Dear Dolphins,
 | ChellieCampbell,
Professional Speaker and Author of The Wealthy Spirit and Zero to Zillionaire has been teaching Financial Stress Reduction® Workshops since 1990. The Wealthy Spirit was a book-of-the-week on the Doctor Laura Schlessinger radio show and a GlobalNet book-of-the-month selection. She has been quoted in Good Housekeeping, Lifetime, Woman's World, and Essence, and more than 30 popular books. |
Have you ever gotten to the point in your career development where you say to yourself, “Ah, now I can kick back and take it easy for a bit” only to have more work than ever pour in? Yep, that’s what happened to me after the successful presentation of my first Financial Stress Reduction® Certification Program. I thought that having only two seminars per year would mean I’d have a lot more free time, but no! I keep having new ideas for projects, books, PR, the web site, the Dolphin Club, products, etc. etc. I guess the lesson is that creativity doesn’t end just because you finish a project. Well, that’s the good news, isn’t it?
Amazing things are afoot. I can’t talk about them all now, but be sure to read my next few newsletters and see what’s up. It’s all fun and exciting!
My friend, Linda Sivertsen, co-authored James Arthur Ray’s new book, Harmonic Wealth, and it is just fabulous! I wrote a review of the book on amazon, so be sure to check it out. Oh, and they quote me, too: “Financial guru Chellie Campbell says…” I like the sound of that…
If any of you have my old email address Chellie@ix.netcom.com please change it to Chellie@chellie.com as the old one is no longer active.
“It’s May, it’s May, the merry month of May” as the song from “Camelot” goes, so get outdoors and enjoy the spring flowers. I was walking by a garden in my neighborhood the other day, and stopped the owner as she was backing out of the driveway. “Thank you for planting all of these beautiful flowers for me to enjoy,” I said. She smiled and we chatted for a bit. Life is rich and wonderful! And there are lots of fruits for you to enjoy that you didn’t even have to plant!
Have a wonderful month!
Cheers,
Chellie
Find Another Way to Have What You Want – from The Wealthy Spirit Chellie’s annotated version
“It is surprising how many improvements can come out of things that go wrong.”—Anonymous
In the end, financial stress reduction is simply this:
- Earn more
- Spend less
- Find another way to have what you want
When we’re doing all we can to satisfy the first two requirements and yet when we see things we want that cost money, what can we do to stay within our budgets and still get what we want?
This is where you earn your graduate degree from M.S.U. (Make Stuff Up).
In the habit of spending a lot of money on clothes? Learn to sew, or trade services with a friend who sews. Buy too many books? Go to the library or create a circle of like-minded friends with whom you can trade books. Is enjoying nature your priority? Instead of feeling bad that you can’t afford to buy a house with acres of land, live somewhere that is close to a park or wildlife refuge and take a walk there every day. Or rent the guesthouse from someone whose main house is on lots of land.
In my financial darkest days, I lost my home to foreclosure. I had bought when the real estate market (and my business) was high. (Doesn’t that sound familiar? Just like many people are now suffering from the current mortgage meltdown. You might want to forward this to anyone you know who is in that pickle today.) My loans totaled $160,000 and units in my complex were selling for $90,000. Oops. And my interest rate then was 16%!!). When the recession hit and the market and my business plummeted (my biggest client that was 75% of my business left with two weeks notice—right after I had bought my partners out), I found I couldn’t sell it and I couldn’t meet the monthly payments of $1,650. Eventually, I had to give it back to the bank. It was a humiliating personal disaster. (But there are upsides to downsides too. I lived in the condo without having to make a mortgage payment for many months during the foreclosure process. I saved everything I could to try and survive the storm,)
One Friday night, I was playing cards with some girlfriends. They knew I was going through hard times, and one of the girls turned to me and said, “So where are you going to live now?” I said, “I don’t know.” She said, “Why don’t you move in here with Shelley?” And Shelley looked up from her cards and said, “Sure. You can move in with me.”
So I did. I moved into a gorgeous two-story, three-bedroom, three-bath, 3,000 square foot home in a beautiful hillside setting in a gorgeous neighborhood. The furniture was exquisite, the art to my taste and the Autumn color scheme looked made for me. It was the most beautiful—and most expensive—home I had ever lived in. Shelley and I got along great and it was fun having a roommate after years of living alone.
The rent? $200 per month. The value of the house does not appear on my balance sheet. But when I’m walking around in it, I can’t tell I don’t own it.
This particular scenario might not fit your lifestyle. Find one that does. Manage an apartment building in exchange for free rent. Be a professional house sitter. Don’t follow the “American Dream” of home ownership if it’s not your dream. If it is, and you do own a home, in an economic downturn you could find a roommate or two to share expenses. What else could you do? Think outside the box. Make something up.
A recent article in Parade magazine by Mike Hammer mentions that the popular myth is that renters are “just throwing their money away. But the reality is that when you buy a home, you’re paying for closing fees, mortgage interest, property taxes, private homeowners’ insurance and maintenance—costs that return nothing on your investment. You’d be better off banking that money or putting it into the stock market. In fact, a recent study by Fidelity Investments indicates that stocks provided investors with nearly 4.5% higher average returns in the last 45 years than real estate.” (The catch here is that you have to take your extra money and really invest it in the stock market—which is sometimes difficult for human beings to do when faced with the potential for immediate gratification of our desires instead of delayed gratification.)
In addition to that, “a study by the National Multi Housing Council points out half of homeowners don’t get a break, because even with mortgage interest and property taxes, their total deductions do not exceed the standard federal tax deduction ($10,900 for couples and $5450 for singles).”
It’s important to make decisions based on what your lifestyle is and what your priorities are and not just blindly follow conventional wisdom. You may be able to live in a much nicer place, with more amenities, and in a better neighborhood if you rent than you would be able to buy.
You don’t have to be rich to live rich.
The thing I’d most like to share with you is this: I was broke, lost my home, almost lost my business, and was shocked and depressed at what had happened to me. I was 46 years old. But I didn’t give up on my dreams and continued to say affirmations and send out ships. Since then, I have built up my Financial Stress Reduction® Workshops, licensed others to teach them, make a six-figure income, published two books, and am quoted in more than 35 books, including 2008 NYT bestsellers Happy for No Reason by Marci Shimoff and Harmonic Wealth by James Arthur Ray. As they say in poker, all you need is “a chip and a chair”, and you can make a comeback and win the tournament. Or win the Game of Life.
Today’s Affirmation: “I am a money magnet!”
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HOWDo you want to own your own home-based business? Become a Certified Financial Stress Reduction Coach.
 The Financial Stress Reduction® Workshop Certification Program is about to begin! Having created the 8-week Financial Stress Reduction® Workshop in 1990 and taught it for the past 18 years, I have been delighted and amazed at the transformations participants have realized in their lives. People have doubled their incomes in the course, opened successful businesses, paid off debts, gotten married, and left unfulfilling jobs or relationships behind them. Here are a few of the testimonials about the course:
“I have tripled my income and finally got that saving program going. Do not miss this workshop. Give Chellie 8 weeks, do what there is to do in the workshop and you will get huge benefits.”
---Mimi Donaldson, Co-author, Negotiating for Dummies and Bless Your Stress
310-577-0229, www.mimispeaks.com
“When I first took Chellie’s class I was worried that I could not pay my rent. After Chellie’s class, using her principles and my new career direction I doubled my income in the first 6 months and with in two years was a million dollar producer in my industry. The following year I bought my first home that is now worth over 1 million. That’s a long way from the apartment that I didn’t have the rent for. Warning…Only take Chellie class if you want to be financially successful.”
—Gaye Kruger-Ribble, The Company Image, Inc.
818-906-9894, www.TCI4Me.com
“The tenets of Chellie’s The Wealthy Spirit and the Financial Stress Reduction Workshop are absolutely the backbone of my business. Fortunately, I took the class right as I was opening my private practice, and it saved me a lot of the “first-year-in-business-in-the-red blues.” Smartest money I ever paid. My peers are shocked and amazed at how fast I grew my business and how much money I made in thank you for the stand that you are for financial abundance for us all.” Update July, 2006: ”Our sales in 2005 went to $2M and we're on track to do the same in 2006!! Thank you so-o-o much for your brilliant ideas and your ongoing support. You're THE BEST!”
—Charlene Apel, President, Second Opinion Software, LLC
(310) 538-2800 , www.2opinion.com
As the years went by, I wrote two best-selling books published by Sourcebooks - The Wealthy Spirit and Zero to Zillionaire I have received thousands of emails from all over the world declaring that its message helped them with life and money mastery, and many asked how they could participate in a workshop, since they couldn’t come to Los Angeles for 8 weeks. It became clear that I needed to train other people to teach the workshop and now the time is here! Now you can become a Certified Dolphin Leader of the Financial Stress Reduction® Workshop at our first training March 26-30, 2008 at the spectacular Portofino Hotel and Yacht Club in Redondo Beach, CA.
I am so excited to expand the reach and vision of the work and join with you in helping many more people to be happy, successful, and rich! Contact me at Chellie@Chellie.com or 310-476-1622 and I will be happy to help you!
Love and blessings,
Chellie
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Now You Can Find a Financial Stress Reduction® Workshop in Your Area!
Now available from Certified Dolphin Leaders in your area! Financial Stress Reduction® Workshops will soon begin in Irvine, Redondo Beach, Manhattan Beach, Sherman Oaks, Santa Clarita, Santa Monica, and Los Angeles in Southern California and Pleasant Hill in Northern California. Other locations include Denver, Colorado; Clinton, Tennessee; and Bristol, Connecticut. For information on all upcoming workshops, go to www.chellie.com and check the listings for under “Preferred Vendors” for “Financial Stress Reduction Coaches”.
CHELLIE’S UPCOMING APPEARANCES:
Television:
January, 2008 – Chellie was featured on two episodes of Making It! on January 6th and January 20th on KTLA Channel 5 in the Los Angeles area, and was available nationwide on different stations, cable, and DirectTV. She has two one-minute spots in their Secrets of Success series that can be viewed at www.makingit.com. Defining how to “think positive about your money” and how to “send out ships”, both are uplifting and fun!
Live Events:
August 14, 2008 – Chellie is speaking at the Century City Chamber Women’s Business Council on the Panel of Successful women from Finance, Fashion, Food, Politics, and Entertainment. Contact Allyn Cioban at acioban@twc-wla.org for event details.
Radio and Teleclasses:
Discover How You Can Master Your Money,
Relationships, Find Your Passion In Life & More
Chellie is presenting her work in a new tele seminar series produced by Heather Pickens This tele seminar series includes some of the top wealth, relationship, inspirational, fitness, social, mindset, self-improvement, and spiritual experts in the entire world who have appeared in motivational movies such as “The Secret”, “The Opus”, TV shows like Larry King Live, Oprah, The Today Show, and The Big Idea, and CNN. Go to www.heatherpicken.com for details or register at http://www.1shoppingcart.com/app/?Clk=2342204
Chellie Interviewed by John Assaraf of The Secret – audio now posted at www.chellie.com under “Press Room”. John and I had a great conversation about money, business, and success – at the end of it, he said, “You're a breath of fresh air! I love your attitude and the wisdom you've imparted around the world."
Chellie appeared with host Carol Allen, author of Love is in the Stars on her radio show. You can listen to the podcast at www.karmaair.com. For more information, visit www.karmaair.com or contact Carol at carol@carolallenastrology.com.
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The Dolphin Club News:
This is one of the best subscription values on the web today! For only $25 per month, you can join with other Dolphin Business Leaders, advertise your products and services, network, and share ideas in our private Forums. Our membership continues to grow, and out web site gets over 100,000 hits per month.
If you want to find a wonderful business professional, be sure to check our listings on the home page at www.chellie.com. Our new bonus gift for May is presented by Gail Richards of www.AuthorSmartLive.com: Ready to take your book to the big time? AuthorSmart wants to connect you and your book with publishers at BookExpo America 2008 through an exclusive “guided tour” event. From May 29 through June 1st, the publishing industry will gather in Los Angeles and we’ll be there to make sure you have the tools and techniques to make the most of the experience. Our special gift for the Dolphin Community: AuthorSmart’s exclusive downloadable guide: How to Prepare for BookExpo.
If any of you would like to contribute a gift for our members, please email me at Chellie@chellie.com and we’ll give you some great advertising, too. Join the Dolphin Club today at www.chellie.com and get The Wealthy Spirit screensaver, special reports, and extra bonus gifts every month! Call 310-476-1622 or visit www.chellie.com for more information.
A LITTLE ABOUT CHELLIE . . .
Chellie Campbell is the creator of the popular Financial Stress Reduction® Workshops, and the author of The Wealthy Spirit and Zero to Zillionaire, both published by Sourcebooks, Inc. She is one of Marci Shimoff's “Happy 100” and 1 of 18 who wrote a story for Marci’s current NYT bestseller Happy for No Reason . Chellie contributed stories to Jack Canfield’s recent books You’ve Got to Read This Book! and Life Lessons from Chicken Soup for the Soul , and is featured in How to Run Your Business Like a Girl by Elizabeth Cogswell Baskin and Money, A Memoir: Women, Emotions, and Cash by Liz Perle. She is prominently quoted as a financial expert in The Los Angeles Times, Pink, Good Housekeeping, Lifetime, Essence, Woman’s World and more than 35 popular books. For more information, visit her web site www.Chellie.com or email her at Chellie@Chellie.com.
CONTACT CHELLIE!
Chellie can be reached at chellie@chellie.com or call 310-476-1622.
Chellie Campbell
Campbell Consulting Company
409 Bonhill Road, Los Angeles, CA 90049
Author, "The Wealthy Spirit" (Sourcebooks, 2002)
and "Zero to Zillionaire" (Sourcebooks, 2006)
Financial Stress Reduction® Workshops
www.chellie.com
"Man has always assumed he was more intelligent than dolphins because he had achieved so much--the wheel, New York, wars, and so on--while all the dolphins had ever done was muck about in the water having a good time. But conversely, the dolphins had always believed that they were far more intelligent than man for precisely the same reason."--Douglas Adams, "The Hitchhiker's Guide to the Galaxy"
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