The Wealthy Spirit Insider

    Ten Stupid Things People Do to Mess up Their Money

    Posted on September 20th, 2012 in Uncategorized by chellie

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

    263-September 20

    “Money in the bank is like toothpaste in the tube. Easy to take out, hard to put back.”—Earl Wilson

    “Chellie, call this producer right now!” Felicia said. A producer named Lori was looking for a “money expert” for the Dr. Laura Show, and Felicia had told them about me.

    I thanked her profusely, called Lori, and faxed her my information. An hour later, Lori called me back and said yes, they wanted to have me on the show. Great! Then she said, “Think up something fun to do with Dr. Laura for six minutes. Call me back at six o’clock tonight.”

    It was noon, and I was leaving for Las Vegas at two o’clock with four friends for our annual Super Bowl weekend trip. This was a short-notice request, but at least I had more than the thirty-second elevator opportunity! I did some quick research on Dr. Laura Schlessinger on the Internet, and discovered she had written two best-selling books, Ten Stupid Things Women Do To Mess Up Their Lives, followed by Ten Stupid Things Men Do To Mess Up Their Lives. So I thought I could do a take-off on that: “Ten Stupid Things People Do To Mess Up Their Money.” I started writing on the plane. After I checked into the Mirage Hotel and joined a game in the poker room, I asked for contributions from my friends and the other players. Here’s what we came up with:

    1. Buy clothes that are too small because their diet is really going to work this time.
    2. Spend two hours driving forty miles to use a ten-cent coupon.
    3. Spend $100 to get a $30 tax deduction.
    4. Forget to notice when the 3.9 percent credit card goes up to 23.9 percent.
    5. Get a second mortgage to pay off the credit cards—then charge the credit cards up again, too.
    6. Believe they can make millions just working a few hours a week in their spare time.
    7. Spend $200 on something they don’t need but think they saved $30 because it was on sale.
    8. Marry someone without asking the amount of their credit card debt, school loans, alimony, or child support.
    9. Work twenty years at a job they hate just to get the retirement benefits.
    10. Buy the two-gallon drink at the movies so they can get the free refill—then spend the whole movie in the rest room.

    I called Lori on time, told her my idea and read her the list. She laughed, Dr. Laura approved it, and I was scheduled to make my national television talk show debut.

    I reached several conclusions from this adventure: first, you never know when your ship is going to come in, so it pays to stay flexible; second, it’s not who you know, it’s who knows you, so be sure you’re networking; and finally, help is available all around you, wherever you happen to be. All you have to do is ask.

    Today’s Affirmation: “I have control and power over my life and my money!”

    Free teleclass today at 10:00 am PT!

    Join me for a Free teleclass! “Women Don’t Ask – Why Women Still Earn Less Than Men and How to Break Through to Big Money Now!” Did you know that employers make lower first offers to women and take it for granted that women will work for less? That salespeople often quote higher prices to women? It’s because men are 8 times more likely to negotiate money than women. What can we do to change our cultural conditioning and speak up for the money we desire and deserve? I’m going to share with you the Top Three Secrets I’ve learned so you can be of SERVICE, operate with HEART, and get the MONEY to be happy, joyful, and rich! Join us on September 20th at 10 am PT/ 1 pm ET.  Join us today September 20th at 10 am PT/ 1 pm ET.


    I have to sheepishly admit that whenFelicia first suggested I call the Dr. Laura producer, I “yeah, butted” her. “Oh, I’m not ready for that yet,” I said. “My book isn’t going to come out until next year.” Felicia was a little impatient with me and bottom-lined me with, “And being on television would be bad for you because…?”

    Well, I had no answer for that, so I made the call, even though it felt outside my comfort zone. Don’t we all do that? Drag our feet and “yeah, but” and find reasons NOT to act? I guess it’s just that hard for human beings to break from their routine…

    Not only did I have fun doing the show, got great experience, a good credit for my resume, and a wonderful clip for my video reel, but I got to write this page for inclusion in the book. And that paid off down the line when my book did come out, and the producer of the Dr. Laura radio show contacted me about having my book selected as one of Dr. Laura’s Book-of-the-Week selections.

    Dr. Laura had been bemoaning the fact that several of the books she selected as her choices hadn’t quoted her, and that gave Michelle the ability to open the door for my book, “Here’s a fabulous book that devotes two pages to you.”

    Dr. Laura enjoyed these pages and the book, and “The Wealthy Spirit” was chosen as a Book-of-the-Week and gave me a 2-minute testimonial on her show that has 10 million listeners!

    *Note to our subscribers: If you have missed your subscription to this blog in the last few weeks, our apologies. We had a broken gizmo in the system and it took awhile to figure out the fix. But we’re back in business again, Hallelujah! We thank you for your patience and for choosing to receive The Wealthy Spirit Insider blog. Your comments are most welcome!


    Credit Card Management

    Posted on September 19th, 2012 in Uncategorized by chellie

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

    262-September 19

    “I’m living so far beyond my income that we may almost be said to be living apart.”—H.H. Munro

    Credit cards can be wonderful, useful tools of convenience when used correctly. Toni Morton, an office manager at my bookkeeping service, shared a great way to manage credit card expenditures and stay debt-free. Every time she used her credit card, she deducted the amount of the charge from her check register, just as if she had written a check. She never used the card unless she had the money in her checking account. By deducting the amount when she made her purchase, she always had the money to pay the card off in full each month when the bill arrived.

    For example:

    Date                For                         Amount        Bank Balance


    4-1                   Rent                          $700             $1,300

    4-2                   Groceries               $100             $1,200

    4-3                   Credit card            $100*           $1,100

    4-6                   Credit card            $50*             $1,050

    4-10                 Car payment        $250             $800

    4-15                 Insurance              $100             $700

    4-20                 Personal care      $100             $600

    4-20                 Groceries               $150             $450

    4-21                 Credit card            $100*          $350

    4-25                 Utilities                  $150             $200

    4-27                 VISA bill               $250*           $200

    * $250 already deducted

    But credit cards are doom to your budget, your bank account, and your financial future if you go “shopping for love” without the money to pay your credit cards off in full each month. Grocery stores take credit cards because it has been proven that consumers spend 20-30 percent more if they use a credit card rather than cash. You need to think of credit cards as debit cards, with the money coming right out of your bank account.

    If you don’t have the cash, don’t use the card!

    Today’s Affirmation: “I have fun with my funds because I manage them well!”

    I got the idea to do this book as a page-a-day book while I was driving in the car, thinking about all I knew and taught in my Financial Stress Reduction® Workshops and how best to communicate that in a book. There are many financial books in the financial section of the bookstores – but most people avoid them in droves. They look too hard, are too condensed, too focused on facts and figures and hard work. I knew that entertaining stories with a money twist to them were the best way of teaching this material.

    Like a bolt of lightning, suddenly I made the connection between the little booklet “The Daily Word” published by Unity Church and the book I wanted to create. “The Daily Word” is just a small page for each day with an encouraging message and a quote, and I have been reading it since the 70s. And so “The Wealthy Spirit” was born…

    Here is a recent passage from “The Daily Word” that I found very helpful. It’s referring to your spiritual practice, but it applies to your financial practice, too:

    “My spiritual practice is a journey, not a destination. Sometimes I put pressure on myself to be the perfect expression of God. I imagine I must meditate in a specific manner, pray in a certain way, or connect with Spirit using one technique or another. I tell myself I must be a perfect spiritual student and role model at all times.

    No wonder I feel like the weight of the world is on my shoulders! When I pause in the silence, I realize this is a spiritual practice and I am a work in progress. Each day I set the intention to be my personal best and then I take authentic action. If I misstep, I simply forgive myself and begin again. I practice being an expression of God in my own, unique, perfectly imperfect way.”

    For more information about Unity and to subscribe to “The Daily Word”, go to For prayer, call: 1-800-669-7729

    Major Money Malady—Buying on Time

    Posted on September 18th, 2012 in Uncategorized by chellie

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

    261-September 18

    “The quickest way to double your money is to fold it in half and put it back in your pocket.”—Unknown

    We don’t pay for anything up front any more. When we want something, we get it. If we don’t have the money, we charge it. We buy everything on time. The longer the time, the more money we pay for the item. But the payments are so small, we forget.

    Rennie Gabriel, in his book Wealth on Any Income, gives an illuminating example of the total amount we end up paying for products purchased on credit. He states that a dining set on sale at a department store for $648 (including tax) costs the store approximately $300. So if you pay in full up front, the store makes a profit of $300 (excluding tax).

    But this dining set can be purchased on credit with payments as low as $12 per month. The interest rate charged to customers at most department stores is currently over 20 percent and in his example, the actual interest rate was 21.6 percent. At $12 per month, a person would be making that payment for over 17 years before the dining set would be paid for in full. And instead of paying $648 for your dining set, it would cost you at staggering $2,460! That’s a profit to the store of $2,160.

    Of course stores want to extend you credit—they would much rather be paid $2,460 than $648. And you thought it was a good bargain because it was on sale…

    This is a money malady that keeps us cash-poor, debt-ridden, and financially stressed. We feel the pain every month when the bills come in, but we pay our minimums and hope it’ll be better next month. But unless positive action is taken to control our spending and live within our means, next month won’t be any better. Most of the time, next month is worse because we have once again used those charge cards in a flurry of impulse buying. We live in denial of the fact we have a problem until we can’t meet our monthly minimum payments.

    This month, why not start a savings account for the major purchases you want? Then you’ll pay only for the item itself and no interest. You’ll even make some additional money from the interest on the savings account.

    If you can’t do the time, don’t borrow a dime.

    Today’s Affirmation: “I am rich and pay cash for all the material goods I desire.”

    If you can do the time, and have a reasonable plan and budget for paying off your loan, and it’s a sensible purchase, then it is great idea to take a loan!

    No, I’m not negating anything I said on this page of The Wealthy Spirit. But you can go too far to avoid borrowing money, too.

    You need to have a credit card in our modern society: to make an on-line purchase, to establish credit, to book a hotel room, or rent a car; to spread out payments over time for something that is a smart or needed purchase today.

    Some people get so anxious about borrowing money that they cut up all their credit cards and only use a debit card. Oy! I think that’s a really bad idea. Look, if someone steals your credit card and uses it, you get a bill for the unauthorized purchase, you object to it, and it’s taken off your bill. But if someone steals your debit card, they can take all the money out of your bank account and leave you with nothing. Yes, the bank will give it back to you after the matter is resolved, but it can take 4-6 weeks for that to happen. What are you going to do in the meantime with no money?

    Use credit wisely. Don’t have too much or too little.

    The middle path is usually the right path, isn’t it?

    Hey, You! Pay You!

    Posted on September 17th, 2012 in Uncategorized by chellie

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

    260-September 17

    “When a man begins to think seriously of saving for a rainy day, it’s probably a rainy day.”—Anonymous

    The savings rate in the United States has been on a downward trend for many years, even during times of a robust economy. U.S. households save far less than those in most other industrialized countries. Here are the savings rates from recent years:

    South Korea 18.0%
    France 13.6
    Italy 11.7
    Japan 11.2
    Germany 11.0
    Britain 10.8
    United States 3.8

    People neglect to save because we wait until the end of the month when we’ve spent all the money to try to save. Then we vow we’ll save next month. And then next month. And so it goes. The habit of spending is entrenched and the habit of saving never gets a chance.

    Save money. SAVE MONEY. S-a-v-e M-o-n-e-y. Hold on to a portion of all the money that comes to you. Save and invest a measly 10 percent and spend all the rest. Live on 90 percent of your income. Follow this simple plan every day, every week, every year. Teach your children to do it, too, by the example you set. Do it now.

    I know, it doesn’t look like there will be enough money to do everything else you have to do. But magic happens when you make a commitment to your financial fitness. Take the right action, even when you don’t know how it will all work out, and, as they kept repeating in the movie Shakespeare in Love: “Somehow it will all work out. I don’t know how. It’s a mystery.”

    Start with a baby step, but take a step today. Whatever money you get today, save 10 percent of it. If you can’t do 10 percent right now, start with 5 percent. Or twenty bucks. But start. It’s a habit waiting to happen. One day at a time.

    Today’s Affirmation: “I pay myself promptly and profitably, and therefore I prosper!”

    I have been so grateful that this book “The Wealthy Spirit” has helped people. I spoke with a woman who said she bought it in 2006, when she heard me speak at a group in Orange County called the Inside Edge. When she finished the book after the year of daily pages, she put it away for awhile, but found she missed the messages. So she pulled it out again and has been reading it every day since.

    A  while ago, I was at a networking meeting here in Los Angeles. Each of us got to stand an introduce ourselves to the group, and then give a testimonial to someone in the room whose services you had used. A young woman stood in the front of the room and cried as she spoke about how my book “Zero to Zillionaire” had given her faith, purpose, and direction when she was at a really low point in her liife.

    I never imagined that people would respond to my writings in this way. It is very humbling, and I feel so blessed to have been able to help people I have never met weather the storms of their lives and move forward towards happiness and prospertity. I can only thank God for letting me be of service.

    Join me for a Free teleclass! “Women Don’t Ask – Why Women Still Earn Less Than Men and How to Break Through to Big
    Money Now!”

    Did you know that employers make lower first offers to women and take it for granted that women will work for less? That salespeople often quote higher prices to women?

    It’s because men are 8 times more likely to negotiate money than women. What can we do to change our cultural conditioning and speak up for the money we desire and deserve? I’m going to share with you the Top Three Secrets I’ve learned so you can be of SERVICE, operate with HEART, and get the MONEY to be happy, joyful, and rich! Join us on September 20th at 10 am PT/ 1 pm ET.


    Appreciating vs. Depreciating Assets

    Posted on September 16th, 2012 in Uncategorized by chellie

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

    259-September 16

    “Debt is a trap which a man sets and baits himself, and then deliberately gets into.”—Josh Billings

    This is the story of the new car I didn’t buy. At least, not right away….

    I had weathered many financial storms, but the sun was shining now. My new business was booming. I was earning good money, saving regularly, and was on the road to becoming debt-free for the first time in my life. I did my positive affirmations daily and my “High Budget” was becoming a reality. Then I happened across a brand-new Lexus GS 300.

    A brilliant, sparkling, gold, sporty model, I could picture my cute little red head breezing down the highway, arriving at business meetings looking and feeling rich and prosperous. I could afford it and it seemed like an appropriate reward for myself for all of my hard work. I started investigating, getting brochures and costs, and posted a picture of the car on the wall in front of my desk as part of my “Treasure Map.”

    Then I read The Millionaire Next Door, by Thomas J. Stanley and William D. Danko. It was like someone threw a bucket of cold water on me. The authors show how the wealthy become “Over Accumulators of Wealth” (OAWs) by behaving differently than “Under Accumulators of Wealth” (UAWs). OAWs buy appreciating assets: they invest in things that will produce more income. UAWs spend too much of their income on depreciating assets: things that lose value over time.

    I thought about what I was doing. I was about to follow the UAW pattern of spending money on something that was going to decrease in value rather than increase. Not only was I going to take on more debt in the form of an auto loan, but I was going to add a lot of attendant expenses such as increased auto registration fees, higher maintenance, and service charges. This is the UAW spending habit: to spend every increase in income on lifestyle.

    Remembering the saying: “The definition of insanity is doing the same thing over and over, expecting different results,” I knew I needed to take new actions if I wanted to become an OAW. I wasn’t on “High Budget” yet. The Lexus could wait until the total expenses connected with its purchase was a smaller percentage of my disposable income. So instead of buying a new car, I bought shares of stock in a mutual fund, added cash to my money market account, and invested in an expansion of my business.

    I kept the picture of that car on my wall for the next two years as a goal and as a reminder that I had the ability to change my behavior, plan my expenses wisely, and accumulate wealth instead of just appearing wealthy. I drive that car now with pride in my accomplishments instead of nervousness about the expense.

    What picture do you have on your wall? What do you have to accomplish before you get it?

    Today’s Affirmation: “I deserve rich rewards because I do what it takes to earn them.”

    Last year, I got a call from a phishing scam.

    The man on the phone called, sounding like many other telephone solicitors. He said he was from my bank, and I was on a list of special accounts that they were making a special offer to (and don’t we all like to feel our bank thinks we’re special?)

    It was for a new credit card with lots of rewards attached and a zero interest rate for the first year, and 1.99% after that.

    Well, that was quite a deal, and although my credit cards are good, they weren’t that good, so I said, “Okay, I’ll take it.”

    The man went through all the pro forma features, confirming my name, address, etc.

    And then he asked the question that sent the red flag up and the horn blowing in my mind. He said, “And what’s your social security number?”

    Urrrrrr…skreech to a halt!

    “Wait a minute,” I said, “if you’re my bank, you already have my social security number.”

    “Well, we’re a different department and we don’t share information between departments,” he explained.

    No, no, no. I knew that this was a bogus call and a scam. I remember getting an email warning about this very thing. The emails said the scammers would sound so good and professional and they seemed to already have your pertinent info. But they needed one thing to put it all together and steal your identity: your social security number.

    I said, “No. We’re done here.” And hung up.

    I called my bank’s fraud department to tell them what happened, and they said, yes, it was a phishing scheme and those guys are out there all the time trying to get people to fall for it.

    So don’t fall for it! Good luck out there, dolphins!

    There’s Always Hope on the Seventh Green

    Posted on September 15th, 2012 in Uncategorized by chellie

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

    258-September 15

    “Things don’t go wrong and break your heart so you can become bitter and give up. They happen to break you down and build you up so you can be all that you were intended to be.”—Charlie “Tremendous” Jones

    Tim Collins was studying hard for his Series Six license. To become a financial planner, he needed to pass a complicated test in order to receive his license to buy and sell securities. He had tried six times already, but had not passed. He knew the material perfectly, but a deep-seated fear of tests prevented him from achieving his goal. With each defeat, his determination to succeed grew stronger—but so did his fear of another disappointment.

    He began each test with high expectations that yes, this time he would pass! But somewhere about three-quarters of the way through, the knotting fear would grip his throat like a noose, and the internal demon voices would scream, “You can’t do it! You’re not good enough!”

    One evening, he was pouring over his books and his notes, when his teenage son Robert pulled up a chair and sat down beside him. “Dad,” he said, “I know you’re going to pass the test this time. Seven is a lucky number and this is your seventh try. I want you to remember, when you’re half way through the test, and the going gets rough, it doesn’t matter—because this time you are going to pass. Visualize yourself on the seventh green at the Pebble Beach golf course and putt the ball in the hole.”

    Tim had tears in his eyes as he told me this story. His dear son had, in one of Tim’s darkest moments, held out to him love and hope and faith. Robert had created a vision for Tim to hold on to, so that he would be able to create sunshine and a green fairway in the midst of anxiety.

    On the day of the test, Tim sat in front of the computer with some trepidation, but determination as well. the first part of the examination went well, and his spirits soared. Then, as before, after passing the half-way mark, the test got tougher, and Tim sagged in his chair. The negative voices started ringing in his ear, “See? It’s too tough for you. You’ll never make it.” But Tim remembered his son’s words, closed his eyes and turned his inner vision to the seventh green at Pebble Beach. He saw the bright sun, the green grass and the sparkling ocean. His golf ball lay on the green in perfect position. With a deep breath, he reached back, swung, and perfectly putted the ball into the hole. “Yes,” he whispered to himself, “I can do it!” With renewed energy and optimism, he opened his eyes and finished the test.

    Of course, he passed.

    “I can” will triumph over “I can’t” every time. You just have to focus on the outcome you want instead of the outcome you don’t want. Like phantom monsters under the bed, our fear demons lie in wait, ready to terrorize us with horrible “what if” pictures of disaster. But they are always banished to the shadows when we shine the light on our goals. When we choose to see the battle won, the goal achieved, and the ball sunk perfectly in the hole, our reality starts taking shape in that direction.

    And we don’t have to do it alone. There are life support teams of dolphins swimming by you every moment. They could even be your children. Park their words of wisdom in your mind and let them cheer you on.

    The seventh green is waiting for you.

    Today’s Affirmation: “I am safe and successful on the seventh green!”

    My friend, Harriet Cohen, sent me and article from one of her newsletters. It’s a good reminder that we all have a hopeful future if we rise up to meet it!

    I recently read Seth Godin’s blog, and Chellie Campbell’s quotes for day 362 and 3 from the “Wealthy Spirit” speak about purpose and that on our journey there will be rough patches that are important to recognize and move on.

    Then I see the Judy Garland quote posted by Jodi Michele Cooley, “Always be a first-rate version of you, instead of a second-rate version of somebody else.”

    So now the question that keeps popping up is are you being the best for you or are you grumbling about why others seem to have it better, easier, or nicer?

    What are you doing to recharge you to see your purpose and your strengths to be who you were meant to be and the best you deserve?

    All of our roads have bumps and pot holes, and even garbage. We can get stuck there and complain or we can, and this is the hard part, regain our value, be a better boss for ourselves and realize the road to success is wide open. We just have to be willing to do our best work.

    This time of year often causes more angst and stress and we lose sight of all we are, have done, and can be. Joan Rivers once told an audience to have their pity party, with or without the ice cream but after 2 days get out of bed face the world and get back on track. I encourage you to write a list of all you accomplished in 2011 and recognize your strengths as you begin to plan your goals for 2012. Add one goal about being a better guide for yourself and know that the opportunities are waiting for you and your success.

    Harriet Cohen is a terrific coach and business consultant. Her company Training Solutions provides clients expert assistance in the various disciplines of business development, strategic planning, human resources, training and development. You can find out more about her and her services at

    Things Are Getting Worse—Eat Chocolate!

    Posted on September 14th, 2012 in Uncategorized by chellie

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

    257-September 14

    “Consider a duck. It encounters the air, water and soil. It benefits from each, is hindered by none, harms nothing. They are cute, too. Be a duck!”—Old Slovakian Saying

    My priorities in life were pretty well established by the time I was two. My parents told me that, at that age, I had taken a terrible fall down the stairs. They stared at me, frozen in fear that I had hurt myself horribly. But I stood right up, looked around and said, “Where’s my cookie?” It wasn’t until I found out the cookie was smashed and broken that I started crying.

    A popular card from years ago had an elephant on it and read, “Things are getting worse—please send chocolate!” I can relate. Most of the time, I am a happy, energetic, positive person. People have even asked me, “You always seem so cheerful—do you ever get depressed?” Of course, I do. (I don’t cry over broken cookies anymore, though. That’s when the calories fall out.) I have my down moments, like anyone else. It’s normal. So then they want to know what I do to get over it.

    I eat chocolate.

    Chocolate is my anti-depressant drug of choice. Chocolate candy, chocolate cake, chocolate pie, chocolate ice cream, chocolate cookies, chocolate krispy kremes, chocolate chocolate. Ummmm. When “Once more, dear friends, into the breach,” doesn’t cut it, I forget Shakespeare and Prince Hal and say, “No more breaches today. I need a treat!” I give myself some time off, I cuddle up in my bed, turn off the phone and zone out with books, videos, and naps. And chocolate.

    I am really perky after that. Giving myself permission to take a break and pamper myself makes me feel like I own my life. I fight the good fight every day. I get more “Nos” than “Yeses” every day. And sometimes I just need more “Yeses!” So I say yes to myself, yes I want chocolate, yes I can have chocolate, and yes, I say yes I will yes (with apologies to James Joyce).

    No, I can’t do this too often or yes, I will be fat and broke, but some days, sometimes, I play hooky from my work and sensible eating and take a break with chocolate.

    Where’s your cookie?

    Today’s Affirmation: “I enjoy all of the wonderful abundance of life!”

    In Thursday morning’s LA Times, Meghan Daum reported that Wisconsin Gov. Scott Walker repealed his state’s equal pay law, and Wisconsin state Sen. Glenn Grothman conjectured that “money is more important for men.”

    Do you think women – maybe subconsciously – think that, too?

    In my many years of teaching Financial Stress Reduction®, I’ve seen evidence that they do.

    Many women I’ve spoken with over the years say, “Oh, I don’t care about the money” and then they get paid everything else as Stuart Wild says:

    “If you don’t concentrate on counting the money, people soon realize that money is not the focus of your consciousness, so they give you everything other than money: kudos, acclaim, praise, etc., etc. And sooner or later you’ll be in trouble.”—Stuart Wilde

    Women have been culturally trained to believe that focusing on the money is materialistic, unspiritual, and not feminine. So they don’t ask for the money, they don’t make sales calls, they give away too much of their products and services for free.

    Does this story sound familiar?

    “Oh, I need your products!” said my friend, Sarah, to the woman at the networking meeting who was a skin-care representative. “Please call me tomorrow morning so I can talk with you about what I need to buy.”

    Then she saw a woman who did graphic design. “Oh, I need graphic design for my new flyers and my web site, too!” she exclaimed. “Please call me tomorrow morning so you can help me decide what I need to buy.”

    Neither woman called the next morning. In fact, they never called!

    What’s up with that?? Aren’t they networking to get more clients for their business? And here was a client with money who wanted to buy – why wouldn’t they call her?

    Sarah’s experience wasn’t the only one. Throughout my networking career since 1986, I heard stories like these over and over again. Most small business owners continue to network and not get the results they want, and make a lot less money than they deserve.

    Especially women.

    Women still only make 77 cents to a man’s dollar, largely because women still feel badly about “asking for money”. We’re culturally indoctrinated to wait for others to ask us or call us – you know, for a date, for a dance, to get married. But in the marketplace, we must ask to be paid for our services!

    How can we re-train ourselves to ask for what we deserve in a cheerful, feminine, yet strong manner? How can we avoid being seen as “grasping” or “demanding” or “salesy” or “bitchy”—not just by others, but by ourselves?

    I’ve done a lot of research on this question, and I’ve got answers. Join me for this complimentary teleclass:

    Women Don’t Ask!

    *Why Women Earn Less Than Men and How to Break Through to Big Money Now!

    Complimentary Teleclass with Chellie Campbell, author of bestselling “The Wealthy Spirit” and “Zero to Zillionaire”

    Thursday, September 20, 2012

    10:00 AM PDT / 12:00 PM CDT / 1:00 PM EDT – 1 hour teleclass

    Sign up for this FREE call by registering now!

    I’m going to share with you the Top Three Secrets you need to know so you can be of SERVICE, operate with HEART, and get the MONEY to be happy, joyful, and rich.

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    Did you know that men are 8 times more likely to negotiate their starting salary than women? And that salespeople often quote higher prices to women? What can we do to change our cultural conditioning and speak up for the money we desire and deserve? Join us for my complimentary teleclass: “Women Don’t Ask – Why Women Still Earn Less Than Men and How to Break Through to Big Money Now!” I’m going to share with you the Top Three Secrets I’ve learned so you can be of SERVICE, operate with HEART, and also get the MONEY to be happy, joyful, and rich! Join us on September 20th at 10 am PT/ 1 pm ET.


    When Women Don’t Ask they will earn less than men. Learn the secrets how to ask for big money now! Free teleclass 9/20

    I’m living proof that you can create a successful business with a six-figure income helping the world with your wonderful products and services AND enjoy a balanced life full of joy with time off to travel and be with loved ones at the same time. I’m the author of two bestselling books “The Wealthy Spirit” and “Zero to Zillionaire” and featured as one of Marci Shimoff’s “Happy 100” in “Happy for No Reason”. I am quoted or have stories in more than 50 popular books. For more than 20 years, my Financial Stress Reduction® Workshops have been helping thousands of professionals, established business owners, and beginning entrepreneurs with proven strategies that work to create a rich life and business they love.

    Here’s what some of my clients had to say after working with me:

    “Thanks to Chellie Campbell’s course, I no longer have the mindset that I am obligated to give everyone a deal! Best month EVER last month and already on track to beat that by another 50% increase in June. I’m doing the footwork and making those Gold Calls. Not so scary after all!” JuliAnn Stitick, Style Speaker and Consultant, 818-653-2101,

    “You changed me – for the better. Where my business used to be 90% insurance paid, now it’s 90% full-fee private clients. I doubled my income in 12 weeks! Ka-ching! My clients and family love your books.”—Phyllis Chase, M.A., M.F.T., Radio Host, 310-402-8888,

    “You’re one in a milliion! I have changed radically in my thinking since being in your class. The results are so evident to those who know me well, even my parsimonious husband, who has noticed my new enthusiasm for being actively financially responsible, is seeing a difference, especially in my bank account.”— Janet Cargill, 360 Image Consultant, 90-310-2148,

    “Chellie Campbell is much more than a financial coach. She is a dream whisperer. Over the years in taking her courses and participating in her mastermind groups, she has been a part of opening up my life to dreams I never even knew I had. I now have a life that is even richer and more successful than when I first met her.” — Linda Northrup-Schlueter, Northrup Schlueter, A Professional Law Corporation, 818-707-2600,


    If we can do it, you can do it, too! I’m delighted to share some of the secrets of how to do it with you.

    Register today so you can join us!







    Almost a Millionaire

    Posted on September 13th, 2012 in Uncategorized by chellie

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

    256-September 13

    Almost a Millionaire

    “No man can tell whether he is rich or poor by turning to his ledger. It is the heart that makes a man rich. He is rich or poor according to what he is, not according to what he has.”—Henry Ward Beecher

    The lottery jackpot had been thirty million dollars. I checked my numbers in the morning. Nope. I hadn’t won it.

    At lunch that afternoon, I sat next to my friend, Dori Jackson. A wonderful, creative art teacher, she always had the ability to make me laugh. She showed me the winning numbers:

    4 9 16 32 33 46

    Then she showed me her ticket with the numbers she had picked:

    4 9 16 32 33 47

    Clutching each other’s arms, we wailed together. So close!

    But Dori laughed. She was beautiful in her gratitude for the sixteen hundred dollars she did win, since she got five out of six winning numbers. She refused to participate in the “coulda-shoulda-woulda” of her near miss for the millions. She looked me in the eye and said, “Yesterday I had a dollar. Today I have sixteen hundred dollars. This is good!”

    Do you have a favorite story of a near miss? Can you tell it happily, or do you tell it with regret? If you let go of outcomes, your whole life is just one, long, interesting story. Some wins, some losses. Keep looking forward to the next win and you’ll be happy every day of your life.

    Today’s Affirmation: “I celebrate every demonstration of abundance in my life!”

    “My friend and I almost won a million dollars,” shared Steve, the poker player sitting next to me at the table.

    He shook his head with regret and told me his story.

    “We were in Las Vegas and this casino has just installed the very first million-dollar jackpot machine. My buddy and I were standing in front of it and joking and talking over what we were going to do next. We planned to sit down at the machine and play for the million dollars and were figuring out what amount we would each put in, when a young surfer-dude type sat down at the very machine we were going to play.

    “In only a few pulls of the slot machine handle, suddenly the machine went crazy – lights started flashing and music started playing,” said Rick, shaking his head. “He did it – he hit the million dollar jackpot on the very machine we were going to play!”

    “Oh, I’m so sorry,” I commiserated. “That must have hurt!”

    “Yep,” Steve sighed. “It still does.”

    And I could see it did. Every time he replays that memory of loss, he hurts himself again with it.

    Are their losses in your life that you replay over and over again? Life may have hurt you once, but you hurt yourself over and over again with your constant replays of the loss.

    Don’t replay negative experiences. Find the lesson, learn and grow from the experience if you can, but in any case, move on! Let the past remain in the past, except for glorious winning moments that you bring out frequently to revel in and enjoy again and again.

    Life has many misses and many hits. I want to play the Hit Parade, not the Sob Story, over and over. And I want to create new hits, too! That doesn’t come from the energy of mourning or feeling like a victim.

    Focus on what you want, and let go of the images of what you don’t want. You’re creating your future from what you focus on now. Today, focus on winning, treasure, glory, love, friendship, caring, happy surprises, gifts given and received, life and breath, sunshine and rainbows! Put a smile on your face and embrace the day to come, with all its treasures about to be received.

    Love and blessings to you!


    Posted on September 12th, 2012 in Uncategorized by chellie

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

    255-September 12

    “About astrology and palmistry: They are good because they make people vivid and full of possibilities. They are communism at its best. Everybody has a birthday and almost everybody has a palm.”—Kurt Vonnegut, Jr.

    Astrology has been practiced since ancient days. I believe there is something to it, and I check in with my astrologer about important things. I read the daily horoscope in the newspaper, too, although they are careful to state that it is to be read for “entertainment.” That seems fair, since it would be hard for one little three-sentence overview for the day to be spot-on for everyone in a particular sign. It’s just the sun sign; it doesn’t take into account your rising sign, moon sign, or any other sign that might mitigate the prediction for your day.

    But you can get some great affirmations for the day from the astrology section of the newspaper. Read the one for your sun sign—if you like it, you can decide that it is a true prediction for your day today. If you don’t like it, decide that there was a mistake made, or your rising sign makes a different prediction more appropriate for you that day…you get the idea. Then read all the horoscopes for each sign and choose the one you like best as your forecast for the day.

    I’ve saved a few that make me feel good when I read them. I pick one out now and again to be my positive astrology affirmation for the day. Then I rewrite them as positive affirmations to add to my list. Here are some examples of affirmations I created in the style of Sydney Omarr, whose horoscopes are published in the LA Times:

    1. “You are on the precipice of universal acclaim. Fame and fortune are coming your way today. Be yourself and you win.”

    2. “This could be your power-play day. Concentrate on putting forth your best effort. Great success is just around the corner.”

    3. “Today is your kind of day! What appeared to be out of reach will be yours. Emphasis on love, friendship and partnerships.”

    4. “Good things in store—financial picture brightens. Astrological cycle highlights production, intensity, reward.”

    5. “Time to celebrate! Hopes, wishes, desire fulfilled in fantastic manner. Many are talking positively about your talent, personality, and luck. You’ll receive rewards.”

    The guiding principle is—if it makes you feel happier, believe it. If it makes you feel worse, don’t believe it.

    Today’s Affirmation: “Today is my kind of day! Great success here to stay!”

    Today’s Affirmation: “Today is my kind of day! Great success here to stay!” Trapped by perception. Or certainly straining to drag ball and chain of self-limiting beliefs at my ankle. Bubbling irritation begins to surface like vomit, ready to erupt from my core. A dichotomy of sorts…a love/hate relationship that influences my life in every component…

    Money. There, I said it.

    The paper bills in my wallet (or lack thereof). Survival. The numbers scattered across the page on a bank statement. Education. The world of stocks and bonds that wavers just above my head where I can’t quite grasp and fully understand it. Material possessions. Quality of life. Success. The fancy Rolls Royce. Insurance. Retirement. A long-awaited all-inclusive vacation on the Cayman Islands. Freedom.
    Hidden beneath the clutter of day-to-day life lies a negative belief about money… Greed. Selfishness. Suffering. Profit over people. Starvation and poverty. Injustice. Evil motives. Sin. Destruction. And so on.
    Where does one begin to sort out this mess and come to a place of personal reconciliation with the term? The desire to make lots of money is mixed with the fear of being “greedy”. A good friend of Greed, Envy also enters the equation and threatens to paralyze me in useless self-doubt. The friend that owns a beautiful home in a desired location. The married couple whose child plays with ours at school and takes a tropical vacation each year. The colleague with retirement savings that he started at the mere age of 18. What am I doing wrong and how did we miss the boat? Or did we?

    In the struggle to overcome this love/hate relationship with money, I am forced to confront the underlying issue. Why is it not okay to make plenty of money, freely and without guilt? Is money really the enemy or is it my perception that truly sucks me back? Am I afraid of going against my core value system (love, sharing, kindness, helping the vulnerable, and giving freely to those in need)? Does money necessarily hinder these core values? Or can it potentially enhance them?

    To release myself from self-inflicted confinement, I coach myself as I would another. The question that begs to be asked is: “how can you make money a positive reality in your life rather than a negative one?” A simple question that can evoke powerful answers.

    First immediate response: my children.

    Improving the quality of life for my children so they can go on to make a difference in the world is paramount. Holding on to the unconscious beliefs that money is “bad” will only serve to cripple them in the years to come. By enriching their lives (both literally and figuratively), I can teach them the joy of doing what they love and giving back where it counts. Making more money is not a greedy prospect but in fact, an essential criteria for teaching those I love most to live their very best life.

    Second response: to give myself to the world, I must first give to myself. By this I mean establishing financial security, both short and long-term so that finances do not hinder us from living our lives to the maximum. To reach out and engage in social justice initiatives (an underlying passion of mine), I first need the money to do so. Go figure.

    Final response: money is an exchange of energy that has no immediate value in and of itself. Money is defined only by what it can achieve. Furthermore, as my father always said, money is a “renewable resource”. To treat money as oxygen means to deter it from entering our lives. To embrace money as a means of getting what we need (and yes, want) and giving to others, money is a powerful tool for living “big” and changing the world for the better. It is an intangible force that need not define us.

    And finally, the veil is lifted and I realize that money cannot corrupt those who hold on to what really matters. Money is to supplement our lives, not dictate them. Our values need not be compromised – money can uphold these values, not tear them down. A moment of enlightenment: embrace money for its enriching power and its good graces will arrive at your doorstep. Dare I say I believe it?
    I’ve taken this realization to the next level by signing up for a fabulous course with Chellie Campbell: “The Financial Stress Reduction Workshop”. Chellie is a fantastic money guru – check her out:

    Chellie Campbell is the creator of the popular Financial Stress Reduction® Workshops, and the author of The Wealthy Spirit and Zero to Zillionaire, both published by Sourcebooks, Inc. She is one of Marci Shimoff’s “Happy 100” and 1 of 18 who wrote a story for Marci’s current NYT bestseller Happy for No Reason. Chellie contributed stories to Jack Canfield’s recent books You’ve Got to Read This Book! and Life Lessons from Chicken Soup for the Soul , and is featured in How to Run Your Business Like a Girl by Elizabeth Cogswell Baskin and Money, A Memoir: Women, Emotions, and Cash by Liz Perle. She is prominently quoted as a financial expert in The Los Angeles Times, Pink, Good Housekeeping, Lifetime, Essence, Woman’s World and more than 35 popular books. For more information, visit her web site or email her at

    How do you feel about money? Maybe it’s time you take a good look at your relationship with money to make sure your beliefs aren’t holding you back from living abundantly both literally and figuratively. Wishing you financial fulfillment today and every day.

    Driven by her passion for living on purpose, Katy Suik loves helping women shift their beliefs from “I wish” to “I will”. A graduate of the International Coach Academy (2010), Katy is fully qualified as a Certified Professional Life Coach specializing in personal transformation. KMS Life Coaching Ltd. is the full embodiment of Katy’s deep-rooted wish to help others live with joy and fulfillment. Numerous programs and services are provided to offer clients the chance to experience the personal satisfaction that Katy feels fortunate to have in her own life. Aside from running a business, Katy is a very lucky mom to three beautiful children (5,4 and 1) and married to her best friend and husband of 7 years. She currently resides in Prince George, British Columbia, Canada where she’s surrounded by great friends, friendly people and beautiful country. Contact her at

    Feng Shui and Fountains

    Posted on September 11th, 2012 in Uncategorized by chellie

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

    254-September 11

    “The most powerful emotion we can experience is the mystical. It is the power of all true art and science. He to whom this emotion is a stranger, who can no longer wonder and stand rapt in awe, is as good as dead.”—Albert Einstein

    Pat McKee is a rock hound. She loves her rocks. She knows the mystical properties in every stone, every crystal, and generously shares her information. Under a tree-shaded patio in San Dimas, California, Pat teaches people to build feng shui fountains to put in their homes. Feng shui is the ancient Chinese art of object placement, which can affect the harmony of your life positively or negatively. Pat helps each workshop participant to create a fountain with rocks that promote health, wealth, loving relationships or any other particular quality they desire.

    Some people swear feng shui works, and that rocks and crystals can promote certain energies. Other people think it’s New Age hogwash. I’m for anything that works, so I took Pat’s class and built a fountain. I decided to believe that this would work for me, and I would be richer from doing it. I rearranged things in my house to be better aligned in the feng shui mode, and put wonderful wealth-enhancing stones in my fountain. Here’s what I used:

    1. Citrine: Called “The Merchant’s Stone,” it attracts abundance

    2. Variscite: Encourages the flow of energy fulfilling the need

    3. Tiger Eye: Stimulates wealth and enhances the stability required to maintain wealth

    4. Vanadinite: Thrift in spending

    5. Diamond: Good amplifier; inspires forces of accumulation. Helps manifest abundance in all areas of life. (I put an old gold ring with diamond chips in the fountain for this one.)

    6. Gold: It’s gold!

    (Continued on page 254 of The Wealthy Spirit)

    Today’s Affirmation: “I use all the knowledge and power available to me to create the life I desire!”

    Today’s is the 11th anniversary of the destruction of the World Trade Center in New York.

    I remember that day vividly. My phone rang about 6:00 am and I groggily woke and said, “Hello?”

    My friend Lesleigh said, “Oh my God, Chellie, turn on the television.”

    “What’s happening?” I asked. “What channel?”

    “It doesn’t matter what channel,” she replied. “I’ll talk to you later.”

    Anxiously, I turned on the TV and my breath caught as I saw the smoke pouring from the first tower and heard the newscaster saying a plane had flown into it. It was being treated as some terrible accident…that is, until another plane flew into the other tower. And all the world realized together that this wasn’t an accident, it was a planned attack by crazed terrorists…

    Such shared experiences forever changes us, bonds us together in new ways. I remembered back to a similar shocking experience the day John F. Kennedy was assassinated when I was a sophomore in high school. His brother, Robert Kennedy, was shot to death at the Ambassador hotel just hours after I had seen him speak in Santa Barbara when I was attending UCSB. Not long after, another dark day came when Martin Luther King, Jr. was shot and killed; and then John Lennon, too. The list is long.

    There is a bell-curve of humanity: the saints, heroes, and geniuses are at one end of the scale, and the murderers, tyrants, and fanatics are at the other. Most of us are in that great vast middle called normal human beings. We glory in the best of us, and shudder at the worst.

    Today I remember the fallen heroes of 9/11, mourn their loss, and celebrate their lives.