Chellie Campbell - The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction

Copyright 2002 by Chellie Campbell
Cover design 2002 by Sourcebooks, Inc.
Cover and internal images 2002 Digital Vision

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Library of Congress Cataloging-in-Publication Data Campbell, Chellie.

The wealthy spirit: daily affirmations for financial stress reduction/by Chellie Campbell.

p. cm.

Includes bibliographical references and index.

1. Self-Help/Affirmations I. Title.

HG179 .C3165 2002
332.024--dc21

20011032270

A father is a banker provided by Nature.French proverb

To my parents:
Mark Ervin Campbellin this world
Chellie LeNell Campbellin the next
Without whose regular loving deposits into my emotional and financial bank accounts none of these pages would have been written.

This book is the result of many minds and many hands. On this page, I thank all those wonderful dolphins in my life, past and present, without whom I would still be a baby tuna swimming in circles, afraid of the open sea: Thank you, Theresa Stephens and Jim Jermanok, who led me to Lisa Hagan, who not only became my agent, but my guiding light, the buoy that kept me afloat when the seas were rough. And most of all, my friend, Lisa, thanks for your constant support and whispered prayers. I couldn't have done this without you.

Lisa found me my wise and brilliant editor, Deb Werksman, who believed in my project immediately. Deb, I treasure all your notes in the margins of my manuscript, from This is so good! to I don't think you want to go there. You were always so right.

To all of the wonderful team at Sourcebooks: Thank you for turning this dream into a reality. I am especially grateful to copy editor Jon Malysiak for fine-tuning the completed manuscript; to Jennifer Fusco, Amy Baxter, and their team for brainstorming the perfect title; and to the fabulous sales and publicity teams: No book gets anywhere without you.

My sincere love and appreciation to my writers group, the Wild Women Writers, who laughed at my jokes, cried over my sad stories, praised me when I needed it, and sympathized when I needed that: Rhonda Britten, Linda Sivertsen, Victoria Loveland-Coen, and Carole Allen. Your loving friendship and honest appraisals of my work helped me grow and enjoy the growing. And to all the wait-staff at Marmadalade's, thank you for putting up with our exuberance and demands for slightly warmed chocolate cake with extra whipped cream at lunch meetings.

Heartfelt thanks to my parents, for without the strong family bond and values they instilled in me, I would not be the person who could write this book. I also thank my sisters, Jane Markota and Carole Wiltfong, and their families: the MarkotasDick, Robert, Marissa, and Lindsey; and the WiltfongsLloyd, Katie and Nicholas. You are the dolphins of my heart, who swim by my side every day.

Thank you, Shelley Lavender, for your generosity and help in hosting my workshops when the storms raged and it looked like the ships might sink. Your friendship is greatly appreciated.

To all of the members of my wonderful networks: The Women's Referral Service founded by Nancy Sardella, the National Association of Women Business Owners, the Executive Le Tip of West Los Angeles, the Ventura County Professional Women's Network, Women in Management, and all the groups that invited me to speak, thank you for teaching me that the best way to get referrals is to give them.

Finally, my thanks to all the dolphin graduates of the Financial Stress Reduction Workshops. This book could not have been written without your courage, your strength, and your faith. Your stories shaped my teachings and made me a better person. May you continue to swim far and wide and joyfully, knowing that we all depend on each other in this blue ocean.

I have all the money I'll ever needas long as I die by four o'clock this afternoon.

Henny Youngman

Over one million people filed bankruptcy in 1998, the Los Angeles Times reported. The credit card industry is a $556 billion a year business and nearly 50 percent of all borrowers do not pay their balances off in full each month. Forty percent of Americans spend more than they make, and Consumer Credit Counselors declared that it is not unusual for their clients to have forty to sixty credit cards. Relationships are in trouble: 50 percent of all marriages end in divorce; in 80 percent of the divorces, finances are a significant issue. People are working more hours than ever before, yet the life savings of the average fifty-year-old is only $2,300. A 1997 study by the Oppenheimer Fund found that one in seven women had nothing saved for retirement; of those that do, one in three owe more on their credit cards than they have saved. According to a Social Security Administration report, nine out of ten people are either dead or dead broke at age 65. And this when the economy had been booming for a record nine years. Something is wrong.

As the owner of a business management firm for twelve years, I worked with hundreds of clients to help them manage their finances. All of themno matter what their level of incomehad financial stress. In fact, it often seemed the more money they made, the more stress they had. I consulted with people who couldn't make ends meet on $15,000 per month. If their unconscious habit pattern was to spend more than they made, it didn't matter how much they made. They were just broke at a higher level. What was needed was something that would stop the habit of money woes they were experiencing in their livesat every income level. What was needed was Financial Stress Reduction.

Simple one-on-one consultations with my own clients, explaining money management principles, techniques for success, and how to be happier at the same time, became in 1990 an eight-week course. I designed it to help people achieve wealth in their work, serenity in their spirits, and a balance between the two. It struck a nerve with people from all walks of life: doctors, attorneys, CPAs, business owners, construction workers, government employees, photographers, housewives, plumbers, and the unemployed. The techniques and principles apply to all, no matter what their income level.

The results amazed me. Whatever their circumstances, participants in the workshop found they could lift themselves to the next level of success. One woman made $35,000 the first week of the class and went on to develop a nationwide executive search firm. A roofing contractor increased his sales 300 percent in just four weeks; an unemployed man found a new job and a six-figure income within three months. Stuck at a plateau of $100,000 per year annual sales, a woman in advertising specialties booked over $2,000,000 the next year.