The Wealthy Spirit Insider

    The Leopard Slippers

    Posted on June 29th, 2014 in The Wealthy Spirit by chellie

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

    180-June 29

    “It takes two flints to make a fire.”—Louisa May Alcott

    Betty, a retail seller of miscellaneous goods, approached me at the networking meeting. Knowing I like animal prints, she was always on the lookout for the next leopard-zebra-furry gizmo to sell me. “I just got in these great leopard slippers—they’d look perfect on you!” she sang. “I’ll take them!” I sang back. Great transaction so far. Betty knew what I liked and looked out for me—I felt special and very well served as a customer. Then it went downhill.

    “Can you come over and pick them up?” she said. Well, she lived on the other side of town and in Los Angeles that means a major drive. I didn’t want to spend over two hours round trip to go get them, so I asked her if she was going to be at the next networking meeting. Frowning, she said, “Yeah, but I don’t know if I can remember to bring them.” I suggested she put them in her car when she got home and I’d remember to ask her for them. Then she said, “Yeah, but there’s no room in my car.” “Okay, mail them to me.” “Oh, that’s so much trouble.” That was all the help I was going to give her to help her sell me slippers. I said, “Well, Betty, if you find a way to get the slippers to me, I’ll buy them.”

    What a pity! A transaction that had begun happily and prosperously for all concerned ended with two people dissatisfied and thinking the other was being difficult. Upon reflection, I think we each thought we were doing the other a favor. She had taken time to look out for something I might like and the slippers were the result of her thoughtfulness. She expected more appreciation from me, and therefore thought that I would be glad to go out of my way to solve the delivery problem. I thought I was contributing to her prosperity by giving her an easy sale and expected her to take responsibility for delivery. The bottom line was neither of us was committed enough to the end result to be willing to be inconvenienced.

    We laughed about this later, and both acknowledged the importance of service, completion, and follow-though in every transaction, no matter how small. Every business depends on customer loyalty, satisfaction, and good will. Even the smallest thing can damage it. Preserve it at all costs.

    Today’s Affirmation: “All my relationships are joyful and prosperous!”

    On May 26, I wrote about the leopard comforter I that I had bought on sale at Macy’s years ago. I held on to that leopard comforter for years. I got my full value out of it, I’ll tell you. But the day came when it was just a little too frayed around the edges, and its day was done.

    My roommate, Shelley, had searched for a comforter and not found anything she liked. But one afternoon a while ago, we were going through the shops in Old Town Temecula, and happened across a quilting store. Shelley saw many sample quilts around the store that she really liked, but none that were full-sized or for sale, because this was a store for quilting hobbyists.

    Shelley was undeterred. She found a quilt she liked and asked the woman at the desk if someone could make it for her. She was directed to Kerry Smith, who agreed to make her one to fit her bed. We had a great time pulling out pretty patterned fabrics and designing a beautiful patchwork of colors. Several weeks later, Shelley had a gorgeous new quilt, and I started thinking perhaps I would have one made for myself, too.

    So when Shelley, our friend Debby, and I went down to Pechanga, the Indian Casino in Temecula, we stopped by the quilt store again. And there hanging on the wall, was a gorgeous quilt in blacks, browns, and golds with birds as the centerpiece. I fell in love. And as fate would have it, Kerry was there!

    “Kerry,” I cooed, “would you like another quilt commission?”

    She laughed and said, “Sure. What did you have in mind?”

    I pointed to the bird quilt and said, “I want one like that!”

    After negotiating the price and choosing some gorgeous fabrics, I happily paid a deposit and waited breathlessly for my beautiful, hand-made, wonderful quilt and matching shams and pillow to arrive. It wasn’t long before I was cheerfully making up my new, beautiful bed!

    My beautiful new quilt!

    There’s something wonderful about saving up for a purchase and being filled with delightful anticipation when it’s about to arrive. Now I savor my beautiful new quilt that gives me great pleasure every time I see it. It’s a “pleasure purchase” – make sure to have some of these in your life – just for the joy it gives you! You deserve it!

    Going Shopping vs. Going Spending

    Posted on June 27th, 2014 in The Wealthy Spirit by chellie

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

    178-June 27

    “To pretend to satisfy one’s desire by possession is like using straw to put out a fire.”—Chinese Proverb

    A major “Money Malady” is “spending bulimia,” which is a habit pattern of buying things out of impulse, without regard to chosen spending priorities. For some, the buying habit is a quick fix to emotionally lift their spirits—it’s fun to buy a new outfit, a new golf club, or a new car and then have the satisfaction of the complimentary “oohs” and “ahhs” from other people. Some buy presents for others as a way of buying love, the emotional high is seeing someone else excited over a new toy and being grateful for the gift and the gift-giver. Other people are on the spending cycle because they are used to it and haven’t thought of another hobby—going to the mall has become a national pastime.

    Unfortunately, the quick fix doesn’t last long. You’re high on the purchase for maybe one day, and high on the compliments for another day. Then you’ve got to start all over again, buying something else to get another fix.

    I believe in replacement therapy—if you’ve developed a bad habit, it’s easier to replace it with another habit that is good than to just stop doing the bad habit. So instead of telling people they can’t go shopping, I tell them they can go shopping—they just can’t go spending. For example, you want to go to the mall. Great! Go—but leave all your cash, checks and credit cards at home. You take a tablet and a pen with you and as you shop, you write down all the things you’d like to buy and their price tags. It’s really quite fun, because money is no object—you’re just shopping, not buying. You still have the enjoyment of looking at all the wonderful toys and beautiful things—like when you go to a great exhibit or museum. When you get home, total up all the prices of the items you would have bought and congratulate yourself—“I saved $40,000 today!”

    (Continued on page 178 of The Wealthy Spirit)

    Today’s Affirmation: “I have all the riches I desire right now!”

    A friend was visiting my roommate and parked in the driveway, so I just parked my car on the street. I thought I’d move the car into the garage after she left, but I forgot about it.

    Imagine my dismay when I went to get in my car the next morning and there was a big fat dent on the driver’s side door. Someone had hit me and didn’t leave a note. Boo hiss! I’m insured for these things of course, but it cost me the $500 deductible plus a car rental and I was a little grumpy about that.

    My insurance company, 21st Century, was bought out a while back by Farmers. I haven’t noticed any change in service, until I called to report this accident and got a call center. Sigh. The young man on the phone was doing the best he could, but he was just reading his script, you know what I mean? At one point I asked him a question and he just kept reading. I had to yell into the phone 3 times before he stopped and asked me if I had a question. So frustrating. Particularly because the employees I used to talk with at the old company were friendly and fun and could have a real conversation, just like a human being. I miss that…

    So, I went down to the body shop I have used before, even though the call center guy tried to steer me to someone else. James at Martin Cadillac’s body shop was terrific and took care of all the paperwork while I went across the parking lot to the car rental office. The guy there said they didn’t have many cars available, and the best he could do was an SUV for $59 per day. That was just too much in my opinion, since it was going to be 5 days before I got my car back and that’s $300 more out of my pocket. I said, “I’d really like something for $30 a day” and he said he couldn’t do it. I said, “Then never mind, thanks,” and went back to James to take my car back.

    James is smart. He was already on the phone with the car rental guy trying to get him to negotiate the rate on the SUV. He wasn’t getting anywhere, so he said, “She wants to pay $30 per day, so give it to her for that. I’ll pay the difference,” and made the deal.

    I smiled at him and said, “You’re a smart cookie, James.”

    He smiled back and said, “Some people just don’t get it. We’ve got business here and he’s got a bunch of cars sitting on the lot unrented. So you make a deal and everybody wins!”

    Found myself a Dolphin in the auto body shop. Think I’ll ever go anywhere else? Think I’ll recommend them every chance I get?

    In poker, they call this “implied odds” – the value you expect to receive on your action after the initial bet. In life, it’s the value of customer retention – you give a little bit of money up now, but you get a customer for life and the thousands of dollars of business that represents.

    Where can you apply this in your life today?

    Home Ownership

    Posted on June 24th, 2014 in The Wealthy Spirit by chellie


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

    175-June 24

    “The first payment is what made us think we were prosperous, and the other nineteen is what showed us we were broke.”—Will Rogers

    Owning your own home is one of the American Dreams. But it seems to me that many people scrimp and save to buy a home and then are “house poor”—they can’t go anywhere or do anything because all their available income is going to pay their mortgage! In Rich Dad, Poor Dad, Robert Kiyosaki states he doesn’t even consider a home an asset. He says it’s because there are so many other attendant expenses that go with home ownership that it is a drain on most people’s income. It is a liability that “takes money out of your pocket” rather than an asset that “puts.” During recessions, we all know it is possible to lose money in real estate—it’s not a slam-dunk investment.

    (Continued on page 175 of The Wealthy Spirit)

    Today’s Affirmation: “I appreciate all my appreciating assets!”

    This page is a big prophetic, since so many people have suffered in the housing bubble of the Great Recession. I feel so badly for everyone who lost their homes to foreclosure since they were under-water and owed more on the home than they could sell it for. Sure, some people did “liar loans” and were allowed to borrow more on the home at a bargain adjustable interest rate for a couple of years. They were gambling that housing prices would continue to go up and they’d make money on the investment and be able to refinance later because their homes would be worth more.

    But when housing prices sank, they were caught with a losing investment and a loan they couldn’t pay. That’s the downside of the gamble. There is no slam-dunk investment where you get fabulous returns and make a fortune without risking this kind of a downside. You can take the slow and steady course and just buy interest-bearing bonds or CDs or other safe savings accounts. You won’t make much money, but your capital will be safe. Right now, that’s looking like a good choice.

    To really get ahead, you have to make riskier investments with the chance you’ll lose some of your capital. There’s the rub.

    What’s important to remember is that you aren’t doomed if you made a bad investment. Even if you lost everything, this is the land of opportunity and you can try again and do better next time. That’s why it’s a good idea to spread the risk and have a portfolio of many different kinds of investments – some risky and some safe. Don’t put all your eggs in one basket as the saying goes.

    But if you do, and all your eggs break, clean off the basket and start collecting more eggs!

    Rewarding Investments

    Posted on June 23rd, 2014 in The Wealthy Spirit by chellie

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

    174-June 23

    “Inflation is the crabgrass in your savings.”—Robert Orben

    Anne Farrelly, a financial planner in Los Angeles and author of Invest Without Stress gave me some figures years ago regarding particular investments:

    If you had invested $10,000 on December 31, 1979 in the following companies, this is the amount of money you would have earned from that investment by December 31, 1989—just ten years later:

    Neutrogena $286,000
    MCI $294,000
    The Gap $355,000
    Wal Mart $530,000
    The Limited $615,000
    Circuit City $810,000

    This is very good money to be making while you’re sleeping.

    Ann went on to say that during the same period, if you had made a $5,000 investment in Growth Fund of America on the worst possible day of each year (buying in at the highest price of the year) for the past fifteen years for a total investment of $75,000, the investment would have grown to $325,890. The key point is that investing—even at the wrong time—is better than not investing and sitting on the sidelines, waiting for the “perfect” time.

    In the nineties, the stock market had the biggest boom ever. The Dow Jones Industrial Average went from the 3,000 range to over 10,000. Lots of money was made during that period of time, even if some of it was lost when the technology bubble burst in 1999 and the next downturn began. Cumulatively, over the long haul, the stock market goes up.

    So what do you invest in? Financial advisors recommend having a varied portfolio of stocks, bonds, mutual funds, real estate, etc., in order to mitigate your risk (otherwise known as “hedging your bets”). When investing some funds in a single stock, pick a company whose business you know well and whose future prospects look particularly good to you. For example, my brother-in-law, Dick, had some extra funds he wanted to invest. He had noticed that the local Cheesecake Factory, where he often went for dinner, was always busy. The food was delicious, the service was exceptional, and they seemed to be successful. He did some research on their financials and their growth pattern, and decided this was a company he wanted to invest in. Over the next few years, he quadrupled his money.

    You can’t win if you don’t play the game. But I suggest you get a coach.

    Today’s Affirmation: “All my investments pay me handsome rewards.”

    The financial markets have been more turbulent since these statistics, and everyone lost money when the Great Recession hit Wall Street in 2008. But they were just paper losses. I held on through the gyrations and although I had the same 30-40% losses so many others had, I held on and stayed put and all my money magically reappeared.
    Here’s a great article about judging “reality” from my friend and fellow coach, Sharon Rich, who joins us as my Guest Blogger today:

    Inspired to Succeed: None So Blind As Those Who Focus on Reality

    A vice president in a health care organization sees the problems caused by upper management as unsolvable.
    She thinks she is just being realistic. She feels powerless to make any changes and fears that she will lose her job if she speaks the truth. She is paralyzed and feels her only option is to tolerate or leave. She doesn’t even consider the potential opportunities that might become available to her in identifying and addressing these challenges head-on.

    The president of a digital marketing company believes that “no one has money to spend right now.” He can find plenty of evidence to support this reality, in the media and from his own personal experience in reaching out to companies for new business who have said “This is not the time.” This belief combined with his fear of rejection and failure is actually preventing him from being able to find and target companies who are growing and profitable and in need of her services.

    The head of a PR agency focuses on the likelihood of losing a client if she asks for fair compensation in today’s recessed economy. Not wanting to fight reality, she charges less than she knows she needs and is struggling to make a living. She doesn’t see the potential of winning the client over by making a strong value proposition.

    Every business (and life) situation has BOTH challenge and potential. When we focus exclusively on what’s lacking, what’s not working or what might go wrong, we miss the wealth of opportunities that surround us. When we focus too much on “reality” (meaning fear), we become blind to possibilities that could turn our situation around far faster than we could even imagine.

    A critical leadership best practice is while remaining aware of the challenges, keep your focus on the potential. Form a vision for a better way and let that guide your thinking, decisions and actions. Be a little (or a lot) unrealistic. Dare to believe that things could be much much better. And then put your focus on making it so.

    Where are fear, frustration or lack keeping you from seeing the opportunities right in front of you?

    Ask yourself if you’re being driven by wanting (it may feel like needing) control, safety, approval, separation or connection. Be brutally honest.

    Get coaching support in shifting from reacting to these blinding wants to activating the creativity of what’s possible. Your success depends on it.

    Sharon Rich is the founder and Chief Growth Engineer at Leadership Incorporated. She works with smart ambitious leaders in smart ambitious organizations of $5-50M who are committed to growing the business. Her clients have a strong sense of purpose, yet aren’t making progress on critical high value initiatives. Sharon gets them clear, unstuck and achieving their objectives with confidence.

    New Projects

    Posted on June 21st, 2014 in The Wealthy Spirit by chellie

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

    172-June 21

    “I never did a day’s work in my life. It was all fun.”—Thomas Edison


    When requested to fit a new project into my calendar, I ask myself these three questions:

    1. Is it going to do a lot of good?
    2. Is it going to be a lot of fun?
    3. Is it going to make me a lot of money?

    This is the first test, and at least two out of three answers must be yes.

    Then I ask two more questions:

    1. Is it going to take a lot of work?
    2. Is it going to take a lot of time?

    Hopefully, the answers to these questions are no. If they are yes, I have a final question:

    1. Is it worth doing anyway?

    If the answer to that is yes, I do it.

    Today’s Affirmation: “I do a lot of good. I make a lot of money. I have a lot of fun.”


    “Girls just want to have fun…” goes the Cindi Lauper song. Boys, too, I should imagine. I certainly do.

    When it come to accumulating assets or accumulating experiences, I fall decidedly on the side of experiences. I want to have fun now; I don’t want to sludge at a job I hate waiting for the day I retire to live free and love my life. Besides, statistically, 29% of people don’t make it to age 65. And after retiring at age 65, 33% of those people are dead within two years.

    Kind of makes you think, doesn’t it?

    I want to have fun now. I want to live free now. I want to travel and love my life now.

    Traveling buddies in Greece

    You have to figure out what work/life balance you want. Is it okay with you to have less stuff and more memories?

    I’d much rather travel and remember the wonderful time I had than buy another stock or bond. (I can hear the groan of a thousand Financial planners across the land as they read that. Hee.)

    I’d rather invest in stocks and bonds than buy a house with a big mortgage that I have to serve. With other investments, I can buy more when business is good and less when there’s a lull like the Great Recession. (Now the groans come from Real Estate agents.)

    Owning a house is great, and having investments is great, too. You just might want to balance it all so that you get some time off and some great vacations, too.

    That’s Financial Stress Reduction®!

    If you know someone who could be making a lot more money, a healthier profit, whose work shouldn’t be so all-consuming or so hard, then the Financial Stress Reduction® Telecourse may be just the guidance, support, and help they’re looking for. For more than 20 years, I have been helping small business owners make huge leaps in their income and enjoy fabulous success and prosperity. Details at then call Chellie for your discount coupon at 310-476-1622.

    Choosing the Right Goal

    Posted on June 20th, 2014 in The Wealthy Spirit by chellie

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

    171-June 20

    “Life is lived on the road—not at the inn.”—Spanish proverb


    Many people have asked me how to choose the right goals. Or they anxiously cry that they don’t know what they want. I tell them, “Your best guess for today will do.” It doesn’t have to be the right goal, the best, brightest or perfect goal. Any old goal will do. Its purpose is to get you out on the road experiencing life. Once you’re on the road, anything can happen.

    It’s like you’re sitting in your car in Dallas, Texas, wondering whether you want to drive to New York or San Francisco. You can sit there for years, asking passersby which city they like best, collecting conflicting recommendations. You can send away for brochures from travel agencies and chambers of commerce, you can search the Internet for answers to your questions: How many people live there? What are they like? Will they like me? What’s the weather like? Will I be able to stand the heat, the cold, the rain, the sun, the crowds, the isolation, the fear? Will I be happy there? Will I be loved?

    There is no way to answer these questions without putting the pedal to the metal and driving to one city or the other and finding out in real life and real time, instead of endlessly perusing your mental images of what might happen. Ultimately, you must go. Or you will grow old and die in that car without ever having been anywhere, inertia and fear your only companions. And on your tombstone, your epitaph will read: “Born—Waited—Died.”
    But if you go, what adventures await you! You will experience Life at first hand; its richness, its vastness, the high roads, and rocky roads; your chance for heart-pounding joy will be paid for with heart-wrenching tears, but you will know you are alive, alive, alive! Panting and sweating and anxious sometimes—there are brigands on the highway—but success awaits you at the top of the hill with moments of radiance and complete love.

    So choose New York—or San Francisco—it doesn’t matter. Just get going! You will find out when you get there if New York was the right choice. If it was, great; if not, move on to San Francisco. But it’s just as likely that on the drive to New York, as you pass through Nashville, you decide that Nashville is a pretty cool place. And you could decide to live your life, completely happy, in Nashville—a town that wasn’t even your planned destination. That is the magic of goals—they get you places you would never have gone if you hadn’t had them.

    Life is lived on the road. You pick your goal, you choose your destination—and Life takes over. Put your pedal to the metal and drive!

    Today’s Affirmation: “My best guess for today is my best plan for today!”Kate Phillips of Total Wealth Coaching wrote a heart-wrenching blog post “When Money Becomes a Life or Death Matter”. It is the story of her “Aunt Faye” who was living beyond her means taking luxury cruises. When she couldn’t afford to do them any more, she took one last cruise…and jumped overboard. You can read it here http://

    I wrote her this comment in response:

    Oh, Kate, what a sad story. Thank you for sharing it so that hopefully, some others will be helped. Addiction is powerful, and many addicts die if they can’t get their drug of choice, be it cruises, or alcohol, or sex, or gambling, or shopping, or football, or whatever. Anything at all done to excess where it starts to be harmful to your overall well-being is an addiction.

    I think it is particularly difficult in this day of hyper-interconnectivity, to maintain a reasonable idea of what lifestyle is possible for yourself. Television families live quite well-to-do lives, we hear about celebrities and their fabulous riches, multi-million-dollar homes, and glorious vacations to exotic locations, and we can’t help but want that, too. We have to have a spiritual center that gives value and meaning to love, service, kindness, caring, fellowship, and spirit, but those things are not present in most of the mainstream media that we are bombarded with every day. I think one of the reasons Oprah was so successful is that she was grounded in these principles and focused her show around them and her wealth flowed from that. I hope that she is able to bring this to her cable network, and that someone else picks up the torch on network TV.

    Thanks for the wonderful work you are doing in the world to help people with their financial issues and so that “living in abundance” becomes something people can do without overindulging in the glamour of cruises or unsustainable shopping sprees.

    It’s always a question of balance, isn’t it? What do you love that you have to guard against doing to excess? How do you maintain your balance?

    Dreams, Luck, and Diligence

    Posted on June 19th, 2014 in The Wealthy Spirit by chellie

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

    170-June 19

    “By the streets of ‘by and by’ one arrives at the house of ‘never.’”—Miguel de Cervantes


    Dreams and goals are not the same. Just thinking how nice it would be to have a bigger house, a new car, a business of your own, the relationship you’ve always wanted, a vacation in Europe, a diamond ring, or a vacation home, won’t get it for you. The dream is there to spur you to action. It is not action itself.

    Some people seem to think that good things happen to people through sheer luck. They think that other people in life are just luckier than they are—that they have these things through some unfair, lucky twist of fate. This belief disempowers them completely. Instead of putting some effort into achieving their dreams, they fantasize about winning the lottery, inheriting a fortune from a long-lost relative, or that someone will come along, see their potential, and shower them with gifts. Once in a blue moon, this actually happens to someone, and then all the dreamers use that as the shining example that their fantasies could come true. Never mind that the odds are fourteen million to one.

    When these odds beat them, they often turn resentful, and bemoan their fate, saying life isn’t fair. They start to hate the people who have the things they want. Resentment will get them nothing. It is a misuse of creative energy. It’s been said “resentment is like drinking poison and waiting for the other person to die.”

    (Continued on page 170 of The Wealthy Spirit. My publisher asked that the complete book should not be a permanent record on the internet, so some pages are not posted in their entirety on this blog.)

    Today’s Affirmation: “I walk, talk, look, act, think, and am rich!”


    I read biographies of successful people and watch TV biographical programs all the time. I especially love the parts of how they struggled in the beginning, when they were just one of the millions of unknowns struggling to make their mark.

    I used to think that famous celebrities were just so special that they were instantly recognized at their first audition, but that almost never happens! Most stars were relentlessly rejected at first. But they weren’t going to let a few failures or bruised egos or unopened doors stop them.

    Here’s a typical story from the days of early Hollywood:

    “In the blighted year of 1929, Broadway musical star Jeanette MacDonald, ‘That Girl with the Red-gold Hair and the Sea-green Eyes,’ made a screen test for Fox Film Corp. Her co-star for the test was Archie Leach, a member of the company performing “Boom-Boom,” the Shubert prodction in which MacDonald was appearing. The studio flunked both players, explaining, ‘We feel neither of these people has a screen personality.’ So much for Fox’s prescience. Archie Leach, transmogrified into Cary Grant, would soon make his mark at Paramount, and Jeanette MacDonald, the movie musical’s first superstar, would become, by the late 1930s, the darling of MGM and the top-grossing film actress in the world.”–from Hollywood Diva by Edward Baron Turk

    So don’t be dismayed by the nay-sayers strewn in your path. They are just obstacles on the road to your success. Climb over them, go under them, or go around them. They are training you to be creative and strong, and which are needed to maintain a career in the spotlight. So keep on going and prove them wrong!

    What was the worst review you ever got? And how did you prove them wrong?

    The Jost Vacano Lessons

    Posted on June 18th, 2014 in The Wealthy Spirit by chellie

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

    169-June 18

    “Getting there isn’t half the fun—it’s all the fun.”—Robert Townsend


    When I was working as a secretary in the motion picture industry, I became known in our office as the person who could locate people or things that no one else could find. These assignments were great fun—they were like detective work to me. But when I was given my first one: “Get me the home phone number of the cinematographer who shot Coal Miner’s Daughter,” my first thought was, “I don’t know who that is. And who would give me, a stranger, his home phone number anyway?” But the boss said “Do it!” so I picked up the phone and started calling people. This was how I learned what a magical instrument the telephone is.

    The first call I made was to the cinematographers union. They told me that the person I wanted was Jost Vacano, but they either didn’t have or wouldn’t give me his home number. I asked them who might have it, and they suggested the production company or his agent. When I called the production company, I spoke to three different people, none of whom had the information I sought. I asked each one, “If you don’t know, who do you think might know?”

    This, I discovered is a magic question. Invariably, everyone I asked had an idea or two of who might know the answer. Many times they even had their phone number and gave it to me. I kept notes of every suggestion and followed every possible lead.

    The search took two days, but eventually I got to the person who had the answer, and I delivered to my boss the home phone number of Jost Vacano—in Munich, Germany! After that, I got lots of these assignments.

    The Jost Vacano lessons are:
    1. When you don’t know something, call someone who might know.
    2. If they don’t know, ask them who they think might know.
    3. Keep lists of who might know.
    4. Remember that somewhere, someone knows—you just have to find them.
    5. Keep calling until you know.

    Today’s Affirmation: “I always say just the right thing that makes people happy to help me.”

    I’m glad I can now clear up a mistake in this page: Ralph D. Bode is actually the man who was the cinematographer on the movie Coal Miner’s Daughter. I got the movie wrong in my memory. My boss must have said, “Get me the home phone number of the cinematographer who shot Das Boot - that was Jost Vacano, and he was German, so that fits. The name of the person stuck in my head quite clearly, but I guess the name of the movie…not so much.

    This happened circa 1982, and the internet wasn’t even a gleam in Al Gore’s mind then. It’s funny to think that I spent two days trying to get this information. How easy it was for me to just google the question this morning! I love the internet. I love google. Every time I read a historical novel or see a movie based on real life, I go to the computer to read more about the times and people, just like I used to look things up in the World Book Encyclopedia. It’s a marvelous age we live in!

    Do you ever go “ego surfing”? That’s what I heard someone call plugging your name into a search bar to see how many web sites reference you. For business owners, this is a good thing to do occasionally, to see how your SEO (Search Engine Optimization) is working. You want to check out what people are writing in their blogs about you, or read reviews they give your books on amazon or your company on yelp.

    I remember back in the day of the early internet having a mere 65 mentions. I had a small two-page web site and hadn’t written either of my books. Now that I’ve greatly expanded my web site and written books, it’s over 100,000. If you google “financial stress reduction®” which is my registered trademark, there are more than 3,000,000 items, and I’m listed as the first one, which I’m thrilled about. I googled “financial stress” which is more general and got 9,850,000 items and I’m listed second on page two. These are great results, so thanks and congratulations to my web team led by Ron Arciaga at Accent Digital!

    Brooke Harker’s cat on my book

    It’s also because I’ve been doing a lot of work getting the word out for many years. If you’re top-ranked in the search engines, it’s because you’ve been busy at internet marketing, writing articles, posting blogs, social networking, creating content for your own web site and others, and marketing and PR, too. Congratulate yourself for all you’ve done! If you’re new and only have 65 mentions like I did, congratulation yourself on beginning and know that more will come with time and effort.

    Good luck to you! May all your ships come in laden with treasure!


    Posted on June 17th, 2014 in The Wealthy Spirit by chellie


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

    168-June 17

    “Now and then it’s good to pause in our pursuit of happiness and just be happy.”—Guillaume Appollinaire


    Not everyone thinks life is about being happy. I do. And it is not a function of money. Studies have shown that beyond the subsistence level, more and more money does not equal more and more happiness. Happiness is a choice.

    Decide to be happy. Take joy in every pleasurable thing around you. Have lots of “I can hardly waits.” In my workshop, I ask everyone to play “The Glad Game;” to make a list of things they are grateful for. Most people write a few things easily, then stop to think. One woman, Lee Killian, wrote furiously for the entire time we did this exercise and completely covered her page with notes. Everyone knew Lee was a happy person—she always had a bright smile that lit up the room. You always looked forward to seeing her, because you knew her happy energy would lift you up. I asked her for a copy of her list, which included: “Me, my health, my kids, my mom, friends, home, car, movies, music, dancing, beach, trees, animals, desert, snow, rain, sun, sleep time, telephones, dry cleaners, perm-a-press, pens, coffee, rainbows…” I know this list was endless.

    Then I was given a book called 14,000 Things To Be Happy About by Barbara Ann Kipfer. This woman had started making lists when she was in the sixth grade of all the things she enjoyed in life. It’s a great spirit-lifter! I love to just pick up the book and flip through pages at random. It always makes me smile. Here are a few samples: “steel drums, jazz dances, leaves in great golden drifts as crisp as beaten gold foil, flaky-crust meat loaf, hot chocolate at an outdoor café, herb roasted chicken (a lot of her choices are food), a scarecrow that does not work, blue topaz, at a 6 A.M. breakfast watching the sky perform, thirsty children kissing water from a fountain, beaver lodges, albino watermelon seeds, diamond mines, a thermos lunch, singing along to the movie Carousel, dark blue Indian cotton, apricot butterfly rolls, consuming M&Ms by color groups, being motioned to come sit by someone, the meaning of a bird’s song, Sunday papers, a riot of colors…” When was the last time you gave attention to things like that?

    In their book, The 500-Year Delta, Watts Wacker and Jim Taylor give business prophesies for the future. They state that “What society has always treasured is what is scarce…Satisfaction and domestic contentment have rarity, and rarity, as always, has the greatest value…If you want status, walk into a room and announce that, amidst the ambient chaos of our times, you’re a happy person.” One of my favorite compliments was given to me in class one day: “Chellie, you’d have fun in a paper bag all by yourself.” Yes!

    Live your life today so that, if someone said that to you, it would be true.

    Today’s Affirmation: “I enjoy life and everyone around me enjoys me enjoying life!”


    The World Series of Poker is currently being held at the Rio Hotel in Las Vegas. There are 50+ events, culminating in the Main Event beginning July 5th. I’ll be going to play in the Ladies Event on June 27th. It is a joy to meet up with the other women poker players from all over the world once a year for brunches, tournaments, and parties!

    Before I join in all the World Series happenings, I follow along online at their web site at and cheer the various winners. Here is a wonderful report of one year’s gold bracelet winners by Nolan Dala a couple of years ago that I thought was so clever I had to share it:

    Help Wanted

    The 2011 World Series of Poker is currently offering temporary positions for poker players. Players may earn up to $18,385 per hour. Applicants must be willing to work up to 12 hours per day. No experience is necessary.

    Today, one additional player was hired. His name was Foster Hays from Dallas, TX

    Hays would be the first to admit that he didn’t have much of an employment resume. He had never done this kind of work before. For instance, Hays had absolutely no previous WSOP experience. Nevertheless, he managed to be a quick learner on the joy. Hays’ primary duties and responsibilities included sitting around a series of poker tables and playing cards the entire time.

    Hays worked just four days at the Rio Las Vegas, assigned to a specific poker tournament designated as the $1,500 buy-in-No-Limit-Hold’em Championship. He put in 40 total hours. He s granted several breaks, including one hour each day for dinner. He was able to wear shorts, a sweatshirt, and flip flops to work. He even got to sleep until noon during each of the four days he was employed.

    Hays collected a nice-sized paycheck totaling $735,400. His salary was calculated based on working three 12-hour shifts, plus one 4-hour shift on his final day. His e0 combined hours amounted to a net income of $18,385 per hour. Hays was even permitted to bring along many of his friends to work on his final day. The friends spent most of their time at Hays’ place of employment shouting encouragement, celebrating exciting hands and drinking beer.

    Interested players are encouraged to show up at the Rio, and apply. There were 58 positions available this summer – 19 of which have already been filled. That leaves 39 positions still open. Applications are being taken now through July 19th.

    For the complete story and more, visit

    I Can Hardly Waits

    Posted on June 16th, 2014 in The Wealthy Spirit by chellie

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

    167-June 16

    “A three-year-old is a being who gets almost as much fun out of a fifty-six dollar set of swings as it does out of finding a small green worm.”—Bill Vaughn

    Children always seem to be excited about something. They have an abundance of energy and enthusiasm, looking forward to the opportunity for fun. Their lives are filled with what I heard speaker Dave Grant thirty years ago call “I can hardly waits!” “I can hardly wait until Saturday and the baseball game,” “I can hardly wait until my birthday party next week,” “I can hardly wait until school’s out,” “I can hardly wait until Christmas.” Their eyes sparkle, they grin, they vibrate with the vision of the fun they’re going to have.

    Adults, meanwhile, have “I can hardly stand its.” “I can hardly stand how commercial Christmas has gotten,” “I can hardly stand the traffic on the freeway,” “I can hardly stand the taxes I have to pay,” “I can hardly stand my boss, mother-in-law, co-worker, spouse….” Some people can be relied upon to complain the moment you see them. I call them the “Ain’t It Awful People.” You don’t dare ask how they’re doing—they’ll tell you. “Oh, I’m so tired, I’m working so hard…,” “I just lost a lot of money in the stock market…,” “My doctor says I have to have tests for this chronic pain….” They immediately put a damper on every conversation. It takes a lot of energy to remain centered in a positive, happy frame of mind when you’re with them.

    Stop that! No complaints! Find something to look forward to with joy and focus on that. Schedule a day off, a vacation, or a party to put fun in your life. Abraham Lincoln said, “Most people are about as happy as they make up their minds to be.” Make up your mind to be happy. Plan events to look forward to. My friend Barbara, who “can hardly wait” until her vacation each year said the worst thing about it is coming back because then she doesn’t have it to look forward to anymore. Excited anticipation is a blissful state of being, and she loves imagining the fun she’s going to have. So the first thing she does when she gets home is call her travel agent and get more brochures so she can pick out her next vacation!

    What are the “I can hardly waits” you’re looking forward to? Make a list, then pick one to be especially excited about today. Say, “I can hardly wait until ____” three times, jumping up and down and laughing! (If this feels silly to you, watch out! You’re in danger of getting old. Not mature. Not grown-up. Old.)

    Today’s Affirmation: “I can hardly wait until _____________!”


    A wonderful coach and Facebook friend, Therese Skelly, once posed this question:

    “How do you know what you know? Is it easy for you to claim expert status and what have you done to really anchor in your knowledge?”

    Paul Zelizer responded: “One of the ways I tap into the full power of my knowledge is through relationship. For instance, social media allows me to be in touch with some of the smartest conscious business people o the planet. Listening and participating to these kinds of conversations on a daily basis has rocketed my confidence in terms of being an ‘expert’.”

    Mary Cravets said “I usually stumble upon what I know by accident! I’ll be sharing with clients, and when they say ‘How do you DO that?’ and I I can think is that it’s easy…that’s how I get the ‘a-ha’ realization moment!”

    I answered that I have started calling myself a “financial intuitive”. I don’t even know where my expertise comes from anymore, I just trust that it does. So much of what I do is beyond just adding dollars and sense (pun intended) but accessing intuitively where people are blocked in relationship to prosperity in all things, not just financially. Yes, I owned a bookkeeping service with 13 employees for 12 years, and yes, I’ve taught my Financial Stress Reduction Workshops for over 20 years, and that time invested in working with my subject matter is invaluable. But more than that, putting in all that time means that I’ve had many opportunities to listen, learn, and trust myself to help people, and collect evidence that I have. That experience has helped me to reach a deeper level of my ability to serve, and I revel in it.