The Wealthy Spirit Insider


    Posted on April 6th, 2015 in The Wealthy Spirit by chellie

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

    96-April 6

    “Where love is concerned, too much is not even enough.”—Pierre de Beaumarchais


    It was the “Balance and Perspective” class—the seventh in my workshop series of eight classes. I had asked everyone to bring a testimonial letter that was written to them. A testimonial letter is any letter that describes how wonderful you are in glowing, specific terms. We were going to take turns reading each other’s testimonial letters out loud.

    A beautiful young couple, Donna and David, created a special moment for us. Donna had written a two-page letter to David, declaring all the beautiful things she loved about him. As he gave the letter to Donna to read aloud to him, we could see that the letter was worn and crimped from usage, having been read and reread many times over. He said that he carries the letter with him at all times, and reads it whenever things get tough.

    (continued on page 96 of The Wealthy Spirit)

    Today’s Affirmation: “I love and am loved. I am in the heart of everything.”


    I received a lovely testimonial about the power of affirmations from Harriet Cohen, who came to hear me speak at the ASTD (American Society of Training and Development) meeting Saturday in Pasadena. Harriet is a great coach and business consultant. Her company Training Solutions provides clients expert assistance in the various disciplines of business development, strategic planning, human resources, training and development. You can find out more about her and her services at She wrote:

    I have been following Chellie Campbell for 6 years since I first read her book.  I was at a low point in my life and little did I realize the impact of her book and more importantly the affirmations. Over the last 6 years I could easily trace when I stopped doing the affirmations and when I got smart and refocused on my goals and affirmations.

    I am always amazed at how they work and still a little thrilled.  Most recently several things happened and the one that is fun is Italy.  My dream trip is to visit Italy, Greece, and more and ideally takes a month.  I have spoken about it often and was back to doing my affirmations; within one month my dear friend Suzanne said we are going to Italy, and then a student of mine who is from Rome reconnected with me.  She is going home, is in the hotel business and gave me a slew of connections. Then a networking connection asked me to assist a client of hers with a resume. The client couldn’t afford my fees but she was from Napoli and is giving me another slew of connections: she may even go with us or at least connect us with a guide for free.  Oh, and I’m going to Napoli, Sorrento, Palermo, and Syracuse in December.

    Thank you Chellie for reminding me to do my affirmations, take action and believe!!!

    You’re very welcome, Harriet. As are all of you who read these affirmations, practice the lessons in this blog, and go for your dreams. You deserve to have a fabulous life!

    It’s a Wonderful Life!

    Posted on April 4th, 2015 in The Wealthy Spirit by chellie

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

    94-April 4

    “I’d been busy, busy, so busy, preparing for life, while life floated by me, quiet and swift as a regatta.”—Lorene Cary


    We’re only in this life for a short time. And none of us knows just how brief it will be. Sometimes we get so wrapped up in our busy panoply of obligations that we forget to live.

    I was working on the program committee of a women’s business organization with a woman named Joan. Joan, the Program Chair, had her own consulting business and worked hard, long hours. She was very responsible, did every task to perfection—and thus had trouble delegating work to others or setting limits as to what she would do. She always said, “Well, if I don’t do it, it won’t get done or it won’t get done right.” You could always count on her if you needed to get a job done, but I worried about how stressed she seemed. She rarely took time off or a vacation.

    One evening, Joan called me for the phone number of a health professional we both knew. She was in terrible pain, and the doctors were having trouble diagnosing her condition. It wasn’t long before she went into the hospital for tests. I went to see her the day before her operation, and she was scared and nervous, as any of us would be. It was the last time I saw her. When they opened her up, she was full of cancer. She died ten days later.

    All of her friends and the members of the program committee attended her memorial service. We told stories of her love and courage, hugged each other and cried. The next day, the president appointed a new Program Chair.

    That hit me like a thunderbolt. That’s what’s going to happen when I die, I thought. They’re going to appoint a new me the next day. All those obligations, chores, and duties will be carried out by someone else or not done at all. That very day, I started eliminating all the excess clutter from my life: I didn’t have to be all things to all people, respond to every request, fret about every last detail. I wanted bigger, more important moments in my life. I refocused on my dreams and goals and let go of the administrivia. I called the people I loved and made sure I wasn’t “too busy” to see them. Often.

    Busses will run and planes will fly without you when you’re gone. Make sure that you live the life that you want to have lived by the time you’re done.

    Today’s Affirmation: “I enjoy each and every minute of my blissful life!”

    My friend and author of Fearless Living, Rhonda Britten, says, “If you don’t have a ‘no’, your ‘yes’ means nothing.”

    That really resonated with me, as it was often so hard for me to say “no”. Whenever anyone asked for help, I said “yes”. If people wanted me to volunteer for a board, I said “yes.” I was constantly on overwhelm, having signed up for too many things, rushing around to try and get everything done.

    In my senior year of high school, I was the lead in the school play, Worthy Advisor of Rainbow Girls, and Pep Chairman all at the same time. One semester in college, I was in a semi-professional dance company, choreographing and playing a part in the college production, and rehearsed a reader’s theater piece from midnight to 4:00 am because that’s the only time I was available! Oh, yes, and carried 19 units, too. It was all engaging and interesting and a lot of fun, but really. I practically had a nervous breakdown from the stress. Somewhere in my psyche I knew I was nuts.

    When I read, “When I Say No, I Feel Guilty” by Manuel Smith, I started to understand how to unwind from so many duties and responsibilities. I could just smile and say, “Thank you so much for asking me and I’d love to, but unfortunately I have a full slate of commitments right now and can’t take that on. Good luck with your project, and let me know how it goes!”

    One time some friends in a networking group suggested I run for president of the club. I smiled and said, “Thank you so much for asking me and I’d love to, but…”

    One man said, “But Chellie, you’d make a great president!”

    I said, “Thank you very much. I appreciate your confidence in me, but no.”

    “Why not?” he pressed.

    “Because I’ve been president of every club I’ve belonged to since I was twelve,” I replied, with a twinkle in my eye. “Time for somebody else to have a crack at it!”

    Let me be clear – being an officer in an organization is fabulous. You learn so much from the experience, it’s great for your professional visibility, and the camaraderie is fantastic. It’s just that if you always have to be the one in charge, maybe that stops being a good thing after a bit.

    If you’re too rushed, you won’t be happy. You need time to rest, reflect, and enjoy your activities. Make a list of everything you’re doing in order of priority, then chop off the bottom third and resign, quit, abdicate, withdraw from them.

    You might find a golden treasure at the end of that rainbow: free time.

    Health Costs

    Posted on April 2nd, 2015 in The Wealthy Spirit by chellie

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

    92-April 2

    “Every cloud has a silver lining but it is sometimes a little difficult to get to the mint.”—Don Marquis


    It seemed, no matter what I did, I got a bad cold every year. Someone would sneeze around me and bingo! A cold. My negative affirmations were loud in this area. And since I also believed that any cold would immediately degenerate into a sinus infection, it would be necessary for me to spend $125 for a doctor’s visit, plus about $75 for antibiotics, cough syrup, etc. So colds were not only miserable for my body, they were miserable for my pocketbook.

    Something had to be done. You can guess, by now, what I did—yes, positive health affirmations! But I could see I needed to back up the positive thinking with some ships, so I took action, too. I investigated preventive health measures, and decided to consistently take vitamins, eat better and exercise more. Each action I took was a physical demonstration of my mental belief in my health.

    (continued on page 92 of The Wealthy Spirit)

    Today’s Affirmation: “Shining, radiant health is flowing now through all parts of my beautiful body!”


    The cost of health is a very big topic – especially these days. My 93-year-old dad and I spent some quality lunch time near the end of his life discussing the Obama health care package (along with various wars, elections, and other topics-of-the-day). We were glad some action was taken, and understand “progress not perfection” but we are quite miffed that it’s all still left in the hands of the insurance companies. Why have a middle man skimming profits off the deal when you could have it all go through Medicare, a single payer system that already works?

    The insurance companies would still be around to provide Cadillac services for those who wanted and could afford all the extras. They’d be smaller, though, and they don’t want to give up the whole pie for just a slice. Understandable. But we should fight them on this, and win.

    The problem with insurance companies is that they make the most money from NOT SERVING THEIR CUSTOMER. They make more money when they deny claims, their profits zoom, the shareholders get richer, and the corporate executives make big multi-million dollar paydays. So is it any wonder that they devote a lot of their time and energy to preventing people from using the medical insurance they’ve been paying for? Watch “Sicko”.

    My friend Suzy beamed at me the other day at a networking meeting – she told me she was now 68 and proud of it. And delighted to be on Medicare. I signed up for that when I became eligible, too, and got my official Medicare card. That saved me about $6,000 a year. Because one of the down sides of owning your own business prior to the Affordable Care Act was that you were on the individual health insurance market, and they could basically charge you anything they wanted. raise your premiums any time they wanted, and dismiss you from insurance rolls entirely if you got sick and forevermore had a “pre-existing condition” that prevented you from obtaining any medical insurance at all.

    That was a sore spot with me.

    The medical industry is all out of whack from a financial perspective to begin with. No one knows what the real cost of any hospital stay is going to be. It’s impossible to price compare or be a smart consumer. When you’re sick, you go to the nearest or best hospital and your only thought is to get well. That’s not a great time for comparing costs.

    But the difference between the amount of money paid to the hospital when you have insurance, and the amount charged to you if you don’t have it is astronomical. So you have to have it, no matter what it costs.

    The latest news from some Financial Planner was that in the future you aren’t going to be able to live on Social Security because 90% of it will go to pay your medical costs.

    Now that, my friends, is really sick. Somewhere, somehow, somebody is going to have to fix health care costs. Who do you think is going to do it?

    Another Bad Habit Bites the Dust

    Posted on April 1st, 2015 in The Wealthy Spirit by chellie

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

    91-April 1

    “He has spent his life best who has enjoyed it most. God will take care that we do not enjoy it any more than is good for us.”—Samuel Butler


    I was in the middle of a hand of poker, when the woman tapped me on the shoulder. “Your friend isn’t feeling well,” she said. “She’s sitting in the women’s room and wants to see you.”

    Concerned, I got up immediately and rushed to the women’s room. Shelley looked awful. She was pale and sagging in the chair. “What’s wrong?” I asked. “I don’t know,” she replied. “I have a burning sensation across my chest.” “Okay,” I said, “Let’s go.”

    I gathered up Shelley’s belongings and my own, cashed out our chips at the casino cage, and redeemed the car from valet parking. “Do you think it’s heartburn?” I asked as we drove towards home. “I don’t know,” she said, “But I took some antacid tablets.” “Is it helping?” I wanted to know. “No.” There was finality in that reply. I looked at her closely at the next stop light. “Do you want to go to the emergency hospital?” was my next fateful question. “Yes.”

    You can bet I drove as fast as the traffic would allow and we screeched into the UCLA emergency room parking. The nurse sat Shelley down, took her pulse, then turned to the nurse behind her and said, “Get a bed ready!” They hooked Shelley up to many machines and we watched the lines and numbers go wildly up and down for the next few hours. Then they sent me home.

    Shelley had an angiogram on Monday and open-heart surgery on Wednesday. Triple bypass. The next week, a mutual friend of ours named Kathy died of lung cancer. Kathy was a smoker. So was Shelley. So was I.

    Sometimes the messages God sends us are so clear, so powerful, we cannot miss them. I heard this one. And my answer back was, “No, it doesn’t have to be me before I get it. Thank you. I quit.”

    I was a smoker for thirty years. I quit cold turkey. And you know what? It was easy.

    Protect your health and your body—you can’t make money without it. Is there something in your life that it’s time for you to quit? Or are you waiting for God to send you an email?

    Today’s Affirmation: “I love myself and treasure my health.”


    Oh, yeah, let me give you a tip: Never write a book righteously bragging about something you’ve done that you could undo…

    True Confessions: After I quit for about 3-4 years and gained 25 pounds, I said, “Yowza, that’s enough. Think I’ll smoke a little again!” Thought I might lose a little weight…that didn’t happen. But I resolved that I wasn’t going to smoke very much. So I have a cigarette now and again, usually when I play poker. It’s a nice break and I enjoy it.

    I rather enjoy that it’s just so un-PC, too. People have been horrified, really. I try to keep it a secret from all my health-nut friends, alternative medicine practitioners, and liberals of all stripes. People do get so self-righteous about it all – I can’t tell you how many nice people frown and get all huffy and tell me I should quit. One fitness instructor was going to take my workshop, but saw me have a cigarette on a break at a conference and said he had lost all respect for me and so wasn’t going to enroll. I just smile sweetly when people have responses like that. Like you have no vices? Sorry this one is so visible, but there you go. As Terry Cole-Whittaker said, “What you think of me is none of my business.”

    However, I think it’s really fortunate that California made it illegal to smoke indoors – that really helped me when I quit, and it keeps me from smoking more than a cigarette or two now and then. Especially when it’s cold or raining! I admit to enjoying my trips to Vegas where a person can still smoke indoors. First thing I do when I get there is grab a cigarette and a slot machine. Fun! But all the poker rooms there are smoke-free zones now, and that’s a good thing, too.

    So maybe you have a little vice or bad habit that you know is bad for you but you indulge yourself. I think that’s part of what makes people interesting. Just keep things in moderation and you’ll probably be fine. Know the risks and balance them against the rewards. Then enjoy yourself!

    What’s your secret sin?

    Update 4-1-15: I quit smoking. Again. December 10, 2014–so it’s been almost 4 months. I had been on a healthy diet, too, working with the amazing Terry Crystal, and lost 20 pounds. I felt really good! And so smoking just seemed antithetical to my new commitment to better health, eh? I slowed it down, and then just decided I didn’t need it anymore.

    The big test was when I went to Las Vegas in January with my poker buddies. I reaaallly wanted a cigarette when I played slots, but I just toughed it out and ate some cashews instead. Replacement therapy.

    I don’t know if there’s a 12-step program for quitting smoking, but I’m sort of following that program: I don’t have to decide to quit for life–I just decide that today, I won’t have a cigarette.

    Note: the time I most want to have one is when I see a “quit smoking” ad on TV. Don’t remind me!! Kicks in my “rebel against authority” persona.

    Time to eat cashews.

    I Guess I’m Just Lucky

    Posted on March 31st, 2015 in The Wealthy Spirit by chellie

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

    90-March 31

    “When you’re in the muck you can only see muck. If you somehow manage to float above it, you still see the muck but you see it from a different perspective.”—David Cronenberg


    Oops! My car broke again. Well, machinery gets old and stuff happens. This time I was in a parking garage behind a restaurant in Culver City. It was 10:00 P.M. and I was one of the last people leaving a networking dinner. The key wouldn’t turn in the ignition and the steering column was locked. The parking lot attendant came over and tried to get it to work too, but no go. Rats.

    Okay, time to play “The Glad Game”: Thank you, God, for the Auto Club. Thank you, God, for cell phones. I made some notes for my book and did some affirmations while I waited for the tow truck. Finally, my knight in shining armor arrived in the person of Bijan, astride his trusty steed, the Auto Club tow truck. He strapped my car to his truck, I got in the cab, and we took off for the repair shop.

    “You know, there are some good things about this,” Bijan said to me as we drove away. I looked at him in astonishment. The tow trucker from Iran was playing “The Glad Game”! He continued, “If your wheels hadn’t been straight, I wouldn’t have been able to tow you.”

    “Really?” I commented. “I guess I’m just lucky!”

    (continued on page 90 of The Wealthy Spirit)

    Today’s Affirmation: “I am a lucky person—I feel lucky today!”


    My friend and fellow author, Mariaemma Willis, gave me a great leg up when I was first writing The Wealthy Spirit.  She was in my Financial Stress Reduction Workshop, and one class she brought in a flyer advertising Mark Victor Hansen and jack Canfield’s “How to Buld Your Speaking and Writing Empire” weekend seminar and shared it with the class.

    “I want to go to that!” I exclaimed, and made a copy of the flyer, called them the next day, and enrolled. Mariaemma went too and we both had a fabulous time and learned a lot, and nurtured and supported each other over the next several years as we wrote and then published our books.

    Mariaemma is an expert at education and particularly children’s learning sytles, the subject of her book. She recently posted this excellent piece on Facebook and she gave me permission to reproduce it here:

    Last week, at one of my networking group meetings, we discussed Gay Hendricks’ book, The Big Leap, and his concept of the Zone of Genius. Our hostess focused on the idea that if we stayed in our Zone of Genius pretty much the whole day, that would bring us the most fulfillment and success, in our careers and our lives. We then did some exercises to re-discover and identify where our genius lies.

    And here is what’s so sad, I said to the group, when it was my turn. Here we are trying to resurrect our genius and encouraged to spend lots of time in that zone; yet for 12 or more years kids are prevented from doing this very thing, especially in school.

    What, you want to draw all day? No drawing until you learn your math facts. Do experiments all day? I don’t think so -  you’ve got English and Geography and Economics…Spend most of your time reading…or working with animals…or learning about aviation…you get the idea – it just can’t be done.

    School is set up to give you a well-rounded education and you must spend lots of time on these other topics, whether they are relevant to your real life or not. And then, years later, therapists and life coaches and career counselors ask, So what do you love? Why aren’t you doing that? What makes you the happiest? Geesh, why not encourage kids to do that in the first place – discover where your genius is and you will be happy and successful!

    By: LearningSuccess(tm) Institute Mariaemma Willis is co-author of Midlife Crisis Begins in Kindergarten and the best-selling Discover Your Child’s Learning Style. She provides programs that create learning & life success for all students, and shows adults how to re-discover their Power Traits through her Personal Success Profile workshops (

    It reminded me of a quote I love from The Road to Happiness: Simple Secrets to a Happy Life by Mac Anderson and BJ Gallagher (available at

    “When I was in grade school, they told me to write down what I wanted to be when I grew up. I wrote down, ‘Happy.’ They told me I didn’t understand the assignment. I told them they didn’t understand life.”—Anonymous

    $10,000 on a Day Off

    Posted on March 30th, 2015 in The Wealthy Spirit by chellie

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

    89-March 30

    “It’s when you’re safe at home that you wish you were having an adventure. When you’re having an adventure, you wish you were safe at home.”—Thornton Wilder


    Jerry Warner is a stock trader. A mortgage broker for many years, he has a knack for valuing stocks and companies, and started trading options on a regular basis. Bright, energetic and optimistic, he started a new business so he could share his ability with others. He re-enrolled in my workshop in order to collect new ideas and impetus for his new venture.

    Just after completing the course, the stock market went through one of its volatile phases. Stocks values jumped wildly—up one minute and down the next. Jerry started getting nervous. His stocks were plummeting. Should he sell and mitigate his losses? Or should he hold on for a rally? He called to tell me what he did next.

    “I just thought to myself, ‘What would Chellie do?’” he told me on the phone. He decided that the companies he had invested in maintained real value and that the market gyrations were only a momentary glitch. He remembered a saying had heard me repeat, “Never make a permanent decision while in a temporary state of mind,” so rather than watch the ticker tape and worry about the ups and downs all day, he decided to take a “Do Nothing Day” or “Pajama Day.” He took the rest of the day off, went home, got in his pajamas, relaxed, and read books.

    “So what happened to your stocks?” I asked.

    “Well,” he said, “my initial instinct had been to respond out of fear, cut my losses, and sell everything. But I remembered you telling us not to make fear-based decisions. I forced myself to remain calm and relaxed. By the end of the day, the market went back up.

    “I made an additional profit of $10,000—because I took a day off! Isn’t that a great story?”

    Yes, Jerry, it is.

    Playing the stock market game takes nerves of steel. You have to develop poker skills—to know when to hold them and when to fold them. If you’re going to get scared and sell out whenever the market goes down from time to time, you are not going to win at this game. You have to have a plan, sometimes revise the plan, mostly stick to the plan, and get the advice of a planner. It’s an adventure. It’s a gamble. Enjoy the ride—or don’t play.

    Today’s Affirmation: “I buy low and I sell high!”


    What looks like good news isn’t always good news, and what looks like bad news isn’t always bad news.

    One day, I dropped my cell phone for the final time. I tried putting it back together, but when it lit up it just said “Error in app 205”.

    I had no idea what that meant, but I took myself down to the Verizon store to see what it would take to fix it. I thought I might take a look at all the new smart phones while I was there, and see if an upgrade was in order.

    Mike, the nice young professional telecomm guy took me right in hand. “What can I do to help you today?” he inquired.

    I explained the problem and asked what “Error in app 205” meant. He checked with his computer, looked up and smiled. “Do you want the bad news first or the good news?

    “Give me the bad news,” I said. Make me sad then make me happy again seems to be the right order of things to me.

    “’Error in app 205’ means ‘I am dead’, he explained. “This phone is a goner and can’t be resurrected.”

    “Oh, dear,” I said, “I suspected as much. What’s the good news?”

    “The good news is we have a fabulous new upgraded Blackberry for you and it’s hardly going to cost you anything,” he beamed. And he was right. The new Blackberry was terrific, and he gave me a bunch of extra goodies with it along with a rebate etc. so it’s only costing me about $50.

    I called my trusty computer expert, Marc Chroman ( to come over and set it all up for me (far better than working my way through the manual myself, and much faster, too). So I had a camera, video, direct connection to Facebook and Twitter, a cute black and white plaid case…I was a happy camper!

    So what looked like bad news was really good news in disguise. I had been thinking a lot about upgrading my cell phone, so I guess the Universe just had to give me a more forceful nudge in that direction…

    Fast forward a couple of more years, and the new Blackberry flashed the red light of death and it’s soul fled Planet Earth for whatever afterlife such Artificial Intelligences inhabit. While looking around the Verizon store, I found the most beautiful, sparkly gold telephone case and I was in love. So I went to my service rep and said, “I want this case and whatever phone fits inside it.” Which turned out to be a beautiful gold iPhone 6. And the set-up was so easy I could do it myself. Yay!

    What’s your bad news/good news story?

    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!