“Magic Money” and the “PDQ” Plan

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 24 – January 24 “Bills travel through the mail at twice the speed of checks.”—Unknown Personal bankruptcies soared in the late 90s and credit card debt was at an all-time high. Consumer Credit Counselors declared that it was not unusual for their clients to have 40-60 credit cards. They also reported that the average per family debt, in credit cards and cards, was $52,000. Although these statistics might change somewhat from year to year, they don’t change enough. Too much easy credit coupled with too small minimum monthly payments keeps too many people slaves to their debt. Make a decision now to … [Read more...]

Magic Money Wish List

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 23 – January 23 “The two most beautiful words in the English language are: ‘Check enclosed.’”—Dorothy Parker Every so often, as I worked with my chosen monthly budget, I would think of something I wanted to have that wasn’t on my budget. It could be something I had forgotten to plan for by putting it on my “Irregular Expenses” list like new stationery, additional advertising specialty items like coffee mugs or pens, or a new piece of computer equipment. Or it could be something fun or extravagant that I wanted to create more money for, like new clothes, new office furniture, or a piece of … [Read more...]

Irregular Expenses

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 22 – January 22 “Just about the time you think you can make both ends meet, somebody moves the ends.”—Pansy Penner Irregular expenses are often budget-busters. This is because they aren’t a part of our regular, monthly expenses, and we tend to forget them. Then suddenly, like a harbinger of doom, there they are looming over your checkbook, cackling with glee that they’ve given you this nasty surprise. Your car breaks down and the repair bill is five hundred dollars. The water heater goes out, or the computer suddenly develops amnesia. The once-a-year insurance premium is due and you had forgotten all … [Read more...]

Ballet Lessons

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 21 – January 21 “I write only when I’m inspired. Fortunately, I’m inspired at 9 o’clock every morning.”—William Faulkner “I’m sorry I haven’t paid you yet,” my former student wailed, “but the job I told you about fell through. I don’t know why it’s so hard to find the right position!” I calmed her down and let her tell me her sad story of lost opportunities. “Just one more thing,” I said as we were about to hang up the phone, “Are you still doing your affirmations?” “Well, no,” she said. “I’ve just been too depressed.” I can’t tell you how many times I’ve had similar conversations with past … [Read more...]

Shopping for Love

Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction” 20 – January 20 “An object in possession seldom retains the same charm that it had in pursuit.”—Pliny the Younger “Can’t buy me love,” sang The Beatles. But we can buy its cousin: Praise, which we use as a poor substitute for love. People crave love and acknowledgment beyond all other things. In a survey conducted by Ken Blanchard, author of The One Minute Manager, employees ranked “Feeling ‘in’ on things” and “Appreciation of work” as the number one and number two benefits they wanted most from their jobs. Higher wages ranked a distant fifth. We want to feel included, we want to be special, we want … [Read more...]