Month: June 2017
How To Diet: DON’T
You’re reading How To Diet: DON’T, originally posted on Pick the Brain | Motivation and Self Improvement. If you’re enjoying this, please visit our site for more inspirational articles.
HOW TO DIET: DON’T
Have you been searching for the perfect diet? Reading all those diet plans people are trying to sell to you, and struggling to pick or choose which one would help you the most? Well let me tell you the secret to successful dieting…DON’T.
How to Not Diet
At least, not in the traditional way. You see, people that make diet plans, food replacement pills, or magic weight loss programs are, surprise, just trying to get money! You are looking to better yourself and achieve a higher level of health, and all these salesmen are just waiting like vultures to pick your pockets dry!
Who do you trust? What do you do? I’ll tell you…don’t pay a single cent for someone to tell you how to eat. Why? Because the key to great health is simple…and I’m going to give you the secrets for FREE right now.
Understand Your Body
Your body works like a car. You fill it with fuel, drive it around, and refill it before it sputters and dies. Graphic, I know, but simple and true.
Now, your body is a little bit more complicated than a car and uses different fuels for different things. If you fill up your body with an overload of just one fuel, it will malfunction.
Therefore, you need a special diet. A diet that has been dead for years and years.
You need…a balanced diet.
That’s it. That is the big, not so- secret people have you pay hundreds for. You don’t need to stop eating sugar, become a vegetarian, or worship kale. All you should ever worry about, unless you really enjoy the science of hormones and vitamins, is not eating too much of one thing.
That is the magic formula for eating correctly. You’re welcome.
Eat Sugar
Balanced eating, however; is often misunderstood. People go straight to the food pyramid and realize there isn’t a dessert section…suddenly everyone is up in arms about how terrible sugar is and you can’t eat it.
This is not true. Too much sugar is bad for you yes, but too much kale is bad for you as well.
Therefore, Eat sugar.
Just eat it sparingly.
Why?
My coach used to tell us during season to eat more carrots, but to eat some form of dessert once a week. When I asked him why, he explained it this way:
Say your body gets used to only eating carrots throughout the season, but then one day season ends and you eat a big mac with a large frosty. What kind of reaction do you think your body is going to have?
My coach would put it this way, “Your body will go through everything you eat, sorting out your food…carrots…more carrots…still carrots…holy sh*# what is this?!” Suddenly your heart gives out because your body hasn’t had that much grease and sugar for so long, it doesn’t remember what to do with it!
This same idea works with dieting. Can you honestly say you are giving up sugar forever? No. Eventually you will crack and eat ten pieces of cake (it happens to us all) and your body is going to freak out.
Instead, have a “cheat day” where you can eat sugar and grease in small portions (one or two pieces of cake) rather than binge eating after a sugar diet.
I Know You Know, Do You?
Now there is one more tool you need for successful not-dieting: Exercise. Crazy, right? First balanced eating and now exercise? Well it’s true. People spend so much time worrying about eating too much when all they need to do is burn more calories, not starve themselves.
You already know this so I won’t spend a lot of time on it. But here are some helpful insights to get you started.
Best Way to Not-Diet Exercise
Now imagine this: You decide right now that you are going to run a mile and do 10 push-ups every day. No matter how long it takes you or how painful it is. If you stuck with this for two weeks guess what would happen…it would be easy!
You would be stronger and healthier, which would allow you to bump it up to a mile and a half plus 20 push-ups. Suddenly, a month later you are twice as strong, healthy, and/or skinny.
It is that simple.
You don’t have to be superman, run ironmans, or deadlift a thousand pounds. Just run a mile and keep adding distance. This is another dirty little secret that dieting sites don’t want you to know.
Be Smart
So now what? Are you going to keep shopping for diet plans, magic pills, and kale? Or are you going to use these powerful tools and make yourself healthier, stronger, and happier for FREE? It’s up to you, but I would recommend trying the FREE way first. Stick it to the salesmen vultures, be confident, and get healthy. You can do it.
Devin Gray is a motivated athlete on a journey to help others in their quest to fitness, health, and happiness through free advice on the topics of mental toughness, fitness, and nutrition. Check out his website: http://ift.tt/2tn6gsY
You’ve read How To Diet: DON’T, originally posted on Pick the Brain | Motivation and Self Improvement. If you’ve enjoyed this, please visit our site for more inspirational articles.
The Nineteenth-Century Trump
Donald Trump has often been likened to Andrew Jackson; this is welcomed and encouraged by Trump himself. An important parallel between Trump and Jackson lies in their efforts to reshape the political organizations of their time, though Trump does not seem to have Jackson’s knack for political decision-making. The most important parallel between Trump and Jackson lies in their rallying the white working class against ethnic minorities.
Studio Puisto Have Designed a Stunning and Incredibly Unique Hotel in Rovaniemi, Finland
Studio Puisto have designed this stunning and incredibly unique hotel in Rovaniemi, the capital of Lapland, the northernmost province of Finland – and the coldest. The hotel was designed in 2016 and covers a total area of 1,450 square meters. The concept for the Arctic TreeHouse, as it is called, came inspired by Nordic nature and culture as well as from the nearby Santa Park, an amusement park and visitor..
The post Studio Puisto Have Designed a Stunning and Incredibly Unique Hotel in Rovaniemi, Finland appeared first on HomeDSGN.
With massive granite towers stretching skyward and…
With massive granite towers stretching skyward and building-sized boulders scattered in valleys, there’s no need to ask how City of Rocks National Reserve in Idaho got its name. Dramatic geological features make for excellent nature study and even better climbing. You can also learn about unique plants, wildlife, and the history of Native Americans and early settlers at this fascinating park. Photo by National Park Service.
6 Simple Habits For More Productivity, Happiness And Fulfillment
Research tells us that willpower is like a muscle. You can work on making it stronger, but you can’t keep it flexed forever.
In other words:
Willpower is a limited resource.
There’s no better use of one’s willpower than on forming the right habits. The right habits serve as the bridge between where you are and where you want to be. Once those habits are formed, you don’t have to exert willpower on them anymore. Your journey towards success is effectively put on autopilot.
Try and adopt at least one of the following six productivity habits and reap the fruits of increased happiness and fulfillment.
Join the 5 a.m. club
“Early to bed and early to rise, makes a man healthy, wealthy, and wise”
– Ben Franklin
Waking up early is a habit common among the world’s highest achievers. Theodore Roosevelt, Benjamin Franklin, Ernest Hemingway, Immanuel Kant and Thomas Jefferson are all examples of men who were early risers.
Turns out:
Several studies have correlated waking up early with success.
In a 2008 Texas University study, college students who woke up earlier earned a higher point than those who study and sleep late (3.5 vs. 2.5).
Also, Harvard biologist Christoph Randler found that early risers are more proactive and more likely to respond positively to statements like “I spend time identifying long-range goals for myself” and “I feel in charge of making things happen.”
And if that isn’t enough, psychology research also tells us that early risers are happier and healthier than night-owls.
When you wake up early, there are less distractions and more time for you to focus on planning your day and doing what needs to get done.
Check out this actionable guide to discover how to burst out of bed every single morning.
Meditate Daily
“The thing about meditation is: You become more and more you.”
– David Lynch
After interviewing more than 200 world-class performers like Jamie Foxx, Arnold Schwarzenegger and Amelia Boone for his podcast (The Tim Ferris Show), Tim found that the most consistent habit among his guests was some form of daily meditation or mindfulness practice.
Meditation is a practice that is a thousand years old. Only recently has science begun to discover the profound effects that it has on the brain.
A group of Harvard-affiliated researchers reported that, over time, meditation can increase the brain’s gray matter. This is the region of your brain associated with decision-making.
What is life but a sum total of your decisions?
If something as simple as 10 minutes of daily meditation can improve the quality of your decisions, imagine what it can do for your overall quality of life.
Meditation has also been shown to reduce stress, improve concentration, increase self-awareness, slow down aging and increase happiness. It’s a habit that can improve every area of your life.
Don’t know where to start? Check out this beginner’s guide to meditation.
See Also: Benefits Of Meditation: How You Can Change Your Life In 10 Minutes
Read for 30 Minutes Everyday
“Employ your time in improving yourself by other men’s writings, so that you shall gain easily what others have labored hard for.”
– Socrates
I compare reading to taking the red pill because it’s what snapped me out of the matrix of societal conditioning. Reading the works of great men and women showed me the extent of what’s really possible.
When we hear about Richard Branson in the media, we see him as the cool and suave, self-made billionaire. However, when you read his autobiography, you’ll learn about the mistakes he made, the obstacles he overcame and the lessons he learned. It has a sort of humanizing effect on him and you’ll realize that what one man can do, another can do as well.
Expose yourself to a wide variety of books and ideas to develop a dynamic and empowered perspective on life.
Need help getting started? Check out this step-by-step guide on how to read more.
Practice Gratitude
“Gratefulness is a higher organ of perception, through which you can accurately appreciate a fundamental truth: the universe works in mysterious ways, and you’re the constant beneficiary of its generosity.”
– Phil Stutz
Practicing gratitude teaches us to love the life we have while in pursuit of the life we want.
It’s human nature to compare ourselves to those who have more than us. But, when we realize the simple miracles of everyday life (e.g. access to clean water, the ability to walk, a warm bed to sleep in, etc.), it puts things in perspective.
The power of gratitude has been demonstrated in multiple studies. Here’s one that I like in particular:
Researchers brought participants into a lab and asked them to write a few sentences each week focused on a particular topic. One group wrote about the things they were grateful for while the other wrote about daily irritations or things that displeased them.
After about 10 weeks, the participants that wrote down what they were grateful for were more optimistic, felt better about their lives, exercised more and visited their physicians less.
Practicing gratitude literally changes your brain and makes you a happier and more fulfilled person. Make it a habit to write down 5 things that you’re grateful for every single day.
Skip Breakfast
“Since I’ve started intermittent fasting I’ve increased muscle mass, decreased body fat, increased explosiveness, and decreased the amount of time I’ve spent training.”
– James Clear
This habit might come as a shock to you. After all, we’ve all heard that breakfast is the most important meal of the day. This idea, however, is quickly being laid to rest as the benefits of intermittent fasting have become too many to ignore.
See Also: Breaking the Fast: What I Have Learned Using Intermittent Fasting
Did you know that digestion is actually one of your body’s most complicated and intensive functions? That’s right.
By skipping breakfast, you extend your overnight fast and allow your body to focus its resources on other important tasks, like controlling blood sugar and facilitating cellular recovery.
Furthermore, a short-term fast can boost testosterone and growth hormone levels. These two factors can seriously enhance your progress when trying to lean down.
Intermittent fasting (IF) is not a diet. It is a pattern of eating. To get started with IF, you only have to follow one rule:
Eat within a 6-8 hour window.
So, if you wake up at 8 a.m., simply skip breakfast and have your first meal between 12-2 p.m. Have your final meal between 8-10 p.m. It’s as simple as that. For a more intensive resource for, you can check out James Clear’s guide.
Since adopting IF, my productivity has also shot up. My body is not involved in digestion and I find myself more focused on work. By the time I have my first meal, I’ve already gotten so much work done that the rest of the day is pretty much just a bonus.
Make Your Bed
“If you want to change the world, start off by making your bed.”
– U.S. Navy Adm. William H. McCraven
Making your bed in the morning will set the tone for the rest of your day. As the first task of the day, it will set the momentum for your next set of tasks. By the end of the day, it will be like a domino effect that has carried over.
As McCraven mentions in his University of Texas commencement speech:
“Making your bed will reinforce the fact that the little things in life matter. If you can’t do the little things right, you’ll never be able to do the big things right. And, if by chance you have a miserable day, you will come home to a bed that is made – that you made. And a made bed gives you encouragement that tomorrow will be better.”
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Francis Spufford: The Benign Dicator
“Slush for small minds, sir. Pabulum for the easily pleased.” That is Tabitha Lovell’s opinion of novels; unhappily for her, she is a character in one, Francis Spufford’s new book, Golden Hill. Fortunately, however, Golden Hill is a delight: largely set in 1746 Manhattan, it tells the story of Mr. Smith, a young Englishman who shows up with a note saying he is owed a thousand pounds, and finds himself an object of suspicion for most members of the still-rather-small colonial city, including the sharp-tongued but flirtatious Tabitha; her father, who may have to pay the bill; the governor’s secretary, Septimus Oakeshott; and Septimus’s secret lover, Achilles, the governor’s slave. The tale of the mysterious Mr. Smith, published last year in the United Kingdom, was named the best novel of 2016 by the British Sunday Times.
It also won the Costa Book Award for best first novel, despite arguably being Spufford’s second novel, after the hard-to-classify Red Plenty, his engrossing, ambitious retelling of the early years of the Soviet Union. (“It’s like a rigid tree of historical explanation with nice, juicy fictional fruit growing on it,” Spufford suggested of that book.) Before that hybrid work, Spufford spent a couple of decades writing nonfiction on a dizzying array of subjects, including British inventors (Backroom Boys), polar exploration (I May Be Some Time), a defense of Christianity (Unapologetic), and a personal history (The Child That Books Built).
I spoke with Spufford on a Skype connection to his home in Ely, an English town just north of Cambridge. (He sent a friendly email in advance of the conversation, warning, “I’m an Englishman who struggles with wearing a tie, and other really basic types of form and ceremony.”) Spufford slouched in his chair as words came tumbling effortlessly out of him. “I’m the king of my books, I’ll have you know,” he said with amiable hauteur. He laughed, and reconsidered — toning down his bravado, but only slightly. “The benign dictator for life, anyway.” The following is an edited transcript of our conversation. — Gavin Edwards
The Barnes & Noble Review: Do you have an ideal reader?
Francis Spufford: No. I’m writing the books I want to exist because I’d like to read them, so maybe there’s a mirror image of me on the other side of the table. But whoever it is, ideally, they should be a glutton for irony. They should like story for the sake of story — and long, intricately braided and knotted sequences of events. They should be curious. They should like weird facts for their own sake, and they should also like the taste of language in the mouth. They should be the kind of person who opens a dictionary and goes, Ooh, it’s a picnic.
BNR: Your books’ subjects have ranged from polar exploration to the economic history of the USSR — how did you end up with such a broad remit?
FS: The things I’m interested in writing about are very often things that don’t fall within my tastes and my temperament. I like reaching out over the edges of myself because that’s more interesting.
BNR: So how did you end up writing about Manhattan in the 1740s?
FS: A random effect of visiting New York: suddenly realizing that once you got down below the grid, the southern tip was strangely like the city of London, down to the same street names. And like the city of London now, also burned down by great fires. So you’ve got a pre-modern net of lanes with enormous glass temples of international finance growing out of them. And I thought, heavens, this is still haunted by the city that was.
I got a photocopy of an eighteenth-century street map and tried to walk lower Manhattan to see if it was still there. And it kind of is, apart from the fact that the shoreline has gone outwards about a block all the way round. There’s nothing above ground level so far as I could see, apart from the tombs in Trinity Church and Bowling Green — which has the same railing around it, although the crowns were snipped off the top with the Revolution.
BNR: Oh, Bowling Green must have literally been a bowling green.
FS: It was, for the colonists to enjoy on Saturday afternoon. Imagine men in wigs and ladies in full skirts playing skittles there. And I thought, there is a buried sisterhood between this city and London. Wouldn’t it be interesting to think about the moment before one shared Anglo-American identity split into two different things? But I also had a story I wanted to tell, and I realized the setting and the story would fit very nicely together.
BNR: The story had been bubbling in a separate pot?
FS: The pot that it eventually went into seems so inevitable now that it’s slightly difficult to remember. But I did have bubbling away in my mind a storyteller’s question: What would happen if a con artist fell in love with a compulsive liar? Those are not accurate descriptions, as it turns out, of either Mr. Smith or of Tabitha. But that was my starting point: two people who are unable to tell the truth to each other but who are doing the dance of mutual attraction. What would happen there?
Then I thought, this needs to happen in a very small setting, the classic village of fiction where everybody knows everybody’s business. There should be a stranger coming to town, and the stranger should be from a city. The stranger should be convinced that he’s a sophisticate among the rubes, but actually he’s somebody who has no idea how to cope in an environment where everybody knows everybody’s business.
BNR: There’s a line in the musical Hamilton that New York City is “the greatest city in the world.” While that’s flattering to Broadway audiences, I don’t think most people in the eighteenth century thought of New York as the greatest city in the world.
FS: They didn’t. The strange thing is that it was urban in feeling, even though there was hardly any of it. But Philadelphia was the financial center; New York was this slightly provincial place that exported flour to slave plantations down in Barbados and Jamaica. And in return, turned sugar into rum. Not cosmopolitan. On the contrary, rather suspicious and narrow, Anglo and Dutch and African and very suspicious of the outside world, particularly if it spoke French.
In some ways, satisfyingly the opposite of everything you associate with New York City now. Very small rather than huge, ethnically exclusive rather than a vast melting pot. Very pious rather than being possibly one of the secular places on earth. Very closed and paranoid about the outside world rather than open and curious. And yet, to my fascination, I could still see a recognizable New York−ness in the New York of the 1740s. Even when you can walk end to end in ten minutes, even when everybody in it thinks they’re British or Dutch, there is still something about it as a deal-making city living on its wits, already sure that it’s the center of something, even if they don’t know what yet.
BNR: And it was littered with coffeehouses.
FS: Only two! There were two rival coffeehouses, which is why Mr. Smith is confused, given that London has got hundreds of the things. That’s all you needed to cover the population. There was one slightly more glamorous and high-end coffeehouse, which is the one Mr. Smith does his coffee drinking in. And one slightly down-market rival, and the rest were basically cellars where you could drink gin.
BNR: There are some interesting moments when your narrator is trying to catch up with the action of a card game or swordplay. I don’t want to give the identity of the narrator away . . .
FS: That particular secret I’m going to try and keep back even though, you know, it takes one second on the Internet to find this stuff out. I’m going to behave as if there’s still a point in putting in spoilers. But what I wanted to happen was for the reader to work out gradually that there’s actually a game going on inside the game. What you think is a classic omniscient eighteenth-century narrator, like Henry Fielding in Tom Jones — he knows everything about everything and can launch into a charming, rambling disposition about it at any moment — rather than being that, you would gradually realize that the voice of the novel was literally a voice and that somebody was speaking to you. And of course, to make it satisfying, that has got to be somebody you know from within the cast. And the clues are supposed to build up gently, like the first flakes of snow falling to the ground. It’s a very wintry novel.
BNR: What unites your diverse catalog of books?
FS: Not a lot. I’m a really slow writer. The un-mysterious truth is that by the time I’ve finished laboring my way to the end of a book, I’m ready for a change of subject. Possibly something has appeared in the corner of my eye, an illicit indulgence I shouldn’t be thinking about because I should be finishing this thing. But there’s usually some kind of thread. My next novel is about London, because London has been in my head because of thinking about Mr. Smith being a Londoner
Before that, there is, strangely enough, a connection between Golden Hill and my previous book, Red Plenty: they’re both novels about economics. They’re novels in which the way people deal with money is kind of a big part of the human story, only I’ve gone from twentieth-century Russia and long-lost utopian fantasies about what Communists could do with computers, back two centuries to the even-longer-lost world of how people transmitted money round the globe in the centuries before the Internet, before Western Union, before instantaneous communications. How on earth, short of physically moving a large steamer chest full of gold coins, do you move a large sum of money across the Atlantic in the eighteenth century?
They had answers to this question. But they depended fascinatingly on relationships of trust and on paper trails and on what economists would call symmetrical information, where each party in the transaction knows about as much as the other. If one of those things goes wrong, if somebody is keeping secrets or there’s a reason not to be trusting, then you’ve got a story.
BNR: Does writing induce the same fugue state for you that reading does?
FS: When writing’s going well, it doesn’t seem to have any discernible sensation at all. You’re aware of the work rather than being aware of yourself — until hours have gone past and you need the bathroom or you’ve suddenly discovered you’re hungry. And in some ways, that is very like my childhood experience of being lost in somebody else’s book.
Weirdly, I don’t read like that very much as an adult now. I’m much more easily distractable — thank you, smartphones, thank you, parenthood. Also I think I’m not sure I’m as good as I was a child at just being handed a world like that. I think I’m talking back to what I read more these days. I haven’t actually ever made that connection but on good days there is a connection between the way I used to read and the way I write.
On bad days, writing is an endless, chafing misery of self-criticism and frustration: I could never do this, it was an illusion for the last twenty years of being some kind of bizarre fever dream, and actually I am incapable of this. I am a laughable pretender, and it gets even worse when you go into a bookshop because it’s full of highly competent writing by other people.
BNR: Is this the room where you write?
FS: Not that often. I’m addicted to writing in cafes, because my coffee intake rivals Mr. Smith’s, and I like the gentle noise of a cafe around me. I find it easier to concentrate and tune in to the soundtrack of whatever it is I’m writing if there’s something human going on around. Whereas this room is very quiet and very beautiful and there’s an enormous cathedral outside the window, can you see that?
BNR: I can!
FS: My wife’s an Episcopalian priest, and she works just over there. But it’s almost intimidatingly lovely around here, so I seek out coffee and normality.
BNR: There was a line in your introduction to the anthology The Ends of the Earth: “Being in Antarctica is also a constant reminder of language’s secondary status, of description’s belated appearance on any scene.” I was wondering if the inadequacy of language for describing what is actually around us was part of the impulse that led you towards fiction.
FS: Yes. I am somebody who habitually lives both quite a lot in my head and quite a lot in words. And every now and again you get an important collision with everything which isn’t you and isn’t made of words. One of the reasons I was interested in ice and snow and wilderness, why I started my writing career, is that that was an environment that people could mythologize to their heart’s content, but it was also an environment that put up total silent resistance to the things people say about it. If you’ve ever been to the Arctic or the Antarctic, the idea that some polar explorer on some tiny ship could be in a position to say what all of that means is just ridiculous.
So I am both a language person through and through and somebody very much aware that words have limits. It seems to me that fiction, if you’re lucky, lets you do a kind of tricky judo on what’s not sayable, and you can throw the arms of words around lumps of what words actually can’t do.
BNR: What have you been reading and enjoying lately?
FS: I’ve got Lincoln in the Bardo in the stack beside my bed. I teach writing, so I’ve got a lot of student work underneath Lincoln in the Bardo, but they’re just going to have to wait until I get to the end. A lot of books about London, one way and another. I still haven’t read Donna Tartt’s third one; there’s a copy of The Goldfinch waiting for me to have time to do it properly. There is a steady flow of science fiction. Robert Jackson Bennett — City of Stairs, City of Blades, City of Miracles — he’s very good indeed. I rate a New Zealander called Elizabeth Knox, who writes both YA fiction and adult literary fiction. I read The Brief and Wondrous Life of Oscar Wao [by Junot Díaz] about ten years after everybody else did and I thought that was great. N. K. Jemisin, I’m reading the fantasy trilogy [the Broken Earth series] with seismology as its secret source. They’re marvelous. A British expat writer in New York called Felix Gilman, who wrote a completely wonderful book called The Half-Made World. I could keep going.
BNR: What has been the most surprising thing about the reception of Golden Hill?
FS: Well, my bar for success was set low, because I was genuinely apprehensive about letting go of the handrail of nonfiction and not having any verifiable real-world story to tell anymore. So my first ambition for the book was that it would not cause people to laugh and point in the street. I achieved that, I’m proud to say. But I was not expecting it to take off in the U.K. as much as it has. It has sold a large multiple of the amount any of my previous books has sold. It’s winning prizes. Total strangers are reading it and writing me letters about it in a way that suggests that they’re invested in the reality of the characters. They want to know what really happened at the end.
BNR: Do you have an answer to that question?
FS: Ummmm . . . maybe. The truth is I have a half-definite idea. I opened a whole can of futures at the end. I know that some of them didn’t happen. I would have preferences. Who am I to say, really?
BNR: Just wait a few years. Someone will offer a large check for a sequel, and you’ll find you have very definite preferences.
FS: Actually, I tried my best to eliminate the possibility of a sequel, with a combination of being destructively definite about some things and categorically vague about other things. I can actually see the possibility of a prequel in which Septimus and Achilles do espionage among the Iroquois.
BNR: See, you’re clever enough that you’re already finding ways to wriggle out your own straitjacket
FS: This is the trouble with the straitjackets you manufacture yourself. You know where all the straps and buttons are.
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Beautiful Structure Located in Chilmark, Massachusetts Designed for Gray Organschi Architecture
This beautiful structure is located in Chilmark, a town on Martha’s Vineyard in Dukes County, Massachusetts, United States. It was precisely this location which became the focus for its décor, as the home was designed with a multigenerational family in mind. The area, a former sheep herding field, with views to the vast Chilmark Pond, and where the Atlantic is also visible, is bordered by a series of stones that..
Waterfront Farm Residence in Canada Was Designed by the Architectural Firm Trevor Horne Architects
The Cobourg residence is a waterfront home located on the Canadian shores of Lake Ontario, one of the Great Lakes that sit at the border between the United States in Canada. As the owners had previously lived on a farm, they wished their new home to feel as similar to it as a modern home can feel. Taking this cue, Trevor Horne Architects, the architectural firm responsible for the home’s..
Staying Out Of Debt: 3 Money Habits You Should Be Doing
Falling into debt is easy. Repaying that debt is much harder.
A recent study found that more than a third of all Americans have personal debt that’s at least 180 days past due. While occasional overspending is common, most of these people see debt as a part of their lifestyle.
Debt can pile up for a number of reasons, but it’s particularly problematic when people make major purchases without concern for the consequences. Whether it’s buying a new flat-screen TV for the big game or committing to a costly vacation rental with friends, this you-only-live-once attitude can create major problems.
Once debt piles up, the interest payments and fees alone can be enough to cripple even the most responsible borrower. It’s a tough challenge, but the incentives for battling back to “even”- or avoiding debt in the first place- are tremendous.
Debt Is a Dirty Word
Carrying too much debt in relation to your income goes beyond making it a challenge to pay bills. It can also lower your credit score.
Late or skipped payments can make matters even worse. When you become a bad credit risk, it will become more difficult and expensive for you to borrow in the future. Lenders will look for any reason to be leery of an application so you could end up paying much higher interest rates. Skip enough payments and you could end up in court or dealing with the repo men.
But, it isn’t only lenders who look at credit scores. Cable and utility companies use them to vet potential customers, too. Landlords can sometimes consult your credit score to find out how reliable you will be about paying your rent. Anyone who thinks you’re a credit risk could charge you with a higher rate or deny you services altogether.
Some employers consult credit scores before making hiring decisions. Your resume might get your foot in the door, but your credit score could torpedo your chance of earning money to repay your debt.
The main reason to avoid being a chronic debtor is that it makes you feel crummy about yourself. People often lie about how much credit card debt they have. And these aren’t little white lies. We’re talking under-reporting to the tune of about $400 million. When confronted about those lies, people admit they feel a social stigma about having a hefty credit card debt.
3 Tactics to Manage Debt During Major Purchases
Staying out of debt isn’t as much fun as getting into it, but it’s important to think ahead when making any major purchase. With proper discipline and three simple habits, just about anyone can avoid debt while enjoying the finer things in life.
Buy only what you can afford
To determine what big purchases you can afford, create a monthly budget. First, calculate how much after-tax income you earn each month. Once you have that figure, add up the expenses you must pay on a regular basis. These are your “needs.”
Those needs should include your rent or mortgage, car loans, credit card debt and student loans. You can also include utilities, grocery bills and any other routine payments you make in this list. If a bill varies from month to month, such as groceries or utilities, average out your past three bills to create a ballpark figure.
Subtract your needs from your income and you’re left with a pot of discretionary money. As long as your basic needs are covered on a monthly basis, you can feel comfortable socking away that leftover money for big purchases.
Maintain multiple accounts
Consider maintaining separate accounts for different areas of your budget. You can have one for your living expenses, one for utilities and another for groceries. This will allow you to not exceed your monthly budget for each category while carefully tracking your spending patterns in various areas.
If you have a big purchase on the horizon, open a separate account to save toward your goal. You might set up an automatic withdrawal from each paycheck that deposits a small amount of money directly into that account. Once you hit your budgeted goal, you can feel go ahead and make that purchase.
See Also: Saving Money Basics: How to Build a Solid Savings Fund
Think outside the bank
It’s important to give yourself incentives for meeting financial goals. You can also consider tying big purchases to life goals.
For example, you could reward yourself with a new pair of running shoes if you’re able to commit to visiting the gym at least 15 times in the next month. Or, if you desperately want to visit Japan, task yourself with becoming conversational in Japanese before you can spend a dime on travel.
This approach ensures you’re truly committed to your big purchase before you rack up any debt. Plus, it gives you ample time to set aside money for those expenses. Make sure your goals are measurable and tangible so you can definitively know when it’s time to loosen the purse strings.
Conclusion
Used responsibly, credit cards are amazing tools that allow people to cover expenses when they’re short on funds. But, when debt lingers, it can work against you.
See Also: 9 Valuable Credit Card Perks
By planning ahead, you can make big purchases without taking on insurmountable debt. Whether you want a new car or an upgraded smartphone, managing your money is less about what you want today as it is about making sure you can pay for what you need tomorrow.
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