The Wealthy Spirit Insider

    The Number One Mistake Financial Planners Make

    Posted on May 21st, 2015 in Uncategorized by chellie

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

    141-May 21

    “Everyone must row with the oars that he has.”—English Proverb


    Years ago, when I was first starting to earn good money, I thought I would go to see a financial planner to get started saving and investing for my retirement. We talked about my goals, and what amount of money I would like to live on when I was retired.

    Then she made The Mistake. She calculated how much money I would have to have saved by age 65 in order to have enough to retire, adjusted by inflation. I remember the amount, because it seemed enormous and totally unreachable: $1.2 million. She told me that I would have to start saving $800 every month in order to reach my goal. Well, I was only making $2,000 per month at the time! There was no way that I could save $800 a month. It was a totally unreachable number to me. I thanked her very much for her time and left the office, thinking that I was never going to be able to retire, so I might as well not bother saving anything. And so, for years, I didn’t save a dime.

    (Continued on page 141 of The Wealthy Spirit)

    Today’s Affirmation: “My assets grow easily and effortlessly every day!”


    Here’s how to calculate the amount of money you’ll need at retirement: 1) Whatever you have now; plus 2) Ten million dollars.

    That sounds like enough to make you feel safe, right? Financial advisors estimate that the percentage of Americans who can actually save enough money to afford a reasonable lifestyle for 25 years without working is about 3%.

    Social Security helps—and it isn’t going bankrupt, either. Michael Hiltziks’ column in the Los Angeles Times in March of 2014, outlined the relevant facts: Life expectancy has risen since Social Security was instituted in 1935. But the difference is mostly because of improvements in infant mortality. In 1935, if you made it to age 65, an average 65-year-old man could expect to live to about 77, and a woman to 78. In 2009, the figures were 83 for men and 85 for women. That’s an extension of 6-7 years, not the decades often reported. And the payroll tax has increased from 2% at its inception to 12.4% today.

    It will be a thin retirement if that’s all you’ve got, but it certainly helps. If you continue to work part time, have your own business or start one, you can continue to earn money.

    I spoke with a 50-something man one day. He was burned out at his job and wanted to retire. But he was afraid. “I have enough money to last twenty years,” he said. “But if I live longer than that, it’s a problem.”

    Living too long is a problem? No—the problem is working too hard and burning out. The problem is too much work and not enough vacation. The problem is not having work you love.

    When was the last time you heard a movie star say, ‘I can’t wait until I have my pension funded so I can retire and stop making all these movies’? You never hear that. Because actors love their work. At ninety years old, they’re trying to convince insurance companies how healthy they are so that they can make a movie. They die onstage. They want to die working because they love their job.

    The game of richest man in the world has been won already. Bill Gates is still working. The number two richest guy, Warren Buffet, gave the number one guy all his money. He’s still going to work every day. The number thirteen guy, Sheldon Adelson, is still working, too – he has a five-year plan in place to become the number one guy. He’s 80 years old! Why bother? you might ask.

    Just for fun is the answer.

    Find work that you love doing and you won’t want to retire from it. Retire to do what? Lie on the beach? For how many days would that be interesting? You only think you want to lie on the beach because you haven’t had a good vacation. So go to Hawaii or Cabo or the Caribbean or someone’s backyard in Malibu now.

    And enjoy a latte on the beach while you’re at it.


    Low Budget Blues

    Posted on May 20th, 2015 in Uncategorized by chellie

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

    140-May 20

    “More than ever before, Americans are suffering from back problems: Back taxes, back rent, back auto payments.”—Robert Orben


    Low Budget is a useful tool for occasional use. But too often I see people with the Low Budget Blues. They’ve gotten into the habit of Low Budget. They think poor: Tighten the belt, do without, never buy new, can’t afford it, shop at garage sales, eat cheap, sleep cheap, think cheap.

    It’s great to be able to do this during a recession, a cash flow problem, between jobs, after a loss, or to save additional money for a large purchase. But too often people buy into Low Budget as if it was reality. Low Budget is a choice. When it becomes a choice for too long, it becomes a habit.

    During my rough financial times, I lived on low budget for years. All available cash went to paying off debt. Even after filing bankruptcy, there were debts I was obligated to repay, such as approximately $12,000 in taxes. Though I was not required to, I repaid the smaller businesses I owed money—my accountant, my attorney, and some personal loans from friends. I started with very small payments. Then the more money I made, the bigger debt reduction payments I made.

    It took me another four years past filing bankruptcy, but when I finally became debt-free, what a relief, what a celebration! A hundred pounds felt lifted from my shoulders. Then I realized I hadn’t a clue what I would spend money on instead of debts.

    (Continued on page 140 of The Wealthy Spirit)

    Today’s Affirmation: “I am now enjoying living on High Budget because I can afford it!”

    Living cheaply is just not my idea of the Good Life. There are some popular financial blogs that are all about making do with less. It’s a good tool in its place, but that’s not the ultimate goal, is it? It has value from time to time, but it’s like everything else in life – you can overdo it and you can underdo it. The Middle Way is always the best way.

    My friend, Nancy Sardella, of Worthwhile Referral, one of my favorite networking groups, gave this instruction in one of her marketing seminars: “Stop clipping coupons and spend that extra hour on your marketing plan!”

    Getting smaller won’t help you go big. Design your High Budget and look at that every day. Put your creative brain to work: revise your marketing plan, make another Gold Call (not cold call), write an article, post on your blog, post on Facebook, write an interesting tweet, get together with a friend and brainstorm ideas, raise your prices, add a product or service.

    Living within your means is important, but not as important as increasing your means. Go make better means today!


    Create What You Want—And on Budget, Too!

    Posted on May 18th, 2015 in Uncategorized by chellie

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

    138-May 18

    “Our Accounting Department is the office that has the little red box on the wall saying ‘In case of emergency break glass.’ And inside are two tickets to Brazil.”—Robert Orben

    As I work with people to help them reduce their financial stress, I look at the choices they’ve made that put them in a financial position that isn’t viable. One of the problems that seems endemic is the mental habit of considering only two options before making a decision. When I question people’s choices in spending, they always have an answer of the other choice they considered that was worse“I have to do X because the only other choice is to do Y, and Y is unacceptable.” This polarity keeps people from continuing to search for a better choice.

    For example, a recent client and I were trying to solve her cash flow problems. She was spending more than she was making, so we were looking for ways to cut her expenses. She was in business for herself in the medical profession and dedicated to building her practice. I suggested we needed to cut to a minimum all personal expenses while she built her business and she agreed. When I asked about her housing costs, she admitted she was paying a lot of money for her house, but it was either that “or live in a tiny $400 per month cracker box apartment.”

    “No, that isn’t the only choice!” I said and told her of my own wonderful rental situation. Her eyes lit up and she agreed she hadn’t done the creative thinking necessary to come up with other housing ideas that might have her living in a nice place that she enjoyed and yet didn’t cost a lot of money.

    Be a creative thinker! Start with a visualization of what you want in great detail. Then put the price on it that works for your current budget. Then start your detective work to find what you want at that price. Tell your friends what you’re looking for. Ask everyone you meet for ideas.

    Know that the first three answers you get will be awful. Those answers are coming from your negative programming that tells you that you can’t have what you want for the price you want to pay. Most people stop at this point and give in to the negative belief. Don’t give up! Be determined to get what you want and you will. It won’t come in the usual way and it might not look exactly like your picture, but if you are flexible and open, you will see it as a good stepping- stone in the right direction.

    There’s a lot of gray between black and white. Put some new shades in your life.

    Today’s Affirmation: “I always find exactly what I want at exactly the right price!”


    Thinking creatively, asking for what you want, and being persistent – these three things will get you a lot of what you want. It was demonstrated for me again when I headed off for a long weekend to Pechanga Indian Casino in Temecula with my friends, Shelley and Debby.

    I didn’t realize it had been over a year since I had been there, and so my free offers had expired – no free room, no coupons for $30 off the price of dinner, etc. I love my freebies so I was a little miffed that I had missed out by a mere two weeks. I called the casino marketing VIP department to see if I could wheedle my way in anyway, but no dice.

    Since there were three of us and we needed three beds, we had to either get two rooms, or spring for a suite. Shelley and I had stayed in a suite once before (for free!) and it was really nice, so we booked that (it was actually $40 less than two rooms would have cost.)

    The day we were leaving, we checked the room charges on the TV, and it was $650 for the two-night stay. At breakfast, Debby convinced me to try negotiating with VIP services again, since we’d been there for 2 days and had played a lot of poker and slots. I was a little reluctant because I had tried already, but it didn’t hurt to ask in person either, so we stopped by.

    The gal at the desk checked with the casino hosts, and they decided to give us one free night and one night at half-price! So instead of paying $650 the bill was only $275. Yay! We felt like winners!

    Create, ask, persist…and win! I know I wouldn’t have made the request on my own – I still notice my reluctance to ask for things for myself. I can make repeated calls to potential clients, because I truly believe I am calling to help them, but when it is asking for someone to give to me, I have not exercised that muscle enough. (For more information on the topic “Women Don’t Ask” see my free recording available at Cheers to Debby for not giving up!

    Honor the Warriors

    Posted on May 16th, 2015 in Uncategorized by chellie

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

    135-May 15

    “The ultimate test of man’s conscience may be his willingness to sacrifice something today for future generations whose words of thanks will not be heard.”—Gaylord Nelson


    Some of your goals may not be accomplished in your lifetime. But they are worth your effort, nonetheless. They are your gift to those that follow you. Likewise, it is important that we honor those who came before us, and gave us gifts through great sacrifices of their own. Susan B. Anthony and Elizabeth Cady Stanton worked tirelessly, all their lives, for women to have the right to vote, but died before the amendment was added to our Constitution. Were it not for them, half the citizens of the United States would have no say in our government.

    But without the early patriots, we wouldn’t have a government. I visited Philadelphia and wandered around the city, looking at all the memorials and monuments. I stood in the room where the Declaration of Independence was written and tried to imagine the warm breath of the patriots there, who created a new nation out of their best ethics and beliefs. In sweat and blood they heaved forth a tiny, mewling infant country, “conceived in liberty and dedicated to the proposition that all men are created equal.”

    A price was paid for this child of dreams, for this “government of the people, by the people, for the people.” The signers of the birth certificate of our nation faced loss of friends, family, homes, money, businesses, and lives. The debts were collected. They paid them all.

    Of all the monuments in Philadelphia, the one that touched me most, that had me in helpless tears in the middle of a bright, sunny day, was an unprepossessing bronze plaque in the center of a small park. There were no crowds gathered around it, there were no tour guides, no music; it stood alone, a silent sentinel under the limbs of a shady tree. It marked a battlefield where soldiers laid down their lives in blood and muck so that this infant country might grow and prosper. So that I might have freedom. Remember us the plaque seemed to say; we perished so that you could be free; we died so that you could vote.

    And countless thousands upon thousands lie down in their wake and spend their last breaths dying hopelessly, helplessly, courageously for me. Some do not die in their body, but die in their minds or in their souls, lose their way, lose their families, lose their faith. Others die in their memories of the horrors of war. The price for freedom continues to be paid. May God bless them all, who died and died and die again. For me.

    And for you. Honor those who came before you, who paid for your freedom. Vote. Pay your taxes. Honor those who come after you; what will you pay for them? Expand your vision. Run for office. Save the environment. Get involved.

    Today’s Affirmation: “I honor and cherish my freedom, and those who provided it for me.”

    A couple of years ago, I was invited to the Los Angeles premier of a new movie “The People v. The State of Illusion” I highly recommend it! Written and directed by Austin Vickers, with commentary by many well-respected scientists and thought leaders, it illustrates, through the story of a man imprisoned for manslaughter, how our perceptions are conditioned by habits of mind and behavior. When we open ourselves to see beyond our limited conditioned perspective, our reality shifts to meet our new awareness. As the story progresses, you can see how the prison of his mind created his physical prison, with the scientific explanation for exactly how that occurs.

    Yes, I was already aware that what we focus on is what we create, but I had new realizations as I listened to the evidence presented in this film. I had been thinking about my Financial Stress Reduction® workshops lately, and wondering exactly why they produced the extraordinary results for people that they do. A friend of mine who had taken the class years ago was at the screening and introduced me to a friend of hers, saying, “I made $30,000 the first month I took her class!” Again I wondered, how does that happen? What it is specifically about the class that works?

    I found the answer watching the film. Every step of the way during the 8-week course, people are encouraged, through reflection, visualization, and action, to shift their perception of their financial and personal reality. As they open themselves to new ideas and take new actions, they produce different results. Their focus changes from looking at the problem and blaming themselves for what’s wrong, to looking at the solution and congratulating themselves for all that’s right. When that is reinforced every week, and they get another new perspective, and take another new action, it produces another better result. More money, better relationships, more time off, more fun.

    Intuitively, I constructed this class 23 years ago according to this model. I was consciously aware of some of it; some was learned, some was impressed upon me subconsciously by my own upbringing. But I can only facilitate the process during the course – attendees have to embrace it. Those that are ready to live a more abundant life take the risk to enroll in the class to begin with. In a positive review of the film, Scientific American said, “One we open our eyes, we should also be willing to take risks. To achieve success, people need to say yes to the unknown, and embrace the discomfort of unsafe territory.”

    If you try, you have a 50-50 shot at success. If you don’t try, you have a 0 chance of success. Which would you rather have?



    Forgive Us Our Debts

    Posted on May 15th, 2015 in Uncategorized by chellie

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

    136-May 16

    “If you think nobody cares if you’re alive, try missing a couple of car payments.”—Unknown

    I know what it’s like to be unable to pay your bills. In fact, things once got so bad for me that I filed bankruptcy.

    I had been on top of the world. My bookkeeping service had doubled every year and was now generating approximately $450,000 per year. I had twelve employees and a beautiful new office suite. But I had one major client who accounted for 75 percent of my income, and when they left with a mere two weeks notice, disaster loomed. Since I was absolutely strapped for cash, having been left with many financial obligations and no current means of paying for them, I borrowed $50,000 on credit cards.

    Five years later, I had faithfully paid the minimum balances every month, but by then I had the habit of using credit cards whenever cash flow dipped. Compound interest ate me alive. By this time, I owed $80,000. Then my chief bookkeeper quit and decided to go into business for herself. A lot of my clients went with her. My ex-business partners asked when I was going to pay them for the purchase of the company. I tried to sell the condominium I purchased at the top of the real estate market in 1987, but its value had plummeted and I owed approximately $30,000 more than it was worth. It didn’t matter; I couldn’t find a buyer at any price. I could no longer pay my current bills, let alone my debts. The barrage of telephone calls from creditors was non-stop. So were my stress, anxiety, and tears.

    A dear friend sent me to a bankruptcy specialist who exclaimed, “The bankruptcy laws were written for people like you!” He showed me that there was a way out, a path to forgiveness of my debts under the law, a new beginning for me after this failure. He pointed out that business involved risk, and that sometimes when you risk, you lose. The average millionaire files bankruptcy 3.5 times, he told me, and I was in some good company, with people such as Walt Disney, Donald Trump, Wayne Newton, Mark Victor Hansen, and R.H. Macy, founder of Macy’s department stores, who filed bankruptcy seven times before he was successful.

    I filed. The credit card debt went up in smoke as though it had never been. The tension eked out of my body as I started to relax and breathe again. Of course, my credit was now a black smudge of ashes. But, after all, what did I need credit for? Only to borrow money, and that was what got me in trouble in the first place. I needed to learn to live without borrowing, just as I learned to live without drinking.

    If you have ever stood in bankruptcy court and admitted your powerlessness over debt, forgive yourself and learn from the experience. If you have never had to do this, have compassion for those who have.

    Today’s Affirmation: “Forgive us our debts as we forgive our debtors.”


    I do believe that I had to go through this experience in order to be able to teach others. When you try to teach from a place of never having made a mistake, or never having known loss or humiliation, you can never reach people on that gut emotional level where they know what you say is true because you lived it. I put myself back in my own Financial Stress Reduction workshop, and life steadily improved. I can tell you there is always hope, and life with bring its rewards to you again. Because I know.

    The Camel and the Eye of the Needle

    Posted on May 14th, 2015 in Uncategorized by chellie
    Traveling buddies in Greece

    Traveling buddies in Greece

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

    134-May 14

     “No one would remember the Good Samaritan if he only had good intentions. He had money as well.”—Margaret Thatcher


    When I started thinking about become a prosperous person, I hit a stumbling block. There was a quote from the Bible that worried me for a long time: “It’s easier for a camel to pass through the eye of the needle than for a rich man to get into heaven.” (I thought for a while it didn’t say rich woman, but somehow I knew that qualification wasn’t going to fly.) I wanted to be a rich person, but I wanted to be a good person and hopefully go to heaven, too. How was I going to do both? I knew that, as a spiritual person, if I felt that money was going to corrupt me, I wasn’t going to allow it into my life. And for years, I didn’t.

    Then, one evening, I happened across a television program that featured several religious scholars examining some Biblical statements, taking into account the geography, culture and the era in which it was written. I heard one scholar mention the above quotation and comment that most people misunderstood it. He said that people thought that the needle mentioned was a common sewing needle and therefore, of course, it was impossible for a camel to get through it’s eye. But this scholar laughed and said that “The Eye of the Needle” was the name of a gate in the wall of Jerusalem. And a camel could easily get through it—a moderately laden camel, that is, not a heavily laden camel. This changes the entire message. To me, this suggests that the lesson was only an admonishment to be balanced about wealth, and not overdo it to the point of overburdening your camel!

    Leo J. Fishbeck, in his book Sing Your Song For All You’re Worth states “A careful study of the Bible, particularly the Old Testament, reveals that the people who were considered to be the most spiritual, those who were the great contributors to enlightened thinking, the most highly regarded, were usually very wealthy people—millionaires by our standards. As we read about their many accomplishments we find that, usually, the account ends with the statement, ‘And he was favored by God.’ According to the ancient authors of the Scriptures, there must be a connection between prosperity and Spirituality.”

    Money is a neutral. It will not corrupt you—only your use of it will. The choice to use money for good is always available to you. It is the wealthy who set up charitable foundations, endow hospitals, establish scholarships, promote art, literature, theater, etc. Ted Turner donated one billion dollars to the United Nations. Bill and Melinda Gates funded a charitable foundation with more than twenty billion dollars. You can’t do things like that if you’re broke.

    Examine your old beliefs. Are they facts—or just opinions? Are they refutable? Investigate. If they aren’t producing good things in your life, replace them with better thoughts.

    Today’s Affirmation: “The perfect order of the Universe is abundance for everyone—including me!”



    The First Three Things Lottery Winners Do

    Posted on May 13th, 2015 in Uncategorized by chellie

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

    133-May 13

    “I’ve been rich and I’ve been poor. Rich is better.”—Sophie Tucker


    Your wildest dreams come true: You pick the winning numbers in the lottery and suddenly you are a millionaire!

    Now what? What do you do first?

    There was a study several years ago that determined the top three things that most winners did—and nearly 90 percent did all of these three things. I will list them for you in reverse order, a la David Letterman:

    #3. They buy a new car.

    #2. They take a trip. If they were married with children, they go to Walt Disney World in Florida. If they are married without children or single, they go to Hawaii.

    #1. The very first thing they all do is say, “This isn’t going to change me.”

    That one fearful statement, “This isn’t going to change me,” rang in my consciousness like a clarion call. To me, this is stark evidence that most people have a negative picture of what having money will do to them. Many people in our society grow up with the idea that “dirty money” or “filthy lucre” will somehow corrupt them—that they will become arrogant or miserly and lose all their friends. A nationwide study conducted by the AARP in 2000 showed that the majority of people believed that “lots of money makes people greedy and insensitive.” How are you going to let money in your life if you think having it will make you a bad person? Doesn’t it make sense that if you thought money was a powerful force for good and that having an abundance of money would mean you could make large contributions to worthy causes, that a lottery winner would say instead, “This is really going to change me for the better”?

    If you think that having a lot of money will make you a bad person, your internal sense of integrity is probably not going to allow it into your life. You need to change your attitude about having money and being rich if you want more abundance in your life. Make a list of positive things you would do with money if you were wealthy. Why not decide that money will make you a better person?

    Today’s Affirmation: “The more money I get, the more money I share.”

    My new book “From Worry to Wealthy: A Woman’s Guide to Financial Success Without the Stress” is still selling well and I have 18 positive reviews so far. I love the cover created by my publisher, Sourcebooks – their creative team did a great job, and I just love it! Let me know what you think!



    You Won the Lottery!…Now What?

    Posted on May 12th, 2015 in Uncategorized by chellie
    Bobbi, Shelley, and me at Villa d'Este outside Rome

    Bobbi, Shelley, and me at Villa d’Este outside Rome

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

    132-May 12

    “What you love is as unique to you as your fingerprints. You need to know that because nothing will make you really happy but doing what you love.”—Barbara Sher


    We’ve all had the fantasy of winning big. It takes many forms: Winning the lottery, winning the multi-million-dollar jackpot in the Megabucks slot machine, getting discovered and becoming a movie star, selling your screenplay for millions of dollars, writing The Great American Novel, buying the stock that leaps in value making you a billionaire, inventing the next big thing that everyone buys.

    You visualize the celebration, the adrenaline rush, the happiness you share with your friends and family. You see the new house, the new car, the vacation trips you’ve always wanted. Shopping sprees dance in your mind—you can have anything you want! You buy it all.

    And then? What?

    What do you visualize yourself doing after you become wealthy? Lying around on the beach all day? For how many days would that be interesting? When anyone tells me that, I know I’m talking to a person who either hates their job or hasn’t had enough vacation. As a creative being with talents and abilities beyond loafing and consuming, you have to do something that gives your life meaning and purpose. Go find a job doing that now…or create one. You don’t have to wait until you’re rich—this is the way you become rich.

    Years ago, Paul McCartney came to Los Angeles with his band as part of his world tour. A particular quote from the program impressed me. He said, “People ask me, ‘Why d’you do it? Why bother with the distractions? You’re rich.’ Cos I think everyone’s little dream, certainly mine when I was at school was, what you’ll do is get a lot of money and then you’ll go off on holiday forever. Just go off on a boat. But when you grow up you realize it doesn’t work. A year of holidays, maybe, is dead funny and a great groove. But after a year you think, what do I do in life again? Sail around the world in boats? Surely not…I know that after a year I’d start to wonder. I’d pick up a guitar.”

    Act as if you already won the lottery last year. Now go do what you love.

    Today’s Affirmation: “I am a winner in the lottery of life!”


    I am a big proponent of little long-weekend holidays. Taking big long 2-3 week vacations are lovely once in a while, but I must have my regular jaunts away for four days on a regular basis. I recharge my batteries, have a change of scene, having nothing scheduled that I have to show up for, have congenial friends with me, and activities I love. Can’t wait!

    When I go away for a bit, I  gather new material while I’m living life, having fun, playing poker, enjoying some free time, seeing friends and family, and being a “human being” instead of a “human doing”.

    Enjoy your week, darling dolphins, and make some plans for a getaway yourself. You need to have “I can hardly waits!” in your life, even if you haven’t won the lottery yet.

    Show Me the Money!

    Posted on May 11th, 2015 in Uncategorized by chellie

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

    131-May 11

    “The world isn’t interested in the storms you encountered, but whether or not you brought in the ship.”—Raul Armesto


    “Show me the money!” is that great expression from the movie Jerry Maguire. Cuba Gooding, Jr. plays a football player who keeps asking Tom Cruise as his agent to get him a multi-million dollar contract. He was enthusiastic, positive, and powerful and single-mindedly devoted to his purpose. He got the money.


    Business is like a football game and money is the scorecard. A good business may have many goals, but the primary goal of making money must be achieved or it won’t be in business for long. Just as the players in a football game need to know the score in order to know whether to run for a touchdown or kick a field goal, a business owner must know the money score at all times to ensure the success of the business. It’s helpful if all the players on the team know the score, too, and not just the quarterback!

    (Continued on page 131 of The Wealthy Spirit)

    Today’s Affirmation: “I’m scoring touchdowns in the game of life today!”


    A friend sent me this internet notice last year and I was moved to share it. In a democracy, we must all take responsibility for tweaking politics when they seem to get off the beam. It seems to me that money is playing a bigger part in out government than ever before, as politicians become more concerned with fund-raising in order to keep their jobs than they are in helping the people who elected them keep theirs. JMHO.

    The Constitution is not an instrument for the government to restrain the people, it is an instrument for the people to restrain the government – lest it come to dominate our lives and interests”. – Patrick Henry 
    The 26th amendment (granting the right to vote for 18 year-olds) took only 3 months & 8 days to be ratified!  Why?  Simple!  The people  demanded it.  That was in 1971…before computers, before e-mail, before cell phones, etc. 

    Of  the 27 amendments to the Constitution, seven (7) took 1 year or less to become the law of the  land…all because of public pressure. 

    I’m asking each addressee to forward this email to a minimum of twenty people on their address list;  in turn ask each of those to do likewise. 

    In three days, most people in The United States of America will have the message.  This is one idea that really should be passed around. 

    Congressional Reform Act of  2011 

    1.   No Tenure / No  Pension. 
    A  Congressman collects a salary while in office and receives no pay when they are out of office. 

    2.   Congress (past, present & future) participates in Social Security. 
    All funds in the Congressional retirement fund move to the Social Security system immediately.  All  future funds flow into the Social Security system, and Congress participates with the American people.  It may not be used for any other purpose.

    3. Congress can purchase their own retirement plan, just as all Americans do. 

    4. Congress will no longer vote themselves a pay raise.  Congressional pay will rise by the lower of CPI or 3%. 

    5. Congress loses their current health care system and participates in the same health care system as the American people. 

    6. Congress must equally abide by all laws they impose on the American people. 

    7. All contracts with past and present Congressmen are void effective 1/1/12. 
    The American people did not make this contract with Congressmen.  Congressmen made all these contracts for themselves.   Serving in Congress is an honor, not a career.  The  Founding Fathers envisioned citizen legislators, so ours should serve their term(s), then go home and back to work. 

    What do you think?



    Posted on May 9th, 2015 in Uncategorized by chellie
    Great Grandpa Mark, Granddaughter Marissa, and Greatgrandbaby Derek

    Great Grandpa Mark, Granddaughter Marissa, and Greatgrandbaby Derek

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

    129-May 9

    “I forgive myself for having believed for so long that I was never good enough to have, get, be what I wanted.”—Ceanne DeRohan


    From the moment of birth, our programming starts. Our parents tell us things over and over as we grow. We inculcate their opinions, beliefs, and emotions until they are almost ritualized. Like Pavlov’s dog, we salivate when the bell rings, whether or not there is food on the table. A look, a word, trigger automatic response. We don’t choose our response; it is programmed. The word is spoken or the body tenses or the angry look pierces us, and the CD goes in the slot and the record plays. We are unconscious; therefore we are helpless. We are our programming.


    As we grow, we begin to learn that we can change the programming. We can put on a different CD. The search begins for the recording we want to hear. We go to college, seminars, psychotherapists; we read and study books, we discuss our search with groups of like-minded friends. We try out different CDs.

    But if we don’t give the new programming enough repetition, enough time, we fail to overcome the original input. The original CD may be harsh, loud, out-of-tune, and play with a constant boom and thud in the background, like a neighbor’s over-amplified bass blaring their rock music. We give up in despair, surrendering to the thought “I was born this way. I can’t change. It’s just the way I am.”

    Have faith! You will succeed. Newly programmed thoughts take time to marinate throughout your being. Habits are changed over time, with attention paid; consistent application of the new process, constant playing of the new CD will have its end result in new thoughts, new actions and new results.


    In the play Ondine by Jean Giradoux, the title character—a water nymph—has been betrayed by her human husband, Hans. Their doom is that he shall die, and she will return to the sea and forget him. But Ondine tells him that she will not forget; she has taken her precautions: “You used to laugh at me when I made the same movements in your house. You said I counted my steps. It was true. It was because I always knew the day would come when I would have to go back. And now, in the depths of the Rhine or the ocean, without knowing why, I shall go on making the same movements that I made when I lived with you. When I plunge to the bottom, I shall be going to the cellar. When I rise to the surface, I shall be going to the attic. In this way, I shall be true to you always.”

    You, too, are being true to a pattern, a habit of thought and movement. The one you were programmed with—or the one you chose. Which CD are you playing?

    Today’s Affirmation: “I choose to be rich and happy and all my actions are in harmony with my choice.”

    Top Ten Ways to be Happy at Work

    1. Choose Dolphins as Partners, Clients, Employees

    – it’s impossible to be happy when surrounded by angry, whiney, complaining people

    2. Don’t Overwhelm Yourself with Too Many Projects

    – you can’t really be happy if you’re tired

    3. Grow Rich in a Niche

    – pick the number one thing you like doing and become known for that, not 20 things

    4. Know Your Limitations

    – not everyone has to be number one; smaller can be happier

    5. Decide That You’re Already Happy and Confirm it Daily

    – happiness follows the decision, not vice versa

    6. Live Within Your Means or Create Better Means

    – millionaires have gone broke, so make sure you know how to budget

    7. Watch the News Only in Small Doses

    – if it’s on TV, it’s going to be 90% negative and depressing

    8. Love People in Large Doses

    – people are like thirsty plants – water them

    9. Have a Passionate Hobby and Make Time for It

    – enthusiastically participate in an activity that is separate from your daily work routine

    10. Have a Passionate Life and Make Time for It

    – have adventures, opinions, feasts, revels, dances, games, music!

    I wish you a very happy day today and every day!