The Wealthy Spirit Insider

    Hawaiian Shirts

    Posted on April 14th, 2015 in The Wealthy Spirit by chellie

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

    104-April 14

    “A person will be called to account on Judgment Day for every permissible thing he might have enjoyed but did not.”—The Talmud

     

    Financial stress reduction is as much about being relaxed and happy as it is about making a lot of money. Ideally, you want to be making more money and having more fun on a daily basis. Lack of either one creates stress and unhappiness.

    A wealthy young stockbroker named Max, who had inherited money, took my financial workshop several years ago. Tense and unhappy when I talked with him on the phone, he seemed hesitant about attending the workshop, but agreed to come to the first class and see how he liked it. Although I instruct everyone to dress casually, he wore a suit and tie. He had a rather negative attitude, made skeptical comments, and sat in a closed position with his arms tightly crossed. It was clear to me he had an attitude and needed some help, but I wasn’t sure I could reach him. However, by the end of the first class, he said he wanted to continue with the course.

    During the second class, I ask each participant to share three opportunities and three obstacles they see facing them. Then, as a group, we offer each person creative suggestions for taking advantage of their opportunities or for solving their problems. When it came time for Max to share, a lot of anger came pouring out. Once again wearing a suit and tie, he had no opportunities on his list and about twelve obstacles. As he spoke, I saw that his need for financial stress reduction wasn’t about money. He had that. What he didn’t have was fun.

    At that point, I jumped in and asked him, “Where is the fun in your life?” Totally taken aback, he just stared at me. I said, “Max, I’m giving you a special assignment for this week. You don’t need to work on money—you have that. What I want is for you to do as many fun things as possible this week. Go to the beach for a day and just lie in the sun and swim. Go to a movie in the afternoon. Rent a hotel room for a night and take your wife out on the town. Whatever you think is fun, do it. The sky’s the limit. Bring a list next week of all the fun you had to share with us.”

    As I spoke, he changed right in front of all our eyes. He started smiling. Then he grinned and blushed. He sat back in his chair and relaxed. Everyone applauded and envied his assignment.

    He looked like a little kid at Christmas.

    The next week, when he came to class with his “fun list,” he was wearing a Hawaiian shirt and sandals! He wore a Hawaiian shirt to every class from then on—and a smile.

    Make fun your priority today. Take a day off. Get yourself a Hawaiian shirt.

    Today’s Affirmation: “The more fun I have the more money I make!”

     

    I love this story – I remember Max fondly. He was so much fun in his Hawaiian shirt!

    When I was an actor, the costume always meant a lot to me in building my character. Was she funny and flirty? Strict and up-tight? A show off or an introvert? The clothes tell a lot of the story.

    Shoes were particularly important. High heels, flats, or sneakers give you a totally different posture and attitude. In my theatre costume class in college, one day the instructor held up a pair of 1940s style high heels and said they were called “Open-toed Joan Crawford F** Me Shoes”. We all howled at that. One of those little bits of trivia that sticks in your mind forever. Hee.

    Joan Crawford shoes on bottom row

    An accomplished, professional friend of mine who had a corporate job always wore a suit to work, and was in her finest no-nonsense business mode when dressed that way. Her young daughter picked that up immediately. She didn’t like it when her mommy put her jacket on, because along with it, she put on her business manner.

    Whenever her mom came home from work, she’d say, “Mommy, jacket off!”

    So, jackets off today, everyone! Relax, change your style, and have fun.

     

     

     

     

     

     

    Clarity

    Posted on April 13th, 2015 in The Wealthy Spirit by chellie

    103 – April 13

    “I always wanted to be somebody. I can see now I should have been more specific.”–Lily Tomlin

     

    Years ago, I heard this story:

    One hot summer’s day, a man was driving a truck down the road with a load of penguins in the back. Suddenly, his truck broke down. He got out, looked under the hood, and saw that he could fix the problem but it was going to take several hours. He was very concerned about the penguins being in the sun that long.

    As he wondered what to do, he looked up and saw another truck coming down the road, and lo and behold–it was empty! Hopefully, he flagged down the other truck and explained his problem. He asked, “Could you please take these penguins to the zoo?” The other trucker agreed, loaded up the penguins in the back of his truck, and drove off.

    The man worked on the repairs to his truck for about three hours, and was just about done when he saw the other trucker coming back down the road. But the penguins were still in the back of the truck! Only now, they were wearing sunglasses.

    Very puzzled, he ran out in the road and flagged down the other trucker and said, “I thought I told you to take these penguins to the zoo!”

    The other trucker said, “I did! And we had such a good time, now we’re going to the beach!”

    Today’s Affirmation: “I see clearly what I desire and everyone I meet helps me create it.”

    Well, hallelujah and thank God for backup.

    One day a while ago, after giving my free teleclass “Women Don’t Ask”, my internet service went kaput. Sigh. I called Verizon, went through the menu (yes, I already turned the computer and the modem off and on) and got put on hold for 15 minutes, then was transferred to a person. Then somehow I got disconnected.

    I called back, another trip through the menu–BTW, I just love how the menu lady gives me instructions to go to the internet for help when my internet is broken! Ok, I held for 15 minutes, and got a person. He spoke with me for a minute, took my cell phone number in case we got disconnected, and then promptly disconnected me. He didn’t call back.

    Sigh. Okay, patience Chellie, dial again. This time, after holding for 20 minutes, my phone went dead.

    Arrrgh! @phftt!x&*#! Stomp around, gnash teeth.

    Calming down, I used cell phone to call phone repair. You know the drill by now. Once again, I got disconnected – in the middle of the menu this time.

    Now I am just determined to get help and use my roommate’s phone to try again. Success! They schedule an appointment the next day to fix the phone somewhere between 8am and 5pm. I told them to bring a new modem with them.

    Persistence pays off…finally! And thank God for roommates with computers and phones for backup, because I wrote this blog article on her computer!

    Limited Thinking

    Posted on April 11th, 2015 in The Wealthy Spirit by chellie

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

    101-April 11

    “As you go through life, brother, whatever be your goal; keep your eye upon the doughnut and not on the hole.”—Sign at Pig ’N Whistle Coffee Shop

     

    Most people never even begin to achieve their goals. They defeat themselves before they start by listening to that inner voice that tells them they can’t do it. You have to learn to turn up the volume on the small inner voice that tells you that you’re worthy, you’re talented, and you can do anything you put your mind to.

    When I was struggling to get work as an actress, the endless auditions, rejections, and the talent and sheer numbers of the competition sometimes overwhelmed me. One day when I was complaining to a friend about how hard it all was, he said, “Take out a piece of paper and write down all the reasons why you can’t succeed as an actress.” I agreed to do this and vented all my frustrations by making a very long list. Then he told me to write another list—all the reasons why I should succeed as an actress. I had a much more difficult time with this and didn’t come up with many entries. He pointed to the positive list and said, “Until this list is longer than your negative list, you aren’t going to succeed as an actress.”

    Like a sudden drenching in ice water, insulting, shocking, humiliating—it was a cold, bare statement of fact. I saw immediately that he was right, jolted into an awareness that my own negative convictions were keeping me from success. I vowed in that moment to start changing my focus and beliefs.

    What are your inner voices telling you? Make your own list of positives and negatives. Focusing on what’s wrong, what’s missing, or what’s not working will only produce more of that in your life. As I concentrated on my positive qualities instead of my limitations, I became more and more successful.

    Madonna, in her movie Truth or Dare had a scene where she was talking with two young people.  She told them that, “Sometimes I wonder who the hell do you think you are?…But I can’t let myself think like that or I’m gone.”

    You can’t either.

    Today’s Affirmation: “I have all the reasons I need to be a terrific success at everything I do!”

     

    Did you know that studies show that people are twice as fearful of losing money as they are hopeful of gaining money?

    That means most people hang on to money out of fear when they should be investing money in things that will pay off. Holding on to money doesn’t produce any more money, does it?

    Years ago, I heard a woman speak who owned a $3 million per year manufacturing business. I never forgot what she said, “In order to expand a business successfully, you have to become more and more comfortable with bigger and bigger negative numbers.”

    Oh, that was scary when I heard it! I didn’t want to be in debt!

    But as she spoke, I began to understand. Bill Gates didn’t build Microsoft on his personal savings. Nor did Stephen Spielberg, Steve Jobs, or any other successful person who built a big company. They used OPM – Other People’s Money. That means borrowing from banks, investors, family, friends, credit cards. For all the bad press the banks and credit cards have gotten in this economy, they still have made it possible for the small business owner to get access to capital to realize their dream.

    If you want to start or build a business, you are going to need money to invest in it. One of the best investments you can make is in yourself! Yes, you could lose money – your first idea might not work. Walt Disney filed bankruptcy several times before he became wildly successful with Disneyland. (He loved his movies, but they were hit and miss financially.) There is always recovery after a downfall – human beings are amazingly resilient.

    But there is no success without risk.

    Want to hear more? Register for the recording of my free teleclass:

    “Women Don’t Ask: Why Women Earn Less Than Men and How to Break Through to Big Money Now!”

    www.chellie.com/complimentary-teleclass-041211.html

    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. Enjoy the good life – you deserve it!

    Free Drawing! Win Prizes!

    Posted on April 10th, 2015 in The Wealthy Spirit by chellie

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

    100-April 10

    “I am the greatest. I said that even before I knew I was.”—Muhammad Ali

     

    When there is a door prize or a drawing for a free gift, do you usually win it?

    Did one of the voices in your head just say, “Oh, I never win anything”? If so, that’s the reason you’re not winning. You have to expect to win.

    I used to watch other people collecting their door prizes while I sat on the sidelines and never won any. Some people won multiple prizes, and I would hear the murmurs in the room as people turned to each other and said, “She’s so lucky! She always wins something!”

    As I worked on my affirmations, I noticed that when it came to winning door prizes, I wasn’t doing a very good job of being positive. In fact, I was one of the people with a voice in my head that said, “I never win these things!” Well, seeing the problem is the first step in solving the problem, so I started doing new affirmations: “I am a winner,” “I win often and I win big,” “I win door prizes all the time,” etc.

    It wasn’t long before I won a big basket of food, candy, and coffees at a luncheon. Pam, a good friend of mine who was also at the luncheon, shared her experience of this win with me. When the drawing was announced and the woman was reaching in the basket to pull out the winning ticket, she sighed, sat back in her chair and thought, “I don’t win these things.” But just as she had that thought, she happened to catch sight of me across the room. Pam said I was sitting up straighter in my chair, had a bright smile on my face, and looked like I expected to hear my name called. In a flash of understanding, she saw that the difference in our attitudes was creating the difference in our realities. She wasn’t surprised when I won. She couldn’t wait to tell me this story and find out what affirmations I was using. She started doing them herself, and a month later, won the door prize at the next luncheon!

    Now when I hear the whispers, “She always wins!” they’re talking about Pam and me.

    And you?

    Today’s Affirmation: “I always win something, everywhere I go!”

     

     

    I GET BY WITH A LITTLE HELP FROM MY FRIENDS

     

    Long, long ago, at a networking meeting far, far, away….

    Well, it really wasn’t far away – it was in Santa Monica – but it does feel like ages ago. I went to a networking group founded by Christine Kloser called NEW Entrepreneurs (NEW stood for Nurturing Entrepreneurial Women or something like that). It was a great group of businesswomen with a spiritual bent that I related to very well.

    I met a woman there named Sylvia Silk, who I quickly discovered lived just up the street from me, and we started walking once a week in the park. Sylvia is married to a psychiatrist, and teaches the Reconnection technique, got her Masters in Spiritual Psychology, and is just a lovely, deep, spirit. I treasure our walks very much, and always run things by her when I am confused, or searching, or mad (angry and/or crazy) about something…Sylvia knows just how to cut to the chase, to refocus my attention on what really matters, or to ask just the right searching question.

    On one walk, I was very nostalgic. The end of “Lost”, “24″, Simon on “American Idol”, and turning 62 (yikes!). Endings were on my mind, and the love and connections between people. I relished the love shared between the characters on these shows, and felt a little bereft as they rode into the sunset. I don’t get to share their adventures, struggles, and passions any more. Yeah, it was all imaginary and vicarious, but it feels like a real loss just the same. Hmm.

    A little melancholy, on my walk with Sylvia, I started down the path of looking at all the losses in my life, all the relationships that didn’t last, the hopes and dreams that didn’t come true, the plans that didn’t come to fruition. That I didn’t have a successful marriage, that my book wasn’t a NY Times bestseller, that I hadn’t been on Oprah, blah blah blah. I was really wallowing in it.

    “Chellie, all that is just the Ego talking,” Sylvia said. None-too-gently, I might add.

    Instantly, I stopped walking. Looked at her and stopped talking, too. OMG.

    Feeding the ego isn’t what this life is all about. The success of a venture isn’t the point – it’s the ad-venture. It’s the exploration through which we discover our values, vision, and voice. It’s the crucible through which we distill our spirits. It’s learning, it’s school, it’s soul development. Throughout your journey, you win some, you lose some. Poker players are fond of saying, “The next best thing to playing poker and winning is playing poker and losing.” The important thing is to be in action, to be in the game, playing full-out. To learn, grow, love God, love life, and love each other. Oh, yessss….

    I knew that. At least, upon occasion, I have known that. But thank God we have Way-Showers, friends on this journey of life, to guide us back to the true path when we stray and get lost in the weeds and the bogs of the side roads.

    Everyone I meet is my teacher. I learn from all of you.

    Have you had a similar experience with a friend enlightening you in an instant? I’d love for you to share it here with me! Thanks for sharing!

    Appreciate Beautiful Things

    Posted on April 8th, 2015 in The Wealthy Spirit by chellie

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

    98-April 8

    “Think of all the beauty still left around you and be happy.”—Anne Frank

     

    Feeling financially stress-free is a state of mind. We create this state through our thoughts, beliefs, attitudes, and feelings. If we are unconscious of this fact, our minds run by habit. Most of what we think every day is the same old news, endlessly repeated by the same old voices. We may want things around us to change, to improve our circumstances, to get more wealth, health, love, and happiness. But if we want our lives to change on the outside, we have to change on the inside. We must deliberately choose our thinking and decide before the fact that our bank account is, indeed, full.

    The way to do this is to start appreciating the abundance that is all around you in the world, whether it is currently in your possession or not. Abundance is a flow of energy in constant motion around us. Admire the wonderful riches that exist everywhere and celebrate the fact that it is possible to create such glorious treasures. Each person who holds wealth is only its steward for a time. Understand this metaphysical truth: You cannot have what you envy another having. The energy of envy repels the object of its desire.

    (continued on page 98 of The Wealthy Spirit)

    Today’s Affirmation: “I revel in all the wealth and joy that life has to offer!”

     

    “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”. 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. Listen to the recording of this complimentary teleclass:

     “Women Don’t Ask: Why Women Earn Less Than Men and How to Break Through to Big Money Now!” www.chellie.com/complimentary-teleclass-041211.html

    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.

    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.

    If I can do it, you can do it, too! I’m delighted to share some of the secrets of just how to do it with you. Register to receive the recording now!
    www.chellie.com/complimentary-teleclass-041211.html
    *Affiliate Opportunity:
    You don’t have to sign up for anything, just forward this message to your favorite people, post it on Facebook or any blog or social media site, and tell them to tell me you sent them (I always ask). I will be delighted to send you a 20% bonus for everyone who signs up for any of my programs as a result of your referral

    With best wishes for your great success!

    Chellie

     

    Winning Through Service

    Posted on April 7th, 2015 in The Wealthy Spirit by chellie

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

    97-April 7

    “There is a wonderful mythical law of nature that the three things we crave most in life—happiness, freedom and peace of mind—are always attained by giving them to someone else.”—Peyton Conway March

     

    When I was a teenager, I belonged to a Masonic organization called Rainbow Girls. We had monthly meetings, wore formals, learned rituals and deportment, but the main raison d’etre was to be of service to the community. It was a team of dolphins. We held “dime-a-dip” dinners to raise money to donate to the homeless, car washes that raised money for crippled children, quilting bees to provide presents to the patients in the nursing home. We served as teacher’s aides for special education classes in the summer and took baskets of food and toys to poor families at Christmas. And all the while we had fun, joy, and laughter while working to help others. The rewards we received far exceeded the gifts we gave.

    Once a year, we joined a convocation of Rainbow Girls from across the state of California for “Grand Assembly.” The culmination of the conference was the announcement of the new Grand Officers for the coming year, awarded to the Assemblies who had contributed the most to their communities, ending finally with the top office, Grand Worthy Advisor.

    We knew we had worked hard and contributed much, yet we had not had a Grand Officer for several years. We were excited—we were due. Yet officer after officer was announced and we were passed by. We despaired. Finally, the last five top officers were being named. Dared we hope? But one by one they were announced and we were not chosen. No, not us, no, no again. Only one office remained. “Grand Worthy Advisor.” We held our collective breath. Could it be us? Then we heard the magic words: we were chosen. We screamed, we cried, we jumped up on each other, pulled our hair and screamed some more. The top award was ours! We had done it! I still have the picture that was taken of us that day—it is all hands and arms, running mascara and shrieking open mouths of surprise and radiant joy.

    Do you have a memory of such a win? If yes, it is one of the greatest treasures you possess. Take it out often and admire it as the priceless jewel it is. Revel in it again. If you do not own such a treasure, go create one, remembering that the first step in its creation is service to others.

    Win through working, giving, loving, serving. Team wins are the most fun, because they are shared. Create a team of dolphins to win with. Introduce your children to a team of dolphins.

    After all your money is made and all your toys enjoyed, the heart of life is in friendship and service.

    Today’s Affirmation: “I give generously to myself and to others and reap rich rewards!”

     

    Secret Code Alert:

    I promised to share some of the secret codes I put in this book. I used insider phrases or terms that people in various clubs or groups I belonged to would recognize, and our kindred bond would be reinforced.

    Rainbow Girls is a wonderful organization, and I learned so much from this experience. When all of our hard work, service to the community, and giving to others was acknowledged by our being rewarded with one of our members, Pat Chinn, being named to the top Grand Office in the state of California. We were over the moon. Somewhere I still have a photo that was taken that day when the announcement was made – 30 screaming girls, grabbing each other, arms akimbo, mouths open, tears streaming. I think that was the most emotional high I have ever had in my life! Group wins are the best wins because they are shared.

    Because the Grand Worthy Advisor was from our Assembly, we had the pleasure and responsibility of putting on her Grand Reception, inviting people from everywhere to visit and celebrate. I happened to be the Worthy Advisor of our Assembly at that time, so it was a big responsibility to take on during my senior year of high school. But though it was challenging, it was also great fun and very meaningful. I treasure these memories.

    In Rainbow, we had secret signs and we had a secret word. I cannot divulge these secrets, of course. But I can let you know the secret word is used in the above article, and Rainbow Girls everywhere will recognize it.

    Love

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

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

    96-April 6

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

     

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

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

    (continued on page 96 of The Wealthy Spirit)

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

     

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

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

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

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

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

    It’s a Wonderful Life!

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

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

    94-April 4

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

     

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

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

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

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

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

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

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

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

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

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

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

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

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

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

    “Why not?” he pressed.

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

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

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

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

    Health Costs

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

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

    92-April 2

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

     

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

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

    (continued on page 92 of The Wealthy Spirit)

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

     

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

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

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

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

    That was a sore spot with me.

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

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

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

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

    Another Bad Habit Bites the Dust

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

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

    91-April 1

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

     

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

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

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

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

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

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

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

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

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

     

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

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

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

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

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

    What’s your secret sin?

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

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

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

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

    Time to eat cashews.