Give Yourself a Raise

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 211-July 30 “Self-respect is a question of recognizing that anything worth having has its price.”—Joan Didion Give yourself a raise. Ask for more money. You’re worth it! Many people have a hard time asking for their worth. They know their value, but are afraid of the reaction they might get if they ask for it. They get scared that their clients or bosses will feel they have over-priced themselves and that they will find someone else who will do it for less. This is generally a groundless fear. People do business with you for one primary reason—they like you. Sure, they want to save money, get a good … [Read more...]

The Negotiating Game

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 210-July 29 “A money-grabber is anyone who grabs more than you can grab.”—Anonymous Many people run into trouble when it comes to negotiating money. This applies to salaries, pay raises, prices of products, and fees for services. Often fearful of asking for too much, they make the opposite mistake and ask for too little. It’s like they study the situation very carefully, figure out the least amount they can possible ask for and still be able to eke out a living, and then ask for their rock bottom line amount. Then, when their prospective boss or client tries to negotiate a better price, they are angry … [Read more...]

Facts or Excuses?

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 208-July 27 “You can make money or you can make excuses—you can’t make both.”—Unknown Sometimes the excuses are stated subtly, as though they were facts. This makes it difficult to tell that it’s really an excuse used to justify someone’s behavior. One summer afternoon, I was talking to a seminar leader, Mary, who had a successful business. She told me she was doing a lot of traveling and writing at the time, because everyone knew that the seminar business was dead in the summer. I looked at her, shocked: “I didn’t know that!” I exclaimed. She looked at me quizzically. “You mean your business … [Read more...]

You Are Unique—Market It!

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 205-July 24 “It is never to late to be what you might have been.”—George Eliot I was introduced to networking by my insurance agent, the late Sharlee Bishin. She came by my office one day, when I had only had my bookkeeping business for about a year. We chatted for a bit, and she asked me, “Where are you networking?” I looked at her blankly. “What’s networking?” I asked. Horrified, she said, “Come with me, dear,” and we were off to a dinner meeting of Women’s Referral Service, a wonderfully friendly group of supportive businesswomen (and men) founded by Nancy Sardella. It didn’t take me long to … [Read more...]

Market Research

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 173-June 22 “We jump off buildings and make our wings on the way down.”—Ray Bradbury It was 1990, and the recession was in full swing in California. I had survived in business one year after losing my biggest customer and most of my clients and friends knew about it. Now they were afraid as business prospects diminished, money got tighter and “lean and mean” became the business order of the day. I started getting a flood of calls that sounded like this: “Chellie, things are getting difficult. When you had your problems last year, what did you do? Somehow you survived a major downturn in your … [Read more...]