Cruise Day

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 86-March 27 “Some people are making such thorough preparation for rainy days that they aren’t enjoying today’s sunshine.”—William Feather Going on a cruise is a wonderful experience—it’s a big adult playpen on the water. When I took my first cruise with Korey, we couldn’t believe how much fun there was to be had with the wide variety of activities. There was a casino, bingo games, nightly entertainment, karaoke, dancing, a piano bar, aerobics classes, a gym, massage, shuffle-board, skeet shooting and food galore. You only have to unpack one time and the ship carries you to different ports of call—you … [Read more...]

Baby-U-Deserve-Getting-Every-Thing (Budget)

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 16 – January 16 “It’s amazing how fast you can go through $7,000 with beer, pizza and The Gap.”—Ben Affleck What is your reaction to the word “budget”? A sinking, depressed, deprived feeling? You are not alone. Many people audibly groan at the mention of the word. For the vast majority, it connotes scarcity, lack, and limitation—none of which are very pleasurable concepts. “Budgeting” in common usage usually means cutting the fun, frivolity, entertainment, and spontaneity out of your life and creating a bare-bones, austere, nothing-but-the-basics spending plan—something you do when you’re stressed about … [Read more...]

Low Budget Blues

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 140-May 20 “More than ever before, Americans are suffering from back problems: Back taxes, back rent, back auto payments.”—Robert Orben Low Budget is a useful tool for occasional use. But too often I see people with the Low Budget Blues. They’ve gotten into the habit of Low Budget. They think poor: Tighten the belt, do without, never buy new, can’t afford it, shop at garage sales, eat cheap, sleep cheap, think cheap. It’s great to be able to do this during a recession, a cash flow problem, between jobs, after a loss, or to save additional money for a large purchase. But too often people buy into Low … [Read more...]

Count Your Money

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 18 – January 18 “A man who both spends and saves money is the happiest man, because he has both enjoyments.”—Samuel Johnson To achieve success, you must think positive and send out ships. But if you want to achieve financial success, you have to add the third step: Count your money. Keeping track of how much you’re making, how much you’re spending, and how much you’re saving will tell you how effectively you’re doing the first two steps. In other words, budget. I suggest that everyone should have not just one, but three budgets, all with complicated names: Low, Medium, and High. You start with Medium … [Read more...]

Smart Spending During Holiday Season

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 336 – December 2 “A man is a person who will pay two dollars for a one-dollar item he wants. A woman will pay one dollar for a two-dollar item she doesn’t want.”—William Binger People often moan about their budget-busting behavior during the holidays. They shop from their “See-it-want-it-get-it” mentality. As they bustle through the malls, shopping for the perfect gifts for their husband, children, boss, Aunt Sally and Uncle Harry, they lose all control over spending. They forget their spending priorities, giving their credit cards a major workout. They remember—too late!—when the bills start arriving … [Read more...]