The Wealthy Spirit Insider

    Treasure Ships

    Posted on November 26th, 2014 in The Wealthy Spirit by chellie

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

    330-November 26

    “Men trip not on mountains. They trip on molehills.”—Chinese Proverb


    Sally called again today. “Help!” she cried. “My business has slowed down recently and I’m afraid I should cut my prices back in order to get more customers. But I like my new price and think I’m worth it. What should I do?”

    A talented hair stylist, Sally had just finished my workshop several months before. She raised her prices and had great success in getting new customers during the course, but had apparently drifted back into some fear thinking since then. Her fear started manifesting in fewer clients and reduced income.

    After checking with her that she was still doing her affirmations, I asked how many ships she was sending out. Well, it was the holidays, so not so many. Aha. I asked her how many clients she needed to have in order to make the income she wanted to make.

    “One hundred,” she answered immediately.

    “So if you’ve been keeping track of how many ships you send out on your ships log, you know how many sales calls you have to make to get one customer,” I said.

    “Oh. I guess I haven’t really exactly filled out a ships log….”

    I smiled. “Okay, then, I suggest you start making calls and logging your results. But in any case, start making calls.”

    “How many calls do you think I should make?” she asked.

    “As many as it takes until you have one hundred customers!” I replied. “There are nine million people in Los Angeles and you only need one hundred, so you aren’t going to run out of opportunities.”

    She sighed and promised to get busy.

    This is the road to success. Being willing to do what it takes to get what you want. Send out your ships—your treasure awaits you. People are praying for you to show up, but they’re just as afraid to pick up the phone as you are. Someone has to go first, and since you’re the one reading this page, that someone is you

    Today’s Affirmation: “I reach out to others because I am brave enough to be first.”

    I enjoyed reading Dame Judi Dench’s autobiography “And Furthermore”. What a wonderful life she is having! She nailed her first audition for the Old Vic theatre troupe in England and was cast as Ophelia in their production of “Hamlet”. From there it was non-stop working in theatre, films and television, and she’s won every acting award imaginable. I have thoroughly enjoyed every performance of hers I’ve been privileged to see.

    And I loved this passage at the end of her book regarding retirement:

    “You do see people who work towards an age, and then at sixty or sixty-five you see them go into a deep decline, and you wonder: Why? What do you retire for? You retire if you are in a job that has just kept you employed, and given you some kind of income, and then you retire to do things that you really want to do. Well, I am doing the things I want to do now, so I don’t want to retire. Actors are really remarkable people to be with. I like the company of other people, but I love the company of actors, and to be in a company. My idea of hell would be a one-woman show, I wouldn’t be able to do that, I wouldn’t know who to get ready for. The whole idea of a group of people coming together and working to one end somehow is very appealing to me. It is the thing I have always wanted to do, and I am lucky enough to be doing it. You don’t need to retire as an actor, there are all those parts you can play lying in bed, or in a wheelchair.”

    Amen, Judi! I’ll watch you read the phone book, darling woman!


    Posted on November 25th, 2014 in The Wealthy Spirit by chellie

    329-November 25

    “Most people spend their lives running away from something that isn’t after them.”—Unknown


    Whenever we were upset about the possibility of something bad happening, before it actually happened, Mom would smile and say, “Don’t borrow trouble. That hasn’t happened yet. If it does, we’ll figure out what to do then. Worrying about it today isn’t going to help.” This kind of conversation was usually preceded by the phrase “What if…”: “What if I don’t get accepted by the college I want to go to?” “What if I don’t get a date for the school prom?” “What if I don’t get the part I want in the play?”

    Now, this is the same mother who was sick with worry if we were late getting home from our dates, but that was worry for a real event happening in the present. She didn’t waste energy being concerned about our being late days before the actual event.

    Worry is a negative affirmation. When you worry, you focus all your attention on the negative, scaring yourself with pictures of disaster and failure. Worry is different from contingency planning. Certainly, you want to have a backup plan in place in case your first effort fails. Mom had us apply to several colleges instead of just one, plan something fun to do if we didn’t go to the prom, audition for other parts in other plays. Contingency planning enables you to await outcomes with equanimity. As a successful woman business owner once said, “Plan A is always the ideal picture. But it is usually a dream bearing no relation to reality. By the time I get to Plan F, I’ve got a plan that has some chance of actually succeeding.”

    I make my plans, put my dreams and goals onto paper and send out my ships. I hope they will come in. But I know I am never in charge of when they come in—or which ships come in. I am only in charge of sending them out. At that point, the winds of destiny and the hand of God take over. Worrying about those ships won’t see them safely past the rocks and the waves. I trust that some of the ships will reach my harbor safely. God will choose which ones. And even if, at first glance, they look like leaky rowboats, they will turn out to be the right ships for me—golden galleons in disguise.

    Today’s Affirmation: “All my golden galleons are arriving safely in my harbor now.”

    Happiness Is an Inside Job

    Posted on November 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”

    328-November 24

    “Gold, like the sun, which melts wax and hardens clay, expands great souls and contracts bad hearts.”—Antoine de Rivaroli


    Studies have shown that, once above subsistence level, having more money and material success won’t make you any happier. You already have to be happy. If you haven’t learned how to be a happy person, how to take pleasure in the daily gifts the world offers to all of us, material goods will not satisfy you. Everyone can point to rich people who are lonely, bored, angry, or depressed. Having money just made them comfortable in their misery. The single-minded pursuit of money can distract them from their despair for awhile, but in the end, if they are curled up in their castle alone with no friends, all their millions will be cold comfort.

    Some people are afraid to have a lot of money, because they think the money will make them selfish, uncaring, lonely, and miserable. But money doesn’t do that. It’s what is done with the money that is either good or evil. If you would do evil if you had money, then you are evil now—just without power. Money does provide power. The more money you have, the more you can manifest your material desires. The downside is that one can get distracted by all the material manifestations and neglect the spiritual ones. But of course, being poor can keep you focused on the lack of material success, and that can keep you from manifesting your spiritual desires.

    So what is the answer? Learn to live rich, inside and out. There is joy in both internal wealth and external wealth. Focus on joy, happiness, your relationship with God, your relationships with other people, the meaning of life, and the mission of your life. Rich or poor, you can meditate and pray and make these your priorities. When you are joyful and grateful for what you have, you create the space for more. When you sense that there is a purpose to life and a mission within it for you to fulfill, then you act in harmony with God and the Universe. Open yourself to manifesting abundance in all areas of life, including financial success, knowing that you will use them honorably and with wisdom for the good of all around you.

    Today’s Affirmation: “I live richly and happily—inside and out!”

    An article in the LATimes by Amina Khan stated that “Happiness May Make You More Money”. ( Hah. I’ve been saying that all along!)

    “Scientists may have discovered the secret to avoiding the fiscal cliff: Happiness. Regardless of whether money can buy happiness, being happy may actually make you more money down the road, new research finds,” she writes.

    “People who express more positive emotions as teenagers and greater life satisfaction as young adults tend to have higher incomes by the time they’re 29, according to a study published Monday by the Proceedings of the National Academy of Sciences.

    “The difference was so great that when measuring life satisfaction on a 5-point scale, a 1-point jump at age 22 made a $2,000 difference in income down the line. Between the gloomiest and the happiest brackets, that amounts to an $8,000 earnings swing.”

    Studies found that, across the board, no matter what their other circumstances were, happier people earned bigger paychecks. People who were very unhappy generated incomes that were 30% lower than average.

    “The findings suggest that interventions to encourage more positive thinking in kids and teens could greatly improve their future success,” said Michael Norton, a behavioral scientist at Harvard Business School who was not involved in the study.

    Isn’t that great? I love it that the psychology profession is now studying happiness, whereas for most of its existence it has only studied dysfunction.

    Khan noted that economics professor Andrew Oswald of the University of Warwick in England has suggested that low unemployment makes people happier than low inflation. Perhaps if governments focused on stimulating job growth, even if those measures boosted inflation, they would lead to greater happiness — and thus more prosperity overall, De Neve mused.

    A little individual happiness, spread over entire populations, could have a massive combined effect, perhaps pulling depressed economies out of their slumps.

    “Even the fiscal cliff could be averted that way,” De Neve said. Then he laughed. “I’m just kidding. Who knows? Maybe.”



    Get off the Fence

    Posted on November 22nd, 2014 in The Wealthy Spirit by chellie

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


    326-November 22

    “If American men are obsessed with money, American women are obsessed with weight. The men talk of gain, the women talk of loss, and I do not know which talk is the more boring.”—Marya Mannes


    My friend, Kathy, was unhappy with her weight. She complained about it all the time and agonized about trying to lose weight. She didn’t diet, mind you, she just talked about dieting and whether or not she should go on one. Every time we got together, it was “Oh, I just know I’m too fat!” and “Do you think I look too fat?” (Usually, we were eating rich, fattening foods at the same time she was complaining about her weight.) I began to get bored with this topic of conversation because there was never any action, never any movement, just endless repetitions of the dilemma. Kathy was all talk, no ships.

    Finally, one day as she passed a mirror, she looked at herself sideways and then turned to me and said, “Do you think I look fat?” and I said, “Yes.” The look of shock on her face told me I had her attention.

    “Kathy, you’re my friend and I love you,” I said. “I don’t care how much you weigh. My relationship and quality of friendship with you will be the same, whether you wear a size 6 or a size 16. Your weight has nothing to do with the wonderful times we have sharing our hopes and dreams, our philosophies and laughter. What matters is that you’re happy. Happy people are generally more fun to be around. Now, you can be happy as a size 16 or happy as a size 6—it doesn’t matter to me. But please just choose a size you want, go there, and be content. I will support you and love you, no matter what your choice.”

    She stared at me for a long moment. Then, thoughtfully, she said, “I think size 6 sounds good.”

    I said, “Great! Then let’s go to the healthy salad bar place for lunch today.”

    During the next six months, Kathy dropped forty pounds. And she was happy every day doing it, because she got off the fence, chose a goal, and sent out a ship every day towards its achievement. Her dieting ships were: Join a gym, exercise every day, eat healthier foods, eat fewer foods, think thin. Her rewards were compliments, new clothes in smaller sizes, and self-satisfaction.

    If you want to lose weight, do what it takes to lose weight. If you don’t want to do what it takes, choose to be happy with the weight you’ve chosen. Remember that Marilyn Monroe was a size twelve. Find role models at the weight you are—these days, they come in all sizes, shapes and ages.

    But in any case, don’t talk about it.

    Today’s Affirmation: “I am a beautiful soul, wrapped up in a beautiful package!”

    This is an area where I admit to losing patience with people – when they go on and on over the same ground with their “Pro/Con” arguments about whether or not to take a particular action, or even worse, they made a decision already and can’t let go of worrying whether or not they made the right decision.  I know they are just trying on different future scenarios and looking to see what is the best course of action and it helps to bounce ideas off of someone else and get responses. I’m willing to play the game up to a point, but I want it to quickly resolve in a decision, followed by positive action in the chosen direction.  When the same conversation happens again, going over the same questions, I tend to get irritable.

    For example, a client of mine was trying to decide whether or not she had made the right decision in hiring a consultant. She was really second-guessing herself – she had made the choice seeing many good qualities in the consultant and feeling good about their skills and connections. But then she’d hear about another consultant and wonder if she made the right choice after all, and start worrying about the possible defects in the person’s character or resume that would make the outcome of their work together not be as successful as it might be if she hired someone else.

    The third time our conversation went in that direction, I just had to excuse myself and tell her that there is no way to know beforehand if the person you’ve hired is going to produce the result you want or not. You can endlessly search for the perfect consultant, you can doubt every person you hire, you can always think of someone else who might have been better. But this kind of second-guessing just steals your energy and projects fear of failure into your visions of the future.  At some point, you just have to make a decision to the best of your ability in the moment. Then stick with it.

    Have faith in your choice. Do affirmations and visualize your dreams coming true!

    Tomorrow Is Another Day

    Posted on November 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”


    325-November 21

    “What! No star, and you are going out to sea? Marching, and you have no music? Traveling, and you have no book? What! No love, and you are going out to live?”—French Proverb


    Today I was cranky. Tried not to be anxious—failed. Played poker—lost. Was invited to dinner—canceled.

    I am so upbeat most of the time, joy is practically my normal state. When I get moody and out-of-sorts, it is ugly. Mostly to myself. Feels like I took my brain, rinsed it in some muddy water, then put it back in my head. Ugh. The quality of my thoughts on days like this are distasteful. I dare not answer the phone. Getting into bed and turning the electric blanket up to “Nurture” is the only activity permitted.

    I remember calling a woman one day who was clearly in the above state of wretchedness. The voice that croaked “Hello?” was trashed, beaten, debilitated, forlorn. Shocked, I blurted, “What’s the matter with you?” She told me how tired and worn out she was from some ‘round the clock project. I suggested she take the rest of the day off, go to bed, rest, and relax. She wasn’t going to get any effective work done today from the state of being she was in; in fact, she could do herself harm by trying to talk to prospective customers from her depleted state of energy. I heard a huge sigh of relief on the other end of the line. She thanked me for giving her permission to opt out of the work she had planned for herself and thought she had to stay committed to do.

    So I give myself the same permission to play hooky for a day. I pack myself off to my bed, my haven of dreams, my refuge of the night. Here I will not inflict myself and my misery on others. I read, I meditate, I pray. I shower my brain with as much white light and harmonious energy as I can muster and gradually the dark dirt of desperation dissipates.


    Like a cat with the cream, I purr my contentment.

    Like Scarlett O’Hara—not everyday, but just this day—I say to all concerns, problems, troubles: “I won’t think about that today. I’ll go crazy if I do. I’ll think about that tomorrow. After all, tomorrow is another day!”

    Today is for playing hooky.

    Today’s Affirmation: “All things are working together harmoniously for my greater good!”

    One day, I left the house at 10:15 and remembered on the freeway that I forgot to get the boarding pass for my trip to Las Vegas. So I called my roommate Shelley on my cell phone to ask her to do it which she did.

    But, a Highway Patrolman caught me talking on the cell phone! I looked at him, he looked at me,  and I knew I was toast. He pulled me over. As I was coming to a stop, I made peace with the fact that I was getting a ticket. But I decided years ago that I wasn’t going to let little things like that ruin my day or my attitude. We all make mistakes, and sometimes we get caught. It’s just probability theory and math.

    So when I rolled down the window to talk with him, he said, “I pulled you over because I saw you talking on a cell phone” and I smiled at him and said, “I am so guilty! You caught me!” and he laughed and I laughed and we had a good giggle.

    He said, “Thank you for being honest. You wouldn’t believe how many people lie about it. As a reward for your honesty and being so nice, I’m going to let you off with just a warning.” What a doll!

    He ran my license, and when he came back, I gave him a copy of my book, “The Wealthy Spirit.” “You’re an author?” he said, “Thanks so much!” He grinned and looked really pleased.

    I had a big grin on my face for the rest of the day. Too fun.




    You Are a Winner!

    Posted on November 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”


    324-November 20

    “To dare is to lose one’s footing momentarily. Not to dare is to lose oneself.”—Soren Kierkegaard


    Felicia Rose Adler was depressed. Reality was not living up to her dream.

    She sunk gloomily in her chair and looked at her book. Master Dating is a fun, powerful book designed to help singles navigate the treacherous waters of the dating scene. She had nursed this book from conception to hard cover, having braved the many minefields of publishing. A first time author, she found a publisher, got an advance, suffered the torments of editing and rewriting, helped design the cover, got quotes for the book jacket, and worked hours on publicity, doing television, radio, and print interviews whenever possible. Her positive, upbeat energy She thrived on the hustle and bustle of book promotion, and her eyes lit up whenever she talked about her book.

    A year later, she had sold one thousand books. Her vision had been to sell one million books. She dreamed of making a powerful impact on millions—and making millions.

    Alone in the darkness, she realized she had made the success of this one book too important. She saw its lack of best-seller status as a reflection of her unworthiness. She identified so completely with the book that if someone rejected it, they were rejecting her. It was personal. It was devastating.

    Suddenly, a thought struck her with complete clarity: “I am not my book.” She got out of her chair and tied one end of a string around the book and the other end around her finger. She paced the room for a while, dragging the book behind her, looking at it from different angles, feeling the tug of the baby for its mama. Then she cut the umbilical cord and was free.

    Continued on page 324 of The Wealthy Spirit

    Today’s Affirmation: “I desire, I dream, and I revel in my accomplishments!”

    When The Wealthy Spirit was released, I made peace with the fact that the statistical realities of book publishing meant that it might not be a bestseller, or even sell enough books to pay back the advance I received. A humbling thought, but the marketplace is very crowded, and I wasn’t very well known outside of the small business community in Los Angeles. I decided that if only a few people found my book to be helpful and inspirational, I would be content.

    As with any other commercial product or service, Marketing is Everything! There were over 328,000 books published in the United States in 2010, and the total books published throughout the world was 2,200,200! Barnes & Noble Bookstores have between 130,000 – 140,000 books on their shelves. has over 8 million books listed online. How are you going to get yours to stand out? National media exposure is the key to the blockbuster bestsellers. You will most likely need help with this, even if you have high-powered contacts of your own. I can’t even begin to list all your options here, but to give you a hint, read: Publicize Your Book by Jacqueline Deval, 1001 Ways to Market Your Books by John Kremer, and Sell Yourself Without Selling Your Soul by Susan Harrow.

    Interesting industry statistics:

    1. 2% of the 300,000 books published each year become bestsellers.

    2. 84% of the bestsellers are published by the 5 largest New York publishers.

    3. 2 out of 10 books published make a profit for the publisher.

    4. In 2004, 950,000 titles out of the 1.2 million tracked by Nielsen Bookscan sold fewer than 99 copies. Another 200,000 sold fewer than 1,000 copies.

    5. Only 25,000 books sold more than 5,000 copies.

    6. The average book in America sells about 500 copies.

    7. Only 10 books sold more than a million copies in 2004.

    8. Fewer than 500 books sold more than 100,000 copies in 2004.

    9. The magic number for a book to be considered successful is 10,000. When The Wealthy Spirit reached 15,000 books sold, my editor called me and said, “We’re ready for your next book!” So I wrote Zero to Zilliionaire in 2006. And now I’ve written my third book, Financial Stress Reduction for Women in Business to be released in February, 2015.

    I am thrilled to report that together, my books have sold over 30,000 copies and this year is the 12th anniversary of the publication of The Wealthy Spirit. I still receive lovely emails from Dolphins all over the world who are reading it daily who say it has helped them. What I never imagined was that people would read the entire book and then start over again on day one and read it for another year. I spoke with a Facebook friend and asked him how he found me, and he answered, “I’ve been reading a page a day of The Wealthy Spirit for 8 years.”  I am so grateful and honored to be a positive influence in the lives of my readers. I treasure every note and comment from each one of them and my heart is full.

    Have a happy day!

    Woe Is Me

    Posted on November 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”


    323-November 19

    “Things are going to get a lot worse before they get worse.”—Lily Tomlin


    “Help me, Chellie, I’m in crisis!” cried Ellen. Having embarked on a new career in real estate eleven months before, she was having a difficult time and had not yet sold a piece of property. “I’m not doing my affirmations, I’m in denial about my finances, I can’t do the budget homework, and I’m not sending out ships. I just can’t do it!” As we talked, she laughed at herself and told me I should get some “Woe is Me” buttons to go with the “Yeah, but” buttons.

    At times like these, life just seems so hard. We know what we should be doing, but the power to do it escapes us. We look at the wreckage we have created and want the deus ex machina of the Greek playwrights to come lift us up and carry us off to paradise. But there is no God machine and no Black Limo. The only paradise we find is the one we create for ourselves.

    Continued on page 323 of The Wealthy Spirit

    Today’s Affirmation: “I live happily in the rich paradise I have created.”

    15 Ways Financial Stress Affects You Physically – Part II

    The state of the economy has left many people and families worried about money. From paying bills to finding a job to coping with high medical costs, it can be hard to think of anything else when financial woes come your way. It’s no secret that stress from finances can play a big role in changing your mental state, causing mood swings or even depression, but many may not realize what a marked effect it can also have on your physical well-being. Stress, whether from finances or other conflicts in your life, can do a number on your overall health, often in ways that you may not even realize are related to stress. If you’re going through a stressful financial situation, make sure you take good care of your body, take time to relax, and get help to make sure these harmful physical effects don’t take a toll on you.

    9. Dental issues and gum disease

    Stress seems to have an effect on every part of the body, and your teeth and gums are no exception. Stress can cause many to grind their teeth or pay little attention to oral hygiene and healthy eating, which may ultimately lead to a decline in oral health. It can also cause painful canker and cold sores, most likely due to a compromised immune system. Studies have also shown that even short-term stress can lead to increased levels of dental plaque, which can increase an individual’s risk of developing gingivitis. You may not be able to get rid of all the stress in your life, but you can practice good dental hygiene, which will help reduce your risk of developing any painful or problematic issues with your oral health.

    10. Increased risk of diabetes

    Stress can cause a spike in blood sugar, which can affect both those who already have diabetes and those who don’t in negative ways. While development of diabetes is often also related to other health factors like obesity and genetics, stress can often be a trigger that makes underlying conditions even worse and could push your body into a dangerous place, health-wise. For women, the link between stress and diabetes is stronger, so they need to be especially careful to monitor themselves for any early signs of the condition.

    11. Breakouts and skin problems

    Just when you want and need to look your best, stress makes you look your worst. When you’re stressed, your brain releases stress hormones and your immune system may be weakened, both factors that can cause your skin to go haywire. Bacteria trapped in pores, which your body can’t fight off, can lead to breakouts, and your skin may become oily, flushed, dry, or inflamed in response to stress. Some people may get hives or rashes, while others may have painful, sensitive skin. Whatever the result, stress is just plain bad for your skin, and it’s essential to keep it moisturized and clean and eat well when pressure’s high.

    12. Weight gain or loss

    Depending on your genetic makeup and personality, stress can cause either weight loss or weight gain. Some people may experience a loss of appetite when under stress that makes them eat less and lose weight. Others may eat more to help them cope with the emotional distress caused by financial issues. Cortisol, the body’s stress hormone, can often play a role in weight gain by increasing appetite and holding weight in your mid-section — a holdover from our caveman days, when stress was a response to a danger that would have left us needing to replenish energy supplies. Studies have found that weight loss occurs more often as a response to short-term stress, while prolonged stresses generally cause weight gain.

    13. Joint pain

    Joint pain is often caused by chronic inflammation, which can be worsened when the body is under stress. Cortisol, the stress hormone, is an inflammatory agent and can leave all parts of the body, from the internal organs to the joints, inflamed and quite painful. For those who have noticed an increase in joint and muscle pain along with an increase in stress, there are several ways to help your body feel better. It can often be helpful to avoid eating sweets and foods with a lot of carbs as these can cause additional inflammation. Instead, seek out omega-3s in your foods, which can help reduce inflammation. Exercise can also help to loosen up painful joints.

    14. Coping with stress through unhealthy behaviors

    Studies have shown that people under stress often engage in unhealthy drinking, drug use, and overeating. All of these behaviors can have serious health effects that can last well after a stressful event is over, and drinking and drug use, if done in excess, could even lead to death, paralysis, or other very serious effects. While these activities may lead to short-term reductions in stress, they offer little in long-term resolutions of stress, and can actually increase stress if they lead to a loss of a job, serious health issues, or financial problems. Those who are having difficulty coping with financial issues should seek out someone to talk to and engage in other, healthier methods of coping like exercise.

    15. Shortness of breath

    Shortness of breath generally freaks people out, and for good reason. It could be an early sign of a serious health issue. It can, however, also be a side effect of prolonged stress. Stress can lead to panic attacks, which can cause chest pressure and shortness of breath. It can also increase your risk of conditions like heart disease, which sometimes have the side effect of shortness of breath. Those who have asthma or other breathing problems may find that their condition is worsened considerably when under stress. Anytime you are experiencing shortness of breath, visit a doctor to ensure it is not a serious condition that requires immediate treatment.


    This post is written by Liz Nutt. I am a freelance writer and blogger who regularly writes for I love to write blogging, finance,business, health related articles. I can be reached at: . Our article Link : (http://


    Shark Bait

    Posted on November 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”


    322-November 18

    “The wolf will hire himself out very cheaply as a shepherd.”—Russian Proverb


    One of my big disappointments in business was discovering that there are people who will hire you, take and use the gifts you deliver, and then won’t pay you. Even worse, they never intended to pay you.

    A local businessman rang up my bookkeeping service one Thursday afternoon with a rush job. He had a meeting with an accountant scheduled for the following Monday, but his books hadn’t been reconciled. He was panicked—he needed a year’s worth of bank reconciliations done by Friday. I said we could help him and he brought in all his bank statements.

    Jim, one of my top staff bookkeepers, worked that evening and Friday morning to complete his work on time, and he thanked us profusely when he picked up his records. I gave him an invoice and he said that he had forgotten his checkbook, but he would drop off a check on Monday.

    Well, you know the end of this story. Monday came and went—no check. A week went by, then two—no check. Finally, after several bills and a demand letter, he informed me that the work we did was no good and he wasn’t going to pay us. (This is a favorite defense for these people—they complain about the quality of the work in order to have a justifiable reason for not paying.)

    Now, Demon Chellie started howling at this point. Righteous indignation consumed me and I felt abused and betrayed. I sued him in small claims court and the judge split the difference and ordered him to pay us half the total bill. He didn’t pay that either, and after a while, I wrote it off as a bad debt and vowed to learn my life lessons in this case: 1) Get a deposit before starting work; and 2) Don’t let them have the work until you get paid. (After all, you don’t leave Ralph’s with groceries without paying for them first.)

    Now I had to work on the inside job. I had to rid myself of anger, resentment, and the mental reprimands I was giving myself for being stupid. I remembered the Law of Karma, that what goes around comes around, and that “Judgment is mine sayeth the Lord.” I moved on to better thoughts and better customers.

    Well, the Lord’s judgment works pretty well. The next winter, in a year where torrential rains and mud-slides plagued the Los Angeles area, I opened up the local paper to discover that this man’s house had slid off a cliff and was completely demolished. A moment of complete glee overwhelmed me as Demon Chellie rejoiced in the misfortune of her enemy. Saint Chellie had to do some major coaxing to get me back into a more compassionate state of mind.

    Amazingly enough, two years later, this man called me again and asked me to do some bookkeeping work for him. I’m sure he was puzzled by my laughter as I exclaimed, “No thanks!”

    Today’s Affirmation: “All my clients are rich and wonderful and happy to pay me!

    15 Ways Financial Stress Affects You Physically

    The state of the economy has left many people and families worried about money. From paying bills to finding a job to coping with high medical costs, it can be hard to think of anything else when financial woes come your way. It’s no secret that stress from finances can play a big role in changing your mental state, causing mood swings or even depression, but many may not realize what a marked effect it can also have on your physical well-being. Stress, whether from finances or other conflicts in your life, can do a number on your overall health, often in ways that you may not even realize are related to stress. If you’re going through a stressful financial situation, make sure you take good care of your body, take time to relax, and get help to make sure these harmful physical effects don’t take a toll on you.


    1. Lost sleep

    One of the earliest signs that stress is affecting your body is insomnia. Lack of sleep can cause some immediate effects on the body that can make getting through the day pretty hard, something no financially stressed person needs on top of everything else. While there may not be a way to get more sleep without getting rid of what’s stressing you, you can set yourself up for better rest with a good bedtime routine every night.

    2. Less money for preventative care

    There is no way around it, health insurance is expensive. For those facing financial problems, it can be one of the first things cut from the budget, or may simply be lost along with exiting a job. Whatever the case may be, lack of insurance most often leads to lack of preventative care, or any care at all. Those worried about running up huge medical bills may not be as willing to head to the doctor when they see troubling signs or early indications of bigger problems. In fact, not only are those without insurance less likely to have major diseases detected early, they’re also more likely to die prematurely than those who are insured. That’s a pretty big health effect, and a reminder that no financial issues are worth risking your health.

    3. Increased levels of anxiety and depression

    Anxiety and depression are mental effects of stress, but they can have some physical manifestations as well. Those who are chronically stressed may begin to have panic attacks, shortness of breath, chronic fatigue, insomnia, and increased aches and pains throughout the body. These symptoms are related both to the underlying stress and to the depression and anxiety it may cause.

    4. A greater risk of cancer, heart disease, and stroke

    Stress is hard on the body, especially chronic stress, and can lead to some very serious health issues if not kept in check. Among the scariest of these is an increase in your risk of developing cancer, heart disease, and stroke. Part of this may be due to those who are stressed engaging in unhealthy behaviors like drinking and smoking, but scientists think there may be a stronger correlation. Chronic stress may weaken the immune system and put undue pressure on internal organs and processes, which can lead to a variety of serious medical conditions down the road.

    5. Increased heart rate and blood pressure

    Think about something that stresses you out? Does your heart beat faster? Stress can have a big effect on your heart and larger cardiovascular system. It can make your heart rate increase, which can in turn increase your blood pressure. Prolonged stress, and raised heart rate and blood pressure, can lead to heart arrhythmias and hypertension, both very serious heart conditions that could segue into heart attack, heart disease, or stroke. If stress is raising your blood pressure, take time out to just relax, meditate, or cool down throughout the day. Your heart will thank you for it.

    6. Greater numbers of digestive problems like ulcers, constipation, and diarrhea

    When people are stressed, they rarely eat well. This can be part of what causes digestive problems, but stress itself can also take a toll and weaken the immune system, letting the digestive track become infected or inflamed. This can lead to greater instances of conditions like ulcers, ulcerative colitis, irritable bowel syndrome, and even heartburn. Those who had these conditions before their financial stress began may see them flare up or become worse under duress. While most digestive conditions are not caused by stress, many, if not all, can be exacerbated by it.

    7. Hair loss

    When you’re already stressed out, the last thing you need to worry about is the state of your follicles, but you may not be able to avoid hair loss if you’re under serious, prolonged anxiety from financial matters. There are three types of hair loss that can be associated with stress: alopecia areata, when white blood cells attack and kill hair follicles; telogen effluvium, when stress pushes growing hair into a resting phase; and trichotillomania, when a stressed person pulls out his hair as a way of coping with anxiety and tension. Hair loss can also lead to lowered self esteem, self image, and overall confidence, none of which are helpful in getting back on your financial feet.

    8. Decreased libido

    When you’re worried about how to pay the rent, your love life may not be your biggest concern. And it’s not just due to distraction. Stress can actually cause other factors that cause a nose-dive in libido, like lack of sleep, emotional distress, and weight gain. These all combine to make it hard to want to be intimate with a partner, even if you’ve never had problems with interest in sex in the past. Talking through your problems, getting rest, and enjoying intimate time can all help battle the libido-killing effects of stress.


    This post is written by Liz Nutt. I am a freelance writer and blogger who regularly writes for I love to write blogging, finance,business, health related articles. I can be reached at: . Our article Link : (http://


    Family of Choice

    Posted on November 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”


    321-November 17

    “Everyone is a moon, and has a dark side which he never shows to anybody.”—Mark Twain


    I have written of the wonderful blessings of my family. The older I get and the more I learn of the family circumstances of others, the more I appreciate my good fortune in this regard. If you have not been one of the fortunate ones born to a supportive family, this page is for you.

    I know people whose fathers were absent, and others who wish their fathers had been absent. I am aware of people whose mothers abandoned them for drugs or drug dealers. I have heard stories that curdled my blood and made me weep. When my friend told me that her father “was a monster” and shared just how he proved it, I was shaken to my soul. I remembered my own father telling me that there were people who looked like human beings, talked like human beings—but they weren’t human beings. So what do you do if you were tied to one at birth?

    1. Get out physically. A friend of mine told me that his wife put herself in a foster home when she was a youth because of the terrible circumstances of her home life. What courage and determination that must have taken! I hope she writes a book about that. In her action is part of the answer: Remove yourself from the poison. Whatever it takes, whenever you have the realization that where you are is not healthy, get out as soon as you are able to do so.

    Buddha by Gayle Etcheverry

    2. Get out mentally. If your family of origin is awful, create a family of choice that’s beautiful. Get as much professional therapy as you need to understand and let go of your terrible past so that you can create a wonderful present. Find other successful escapees and ask them to mentor you and help you gather courage. Spend as little time as possible recreating negative images of your past in your mind, focusing instead on the positive pictures you envision for your present and future…

    3. Get out spiritually. Find a religious philosophy that uplifts you and gives you peace. Find a spiritual practice that affirms that there is light, beauty, solace, and comfort for you. Find a God that loves you.

    Continued on page 321 of The Wealthy Spirit

    Today’s Affirmation: “I celebrate my family of choice!”

    So many people suffered financial setbacks since the financial meltdown of 2008, and my heart goes out to them. I talked with a friend facing foreclosure of her home who was trying to regain some balance and perspective. It’s difficult to do when you’re in the middle of your own personal meltdown, and fears of the future loom when you don’t clearly see the way out. It’s especially hard when you have friends who are doing well, or who survived their financial setbacks, or who actually convinced a bank to refinance their mortgage at a lower rate. You are at once happy for them, but maybe you also find a little resentment can’t help but creep in – like “why were they able to refinance when I couldn’t do it?” or “why is my business down and their’s isn’t?”

    We can’t help but think that way sometimes. We weep and curse our fate and say, “Why me?” But then I always think the answer is, “Why not you?” And I start thinking about all the people on the earth who are worse off than I’ve ever been, who don’t have enough to eat or their economy has 50% unemployment or they’re at war. Yes, there may be some people who are better off but I’ll bet there are tons more who are worse off.

    If you want a real dose of balance and perspective, read “One Day in the Life of Ivan Denisovich” by Aleksandr Solzhenitsyn about life in a Siberian labor camp. When I read it, I had to wrap a warm blanket around me, drink hot tea, and eat lots of food. Or “Man’s Search for Meaning” by Victor Frankl who wrote about surviving the Nazi concentration camps. You read about people who are broken, cold, starving, and have what looks like zero prospects for a better life, and you become really grateful for all you’ve got really fast.

    Gratitude is the key. In studying happiness, researchers found that the only thing that made people happier was to keep a gratitude journal and write in it often. Changing your focus to be appreciative of all that you have instead of worrying about what you don’t have will put you in a state of mind that allows you to see opportunities. You will survive and you will thrive again! You may not see how today, but answers will come. Think positive, send out ships, and count your blessings and life will get better for you. It’s called a gratitude adjustment.



    Posted on November 14th, 2014 in The Wealthy Spirit by chellie

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

    318-November 14

    “It doesn’t matter who my father was; it matters who I remember he was.”—Anne Sexton


    My dad is great. Growing up in the Great Depression, he lived on thin money much of the time. He met my mom when she was a secretary and he was a young cadet. They married in the midst of World War II. When he returned from active duty, he got his engineering degree—and me. Employment called him to Chicago, and my sister Jane made her appearance. When a man from California was heard bragging about mowing his lawn in his shirt-sleeves in February, Dad dusted the snow off his boots and moved us to Los Angeles. Third daughter, Carole, joined us there.

    Dad worked in the space program at North American Rockwell. Dad loved us, encouraged us, helped us with our homework, disciplined us when we needed it, made the best jokes and the best hamburgers, and was our rock, our support, our stability. A quiet man, he dispensed wisdom in little nuggets when we needed advice and financial support in big checks when we needed money. I learned about positive thinking; he encouraged us to send out ships, although he didn’t call it that; and he taught us to count our money and save. He was always there when the seas got rough, and cautioned us that not all the fish in the sea were dolphins. He taught us ethics, he taught us responsibility, he taught us humor.

    Dad is in his eighties now and should be the poster child for enjoying retirement. He gets together with friends regularly, has weekend golfing getaways, takes piano lessons, and is learning to compose music on his computer. He’s almost busier now that he’s not working than when he was! But he always has time for the family, his daughters, sons-in-law, and grandkids, and his laughter and generous spirit brighten all our gatherings. He always has some new story to share, correspondence from an old friend, an article cut out of the paper, or a new book to read. His fascination and love of life inspire us all.

    He showed me a letter he had written as a young man of twenty-two to my mother’s parents. I read with tears his earnest promises of love, devotion and support for Chellie LeNell, and for the family they would raise. I acknowledged him for having made such a beautiful mission statement for his life—and for having lived it completely.

    Many times over the years, I have read in theDear Abbyand Ann Landerscolumns the recommendation that you write your parents a letter, thanking them for their gifts of light and life and love; that such a letter is treasured beyond gold. This is mine, daddy. I love you!

    When you’ve got dolphins in your life, appreciate them. Thank them. Give your parents of birth or your parents of choice this gift. Write them today. It feels so good to do it, you’ll find it’s a gift to yourself as well.

    Today’s Affirmation: “I bless and thank my parents, who taught me about life and love!”

    Many of you know that my Father, Mark Campbell, made his transition to the next experience a year ago last May. In hospice for a mere four weeks, we had the opportunity to surround him with love and bid him a fond farewell. We sang, and laughed, and told stories and said, “I love you” often. He said he hoped to see us in the next life, and I said, “Dad, you’re taking a trip that we all will be taking after you. You are just going before us to scout it out, but we’ll catch up to you later!” And then, his goodbyes having been said, he slipped peacefully away in his sleep.

    We held the Celebration of his Life at Rose Hills in Whittier, and it truly was a celebration! Many of his old friends were there – from the neighborhood, his workplace, and his church. How wonderful it was to see them and share treasured memories!

    My sisters, Jane and Carole, and I were inspired all week to write our eulogies and give testimony to our fabulous Dad. Afterward, at the reception, many people exclaimed how uplifting and positive the service was, and that was just what we wanted. Yes, we will miss him, but that was not the focus. We wanted to share with all our friends just how special and wonderful he was, and what a blessing family can be.

    Jane spoke of his brilliant inquiring mind (M.S. from M.I.T), his many years of work on the Space Shuttle, his interest in museums and history. When Dad said to her husband, Dick, “I’m just not as sharp as I used to be” Dick answered, “That’s okay, Mark – you’ve just come down to our level!”

    Carole added stories of his competitive spirit, his interest in games and golf, and his many poker games with her family. He researched the family genealogy, and when our mother, his beloved wife Nell, passed away suddenly, he became both Dad and Mom to us all.

    I spoke of Dad’s personality and humor – he was so funny! I think you’ll enjoy these stories!

    Love and blessings,


    A Warm and Funny Celebration of Life

    Hayloft Dinner Theatre

    In 1974, I was performing in Lubbock, Texas at the Hayloft Dinner Theater. The play was Love and Kisses and the star was Lyle Talbot, most recognizable as the neighbor on Ozzie and Harriet. Just before show time one Saturday night, I got a call from my Dad. He just had to tell me that at the office one day, he had mentioned that I was appearing with Lyle Talbot and his boss exclaimed that Lyle was his cousin! What a coincidence!

    We laughed and talked awhile and then Dad said, “Well, how do I get to the Hayloft?” “How do you get here?” I asked. “Where are you?” He said, “I’m at the airport in Lubbock.”

    I couldn’t believe it. He had had a business trip to Houston, and thought he’d make a side trip to Lubbock to surprise me. I was so excited! I told everyone backstage what had happened and that my Dad was coming to the show. Lyle Talbot spoke to the audience, told the story and introduced my Dad, having him stand up and take a bow. Dad and I were both beaming. It was one of the highlights of my life.

    Dad’s Artistic Humor

    One of the best things about our Dad was his sharp, wry sense of humor. For example, when I was in high school, I made a huge collage out of little bits of colored tissue paper. It was a beach scene, with ocean and palm trees. One day when I went to work on it, I discovered that Dad had made an addition of his own to it: he had cut out a photo of two people walking on a beach in the National Geographic magazine, and pasted them on my collage! We all giggled every time we looked at that picture.

    Remote Control

    Dad never could resist a good joke, even when it cost him.

    Back when remote controls for TVs were new, we kids were visiting and had a family dinner around the TV with our TV trays. At one point, Dad asked Mom to change the channel, and she got up to make the switch. I turned to Dad and said, “Hey, Dad, why don’t you get a remote control?”

    With that familiar twinkle in his eye, he gestured at mom and said, “I already have one!”

    We all burst out laughing, and Mom, in her best insulted Mary-Tyler-Moore voice, said, “Oh, Mark!”

    Of course, the next time we visited, they had a new TV with a remote control.

    Dad and I shared a love of science fiction and I grew up reading the classics: Isaac Asimov, Robert Heinlein, and Ray Bradbury. When friends would tell me my ideas were a little “out there” sometimes, I said  “What do you expect? My Dad makes space ships for a living!” Dad and I always went to the openings of all the latest sci fi movies.  I don’t think it’s an accident that the newest “Star Trek” movie opened the day of Dad’s Memorial service. I’m sure Dad arranged with Scotty to beam him up!