Read All the Fine Print

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 315-November 11 “Education is when you read the fine print. Experience is when you don’t.”—Unknown After my bankruptcy, I needed to reestablish good credit, so I applied for a “secured credit card.” This is a credit card that is issued when you put money in a savings account at the bank that issues you the card. The credit limit on the card is equal to the amount of money in your savings account. With time and a good credit history, they may periodically raise your limit without requiring that you deposit additional funds in savings. (Of course, they are dealing with people with problem credit, so they … [Read more...]

What You Don’t Do Will Cost You

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 314-November 10 “A pessimist is one who builds dungeons in the air.”—Walter Winchell A group of friends who were all women business owners and I gathered together at a fine restaurant. We laughed and told stories while we ordered luscious meals from the menu. Charlene, a successful young chiropractor, quietly ordered a small dinner salad and hot water. My face expressed a look of shock as she pulled a tea bag from her purse. She looked at me sorrowfully and said that she wasn’t, she just couldn’t afford to buy dinner. She had taken my workshop a couple of years before, and I knew her business had … [Read more...]

The Benjamin Franklin Close

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 312-November 8 “Much ingenuity with a little money is vastly more profitable and amusing than much money without ingenuity.”—Arnold Bennett When I can’t decide whether or not to do something, I use a sales technique called “The Benjamin Franklin Close.” (I don’t know why it’s called that.) I take a piece of paper, draw a line vertically down the middle of it, and label the left hand column “Pro” and the right hand column “Con.” I write down all the reasons I can think of for taking the action in the left column, then all the reasons for not doing it in the right. By the time I am finished, it is clear … [Read more...]

Need and Want

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 311-November 7 “It’s possible to own too much. A man with one watch knows what time it is; a man with two watches is never quite sure.”—Lee Segall “Let’s go shopping—I need to buy some clothes!” I told my friend, Shelley. “Need?” she asked. She caught me. “Well, no,” I admitted. “I already have clothes, so this isn’t about need. It’s really about having some fun at the mall!” “That sounds good,” she replied. “Let’s go!” We often overuse the word “need.” It’s been mentioned by various prosperity teachers that using the words “need” and “want” create a feeling of lack and limitation rather … [Read more...]

You’re Wearing Your Thinking

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 308-November 4 “Most of the shadows of this life are caused by our standing in our own sunshine.”—Ralph Waldo Emerson You're wearing what you are thinking. It’s on your face: Your emotions show. If you’re angry, I can see it. If you’re happy, I can see that. I know if you’re depressed, exuberant, alert, sleepy, cocky, defiant, joyful, excited. Your expression tells me if you love your life, love your fellow man, love me. It’s on your body: I can see the self-respect of the person who dresses carefully, neatly, cleanly. The flamboyance of loud colors states clearly you are unafraid of my opinion. … [Read more...]