Treasure Ships

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 330-November 26 “Men trip not on mountains. They trip on molehills.”—Chinese Proverb Sally called again today. “Help!” she cried. “My business has slowed down recently and I’m afraid I should cut my prices back in order to get more customers. But I like my new price and think I’m worth it. What should I do?” A talented hair stylist, Sally had just finished my workshop several months before. She raised her prices and had great success in getting new customers during the course, but had apparently drifted back into some fear thinking since then. Her fear started manifesting in fewer clients and reduced … [Read more...]

Worry

329-November 25 “Most people spend their lives running away from something that isn’t after them.”—Unknown Whenever we were upset about the possibility of something bad happening, before it actually happened, Mom would smile and say, “Don’t borrow trouble. That hasn’t happened yet. If it does, we’ll figure out what to do then. Worrying about it today isn’t going to help.” This kind of conversation was usually preceded by the phrase “What if…”: “What if I don’t get accepted by the college I want to go to?” “What if I don’t get a date for the school prom?” “What if I don’t get the part I want in the play?” Now, this is the same mother who was sick with worry if we were late getting home from our dates, but that was worry for a real … [Read more...]

Woe Is Me

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 323-November 19 “Things are going to get a lot worse before they get worse.”—Lily Tomlin “Help me, Chellie, I’m in crisis!” cried Ellen. Having embarked on a new career in real estate eleven months before, she was having a difficult time and had not yet sold a piece of property. “I’m not doing my affirmations, I’m in denial about my finances, I can’t do the budget homework, and I’m not sending out ships. I just can’t do it!” As we talked, she laughed at herself and told me I should get some “Woe is Me” buttons to go with the “Yeah, but” buttons. At times like these, life just seems so hard. We know … [Read more...]

Shark Bait

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 322-November 18 “The wolf will hire himself out very cheaply as a shepherd.”—Russian Proverb One of my big disappointments in business was discovering that there are people who will hire you, take and use the gifts you deliver, and then won’t pay you. Even worse, they never intended to pay you. A local businessman rang up my bookkeeping service one Thursday afternoon with a rush job. He had a meeting with an accountant scheduled for the following Monday, but his books hadn’t been reconciled. He was panicked—he needed a year’s worth of bank reconciliations done by Friday. I said we could help him and … [Read more...]

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 … [Read more...]