The Wealthy Spirit Insider

    Goal Getting

    Posted on January 12th, 2015 in The Wealthy Spirit by chellie

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

    12 – January 12

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


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

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

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

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

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

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

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

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


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

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

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

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

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

    The Money Is in the Phone

    Posted on January 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”

    10 – January 10

    “Everything you want is out there waiting for you to ask. Everything you want also wants you. But you have to take action to get it.”—Jack Canfield


    As a single person working alone in my own seminar and public speaking business, I send out ships on a daily basis. Some are medium-sized cargo ships like speaking at a networking meeting where I can meet many potential clients. Appearing on television or speaking at a national conference are large cruise ships. Writing this book was an aircraft carrier! But my bread and butter canoes are follow-up telephone calls to people I’ve met who are interested in my work. I close all of my sales on the telephone so I know that “The money is in the phone.” To remind myself of this, I spray-painted my telephone gold. I paint my fingernails gold, too. It’s a mnemonic device, reminding me that the riches I desire are often just a phone call away. It’s not “Cold Calling,” it’s “Gold Calling!”

    Follow-up phone calling is a discipline. I work alone at home, and often people will ask me how I stay focused on work with all the distractions that are possible. You know, the laundry, personal chores, housekeeping, food, Oprah. (Oops, well I do watch Oprah—she’s terrific—and I plan my afternoon break for that. And I hate laundry, so that’s no distraction.) But for the most part, it’s easy to stay focused on my job. All I have to do is pay some bills. When there’s no more money, I remember that “The money is in the phone.” I get busy and call potential clients.

    Where is your money? If you’re a business owner or in sales, your money is in the phone. If you’re employed, you sold your boss on hiring you. Ask your boss where she thinks the money is in your business. Pay most attention to your tasks at work that produce income. Businesses must make money to survive and pay you—how can you help them make more money more efficiently?

    Focus on sending out the ships that bring in the treasure.

    Today’s Affirmation: “My phone is ringing off the hook with people calling to give me money!”


    People avoid the phone in droves. Either they don’t know that’s where the gold is, or it’s just too scary to reach out to someone they don’t know. (They want the gold to be in the email, but like direct marketing, the sales results from that are 1%.  Not enough.)

    Once I talked with a woman who had been a regular at one of my networking meetings but then stopped coming. When I called and asked her why, she said the group didn’t work for her – she never got any business from it.

    “How many meetings did you go to?” I asked.

    “I went to one every month,” she replied. (Only one?)

    “Did you call people after the meeting?” I inquired.

    “No,” she said. “If they wanted my services, they would call me.”

    I knew she wouldn’t be in business for long.

    Let me give you a tip: They aren’t going to call you.

    Why? Because they have a life, they have priorities, they need clients themselves, they have another appointment, it’s their mother’s birthday, they have to wash their hair. You and your stuff are way down at the bottom of their priority list. Even if what you have is what they most need and close to the top of their list, they aren’t going to call you. They have fears. They have objections: You’re going to charge too much, they really should remodel their house first, it’s their daughter’s birthday tomorrow, maybe you aren’t really the best one for the project, it’s too far to drive, they’d have to convince their Significant Other and that might mean an argument and that would lead to problems and oh it’s just easier to forget the whole thing…

    And you don’t call them, because you don’t want to hear all their objections. You want to hear “Yes!” so much! But not as much as you are afraid of hearing “No.”

    And those who do make calls often do them badly. They just PITCH themselves and their services instead of finding out about the other person and seeing if they can help them. Don’t you just hate sales pitches that start out, “Let me tell you about the wonderful (blank) I do”? The are all me, me, me, I, I, I, blah, blah, blah…

    So most small business owners continue to network, send out emails, and don’t get the results they want, and make a lot less money than they deserve. They never took a sales training about what to say when they pick up the golden phone.

    But wait, you might be thinking. Phone calls are old technology. Can’t I just get all my customers through advertising on Facebook, Twitter, and sending emails?


    Not if it’s just more pitching.

    Oh, you can get some. You can get followers, you can get readers, and eventually some of them will turn into clients. But the truth that no one wants to tell you is that it’s a very low percentage and it’s really slow. Don’t you get hundreds of emails, tweets, and posts every day? Do you read them all? Do you know the average open rate of an email newsletter is only 10-15%? Your copy had better be really great and you’d better have thousands of people on your list if you’re going to rely on that.

    The real secret to Social networking online is the same as physical networking in person – you have to create relationships. And you don’t do that by endless pitching. The tweets and posts have to engage the reader, reveal yourself and what you’re about, show your caring and expertise.

    I call this “Sending Out Ships” (so that some day your ship will come in). Here’s an example:

    Lucy, an attorney in Texas, a participant in my last Financial Stress Reduction® Workshop teleclass, said she had signed up for my newsletter, read them for months, then signed up for my 365 daily pages from The Wealthy Spirit. As she read them each day, so many of them spoke to her that she started printing them out and putting them in a notebook. When she got so many the notebook was messy, she decided to just buy the book. When I announced in my newsletter that I was having a free teleclass “Confidence, Charisma, and Cash” she signed up for it and listened. She wrote me to say thank you and that she enjoyed every minute of it, and she was interested in signing up for my workshop. That’s when I called her and closed the sale.

    So when you do get a call from someone who is interested in your product or service, how are you going to convince them that you are the one they should work with? Do you know what to say to close the deal when they are really interested but they have objections? Like time and money and I-have- to-wash-my-hair?

    What are the secrets to having wonderful, engaging phone conversations with prospective clients that result in higher ticket sales?

    If you would like to learn my simple, friendly, engaging techniques for making warm calls that result in new friends, new strategic partnerships, and lots more new clients, take a look at my 8-week Financial Stress Reduction teleclasses  – click here for information.

    Or you can pick up your golden phone and call me at 310-476-1622!

    Flying Without a Net

    Posted on January 9th, 2015 in The Wealthy Spirit by chellie

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

    9 – January 9

    “One day John and George showed up…and told me we had a gig. I said, ‘No. I’ve got a steady job here.…I can’t expect more.’ And I was quite serious….But then I thought, ‘Sod it.’ I bunked over the wall and was never seen again by Massey and Coggins. Pretty shrewd move really, as things turned out.’”—Sir Paul McCartney


    The successful corporate executive had just been fired after twenty years. He told me he had always wanted to be an entrepreneur, but had been afraid to “fly without a net.” I have seen many people like him give up their dreams for the illusion of security, trading their hopes and aspirations for what they think is a safety net. The tragedy is: There is no net. There never was—and never will be. We are all, always, flying without a net. There is no job from which you can’t be fired, no house that can’t be destroyed, no life that can’t be lost, no gold that can’t be stolen, no stock that can’t lose its value, no security that can’t disappear.

    So you might as well do what you want!

    When I decided to sell my business management company and teach the Financial Stress Reductionâ Workshop full-time, it was really scary. I didn’t know if I would be able to sell enough workshops, on an on-going basis, to make a living. With the bookkeeping service, my clients paid me a fee every month. This created a regular income stream. With the workshop business, however, a customer paid once for the workshop and then was gone. I had to generate new customers every eight weeks. I didn’t know if I could do that. I was terrified.

    But I loved teaching this workshop. All of my performing skills and financial skills were married in this creative outlet. My students were giving me great reviews and producing extraordinary results in their income. I had to go for it. I talked to people endlessly about the class and one by one, people enrolled. I would relax a bit at the beginning of each new course—I was safe for another eight weeks! But then, I’d look at the next course—no one was enrolled in it yet—and fear would strike again.

    It took about three years before I started to trust that, if I followed my own program assiduously, there would always be people in the workshop. As long as I take action—think positive, send out ships and count my money—I make a wonderful income from work I love. And as long as I stay centered—swim with dolphins, survive the storms, and seek balance and enlightenment—I am happier than I have ever been in my life.

    Make no decisions based on security. There is none. The safety net is an illusion. The only net you will ever have is the internal one you make for yourself. It is woven of goals, grit, determination, will, planning, resilience, creativity, and optimism. And the belief that if you fall, you have what it takes to get back up.

    Today’s Affirmation: “I soar to tremendous heights of success!”


    So here it is, twenty-plus years after I went full-time with the workshop business, still loving it, still swimming with dolphins, still enrolling people, still making money. Yes!! It works.

    Oh, I can also still look ahead to the workshop after this one and cry, “Oh, no, there’s nobody in my next workshop! What if I’ve already gotten everyone who’s gettable? What if The Competition gets them before I do? What if…”

    You can play the “what if” game too, can’t you? But it won’t do you or anyone else any good. I saw this quoted by one of my Facebook friends recently, ?”I do not fix problems. I fix my thinking. Then problems fix themselves.”—Louise L. Hay

    A photographer client of mine once made me absolutely crazy with his “what ifs”. It was like he was determined to be anxious. As we worked together in class, he had clients and photography assignments lined up 4 months in advance, and then 6 months, and then 9 months! But it didn’t matter how far ahead he was guaranteed work – he could always see ahead to that blank space in the future where the unknown lurked. And what would he do then?

    How much of a guarantee would make him feel safe? One year? Five years? That’s a zero sum game. Look, you can’t even know that you’ll be alive 9 months from now. Or even tomorrow. So give up the worries and spend all your creative energy on figuring out how to make money serving others and doing what you want. That’s how you’ll enrich the world as well as yourself.

    The only reasonable “what if” is this one:

    What if Paul McCartney had continued to work at Massey and Coggins?

    Send Out Ships

    Posted on January 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”

    8 – January 8

    “The vision must be followed by the venture. It is not enough to stare up the steps—we must step up the stairs.”—Vance Havner


    Thinking positive is your first step to living rich, inside and out. But it is not enough. You have to take action to achieve your goals. I call this “Sending Out Ships.”

    In the nineteenth century, the merchants in London built grand, tall-masted sailing ships. It would take many months, sometimes years, to build them. Then they would hire a crew, outfit the ship and store provisions for the long sea voyage. One fine day, the ship would weigh anchor, hoist her sails, and sail out of London harbor, on her way to visit foreign ports and trade for gold, jewels, silks, and spices. The trip would take many months—often years—and there were no communication lines open then: No ship-to-shore radio, no telegraph, no cellular telephones. Once the ship had sailed, the merchant could do nothing more; only wait for that future day when the ship would return, sailing into London harbor laden with treasure. On that day, the merchant’s fortune was made. And that’s where the expression “I’m waiting for my ship to come in,” comes from.

    But some people are going down to the dock, waiting for their ship to come in—but they haven’t sent any out! If you want the fortune, your responsibility each day is to send out some ships. And you had better send out more than one, because stuff happens to ships: One runs aground just outside of the harbor, another sinks in a hurricane. A few get commandeered by pirates, the whirlpool gets one, and on the next one there’s a mutiny and they sail off to Pitcairn Island and aren’t heard from for another twenty years. Then, of course, there’s the one that hits the iceberg! Once you send the ship out, it’s out of your control. You are only in charge of sending it out, not when it comes in.

    When you get into the habit of sending ships out on a daily basis, even if you know some ships aren’t going to make it back home, you are still confident and optimistic because you know you have a whole fleet sailing out there. It creates a positive expectation that ships are going to be sailing in, docking at your pier and unloading riches for you any minute. Positive energy shines from you. You feel good about yourself because you’ve been doing what it takes to succeed. This is what Tony Robbins, in his book, Awaken the Giant Within, calls “massive, positive, constructive action on a daily basis.” (Although that sounds a little too much like hard work to me.) I prefer the image of breaking the champagne bottle and waving goodbye to a proud clipper ship on a beautiful spring day as it sets forth on my behalf. And then celebrating the ship’s safe arrival with all my wealth.

    Ships at Dubrovnik

    Send those ships out every day. Then prepare to unload your treasures.

    Today’s Affirmation: “Today is a big money day!”


    Every little action you take towards getting your goals pays off. Even the ships that sink are adding to the energy you possess that helps build the next ship. It doesn’t matter that some ships sink, it matters that some of the fleet make it into port unloading treasures at your dock.

    People often ask me to give them examples of ships. If you’re in business for yourself, ships are sales and marketing. Here are some of my ships:

    This blog

    My website

    My Dolphin Club

    Email newsletters

    Email ads

    Building relationships on Social Networking sites:




    Building relationships at live networking events

    Calling people I’ve met at networking events

    Giving speeches

    Answering email questions

    Answering phone questions

    Follow up, follow up, follow up

    An attorney in Texas named Lucy, gave a great example in one of my Financial Stress Reduction® Workshop teleclass. She said she had signed up for my newsletter, read them for months, then signed up for my 365 daily pages from “The Wealthy Spirit”. As she read them each day, so many of them spoke to her that she started printing them out and putting them in a notebook. When she got so many the notebook was messy, she decided to just buy the book. When I announced in my newsletter that I was having a free teleclass “Confidence, Charisma, and Cash” she signed up for it and listened. She wrote me to say thank you and that she enjoyed every minute of it, and she wanted to sign up for my workshop! That’s when I called her and closed the sale.

    This is how sending out many little business ships that finally cumulate in someone becoming your client. Some people refer to this as the sales “funnel”. You provide free information and newsletters, then some low cost services, and then a bigger sale. It takes sending all the little ships to produce a big ship coming that brings you the treasure. But it all starts with sending out a ship. And then another one…

    Write “Thank You!” on All Your Checks

    Posted on January 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”

    7 – January 7

    “If a fellow isn’t thankful for what he’s got, he isn’t likely to be thankful for what he’s going to get.”—Frank A. Clark


    It is important for your personal prosperity to take joy in the process of sending people money. As you write the check or pay the cash for your purchase, know that you are creating financial benefits for many unseen individuals who make their living from these transactions. Smile and write “Thank you!” on the bottom of every check in the memo portion. “Thank you!” that I can buy this wonderful product or service that I want. “Thank you!” for providing it for me. “Thank you!” that I have the money to buy it—and that the check is good.

    Andrea James, a bright young financial planner, took this idea to heart and decided to try it. Her boyfriend was applying for an exclusive apartment through a rental agency. He knew that there would be many applications for this apartment, and prepared his with care. Andrea insisted that he write “Thank you!” with a big exclamation point on the deposit check he submitted with his application. A skeptic, he scoffed, rolled his eyes and snorted with derision, but finally acquiesced and wrote it on the check.

    He got a call two days later. Although there were some seventy-five applicants for the apartment, he was the one who got it! He asked why he was the one who was chosen. The apartment manager said she picked him because he had written “Thank you!” on his check! It had brightened her day, and she said that a person who would do that was the kind of person she wanted living in her building.

    He writes “Thank you!” on all his checks, now.

    Give of your abundance happily to other people and they will likely do the same—happiness is catching. Send the money back out and around and eventually it will circle back to you. Then you will send it out again. We are all linked together in the circle of abundance.

    Today’s Affirmation: “Thank you, God, for the abundant gifts you provide for me every day.”


    I still write “Thank you!” on all my checks, although we don’t use checks as much now as we once did, do we? But you can write “Thank you!” on your credit card slip, too, or just say the blessing as you pay someone with cash. I’ve been doing this for probably 15 years or so now.

    Up to this day in the calendar, I’ve focused on changing your relationship to money, how you think about it, believing there is enough for you, and that you deserve it.

    Now it’s time for you to share your money with others. Happily!

    You must get into the Universal flow with money – it’s always moving, coming in and going out. It isn’t of any use at all when it’s static. It’s supposed to be multiplying, and it’s supposed to be shared. Every time you pay a bill, you’re blessing someone who provided the product or service for you. You are helping them to grow and prosper, and feeding their families, and maybe their employees, too.

    So many people get caught up in the fear of lack and limitation with money, afraid to let go of it because maybe they won’t get any more. Talk about negative thinking! If you’re going to buy the item, be glad to pay for it and help enrich another person. Otherwise don’t buy it. Sit at home and play with your money instead.

    Doesn’t do much for you on its own, does it? Money is only a medium of exchange. Feel rich and prosperous and generous while you exchange your money for something you desire – you are helping and blessing another. This is good! Enjoy the mutual benefits and satisfaction!

    More money will show up for you tomorrow.

    Prosperity Thinking

    Posted on January 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”

    6 – January 6

    “One plus one is two. Two plus two is four. But five will get you ten if you know how to work it.”—Mae West


    We create our own reality from our attitudes, beliefs, thoughts, and feelings. What you focus on expands—focus on fear and you will become more afraid. Focus on love and acceptance and you will get more of that. As you focus on and believe in your ability to create financial abundance in your life, you will begin to receive it: Believing is seeing, not vice versa. Saying prosperity affirmations daily will help you to do this.

    Yes, yes, I know you’ve heard of this before. Prosperity affirmations aren’t new. But I ask you: Are you doing them? Consistently? Every day? Because you are thinking about money every day, and I know from experience, what most people are thinking about money is not prosperous or affirmative. Do you clench your teeth when bills arrive in the mail? Do you shudder when you hear the word “taxes?” Do you respond with envy and sour grapes when a rich person is mentioned to you? If so, you need to start reprogramming your consciousness to develop a healthier attitude toward money so that you can attract it into your life.

    Now, if you try doing prosperity affirmations for three days and then give up in disgust, it’s not going to work. Neuro-linguistic programming states that it takes twenty-one days to establish a new habit. In order to reframe our attitudes and beliefs about money, we need daily practice. For twenty-one days in a row. That means that if you practice saying positive affirmations for ten days and then forget a day, you have to start all over again. What we want to happen is for the new programming to become second nature so that when we hear the word “money” or “wealth” we brighten up, lighten up, and feel like we own it.

    Claude Bristol, in his book The Magic of Believing, suggests a technique called “mirroring.” Stand in front of a mirror and say your affirmations out loud with power, meaning and energy. Try this for five minutes at the beginning of each day. There is something utterly transforming about talking yourself up this way.

    Obviously, if we say positive affirmations for five minutes each day but then go back to our old negative groove for the other twenty-three hours, fifty-five minutes of the day, it will take a long time to notice any progress. It is important that you monitor your thoughts and words throughout the day and catch yourself in any negativisms. When you notice one, repeat two positive affirmations—one to counteract the negativism and the other to move yourself forward.

    Find additional times and places to practice your affirmations. Standing in line at the post office or the grocery store, waiting for a bus or a friend at a restaurant, or while taking a shower are great times to run through your list. Another great affirmation time is while driving. It only takes 5 percent of your brain power to drive so use the rest of your brain positively!

    Today’s Affirmation: “My affirmations work for me, whether I believe they do or not!”


    I’d better mention that although 5% of your brain will take care of the mechanics of driving, it will take a bit more than that to make sure you follow all the rules and read the signs or you’re likely to end up in Timbuktu when you were headed for Santa Barbara. I’ve often “come to” in the car and wondered where the heck I was.

    Actual sign in Albuquerque

    And when you’re doing affirmations standing in a line somewhere, it’s best to do them silently to yourself so people won’t think you’re a crazy person talking to the air.

    Once a man in my workshop said that he wasn’t doing the affirmations because it made him feel silly. I suggested that doing the affirmations was something I felt was responsible for the successes that people continually had with my workshops. He still looked dubious. But I got him when I said this, “Would it be worth it to you to feel silly for 5 minutes a day if it would help you double your income?”

    That looks like a pretty good trade-off, doesn’t it? I told him to try it for the 8 weeks of the workshop. If it didn’t work, he didn’t ever have to do them again. But to not even try doing them is to have contempt prior to investigation.  He doubled his income.

    Secret Code Alert:


    The Law of Attraction was well-known to me and I had been practicing positive thinking for years when I began my workshops in 1990. “What you focus on expands” is a well-known phrase attributed to many different people, from Edgar Cayce to Abraham-Hicks. I quoted it without attribution because I couldn’t determine the originator of the phrase. But including it rings a bell for all the Law of Attraction followers, and they recognize me as one of “Their People”.

    It’s great to leave clues like this in your writings. I left another one with “contempt prior to investigation” that I mentioned above. It’s a well-known phrase used by a popular 12-step program that I belong to. I’ve included many of them throughout the book, and I’ve received many emails from people in the program asking me if I’m a friend of Bill W? That’s another code used by people in the program to identify each other. More about that when we get to page 79 in March…

    Aren’t codes fun?

    People Love to Give Me Money

    Posted on January 5th, 2015 in The Wealthy Spirit by chellie

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

    5 – January 5

    “Money swore an oath that nobody who did not love it should ever have it.”—Irish proverb


    When I work with groups, I always ask if anyone ever took a class on making and managing money in grade school or high school. Very few hands go up. Without official training in this subject, people are left to formulate their own ideas based on what they heard, read, or saw others do. So what did you hear about money when you were growing up? What did your parents say to you when you asked for money? What did you read about money? What did your teachers, friends, neighbors tell you? What were the old clichés you heard? These thoughts became your “money mantras” and they resound in your mind whether or not you are conscious of them. And they create your financial reality. Try completing the following sentences:

    “Money doesn’t grow ____________.”

    “The love of money is the root _____________.”

    “The rich get richer and ________________.”

    “Save for a _____________.”

    “It takes money to __________.”

    “It’s just as easy to marry _________________.”

    “Money can’t buy ______________.”

    My workshop participants call out the answers immediately. As each one is mentioned, I write it on the white board for everyone to see. As I add more and more negative statements, the room gets quieter and quieter. The energy level goes way down. The feeling is palpable as people focus on their negative ideas about money. I ask them to feel the energy in the room and they all notice it’s more depressed. Then I ask, “How many people believe in the power of positive thinking?” Many people raise their hands, but then I run to the board and point out all the negative statements and ask, “Then what’s this?!”

    This generally gets a good laugh as people realize that they may believe in thinking positive, but they haven’t really taken the time to evaluate their thoughts that they are constantly replaying in their minds. At this point, they’re ready to learn some new positive thoughts about money. The very first affirmation I teach them is, “People love to give me money!” I have them say it out loud with me, and the energy level in the room goes up immediately. People start laughing—it’s fun, and it feels so different to say a positive, fun, money affirmation. I say, “See, you can’t say it without smiling!”

    Many people make this statement a part of their daily affirmation program. And the results have been amazing. One attorney thought it was silly, but was game to try it and so repeated this statement all the way home from the class. As he walked up to his front door, his roommate ran out and handed him a check for money he had owed him for nine months. Effie, a young photographer, was saying this affirmation in her car. When she stopped at a traffic light, a homeless man knocked on her window. When she rolled it down, he handed her five dollars!

    Change your mind about money today and change your experience with money tomorrow. Try it and see.

    Today’s Affirmation: “People love to give me money!”


    A woman posted this comment about affirmations on my blog a while back:

    “Oh, Chellie. Right off the bat you’ve hit my “this will never work” button. When saying this affirmation, all I can think about is the lack I’ve had in my life since childhood. Now, that doesn’t mean I’m not gonna say it, but this will truly be a “fake it, ’til you make it” affirmation for me!”

    Ah, yes, “Fake it ‘til you make it”, that great old show biz adage. Well, I’m here to tell you it works. And here’s why:

    You’re wearing your thinking.

    You wear your thoughts like you wear clothes. Your thinking shows up on your face and in your body language and in your energy. You are projecting joy, success, and prosperity or you are projecting misery, failure, and poverty. And all points in between. People can see it and they can feel it. They respond, consciously and unconsciously, to the thoughts you project.

    I explained this once on a radio show in Billings, Montanta, when my book, The Wealthy Spirit, was first released. The interviewer was Tommy B, and the call letters of the radio station were KBUL. I pictured him as a skeptical guy in a cowboy hat and boots, and didn’t think he was going to be wildly enthusiastic about practicing positive thinking.

    I was right. The first thing Tommy said after he introduced me was “I have to tell you I am a skeptic. You aren’t going to tell me that saying some silly positive phrases is going to make me more money, are you?”

    “Well, yes, Tommy, I am,” I said.

    “Okay,” he said, sounding perfectly delighted to have some controversy, “You are going to have to explain how that works.”

    “It’s really quite logical,” I explained. “For example, let’s say a friend of yours walks into your house and he’s really angry about something. Can you tell he’s angry before he says so?”

    “Yes,” replied Tommy.

    “Well, he looks happy.”

    “Yes—because you’re wearing your thinking. Your emotional state is reflected in your body language and on your face.”

    “I guess that’s true,” said Tommy. “But how is that going to make me more money?”

    “Wait and I’ll explain,” I said. “Do you network in the community to promote your radio show? Do you go to Chamber of Commerce, Rotary Club, and other business or trade associations meetings?”

    “Oh, sure,” he replied. “I go to things like that all the time.”

    “When you’re there, do you notice that some people look happy and successful, and other people look angry and complaining?”

    “Yes,” chuckled Tommy.

    “And, in addition to promoting yourself, do you sometimes hire the people you meet to provide products or services for you? To design or print your business cards, or sell you stationery supplies, or provide your insurance?”


    “So do you hire the people who look happy and successful, or do you hire the people who look angry and complaining?

    “I hire the people who look happy and successful,” he replied.


    “Because if they look happy and successful, I expect they will do a good job. It will be a pleasure working with them and there won’t be any problems.”

    “Exactly,” I said. “That is why positive thinking works. You repeat positive statements to yourself in order to talk yourself into a happy, successful feeling. That feeling is going to show on your face and in your body language. People will look at your smiling face, hear the smile in your voice, and see you as successful. Whether you are or not! In show business they say to “Fake it ‘til you make it.” Positive thinkers are using that principle in daily life. Act joyful and successful every day, and more people will hire you and be willing to pay you top dollar. Soon you’ll find you aren’t acting anymore. You’ll actually be successful. And happy. And rich.”

    “Oh,” exclaimed Tommy. “I never thought about it like that.”

    We’re all wearing our thinking. Are you wearing prosperity or poverty? Success or failure? Love or hate? And who do you think you are attracting with that energy?

    The Waitress and the Short Order Cook

    Posted on January 3rd, 2015 in The Wealthy Spirit by chellie

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

    3 – January 3

    “Two men look out through the same bars: One sees the mud, and one the stars.”—Frederick Langbridge


    The waitress has worked here since time began. Ageless and calm, her eyes see through to the end of the world. She smacks her gum, gives the customer a lopsided grin, and smoothly asks in her professional voice, “May I take your order now?” She stands there expectantly, pencil poised to write on her order pad.

    “I don’t know exactly what I’m hungry for. I can’t make a mistake. I’m really sorry this is taking so long—I’m so stupid!” In discomfort and confusion, the customer gropes for the right words and the right order.

    “One don’t, one can’t, and a side order of shame!” the waitress hollers to the cook. He stands behind the counter, ready to serve up another batch of cold reality. He’s heard this order before. In a second, the plate is prepared.

    “I really want to help people. I don’t care about the money,” the customer explains.

    “Hold the money!” the waitress hollers.

    The cook silently removes the money from the plate.

    A new customer bursts into the diner: “I’ll have the talent, drive and determination to be a top caliber professional writer, I’ll write a book that helps many people and easily makes me rich and famous!”

    The waitress laughs and gives the order to the cook: “One successful bestseller smothered in money and a side order of fame!”

    “It’s already been delivered,” smiles the cook.

    This is Earth’s Universal Diner, where you always get exactly what you ask for. Would you like to change your order?

    Shelley, Bobbi, & me at Sibilla outside Rome

    Today’s Affirmation: “I always get exactly what I want!”


    I love this story. I can say that with modesty, even though I wrote it, because I’m not sure how I wrote it. This is one of the magical stories that just came through as I sat at my computer typing and thinking and writing. Once in a while, something else took hold, the zone embraced me, images flowed through my mind and became words. And the words formed a story, outside my ken.

    Every artist experiences this otherworldly phenomenon, that transforms their picture or article or ad or whatever creation they are working on. This is why we show up hour after hour, day after day. We wait for the inspiration, the muse, the automatic writing that takes over and uses us as a tool. The thing we intended has been transformed and blessed.

    This only happens when you are working, experimenting, listening, giving yourself over to the thing you love.

    Ask for what you want today. Then give yourself over to it, expecting the best. Transformation awaits you.


    Rules for Affirmations

    Posted on January 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”

    2 – January 2

    “Getting ahead in a difficult profession requires avid faith in yourself. You must be able to sustain yourself against staggering blows. That is why some people with mediocre talent, but with great inner drive, go much farther than people with vastly superior talent.”—Sophia Loren


    Great inner drive is sustained by daily positive thoughts about yourself and your expectations for your future. Affirmations are designed to help you with this process, but they only work if you say them. Knowing about them isn’t the same as doing them.

    When you make the commitment to practicing positive thinking on a daily basis, what affirmations should you use? You can use the affirmations in this book, collect them from other books, or write your own. Whichever you choose, make sure that they follow the three rules for creating affirmations:

    1.     State affirmations in the present tense. Affirmations must be stated in the present tense, such as “I am prosperous” or “I am rich and wonderful” because if you put them in the future tense, “I’m going to be rich” you will be creating a picture in your mind that someday you’ll be prosperous, but not now. You want to program prosperity for now, today—not someday. It’s like a sign posted at a bar: “Free Beer Tomorrow.” When does the customer get free beer?

    More of this please!

    2.     State affirmations in the positive. When you speak your affirmations, you are giving instructions to your subconscious mind. Neuro-linguistic programming has determined that the subconscious has no picture for “not,” “don’t” and other negative qualifiers. For example, if I tell you, “Don’t think about pink elephants, don’t see the little baby pink elephant with its trunk curled around its mama pink elephant’s tail,” I’m sure you are picturing pink elephants in your mind right now. You can’t help it. So, when you create an affirmation, say “I always have plenty of money in my bank account” rather than “I’m not going to be overdrawn on my bank account again.” Picture what you want instead of what you don’t want or you’ll be giving power to the wrong thing.

    3.     Be specific. A photographer friend of mine told me how much she wanted to go to Greece. She thought a great way to get there would be if she was paid to go, by getting a photography assignment there. Excited by the concept, she started doing affirmations for this trip daily: “I have a photography assignment in Athens! I have a photography assignment in Athens!” Four months later, she received the call—she had her assignment for a photo shoot in Athens. Athens, Georgia. Oops. Make sure you state exactly what it is you want.

    Santorini Beach

    Today’s Affirmation: “I always have plenty of money!”


    I have to admit that I was skeptical about affirmations to begin with. Just a little niggling thought in my head kept snarking, “That’s magical thinking, Chellie. That can’t really work.”

    And I thought that as long as I didn’t actually DO them. Funny how nothing much ever works if you don’t put it into practice…but every successful person I’ve ever seen, talked to, read about, has said that positive thinking not only works, but is required if you want to be successful.

    One year, while on a Christmas shopping trip with my sisters, I actually found that sign “Free beer tomorrow”! Pretty funny, since I had been telling the story about it for years. I bought it, of course.

    One of the reasons I designed this book as a page-a-day book was to promote the idea that affirmations needed to be practiced on a daily basis. Did you know the average person has about 60,000 thoughts a day? Studies have shown that 95% of your thoughts are the same thoughts you had yesterday (not a whole lot of new, creative thinking going on), and 80% of them are negative.

    If you think negatively about your chances of success, chances are you won’t take any action to get it. But if you think positively, you’ll get out and try something – take a class, do research, ask a questions – and your actions will likely lead to something positive happening.

    Affirmations make you feel like getting started. So do them. Or be a couch potato. Your choice.

    Celebrate a New Beginning!

    Posted on January 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”

    1 – January 1

    “There are some people who live in a dream world, and there are some who face reality, and then there are those who turn one into the other.”—Douglas Everett


    This is a day of celebration: Awake and sing the song of a bold new beginning. The point of power is in the moment and this moment you can start your new path towards success, wealth and happiness. Whatever came before is buried in the snows of last year. You can and you will—whatever you desire.

    We are all graduates of MSU—Make Stuff Up. Whatever you have done in your life so far, you made it all up. You chose where you live, what you wear, what friends you have, what profession you’re in, how much money you make. And you choose again each day to maintain and build upon those things or to let go of them and pick up new things, new roads, new directions. On this day of your new beginning, all paths are open, all doors unlocked, all possibilities unlimited. What will you choose to be, do, and have now and going forward?

    Me and Cousin Bill make it to the top

    At the beginning of each Financial Stress Reduction Workshop, I ask participants to write down their “Intended Results.” It is a list of goals they want to accomplish in the course. I ask you to do this as well. What is your intention in reading this book? What do you want to have achieved by the end of it? Make a list of your goals for the next one-year period—financial, emotional, and spiritual. Goals have been called “dreams with deadlines.” Writing them down brings them from the metaphysical realm into the physical. No longer just a fantasy, the idea now exists in concrete form as a written document. If you have written goals down in the past, look at them and acknowledge yourself for the ones you have accomplished. Whatever remains undone may be transferred to your new list.

    Make wealth—internal and external—your goal this year. Believe you will make more money with less stress and have more time off for fun with your family and friends. Be willing to risk change and survive the storms to find your highest good. Counting your money will make your money count—and remember to count your friends and your blessings as well.

    My Friends in Rome with $25 ice cream cones

    Then celebrate—you have taken the first step along the path to great achievement!

    Today’s Affirmation: “Something wonderful is happening to me today—I can feel it!”


    Years before “The Wealthy Spirit” was even a twinkle in my eye, I was collecting quotes that I loved. Always an avid reader, I found a book in the bargain bin at the bookstore: “The Last Word on Making Money” by Rolf B. White published in 1988. It was filled with lists of quotations about all things financial.

    Although I had no plans to write a book at that point, I just had a feeling that little book would come in handy at some time in my future, so I bought it. When I started writing “The Wealthy Spirit” in 2002, I sure was glad I had this as a resource!

    For years, I also kept a little notebook that I filled with quotes that made me laugh, or ponder, or give me a chill and an aha! Some of the entries are handwritten, some are pasted in – it’s very nostalgic for me to thumb through its ragged pages now, remembering how I feverishly paged through it looking for the perfect quote for each page.

    The above quote by Douglas Everett is the very first entry in my little book, so it was appropriate for it to be the first quote in my big book. Here’s another from my notebook:

    “Far away there in the sunshine are my highest aspirations. I may not reach them, but I can look up and see their beauty, believe in them and try to follow where they lead.”—Louisa May Alcott

    Family at “It’s a Small World”

    Just looking at your highest aspirations makes you feel good. I love choosing my goals for each New Year. I start by reviewing last year’s goals, look at what I accomplished, and then decide what I want to create next. What do you want to choose for 2012? What do you want more of? What do you want to let go of?

    Dolphins everywhere support you in living your dream!