We all have a habit and habits aren’t always necessarily bad for our health or body. They can be a welcome indulgence during a stressful time or to help you relax and slow down. But when a habit is starting to cost a lot, they can end up becoming too expensive for what you can afford. Here are the habits that are costing you your hard earned dollar.
It’s one of the few habits that’s actually bad for your health, but it’s also one of the most expensive habits to have too. With the price inflation of cigarettes going up, the cost of them is more significant now than it was years ago. However, with the introduction of vaping, you can take advantage of giant vapes, which are a slightly cheaper alternative and possibly not as harmful. It might be worth a try if you’re a regular smoker.
A lot of us like to drink, and it’s pretty much available at many social occasions or events that we find ourselves at. So it can be very hard to avoid, and once you’ve started, it can be very easy to spend a lot of money in the space of a few hours. Particularly if you live in a big city environment, the price of alcohol is going to be a lot higher than if you lived out in the sticks. If you can, try to drink cheaper spirits and avoid the cocktails as they are the priciest when it comes to the value you get.
Trips To The Coffee Shop
A lot of us will know the feeling of going into work, not quite awake yet and the thought of a coffee en route to work seems like the perfect opportunity to spoil yourself. However, you’ll probably find those trips have become a daily occurrence, and it’s quickly eating into your bank balance. Even though they are only small amounts, once tallied up, you’ll be shocked at how much you spend over the course of a week or month. It might be cost effective to get yourself a coffee machine at home with a reusable cup.
The beauty industry has certainly become precedent in the past few years. Mainly brought about by the increase of reality shows and celebrities promoting beauty procedures to their followers. There’s also this need to perfect our looks and any insecurities that we may have that can be quickly zapped or cut away.
Eating Out Or Takeouts
One that we’re all guilty of is eating out or treating ourselves to a take out. And that’s fine in moderation, however, if you’re finding yourself eating out quite a lot, this can end up impacting your bank balance severely. Try to restrict the amount you eat out or order in and cook yourself. Offer to host social occasions and dinners in your home, and you’ll be saving everyone money!
Habits can become addictive, so it’s important to take control when necessary to ensure that you’re not spending beyond your means.
No-one lives the entirety of their life without a few regrets; the best you can hope for is that they’re the right regrets, that they’re the ones you can live with. You might regret not having seen your favorite band on their final tour, but that thought isn’t going to give you too many sleepless nights later on in life. There are some things however, that can cause problems, both in the immediate future and when a person is looking back and reflecting on how they lived. The good news is that if you know what these big regrets tend to be, you can do things to ensure that you don’t end up living with them in the future. Below, we take a look at some areas of life that can cause issues later in life.
Everyone wants to fit in, to varying degrees. There are benefits to working hard to establish and maintain good relationships, but in our quest to be accepted, it’s often the case that we dampen certain sides of ourselves. We might tone down our views so as to not offend others, even when we don’t know for sure that they will be offended. The other side of the ‘fear of expression’ coin could be ‘fear of ridicule.’ No-one wants to be laughed at, which does seem to be an unavoidable aspect of putting yourself out there — no matter what you do, there’s always a chance that someone — or many people — will judge, mock, and the rest. The choice is between bowing down to this reaction or standing tall!
Working Too Much
We have to work in order to live. There’s no getting around that one! But we don’t need to work fifty plus hours a week, for years on end. There are advantages to working long hours — you’ll be paid more, most likely — but you’ll be missing out on a lot of the fun aspects of life. Even if you enjoy work, you probably don’t love it enough to make it essentially your entire life. Of course, it’s easy to fall into the idea that you have no choice but to work as many hours as you can — but in 95% of cases, that’s nonsense. There’s much to be said for working fewer hours and gently decreasing your standard of living. You’ll have more time to enjoy the finer things in life.
Taking Friends and Family For Granted
You don’t need us to tell you how annoying friends and family can be. They push your buttons, they have their annoying habits, you seem them too often — it’s enough to drive anyone mad. But who can blame them for being less than perfect? Ultimately, when you’re in a difficult moment, it’ll be your friends and family who are there to pick you up, help you out, and they’re also going to be there for all your happy moments, too. Later in life, many people look back and realize that they didn’t treat their loved ones as well as they could have. So give thanks for them, as often as you can! And if you’re really struggling to move past their annoying habits, just remember that you’re not perfect either….
Living Too Little
There comes the point in most people’s life when they want to find a partner, settle down, and live the life they want. However, it’s possible that this process can come too early in a person’s life. Because youth is so fleeting, people who settled down too early sometimes end up regretting not trying different modes of living before they decided on whatever lifestyle they ended up living for the bulk of their life. If you find yourself in this position, then it’s important to remember that there are no age limits on pushing yourself to try new things — it might be a little more difficult when you’re older, but you can do it.
In a talk about love, Alain de Botton references an old Eastern European philosopher, who says that “get married, and you’ll regret it. Don’t get married, and you’ll regret it.” You can’t win, basically. The only way to make it more bearable is to look for a person who isn’t “perfect,” but “good enough.” That’s love! Now, it’s always advisable to think carefully about long-term compatibility when it comes to finding a life partner, but what about having children? There’s a biological impulse that kicks in there, and though you need to make sure that your financially and emotionally ready for it, the decision can sometimes feel like it’s been taken out of your hands. Few people regret having children; many regret not having children. They feel like they’ve missed out on an essential life experience. Of course, some people can’t, for biological reasons, have children — but that problem is slowly being overcome, thanks to the work of companies like www.MCRMFertility.com. Having children definitely isn’t easy, far from it, but it is worth it! However, it’s also worth noting that you should never have children just because you think it’s something that you “should do,” something to tick off a bucket list. This is a lifelong commitment we’re talking about here.
Being Lead Away
No-one has all the answers as they’re navigating through life, especially in their formative years, and even more so when they’re going through a rough patch. During those times, we can often look to others to guide us — but while we can be drawn to people who are, say, fun, or daring, or who otherwise have something that we lack, it’s important that we’re not lead astray. Many people end up making poor decisions because they fall in with a bad crowd, who are friends in a loose sense, but who cause us to make mistakes. For a small amount of time, it’s no issue — but if it has a long-term, negative impact on a person’s life, they usually, and rightly, end up regretting it.
Poor Health Choices
When we’re young, everything is easy (ish), when it comes to our health. Being fit in your twenties doesn’t mean anything. It’s easy. However, the habits we fall into during those periods can have lasting effects. For example, smoking, drinking too much, or eating poorly. If we abuse our bodies for too long, the damage will be done (because they become part of our lifestyle), and we’ll feel the effects later on in life. Things like drinking might seem harmless, and the data shows that some drinking alcohol might not have a dramatic effect on the longevity of your life — but it does have an impact on the quality of your later years. To stay up and active for longer, a person needs good, healthy habits.
Everyone – even those who have never smoked – is aware that quitting smoking is a difficult task. In fact, the difficulties are so well-known, characters making an attempt are often featured as a plotline on TV shows and in movies, such is the universal understanding of just how challenging an undertaking quitting for good can be.
Yet somehow, thousands of people a year manage to say goodbye to cigarettes for good. If you currently are, or know someone who is, a smoker, you may have wondered why some people manage to quit while others are more likely to flounder. While it’s true that every smoker’s quitting story is somewhat unique, there are a few uniting factors behind the successful “I quit” stories…
Successful quitters… understand the process is going to be tough
One of the dominant stereotypes of any addictive behavior is the individual’s belief that they can “quit anytime they want”. Despite the common acceptance that quitting smoking is tough, some smokers start their quitting attempt with the belief that they will be the exception to the rule. This belief then doubles-down the difficulty of quitting; they experience the effects of nicotine withdrawal, and they are particularly disappointed or even surprised by them, which makes relapse more likely. Successful quitters, on the other hand, know that quitting is going to be difficult, so they’re more able to adapt when they encounter a few bumps in the road.
Successful quitters… don’t go it alone
Quitting smoking “cold turkey” – i.e. stopping abruptly and without any kind of nicotine replacement – is rarely successful. While some people do respond well to a clean break, most smokers need a tapering off of their nicotine consumption. From vaping to standard nicotine patches, there are plenty of smoking alternatives that are well worth exploring.
Successful quitters… focus on the cost benefits
Smoking is an expensive habit, and successful quitters often keep a running tally of the amount they have saved through quitting smoking. These savings can be substantial even when factoring in the costs of nicotine replacements, given it’s relatively easy for vapers to find affordable premium e juice, while patches can be bought in bulk to maximize the savings. As a result, you may find it useful to track your savings, with the total figure not spent on cigarettes capable of boosting your spirits and willpower on the tougher days.
Successful quitters… know quitting isn’t just about nicotine
In a world where vaping and nicotine replacement therapies can help to reduce cravings almost entirely, it seems that quitting should be relatively simple. However, successful quitters know that smoking isn’t just about nicotine. Smoking is almost a lifestyle, a way of living, an influencing factor that shapes a person’s day-to-day life. Without smoking, many smokers struggle; there’s no cigarette break to look forward to, no daily trip to the store to purchase more cigarettes, no obvious way to relax after a long day of work. Successful quitters understand these lifestyle changes can be as – if not more – significant than nicotine withdrawal itself; as a result, they’ll look to keep themselves busy, often taking up new hobbies to fill the time until they adjust to a cigarette-free way of being.
In conclusion Quitting smoking is undeniably challenging but, by keeping the secrets of the successful quitters in mind, you should be able to find your way to a cigarette-free future. Good luck.
There are times when borrowing money is a wise decision. Most people wouldn’t be able to go to university or buy property without a loan. Meanwhile, when it comes to emergencies such as pet treatment or fixing plumbing leaks, loans can also be an option for those that wouldn’t otherwise have the funds.
Unfortunately, there are also many times when borrowing money isn’t so wise. Here are just a few examples of things you should never get into debt for.
Personal treats such as clothes aren’t worth getting into debt for – and yet many people are all too willing to go on a shopping spree the moment they get a credit card. As soon as you start having to pay back your debts, you’ll immediately regret spending money on these clothes. Only buy personal treats with your own money so that you feel as if you’ve earnt them.
Going on holiday
Holidays can cost some families hundreds if not thousands. Few people have this money stashed away, which may make it seem like a suitable time to borrow money. However, a holiday is still a treat and you could similarly regret it afterwards once you start paying back the debt rather than looking back on it fondly. Always try to save up money for holidays rather than paying for them with a loan – look into the best online banks to find the highest interest rates and you may be able to save up more quickly. The only time you may want to borrow money for a holiday is if an emergency comes up and you’ve already paid your deposit and would have otherwise been able to afford it.
Funding a gambling habit
You should never gamble with borrowed money. If you lose, you’ll have got yourself into debt for no reason at all. Borrowing to fund a gambling habit could be a sign that you can no longer gamble responsibly and that should probably quit gambling altogether. Borrowed money should similarly never be used to fund other bad habits such as smoking, drinking or buying drugs.
Taking out a loan for someone else
If somebody else asks you to take out a loan for them, it’s probably because their credit score is so low that they can’t get accepted for a loan themselves. A poor credit score is usually the result of not being able to make payments on time – whilst this person may promise to pay back the debt, there’s no guarantee that they will keep to this if they’ve previously struggled with making payments on time. Don’t let other people drag you into debt and potentially ruin your credit score too.
Paying off debts with more debts
Taking out a loan to pay off existing debts can be done strategically – you may be able to consolidate lots of small debts with one big loan or you may be able to refinance a debt so that you pay lower interest. However, most people simply aren’t savvy enough to do this and so instead end up getting into a vicious cycle of paying off debts with debts and then trying to pay these debts off with more debts until eventually the overall amount due is huge. You’re best only paying off debts with loans under the guidance of a debt advisor.
Mental Health Problems That Are More Common Than You Think
Often mental health problems aren’t talked about as much as physical ones. This perhaps because of the stigma that surrounds them, as well as the culture of blame on the individual that can be associated with such disorders. However, there are many mental health problems that numerous people, meaning they are a lot more common than you would think. Something that we all need to realize more to get help ourselves and support loved one going through them. With that in mind read on to find out about the most common mental health conditions and their treatment below.
Bipolar disorder is a mental health issue that affects millions of people in the US. When folks are suffering from this disorder, they have extreme moods, meaning the can be very up and seemly happy or very low down in the depths of depression. For some people, this mood shift takes time to occur, while others that have a rapidly cycling form of the condition go through mood changes very quickly.
There are treatments for bipolar available though that can help manage the condition including medications, CBT therapy, and mindfulness-based techniques. These treatments being designed to help the sufferer cope with the mood swings and make wise choices despite what their biological self may be insisting on.
Addiction is another very common mental health problem that affects millions worldwide. Some people may not even realize that they are addicted to a substance as so many are socially acceptable in different cultures, such as smoking, drinking alcohol and overeating.
However, there are substances that are illegal and taboo that people still get addicted to such as crystal meth. This s a powerful stimulant that can cause havoc in the mind and body. Something that means if you are concerned a loved one is using this drug then it is important to educate yourself by reading articles like this post on warning signs of crystal meth abuse and compare the symptoms with what they are displaying. Then if your fears are confirmed, you can help them to seek treatment for this. An action that is likely to improve their quality of life as well as ensuring that they live longer too.
OCD is an anxiety condition that over 2% of the population suffer from. Many people associated it with cleaning and checking things, but it can be centered on many different topics such as responsibility, and symmetry.
The primary concern in OCD is referred to as the obsession, and the compulsions are actions that that suffers does to relieve them. Some of these will be physical such as excessive hand washing, but others will be purely mental or even cause sufferers to avoid certain situations in which they will get triggered. An action that can have a massive effect on their life.
Luckily, there is now a standard treatment for OCD and its CBT including ERP or exposure response prevention. This includes re-assessing this issue as a worrying problem and the sufferer deliberately exposing themselves to situations that raise anxiety so they can learn to cope with them better.