Live within Your Means

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

316-November 12

“Annual income twenty pounds, annual expenditure nineteen nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.”—Charles Dickens


Notice that you can add any amount of money to this formula and the result is the same. If you make a million dollars a year but spend $1.2 million, you’re in just as much misery as the person who makes $30,000 and spends $32,000.

The problem is over-spending. Human beings are basically just desire machines. It sometimes seems we can’t get enough of anything. I know it’s impossible for me to go shopping in the mall without seeing at least $10,000 worth of stuff I’d like to buy. It’s amazing how fashion designers are always able to create more beautiful, fascinating clothes that I want. It doesn’t matter how much I already have in my closet, there’s always a new cashmere sweater or tweed skirt or cut-velvet scarf that attracts my eye. The sporty gold Lexus I’m driving is great, but, hey, did you see that new Jaguar over there? It’s impossible for me to visit a bookstore without leaving with more books I just have to read….

One of the worst cases of spending bulimia I ever saw was illustrated in an article in the Los Angeles Times entitledThe Ultimate Material Girl. It was the story of an accounts payable clerk who embezzled $1.5 million from the manufacturing company for which she worked. Distraught over the troubled relationship she had with her daughter, she stole in order to keep pace with her daughter’s spending. Trying to buy her daughter’s love, she bought her a Mercedes, a Porsche, a Saab, and a Jeep Cherokee. The daughter’s closets were filled with designer fashions, $400 shoes, Louis Vuitton luggage, receipts for a $10,000 birthday party and $113,000 in home decorating services. She shopped every day. As long as the mother stole only $10,000 a month, her theft went undetected. But when the daughter tried to cash a check for $45,000, the bank manager got suspicious, and the jig was up.

The hole these people felt was not in their wallet but in their souls. It could never be filled with material goods. Surrounded by wealth, they were miserable. At some point, you have to decide that whatever you have is enough, and that what you will spend is only whatever is on your budget to spend, and no more. Then look for life’s riches in friendships, helping others, being of service, and appreciating all the good things the world offers that are free to us all.

Live within your means. Love above your means. And both will increase.

Today’s Affirmation: “My heart is filled with love and my bank account with money!”

“After you’ve written your book, found an agent, gotten a publisher, and your book is finally in the bookstores…five percent of your work has been done.”—Jack Canfield

Oh, my goodness, what a lot of work it is to do a book!

Not the writing. That’s the fun, creative part.

The sales and marketing part is what takes the work – just like in every business, eh?

After reviewing the final proof and putting the finishing touches on the manuscript, I spent about three weeks filling out my publisher’s Author’s Questionnaire, with questions like these:


  • List any books that might compete with your book. Give the book title, author, publisher and date of publication if known. How is your book different? How is it better?


  • What are three hooks or ideas that your book can be tied into for media interest? What points do you believe should be emphasized in the promotion of your book? Are there any circumstances connected with the book that might have news value?


  • Please describe how your book could be most effectively translated into a television segment on a popular show like Oprah, The View or The Today Show

(Well, I like the sound of that!)

And then I got a number of ARCs (Advanced Readers Copy) to send out to other authors for blurbs…you can see some of them on the book’s amazon page here where you can also pre-order the book:

Check out my newly redesigned my web site at!! Big thank yous to my wonderful designer Linda Cotter and web master Ron Arciaga!

AND I am filming a new video for the web site with the fabulous Jaime and Steve Geffner. Jaime and Steve will be filming some of my remarks after the Women’s Referral Service (WRS) dinner meeting Thursday, November 13th at the Sportsman’s Lodge where I am the Speaker/Sponsor. We will also film a few testimonials—if you’d like to participate in that, please let me know. All guests are welcome, too. Would love to have you join us! For details, go to or call 818-995-6646 for reservations.

Have a happy day!