Skip to main content

3 Tips to Maintain Healthy Habits

This weekend I was looking forward to a great time. I had lots of stuff going on and the weekend just sort of got away from me. On Friday night I got absolutely slammed with work and it turned out that I really didn't get out from underneath it until Saturday night. To add insult to injury, I was experiencing a bit of discomfort from a muscle strain in my back that was presumably from working out on Friday night. Truthfully, I am fairly timid when I exercise and I am surprised that I hurt myself, but then again, it was bound to happen sooner or later, right?

So I've taken a break from exercising for a few days but now I am out of my routine. And just like anything else for me, once I get into a routine, the inertia of it all makes it simple for me to continue. But then again, once I find myself outside of it, it is hard to recover. But I've recovered before and so I am going to get back on the horse again.

Similarly, at one of my jobs I made a financial mistake which cost me some inertia. I decided to stop my 401k contributions for a short period of time. And during this time I said that I was going to pay off my credit cards. But deferring or pausing or stopping your retirement contributions in order to pay down debt just doesn't make sense to me now. And I don't know why it ever did. (maybe it was those predatory interest rates?)

At any rate, before I started rambling --- the point is that I really need to guard my inertia when it comes to developing good habits. So my strategy is this: eliminate excuses before they become convenient outs.

My Three Tips to Keep Exercising --

1. If you don't have time to do something like exercise -- go on the offensive and get things done ahead of time. I try to do work, clean, etc so that I have no excuse not to do it.
2. If you don't want to do something but really should, doing it right when you get home might be the best thing. For me, I find that this is the ideal time. I haven't totally transitioned into "me" time yet, so I don't feel quite so resistant.
3. Smaller increments are better. The habit or "inertia" is what you are guarding, not the actual act. Therefore I'd argue that 3-20 minute sessions of exercise are better than a single 1 hour session because 3 develops more of a habit over a week. So that is what I try to do. Plus 20 minutes doesn't seem like a burden.


Comments

Popular posts from this blog

Do Better With Your Time

Recently, I've been extremely busy with some work commitments. The interesting thing for me is that this increased work activity has really helped crystallize some of my feelings with regard to time. And these ideas are a critical part about my view on personal finance. I'm curious to know if others feel similarly. Time is money. That is, Time, in some way, contains energy. Money, is also energy. In the act of working, I am able to compound and increase the amount of money that I have. I am exchanging my time and effort and thought which are components of my work, for the productivity that I produce. And this production gets me money from my employer. However, the first dollars that I make each day, week, or month are the most valuable. Then the ones that I make at the end are the most valuable. (Forget about taxes for a minute.) The reason is, the first ones help me have a place to live and food to eat. And the last ones are the ones that I can use to really improve my life lo...

Awkward Family Money Situations

I was about to write this as a comment, but its quite long and brings up a ton of issues so here goes. First, check out  <a href=" http://hereverycentcounts.blogspot.com/2007/06/money-and-etiquette-why-are-important.html ">this story at here every cent counts</a>. Now on to my response. I am just mortified by this story. I cannot even imagine that people with kids would expect someone in college to pay for their own dinner. I'm assuming that this is an aunt/uncle/great aunt/great uncle situation and that you are a young college student in late teens, early twenties with no full time job. All of my answers below are based on those assumptions. If that is the case, they should *splurge* the 20 bucks for dinner. They are an adult here and as much as I believe that you should be independent, while you are in college and struggling for money, you should be treated on an occasion like this. Big Question: How do your mom and/or dad and/or other immediate family ...

Suze Orman Goes Too Far!

I've been a fan of Suze Orman for years. When I first started working after graduating college and then I started to make some money, my experience with other members of my family, mostly my grandparents, showed me that I needed to figure this money thing out. So, I set out to understand how money works and I found Suze. Many financial gurus are out there and for the most part, much of the advice overlaps, but Suze really seemed to be right along my line of thinking.  I bought the books, watched the show, and despite the fact that I feel like I've largely outgrown it so long as I follow the lessons, I really wanted to check up on how things were going. I went to the CNBC website and found an interview where she said this: "I do really live within my means. I have absolutely no debt. If I don't have the money to write a check, then I can't afford it. I never, ever, ever spend old money, so I'm only allowed by my own standards to buy something new with new mone...