Showing posts with label Productive Habits. Show all posts
Showing posts with label Productive Habits. Show all posts

May 16, 2015

11 Things Happy People Almost Never Do

IMG_0277
“Happy people are happy people because they do what happy people do.”


Those people we know who seem to be the happiest among us are not
perfect—not even in their own happiness. No one wears a grin 24-7, after
all.


Still, just as success is the byproduct of adopting the commonly
shared habits of successful people and avoiding the counterproductive
habits of the unsuccessful, so happiness is usually what very naturally
happens when we do what happy people do and avoid the behaviors and
attitudes of the unhappy.


Certainly not everything happy people do is relevant to their
happiness, though. And certainly not everything unhappy people do is a
contributing factor to their unhappiness. But learning the differences
between the two can still be highly instructive at pointing us down the
right path.


This, then, is a post that focuses on the behaviors happy people tend
to avoid, the thoughts they almost never harbor, and the attitudes and
beliefs that they rarely sustain.


Learning the pitfalls to happiness, after all, can prove extremely useful to your own pursuit of it.


What the Happiest People in the World Almost Never Do

1. Happy People Almost Never Whine

Everyone complains from time to time: Traffic jams, tax hikes,
getting overlooked for an expected promotion, discovering you’re out of
milk just after pouring a bowl of Cheerios.


But when complaining becomes a chronic way of life, your happiness
suffers. How could it be otherwise? To whine, moan and complain about
everything is, by definition, the art of focusing your attention on the
unhappy parts of living.


Keep in mind that happy people have plenty to complain about—they
just tend to make molehills of mountains rather than mountains of small
things as they focus on what’s good and praiseworthy.


2. Happy People Almost Never Compare Themselves to Others

Comparisons serve no one. Happy people have role models and people whose lives inspire them like most people do.


But that’s where it stops. They recognize that we are all
multifaceted people who live vastly different lives with unique personal
histories and are therefore not truly comparable.


They also recognize the futility of birds wishing they were fish or
giraffes wishing they were kittens or people wishing they were perfect.
Instead, they celebrate their own uniqueness and have a mix of
compassion, acceptance and humor for their particular set of goofy,
mismatched and idiosyncratic parts.


3. Happy People Almost Never Let Fear Stop Them

That’s certainly not to say that happy people are fearless. They feel what everyone else feels to one degree or another.


They simply refuse to allow their fears the power to dictate their
lives. They take massive action toward their goals despite their fears
and insecurities.


In other words, they feel their feelings but choose their behavior.


4. Happy People Almost Never Take Themselves Too Seriously

Life is funny. So are we humanoid types! Yeah, sure, so you have a
college degree with a lofty title and a respected reputation. You’re
important and prestigious and uber-cool. So what! Learn to laugh and
laugh regularly at your own missteps, goof-ups and puffed-up sense of
self-importance.


That’s what happy people do, anyway. We rarely start a sentence with, “How dare you…”


Why would we? Are we so exalted that another human has no right
acting the part of an imperfect human being around us? Just decide once
and for all to simply get over yourself long enough to enjoy life and
stop making the universe all about you!


5. Happy People Almost Never Hold Grudges

When people in our lives consistently behave so atrociously that
letting bygones be bygones is just not an option, happy people tend to
let go.


They don’t hug porcupines, put their hands in fire, or allow
themselves repeated emotional slaps to their dignity and self-respect
either. They do what can be done to address the problem, for sure. But
then they leave the unscrupulous to their own devices, to God, the law,
or karma without allowing it to fester inside for too long. They readily
forgive and let go.


Holding on to grudges, offense or hate is emotional constipation of
the worst kind, after all. And happy people tend to avoid such emotional
discomforts.


6. Happy People Almost Never Hide from the Truth

Happy people are not self-delusional. They accept reality for what it
is. The Truth doesn’t scare them, even if it means they change their
mind, position, or ideology.


They are therefore more open to honest feedback because they can
handle the criticism (their happiness does not come from others’
acceptance of them) and they actually seek input that can help them improve and grow.


7. Happy People Almost Never Isolate themselves

We know that the happiest people have friends. They interact with
others. They belong to communities of people, to clubs or churches or
committees or close-knit neighborhoods. Certainly they have quiet time
and even enjoy their alone time. That’s not what I’m talking about.


There are unhappy extroverts as there are happy introverts. But happy
people of either variety almost never lock their doors, pull the blinds
and stay away from others for extended periods of time.


Isolation does not lend itself to happiness, even if it feels comfortable to those who are socially uncomfortable.


8. Happy People Almost Never Take Things for Granted

It’s easy to get accustomed to things that happen regularly. We
therefore tend to take so much of life for granted, and even begin to
expect them. “Thank you for doing the dishes? Why would I thank you for
that?! It’s your job, for crying out loud!”


Happy people seldom think that way. They tend to feel gratitude for
the sunrises and little kindnesses and the good people in their lives.


They say thank you, not by habit—even if it may seem that way to the
ingrate—but because they truly feel grateful for dishes washed, garbage
taken out, children’s smiles and sunrises.


9. Happy People Almost Never Ignore Character

Personality can make people interesting, fun to be around, charismatic. Character makes them good, decent, kind and loving.


Happy people rarely confuse one with the other. Their own character
is utmost in their own lives as well. Who they are is much more than
personality, fashion or image. And who they are on the inside matters
greatly to them.


10. Happy People Almost Never Live Sedentary Lives

The happiest of people spend time outdoors. They go places and do
things. Don’t get me wrong, not all happy people would enjoy everything
other happy people enjoy. Some may find themselves on the ski slopes or
climbing a mountain while other happy people prefer people watching at
the mall or reading a thought-provoking book.


But they do get out—to parks, walks around the block, to museums, to
stadiums or restaurants or the beach. They play guitar or soccer or work
on cars or build models or breed dogs.


The point is that they don’t sit around watching a lot of TV. They
actively and enthusiastically live life to its fullest—whatever “full”
means to each happy individual.


11. Happy People Almost Never Do Anything to Excess (for too long)

Happy people seldom sleep more than they need to, or eat more than
they should. They don’t fly into rages or cuss people out or flip people
off. They seldom lose control of their emotions or have affairs or even
exercise to the point of not having enough time to spend with their
children.


In short, happy people have well-rounded lives. They don’t neglect
one part of their lives to dedicate everything to another part.


There are seasons of being off-balance, of course. When work projects
are due or graduation is pending or a relationship needs mending, they
may focus more on those parts at those times. But in general, they are
balanced and happy because of it.


Final Thoughts

No one perfectly avoids anything on this list. We all have
moments when self-control is lost, or too much TV is watched, or we let
fear creep in and slow us down. We all have lapses and make mistakes and
fall down and get our hearts or our character a bit battered and
bruised.


But happy people do well at minimizing such things. They tend to
avoid them, seldom engage in them and usually rise to the occasion most
of the time. As such, they tend to be happier than those who don’t.


The key to living a happy life, then, is, in part, learning the art
of avoiding those things happy people avoid, at least most of the time
and on good days.


Challenge: Choose one of the items on the list of behaviors above and go to work minimizing it.



| Meant to be Happy

Feb 8, 2015

Snapware® | 10 Tips to Organize Your Life

Come January 1st, we’re all ready for inspiration and tricks to help
control and direct the flow of the daily routine. What kind of chaos
tends to trip you up? The A.M. rush? Messes, messes everywhere? Mealtime
madness?



Check out our 10 tips on how to organize your home from top to bottom
and streamline your day from the first stretch to the last yawn.



WEEK 1: SIMPLIFY YOUR SPACE

There are certain areas in every home that lend themselves to clutter
and chaos. We’ve got easy ways to help get them organized and keep them
that way!



  1. BANISH THE LITTLE LOO BLUES. Whether your bathroom is cozy
    or roomy, having the proverbial place for everything will not only
    simplify cleanup, but it will also help you get ready for work or a big
    night out in a hurry. Keep small essentials like cotton balls and swabs
    out of the way by storing them in a SNAPWARE® SNAP ‘N STACK® HOME STORAGE 6″ X 6″ SQUARE or a SNAPWARE® SNAP ‘N STACK® HOME STORAGE 6″ X 9″ RECTANGLE container. Or use them to corral your makeup items and keep them off the counter.
  2. CURL UP AND HIDE. Use the inside of a cabinet door to store
    your hairstyling helpers. Attach clear containers or small baskets with
    Velcro tape, or copy this genius idea from DIY Home Sweet Home:
    Attach lengths of PVC pipe to the inside of a cupboard door. Slip your
    curling iron or flat iron into one, and then loop up the cord and tuck
    the bundle inside another.
  3. CONQUER THE KITCHEN. Organizing the kitchen can be an
    overwhelming task to tackle, but keeping your fridge, pantry and
    cupboards neat and tidy is an effective and easy way to set a standard
    for simplicity. We share tips for breaking down the job day by day in
    One Week to the Most Organized Kitchen Ever! Is your disheveled pantry the main problem? Get it under control in a snap with our Pantry Makeover: How to Organize in 30 Minutes.
  4. TUCK AWAY WITH CARE. Stock up on SNAPWARE® SMART STORE® 18″X 12″ RECTANGLE HOME STORAGE CONTAINERS
    to store heirlooms, keepsakes and other valuables safely and securely.
    Clear and roomy, they’ll hold anything from grandpa’s old magazines to
    itty-bitty outgrown baby shoes.
  5. HIDE THE HEAP. Speaking of shoes, they can pile up fast,
    especially if you have several people (or one seriously stylish person)
    living in your house. To strike a balance between stowing away and
    showing off, invest in a shoe rack for the coat or bedroom closet, or
    whip together a DIY display case by repurposing an old bookcase. If
    “practical placement” is the name of your game, a couple of low shelves
    in your mudroom or entryway will do the trick nicely.

WEEK 2: REFINE YOUR ROUTINE

Whether you frantically muddle through your morning or dash through
dinner on the way to your daughter’s dance practice, there are lots of
ways to reduce daily hiccups and stresses, including these plan-ahead
techniques:



  1. SAIL THROUGH THE START. How you spend your morning sets the tone for the whole day (and for your kids’ day!). So aim for a smoother cruise with easy tips for simplifying your morning routine.
  2. MAKE QUICK, NOT FAST, FOOD. Between study group, sports and
    book club, dinner has become a lost art. It can be tough to make real
    meals while dashing between destinations, so don’t just plan ahead, make
    ahead! Here are some ideas for meals you can make ahead of time.
  3. SHOP FOR SUCCESS. When you’re shopping, keep a few things in
    mind. Do you need it? Do you have a place to put it? Will it save time?
    If none of these things apply, think hard before you buy. Avoid adding
    clutter to your house (and save money) by limiting the number of trips
    you make to the store. The more trips you make, the more fun little
    things you’ll be tempted to buy. Plan meals ahead of time and make
    shopping lists specific to what you plan on making. Reducing shopping
    trips will cut spending, save time and keep clutter to a minimum.
  4. LUNCH IN. Packing a lunch isn’t just for the kids. Bringing
    food from home instead of eating out every day can save time, money and
    your waistline. Try SNAPWARE® 0.5 CUP AIRTIGHT NESTING BOWL FOOD STORAGE CONTAINERS for dips and dressings and SNAPWARE® 1.3 CUP SQUARE AIRTIGHT FOOD STORAGE CONTAINER for fruits and veggies. Or neatly keep your sandwich and chips separate but together in a SNAPWARE® SNAP ‘N STACK® FOOD STORAGE SANDWICH BOX.
  5. CASH OUT. Or rather, spend cash until you’re out. Give
    yourself an allowance for items like your morning coffee each week and
    when the money is gone, stop spending. Using cash will keep you mindful
    of your habits, and knowing where your money goes is an important first
    step to organizing your spending.
From the big projects to the little things, organization works best
as a process that evolves as your life changes. Every so often, just
regroup and roll with it!

 | 10 Tips to Organize Your Life

Feb 7, 2015

Seven Habits Of Organized People



We all know that one friend or coworker who is super-organized.
The person who is punctual, finishes projects with time to spare, and
always knows exactly where to find what they need when they need it.



Instead of hating that person, why not figure out how they do it?



"Organized people are not born; they’re built," says John Trosko, founder of OrganizingLA,
a Los Angeles-based organizing firm. "The people who emerge as
‘organized’ use a variety of tools and methods to accomplish their goals
and priorities in life."



Their systems become habits, says Trosko. Here are seven things organized people do on a regular basis to stay on top of it all:



1. Organized People Seek Out Tools

From kitchen timers to smartphone technology, organized people find tools that can help them make the most of their day, week, and year, says Trosko.



They use mobile phone apps with pop-up reminders, for example. They
also use timers to help visualize the passage of time. And they break
down tasks into smaller chunks and take short non-work-related breaks in
between, which increases their overall productivity.



2. Organized People Set Priorities

Instead of having an overwhelming number of commitments and little
idea where to start, organized people have a clear sense of what's
important, says Lisa Zaslow, founder of Gotham Organizers, New York City-based professional organizers.



"They know what their goals are, what needs to be done when, and what
can be put off," she says. "They start the day with a clear plan of
their ‘MITs'—their ‘most important things.’ And they review their plan
throughout the day and adjust as necessary."



3. Organized People Have Less Stuff

The golden rule of organization is to have as little as possible to
organize, says productivity expert Hillary Rettig, author of The 7 Secrets of the Prolific.



"They figure out what the core of their professional and personal
missions are and eliminate all else," she says. "They will still have
stuff to organize, but they’ve made the job doable."



4. Organized People Choose Simple Solutions

When organizing systems are complex, they often go unused. Trosko says organized people use simple tools that make an easy job of putting things away.



For example, baskets hold receipts that need to be filed, bills that
need to be paid, and books that are waiting to be read. A hook by the
door makes it convenient to hang up a coat. And bowls and trays near an
entryway will keep keys and wallets in one place.



5. Organized People Practice Maintenance

Organization requires continual upkeep, says Zaslow: "You don’t go to
the gym, get in shape, then cancel your membership," she says. "Being
organized is the same."



Organized people will take a few moments each day to put things back
in their proper places. They might archive an email, for example, or put
away papers.



"They don’t drop things in a random pile ‘just for now’—it’s always
now," says Zaslow. "The tiny amount of time it takes to do this is
vastly less than the time it takes to look for something that wasn't put
away properly."



6. Organized People Regularly Purge

Situations change and formerly useful things become unnecessary.
Instead of letting clutter sneak up on them, Zaslow says organized
people periodically purge. They clear out their files when the drawer
starts to get full, for example, and they toss the notes for the project
that was canceled.



Zaslow says she once had a client who would buy a new filing cabinet
each time one got full: "By the time she called me to intervene, she had
file cabinets in her home office, guest room, upstairs hall, den, and
basement," she says. "Needless to say, most of the information was out
of date and irrelevant."



7. Organized People Project Themselves Into The Future

Using a two-person mind-set—present self and future self—can help you stay organized, says Lorie Marrero, founder of the Clutter Diet, an online organizing program. She likes to think of her future self when she takes care of small tasks right away.



"If I walk through a room and see a mess, I will say, ‘I bet if I do
those dishes now my future self will be so much happier later," she
says. "That motivates me to do those favors for my future self."



Marrero says organized people also think into the future when they
add activities to their calendars: "They ask: ‘What could I do before,
during, or after this appointment to improve it?’" she says. If they
need to prepare for it, bring something to it, or follow up after it,
they schedule it now and put it on their task list.

 | Business + Innovation

Feb 2, 2015

4 Ways to Change Your Mindset to Change Your Life | Meant to be Happy

By Akash Gautam


“You cannot solve a problem with the same mind that created it” ~Albert Einstein


It is a common experience amongst us human beings, that on the days
we feel more joyful, the world itself looks a whole lot brighter. This
experience is no magic and is not a coincidence. We are constantly
creating our realities as we go.


Our seat of experience lies within us. Not outside, in our
circumstances. Quantum physics tells us that the very act of observation
changes what is being observed. This means that through the simple act
of perception we are constantly altering the nature and fabric of the
very reality we experience.


4 Changes that can Alter your Reality

1. Change your perspective

We decide how to respond to life situations. When we change our
perspective, we change everything. For instance, when you look at a box
from the front, you notice only one side. The others are hidden.
However, if you look at it from above, you notice that there is much
more to it.


Although this might seem a little simplistic, our perspective just
requires a little shift to reveal a whole world of possibility that
would otherwise remain inaccessible.


If you believe failure to be the end, well then it is. But if you
consider that all failure is an opportunity to grow and learn, then you
will move ahead with more confidence.


2. Become aware of and eliminate negative self talk

The majority of humanity would testify to the endless chatter that
rages in our heads. Most of this chatter is self-defeating and negative;
if it were not, the world would be full of happy faces and people
pursuing their dreams.


Most of us are not even aware of the ways in which we limit and
criticize ourselves on a daily basis. The first step is to become aware
of this chatter and then to recognize certain repetitive patterns that
run like old records in our heads.


Once we know what they are, we can begin to accept these patterns for
what they are: no more than thoughts run wild. We created them and so
we can re-create self-affirming , positive thought patterns that serve
us. With practice, we can change the entire way we think.


3. Reacting vs. Responding

Life is full of uncertainty that can throw anything at us without a
moment’s notice. If you observe any animal closely, you will notice that
their every action is driven by the instinct of self-preservation.


They react to any and all changes in their environment. Most are not capable of a conscious thought and so are not capable of responding.


Responding to a situation means you take time to think about it and
use your ability to reason to figure out an appropriate solution or
response. When you react, you bypass your human ability and turn into an
animal, which is bound to create problems and frustrations. Do not
spontaneously react; thoughtfully Respond.


4. Develop the practice of observation

Everyday spend some time alone, even if it is only for five minutes.
Sit quietly and observe your mind. Do not engage with it, simply let it
do and say whatever it wants. Pretend you are watching a movie. This is a
key step towards understanding your mind and why it functions the way
it does.


Many meditation techniques focus on the act or principle of
observation. By sitting quietly in this manner and allowing your mind to
do its thing, you will eventually slow it down and bring it to rest.


This may take some time and practice, but the yield far outweighs the
investment. It is, in fact, a no-risk, high-yield investment. A mind at
rest is a clear and calm mind that has the potential to achieve
wonders.


Too many of us spend too little time on developing our faculties and
just expect things to fall in place. Your external situation is merely a
reflection of your mindset. When you develop and understand your mind,
you change everything.


So, begin the journey and watch the magic unfold.

- See more at: http://meanttobehappy.com/4-ways-to-change-your-mindset-to-change-your-life/#sthash.nhTq3G3c.dpuf
By Akash Gautam


“You cannot solve a problem with the same mind that created it” ~Albert Einstein


It is a common experience amongst us human beings, that on the days
we feel more joyful, the world itself looks a whole lot brighter. This
experience is no magic and is not a coincidence. We are constantly
creating our realities as we go.


Our seat of experience lies within us. Not outside, in our
circumstances. Quantum physics tells us that the very act of observation
changes what is being observed. This means that through the simple act
of perception we are constantly altering the nature and fabric of the
very reality we experience.


4 Changes that can Alter your Reality

1. Change your perspective

We decide how to respond to life situations. When we change our
perspective, we change everything. For instance, when you look at a box
from the front, you notice only one side. The others are hidden.
However, if you look at it from above, you notice that there is much
more to it.


Although this might seem a little simplistic, our perspective just
requires a little shift to reveal a whole world of possibility that
would otherwise remain inaccessible.


If you believe failure to be the end, well then it is. But if you
consider that all failure is an opportunity to grow and learn, then you
will move ahead with more confidence.


2. Become aware of and eliminate negative self talk

The majority of humanity would testify to the endless chatter that
rages in our heads. Most of this chatter is self-defeating and negative;
if it were not, the world would be full of happy faces and people
pursuing their dreams.


Most of us are not even aware of the ways in which we limit and
criticize ourselves on a daily basis. The first step is to become aware
of this chatter and then to recognize certain repetitive patterns that
run like old records in our heads.


Once we know what they are, we can begin to accept these patterns for
what they are: no more than thoughts run wild. We created them and so
we can re-create self-affirming , positive thought patterns that serve
us. With practice, we can change the entire way we think.


3. Reacting vs. Responding

Life is full of uncertainty that can throw anything at us without a
moment’s notice. If you observe any animal closely, you will notice that
their every action is driven by the instinct of self-preservation.


They react to any and all changes in their environment. Most are not capable of a conscious thought and so are not capable of responding.


Responding to a situation means you take time to think about it and
use your ability to reason to figure out an appropriate solution or
response. When you react, you bypass your human ability and turn into an
animal, which is bound to create problems and frustrations. Do not
spontaneously react; thoughtfully Respond.


4. Develop the practice of observation

Everyday spend some time alone, even if it is only for five minutes.
Sit quietly and observe your mind. Do not engage with it, simply let it
do and say whatever it wants. Pretend you are watching a movie. This is a
key step towards understanding your mind and why it functions the way
it does.


Many meditation techniques focus on the act or principle of
observation. By sitting quietly in this manner and allowing your mind to
do its thing, you will eventually slow it down and bring it to rest.


This may take some time and practice, but the yield far outweighs the
investment. It is, in fact, a no-risk, high-yield investment. A mind at
rest is a clear and calm mind that has the potential to achieve
wonders.


Too many of us spend too little time on developing our faculties and
just expect things to fall in place. Your external situation is merely a
reflection of your mindset. When you develop and understand your mind,
you change everything.


So, begin the journey and watch the magic unfold.

- See more at: http://meanttobehappy.com/4-ways-to-change-your-mindset-to-change-your-life/#sthash.nhTq3G3c.dpuf
By Akash Gautam


“You cannot solve a problem with the same mind that created it” ~Albert Einstein


It is a common experience amongst us human beings, that on the days
we feel more joyful, the world itself looks a whole lot brighter. This
experience is no magic and is not a coincidence. We are constantly
creating our realities as we go.


Our seat of experience lies within us. Not outside, in our
circumstances. Quantum physics tells us that the very act of observation
changes what is being observed. This means that through the simple act
of perception we are constantly altering the nature and fabric of the
very reality we experience.


4 Changes that can Alter your Reality

1. Change your perspective

We decide how to respond to life situations. When we change our
perspective, we change everything. For instance, when you look at a box
from the front, you notice only one side. The others are hidden.
However, if you look at it from above, you notice that there is much
more to it.


Although this might seem a little simplistic, our perspective just
requires a little shift to reveal a whole world of possibility that
would otherwise remain inaccessible.


If you believe failure to be the end, well then it is. But if you
consider that all failure is an opportunity to grow and learn, then you
will move ahead with more confidence.


2. Become aware of and eliminate negative self talk

The majority of humanity would testify to the endless chatter that
rages in our heads. Most of this chatter is self-defeating and negative;
if it were not, the world would be full of happy faces and people
pursuing their dreams.


Most of us are not even aware of the ways in which we limit and
criticize ourselves on a daily basis. The first step is to become aware
of this chatter and then to recognize certain repetitive patterns that
run like old records in our heads.


Once we know what they are, we can begin to accept these patterns for
what they are: no more than thoughts run wild. We created them and so
we can re-create self-affirming , positive thought patterns that serve
us. With practice, we can change the entire way we think.


3. Reacting vs. Responding

Life is full of uncertainty that can throw anything at us without a
moment’s notice. If you observe any animal closely, you will notice that
their every action is driven by the instinct of self-preservation.


They react to any and all changes in their environment. Most are not capable of a conscious thought and so are not capable of responding.


Responding to a situation means you take time to think about it and
use your ability to reason to figure out an appropriate solution or
response. When you react, you bypass your human ability and turn into an
animal, which is bound to create problems and frustrations. Do not
spontaneously react; thoughtfully Respond.


4. Develop the practice of observation

Everyday spend some time alone, even if it is only for five minutes.
Sit quietly and observe your mind. Do not engage with it, simply let it
do and say whatever it wants. Pretend you are watching a movie. This is a
key step towards understanding your mind and why it functions the way
it does.


Many meditation techniques focus on the act or principle of
observation. By sitting quietly in this manner and allowing your mind to
do its thing, you will eventually slow it down and bring it to rest.


This may take some time and practice, but the yield far outweighs the
investment. It is, in fact, a no-risk, high-yield investment. A mind at
rest is a clear and calm mind that has the potential to achieve
wonders.


Too many of us spend too little time on developing our faculties and
just expect things to fall in place. Your external situation is merely a
reflection of your mindset. When you develop and understand your mind,
you change everything.


So, begin the journey and watch the magic unfold.

- See more at: http://meanttobehappy.com/4-ways-to-change-your-mindset-to-change-your-life/#sthash.nhTq3G3c.dpuf
By Akash Gautam


“You cannot solve a problem with the same mind that created it” ~Albert Einstein


It is a common experience amongst us human beings, that on the days
we feel more joyful, the world itself looks a whole lot brighter. This
experience is no magic and is not a coincidence. We are constantly
creating our realities as we go.


Our seat of experience lies within us. Not outside, in our
circumstances. Quantum physics tells us that the very act of observation
changes what is being observed. This means that through the simple act
of perception we are constantly altering the nature and fabric of the
very reality we experience.


4 Changes that can Alter your Reality

1. Change your perspective

We decide how to respond to life situations. When we change our
perspective, we change everything. For instance, when you look at a box
from the front, you notice only one side. The others are hidden.
However, if you look at it from above, you notice that there is much
more to it.


Although this might seem a little simplistic, our perspective just
requires a little shift to reveal a whole world of possibility that
would otherwise remain inaccessible.


If you believe failure to be the end, well then it is. But if you
consider that all failure is an opportunity to grow and learn, then you
will move ahead with more confidence.


2. Become aware of and eliminate negative self talk

The majority of humanity would testify to the endless chatter that
rages in our heads. Most of this chatter is self-defeating and negative;
if it were not, the world would be full of happy faces and people
pursuing their dreams.


Most of us are not even aware of the ways in which we limit and
criticize ourselves on a daily basis. The first step is to become aware
of this chatter and then to recognize certain repetitive patterns that
run like old records in our heads.


Once we know what they are, we can begin to accept these patterns for
what they are: no more than thoughts run wild. We created them and so
we can re-create self-affirming , positive thought patterns that serve
us. With practice, we can change the entire way we think.


3. Reacting vs. Responding

Life is full of uncertainty that can throw anything at us without a
moment’s notice. If you observe any animal closely, you will notice that
their every action is driven by the instinct of self-preservation.


They react to any and all changes in their environment. Most are not capable of a conscious thought and so are not capable of responding.


Responding to a situation means you take time to think about it and
use your ability to reason to figure out an appropriate solution or
response. When you react, you bypass your human ability and turn into an
animal, which is bound to create problems and frustrations. Do not
spontaneously react; thoughtfully Respond.


4. Develop the practice of observation

Everyday spend some time alone, even if it is only for five minutes.
Sit quietly and observe your mind. Do not engage with it, simply let it
do and say whatever it wants. Pretend you are watching a movie. This is a
key step towards understanding your mind and why it functions the way
it does.


Many meditation techniques focus on the act or principle of
observation. By sitting quietly in this manner and allowing your mind to
do its thing, you will eventually slow it down and bring it to rest.


This may take some time and practice, but the yield far outweighs the
investment. It is, in fact, a no-risk, high-yield investment. A mind at
rest is a clear and calm mind that has the potential to achieve
wonders.


Too many of us spend too little time on developing our faculties and
just expect things to fall in place. Your external situation is merely a
reflection of your mindset. When you develop and understand your mind,
you change everything.


So, begin the journey and watch the magic unfold.

- See more at: http://meanttobehappy.com/4-ways-to-change-your-mindset-to-change-your-life/#sthash.nhTq3G3c.dpuf

4 Ways to Change Your Life
By Akash Gautam


“You cannot solve a problem with the same mind that created it” ~Albert Einstein


It is a common experience amongst us human beings, that on the days
we feel more joyful, the world itself looks a whole lot brighter. This
experience is no magic and is not a coincidence. We are constantly
creating our realities as we go.


Our seat of experience lies within us. Not outside, in our
circumstances. Quantum physics tells us that the very act of observation
changes what is being observed. This means that through the simple act
of perception we are constantly altering the nature and fabric of the
very reality we experience.


4 Changes that can Alter your Reality

1. Change your perspective

We decide how to respond to life situations. When we change our
perspective, we change everything. For instance, when you look at a box
from the front, you notice only one side. The others are hidden.
However, if you look at it from above, you notice that there is much
more to it.


Although this might seem a little simplistic, our perspective just
requires a little shift to reveal a whole world of possibility that
would otherwise remain inaccessible.


If you believe failure to be the end, well then it is. But if you
consider that all failure is an opportunity to grow and learn, then you
will move ahead with more confidence.


2. Become aware of and eliminate negative self talk

The majority of humanity would testify to the endless chatter that
rages in our heads. Most of this chatter is self-defeating and negative;
if it were not, the world would be full of happy faces and people
pursuing their dreams.


Most of us are not even aware of the ways in which we limit and
criticize ourselves on a daily basis. The first step is to become aware
of this chatter and then to recognize certain repetitive patterns that
run like old records in our heads.


Once we know what they are, we can begin to accept these patterns for
what they are: no more than thoughts run wild. We created them and so
we can re-create self-affirming , positive thought patterns that serve
us. With practice, we can change the entire way we think.


3. Reacting vs. Responding

Life is full of uncertainty that can throw anything at us without a
moment’s notice. If you observe any animal closely, you will notice that
their every action is driven by the instinct of self-preservation.


They react to any and all changes in their environment. Most are not capable of a conscious thought and so are not capable of responding.


Responding to a situation means you take time to think about it and
use your ability to reason to figure out an appropriate solution or
response. When you react, you bypass your human ability and turn into an
animal, which is bound to create problems and frustrations. Do not
spontaneously react; thoughtfully Respond.


4. Develop the practice of observation

Everyday spend some time alone, even if it is only for five minutes.
Sit quietly and observe your mind. Do not engage with it, simply let it
do and say whatever it wants. Pretend you are watching a movie. This is a
key step towards understanding your mind and why it functions the way
it does.


Many meditation techniques focus on the act or principle of
observation. By sitting quietly in this manner and allowing your mind to
do its thing, you will eventually slow it down and bring it to rest.


This may take some time and practice, but the yield far outweighs the
investment. It is, in fact, a no-risk, high-yield investment. A mind at
rest is a clear and calm mind that has the potential to achieve
wonders.


Too many of us spend too little time on developing our faculties and
just expect things to fall in place. Your external situation is merely a
reflection of your mindset. When you develop and understand your mind,
you change everything.


So, begin the journey and watch the magic unfold.


___________________________________________________


Akash Gautam is a Top Motivational Speaker
in India. Hundreds of corporations, including Google, CIPLA, Vodafone,
Maruti, HDFC and respected colleges like IIMs, IITs and SRCC call on
Akash for his motivational expertise.


___________________________________________________


Get daily inspiring updates by liking our FB page here or by clicking on the photo below, then liking our page.


Gratitude is to happiness


| Meant to be Happy

Jan 31, 2015

My Five Worst Money Traps - and How I Handle Them

We all have our spending weaknesses, whether it’s books, board games, or gourmet foods. Photo: Paul Falardeau
Woman in a bookstoreAs proud as I am of our positive financial progress over the last
several years, there are still big areas of my life where I don’t always
make the smartest spending choices. Even with all of the mental
preparation and good choices that I do make, there are still times when I
will choose to open my wallet when, in a more rational moment, I can
see that decision as very foolish and costly. Such choices take me away from my goals and rarely buy me anything valuable or lasting in return.


I find that, as I dig through my credit card statements and bank
statements and other receipts, almost all of my poor spending choices
boil down to one of five different areas. These five areas account for
virtually all of my spending mistakes.


Problem Area #1: The Hobbies of My Friends

Whenever a close friend of mine gets into a hobby, I am naturally
pulled into some level of interest in that hobby as well. My logic there
is simple: if a friend of mine enjoys this, then I will probably enjoy
it, too.


Here’s one recent example: one of my friends got into the hobby of
collecting pocket notebooks. Sure, it seems like a strange little hobby,
but there are some rare ones out there that are worth quite a bit of
money and there are many that are incredibly aesthetically pleasing. I’m
an avid user of pocket notebooks, but not really much of a
collector, but this friend’s interest in this hobby convinced me to
start hunting down a few rarer notebooks that were aesthetically
pleasing to me (namely, the Field Notes National Crops edition).


Another example: several of my friends enjoy playing tabletop role
playing games. They get together with several friends once a week at one
of their houses and sit down together to play a pretty imaginative
game. I don’t actively play any games, but several years ago their happy
talk about these games convinced me to start getting interested in
them. I wound up purchasing a few core rulebooks for various games and a
big bundle of books from another person I knew who was moving away.
Now, I have enjoyed reading these books, but have I played more than a session or two before acquiring them? Nope.


Here are a few strategies I’ve learned to combat this tendency.


First, I’ve learned to let my friend be the leader and teacher in the hobby.
While I might find their hobby interesting, that doesn’t mean it has to
become a major hobby of my own. With the pocket notebooks, I could
easily just admire my friend’s collection and perhaps trade with her on
occasion to get a pretty edition (while buying a few cheap ones for my
own actual non-collecting use). With the tabletop role playing games, I
could simply accept an invitation to their game nights. In both cases,
I’m letting my friends do the leading and just following along with
their interest.


Second, I’ve learned to recognize that I only really have time for a few hobbies in my life.
If I want to actually enjoy hobbies with any depth, they need to have
some time devoted to them. If I keep engaging in whatever hobbies my
friends are into, I’m either going to have so many hobbies that I don’t
really enjoy any of them or I’m going to have to drop other hobbies that I really enjoy and am already invested in.


Finally, I let them be my facilitator. Often, when my friends see that I have a fledgling interest in something that they’re passionate about, they’ll want
to get me more involved. I’ve had friends give me all kinds of items
related to their hobby in order to encourage my own interest. This lets
me dabble a bit in their hobby without fully adopting it – and the
expenses that go with it – as my own.


Mostly, I recognize that I can be interested in their hobby without adopting it as my own hobby.


Problem Area #2: Board Games

I love playing board games that either make me think or spur my
imagination. I’m a member of two different board gaming “groups” that
meet regularly at various places to play games and Sarah and I host
semi-regular game nights at our house. I get a lot of enjoyment out of
sitting down at a table with like-minded people, enjoying some
conversation, and playing a game together that requires all of us to
stimulate our brain cells.


The problem for me is that this hobby encourages buying. I’ll hear
about a game or see one in a store and my mind will often envision
myself playing it with my children or with my friends. I’ll think that a
particular friend will really like this game and I want to play that
game with that friend, so I’ll end up buying it. Sometimes, I’ll just be
interested in a game myself and want to purchase it for purely selfish
reasons.


Thankfully, there are a few things that I do to combat this tendency.


First, I try to avoid duplicating the collections of friends.
If a friend of mine has a game, there’s little reason for me to own it,
too. I can just ask that friend to bring it to a game night and we’ll
play it together, which is most of the fun anyway.


Second, I bend the focus more towards playing games rather than acquiring them. For instance, I made it a personal goal in 2015 to play thirty of my favorite games fifteen times each. That’s a lot of playing and it doesn’t really leave a lot of room for acquiring
new games. That’s by design – I want my focus to be on playing the
games above all else because that’s where the joy comes from.


Third, I engage in swapping. I do a lot of board
game trading with other people who are into the hobby. This enables me
to try a lot of games without much additional expense. These swaps
sometimes happen by mail (the advantage here is that I have a lot more
to choose from) and sometimes happen person-to-person (the advantage
here is that there’s no shipping and no wondering what exactly the other
person will send).


Finally, I try to avoid visiting places that spur my purchases.
Stores that cater to the board game hobby can be very tempting to me.
My best strategy for minimizing spending is to simply avoid those stores
if at all possible. I do have one group that meets in the open table
space at one such store, so I really have to be on guard with that
group.


Problem Area #3: Books

Books have been a constant financial distraction for me since I had
enough money as a child to visit the nearest bookstore and spend the
money I received for my birthday. I love reading. I love holding a book
in my hand. I love getting lost in a good story. I love walking away
from a book with a lot to think about. I love talking about books. I
love learning something new from a book. I have since I was a young
child and I suspect I always will.


Of course, books are a purchasable item that, in recent years, has become very easy to spend money on. With the advent of quick ordering via Amazon and particularly with instant delivery on the Kindle, it is really easy for me to order books almost without thinking about it.


I’ve had to develop some strategies to deal with this.


First, I manually turned off one-click ordering and removed my credit card information from Amazon. I still can
order books from there, but I have to manually enter my card number to
do so. Typically, this is more than enough to give me time to rethink
the purchase. Similarly, I’ve learned not to carry my credit card into a
bookstore.


Second, I discovered my local library and the many offerings they have.
These offerings range from the obvious paperback and hardcover books to
other things such as book clubs and electronic books. The best part?
All of it is free. I find myself checking out books and taking my
children there for book readings quite often. Right now, in fact, we
have eleven books from the library spread out around our house, with at least one for each person in our home.


Third, I focus on reading rather than collecting books.
I’ve learned to twist the pride of having a bookshelf full of books
into pride in having a long list of books I’ve read. It is far better to
have read a book and enjoyed it than to have a book on your shelf that
you’ve never read. I do love having copies of books I refer to or
re-read often, but that’s actually a relatively small number of books.


Finally, I swap books, too. I like using PaperBackSwap
as a tool for trading books through the mail, but I also get a ton of
value out of just swapping books with friends. Swapping with friends
adds to the social experience of books, because if we’ve both read a
book, it gives us something to talk about and bond over.


Problem Area #4: Gourmet Foods

As many of you know, I love to cook at home. I’m pretty good at
cooking a cheap meal, but I also have a strong urge to expand that meal
by adding high-end ingredients to it.


Here’s an example of what I mean. Whenever I make eggplant Parmesan, a
recipe I quite enjoy, I have a basic recipe that’s pretty inexpensive,
especially if we have eggplant in our garden. However, there’s a
temptation to substitute the shakeable Parmesan cheese that we often use
for a piece of Parmigiano-Reggiano cheese that I have to grate myself
right before the meal. That cheese is fragrant, delicious… and much,
much more expensive.


Almost every recipe I make has at least some opportunity for that
kind of ingredient upgrade. I might be tempted to turn a tomato sauce
out of season into something fresh made with out-of-season fresh
tomatoes (read: expensive). I’ll use fresh herbs instead of dried ones.
I’ll decide to pop open a bottle of wine from our wine rack just to add a
bit of flavor to a dish.


How do I get around this? Here are some strategies that I use.


First, I try to save “special” meals for rare or special occasions.
There’s no real need to jazz up an ordinary “spaghetti night” meal with
high-end ingredients. Instead, we save the special ingredients for
times when we’re trying to make something really special. This keeps us
from inflating the cost of most of our routine meals.


Second, most of our favorite recipes are already pretty cheap.
The vast majority of meals we make at home are composed of low-cost
ingredients that aren’t going to break our budget. If we do decide to
improve an ingredient or two, we’re often just moving the cost of the
meal up from about $1 per person to $3 or $4 per person. By sticking to
cheap backbone meals, we reduce the impact of ingredient upgrades.


Third, I often don’t have time for some of my crazier meal plans.
More than once, I’ve planned for an elaborate meal that seems like it
would be wonderfully fun to prepare and eat, only to find that life
interferes and puts those plans on hold. Instead, I wind up making
something simple using part of the ingredients. I need to be very sure of my time commitments when making an elaborate meal – and that means fewer elaborate meals.


Finally, I involve my children in meal planning.
This keeps me from doing anything too crazy with the ingredients. They
like simpler meals for the most part and so when they’re involved some
of the crazier ideas and ingredient alterations stay in check. After
all, when I ask them what meals they’d like off of a list of options,
spaghetti and macaroni often go straight to the top and I’m admonished
not to make them “crazy.”


Problem Area #5: My Children

That last point leads directly into an area where I find myself making a number of spending mistakes: my children.


Before I get started here, I should point out that I have no interest
in actually spoiling my children. I don’t spontaneously buy them things
that they want at the store and so on. We do try to ensure that they
have a nice Christmas and birthday, but we aren’t in the habit of buying
them things all the time.


The “money sink” when it comes to our children is for things like
after-school programs, educational opportunities, college savings, and
so on. It is often very tempting for us to sign them up for everything and let them try out lots of different activities. The problem is that it adds up to a ton of expense.


I tend to have a very big weak spot for things like this. I want my
children to have every growth opportunity available to them and that can
add up to a huge expense if I’m not careful.


Here are four things I do to keep that tendency in check.


First, I remind myself of the value of free time.
Free time gives children an opportunity to learn how to entertain and
educate themselves. If you overbook a child, you never give them a
chance to learn how to battle boredom and structure free time. This is a
valuable lesson, one that can make all the difference in their future personal and professional lives.


Second, I recognize that my children have shifting interests.
While it’s really tempting to jump on a fledgling interest and sign
them up for something expensive related to it, that’s usually a mistake.
That interest can easily fade over the coming months, leaving them
subscribed to something they’re not enjoying and leaving us paying a
bill for something that isn’t really providing us with any value.


Third, there are many opportunities to explore interests at home without activities.
Sarah and I are imaginative and skilled enough to encourage our
children to learn and explore without pouring out money into supplies
and activities. Between the internet, the library, our respective
skills, and the odds and ends we have around the house or can borrow
from friends, our children have the ability to dabble in lots of things
without hitting our wallets very hard.


Finally, I ask myself who really wants these things.
I grew up in an environment where I didn’t have a lot of access to
organized activities of any kind, really. My life was filled with a lot
of unstructured free time, which was good in some ways but bad in
others. When I see an interesting activity, the part of me that really
wanted those opportunities as a kid speaks up and tries to convince me
how incredible that opportunity is. The focus shouldn’t be on me and what I wish I could have had, but on my children and what will help them grow.


Four Additional General Strategies for Keeping These in Check

In addition to the tactics I mentioned above, here are five additional things I do that help with all of these spending weaknesses.


First, I keep myself aware of them. I know
that I’m prone to making bad spending decisions in these areas. I make
an effort to remind myself of those mistakes as often as I can so that
I’m always aware of them. For example, if I keep myself mindful of the
fact that I’m particularly tempted to spend unnecessary money when I
visit hobby stores or book stores, I’m much more likely to not spend money when I’m there.


Second, I budget some free spending for myself – but not too much.
I allot myself a certain amount per month in our budget for spending on
whatever I please. I usually put aside part of it for one or two big
events a year, but the rest can be spent on whatever I choose. I’m
pretty good at keeping track of this amount, though I did have some
slippage a few months when I didn’t count my Kindle purchases.


Third, I try to avoid “information” sources that tempt me to buy new things in those areas of weakness.
If a website or a television program is geared strongly toward buying
new things in a particular area of interest, I’ve learned to largely
avoid it.


Finally, I’ve learned to ask to borrow first.
Instead of just rushing out to buy something connected to one of my own
interests, I’ll ask my friends that share those hobbies if they have the
item in question instead, and then I’ll borrow the item from them
instead of buying it myself. I make sure to be very open to lending my
items out to friends as well so that it’s not just a one way street. The
best part? Such swapping among friends, if done well and with respect,
usually ends up cementing and building a friendship.


Final Thoughts

If you take nothing else away from this article, take this: we all have areas where we make spending mistakes.
All of us. The real key is to figure out what those mistakes are and
adopt some strategies to make sure that the spending is well under
control.


Finding the missteps is the easy part. Just dig through your bank and
credit card statements for places where you spent a lot of money on the
same types of things and ask yourself why you’re spending that money.


Breaking that routine – or at least putting some constraints on it –
is the real challenge, but it’s one that’s well worth doing. If you do
it right, you don’t lose anything worthwhile about what you love while
also establishing a great deal of control over your financial future.

 - The Simple Dollar

Jan 30, 2015

15 Strategies for Saving Money at a Restaurant







chips and salsa
If you fill up on free appetizers, such as chips and salsa, you can order a smaller entree. Photo: mnchilemom
I am a huge advocate for preparing and eating meals at home.
It’s almost always drastically cheaper than eating out. You have fine
control over the quality and quantity of the ingredients. You can make
whatever you want and you’re not restricted by a menu. You don’t have to
wait to get seated. Eating at home just has a ton of benefits.


Still, there are times when eating out at a restaurant just makes
more sense. For example, if we choose to spend a day in the Des Moines
area, we often wind up more than an hour from home in the evening and,
with hungry children, it just makes more sense to eat out. We also
usually plan a meal at a restaurant roughly once a month in addition to
those relatively unexpected events.


Of course, with our family, that usually means that we’re feeding five people at a restaurant which can add up really
quickly if you do it very often. Because of that, we have adopted a
whole suite of simple strategies to save money on eating out. Here are 15 things we do to reduce the impact of restaurant dining on our monthly budget.


1. Buy gift cards at retailers that discount them.

A gift card to a restaurant rarely has to be purchased at the face
value of the card. If you shop around, you can save 20%, 30%, or even
50% or more on gift cards for a restaurant.


For example, there’s a local pizza restaurant that makes gift cards
available online, selling $50 in certificates for $40. When we go to
that restaurant, our family usually eats for $30 or $35. So, if we buy
two of those bundles, we’ve spent $80 in total and can use those cards
to buy $100 worth of food at that restaurant – three visits, in other
words. We reduce the cost of an average visit by 20%, saving us about $7
per visit.


Where can you get such gift cards? Restaurant.com is a great place to start. I’ve also had great experiences with Cardpool.com. Another great strategy is to visit a warehouse club – like Sam’s Club or Costco – as they often sell gift card bundles at a nice discount, as much as 25% off the face value.


We just keep these gift cards in our wallet or purse until an opportunity presents itself to eat there.


2. Choose a restaurant with free appetizers, then order a smaller entree.

Many restaurants offer free appetizers as an enticement to get people
in the door of their establishments. It’s a good business strategy,
mostly because customers often fail to take full advantage of it.


For example, at many Mexican restaurants, they serve a large batch of
salsa and chips as a free appetizer before the meal. At Red Lobster,
they give you an endless basket of cheddar bay biscuits before the meal.
I will often eat those free appetizers and slowly drink a couple of
large glasses of water and by the time my main meal arrives, I’m pretty
full.


This does require you to be aware that you’ll be a lot less
hungry when your meal arrives at the table compared to when you order.
Restaurants often know this and that’s why they don’t bring out these
appetizers until after you order. That way, you’re sitting there hungry
and will often order more than you might want, then after the free
appetizers, you aren’t nearly as hungry and could have enjoyed a much
smaller meal.


In other words, when you’re ordering your meal at a restaurant with
free appetizers, keep those appetizers in mind. You might be really
hungry when you order, but after eating a bunch of those appetizers
over the next twenty minutes, you likely won’t be as hungry. So, don’t
order the giant platter of food — instead stick with a smaller meal that
focuses in on just one or two things you really like.


3. Drink water as your beverage.

Restaurants charge a shockingly high price for beverages. A glass of
soda will cost you $3 or more. Order a beer or a glass of wine or a
mixed drink and you’ll be paying a lot more.


The solution here is to simply request a glass of water as your
beverage and skip the other drinks. If you want an after-dinner drink,
go to another establishment with more reasonable prices – such as your
own home. I’ll often go home and have a bottle of homebrewed beer after a
restaurant meal.


Yes, sometimes a meal is made better by accompanying it with a
particular beverage. Many dishes pair incredibly well with a glass of
wine, for instance. That’s fine, but limit your beverage purchases to
what pairs well with the dish and stick to water when the meal isn’t
around.


Water also has the feature of keeping the palate clear so that you
can actually enjoy all of the flavors of your meal instead of having
your taste buds clouded with the sweet aftertastes of soda or the
flavors of other beverages brought to your table. I actually prefer that
as it makes the food taste better.


4. Check the coupon flyers and other sections in the Sunday newspaper.

Many restaurants – especially chain restaurants – offer coupons for
discounts in the Sunday paper, particularly in the coupon flyer section
found in the middle of the paper.


Darden Restaurants – owners of Olive Garden, LongHorn Steakhouse, and
several other restaurants (and until very recently owners of Red
Lobster) – frequently use the coupon flyers to distribute coupons for
their restaurants, often offering a discount for a pair of entrees.
Other chains use the flyers infrequently.


Sometimes, you’ll also find coupons in other sections for more local
restaurants. For instance, my wife and I recently found a coupon in a
Sunday newspaper for a nearby restaurant that we were completely unaware
of before seeing the coupon.


Restaurant coupons are very easy to use. You just include them with
your ticket when you send your payment back with the server. They
basically function as cash when used at a restaurant – except they’re
not really cash out of your pocket.


5. Utilize ‘kids eat free’ nights if you have a family.

Many restaurants that cater to families offer at least one “kids eat
free” night during the week. On that night, the restaurant usually
offers one children’s meal for free with the purchase of one adult meal.
Some places simply don’t charge for any children’s meals on those days,
though that’s fairly rare.


For us, if we go out as a family, that means that two children’s
meals are free. That can save us $10 or $15 on our ticket at the end of
the evening. If you plan most (if not all) of your restaurant meals
around this phenomenon, you can end up saving a ton of money.


There’s another big advantage to this for families. With three young
children, we are sometimes careful about what restaurants to take our
family to because, no matter how perfectly behaved children are, there
are times when they’re not so perfectly behaved. Children can have poor
emotional control and that can result in tears and outbursts and
disruptions of the meals of others. I don’t like that when I go to a
non-family restaurant, but when I go to a family restaurant, especially
on a “children eat free” night, I assume it will happen a time or two.


Thus, when I’m on the “parent” side of that equation, I don’t feel
nearly as apprehensive about going out to eat with my children.
(Thankfully, my children are now old enough that this is no longer a
significant issue; they’re almost always well-behaved in restaurants
now.)


6. Budget for your restaurant dining.

One of the best ways to curb spending on splurges is to simply budget
for it. Have a certain amount in your family budget that you set aside
for the pleasure of dining out each month. You might set aside enough
for two or three meals out at a nice restaurant, which might equate to
several meals at a lower-end restaurant.


For us, this directly saves money by putting a cap on our monthly
restaurant spending. It also encourages us to sometimes choose less
expensive restaurants that we enjoy, such as some of the family-owned
Mexican restaurants in the northern part of Des Moines (there are
several good ones in the northern suburbs).


Of course, having a family means that we can’t really go to the
high-end adult-focused restaurants all that often. The children wouldn’t
enjoy or appreciate the experience, so we generally save the nicer
restaurants for the occasional date night that Sarah and I share.


We can still splurge on an expensive restaurant, but that means that
we’ll probably be missing out on other opportunities to eat out during
that month. Budgeting like this gives us the freedom to choose.


7. Pay attention to time-sensitive special deals.

Many restaurants offer specials that are triggered by the specific
day of the week and, even more often, the specific time of the day.


Some restaurants offer early bird specials for diners who come in
before 5 PM. Other restaurants offer discounted appetizers or drinks at
certain times or will offer a “final call” discount on buffet food
during the last fifteen minutes of a buffet lunch.


Be aware of these discounts in advance. If you go to a restaurant
that you like, take a look at their daily or weekly specials and note
the ones that are of particular interest to you, then make sure to go to
those restaurants when you’ll get those discounts.


I find it useful to actually note these discounts on my phone. Then, I
can look at that calendar when we’re planning on eating out and use it
as a helpful guide for picking a restaurant that will be selling us
discounted food that night. (I do this for “children eat free” nights,
too.)


8. Eat an appetizer as your main dish.

Many restaurants offer absurdly large appetizers at a pretty good
price. For instance, one restaurant near us has a bruschetta tray for
$6.99 that overloads the pieces of bread with all kinds of toppings,
leaving you with more toppings than bread. They’re delicious and
plentiful, enough that you could easily fill up on them.


So, why not fill up on them? Order an appetizer as your main course.
Usually, you’ll have a fairly small portion for a very good price if you
do this and, if you include appetizers in the meals you’re considering,
it usually expands your total options.


I find that ordering an appetizer is a great way to enforce portion
control and convince myself to eat slower, too. There’s usually more
than enough food in an appetizer to fill me up.


Appetizers are often split into smaller portions as well, so if
several people choose the “order an appetizer” strategy for their meal,
it’s easy to swap part of your appetizer meal for part of theirs, giving
you both more variety on your plate.


9. Buy (or split) a local coupon book or discount card.

Many local groups sell discount cards and coupon books that offer a
discount at a number of local businesses. Those businesses are usually
offering the discount as a way to support a local charity or cause.


If you eat locally and the restaurants you prefer support such a
program, these cards and/or coupon books can provide tremendous savings
over the course of a year. Our local high school sold discount cards
that offered percentage discounts at several different nearby
restaurants that, once you used it more than two or three times, saved
you money just from the restaurant discounts alone.


If you can’t afford the price – and sometimes the bigger coupon books
can be expensive – split the cost with a friend and take turns
selecting coupons from the book. For instance, if you buy a book with
100 coupons for $50 and split the cost with a friend, you can each spend
$25 and then take turns picking coupons out of the book so that you
each get half of the coupons.


10. Split an entree with another person in your party.

Many restaurants serve huge meals with enormous sides – far more than
a single person could or should eat. One of our favorite local
restaurants serves such a ludicrous amount of sides that I have never been able to finish a full meal there.


One great strategy at a “big portion” restaurant is to simply split
an entree with a friend or loved one. Simply order a meal you both like,
request an extra plate, then divide up the meal among the two of you
when it arrives.


This allows you to eat a more reasonably-sized meal while cutting the
cost of the meal in half. I’ve split meals with my wife many times.


Another strategy is to order a single entree and a cheaper appetizer,
splitting the appetizer then splitting the entree. The cost reduction
isn’t quite as much, but it can still save you $10 or so.


11. Skip dessert and satisfy your sweet tooth at home.

Restaurants love to serve you an overpriced dessert at the end of the
meal and for people with a sweet tooth it can be really tempting. It’s a
good strategy to skip that dessert, however, and pick it up elsewhere.


If you’re eating a dessert at home, it’s going to be far cheaper
because you purchased the ingredients yourself at a grocery store.
Rather than eating a bowl of ice cream at a restaurant, our family will
often go home and make anyone who wants dessert a small bowl out of the
ice cream container we already bought at the store, which drives the
cost per bowl well below $1 and usually far, far cheaper than what the
restaurant charges.


You also have much more control over what you have for dessert
because, again, you’ll get to select what you have from the wide array
of items on sale at your local grocer that you already purchased and
have at home.


If you really want to eat a dessert at a restaurant, simply choose to
stop at a restaurant that focuses on dessert offerings. You’ll usually
not pay much more and the dessert quality and variety is much higher.


12. Follow your favorite restaurants on Facebook and Twitter.

Many restaurants utilize social media to talk directly to their
biggest fans and customers. Restaurants will often pass along special
discounts in order to encourage even more repeat business.


Thanks to social media, I’ve been able to enjoy several “buy one, get
one free” options on entrees at various restaurants in the area – some
of them chains and some of them strictly local. I’ve enjoyed free
appetizers and even free meals a couple of times.


All you have to do is have an account at the most popular social
sites – Facebook and Twitter – and then look up the names of restaurants
you enjoy and either “follow” or “like” them. When you’re thinking of
eating out, check out what those restaurants have posted recently. You
might just have a great bargain sitting there waiting for you.


Similarly, you can sign up for mailing lists at restaurants. Often,
they’ll have a drawing for free meals from their mailing list and
they’ll usually use it to send out coupons and discounts. I recommend
having a separate email address for emails from these lists. That way,
you can just check that email account before you dine and search your
email backlog for discounts.


13. Don’t assume the ‘special’ is a discounted meal.

Many restaurants offer daily “specials” that they write on a
chalkboard or some other form of posting near the front of the
restaurant. These are often experimental meals that they’re trying out
or else meals designed to use some sort of food excess in the kitchen.


In either case, people often believe that these “specials” are
available at a discounted price, but that’s often not true at all.
They’re often priced on par with other items or sometimes even a bit
higher.


If you’re considering ordering the posted special, ask for the price
of the special first and take that into account while ordering. Compare
that price quickly to other items on the menu and see how the special
really stacks up. Often, you’re better off ordering something else from
the menu.


14. Exercise portion control at the table.

When you’re served a big plate of food, you’ll almost always find
yourself starting to feel full, but you also have this big half-finished
plate still in front of you. It’s very tempting to keep nibbling away
at it, but this is the key time to establish some portion control.


Stop eating. Put a napkin over your plate to block the temptation. As
soon as you see your server, request a container to take your leftovers
home in and load them up.


This saves money by ensuring more leftovers for you, making it
possible to eat a full meal or maybe even two from your leftovers when
you might have otherwise been lucky to eat just one. It also helps with
your health, because jamming more calories into your system is never a
good option when you’re already full.


15. Make eating out ‘special’ and eat ‘ordinary’ the rest of the time.

For us, eating out is a treat. It’s something to enjoy that’s usually
much more enjoyable than the “normal” meals that we eat at home. It
becomes an experience, not an ordinary routine.


That’s not to say we don’t cook good meals at home – we do. However,
they’re often simple fare – a simple pasta with sauce, homemade tacos,
chili, and the like. We stick with simple, easy to prepare meals that we
know our family will like. Those meals are really inexpensive.


This keeps our food budget nice and low so that when we do go out, it’s both a special treat and not a budget killer.


Here’s the truth: a few smart steps while eating at a restaurant can drastically reduce the expense.
Not all of the tactics in this article will work for your situation,
but some of them will, and if you can stack them together, you can drastically reduce the cost of dining out.


 - The Simple Dollar

Start From Nothing and Add Back In For More Effective Decluttering

Start From Nothing and Add Back In For More Effective Decluttering
It's a great feeling to get rid of things you no longer need or use.
But it can be hard to decide what to lose and what to keep. For more
effective decluttering, don't take stuff out—add it back in.












Apartment Therapy offers this simple tip:












Don't start by taking things away; instead, clear the decks and add them back in. It is incredibly difficult to create the emotional space needed to honestly assess our stuff (but, I really like that mug!)
and the process can be taxing. By focusing instead on the items that we
use the most and adding only those back in it becomes easier to see the
bigger picture and let go of what not longer fits in.
It makes sense. We declutter to pare down our stuff and only own what we "need." So why not start from scratch, and actually pick what we need, instead of trying to find a reason for keeping it?

Jan 25, 2015

11 Things You Will Regret in Your 30s

Things You Will Regret in Your 30s


What better way to learn than from those who have been there and done
that? A Reddit thread recently had people chiming in on things they
regret doing (or not doing) in their 30s. Whether you are about to
embark on the exciting journey of your 30s or nearing the tail end,
learn from those in the know.

1. The shoulds

You'll
feel societal pressures in your 30s more than ever before, but don't
let the shoulds hold you back. You may constantly worry about how you
should own a home, you should have kids, you should be married, or you
should have a steady career. Drop all those expectations, and live life
the way that makes you the happiest. Don't feel like a failure just
because your life happens to deviate from the norm — you've got one life
to live, so live it your way.

Things You Will Regret in Your 30s
© POPSUGAR Photography



2. Not spending time with parents

One
common regret that many people in their 30s have is not spending time
with their parents while they are young enough to actively participate.
Simple pleasures like taking a walk, traveling, or even having a
conversation may be harder to come by once your parents age.

3. Putting work first

Something
to keep in your mind in your 30s: if you put work first, you're going
to regret it. Spend time with people you love, because those are
precious moments that money and moving up the ladder can't beat.

4. Spending time on negativity

And
you thought those negative people would disappear from your life in
your 30s. Nope, there may be some hanging around, so don't waste time on
them. Watch out for people who don't make you feel good about yourself,
and reevaluate your relationships with them. Be careful of spending
time on negative thoughts and issues that you have no control over.
Just. Let. It. Go.

5. Thinking your 30s was old

"I'm
too old for this!" may be a common phrase you use in your 30s. You know
what? You're not. And I bet people in their 50s and 60s will agree. The
world was your oyster in your 20s, and it still is. Take a chance,
live, and enjoy life as the young'un you are, and never lose that child
in you.

6. Not putting yourself first

Maybe
you're putting everyone else first in your life but you. Snap out of
it! Know that once you put yourself first, everything else can fall into
place. Putting your needs first will make you a happy camper, which
will result in better relationships — a win-win. When you take care of
yourself, you'll have fewer regrets in your 30s. The partner your life
revolved around? You probably won't regret that as much if you had
focused on your needs and chased your dreams as well.

7. Not taking better care of your body

It's
quite the paradox — you say you're too old for something, and yet you
still keep the junk-food-fueled and antiexercise habits of the younger
you. Those habits are harder to drop, but treat your body right early,
or it'll catch up with you before you know it.

8. Not taking chances

Maybe
you're overly cautious at this age and perhaps it's the shoulds we
mentioned earlier that are holding you back. Don't play it safe, and
live a little.

9. Not saving and investing enough

This
seems to be a huge, huge regret that a lot of 30-year-olds carry. If
you start saving earlier, you'll be reaping bigger rewards by the time
you retire. And if you don't put off saving and investing in your 30s,
you'll be more likely to retire at the age you want.

10. Not traveling enough

The
world is at your fingertips, so take off on a travel adventure! Don't
keep procrastinating and putting this off — it'll be harder to make time
for travel as you get older. Get inspired by this list of the 10 most
beautiful travel adventures.

11. Caring too much about what others think

It
seems we're guilty of this at every age. Don't waste more time on this
useless habit in your 30s. Stop investing time and energy into caring
about what people who don't care about you think. The ones who do care
for you will accept you as you are.

Jan 9, 2015

Declutter Your Home with Boxes for Unidentified Found Objects (UFOs)

Declutter Your Home with Boxes for Unidentified Found Objects (UFOs)
Getting rid of clutter is great, but it sucks if someone needed
something you tossed out. Set up Unidentified Found Object (UFO) boxes
around the house to collect random or unrelated items until you get a
moment to organize them, or someone comes looking for them.
You can use small shoeboxes or plastic bins as UFO boxes. Place these
boxes around the house so that whenever you find a random item, you can
put it in a UFO box in the area you think might be the most
appropriate. For example, if you find a cable, you can put it in your
home office's or study's UFO box. Remember, these UFO boxes aren't a silver bullet. If you don't
regularly empty and organize it, the random contents will simply pile up
and you'll need more boxes. Check these boxes regularly with your
family, roommates, or other residents of the house.Organize to Eliminate the UFOs | Unclutterer

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