Bill Paying Time

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 215-August 3 “Maybe they call it take-home pay because there is no other place you can afford to go with it.”—Franklin P. Jones Whenever you are in a period of financial stress, when there is too much month left at the end of the money, thoughts of lack and limitation can be overwhelming. Doing positive affirmations won’t do much good if you do them for ten minutes a day but then think anxious and worried thoughts about money for the other twenty-three hours and fifty minutes. What I suggest is that you make an appointment with yourself once per week for bill paying time. (If you’re married, you can … [Read more...]

When to Raise Your Price

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 212-July 31 “The ideal income is a thousand dollars a day—and expenses.”—Pierre Lorillard “I got a raise!” Most people are familiar with the joy that comes with that good news, but every employee knows the nervous anxiety that goes along with asking for a raise. It is no different for self-employed people, except for the added difficulty that they must ask many different “employers” (clients) for that raise. Knowing the best times to raise your fees (salary) will help ease your discomfort and you will encounter the least resistance. Raise your fees when: 1. You have too much work and not enough time. … [Read more...]

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...]