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Saving Money

Struggling to Keep a Resolution? Try This.

By Abby Quillen

Struggling to keep a resolution? Try this.

Do you make New Year’s resolutions? If so, you’re in good company. In surveys, nearly half of people say they usually do. The most common resolutions are to lose weight, exercise more, quit smoking, reduce debt, and manage money better.

Do you keep your resolutions? Unfortunately, if you’re like 92 percent of resolution makers, you may struggle to follow through.

Here’s why: Intention is important, but there’s a far more powerful step to making a change in your life. Design a system that supports your desired habit.

Keep reading to learn why designing a system is a crucial (but sometimes forgotten) part of changing a habit. Then discover how to create effective systems to:

  • Get out of debt
  • Save money
  • Eat healthier
  • Get fit

How to Change a Habit

Why does it usually feel so difficult to change a habit? You can blame your highly efficient brain. A habit has three parts: a trigger, a response, and a reward.

When you repeat the same trigger, response, and reward for about 60 days, your brain identifies it as a habit and moves it to the basal ganglia, deep brain structures responsible for unconscious motor behaviors.

After this, when you notice the trigger, your pre-frontal cortex prompts the basal ganglia to automatically initiate the response. That’s why it feels like you’re not in control of your habits — and why it can feel difficult to change them.

Here’s the good news: You can change a habit, and it doesn’t need to be that hard. But it pays to understand systems thinking, which is how structure helps create the conditions we face.

Because we like to think we’re in control of our habits, we often underestimate how much the design of the environment impacts our lives.

Struggling to Keep a Resolution? Try This. #lifedesign

Systems Matter

For instance, you may think your health is in your own hands and determined by whether you decide to hit the salad bar or lace up your running shoes. But the design of your environment has a big impact on your actions.

Did you know the more intersections there are in your city, the less likely you are to suffer from obesity, diabetes, high blood pressure, or heart disease? That’s because you’re more likely to walk or bike when your city’s infrastructure is designed for it.

The same thing is true of the infrastructure of your house. In cultures where people don’t have furniture and need to squat on the floor to sit and prepare food, people tend to stay agile into old age.

Here’s the bottom line: If you want to change something about your life, think about which structures are in place to support your old habit.

Unfortunately, the larger culture may be working against your healthy intentions. According to a recent study, only 3 percent of Americans have a healthy lifestyle, and the obesity rate is now up to 35 percent. We could clearly use some new society-wide systems.

But chances are, you can design a personal system to support your new habit. And when you do, you’ll be far more likely to follow through on your resolution. Here are some specific examples.

Design Your Life for Financial Security

Do you want to pay off debt, save money, or invest more? Here’s a surefire system to get on track. Set up your bill payments, savings deposits, and investment deposits to happen automatically. I resisted doing this for years, but once I did, my family’s finances improved dramatically.

You’ll need to set aside time to make a budget and then connect your accounts to your checking account or a credit card. If you have an employer, you may be able to also automatically divert some of your paycheck into savings and an investment account every time you get paid.

Don’t take an out-of-sight out-of-mind approach though. Sign up for alerts to find out what’s being withdrawn from your account. Then keep an eye on your account to make sure the appropriate amounts come in and out.

A company could accidentally overcharge you, although I haven’t had a problem in five plus years of automatically paying our bills.

Once a year, go through your bills to determine if you still need the service or can get a better deal with a different plan or company.

Design a Better Diet

If your resolution is to eat healthier, here are three systems to help you eat better:

  • Grow a vegetable garden
  • Join a Community Supported Agriculture (CSA) program
  • Plan your meals.

When you garden or join a CSA (a weekly box of produce bought directly from a local farm), you increase your consumption of fruits and veggies and build your meals around the freshest, most nutritious produce available. (Check out this article to learn more reasons Local, Seasonal Foods are Superfoods.)

People who cook their meals at home also eat healthier without even trying. Planning meals makes cooking easier because it prevents the horrible feeling of staring into an empty fridge with no idea what to make when you’re hungry. If you’ve never planned your meals, it’s simple. For inspiration and ideas, check out this article I wrote on the subject for Fix.com.

You never change things by changing the existing reality. To change something, build a new model that makes the existing model obsolete._ R. Buckminster Fuller

Design Your Life for Fitness

Want to get in shape this year (without buying an expensive gym membership)? Here are four ways to design your life for more physical activity:

  • Walk, bike, or ride public transit to work

Active commuting is a powerful way to improve your health. Regular walking is the best thing you can do to maintain a healthy weight, according to a British study. Cycling to work can decrease your risk of getting cancer by 45 percent and heart disease by 46 percent, according to another study. And in a different study, public transit riders were the healthiest of all commuters, probably because they ended up walking most. Bonus: This change is also good for the environment, and it may help you save money.

  • Exchange a car trip per day for a walking or bike trip

Not everyone loves going for a walk. Just ask my kids. But walking to do an errand feels more authentic than going for an aimless walk. Make it a regular errand, and you’ll build regular exercise into your life. Aim for a 20 to 30 minute walk a day to meet the government’s health recommendations.

  • Remodel your house with health in mind

Most people’s houses are designed for sitting, but there’s no reason you can’t redesign your home for better health. Some people are outfitting their houses with monkey bars, mini trampolines, pull up bars, or climbing walls, and even transitioning to furniture-free living.

Redesigning your kitchen in subtle ways can make a big difference as well. Did you know you’re likely to eat about 13 percent less food if you use a small plate? You’ll also eat less food if the color of your food contrasts with the color of the plate.

  • Join a fitness streaming membership

Whether you love pilates, yoga, qigong, tai chi, barre 3, or any other type of workout, chances are you can stream unlimited videos in your living room affordably. That means you’ll know exactly where to go when it’s time to work out, which can help cut the paralysis from having too many choices. I love Essentrics and YoQi, which are each $15 a month. And there are many, many more options.

How to Design Your Life for Fitness, Healthy Eating, and Financial Security

Conclusion

Old habits can be hard to break. Set yourself up for success by designing a system to make your resolution a reality.

If you liked this post, you may enjoy these similar posts:

  • Just One Small Change
  • Want Healthy, Happy Kids? Walk with Them.
  • The Art of Meal Planning
  • Try This Before Eliminating a Food Group
  • Confessions from the Car-Free Life
  • Local, Seasonal Foods are Superfoods

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January 9, 2018Filed Under: Health, Household Tagged With: Change, Changing a Habit, Financial Security, Getting Out of Debt, Habits, Healthy Eating, Investing Money, Lifestyle Design, Meal Planning, New Year's Resolutions, Resolutions, Saving Money, Systems Thinking

13 Ways to Spread Holiday Cheer Without Spending a Dime

By Abby Quillen

13 Ways to Spread Holiday Cheer Without Spending a Dime #christmas #holidays

I’m not stressing about the holidays this year. We’re planning to exchange some gifts, go for a hike, and eat a delicious dinner, but mostly we’re aiming for a relaxing day.

Around now, I’m always thinking about where I want to put my attention in the new year, and this year I am zeroing in on our finances and paying off debt. So a simple Christmas is exactly what we need. But we’ll be on the look out for ways to spread holiday cheer all week. If you’re in the same camp, here are 13 ideas for spreading joy without opening your wallet:

1. Leave a note on your mail box thanking your mail carrier for all of the hard work they do over the holiday season.

2. Send an email to old and new friends, catching them up on what you’ve been up to, and thanking them for being part of your lives.

3. Donate some of your extra clothes, books, and/or canned food to a homeless shelter or group home.

4. Give your friends, kids, or your partner the gift of your undivided attention for a few hours. Make a point to really listen.

5. Go caroling.

6. Invite some friends over for dinner or dessert.

7. Write to a few of your coworkers or colleagues and thank them for their hard work.

8. Smile and say hello to everyone you pass.

9. Visit someone in a nursing home.

10. Make a Skype date with a faraway friend or family member.

11. Make paper snowflakes to hang in your windows.

12. Leave a greeting on one of your favorite blogs. (We bloggers love connecting with readers.)

13. Take some time out alone to do something you love doing this time of the year, whether it’s going for a long walk, drinking eggnog, or reading a novel.

If you liked this post, you may like these related posts:

  • Celebrate the First Day of Winter
  • 6 Ways to Love Your Community
  • Connect with Your Neighbors
  • Simple Living Bootcamp

What are your favorite ways to spread joy without parting with your cash? I’d love to hear about them in the comments.

 

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December 23, 2013Filed Under: Family life, Simple Living Tagged With: Christmas, Gift Giving, Giving, Holidays, Saving Money, Simple Living, Spreading Joy

5 Simple (and Free) Ways to Entertain a Young Child

By Abby Quillen

5 simple and free ways to entertain a young child

According to the U.S. Department of Agriculture, the average American child will cost his parents $222,360 by the time he turns 17. I’d like to refute that number since so far my husband and I have needed to buy very little for our three-year-old son Ezra. We thrived without many of the must-haves on the infant lists: a bassinet, crib, diaper-changing table, infant car seat, etc. Boxes of beautiful hand-me-down clothes seem to show up the moment we need them. Family members and friends have generously gifted Ezra toys and books, a wagon, a tricycle, bikes, and a scooter. And he mostly just eats the same things we do.

Having kids isn’t so expensive, I like to muse to myself. But then I remember the major costs of having a small child: daycare ($10,740 a year on average for an infant in this area) or lost wages, and health care. Oh right. There’s no denying it: having kids can be costly.[clickToTweet tweet=”Having a child can be expensive, but entertaining one doesn’t have to be. #kids #parenting” quote=”Having a child can be expensive, but entertaining one doesn’t have to be.” theme=”style1″]

But here’s a little secret my son keeps teaching me – entertaining a small child can be simple, free, and fun. We spend most days doing the following free activities, all of which Ezra loves:

  • going on walks
  • riding bikes
  • visiting city parks
  • packing picnics
  • gardening
  • going to events at our local library
  • picking out and reading library books
  • telling stories
  • visiting friends
  • drawing, coloring, or painting
  • playing with homemade play dough
  • listening to music and dancing
  • playing with the neighbors

5 Simple and Free Ways to Entertain a Young Child #parenting

Honestly, he even loves to make beds and sweep. He can spend 20 minutes examining a ladybug and is endlessly interested in the gas caps on cars. It’s not hard to amuse him. Sometimes we go out for lunch or pick up a treat at our neighborhood market, but most days, we don’t buy anything.

On occasion, though, the old routines grow tiresome, and I sense that a more creative approach to entertainment is in order. Of course, a special event, elaborate art project, hike, or out-of-town trip is sure to please. But here are a few far more simple and free (or almost free) ways to entertain a small child that you might not have thought of:

1. Visit a construction site

Ezra is a huge fan of “tractors,” a class of vehicles that includes forklifts, dump trucks, cranes, front loaders, diggers, and all of the other big, loud machines you find at a construction site. He can stand mesmerized by these giant tools and the people using them for more than an hour. And then he talks about it for days afterward.

It only occurred to me recently to seek out construction sites for his entertainment. Fortunately, it’s spring and there are construction projects happening on all over the city. What’s surprised me is how entertained I am by watching humans construct giant buildings. It’s pretty amazing when you think about it.  

2. Go to the train station

Ezra loves trains. He builds tracks all over the living room and is quite particular about which train cars can go where. We’re planning to take him on a long train ride this summer, but recently it occurred to me that just visiting the train station when the passenger train comes in might be a big hit. It is. I imagine visiting an airport would be similarly entertaining if you live near one.

3. Ride the bus or light rail

We don’t ride the bus often. In fact, we ride it so little that I didn’t realize how much Ezra would love it until we needed to get across town on a rainy night and decided to opt for public transit instead of bikes. That was several months ago, and Ezra still talks about it. He loves sitting in the entry garden at our library, because across the street is “where the buses live” and he can watch them come and go. This pretty much sums up how easy it is to entertain a three-year-old.

4. Watch a game

It’s almost softball season, which means endless free entertainment opportunities in our neighborhood. There are a couple of games going on most summer nights at a park a few blocks away from our house. This year we’re looking forward to watching one of our friends play there, but in the past, we’ve watched many strangers play softball. With the night lights on, fans cheering in the stands, and kids running around on the grass – it’s fun and free entertainment. And if softball’s not your thing, there are almost always tennis matches, ultimate Frisbee games, and Frisbee golf tournaments going on in that same park. I’d guess a park near you offers similar free entertainment opportunities.

5. Turn a walk into a scavenger hunt

When motivated to get somewhere, I can’t believe how far Ezra can walk. When he’s tired, on the other hand, a few blocks can feel like an ultra-marathon. That’s when we hunt for things. Looking for cats, snails, things that start with the letter A, certain kinds of flowers, purple things, etc. can make a walk far more entertaining and help the blocks pass more quickly. Plus, I’m almost always amazed by the things Ezra notices that I never would.[clickToTweet tweet=”Stumped for ideas for entertaining a preschooler? Try these. #kids #parenting” quote=”Stumped for ideas for entertaining a preschooler? Try these.” theme=”style1″]

If you like this post, check out more of my popular posts about parenting:

  • Want Healthy, Happy Kids? Walk With Them.
  • 7 Ways a Kitchen Timer Can Improve Your Life
  • Feeling Stuck? Slow Down.
  • Free Range Learning

I’d love to hear your ideas (especially for entertaining girls, since I’m not as experienced in that area).

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May 25, 2011Filed Under: Parenting, Simple Living Tagged With: Child Rearing, Entertaining Young Children, Parenting, Saving Money, Simple Living

7 Cheap Ways to Spend a Weekend Afternoon

By Abby Quillen

1. Visit a new neighborhood.

Get on a random bus and see where you end up. Or bike to a neighborhood you’ve always wanted to explore. Once you’re there, just wander around.

2. Grab your camera and go for a walk.

Decide beforehand what you want to snap photos of – flowers, tree branches against the sky, the color purple. You might be surprised at how differently you look at everything, even on a familiar walk.

3. Discover a new food.

Visit the produce section of your grocery store or your farmer’s market and find a fruit or vegetable you’ve never eaten. Then find a recipe for it. Last week, we tried yucca-root quesadillas. (They were good, but a little bland. Next time we’re going to spice them up a little more.)

4. People watch.

Go to a bustling part of town and just sit or wander around and enjoy the spectacle of your fellow townsfolk. My favorite people-watching spots: the college campus, the library, and just about any coffee shop.

5. Visit open houses.

Check the real estate listings in the newspaper and on Craigslist and visit some open houses. Pretend you’re picking out some new digs, or just find out how other folks live.

6. Find a free event.

Go to a lecture. Attend a book reading. Go on a group nature walk. Or take your kids to a story time or free play.

7. Watch a sporting event.

Go to a little league game or a high school sporting event. Bring a picnic. Root for a team. Cheer.

What’s your favorite cheap way to spend a weekend afternoon?

April 6, 2010Filed Under: Simple Living Tagged With: Exploring, Saving Money, Simple Living

Resolve to Save Money

By Abby Quillen

I’ve heard that most of us forget our resolutions sometime before Martin Luther King Day. But maybe we’re just making it too difficult? Living better often comes down to slowing down and keeping things simple. In that spirit, I’ll tackle a few common resolutions.

My goal is to share the easiest, least expensive, most practical knowledge I’ve gleaned on how we can live better. Share your favorite tips in the comments section, too.

If you’re serious about making positive changes, some experts advise that you focus on one specific, defined, quantifiable goal at a time. So pick one from the list and go for it!

Ten Ways to Save Money


Quite a few of us became reluctant experts on the art of pinching pennies. My husband and I became adept at tightening an already tight budget. Here are the best ideas I’ve come across so far:

1.  Write down everything you spend.

Do you already have a budget? If not, write down everything you buy for a week. It will make you aware of your spending habits. (You may be surprised how much incidental purchases add up.) Then use what you learn about your expenses to make a monthly budget.

2.  Carry cash

Try ditching the debit and credit cards and using cash for purchases. You may find that you’re more conscious of how much you’re spending. Parting with cash can feel more real than swiping a card. And a study suggests carrying large denomination bills makes people much less eager to spend money.

3.  Pay your Savings Account first

Determine how much money you can afford to save, and pay your savings account before you pay any other bills. If your employer offers direct deposit, automatically divert a portion of your paycheck into your savings account.

4.  Give yourself free money

Make sure each member of the household has a designated amount of money to spend on whatever they wish. It will help everyone stick to a tight budget without feeling deprived.

5.  Park your car for a week.

My husband and I recently parked our car for an entire month. We don’t drive much, so we thought it would be easy. It wasn’t. We learned how to be so much more economical with our trips and purchases. When you’re relying on public or human-powered transit, things like going to a box store on the outskirts of town, running out for last-minute take-out, or buying anything big and heavy become less attractive options.

We honestly missed the car a little more than we hoped we would. But we enjoyed riding our bikes everywhere, especially our son. He retrieves his bicycle helmet first thing in the morning and says, “Vroom, vroom.” His zeal for two wheels keeps us riding our bikes nearlly everywhere – even when it’s raining.

6.  Make your own

Stock up on baking soda, vinegar, and hydrogen peroxide, and whip up your own personal care products and household cleaners. These three ingredients are non-toxic, inexpensive, versatile, and amazingly effective.

Start with:

  • Shampoo and conditioner
  • Deodorant
  • All-purpose cleaning spray

7.  Eat at home

If you eat out just once a week and spend $30, that adds up to $120 a month and $1,560 a year. It’s not hard to see how dining at home can save you lots of cash.

8.  Plan your meals

A meal-planning system can cut your grocery bill by hundreds of dollars a month. It can also help you eat healthier, incorporate more whole foods into your diet, enjoy cooking again, stop those last-minute “let’s just get a pizza” nights, and even help you get along better with your spouse. Want to learn more? I wrote about the art of meal-planning here.

9.  Cook from scratch

You can save a lot of cash by giving up processed and packaged food and preparing your meals from scratch. I’ve cut our food budget by at least $300 a month this way. But more importantly, I love it. It’s more labor-intensive, more time-consuming, and more general effort. But cooking from raw ingredients is creative work. Our house smells of fresh-baked bread; or of garlic, oregano, or basil; or of soup slowly simmered, and it just feels a lot more like home. Want to learn more? I wrote about cooking from scratch here.

10.  Eat local foods seasonally

In Eating Close to Home, Elin Cristina England writes, “We seem to have collectively succumbed to the myth that a green lettuce salad with a tomato should be part of every dinner from January to March.” She argues that we should eat seasonally, with our winter meals consisting of mainstays like carrots, parsnips, turnips and rutabagas. If we eat this way, she writes:

Over the course of a year, we end up eating a varied diet, from a wide range of the plant kingdom, which nourishes us with a full complement of vitamins, minerals, and other nutrients.

Imagine how much money you might save on food by letting go of the idea of eating like it’s the peak of summer year-round.

Do you have any tips on saving money to share?


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January 4, 2010Filed Under: Simple Living Tagged With: Budgeting, Cooking from scratch, Meal Planning, New Year's, Resolutions, Saving Money

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