The Wealthy Spirit Insider

    Ballet Lessons

    Posted on January 21st, 2011 in Uncategorized by chellie

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

    21 – January 21

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

    “I’m sorry I haven’t paid you yet,” my former student wailed, “but the job I told you about fell through. I don’t know why it’s so hard to find the right position!”

    I calmed her down and let her tell me her sad story of lost opportunities. “Just one more thing,” I said as we were about to hang up the phone, “Are you still doing your affirmations?”

    “Well, no,” she said. “I’ve just been too depressed.”

    I can’t tell you how many times I’ve had similar conversations with past participants of my workshops. Things are going along great, they’re practicing their affirmations, sending out ships and counting the money as it rolls in. Then somewhere, somehow, they get busy and skip a day’s affirmations. Then two. Then two weeks. By that time they’re out of the habit and the old negative voice pipes up once more. A ship sinks in the harbor and the bad news broadcasts loudly in their minds. Fear and anxiety gather like a boa constrictors around their throats. Everything starts going wrong. The car breaks down; the baby sitter quits; the company downsizes their paycheck or their job.

    It reminds me of the dancer’s life. No matter how famous, successful, brilliant, and accomplished, great dancers take class and practice every day. Baryshnikov, Nureyev, Fonteyn—all the great stars, stood at the barre with beginners and performed their dancer’s ritual. Their rule was that if you missed class one day, you could tell. If you missed two days, the other dancers could tell. But if you missed three days, the audience could tell.

    In the same way, daily practice of your prosperity affirmations is required for abundance maintenance. It must be developed as a habit as necessary as brushing your teeth. If you miss a day, you will be able to tell. If you miss two days, your bank account can tell. And if you miss three days, your ships can tell and they sail into someone else’s harbor. Let your affirmations shine the way home to guide your ships to your shore.

    Today’s Affirmation: “My net worth and my self worth are rising every day!”

    I was delighted when I walked into the networking meeting and saw one of my old students, Eric, an attorney, who I hadn’t seen for a couple of years.

    “Eric, darling,” I exclaimed, “It’s great to see you!”

    “Good to see you, too, Chellie,” he replied wanly. I could tell something was wrong.

    “How are you doing these days?” I asked in a low voice. We were standing apart from the crowd so I thought we might talk truthfully.

    “Honestly, I’m not doing so well,” he said. “Business is slower than usual, and my collections are down. I just don’t know what to do.”

    “Are you still doing your affirmations? I asked. That’s always my first question.

    He hesitated, then admitted, “Well, no, I’m not.”

    “That would be my first suggestion, Eric,” I said gently. “You’ve got to get yourself back in a positive frame of mind. It will change your energy, your posture, your expression, and your expectation of good things happening for you. Watch and see.”

    “You’re right,” he agreed. “I guess I just got out of the habit. I will start again today.”

    He called me one week later, completely energized and happy.

    “Chellie, the affirmations are truly amazing. I received $6,000 this week and $4,000 of it was completely unexpected! You’ve got to tell everyone these affirmations really work!”

    Yes, Eric, I keep doing that everywhere I go…he who has ears let him hear.

    Shopping for Love

    Posted on January 20th, 2011 in Uncategorized by chellie

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

    20 – January 20

    “An object in possession seldom retains the same charm that it had in pursuit.”—Pliny the Younger

    “Can’t buy me love,” sang The Beatles. But we can buy its cousin: Praise, which we use as a poor substitute for love. People crave love and acknowledgment beyond all other things. In a survey conducted by Ken Blanchard, author of The One Minute Manager, employees ranked “Feeling ‘in’ on things” and “Appreciation of work” as the number one and number two benefits they wanted most from their jobs. Higher wages ranked a distant fifth. We want to feel included, we want to be special, we want compliments, we want attention.

    When we don’t get it, we go shopping. We buy things to make us noticed, to get praised. Women buy clothing, jewelry, shoes, handbags, scarves, and makeup to be beautiful, to be admired. Men buy cars, electronic equipment, tools, hardware, businesses to be powerful, to be admired. The problem is that after everyone has “oohed” and “aahed” over our fabulous purchase and we’ve had our fix of the praise drug—the rush is over. It isn’t long before we need another fix, another dress, another car. The praise is over—but the payments aren’t. We’re stuck with endless monthly bills for items that don’t get us any more praise, but still we need more praise. So we charge the next fix on our credit cards, even though we’re ashamed of ourselves for spending more than we should. It is a habit as destructive as drugs, alcohol, or cigarettes.

    Now we have a cycle of buying praise and feeling shame for doing it. The worse we feel about ourselves, the more praise we need to buy. So credit cards in hand, we shop again. “Love me!” the silent scream floats beneath the surface of our ocean of debt.

    The solution? Look for love in better places. It isn’t in the new shoes, it isn’t in the new computer whiz bang. Love is in the eyes of a friend, who’s happy to see you, regardless of what you wear. Praise comes from a customer or boss you’ve served above and beyond the call of the ordinary. Acknowledgment is what you give yourself as you master your spending and pay off your debts.

    Send out a ship into someone else’s harbor today. Reach out with love to compliment someone on their thoughtfulness, their kindness, their ability to love, or the light in their eyes instead of their new dress. Do your job better than you’ve ever done it—every menial task. Be extraordinary by putting just a little extra in the ordinary. Send out love and love will come sailing back to you. You can’t buy it. You just have to practice it.

    Today’s Affirmation: “I am peaceful and content with all the riches in my life.”

    In the last several posts, I have referred to the importance of looking good. We want to shine, to show our best selves, to get compliments. We want to look gorgeous, talented and successful.

    Make no mistake, the marketplace wants that, too. On average, good-looking people make higher salaries than normal. A study published in Annals of the New York Academy of Sciences finds that the attractiveness of interviewees can significantly bias outcome in hiring practices, showing a clear distinction between the attractive and average looking interviewees in terms of high and low status job packages offered.

    “When someone is viewed as attractive, they are often assumed to have a number of positive social traits and greater intelligence,” said Carl Senior and Michael J.R. Butler, authors of the study. “This is known as the ‘halo effect’ and it has previously been shown to affect the outcome of job interviews.”

    When you watch television shows, especially shows with a number of young twenty-somethings, how many of them are unattractive? It colors our thinking in everyday life. But look around you as you walk down the street or shop at a grocery store. Most of the people you see are just average in appearance.

    But some stand out anyway. They have an energy, a charisma beyond their looks. They smile at you and nod. They’ll ask, “How are you?” and wait for your answer. They look genuinely interested…because they are interested. They are engaged with you. It’s been said of President Bill Clinton that when he spoke with you he made you feel like you were the only person in the room. People love that. So do that, and it won’t matter what you look like.

    A smile is still the best face-lift there is.

    The Sparkly New Dress

    Posted on January 19th, 2011 in Uncategorized by chellie

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

    19 – January 19

    “All right, so I like spending money! But name one other extravagance!”—Max Kauffmann

    Elizabeth was “between jobs.” A beautiful girl with a great smile, she spoke of her dissatisfaction with her current job on the first day of the workshop. She longed for a better position with better pay. The next week, she came to class and laughingly told us how she had been fired. “I know I created that happening!” she exclaimed. “I was doing affirmations for a better job, but wasn’t sending any ships out to look for one. So I guess my higher self took charge and got me fired so I would have to get up off my duff and find what I really want.” We laughed and applauded, and helped her with suggestions about a new career.

    After class, in which we had focused on creating Low, Medium, and High Budgets, Elizabeth approached me with a question. “I’m going to a friend’s wedding on Saturday, and I went shopping for a dress. I found this beautiful sparkly lavender dress that looked wonderful on me and I really want to have it. But I’m on Low Budget now, having just lost my job. And the dress costs $143. So you don’t think it would be a good idea for me to buy it, do you?”

    I loved the way she asked me this question. Clearly, she understood that the reasonable answer was “No!” She really shouldn’t buy a dress—sparkly or otherwise—when she’s on Low Budget with no job and no income. I congratulated her on coming to me with the question, because we both knew she was looking for support to maintain her financial control. It might be fun for one day to wear a new dress and get lots of compliments, but it would all be over the next day. Then she’d be really depressed knowing that a bill for $143 would arrive any day—and she couldn’t pay it.

    I suggested she go shopping in her closet: Look in the back of the closet for something great that she hadn’t worn in a while. Perhaps she could dress it up with a scarf or different jewelry or shoes. She could create a new outfit or two from existing items combined in new ways. Or perhaps she could trade dresses with a friend who wore the same size, and they’d both feel like they got something new. Her eyes gleamed with the challenge, and a brilliant smile radiated across her face.

    “Elizabeth,” I said, “You don’t need a sparkly dress—you have sparkly eyes!” She told me she liked that compliment even better than the one she might have gotten on a new dress.

    Today’s Affirmation: “Money and love are attracted to me. They flow to me from all directions in larger and larger amounts.” (Contributed by Mark Roevekamp)

    I had my colors and styling done by Jennifer Butler, an amazing woman who has the talent to know what looks great on everyone. Yes, I already knew I was an “Autumn” with my red hair and green eyes, but did you know there are about 12 different kinds of Autumn? I happen to be a Metallic Autumn, which means I look good in shiny or sparkling golds, coppers, and bronzes. (Accounts for my love of gold tennis shoes, doesn’t it?)

    Spending money on the right professional consultation can help you not only save money, but make a lot more money afterwards. I saved money because I knew which colors and patterns to avoid and I no longer wasted money on unflattering styles. I made more money because when you look good, you feel good, and you exude more confidence and charisma. That is what brings you more clients.

    Too many times before I had been enamored of some colorful outfit that looked fabulous on the store mannequin but looked terrible on me. I remember one darling little dress in broad vertical navy and white stripes with a pleated skirt. I adored it in the store. Happily, I bought it and hung it in my closet…where it stayed hung for years. Because every time I put it on, well, I just didn’t look great in it. It looked so cute in the store – what was wrong? Jennifer pointed out the vertical stripes make one look wider, which is not good when you’re short. With small features, smaller prints work better than large bold ones. And neither navy nor white are appropriate colors for me – they make my skin look pasty instead of vibrant.

    Jennifer got me with her round robin at a networking event. She said, “When you wear the right colors and style, people are unconsciously drawn to you without knowing why.” Well, I had to have that…don’t you?

    You can find Jennifer at

    Count Your Money

    Posted on January 18th, 2011 in Uncategorized by chellie

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

    18 – January 18

    “A man who both spends and saves money is the happiest man, because he has both enjoyments.”—Samuel Johnson

    To achieve success, you must think positive and send out ships. But if you want to achieve financial success, you have to add the third step: Count your money. Keeping track of how much you’re making, how much you’re spending, and how much you’re saving will tell you how effectively you’re doing the first two steps. In other words, budget.

    I suggest that everyone should have not just one, but three budgets, all with complicated names: Low, Medium, and High. You start with Medium Budget, which is the average income and expenses that you have right now. Then you create Low Budget—this is your bare- bones plan to reduce expenses if you have an unexpected financial problem such as a bill or a reduction in income. Then create a High Budget—this is your goal budget, how you’re going to spend the money you plan to make in the future. If you don’t have a plan for how you are going to spend it and save it, you won’t have a reason to make it, or if you do, you might fritter it away on low priority items. These flex-budgets will give you a written plan to follow, no matter what happens with your money. And each budget is only for one month.

    People hate budgeting because they’re afraid of Low Budget. They think that’s the only budget there is and that they’ll be stuck with it forever. Who’d want that? No wonder people don’t do budgets. But Low Budget is never forever, it’s just for now. Anyone can go on Low Budget for a month! And when you’re on it, stay light-hearted about it and double up on your prosperity affirmations. Make it a game! See how much money you can avoid spending each day. Look for opportunities to trade or barter services. Clean out your home and have a garage sale. What work can you do part-time that would also bring in extra cash? What can you fix instead of buying new? Create new outfits to wear by mixing and matching separates in new ways. And each day you succeed in conserving your cash with creative ideas, congratulate yourself on your wisdom and money mastery.

    The real fun is creating High Budget. This is your Prosperity Plan. Spend some time each day looking at it and feeling rich. What do you want to have and do when you’re on high budget? Go shopping and price compare for the best values. (Just because you have a lot of money doesn’t mean you have to spend it foolishly.) Get pictures and brochures of the things you really want and put them on your wall. Start a special savings plan for major purchases. Be specific: if you want a new car, what make, model, and color is it? What features and options does it have? Smile and feel the pleasure now as if you already owned it. Affirm your ability to create this abundance in your life. It won’t be long before it shows up!

    Today’s Affirmation: “I spend money wisely and happily, blessing myself and others.”

    The first time I made a High Budget for myself, I was on it within four months. That’s the power that comes from giving yourself a goal and then motivating yourself to get it. High Budget is another positive affirmation of your success – it’s just one in numerical form.

    You have to master the numbers. Not only to create the money you want, but to conserve and protect the money once you get it.

    Several years ago, Oprah had a homeless man on her show along with two documentary film producers. The producers had placed a briefcase filled with $100,000 cash in a dumpster and waited for this homeless man to find it. They were doing a study to see how he would respond and if the money would change his life.

    They offered him a financial advisor to help him set up a budget and teach him how to manage it, but he didn’t take them up on it. He got an apartment, furniture, television, car, and a girlfriend. He gave a lot of the money away to friends. He blew through all the money in about 6 months.

    The money in the suitcase looked like untold riches when he had nothing. But when he upgraded his lifestyle, it ate up the money quickly. Before he knew it, the money was gone and he was back on the streets.

    This is how most governments operate: When the economy is in an upswing, they spend more money on expansion, services, salaries, pensions, and perks. But they don’t have a written plan for what to do when the economy retracts. They don’t have a “rainy day fund” because “saving” isn’t a line item on their budget. When a recession comes, they have a terrible time pulling back. They don’t want to take back anyone’s benefits (spend less money) or raise taxes (earn more income). The voters wouldn’t like that, and that might cost them the next election.

    So they borrow money. Just like the average consumer. They’ll catch up when the economy gets better…In the immortal words of Dr. Phil, “How’s that working for you?”

    Governments need to have three budgets, too. Good luck to new California Governor Jerry Brown.

    Mom’s Envelopes

    Posted on January 17th, 2011 in Uncategorized by chellie

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

    17 – January 17

    “A budget is telling your money where to go instead of wondering where it went.”—C.E. Hoover

    I grew up in the typical fifties middle class household: Dad worked at the office, brought home the paycheck, mom stayed home and raised the three kids. My childhood was mirrored on television land shows like Father Knows Best, Leave It To Beaver and The Donna Reed Show. Those were the days when, since I both lived in and watched it on TV, I thought everyone’s life was like that. All the girls in the neighborhood were Donna Reed-ettes looking for their Carl Betz.

    My mom deposited dad’s paycheck at the bank, paid the regular recurring bills by check, and got cash for the discretionary spending. She had a system of envelopes for the cash: One envelope for clothing, one for school activities, one for entertainment, etc. When we came home from school asking for money for something special like a school sweater, mom would take us to the envelopes. She kept them in her chest of drawers in her bedroom, and would put them on the bed while we sat and looked at what money remained in each one. If there was no money in the corresponding envelope, she would see what money was available in the other envelopes.

    Then she would give us choices: We could have the school sweater by taking money out of one of the other envelopes. But that meant trading one thing for another, and whatever envelope we took from would be empty. We could have the sweater, but it meant no new dress or no going out to dinner. We had to choose what we wanted most.

    I learned a lot from mom’s envelopes:

    1.     Dad worked to put the money in the envelopes.

    2.     The money in the envelopes was all the money there was.

    3.     If there was no money in the envelopes, we didn’t get to buy anything.

    4.     Having one thing meant not having another.

    5.     I got to choose what I wanted most.

    Create some envelopes for your discretionary spending and put cash in it. You will quickly learn what your spending priorities are.

    Today’s Affirmation: “I am a smart money manager and always make smart financial decisions.”

    Reviewing this page, I can see I really dated myself by talking about growing up watching 50s television. Ah, well, too late now. Mentioning Carl Betz is another example of a code – only people who are older and remember the 50s would remember the actor’s name who played Donna Reed’s husband in her TV show. There’s a camaraderie of shared experience that one extends to other members of the same tribe.

    There weren’t any credit cards in those days, and most people would get a mortgage for their house and a bank loan for their car, but that was about it. It was all cash all the time after that.

    There were limitations to that financial reality, but perhaps easy credit hasn’t been so easy on us. Endless streams of advertising on the television, newspapers, Facebook, and every web site tell us we can have our dream for only $99 down and $49 a month. We’ve got the $99 and we’ll figure out a way to get the $49 later…

    You can see the problem. It works as long as everything goes perfectly, but what’s the plan if you get sick, or lose your job, or your kid needs braces, or ? We want to be optimistic, but we also want to guard against possible losses.

    I love credit cards – they are wonderful for keeping track of monthly expenses, tax deductible receipts, and for borrowing money when it’s a judiciously deliberated decision. Many a small entrepreneur got their start through a credit card loan.

    But sometimes you can just save the money and buy the thing you want after you’ve got the money. Just don’t forget that’s an option.

    Baby-U-Deserve-Getting-Every-Thing (Budget)

    Posted on January 16th, 2011 in Uncategorized by chellie

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

    16 – January 16

    “It’s amazing how fast you can go through $7,000 with beer, pizza and The Gap.”—Ben Affleck

    What is your reaction to the word “budget”? A sinking, depressed, deprived feeling? You are not alone. Many people audibly groan at the mention of the word. For the vast majority, it connotes scarcity, lack, and limitation—none of which are very pleasurable concepts. “Budgeting” in common usage usually means cutting the fun, frivolity, entertainment, and spontaneity out of your life and creating a bare-bones, austere, nothing-but-the-basics spending plan—something you do when you’re stressed about not having enough money.

    That is not my idea of budgeting. I have reframed it above: It means designing a spending plan to achieve your number one priorities and get all those things you really want. A budget is telling your money where to go instead of wondering where it went! This can and should be a very enjoyable process and not the bitter, restrictive pill you fear.

    It is important to know that a budget is not written in stone. It is a flexible, adjustable plan that reflects how you give valuable products or services to others (income) and how you choose to support others by buying their products or services (expenses). All of these are decisions you make, therefore you have the power to change them. We often feel so trapped by our previous decisions that we think that we’re stuck, but a closer examination will reveal that we can change everything if we are willing.

    The power of budgeting is that we decide before each month how we will spend our income, then as the month goes on, we write down our actual income and expenses. When we tally up the score at the end of the month, we can see whether or not we want to change our decisions for next month. Design a plan that works for you and then work your plan!

    Today’s Affirmation: “I happily spend the money I make in all the wisest ways!”

    I hear the wall of resistance going up all over the land.

    I know how difficult it is to face the reality of your numbers. Chill out, darlings. EGBOK. Everything’s gonna be okay. Breathe. Relax.

    Here’s the truth: your numbers are your numbers. They exist and they are real. Whether you know what they are or not.

    Can you see the danger that lurks in not knowing? How are you going to make an informed decision about how much to spend on your vacation, or birthday party, or your daughter’s wedding, or Christmas presents, or a new car if you don’t know exactly how much money is coming in and going out of your bank account? Can you afford to buy that house? How would you know?

    If you’re nervous or scared about your finances and feel out of control with your money, you probably don’t have a budget. So start one now. You don’t have to buy a fancy program and learn how to install it and use it. Just use an excel spreadsheet. Put columns down the left hand side and label them income and expenses. Next, put a column on the right for your budget amounts – what you plan to spend on each line item. The third column to the right of that one will be what you actually spend.

    It may take an hour or two to set it up, but after that it only takes about 2 minutes to log your numbers in every time you pay your bills. You’ll see what you spent, what bills are still due, and how much money has come in, and what’s left. This is the greatest management tool ever.

    Because you won’t be able to lie to yourself about your spending any more.

    Consistency Is Everything

    Posted on January 15th, 2011 in Uncategorized by chellie

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

    15 – January 15

    “We are what we repeatedly do. Excellence, then, is not an act, but a habit.”—Aristotle

    Money is a metaphor in life. It allows you to test your ability to manifest reality from your thoughts. It is tangible, concrete: You can count it; you can calculate your results exactly.

    Demonstrate it for yourself. Change your thoughts about money: Practice affirmations daily. If you’re already doing them, do more of them more often. Just as importantly, stop all the negative thoughts about money—give up your victimhood, your resentfulness, your anger, your jealousy. Appreciate and love everyone’s money—not just your own.

    Then translate your new positive thoughts about money into positive actions with money—making it, saving it, spending it. Send out your ships with the fresh new air of your joyful beliefs billowing in the sails. Then watch more money flow more easily into your life, Notice how much easier your work becomes, enjoy the increasing richness of your surroundings. At the end of the month, count your money. Do you have more than you did before? If the answer is yes, then congratulate yourself on a job well done.

    Now the trick is to keep doing it. Consistency is everything. Amazingly, many people stop after having great results for two or three months and revert to their old, ingrained habits. Perhaps they keep sending out ships, but think their mind has been changed forever, so they stop doing the affirmations, and behold! Their ships sink and they don’t know what happened. Or they keep doing the affirmations (thinking they’re some sort of magic charm) and stop sending out ships. No ships, no money. Very tangible. Very concrete.

    When this process has become internalized and your new habit, you have consciously learned the art of manifesting your reality. I believe that’s one of life’s greatest lessons that we’re on this planet to learn. Money is just a concrete, easy and convenient way to learn it. It’s school.

    You are supposed to graduate, however. If you get stuck in the school of manifesting money, you can be a very unhappy person. That’s why you see many people who have achieved great wealth give away a lot of it. They’ve learned how to manifest money and now they’re on to the next lesson. Now they’re looking for the ships that arrive with intangible treasures: Love, community, integrity, honor, authenticity, peace.

    Conversely, some people are trying to avoid the money school. They want the intangibles, but want to somehow skip the grades that involve feeding and clothing the body. They often suffer from the fear of financial insecurity, resent the jobs they take that don’t pay well and have spiteful opinions of people who’ve mastered money school. Well, they don’t seem to have the intangibles down either, do they? You can’t help the poor if you are the poor.

    There is internal wealth and external wealth. They are not mutually exclusive.

    Today’s Affirmation: “My ships are piled high with treasure and I’m unloading them today!”

    Being consistent is a challenge for me. I like to have freedom. Nine-to-five jobs always made me feel boxed in and controlled – and for such a large percentage of my life! 40 hours eek.

    But even theater jobs have that rigidity – the curtain goes up at 8:00 and you’ve got to be in place in costume and makeup. When I did Hello, Dolly! with Martha Raye, Bill Mulliken who played Cornelius, had been on Broadway in that musical performing 8 shows a week for 3 years. Yikes. Professional acting lost a bit of its stardust for me when I found that out.

    However, I have to be consistent with my teleclasses, too. Every week for 8 weeks, I show up and teach class 2 hours on Monday and 2 hours on Tuesday. I can’t miss it, and I can’t be late when “the curtain goes up.” But those are small amounts of time compared to 40 hour weeks or 8 shows a week. I can handle that. And I take a 4-week break between sessions, too, so again I have plugged in some freedom into my life.

    If you are in business for yourself, you are going to have to develop a structure that works for your temperament. For me, a mixture of freedom and structure works best. I teach my classes Mondays and Tuesdays. Tuesdays, Wednesdays, and Thursdays mornings I make phone calls. Afternoons are for meditation, napping and creating. Monday and Friday I do paperwork. When I add in special projects, I look at my schedule very carefully to see if I can handle the time commitment and where it fits in to my week. Then if I feel it’s worth the commitment, I put it on the calendar.

    Adding in writing time for this daily blog was a very big commitment, and I thought hard about whether I could do it. But I saw that I could write the blogs ahead of time if I felt like writing or if I was going out of town, so it feels more free than if I had to write it every day at the same time. And I love writing! But I notice that if I don’t have a deadline, I don’t do it.

    Figuring out what schedule works for you will make your life a joy or a drudgery. If you’re too committed every hour of the day, you won’t have time for creativity. If you’re not committed enough, you won’t do enough work to make a living. What’s the right balance of structure and freedom for you?

    See It, Want It, Get It

    Posted on January 14th, 2011 in Uncategorized by chellie

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

    14 – January 14

    “You have to have a dream so you can get up in the morning.”—Billy Wilder

    My first career goal was to become a professional actress. I fantasized about the applause of adoring crowds, fame, stardom and tears of joy streaming down my face as I collected my Academy Award for Best Actress. I dreamed of moving audiences to joy and laughter, rage and sorrow, and the wonderful acclaim I would receive. Great fantasy. I saw it. I wanted it.

    The trick was to get it—to bring my fantasy into reality. Maria Nemeth, in her book The Energy of Money, describes the difficulty of crossing the border from metaphysical reality to physical reality as “trouble at the border.” I had to make some effort to put my dream into being. I had to take risks; I had to step out into the unknown. I had to put myself on the line, without knowing whether or not I would measure up. I had to send out ships.

    So these are some of the “become an actress” ships:

    I auditioned to be in a play at my high school. I asked a friend what I had to do. When she told me I had to sing, I backed off—I was much too frightened to do that. But then she said, “Well, you’ve been taking dance lessons for years, so go to the dance audition and try out for a dancing part.” That felt like something I could do, so I joined the crowd at the dance audition, did the steps they showed me and was cast in the show. Success! I loved it. I loved the rehearsals, the people, the creativity, the teamwork solving problems—it was all terrific, just like in my fantasy.

    So I went to my school counselor, told her I wanted to be an actress, and signed up for all the drama curricular and extra-curricular activities. I took dance lessons, acting and singing lessons, read and studied plays, auditioned and performed in plays. Subsequently, I got a degree in Dramatic Art from the University of California at Santa Barbara, and made the trek to Hollywood as countless thousands before me. I had my professional pictures taken, got an agent and auditioned everywhere I could. I got my Actors’ Equity card performing in Hello, Dolly! with Martha Rae, my Screen Actors Guild card in The Time of Your Life with James Whitmore, and did odds and ends of dinner theaters, commercials, and Disneyland.

    Then the dream shifted, and I followed a new path: bookkeeper(!?). It seemed strange at the time, but now I see how the two seemingly different career paths were necessary training grounds for my current profession, financial stress reducer.

    You never lose anything, no time is wasted, all experience is meaningful. But you have to put ships in the water to get anywhere or you’ll never hear the lookout shout, “Land ho!”

    Today’s Affirmation: “All paths lead to my highest good.”

    While teaching my Financial Stress Reduction® workshops, I came to the realization that really I’m still acting – I’m just now doing my own one-woman show on money. Looking back, I can see that the part about acting I really enjoyed was the rehearsal period. The cast was a small, intense, artistic mastermind group creating a project together. We discussed the play, the philosophies behind the writing, examined our characters and their motivations, tried out line readings, movements, props, costumes. It was wonderful!

    But after the show was set, and we performed what we had decided on, every performance, every day, and for me things got really boring very quickly. In school, a long run was 4-5 performances a week for about 4 weeks. And then we were on to the next show. It was like a repertory company, changing plays and parts all the time. Professional acting was an entirely different venture.

    When I did a musical show at Disneyland 5 shows a day 5 days a week for 9 months, I thought I would die of boredom. We had a great cast of crazy characters and the musicians all doubled and tripled on their instruments, and we started putting in different songs just for fun. We were always getting in trouble for that…

    Theater at Ephesus

    I remember the host of our show, Fun With Music, was dressed as Merlin, and at the beginning of the show he would introduce the musicians and have them play a bit of music on the different instruments. They invented a game where the music the musicians would play would be a bit of the theme song from a TV show. Then in his response, the actor playing Merlin had to indicate that he knew what the show was. For example, the clarinet player played something from Star Trek, and Merlin said, “I see you go boldly where clarinet players haven’t gone before” which was a take-off of the opening line of the TV show. We all got a big kick out of watching that interplay. (In any production, there are always many inside jokes going on onstage that the audience is never privy to.)

    Many years after I started teaching my workshops, I realized I had created for myself the exact thing I most enjoyed – a small, dedicated, creative mastermind group of people who wanted to grow and succeed. And now I get to be the director! Awesome how life turns out.

    What has been a recurring theme in your life that may have taken you by surprise?

    The Black Limo Fantasy

    Posted on January 13th, 2011 in Uncategorized by chellie

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

    13 – January 13

    “Things may come to those who wait, but only the things left by those who hustle.”—Abraham Lincoln

    Annie shared her dream of being an artist. Well, she was an artist of course, but she wanted to be paid to be an artist. This is a distinction I run in to with many people. They bubble with creativity, pour their souls out onto canvas and marble and paper, then sit in the middle of their wonderful work and cry. “But how do I get recognized?” “Why isn’t the world beating a path to my door? Why doesn’t this work sell?”

    They remind me of the Black Limo Fantasy: When I was eight, the nation was in love with The Mickey Mouse Club—and no one more than I. I wanted to play with them, dance with them, be one of them. I hadn’t a clue how that could happen. My fantasy was that talent scouts were driving up and down the streets in a Black Limo, looking for talented children to whisk away to stardom. I kept my eyes peeled for the Black Limo with the talent scout in it. Alas. It never came to my neighborhood.

    Grand niece & nephew Kara & Maxie

    So I look at my beautiful artist friends and don’t want them to wait one more day for the Black Limo. It’s not coming for them, and it’s not coming for you. It is parked at a corner somewhere in your future, its motor running, waiting for you to arrive. And you don’t find it in one seven-league boot stride. You find it by every day making one baby step towards your dream. The purpose of art is communication with people. You have to pick up the golden phone—the one with the money in it—and talk to people who might own a piece of your dream. Find out where the Black Limo is parked by asking everyone you know, then even calling people you don’t know. Talk to gallery owners, corporate art buyers, interior decorators, architects. Enter contests, display at the local Rotary Club art fair, form a support group of other artists, and share connections. This is called “Sales and Marketing” by business people. I call them “Sending Out Ships.” They are the delivery system for your creations, whatever they may be. You have to get them out where people can buy them, otherwise they’re just hobby-crafts that you give away at Christmas.

    Annie never thought she could make a sale. Not only was she afraid to make a phone call, she was reluctant to make a sale when someone called her and asked to buy one of her paintings. There were people in her life who wanted to invest money, time, and connections in her dream, and she wasn’t letting them help her. She was afraid. The fear stopped her cold. I told her that I wasn’t a therapist and I couldn’t find the source of her fear. I could only tell her to get over it, or on her deathbed she’d be regretting instead of reminiscing.

    The next week, she started selling paintings. She found her Black Limo. Where is yours?

    Today’s Affirmation: “I am now earning a great big income doing what makes me happy!”

    For the artists among you, I want to share about my good friend, Gayle Etcheverry, artist. She is a master at sending out virtual art ships!

    When I met Gayle at a networking group, she was working as a fitness instructor. I loved her energy – she just shone so brightly, I knew she was a dolphin. So I made it a point to talk with her, and she told me her burning desire was to be an artist. I could tell from the enthusiasm and joy with which she spoke of it, that she was ready to make the leap.

    Gayle Etcheverry

    She came to my workshop, and started her transition. She started painting every day, found a partner, and started doing murals for people’s homes and businesses, and scenic work for the motion picture industry (her photograph is in the LA Times every year at Oscar time as she paints all those big Oscar statues gold). She started selling her paintings on EBay, she got commissions, she developed her web site, and she has a weekly BlogTV show where she talks with people while she paints!

    Now her first book is about to be launched – it’s all about how to be a working artist:

    “Thinking Outside the Frame: How Artists Make Actual Money in the Virtual World”

    by Gayle Etecheverry

    In these pages Gayle Etcheverry’s intelligent inspiration reveals what no other generation of artists have had the power to attain: You literally have the world at your fingertips. The great Masters of Art have nothing on you; for you can turn the actual world into an interactive gallery of your own work.

    With a paint brush in one hand and your mouse in the other, you can accomplish ‘virtually’ anything. All you have to do is decide that “I AM an Artist”, follow the basic instructions laid out between the covers of this book, and “fake it” till it becomes Fact.

    Whether you are a full-time artist, or a part-time dreamer, nothing is impossible when you’re – ‘Thinking Outside The Frame’

    Gayle's book cover

    To see more of Gayle’s paintings and order the book, visit

    Goal Getting

    Posted on January 12th, 2011 in Uncategorized by chellie

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

    12 – January 12

    “If you look up, there are no limits.”—Japanese Proverb

    Goal setting is very important to achieving our desires. We have to know what the target is before we can hit it. But goal getting is the next step—taking action to get the goal you set.

    When I enrolled in Roger Lane’s The Finance Course, he sent me a form to fill out listing the things I wanted. Then he called me to find out what I had on the list. I told him one of the things I wanted was a brand-new Mercedes Benz. He said, “Great!” and asked me, “What model?” I said, “I don’t know.” Then he asked, “What color?” I said, “I don’t know.” “How much does it cost?” “I don’t know.” Roger got impatient with me at this point. He said, “Well, you’d better find out exactly what you want because that’s what we’re going to do in the class—get you the things you want. You can’t get anything if you don’t know what it is.” I said, “Oh! I’d better go shopping!”

    Now, you need to understand that at this particular moment in my life, my business was going very well and I was making good money, but I thought that there was no way I could really afford to buy a Mercedes Benz. My belief was that those cars were driven by rich people and movie stars. Well, I wasn’t that rich and I certainly wasn’t a movie star, so I “just knew” I couldn’t have one. I had already looked at and was ready to buy another, medium-priced car.

    As luck would have it, two days after this conversation with Roger, I went to a networking group and a woman who sold Mercedes Benz automobiles stood up and said that there was currently a special savings on car leases. I made an appointment to see her the next day. When I walked into the Mercedes showroom, there in the middle of the room, sparkling in the sunlight, was a beautiful metallic teal-green sedan with gold pin-striping. I was in love. Barbara came over to me and I told her, “I want this one.” She, good salesperson that she was, said, “You can have that one!” “Yeah, sure,” I said, disbelieving. “Show me the money.”

    We proceeded to calculate the costs of this purchase. She gave me a great deal and it turned out not to be anywhere near as expensive as I thought. In fact, the monthly payments were only thirty-two dollars per month more than the other car I was going to buy. I thought about how many times I might have stopped myself from having things I wanted merely because of a mistaken belief. Goal getting is knowing what you want, investigating what it will take to have it, and then taking the action steps to have it. What often happens is that you get it a lot sooner than you expect.

    I bought the car. I drove it home that day. And then I drove it to Roger Lane’s workshop that weekend! I told him I knew what color of car I wanted. He said, “Good. What color?”

    I said, “Green. Want to see it?” And I took him to the parking lot and showed him.

    Today’s Affirmation: “I am a money-making machine and I’m making a lot of it today!”

    Okay, full disclosure here: I leased the Mercedes instead of leasing the Acura. It’s true that the lease payment was only $32 more for the Mercedes – it was $500 a month and the Acura was going to be $468. But the Mercedes was a more expensive car, so the balance owing at the end of the lease payment was more than I would have owed on the Acura.

    But I was more concerned with the monthly payment at the time, rather than the actual cost of the car. I think it turned out for the best, regardless of the money, because driving the Mercedes was like living an affirmation that I was rich and successful! It made me feel so good, and rich, and prosperous that I exuded that feeling throughout the day in my work and in my networking. I know it showed in my happy energy everywhere I went.

    Years ago, when I was teaching my workshops in the conference room at my bookkeeping service business, a few students and I walked out to our cars together. One of them, a guy named Ron, said afterward that they watched me as I walked to my car. There were two cars parked in the direction I was walking – one was an old nondescript car and the other was my bright, shiny green Mercedes. He told me they were so glad to see me getting in the Mercedes! Since I was teaching them about making money and being successful, they wanted to see visible proof that I had the goods, see?

    I remember another prosperity speaker and author I used to see at some of my networking meetings. He drove a 15-year-old car that had dents and needed painting. It just didn’t match his talk. Oops, which reminds me I’d better get that broken tail-light fixed on my Lexus SC 430…

    Yeah, yeah, I know this is all outward appearance stuff, and so Hollywood and all that. But ya know, nice stuff is nice!