I was? I was the owner of a business management company, a public speaker with popular workshops, and president of the LA Chapter of NAWBO. I was busy 24/7 – I couldn’t possibly go to another meeting every single day. I huffily explained this to her.

    She didn’t give a rat’s ass about who I thought I was. I was just another newcomer alcoholic to her. She shook her head and said, “You drank every day, so you need to go to a meeting every day.”

    “How do you know?” I grumbled.

    “We’re sober, and you’re not. If you want what we have, you have to do what we do. Ninety meetings in ninety days or you’re probably going to die.”

    That got my attention. I didn’t like it very much, but I took her damn booklet and went home and plugged in an AA meeting every day for ninety days. Sometimes it was the 7:00 am meeting in Pacific Palisdades, sometimes it was the noon meeting in Brentwood, and sometimes the midnight meeting on Hollywood Boulevard.

    I didn’t miss a day, and with God’s help and the members of the AA community, I got sober. And I stayed alive and my life improved. It remains to this day the hardest thing I ever did. Through this experience on a daily basis, I learned the value of commitment, determination, and doing the right thing no matter what. Suit up and show up.

    “I don’t have time” doesn’t work on me. We all have the same 24 hours. What’s your number one priority? What do you schedule in first No Matter What? By that commitment, you run your life. For riches or for ruin.

    Don’t ever tell me you don’t have time to do whatever it is needs doing. You’re just telling me your priorities.

    If you’d like more information, please go to



    Get Rid of the “I’m So Tired Blues”

    Posted on March 19th, 2015 in The Wealthy Spirit by chellie

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

    78-March 19

    “Never get in a battle of wits without ammunition.”—American Proverb


    How many times do you start a conversation with someone asking, “How are you?” and receive the answer, “I’m so tired?” What a disempowering response! It’s a negative affirmation. Then they probably follow that statement with a whole explanation of their problems, their overwhelm, their duties and responsibilities, the crosses they have to bear. Who wants to hear that?

    If you are guilty of saying, “I’m so tired,” you need to develop a new habit. Start saying “I’m great—thanks for asking!” or “I’m wonderful—how are you?” If someone tells you they’re tired, change the energy of the conversation immediately by focusing them on something good. Here are some sample responses:

    “I imagine you have an active, creative life filled with wonderful activities!”

    “That must mean business is great and your life is full of wonderful friends!”

    You get the idea. It just might get them refocused in a positive direction. If they really just want to complain, they will eventually try to find someone less upbeat than you. Great! Let all the “Ain’t it Awful” people hang out together and count you out. You go find the energetic people who want to talk about how great things are and getting better, too. Be about success, energy and joy every minute. Even when you’re resting. Get lots of rest and relaxation. Mellow out. Joyfully!

    Keep your goals in front of you every day. Keep your action plan to achieve your goals where you can review it often. Eliminate activities that do not move you forward toward your goals, unless they are fun, restful, fulfilling, enjoyable, balancing activities that fill you with energy rather than deplete your energy. If it’s not fun, don’t do it. Pay somebody else to do it—you’ll both be happier.

    “I’m so tired.” Bah. Tell it to your cat.

    Today’s Affirmation: “Everything I do makes me richer and richer!”


    Be somebody who lights up the room. Not someone who dampens it.

    I don’t mean you have to run around like Little Mary Sunshine, always happy no matter what, never telling your best friend what’s bothering you. Sometimes you’re not going to feel great; the dog is sick, you lost a big account, the microwave broke (and the dishwasher, too—we’re not fond of Thermidor in our household right now).

    Just don’t share your cranky bad temper with everyone you meet. Especially at work, a business meeting, or a networking group. That’s when you need to be “on” as in onstage. That’s where you need to be presenting your best self. You are your own walking advertisement for your products and services, and people will remember how they felt around you.

    A friend of mine called me on the phone one day and said, “Hi, Chellie, how are you?”

    “Great!” I replied.

    “You’re always great. Can I ask you a question?” he said. “Do you ever get depressed?”

    “Sure I do,” I answered. “But then I don’t answer the phone!”

    You want people to remember happy, upbeat, confident, fabulous, intelligent, “can do!” you. Not cranky, overwhelmed, rushed, worried, depressed you.

    Debbie Downer isn’t going to get the referrals—Freddy Fabulous is.

    Get it?

    Operating from Joy

    Posted on March 18th, 2015 in The Wealthy Spirit by chellie

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

    77-March 18

    “Only one person in a thousand knows the trick of really living in the present. Most of us spend fifty-nine minutes an hour living in the past, with regret for lost joys or shame for things badly done…or in a future which we either long for or dread. There is only one minute in which you are alive, this minute, here and now.”—Storm Jameson


    Successful people operate from anticipated joy, while others operate from current pain. Successful people have goals that excite them, that they are passionate about; they can see, taste, smell, feel the future reality they are endeavoring to create. They design their daily activities in harmony with where they want to go, rather than where they are now.

    Successful people aren’t on overwhelm; they make their time count. They are energized from being in action; the energy pours from them as from an overflowing well. They are happy in the pursuit of their pleasures. The dream has power and they are determined to attain it. They are working their plan for success. This enables them to say “Yes!” to the things that move them forward towards their goals and “No” to the things that are off-purpose. They don’t waste their time and their energy on too many pursuits. They know they can do everything they want to do, just not all at once.

    (Continued on page 77 of The Wealthy Spirit)

    Today’s Affirmation: “I am full of joyful energy, and all my dreams come true!”


    A few years ago. a friend sent me this letter from a woman in Sendai, Japan, during the terrible earthquake and tsunami. It’s such a great lesson in balance, perspective, and how people are really good at heart:

    Date: March 13, 2011 3:55:14 AM EDT

    Subject: Blessings

    Hello My Lovely Family and Friends,

    First I want to thank you so very much for your concern for me. I am very touched. I also wish to apologize for a generic message to you all. But it seems the best way at the moment to get my message to you.

    Things here in Sendai have been rather surreal. But I am very blessed to have wonderful friends who are helping me a lot. Since my shack is even more worthy of that name, I am now staying at a friend’s home. We share supplies like water, food and a kerosene heater. We sleep lined up in one room, eat by candlelight, share stories. It is warm, friendly, and beautiful.

    During the day we help each other clean up the mess in our homes. People sit in their cars, looking at news on their navigation screens, or line up to get drinking water when a source is open. If someone has water running in their home, they put out sign so people can come to fill up their jugs and buckets.

    Utterly amazingly where I am there has been no looting, no pushing in lines. People leave their front door open, as it is safer when an earthquake strikes. People keep saying, “Oh, this is how it used to be in the old days when everyone helped one another.”

    Quakes keep coming. Last night they struck about every 15 minutes. Sirens are constant and helicopters pass overhead often.

    We got water for a few hours in our homes last night, and now it is for half a day. Electricity came on this afternoon. Gas has not yet come on. But all of this is by area. Some people have these things, others do not. No one has washed for several days. We feel grubby, but there are so much more important concerns than that for us now. I love this peeling away of non-essentials. Living fully on the level of instinct, of intuition, of caring, of what is needed for survival, not just of me, but of the entire group.

    There are strange parallel universes happening. Houses a mess in some places, yet then a house with futons or laundry out drying in the sun. People lining up for water and food, and yet a few people out walking their dogs. All happening at the same time.

    Other unexpected touches of beauty are first, the silence at night. No cars. No one out on the streets. And the heavens at night are scattered with stars. I usually can see about two, but now the whole sky is filled. The mountains are Sendai are solid and with the crisp air we can see them silhouetted against the sky magnificently.

    And the Japanese themselves are so wonderful. I come back to my shack to check on it each day, now to send this e-mail since the electricity is on, and I find food and water left in my entranceway. I have no idea from whom, but it is there. Old men in green hats go from door to door checking to see if everyone is OK. People talk to complete strangers asking if they need help. I see no signs of fear. Resignation, yes, but fear or panic, no.

    They tell us we can expect aftershocks, and even other major quakes, for another month or more. And we are getting constant tremors, rolls, shaking, rumbling. I am blessed in that I live in a part of Sendai that is a bit elevated, a bit more solid than other parts. So, so far this area is better off than others.  Last night my friend’s husband came in from the country, bringing food and water. Blessed again.

    Somehow at this time I realize from direct experience that there is indeed an enormous Cosmic evolutionary step that is occurring all over the world right at this moment. And somehow as I experience the events happening now in Japan, I can feel my heart opening very wide. My brother asked me if I felt so small because of all that is happening. I don’t. Rather, I feel as part of something happening that much larger than myself. This wave of birthing (worldwide) is hard, and yet magnificent.

    Thank you again for your care and Love of me,

    With Love in return, to you all,