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Tag: Breaking Bad Habits

  • 5 Reasons to STOP Using Your Phone as an Alarm

    5 Reasons to STOP Using Your Phone as an Alarm

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    There might be affiliate links on this page, which means we get a small commission of anything you buy. As an Amazon Associate we earn from qualifying purchases. Please do your own research before making any online purchase.

    Technology has become so integrated into our everyday lives that our phones, tablets… even fitness trackers are now able to send and receive text messages and emails, make calls and keep us on task with calendar reminders and alarms. 

    But I am here to offer a friendly warning. 

    Before you are tempted to use your smartphone as an alarm clock, consider all of the negative ramifications that doing so can have.

    Rethinking the Phone Alarm Clock

    In fact, you could think of it as being forced to entertain an annoying house guest. Someone that tries to distract you, puts negative thoughts in your head and messes with your daily routine and quality of sleep. 

    Using your phone as an alarm is not only unnecessary, but can actually be detrimental to your personal growth, romantic relationships and even your health.

    If you’re one of the many people already using your phone for this, the good news is that it’s never too late to quit. 

    In this article, I’m going to give you 5 good reasons to stop (or never start) using your phone as an alarm. 

    If you learn better through watching videos instead of reading articles, here’s the Youtube version of blog post:

    Reason #1: You ignore your partner.

    The phone alarm makes it hard to resist phubbing your partner.

    Ok… before we delve into this one, you may be wondering what phubbing is? 

    Don’t feel bad. I hadn’t heard of it myself until recently. 

    Simply put, phubbing was a phrase coined in Australia to describe the act of “snubbing” someone while using your phone. Snubbing + phone = phubbing. 

    Now that you’re all caught up, let’s do a quick gut check.

    Ask yourself, “Have I ever been guilty of phubbing my partner?”.

    More than likely, the answer is yes. 

    In fact, I’d say that every person with a smartphone has been guilty of staring at it while sitting or laying next to their partner…. not because we don’t want to talk with them, but because it’s easy to get distracted when those different sounds go off or alerts pop up. 

    After all, if you put your phone down, you may miss something.  But would that be the end of the world? Are there that many things that can’t wait? 

    If you use your phone as an alarm, you are essentially giving yourself permission to phub your partner the very moment you wake up. 

    Let’s play this out. 

    Alarm goes off. 

    You reach for the phone to dismiss it… and then you see some of those shiny notification alerts just waiting to be read. 

    You contemplate putting the phone down and ignoring them, but you’re only human. Besides, reading just one short work email or text from your sister never hurt anyone. 

    Did it? 

    Well, maybe not literally… but every second spent disengaging with your partner is one too many. 

    Life is short and relationships are fragile.  If you love your partner, let them know by putting them first. 

    This means keeping the phone out of the bedroom so that the romance stays in it. 

    Reason #2: You waste your time.

    You will immediately grab your phone in the morning and get lost in the world wide web of lies, gossip, news and social media propaganda.

    We touched upon the temptation of checking messages first thing in the morning after the phone alarm goes off… but does it ever really stop there? 

    Work emails, texts… check. 

    Wait! What’s this? A comment on my Facebook post? An alert that my fantasy football team is projected to lose this week? Someone tested a cure for Covid-19 on a dog? 

    Smartphones are called that for a reason, as their algorithms make it possible for the phone to know what interests you. 

    In fact, it does this so well that your phone will bait you into spending more time on a certain page… while leaving you coming back for more. 

    Without even realizing it, you’ve just added another 30 minutes to the 10 already spent reading emails and texts. 

    And that’s 30 minutes of your day you’re not getting back.  

    Reason #3: You expose yourself to negativity.

    Ok. Let’s be real. 

    Very little of what we read in the news is positive. In fact, it can be a downright bummer. 

    I stopped watching the nightly news on television shortly after our second child was born. And, yes, that was an actual thing before today’s news started popping up in our email, web browser and phone.

    For me, it was downright depressing some days to think about raising children in this world. Rarely was any of the news happy… because happiness doesn’t sell as well. It was filled with controversy and loss. Devastation and despair. Corruption and scandals. 

    If I didn’t like watching the news on tv, why would I want to have it pop up first thing in the morning when I reach for my phone? 

    It would be a different story if the first thing that you saw was a positive affirmation or daily mindfulness quote… but Debbie Downer will find her way in. 

    Trust me. 

    And it’s not just the media spewing negativity… many times it’s your “friends” on Facebook and Twitter. Reddit or Instagram. 

    It’s everywhere. 

    But you don’t have to let it be. 

    STOP using your phone as an alarm and take back control of your mindset in the morning. 

    stop using phone as an alarm | evening routine examples | evening routine meaning

    Reason #4: It affects your sleep.

    EMFs from Wi-Fi and Bluetooth can impact sleep and contribute to insomnia.

    We all know that getting enough sleep is so important when it comes to our mental and physical health.

    To ensure this, you’ll need to take a good look at your daily routine… and pinpoint what, if anything, may be impeding our slumber. 

    Things like caffeine, poor diet, lack of exercise or fresh air, work or life stress… technology overload. Experts say these things need to be avoided close to bedtime.  

    In addition to the obvious distraction risk, smartphones and tablets using WiFi or Bluetooth actually produce electromagnetic fields (EMFs)… which some researchers believe can influence brain activity during sleep. 

    As a matter of fact, more and more people are jumping onto the harmful EMF bandwagon… opening the door for companies to capitalize on the potentially adverse effects by selling EMF blocking sleep masks, sleeping bags, smartphone cases and copper shields. 

    Yes, copper shields. 

    If you STOP using your phone as an alarm, it won’t have to be next to your bed.  And if it isn’t next to your bed, then you aren’t risking exposure to EMFs.

    Whether you buy into the hype or not, keeping your bedroom an EMF-free zone gives you one less thing to potentially have to worry about… and less worry means fewer restless nights.  

    Reason #5: It could disrupt your daily routine.

    Many of us depend on a calendar to keep our days, weeks and months straight.

    Life moves fast and the more involved you are in things, the busier it gets. 

    Between work, social obligations, family commitments, hobbies and activities… establishing a routine is vital in order to ensure things don’t fall through the cracks.  

    For instance, my current daily routine goes something like this: 

    6:00am wake up, have coffee, put kid’s lunches together
    6:30am check my work emails
    7:00am wake kids, make them breakfast
    7:6 through in a load of laundry, make sure kids get dressed for school
    8:00am check (4) teacher emails for the daily agenda and last minute items
    8:30am get kids to school
    8:30-12:30am household chores, to-do list items, assist with virtual school
    12:30-1:30pm workout and shower
    1:30pm make kids lunch, maybe eat a bite myself
    2-00pm-2:30pm homework assistance
    2:30pm – 4:30pm work on my articles
    4:30-6pm afterschool activities, prep dinner
    6:00pm dinner
    7:00pm get kids cleaned up and into pajamas
    7:30-8:30pm bedtime routine with kids, family time
    8:30-10pm free time
    10:00pm bed

    As you can see, my day is pretty structured. It doesn’t always run smoothly, being a mom of four, but it gives me a nice outline to work with. 

    It makes me feel as if I’m getting what I want and need to get done each day. 

    My phone is not my alarm. It is not even in my bedroom. 

    Now what would happen if I changed that? If I used my phone as an alarm? 

    More than likely, I’d wake up at 6am and check my text messages. My emails. Facebook. The weather. ESPN. 

    And before I even realized it, it would be 6:45 and I’m now behind schedule. 

    Something would have to give so as not to ruin the rest of the day… but what? The kids will be up in 15 minutes! 

    If you STOP using your phone as an alarm, you will be less likely to disrupt your morning routine… which would create a domino effect on the rest of your day. 

    Final Thoughts on Using Your Phone as an Alarm

    Don’t get me wrong… technology is a many splendored thing. 

    But it can also be our downfall if we are not careful. 

    As with anything in life, technology should be utilized in moderation… so if you STOP using your phone as an alarm, you are already cutting back usage. 

    Fortunately, I have some tips for wearing yourself off this bad habit, such as: 

    • Buying an old fashioned clock radio or windup alarm
    • Going back to a flip phone
    • Leaving your phone in a different part of the house
    • Establishing a shutdown routine before bed, utilize a screen timer
    • Disable certain notifications on your phone
    • Use a smart hub as an alarm and enable voice control to dismiss it
    • Let your kids be your alarm and wake you
    • Train your internal sleep clock so you wake up naturally

    There are many great things that our phone can do for us, but waking us up should not be one of them. It’s not necessary and there are many alternatives. 

    A positive start to the day paves the way for productivity… so it would be silly to let something as trivial as phone alerts and text messages stand in the way of that. 

    And if you’re looking for more resources to help you balance your real and digital life, here are some articles to check out:

    Nicole Krause has been writing both personally and professionally for over 20 years. She holds a dual B.A. in English and Film Studies. Her work has appeared in some of the country’s top publications, major news outlets, online publications, and blogs. As a happily married (and extremely busy) mother of four… her articles primarily focus on parenting, marriage, family, finance, organization, and product reviews.

    hitting the snooze button meaning hitting the snooze button meme | what happens to your body when you hit the snooze buttonhitting the snooze button meaning hitting the snooze button meme | what happens to your body when you hit the snooze button

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    Nicole Krause

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  • 5 Proven Strategies to Stop Yourself from Binge Eating

    5 Proven Strategies to Stop Yourself from Binge Eating

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    There might be affiliate links on this page, which means we get a small commission of anything you buy. As an Amazon Associate we earn from qualifying purchases. Please do your own research before making any online purchase.

    Many people have a love-hate relationship with food.

    The unhealthy way that many of us view food can lead to eating disorders. One such disorder is binge eating. This happens when a person periodically overeats (usually very quickly) to the point of discomfort and then feels shame or guilt afterward.

    For some, binge eating begins as a mindless habit of sitting down in front of the TV with a big bowl of popcorn or a bag of chips. In time, this habit evolves into uncontrolled eating that quickly spirals into a myriad of negative consequences.

    Because of the guilt and shame that is associated with binge eating and obesity, some people take compensatory measures such as severe food restrictions, purging, or extreme exercise to counter the incidence of binge eating. It can become a life-threatening disorder.

    Nevertheless, with help, a person can overcome binge eating. In this article, we’ll explore the root causes of binge eating disorder and provide five proven strategies that will help you stop binge eating.

    Side note: Before we move on, it’s important to know that binge eating is often recognized as an eating disorder with severe, long-term, negative health consequences.

    If you feel like this is a habit that’s out of control, consulting a certified medical practitioner regarding this matter is essential in order for you to get the proper diagnosis and appropriate treatment.

    The information given in this article is not intended to be a substitute for professional medical advice.

    Causes of the Binge Eating Habit

    Depression

    Binge eating and depression are closely linked. In fact, the same genes that are involved in depression may also be involved in eating disorders such as binge eating. While feelings of depression can make someone eat more, it can also begin a cycle because people often feel depressed after a binge.

    When you are depressed, it can be difficult to recognize emotional hunger. Once you’ve become more skilled at noticing your hunger cues, you can then determine whether the cues are occurring because of physical or emotional hunger.

    Some indicators to look for include sudden (emotional) vs. gradual (physical) hunger, specific (emotional) vs. general (physical) hunger, and if the hunger is occurring in your stomach or in your mind.

    You also want to pay attention to how you feel after you eat. Emotional eating leads to feelings of guilt, while physical hunger leads to feelings of satisfaction and contentment.

    If you know that you’re experiencing emotional hunger, find something to do other than eat. Your body is not asking for nourishment, so anything you consume will be in excess.

    Depression also makes you more susceptible to the “what the hell effect.” Watch the video below for a quick overview of the “what the hell” effect and 5 simple strategies you can use to overcome this negative mindset.

    Trauma

    The experiences that you have lived through can impact your eating habits. Scientists have found that about 25% of people who binge eat have experienced trauma in their lives, such as abuse, assault, a life-threatening accident, witnessing a serious crime, or experiencing war.

    Both trauma and binge eating are related to functional issues with stress hormones and mood-regulating brain chemicals, and your genes might also determine if you are at risk for developing these disorders.

    Most of the time, trauma leads to PTSD, which can then eventually develop into binge eating as a side effect. Scientists think people who have experienced trauma tend to turn to food to escape the painful memories that are associated with traumatic events.​

    Also, people suffering from PTSD have a very difficult time focusing on the present and the future due to the fact that they are distracted with their memories of trauma. Sometimes this results in the improper planning of meals, which leads to severe hunger and overeating.

    Coping Difficulties

    People who binge eat often don’t know exactly what they’re feeling or the reason behind their feelings because they don’t have the necessary coping strategies. So they compulsively try to numb their pain with food.

    Using self-soothing as a coping skill for an eating disorder often requires a very gentle approach to oneself. Those who know how to comfort themselves are familiar with how and when to rest, and they treat themselves to things that make them feel good—which often includes food.

    During childhood, people look toward their primary caregivers for comfort, but if the caregivers cannot fully meet the child’s needs, he or she must develop self-soothing techniques such as thumb sucking or holding a favorite stuffed animal.

    As people mature, more sophisticated coping skills emerge. While a lot of coping skills are healthy, such as running, reading, and spending time with friends, others are unhealthy, like addictions, eating disorders, and self-destructive behaviors.

    Discover the root causes of binge eating disorder and some binge eating treatment to stop binge eating.
    Many people who binge eat have experienced trauma in their lives, such as abuse, assault, a life-threatening accident, witnessing a serious crime, or experiencing war. 

    Hormonal Irregularities

    Research has shown that high weight associated with binge eating is related to metabolic processes that can increase hunger, prevent you from feeling satisfied after eating, and sometimes even control one’s food preferences.

    For example, when leptin is released in the body, it sends signals to the hypothalamus that tell your brain you are full. Leptin levels have a direct relationship with body weight because weight gain can lead to leptin resistance.

    Another significant hormone that is related to binge eating is grehlin. This peptide hormone serves a critical role in energy balance that impacts binge eating.

    Grehlin contributes to the pleasure that people get from eating, especially when eating energy-dense foods that are high in fat and sugar. Elevated levels of this hormone can cause a significant shift in food preferences to these high-calorie foods.

    In animal studies concerning binge eating, grehlin has a positive association with increased reward signals in the brain when eating high-fat foods.

    Social Pressures

    Most of us care about what other people think. Social pressures in friendship groups often lead to the spread of binge eating, especially among athletic teams, cheerleading squads, and sororities.

    Groups develop their own social norms regarding appropriate behaviors, and if eating and losing weight are important to the group, norms will emerge that define how much, when, and with whom people eat. Displaying counter-normative behaviors in groups such as these can result in rejection.

    History of Dieting

    Those with a history of dieting may believe that dieting is the solution to their weight problems. The truth is, their habits of dieting are often the culprit.

    They often have an unhealthy relationship with food that works in a cycle of binging and then dieting and then binging again. Fortunately, healthy food rules can be learned so people no longer feel the need to diet or binge.

    Also, for people who have gone on crash diets in the past that worked for a short period of time, they may retain the idea that they can always go back and do a quick crash diet after a period of binging to “undo” the harm that they have done. This is unhealthy and not sustainable in the long run.

    Let's explore the root causes of binge eating disorder, binge eating symptoms and some tips on how to stop binge eating.Let's explore the root causes of binge eating disorder, binge eating symptoms and some tips on how to stop binge eating.
    Binge eaters have an unhealthy relationship with food that works in a cycle of binging and then dieting and then binging again. 

    Common Consequences of Binge Eating

    Weight Gain and Higher Health Risks

    Constantly binging and “punishing” oneself by restricting healthy food intake or doing extreme exercise can negatively impact your health. Weight gain is a common symptom of binge eating, considering that about 65% of people who binge eat are overweight.

    It is easy to put on weight when you eat a lot of food in a small amount of time without exercising the calories off. This weight gain may lead to heart disease, stroke, type 2 diabetes, cancer, arthritis, high blood pressure, high blood sugar, and unhealthy cholesterol levels.

    But trying to counteract your binge eating by depriving your body of the nutrients that it needs or exercising to the point of exhaustion on a regular basis is also a health concern that can lead to malnutrition and injury.

    Allow yourself to have healthy fruits if you are craving sweets, or some crunchy vegetables when you want some texture. You can’t starve your body of the nutrition that it needs to function.

    When it comes to exercise, your point of overdoing it may be different from someone else’s, but you must first look at your intent in exercising to see if you are doing it for the right reasons and in a healthy manner.

    Emotional Problems and Social Isolation

    A lot of people who binge eat feel ashamed of their weight, which leads to low self-confidence, which then again leads to overeating. Often, binge eaters are secretive about their eating habits because the shame that they feel about the disorder isolates them from others.

    Eating disorders such as binge eating often co-occur with loneliness, which means people may engage in binging behaviors because they are emotionally and physically isolated and are seeking a sense of acceptance and control.

    People who suffer from binge eating often avoid situations where food will be served because they are afraid of overeating or they want to avoid questions and looks from others if they don’t eat at all.

    People also start to distance themselves from friends, family, and partners so they can spend more time binge eating. Many decline social obligations because they are uncomfortable with their bodies and don’t want to feel judged.

    Learn what is binge eating disorder and some tips on how to stop binge eating.Learn what is binge eating disorder and some tips on how to stop binge eating.
    Binge eaters are secretive about their eating habits because the shame that they feel about the disorder isolates them from others.

    5 Proven Strategies to Stop Binge Eating

    1. Stop depriving yourself.

    This means stop doing restrictive diets and giving in to cravings. It may sound counterintuitive, but actually giving in to your cravings could well be the key to avoid overeating. But it is important to indulge in moderation.

    When you stop eating all of the foods that you enjoy, you are much more likely to give in and binge. Instead of extremely restricting your diet, follow a flexible plan that lets you have a few treats. If you eat a little of what you enjoy on a regular basis, you are less likely to binge eat.

    Check out our reviews of healthy food products you can enjoy:

    Chronic dieters are known to deprive themselves, which ultimately sets them up for failure. When your body is in a deprived state, it thinks that it is in starvation mode, so your metabolism slows down and your body stops burning fat and stores it in order for you to survive.

    Starving yourself by depriving yourself doesn’t work either. When you deprive yourself, you end up in a worse position than where you started because the deprivation turns into an obsession, and when you give in (which you will), your binge could carry on for weeks.

    It’s better to allow yourself to have what you want to eat now (in moderation), and upgrade the overall quality of your food to create a balance.

    2. Start loving who you truly are.

    Pressures from society often make people feel inadequate. But when you begin to accept yourself for who you truly are, society’s labels and other people’s opinions about you will no longer matter.

    You have to forgive yourself for the unhealthy eating that you have done in the past because it can’t be changed. But you can learn from those mistakes and start to love yourself for who you are rather than what you perceive yourself to look like.

    Once you love yourself as a person, you will be able to heal the relationship that you have with food and your body.

    You can learn new ways to cope with any physical, emotional, and social stressors that come your way without turning to food. You will also learn to understand why you binge eat, and find ways to better address your needs.

    You will be able to get your needs met without turning to food when you love who you truly are. Your happiness will be so deeply rooted that food and your outside appearance become trivial parts of life.

    Learn the causes of binge eating and some tips on how to stop binge eating.Learn the causes of binge eating and some tips on how to stop binge eating.
    Forgive yourself for the unhealthy eating that you have done in the past and learn from those mistakes and start to love yourself for who you are.

    3. Learn to de-stress.

    Not all stress are the same. But not knowing how to manage your own reactions in a stressful situation is one of the known triggers of binge eating. Avoid this pitfall by learning new habits to reduce stress.

    When some people feel stress coming on, they feel a rapid heartbeat or a queasy feeling. But just as receiving not-so-constructive criticism or bad news from a friend can bring these symptoms on, you have the power to shut these symptoms down.

    Some common things that people do in order to make their bodies relax include going for a walk, doing some deep breathing, visualizing a peaceful place, listen to music, and reading.

    Whatever method you can find that works for you is great. Once you do find a way to decrease the stress you are feeling, start replacing your eating habit with your new, healthier coping mechanism.

    It is important to remember that using food as a coping mechanism to de-stress is a temporary fix that will end up making you feel worse in the future.

    Once you have found your healthy method of dealing with stress, you will probably be less resistant to stressful situations because you will know that you can power through them.

    4. Listen to your body.

    This may seem like simple advice, but it is critical when you are trying to overcome binge eating. Our bodies give us signals when we need something—for example, the flu could be our bodies’ way of telling us we need to get some rest. It’s the same with nutrients—our bodies know what we need.

    Cultivate intuitive eating instead of compulsive eating. In our fast-paced society, we are very bad at listening to what our bodies are telling us about hunger. Often, our meals revolve around our schedules, with minimal thought given to the times that our bodies are actually hungry.

    We grab a quick bite on the go (which may not even be satisfying), and then may not eat again for several hours—at which point we are so hungry that we reach for anything in sight. Take the time to listen to your body and feel when and what you need to eat throughout the day.

    Once you start getting the hang of this, it will be easy to plan ahead. You can develop a routine for your meal and snack times, and keep healthy snacks with you during the day so you can just grab them and go.

    Here's some binge eating disorder help with some tips on how to stop binge eating.Here's some binge eating disorder help with some tips on how to stop binge eating.
    Listening to your body is critical when you are trying to overcome binge eating. Our bodies give us signals when we need something.

    5. Practice mindfulness.

    Being mindful can curb the urge to binge eat. Mindful eating focuses on feeling and paying close attention to the physical sensations, thoughts, emotions, and external environment that co-occur with eating.

    This common approach is taught in recovery for binge eating disorder because many people find practicing mindfulness to be helpful when dealing with the urge to binge.

    Mindfulness revolves around being aware of the current moment and accepting any thoughts and feelings without judgment as they pass.

    Originating from Buddhist meditation, the integration of this practice into the Western world has been helpful for countless people suffering from a wide variety of conditions.

    Practicing mindful eating can increase a person’s awareness of their thoughts, emotions, feelings, and behaviors. Eating disorders are often used to numb emotions, but people who are practicing mindfulness reflect on their feelings or experiences prior to a binge, and possibly prevent the binge from happening.

    Mindful eating may involve asking yourself questions such as “Am I really hungry, or is there something else that I need right now?” and “What are my current feelings?”

    Reflecting on these questions can help people move past urges to binge, and instead, identify what they truly need in order to adequately nourish their bodies and minds.

    Final Thoughts on How to Stop Binge Eating

    Binge eating is a formidable opponent but armed with knowledge and a toolbox of coping mechanisms, you can regain control and foster a healthier relationship with food.

    Remember, the path to overcoming binge eating is a journey, not a race. Be patient with yourself, celebrate the small victories, and seek support when needed.

    Each positive step you take, whether it’s practicing mindfulness, understanding triggers, or reaching out for help, brings you closer to a place of balance and well-being.

    The more we honor and accept ourselves as we are, the more positive our lives will become. If you implement the five strategies that we just outlined, you will have taken that first step to stopping the binge eating habit, and to creating a more positive existence.

    And if you’re looking for healthier ways to cope with life’s challenges, be sure to read these articles:

    stop binge eating | how to stop binge eating | helpful tips to overcome binge eatingstop binge eating | how to stop binge eating | helpful tips to overcome binge eating

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    S.J. Scott

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  • 5 Bad Money Habits to Break Today

    5 Bad Money Habits to Break Today

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    There might be affiliate links on this page, which means we get a small commission of anything you buy. As an Amazon Associate we earn from qualifying purchases. Please do your own research before making any online purchase.

    Do you have bad money habits?

    Are you constantly broke? Needing to borrow money to make ends meet? Spending far more than you should. Impulse buying? Have no idea what a balanced budget looks like? (much less how to make one.)

    If any of the above bad money habits sound familiar, you need to take better control of your finances. Or at least learn some lessons to not fall into the major money bad habit traps.

    Micromanaging every aspect of our lives is an impossible task.

    We just can’t do everything that needs to be done, or we would have no time to do everything.

    I am not a CPA and I do not expect you want to become one either. You do not need to become a financial expert by any means. This post will not teach you that level of financial mastery.

    What this post will teach you is how to avoid a few very common mistakes people make with regards to their money. Simple things we all face that waste our money along with realistic (meaning: achievable) plan of action to address these issues

    Let’s get to it…

    5 Bad Money Habits You May Be Guilty of

    There is no judgment in these bad financial habits. They are on this list because they are bad money habits that many people do.

    These are not the actions of outliers, like spending money on cocaine and loose women. They are ways that 90% of the people, all of us, basically, could use to tighten up our finances.

    By no means am I perfect? I fall in these money traps from time-to-time myself. Even though I realize they are not good habits. The important part is to realize these bad habits and try to avoid them most of the time.

    Your wallet will love it if you are able to keep away from these bad money habits 90% of the time

    1. Running Out of Household Supplies and Kitchen Staples

    Do you wait until you’ve run out of a household, personal care or kitchen items before you replace them? If so, you’re losing money.

    When you wait until you deplete a consumer product, you have to pay whatever your local store happens to charge for it. If you plan ahead, however, and buy products when you can get a discount via sales and coupons, you can save 20% or more on things like batteries, toilet paper, pet food, and cleaning supplies.

    You may have heard about “extreme couponing,” a practice of collecting as many coupons as possible and then tracking stores for sales.

    great quotes about money

    When the “couponer” can get a good deal by combining one or more coupons with a discounted price, he or she heads to the store and buys that product, often in large amounts.

    Some extreme couponers have rooms in their homes dedicated to their “inventory” of products that they’ve acquired for pennies on the dollar through couponing.

    While you don’t have to go to such extremes to save money, there is some wisdom in buying household goods when the price is right, rather than when you need the product.

    Keep an eye out for coupons and sales online, in stores, and in newspaper circulars. When you find a good price on an item, head to the store, preferably with coupons in hand for additional savings.

    Also, you may want to explore couponing apps like “Honey”.

    2. Using Credit and Debit Cards for Everyday Purchases

    Debit and credit cards have their advantages: You don’t have to worry about your cash being lost or stolen, and sometimes, you can get great perks (like airline miles or cash back) on your purchases.

    The trouble is that using plastic instead of cash can make it harder for you to track how much money you’re spending.

    While it’s understandable that you may not want to carry around large amounts of cash, always using debit or credit cards for small, everyday purchases is a habit that may adversely affect your finances.

    If you’re not sure whether using plastic negatively impacts your spending, consider taking a month off from using debit and credit cards. Pay larger bills with online bill payment through your bank and carry small amounts of cash for other purchases.

    Once you’ve given cash a try, you’re better able to determine whether always using plastic is hurting your ability to budget effectively. If using cash isn’t an option, consider using a personal finance app that categorizes and tracks your card-based spending, giving you an idea of where your money is going.

    Some chatbots even exist nowadays that offer you as thorough and insistent tracking (read: guilt-inducing) of your expenses as you want.

    3. Frequently Eating Out

    There’s nothing wrong with the occasional coffee at Starbucks or lunch with colleagues.

    But if you have a habit of always buying your morning coffee from a shop, buying your lunch from a food truck, or ordering takeout for dinner, you’re likely spending a lot of money that could be saved or used for better purposes.

    As with many bad habits, eating out frequently often stems from a failure to plan ahead. For example, many people buy their morning coffee or lunch at a place near work because they didn’t take the time to pack a lunch or pour a travel mug full of coffee or tea before leaving for work.

    If packing a lunch is more than you can handle, consider spending a few hours each week preparing and freezing lunch items (such as wraps, frittatas, casseroles, and soups) that you can take with you to work each day.

    Another option is to buy a sealed container, put your name on it, and then pack it with sandwich fixings (bread, lunch meat, cheeses, condiment packets) at the beginning of each week. Put it in your office refrigerator and make yourself sandwiches for lunch.

    To avoid excessive coffee spending, consider buying an automatic drip machine. These machines make coffee quickly. Many also have a timer feature that lets you add coffee and water before you go to bed, providing freshly brewed coffee as you wake up. Have a cup at home, pour the rest into your travel mug, and away you go.

    Avoid excessive spending by finding money-draining habits and replacing them with good ones.Avoid excessive spending by finding money-draining habits and replacing them with good ones.
    Avoid excessive spending by finding money-draining habits and replacing them with good ones.

    If you go to restaurants often or have food delivered multiple times a week, chances are that you don’t have much food in the house or, even if you do have food at home, you don’t have any idea of what you’re going to do with it. You can address these tendencies with weekly meal planning.

    Before going grocery shopping, sit down and plan your meals for the rest of the week. If you don’t have the time to cook every evening, prepare meals ahead of time.

    There are tons of recipe sites online that feature affordable “freeze-ahead” or “make-ahead” meals. Invest in some decent food storage containers and get cooking. You’ll not only save money but since you control both ingredients and portion sizes, you may end up losing a few pounds if that’s what you want to do.

    4. Impulse Purchases

    Every day you are surrounded by opportunities to buy things online and in physical stores. It’s so easy to hit that 1-Click button on Amazon or pick up a cheap pair of sunglasses when you run into the drugstore to fill a prescription.

    But as you probably already know, these little purchases add up to some serious numbers. You can end up spending hundreds, possibly thousands, of dollars each year on stuff that you don’t need because you have a habit of buying things that just happened to catch your eye.

    Again, advance planning is your best defense against impulse shopping. Get out of the habit of buying things that you may not need by turning off the 1-Click button and writing up a shopping list before you go into a store.

    If you end up having to make an emergency purchase for something you truly need, buy that item and that item only. The product that caught your eye will very likely still be there tomorrow.

    5. Spending Everything You Make

    If you are a person who lives paycheck to paycheck, even though you earn enough to cover your needs and put some money into a savings account, you’ve developed a habit that likely stems from when you were making less money.

    If you spent a couple of years earning a very low, entry-level wage, it may have been difficult to save money. Unfortunately, this means that you may have become comfortable with having no money at the end of a pay period.

    For many people, when they start to make more money they experience lifestyle creep and still spend all their money. Watch the video below to learn how to avoid it.

    Now is the time to get uncomfortable with the situation and start a savings and investment plan.

    If you have never had to stick to a budget before, speak with a financial counselor who can offer a plan for paying down debt and setting up investment accounts. They can also assist in developing a budget that takes your wants and needs into account.

    Final Thoughts on Bad Money Habits

    The trouble with bad money habits is that they can sometimes be difficult to identify. This is because you’ve become so used to them, it’s hard to understand the negative impact they have on your life.

    Once you do identify them, however, you’ve taken the first step toward eliminating these bad habits and creating new, positive behaviors.

    And if you’re ready to improve your financial situation, start with by reading these articles:

    Eileen Fowler climbed her way out of the hole of debt she once lived in, and is now devoted to helping other people avoid making the same mistakes as her by being preemptively smart about their financial habits.

    bad money habits | break bad money habits | stop bad money habitsbad money habits | break bad money habits | stop bad money habits

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    Eileen Fowler

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