Tomorrow Is Another Day

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!”

Some Tips to Stay out of Trouble with the IRS – By Lesley A. Sive, Attorney at Law


1. File your personal income tax return by April 15 of each year even if you cannot afford to pay the taxes you owe. If you don’t file on time, the IRS will not only add on a penalty for failure to pay (FTP) on time, but also a penalty for failure to file (FTF) on time. In addition to the penalties, interest is also added on to the balance due.

2. If you obtain an extension to file your tax return, the IRS will not assess a FTF penalty against you as long as you file by the extension due date. However, an extension to file, does not necessarily protect you from a FTP penalty. In order to avoid the FTP penalty, you must estimate the amount of taxes you will owe and pay at least 90% of what you owe with the extension. When you file your return by the extension due date, you must then pay off any remaining taxes you owe.

3. If you don’t file your tax return, the IRS can prepare a substitute for return (SFR) for you to take the place of your return. When the IRS does this, they will not take into account any dependents, deductions or credits you may have. Therefore, any taxes you owe will generally be much higher than if you filed your own return. Once you file your own return, the IRS will generally replace the SFR with your return. However, the IRS will examine your own return much more closely and may choose to audit you.

4. If you are an employee (W-2), make sure you have sufficient federal (and state) taxes withheld from your pay check each pay period. If you are under withholding and owe the IRS each year, the IRS may send your employer a letter requiring your employer to withhold additional taxes from your pay check. Thereafter, you generally cannot change your withholding again until you stop owing taxes and have paid off any balance due.

5. If you are self-employed, you must make estimated tax payments to the IRS (and state) every quarter to avoid owing taxes each year. That way, you can avoid having to come up with a large tax payment when you file your tax return. If you don’t make quarterly estimated tax payments, the IRS will assess you with a penalty for failure to make estimated tax payments. In addition, the IRS will add on a FTP penalty if you cannot pay the amount you owe with your tax return. Interest is also added on to the amount you owe.

Always file your tax returns each year even if you think you won’t owe the IRS any money. If you have an overpayment or refund due to you, unless you file your tax return within 3 years of the date it was due, you will lose the refund. For example, if you had a refund of $1,000 due to you for 2008, unless you file your tax return by April 15, 2012, you will not receive the refund of $1,000.


A graduate of Loyola Law School in Los Angeles, Lesley A. Sive has practiced as an attorney in the Los Angeles area for 26 years. For nearly a decade, she has focused her practice exclusively on tax controversy work and has successfully resolved numerous federal and state tax cases for individuals and businesses. She assertively advocates for her clients with the tax agencies and has built successful working relationships with many IRS and state revenue officers and revenue agents on behalf of her clients. Please follow her for more tips on



Prosperity is a habit. You have to practice it every day.

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Chellie Campbell is a Financial Stress Reduction® Coach and the author of The Wealthy Spirit, Zero to Zillionaire, and From Worry to Wealthy. She is one of Marci Shimoff's “Happy 100” in her NYT bestseller Happy for No Reason and contributed stories to Jack Canfield’s books You’ve Got to Read This Book! and Life Lessons from Chicken Soup for the Soul. Past president of the LA Chapter NAWBO, she was "Most Inspirational Speaker" by Women in Management and "Speaker of the Year" by the Association of Women Entrepreneurs. She does daily inspirational videos in The Wealthy Spirit Group on Facebook.

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