The Wealthy Spirit Insider

    The Emotional Bank Account

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

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

    317-November 13

    “You leave home to seek your fortune, and when you get it, you go home and share it with your family.”—Anita Baker


    Sometimes when I speak to groups, I tell my story of having come to Hollywood to be a star. I pause, look around the audience and ask, “Anybody recognize me?” There is usually a good laugh at that, but once a hand shot up in the back of the room and a shout rang out, “I do! I do!”

    I looked out into the audience, recognized the speaker and said “Thanks, Mom!”

    That was one of the endless deposits Mom and Dad made into my emotional bank account. Sometimes the “Bank of Mom and Dad” made deposits into my monetary bank account as well. They were always there for me, no matter what. I think they saw every play I ever performed in, whether driving to Santa Barbara or flying to Eugene, Oregon. The haven of home was the safety net that allowed me to leap out to catch the flying trapezes that filled my life.

    In 1974, I was performing in Lubbock, Texas at the Hayloft Dinner Theater. The play was Love and Kisses and the star was Lyle Talbot, most recognizable as the neighbor on Ozzie and Harriet. Just before show time one Saturday night, I got a call from my Dad. He just had to tell me that at the office one day, he had mentioned that I was appearing with Lyle Talbot and his boss exclaimed that Lyle was his cousin! What a coincidence! We laughed and talked awhile and then Dad said, “Well, how do I get to the Hayloft?” “How do you get here?” I asked. “Where are you?” He said, “I’m at the airport in Lubbock.”

    I couldn’t believe it. He had had a business trip to Houston, and thought he’d make a surprise side trip to Lubbock to surprise me. I was so excited! I told everyone backstage what had happened and that my Dad was coming to the show. Lyle Talbot spoke to the audience, told the story and introduced my Dad, having him stand up and take a bow. Dad and I were both beaming. We made big deposits into each others emotional bank accounts that night.

    In the ebb and flow of life and relationships, sometimes we’re making deposits and at other times withdrawals from other people’s emotional bank accounts. Relationships die when the withdrawals exceed deposits. Some bank accounts go untended for years until finally the accounts are closed and the proceeds distributed to the winds.

    Who’s minding your emotional bank account? Where are you making deposits? Where are you making withdrawals? Are you in the black, or are your accounts dripping red ink? Who are your depositors? Your lenders? Your borrowers? There is great emotional wealth in countless gold minds around you. Make some deposits today.

    Today’s Affirmation: “I give and receive endless blessings of love.”

    My dad left us a year ago last spring, at 93 years young. We miss him terribly, but treasure the memories.

    It was fun to read this story again this morning and remember my surprise and delight when he showed up at the Hayloft Dinner Theatre that night. As you can see, dad was quite a character. The older I get and the more I read about the world, the more I appreciate how lucky I have been in my family.

    In this holiday season, take time to acknowledge and relish your loved ones – whether your family of origin or family of choice. Make sure all their emotional bank accounts are full – send treasure ships of love into their harbors, today and every day.

    Love and blessings to you, who are part of my dolphin family pod of choice!


    Live within Your Means

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

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

    316-November 12

    “Annual income twenty pounds, annual expenditure nineteen nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.”—Charles Dickens


    Notice that you can add any amount of money to this formula and the result is the same. If you make a million dollars a year but spend $1.2 million, you’re in just as much misery as the person who makes $30,000 and spends $32,000.

    The problem is over-spending. Human beings are basically just desire machines. It sometimes seems we can’t get enough of anything. I know it’s impossible for me to go shopping in the mall without seeing at least $10,000 worth of stuff I’d like to buy. It’s amazing how fashion designers are always able to create more beautiful, fascinating clothes that I want. It doesn’t matter how much I already have in my closet, there’s always a new cashmere sweater or tweed skirt or cut-velvet scarf that attracts my eye. The sporty gold Lexus I’m driving is great, but, hey, did you see that new Jaguar over there? It’s impossible for me to visit a bookstore without leaving with more books I just have to read….

    One of the worst cases of spending bulimia I ever saw was illustrated in an article in the Los Angeles Times entitledThe Ultimate Material Girl. It was the story of an accounts payable clerk who embezzled $1.5 million from the manufacturing company for which she worked. Distraught over the troubled relationship she had with her daughter, she stole in order to keep pace with her daughter’s spending. Trying to buy her daughter’s love, she bought her a Mercedes, a Porsche, a Saab, and a Jeep Cherokee. The daughter’s closets were filled with designer fashions, $400 shoes, Louis Vuitton luggage, receipts for a $10,000 birthday party and $113,000 in home decorating services. She shopped every day. As long as the mother stole only $10,000 a month, her theft went undetected. But when the daughter tried to cash a check for $45,000, the bank manager got suspicious, and the jig was up.

    The hole these people felt was not in their wallet but in their souls. It could never be filled with material goods. Surrounded by wealth, they were miserable. At some point, you have to decide that whatever you have is enough, and that what you will spend is only whatever is on your budget to spend, and no more. Then look for life’s riches in friendships, helping others, being of service, and appreciating all the good things the world offers that are free to us all.

    Live within your means. Love above your means. And both will increase.

    Today’s Affirmation: “My heart is filled with love and my bank account with money!”

    “After you’ve written your book, found an agent, gotten a publisher, and your book is finally in the bookstores…five percent of your work has been done.”—Jack Canfield

    Oh, my goodness, what a lot of work it is to do a book!

    Not the writing. That’s the fun, creative part.

    The sales and marketing part is what takes the work – just like in every business, eh?

    After reviewing the final proof and putting the finishing touches on the manuscript, I spent about three weeks filling out my publisher’s Author’s Questionnaire, with questions like these:


    • List any books that might compete with your book. Give the book title, author, publisher and date of publication if known. How is your book different? How is it better?


    • What are three hooks or ideas that your book can be tied into for media interest? What points do you believe should be emphasized in the promotion of your book? Are there any circumstances connected with the book that might have news value?


    • Please describe how your book could be most effectively translated into a television segment on a popular show like Oprah, The View or The Today Show

    (Well, I like the sound of that!)

    And then I got a number of ARCs (Advanced Readers Copy) to send out to other authors for blurbs…you can see some of them on the book’s amazon page here where you can also pre-order the book:

    Check out my newly redesigned my web site at!! Big thank yous to my wonderful designer Linda Cotter and web master Ron Arciaga!

    AND I am filming a new video for the web site with the fabulous Jaime and Steve Geffner. Jaime and Steve will be filming some of my remarks after the Women’s Referral Service (WRS) dinner meeting Thursday, November 13th at the Sportsman’s Lodge where I am the Speaker/Sponsor. We will also film a few testimonials—if you’d like to participate in that, please let me know. All guests are welcome, too. Would love to have you join us! For details, go to or call 818-995-6646 for reservations.

    Have a happy day!


    Read All the Fine Print

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

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


    315-November 11

    “Education is when you read the fine print. Experience is when you don’t.”—Unknown


    After my bankruptcy, I needed to reestablish good credit, so I applied for a “secured credit card.” This is a credit card that is issued when you put money in a savings account at the bank that issues you the card. The credit limit on the card is equal to the amount of money in your savings account. With time and a good credit history, they may periodically raise your limit without requiring that you deposit additional funds in savings. (Of course, they are dealing with people with problem credit, so they charge you a hefty interest rate for any money you borrow on the card.)

    I was pleased to receive a letter from them after several years, stating that because of my “excellent record” with them that I qualified for a $1,000 upgrade reward certificate. (After problems with credit, hearing that you have an excellent record with anyone is music to your ears.) I thought the additional credit might come in handy some day. The letter requested that I sign a form and send it back to them. I started to do this immediately, but, habitually wary of small print, I continued reading the letter.

    Am I glad I did. They wanted a fee of $75 for the upgrade, which basically meant I was paying cash for the privilege of giving them the opportunity to earn more money. I didn’t like that very much, but thought perhaps the fee would be worth the increased limit on the card.

    I kept reading. Then, on the back page, at the bottom, in small print, I found a statement that made my blood boil. If you accepted their offer, the annual percentage rate would be changed—from an already high 19.8 percent to 23.99 percent! As if 19.8 percent wasn’t bad enough. Thank heavens I read the entire letter. But I know most people don’t.

    I wrote them a letter immediately, declined their offer, and strongly protested their campaign and business ethics. I never heard from them. But several months later, there was an article in the newspaper describing a class action lawsuit that had been filed against them for unfair business practices. What goes around, comes around.

    Ignored any fine print lately? Mark Twain once said that the person who doesn’t read good books has no advantage over the person who can’t read them. That goes for reading the fine print, too.

    Today’s Affirmation: “I am an intelligent consumer—I know all and see all!”

    There are a lot of sharks out there – some individual and some institutional. It makes me see red when I read about institutions taking advantage of consumers by hiding behind small print or verbage that no one can understand. Sharks think that kind of thing is good business because it makes them more money. I remember a business seminar leader who told his clients to automatically send out second notices even to companies who had already paid because sometimes they would mistakenly pay their bill twice and you could keep it. Like he didn’t know that is stealing?? Sheesh.

    One morning, I read on about yet another accountant for movie stars who misused their position of trust to steal from their clients:

    An accountant admitted Thursday that he made “Law & Order: Special Victims Unit” actress Tamara Tunie a real-life crime victim by stealing more than $1 million from her, the Kansas City Symphony’s music director and other clients.

     Joseph Cilibrasi, who was Tunie’s business manager for more than a decade and cultivated other clients in the arts, pleaded guilty to grand larceny and other charges. He used some of the stolen cash to finance his own forays into entertainment, including investing in movies and Broadway shows and hiring a screenwriter to pen a script about a historic building, prosecutors say.

    Cilibrasi’s plea deal calls for two-and-a-half to seven-and-a-half years in prison. He is free, pending a Jan. 4 sentencing. Cilibrasi, 51, told a Manhattan judge he secretly opened a credit card account in Tunie’s name — and got his own card on the account by falsely listing himself as her husband — and wrote checks to himself from her accounts without her permission.

    Dolphins, beware. We want to be loving and trusting, but you’ve got to be careful who you do that with. There are sharks in dolphins clothing swimming in the oceans!

    What You Don’t Do Will Cost You

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

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


    314-November 10

    “A pessimist is one who builds dungeons in the air.”—Walter Winchell


    A group of friends who were all women business owners and I gathered together at a fine restaurant. We laughed and told stories while we ordered luscious meals from the menu. Charlene, a successful young chiropractor, quietly ordered a small dinner salad and hot water. My face expressed a look of shock as she pulled a tea bag from her purse. She looked at me sorrowfully and said that she wasn’t, she just couldn’t afford to buy dinner.

    She had taken my workshop a couple of years before, and I knew her business had been doing well. After her responses to a few pertinent questions, like “Are you still doing your affirmations?” (to which the answer was “No”), I told her it might be a good idea for her to come back for a refresher course. She agreed.

    One homework assignment was for everyone to fill out a personal balance sheet, listing all of their assets and liabilities. Charlene called: “I just can’t do this homework, Chellie! Can I come to class early and have you help me with it?” I said, “Of course,” and when she arrived, we got to work. First, we started listing all her assets. No problem there. She had business and personal checking accounts with healthy cash balances, and a money market account as well. She had savings, a retirement account and owned a condominium. “Hmm,” I wondered to myself, “Perhaps her problem is her debt load.”

    Sure enough, as we started to work on the liabilities, Charlene got nervous. I asked if she had any credit card debt. “Yes,” she said weakly. I thought this was is the problem. “Okay,” I said calmly, “How much is it?” With a lump in her throat, she whispered, “Five thousand dollars.”

    “Is that all!?” I exclaimed. “You’re this upset over only five thousand dollars?” She looked at me wide-eyed. “You don’t think that’s a lot?” she asked. “No!” I blurted out. “That’s nothing! I often see people who owe fifty thousand, sixty thousand dollars. You could pay off this five thousand dollar debt tomorrow with the money you’ve got in your money market account.”

    Charlene changed in front of my eyes. She started to smile and then to laugh. She told me that she hadn’t done the balance sheet exercise the first time she took the class because she was too embarrassed about her debt to write it down. She had continued to feel bad about herself because she didn’t have a healthy perspective about her financial affairs. She spent two years with the Low Budget Blues unnecessarily. She asked me to tell her story to all my subsequent classes with the warning “What you don’t do in this class will cost you!”

    Today’s Affirmation: “I count my money and watch the count go up every day!”

    Here’s another way that what you don’t do will cost you: not marketing, not selling, not going to networking events, not being active on social media sites, not having a newsletter, not making gold calls. As my friend Nancy Sardella, founder and CEO of Worthwhile Referral Sources, said, “You can’t quantify how much business you’re not getting through your non-efforts.” Brilliant.

    The real money you lose in life is the money you fail to earn. How much is that? What if you were able to raise your prices 15% but didn’t – how much money is that in a year? Five years? What other product or service could you have provided that could have created an additional income stream for your business? What if you had negotiated your starting salary for an additional $5,000 per year twenty years ago? Considering most raises, bonuses, and perks are based on that starting salary, how much have you failed to earn in the last twenty years?

    It’s adding up to a lot of money quickly, isn’t it? But don’t despair or spend too much time moaning about the lost income. Rather look ahead at all the possibilities for creating more income now! Invent that new product, raise your prices, ask for a raise. Figure out your value and start earning that now. You can do it!


    Need and Want

    Posted on November 7th, 2014 in The Wealthy Spirit by chellie

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


    311-November 7

    “It’s possible to own too much. A man with one watch knows what time it is; a man with two watches is never quite sure.”—Lee Segall


    “Let’s go shopping—I need to buy some clothes!” I told my friend, Shelley.

    “Need?” she asked.

    She caught me. “Well, no,” I admitted. “I already have clothes, so this isn’t about need. It’s really about having some fun at the mall!”

    “That sounds good,” she replied. “Let’s go!”

    We often overuse the word “need.” It’s been mentioned by various prosperity teachers that using the words “need” and “want” create a feeling of lack and limitation rather than abundance and wealth. If you’re needy, you’re poor; if you want things, it’s because you don’t have them. The dictionary definition of want includes: “1. A lack; shortage; 2. Poverty; 3. Craving; 4. Something needed.” Need is partially defined as “1. Necessity; 2. Lack of something desired or required.” These words are better avoided if we desire (almost said want!) prosperity.

    Watch your usage of these words today. When you use them, how are you feeling? Are you feeling anxious from a sense of lack and limitation?

    Continued on page 311 of The Wealthy Spirit

    Today’s Affirmation: “I richly enjoy my rich life!”

    Sometimes people get a little too wrapped up in the words. I’ve read self-help authors who say they don’t believe in affirmations, but they believe in positive thinking. I think there was a backlash to using the word “affirmation” because too many people were thinking they were magic phrases that would somehow win them the lottery. Clearly, that isn’t a workable strategy in the material world. Then the word is a little too “new agey” for some people, and they don’t want to use it because they want to be taken seriously.

    In “9 Steps to Financial Freedom”, Suze Orman calls these positive thoughts “your new truth” and the press labeled them “money mantras.” T Harv Eker, in “Serets of the Millionaire Mind”, calls them “declarations.” My friend Rhonda Britten, author of “Fearless Living” calls them “intentions.” Affirmations, Zillionations, Schmillionations – I don’t care what you call them. Call them “assertions” if you’re practical. Call them “affirmations” if you’re metaphysical. Call them “Chellie Chants” if you’re fun. Call them anything you like. Just call them.


    True Colors

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

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


    310-November 6

    “Colors are the smiles of nature.”—Leigh Hunt


    The world is rich in color: The bright orange of a sunset deepening to purple at the edge of night, luscious yellow daffodils perched in forest green gardens, gold and russet leaves falling from dark brown trees. Who has not marveled at the iridescence of a peacock’s plume, the pure white of a swan, the mottled magnificence of a leopard?

    We humans have colors, too. If you want to look and feel rich, it is important that you develop your color style, and dress in the colors that are most suitable for you. When I met Jennifer Butler, a color stylist, she told me that if you wear your best colors, people will be unconsciously attracted to you without knowing why. I thought that would certainly be an asset in my profession, and I promptly hired her.

    Jennifer’s system subdivided the usual color categories of Spring, Summer, Autumn, and Winter and she determined that, with my red hair and green eyes, I was a “Metallic Autumn.” She showed me samples that included a lot of shiny, sparkly material. But I love all colors so much, my wardrobe was filled with choices in other colors—colors that looked beautiful on the store mannequins but were a complete washout on me. Jennifer and her team came over to help me go through my closet for the weeding out process. Amid shrieks of “No, no, not that one!” about half my wardrobe ended up at the Goodwill. When I just couldn’t bear to part with a particular outfit, Jennifer suggested I designate a special section of my closet for the color misfits. I was relieved, but she smiled and told me I might take them out and try them on, but I wouldn’t wear them again.

    She was right. I never wore the loud, navy-blue-and-white-striped dress again…

    Continued on page 310 of The Wealthy Spirit

    Today’s Affirmation: “My true colors are shining through and I look and feel great!”

    The World Series of Poker Main Event final table took place this week. The largest prize pool of any sporting event anywhere, the final three players out of more than 6500 entrants were paid $3.7 million, $5.1 million, with $8.3 million going to first place. A lot of people wishing to win the lottery might notice that the odds of winning the World Series of Poker is 1/6500 whereas the odds of winning the lotto are more like 1/20,000,000. Poker is a game of skill, though, so you’d better start practicing. You can play in a little $20 buy-in tournament at your local casino, read some poker instruction books, and start learning. As Mike Sexton, Poker Hall of Fame member and co-host of the World Poker Tour says, “Texas Hold’em takes a minute to learn and a lifetime to master.”

    Poker has been a great hobby of mine for many years, and I’ve had some lovely wins along the way. Make no mistake, I’ve had losses too – everyone does. You can’t take risks and win every time. The profit is found in the edge between the wins and losses. It’s managing that edge that separates the great players from the masses. To understand your win-loss ratio, you have to keep track – yes, it’s another budget! But it will keep you honest about your expenditures on your hobby, and might drive you to work on your game to improve your performance. Poker is a game of skill, although luck is involved, too – just like in business.

    Sometimes you run good, and sometimes you don’t. Sometimes you catch the cards and the business, sometimes you’re card dead, and the business goes elsewhere. “Sometimes you’re the windshield, sometimes you’re the bug.”

    The wins and losses, highs and lows, all add up to a juicy, exciting, wonderful life!


    You’re Wearing Your Thinking

    Posted on November 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”


    308-November 4

    “Most of the shadows of this life are caused by our standing in our own sunshine.”—Ralph Waldo Emerson


    You’re wearing what you are thinking.

    It’s on your face: Your emotions show. If you’re angry, I can see it. If you’re happy, I can see that. I know if you’re depressed, exuberant, alert, sleepy, cocky, defiant, joyful, excited. Your expression tells me if you love your life, love your fellow man, love me.

    It’s on your body: I can see the self-respect of the person who dresses carefully, neatly, cleanly. The flamboyance of loud colors states clearly you are unafraid of my opinion. The nose rings and multicolored Mohawks of the young people on Melrose Boulevard speak to me of teenage rebellion and worse (although I could be wrong about the worse). Rich fabrics and fine jewelry tell me you have manifested some wealth in your life. Rags tell me you haven’t.

    Studies have shown that some 75 percent of our opinions about other people are formed in the first thirty seconds we meet them through non-verbal clues.

    You’re talking your thinking.

    After the visual, the verbal clues declare themselves. When you talk, you betray your culture, your upbringing, your education, your intelligence, and your beliefs. When you say “Yeah, but” I see where you are stuck along the path to your dream. When you ask questions, I believe you are interested. When you never ask questions, I assume you are not. When you talk with energy, I catch your excitement. When you complain about things, I catch your resentment.

    Some people are wearing Heaven. Some people are wearing Hell.

    So. What are you wearing today?

    Today’s Affirmation: “I am proud to wear the abundant thoughts that I am thinking today!”

    One year, I got a bad case of the flu.  I was following the doctor’s orders – resting, drinking lots of fluids, taking my antibiotics, and just generally being a bed potato (couldn’t get to the couch). I cancelled everything on my calendar. Watched some TV but it’s amazing how you can have 300 channels full of 24/7 broadcasting and not find very much of interest.

    But a friend I trade books with (we’re both into sci fi and fantasy fiction) had included Ken Follet’s “Fall of Giants” in his last shipment. I had enjoyed his “Pillars of the Earth” and “World Without End” enormously, so I settled in with his nearly 1,000 page tome about 5 families during the period of 1911-1924, from just before World War I and just after. It was enormously entertaining! From the upper class British nobility to the coal miners who worked under their land, to the German aristocrat balancing his love for his country with his forbidden love of an English girl, then to the poor Russian brothers – one a scoundrel and one a saint, and the American eager young politician working for Woodrow Wilson, I was enthralled with their stories.

    I have always enjoyed historical fiction, following a group of characters as they react to the political, social, and economic issues of their particular time. It’s a more interesting way of learning history, to look at political decisions through the eyes of a person who might have lived through it, with all the personal motivations that might have intruded upon them. You can read facts and statistics until you’re blind, but when you put them into the lives of characters you’ve come to know and care about, they have a particular resonance. I was horrified by the lives of the miners, working in the dark caverns under the earth from 6 am to 7 pm,  6 days per week, with few laws to protect them or guarantee their safety. I was chagrined at how women were in bondage their whole lives – first to their fathers and then to their husbands – with few laws protecting them and no right to vote. The Russian revolution happened because the tiny group of the nobility had everything and the vast millions of the population had nothing and no chance of ever getting anything.

    I shuddered over the way things were then and celebrated how far we have come, while recognizing the dangers we face now as a world economy where too few have too much and too many have not enough. When the divide gets too large, revolutions happen like the Arab Spring. You can’t hold people down forever, they will rise up. It’s what comes next that is most important: what political and institutional systems will be set up to fulfil the dreams of the future?

    A year later, I read the second volume in Follet’s trilogy, “Winter of the World”, which follows the characters’ families through World War II. It’s wonderful to pick up the threads of narrative with engaging characters you’ve already come to know and love, and then fall in love with their descendants too. Now I’m reading the third book in the series, which takes place during the social and political upheavals of the 1960s. I’m enjoying this one perhaps a bit more - because I don’t have the flu!


    Habits of Feeling

    Posted on November 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”


    307-November 3

    “You can’t see the sun when you’re crying.”—American Proverb


    Feelings run our lives. We go to movies, theater productions, watch television, and listen to music in order to feel the emotions they evince in us. Emotions are the game. We choose “three-hanky” movies, scary horror films, super-spy thrillers, fast-action adventures, romantic fairy tales, racy sex sagas, uplifting spiritual stories, dark, seamy sordid stories of hopelessness and despair. We want to feel the adrenaline rush joy of the lovers, the anxious fear of the threatened heroine, the shrieking mourning of the lost, the epiphanies of the saved. Sometimes we walk out of the theater wishing our lives were really like that. Sometimes we walk out and thank God our lives aren’t like that. But in each case, we go there for the emotional fix, that adrenaline juice cocktail that spices up our lives.

    The problem is that we think that it’s the movie that produces our emotions and that it’s our lives that make us feel the way we do. But the opposite is true. We choose the movie, and we choose the life in order to feel particular emotions we’ve gotten into the habit of feeling. That’s why some people choose fulfilling marriages over and over, while others choose emotional firing ranges. We look at the outside circumstances of our lives and then say the circumstances are responsible for the way we feel. But we choose the circumstances in order to feel this particular way, just like we choose a movie. Then habit takes over, and we reproduce the same circumstances and the same emotions over and over, forgetting that we set it up this way.

    Family reunion at the B&B in North Carolina


    Want to feel richer? Happier? Calmer? More loved? Each day, sit quietly and think about a past incident in your life when you felt the positive emotion you want to feel again. Remember the exact circumstances, where you were, what the place you were in looked like, what season of the year it was, what smells, sounds, textures were present, who was there with you. Then concentrate on what happened and how you felt, moment by moment. Feel the feelings as if it was all happening again, right now in this moment. This is a technique, called “emotional recall,” that actors use to reproduce emotional states.

    Practice feeling the emotions you want in your life. And stop reveling in emotions you don’t want. Don’t tell the abuse story anymore, don’t argue with your spouse over the same old thing, don’t talk about your exhaustion, your resentment, your depression. Don’t go to the horror movie today. Decide to live in the emotional space you desire and your outer circumstances will start to change to match.

    Today’s Affirmation: “I feel happier, richer, and more loved and loving every day!”

    There are so many emotions I relish recalling – like our family reunion in North Carolina. I loved visiting with my cousins and their families – how our love grows through succeeding generations. Puts a big smile on my face every time. The circle of life and love expands. Think on these things and enjoy your day today.

    Front row: Olivia in stroller and her sister Addison; Back row: Jennifer (girl’s mom), me, my sister Carole, cousin Gail, my sister Jane, Donna (girls grandma)


    Send Ships into Someone Else’s Harbor

    Posted on November 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”


    305-November 1

    “We are each of us angels with only one wing and we can fly only by embracing one another.”—Luciano de Crescenzo


    Sometimes, no matter what I do, it seems that nothing is working. Every call I make to enroll someone in the workshop is a “no,” people who I thought were enrolled for sure call to change their mind, a bill I wasn’t expecting crops up unannounced. I find myself fighting fear of financial stress—again. All systems are not go. I do not pass go; I do not collect $200.

    Breakdown. We all have these times. Who knows why? Something isn’t centered within our own thoughts and beliefs, we have a new challenge or a new lesson to learn, it’s a full moon, Mercury’s in retrograde, or it’s the economy, stupid.

    I only know what works to get me past it—help someone else. As Zig Ziglar is fond of saying, “You can have everything in life you want, if you just help enough other people get what they want.” I take this to heart on these days that trying to get my own needs fulfilled isn’t working. I pull out my list of contacts and instead of focusing on who wants to buy my services, I concentrate on a magical question: “Who can I help today?”

    On these helping days, I put aside all thoughts of myself and my business and dedicate the day to serving others. I enroll in someone else’s course. I buy makeup from my beauty consultant. I peruse all my networking contacts to see who could benefit from each other. I call anyone I can think of who could use the services of someone else I know and tell them about each other. I invite people to come to networking meetings with me. I call people to tell them I’m thinking about them, and is there anything I can help them with today. I write testimonial letters to tell people I think they’re wonderful. I make it my business to spread happiness and good cheer.


    What happens when I do this seems almost magical. As I help others, I help myself. When I make someone else happy, I become happy. My day brightens as I brighten someone else’s day. And then the dam breaks. Whatever was holding me back, disappears. Referrals start calling me “out of the blue.” People call who I’ve never met, referred by people I’ve never met! Money and good start flowing to me again.

    Whenever you’re not getting, give. Then watch the dam break, and the flood of good flow over you.

    Today’s Affirmation: “I give my abundance to others, and it flows back to me multiplied!”

    Katherine, a dear friend and client of mine, recently told me that she has signs posted around her office of things I’ve said. She printed them up to keep herself on track, reminding her of her purpose and helping to motivate her to do the things she knows are important.

    One sign says, “Sales calls are the sacrifices we make on behalf of our clients so the people who need what we have can get it. Otherwise they might live their entire lives without these benefits that could make them richer and happier.”

    The short version of that is a sign that I posted by my phone: “Somebody needs your help!”

    This is setting my intention and reason for the call. I think it’s a lot easier to make a telephone call to someone to help them than it is to make a sale. It’s easier to call to make a friend than to call to ask for money. Yes, I need to make sales, too. I have to earn a living after all. But when it happens as a result of my outreach to help, the clients that result from that interaction are better clients – more fun and more profitable – because we started from friendship.

    If you want clients who praise you and pay you, this is where it starts. Reach out and touch someone today!

    Believe in Magic

    Posted on October 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”

    304-October 31

    “I can live for two months on a good compliment.”—Mark Twain


    Dwayne Garman is an upbeat, enthusiastic young magician. Everyone in class cheered the day he shared with us that he had accomplished a major lifetime goal: He auditioned for and was accepted as a member of Los Angeles’ famed magician’s club, the Magic Castle.

    After accepting his accolades from the group, he shared with us how testimonials had helped him keep working when many other magicians were struggling. Several years before, he was working under contract with a local restaurant to provide close-up magic for their diners. He would move from table to table, performing various sleight-of-hand and card tricks to the amusement and delight of the restaurant’s patrons.

    The engagement was going well, but it was difficult for the restaurant owner to track the effectiveness of the entertainment on the bottom line. Was it really a draw to keep customers coming back? Did the act have a measurable impact on the dining experience? Dwayne could see that the restaurant managers were unsure.

    So Dwayne created some “Feedback” cards to leave with the diners after he finished each performance, and asked them to fill them out. He would collect the cards from the tables later.

    That’s not what was so original about his idea—many people ask for feedback input on cards or forms. It’s what he did next that made all the difference.

    Dwayne made photocopies of the quotes from all the testimonial cards, by lining them up on the copier so that just quote after quote showed through. He then presented this list to restaurant management along with his bill at the end of each week.

    Not only did he get paid promptly and happily, he worked for this restaurant chain until the parent company canceled the national program.

    Send your testimonials along with your invoices—great idea! If you’re on salary, you can still send updates on accomplishments and testimonials to your managers, along with “thank you” for your paychecks. Where else can testimonials work in your life?

    Today’s Affirmation: “I am wonderful—and I have proof!”

    I believe in magic! As Glinda the Good Witch said, “You had the power all along, my dear.”

    That reminds me of one of my favorite birthday cards:

    On the front, it had a picture of the ruby slippers, and said, “There’s no place like Paris!” There’s no place like Paris!”

    On the inside it said, “Yeah, like if you had magic shoes you’d go to Kansas.”