The Wealthy Spirit Insider

    On Being Happy

    Posted on April 5th, 2014 in The Wealthy Spirit by chellie

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

    95-April 5

    “Very little is needed to make a happy life; it is all within yourself, in your way of thinking.”—Marcus Aurelius


    As human beings are creatures of endless desire and hunger for betterment, it is our nature to always want to improve ourselves and our circumstances. This can be a positive force, motivating us onward to greater glorious goods for ourselves and for others. However, one can become lost in the constant search and craving for the next best thing, so trapped in future imaginings that we discount and ignore the accomplishments of the past evidenced in our present.

    The art of happiness is an act of balance. We need to appreciate the process while we work within its creative ooze, the end result as yet unformed, like elements banging against each other in search of becoming sentient. As children playing with mud pies, the fun is in the making: baking in the golden sun, fingers sticky with mud-paint, grass-stained knees, brow wrinkled with concentration, searching for the perfect fine-grained dark earth to fashion into visionary pie. Day’s end will come soon enough, no need to hurry to completion, for then the fun is over. Rejoice in the dreaming, glory in the doing, and let the dirt clods fall where they may.

    Now, today, with your own mud-luscious imagined inventions, play with the ooze and be happy.

    Today’s Affirmation: “I am a rich child playing happily in Life’s rich playground.”


    I saved an article written back in 2006 by Janet Cromley in the LA Times, called “A Chuckle a Day”. It has some wonderful statistics about our mind/body connection in response to laughter:

    No joke. A good belly laugh – or even the anticipation of laugher – appears to beneficially affect the body’s hormones.

    Researchers at Loma Linda University and Oakcrest healthy Research Institute in Yucaipa discovered this in a study of 32 healthy men, half of whom were instructed to view a one-hour humorous video of their own selection. The other half simply sat in a room with an assortment of magazines.

    Blood was drawn before, during and after the trial.

    The scientists found that those chosen to watch the humorous video had, on average, 27% more beta-endorphins and 87% more human growth hormone in their blood than the control group – before the video clips even started to roll. The levels of these beneficial hormones remained elevated during and after the experiment.

    The research, presented at a meeting in San Francisco last weekend, builds on previous studies that show exposure to humor has other healthful effects, such as lowering levels of the stress hormones cortisol and epinephrine.

    “The benefits of laugher are similar to exercise,” says lead researcher Lee Berk of Loma Linda University. “Laughter has a positive effect on the cardiovascular system. Blood pressure is lowered overall and resting heart rate decreases. Additionally, the immune system appears to get tuned up.”

    In short, he says, “We should become more serious about laughter.”

    P.S.  I used the word “mud-luscious” which is from a wonderful poem “In Just”  by e.e. cummings that I first performed in a reader’s theater production in high school. I never saw it used anywhere else, but I thought it wonderful and wanted to spread its usage here. Google it and you can read the whole poem online.

    It’s a Wonderful Life!

    Posted on April 4th, 2014 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.

    Restful Sleep

    Posted on April 3rd, 2014 in The Wealthy Spirit by chellie

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

    93-April 3

    “The last refuge of the insomniac is a sense of superiority to the sleeping world.”—Leonard Cohen


    Insomnia used to upset me. I would have trouble falling asleep, then wake up in the middle of the night, angry and anxious about not getting enough rest. I just knew I would be tired and crabby in the morning. This negative energy fed on itself, and I had more and more sleepless nights. I was trapped in my negative thoughts about sleeplessness.

    As I began working with positive affirmations, I focused my positive energy on money and business, but forgot to apply the same principles to my sleep habits. Duh! After about the thousandth time, I saw what I was doing to myself and knew I could change my mind and change my sleep. I started doing some positive affirmations about my restful sleep.

    (continued on page 93 of The Wealthy Spirit)

    Today’s Affirmation: “I get all the sleep I need each night, and awake refreshed and energized each morning!”


    Throughout my life, I have taken many workshops. I have seen how people can receive incredible amounts of useful information, and go home energized and excited from the experience they had—they are on “workshop high.” It lasts about three days. Then they wake up one morning struggling to apply what they learned, without knowing how to systematically put all the new information into practice in their daily lives. The same thing often happens when people read self-help books. They start out with great intentions and maybe they are able to implement one or two positive changes from hundreds of new suggestions. Then a problem comes up, their old habits intrude, the old negative voice plays its rusty recording once more, and the good feeling evaporates. Grudgingly, helplessly, they fall back into the same patterns of behavior they were trying to avoid.

    To cope with this problem, I designed my workshop to take place over eight weeks, so participants could assimilate the information and put it into practice over time. The goal was to help people create new habits of thinking and behavior, which would produce actual results during the class. Learning should be fun, so I teach by story, participation and example. I wanted to translate this workshop process into the book, without having it degenerate into a “to do” list of instructions, chapter by chapter.

    That is why I wrote this book in a page-a-day format. It was designed to help you succeed through changing your attitudes and beliefs about money and motivating you to take actions that produce abundance through a daily practice. You don’t have to try to take in all the information at once; you don’t have to twist yourself into a complete transformation today. Just take one step every day: One thought, one goal, one action every day of the year and you can change your financial condition, increase your income, live debt-free, have work you love.

    The page-a-day idea didn’t come immediately. I struggled for awhile, looking at all the financial books in the bookstores and wondering how I could make mine different. But I had been reading The Daily Word from Unity Church every day since the 70s, and one day while I was driving (a great place for creative thinking!), it struck me to do my book like that. I could get people interested through the stories, motivate them, and help them to make changes slowly on a daily basis.

    I thought I was a genius with this idea until I had written 100 stories and realized I had 265 more to write! Oy. Every night before I went to sleep, I prayed, “Dear God, please send stories!” And stories came. I’d wake up around 5:00 am and go directly to my computer and start writing them down before breakfast.

    Why do we sleep? Perchance to dream, to connect to our soul, God, the Universe. To access hidden parts of our minds, remember and deepen in awareness.

    And to get stories.

    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!


    Health Costs

    Posted on April 2nd, 2014 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 last year, too, and got my official Medicare card. That will save me about $6,000 a year. Because one of the down sides of owning your own business is that you are on the individual health insurance market, and they can basically charge you anything they want, raise your premiums any time they want, and dismiss you from insurance rolls entirely if you get sick and forevermore have a “pre-existing condition”.

    This is 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.

    I’m a healthy girl. Other than a hysterectomy back in 1985, I haven’t needed a thing beyond general medications like antibiotics. I hate having to pay so much money for insurance that I don’t use, but I have to have it “just in case” something should happen. And I consider it a contribution I make to the people who can’t afford healthcare, you know? Then I just relax about the whole thing. Like, God, I’m glad I haven’t been so sick and needed the insurance!

    But I think they should give me a hefty discount because of the hysterectomy. There’s so much more that can’t go wrong now, I’m really saving them money!

    What do you say, girls?

    Another Bad Habit Bites the Dust

    Posted on April 1st, 2014 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?

    I Guess I’m Just Lucky

    Posted on March 31st, 2014 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

    Do Nothing Day

    Posted on March 29th, 2014 in The Wealthy Spirit by chellie

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

    88-March 29

    “I work for myself, which is fun. Except for when I call in sick—I know I’m lying.”—Rita Rudner


    After I had the revelation about my habit of getting sick in order to get out of commitments, I decided I had to change my behavior. I had to learn to say “No” to more things and break the cycle of over-commitment. I had to focus on my priorities, and one of them had to be my health.

    I took a long, hard look at my calendar and all the activities I planned each week. I realized I was on the go too much—even with fun things. I needed more “do nothing time.” I looked at what I did on my sick days: I stayed in my pajamas, wrapped myself in a blanket, I watched TV, I read books, I napped throughout the day, I talked with friends on the phone, I ate foods that made me feel better, I drank hot tea and soup. I wondered what it would be like to have a “sick day” when I wasn’t sick? So I created “Do Nothing Day.”

    On “Do Nothing Day,” I eat my favorite foods and watch videos of recent movies I really want to see. I always have several books I’m in the middle of, so I’ll read them when the mood strikes me. I might play computer games, chat on the Internet, do crossword puzzles. I sit on the patio and watch the birds. I often stay in my pajamas, or at least wear comfortable scruffy clothes. I don’t go anywhere. I don’t put on any makeup. I don’t answer the phone (it might be work related, and I’d rather not explain about “Do Nothing Day” on “Do Nothing Day.”) I drink my tea and cuddle with my cat. There is a great pleasure in lying on a bed, holding a cat with its motor running, knowing you don’t have to get up anytime soon and rush off.

    After a “Do Nothing Day,” I am a bundle of energy and enthusiasm: Renewed, refreshed and once again eager to connect with the world and do the work I love.

    When was the last time you took a day off just to loaf around? Put one on your schedule now.

    P.S. “Do Nothing Day” is not “Chores Day.” You do not have permission to do anything constructive.

    Today’s Affirmation: “I revel in relaxation!”


    I realized that when I was a kid, I was never excused from school unless I was sick. There were no “mental health” days, or playing hookey at our house. My parents were very serious about education and following the rules and doing what was expected of us. Staying home from school just for fun would have been bad.

    But when I was sick, my mom would pamper us silly. She’d fix us milk toast or cream of wheat for breakfast and chicken soup for lunch. We got to lie on the couch and watch television (all 7 channels) or read books. Mom would plump our pillows and hourly ask how we were feeling. It was rather a “Queen for a Day” experience.

    No wonder I always worked hard and didn’t give myself many breaks – except if I were sick. It was just a mirror of my early training which had sunk into my brain as an oft-repeated pattern without my realizing it.

    Now I have incorporated “Do Nothing” days into my regular schedule. Ahhhhh. Each one feels just as wonderful, relaxing, and a little bit decadent as that first one did. It’s become my new habit. Enjoying myself – now that’s a habit pattern I want.

    It Pays to Be on Time

    Posted on March 28th, 2014 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, 2014 in The Wealthy Spirit by chellie

    Chellie Campbell, wealth, wealthy spirit, The Wealthy Spirit, 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 2 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, 2014 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!