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Post by Deleted on Jul 1, 2017 12:48:10 GMT -5
Well, I have tons of good financial habits. - I reconcile ALL my accounts (2 checking and several credit cards) every single morning.
- I pay off all credit cards monthly (usually several times a month).
- I track every transaction by entering it into an app on my phone when I make them, usually at the check out, but for sure in the van right after.
- I have put every raise for the past 12 years into my 401K
- I haven't financed anything beyond CC float and the mortgage for 15 years.
Now if I only had this much of a handle on health things or home maintenance/cleaning. lol, even for YM, this is a nerd-alert! Either that or OCD.... With manually entering every transaction as I go, it takes me less than 5 minutes to reconcile all the accounts. Basically just the time it takes me to login to the accounts and hit the download button. Nothing compared to the time I waste on these boards.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Jul 1, 2017 13:13:14 GMT -5
can you share what was so interesting in the first half? How to develop good habits?
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Bonny
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Post by Bonny on Jul 1, 2017 13:47:48 GMT -5
lol, even for YM, this is a nerd-alert! Either that or OCD.... With manually entering every transaction as I go, it takes me less than 5 minutes to reconcile all the accounts. Basically just the time it takes me to login to the accounts and hit the download button. Nothing compared to the time I waste on these boards. Lol, I was thinking OCD too.
I know my husband looks at the bank accounts every day. I prefer to stick my fingers in my ears and say "La-la-la" until my once a month bill paying.
My good habit is not smothering DH with a pillow in his sleep when he has pissed me off.
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weltschmerz
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Post by weltschmerz on Jul 1, 2017 13:54:44 GMT -5
Sounds pretty OCD to me, as well.
I'm the opposite. I don't track any of my transactions. If there's money in the bank, I spend it.
If I'm a little short, my overdraft protection will cover it.
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Post by Deleted on Jul 1, 2017 14:38:18 GMT -5
Sounds pretty OCD to me, as well. I'm the opposite. I don't track any of my transactions. If there's money in the bank, I spend it. If I'm a little short, my overdraft protection will cover it. How do I get labeled OCD and everyone else has "habits"? For me to accomplish what I want to do on my income I need to be diligent with every dime, there isn't much leeway there. I can't just spend everything until I get an overdraft notice.
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weltschmerz
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Post by weltschmerz on Jul 1, 2017 15:26:26 GMT -5
Sounds pretty OCD to me, as well. I'm the opposite. I don't track any of my transactions. If there's money in the bank, I spend it. If I'm a little short, my overdraft protection will cover it. How do I get labeled OCD and everyone else has "habits"? For me to accomplish what I want to do on my income I need to be diligent with every dime, there isn't much leeway there. I can't just spend everything until I get an overdraft notice. Not much leeway for me, either. I live paycheque to paycheque.
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zibazinski
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Post by zibazinski on Jul 1, 2017 15:38:08 GMT -5
Sounds pretty OCD to me, as well. I'm the opposite. I don't track any of my transactions. If there's money in the bank, I spend it. If I'm a little short, my overdraft protection will cover it. How do I get labeled OCD and everyone else has "habits"? For me to accomplish what I want to do on my income I need to be diligent with every dime, there isn't much leeway there. I can't just spend everything until I get an overdraft notice. 😂😂😂
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zibazinski
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Post by zibazinski on Jul 1, 2017 15:43:15 GMT -5
Yes. Just regular sit ups. I guess I don't understand the question. I was just thinking that it would be too soft and one would be rolling from side to side while doing it.... It's probably better on your back though. Not as much strain.
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zibazinski
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Post by zibazinski on Jul 1, 2017 15:45:40 GMT -5
Sounds pretty OCD to me, as well. I'm the opposite. I don't track any of my transactions. If there's money in the bank, I spend it. If I'm a little short, my overdraft protection will cover it. How do I get labeled OCD and everyone else has "habits"? For me to accomplish what I want to do on my income I need to be diligent with every dime, there isn't much leeway there. I can't just spend everything until I get an overdraft notice. OCD and too many chicken pictures. Girl, you're a mess!!! 😂
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NastyWoman
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Post by NastyWoman on Jul 1, 2017 17:06:50 GMT -5
Sounds pretty OCD to me, as well. I'm the opposite. I don't track any of my transactions. If there's money in the bank, I spend it. If I'm a little short, my overdraft protection will cover it. How do I get labeled OCD and everyone else has "habits"? For me to accomplish what I want to do on my income I need to be diligent with every dime, there isn't much leeway there. I can't just spend everything until I get an overdraft notice. I love your, slightly, OCD habit
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countrygirl2
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Post by countrygirl2 on Jul 1, 2017 17:25:17 GMT -5
I don't know, I have so many bad habits.
Well, I do pay off the 3 credit cards a few times a month, we NEVER pay interest.
I brush my teeth morning and night religiously.
Work hard around the house, have to to keep up with it all, but I also procrastinate like reconciling everything, have one acct done now with 3 to go.
Keep the place pretty neat, if just me would be spotless, but isn't.
Cook most meals from scratch.
Take care of everybody in my small family. Keep up with the laundry.
Never leave my kitchen a mess at night, couldn't stand it.
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Lizard Queen
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Post by Lizard Queen on Jul 1, 2017 21:34:11 GMT -5
can you share what was so interesting in the first half? How to develop good habits? A big flaw in the book is that it doesn't delve very deeply in how to develop good habits, but it gives really interesting examples. It does say that it's extremely complicated, so a lot of trial an error are usually needed. So, the first half of the book talks about how habits aren't conscious things. Your brain waves are much more like sleep when you are running through an established routine, vs. when you are just learning, or very conscious of the steps you are taking. This helps us to be able to accomplish much more, as mundane things run automatically in the background while we can focus on learning and doing much more complicated things. There was an example of a man who got brain damage from an illness, and loss all short-term memory ability. Yet, he could learn things that were habits/routine, without even consciously knowing how he knew these things. The author mentioned that habits run in a more primitive part of the brain, the basal ganglia, I think. I found this concept fascinating, and possibly very useful. The examples of Michael Phelps, and some famous football coach were explained in detail in regard to habit forming. (Sorry, the book went back to the library, so I can't look up the specifics.) Then the author related to habits in business, which was also interesting. Then more examples about business, and more, and more in the second half. That would've been interesting too, I suppose, if I weren't yearning for a little more detail in how to establish good personal habits. He did say you can't get rid of bad habits, but you can modify the routine that comes between your cue and you reward. You also have to be able to figure out what your specific cue and rewards are, which can be tricky.
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Lizard Queen
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Post by Lizard Queen on Jul 1, 2017 21:35:20 GMT -5
Sounds pretty OCD to me, as well. I'm the opposite. I don't track any of my transactions. If there's money in the bank, I spend it. If I'm a little short, my overdraft protection will cover it. How do I get labeled OCD and everyone else has "habits"? For me to accomplish what I want to do on my income I need to be diligent with every dime, there isn't much leeway there. I can't just spend everything until I get an overdraft notice. I would love to have your financial OCD!
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Rukh O'Rorke
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Post by Rukh O'Rorke on Jul 2, 2017 13:08:54 GMT -5
can you share what was so interesting in the first half? How to develop good habits? A big flaw in the book is that it doesn't delve very deeply in how to develop good habits, but it gives really interesting examples. It does say that it's extremely complicated, so a lot of trial an error are usually needed. So, the first half of the book talks about how habits aren't conscious things. Your brain waves are much more like sleep when you are running through an established routine, vs. when you are just learning, or very conscious of the steps you are taking. This helps us to be able to accomplish much more, as mundane things run automatically in the background while we can focus on learning and doing much more complicated things. There was an example of a man who got brain damage from an illness, and loss all short-term memory ability. Yet, he could learn things that were habits/routine, without even consciously knowing how he knew these things. The author mentioned that habits run in a more primitive part of the brain, the basal ganglia, I think. I found this concept fascinating, and possibly very useful. The examples of Michael Phelps, and some famous football coach were explained in detail in regard to habit forming. (Sorry, the book went back to the library, so I can't look up the specifics.) Then the author related to habits in business, which was also interesting. Then more examples about business, and more, and more in the second half. That would've been interesting too, I suppose, if I weren't yearning for a little more detail in how to establish good personal habits. He did say you can't get rid of bad habits, but you can modify the routine that comes between your cue and you reward. You also have to be able to figure out what your specific cue and rewards are, which can be tricky. shoot! that would have been a good thing to include. Thanks for the info, I was interested in getting the book, but not if it leaves that part up for grabs.
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Lizard Queen
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Post by Lizard Queen on Jul 2, 2017 14:24:14 GMT -5
A big flaw in the book is that it doesn't delve very deeply in how to develop good habits, but it gives really interesting examples. It does say that it's extremely complicated, so a lot of trial an error are usually needed. So, the first half of the book talks about how habits aren't conscious things. Your brain waves are much more like sleep when you are running through an established routine, vs. when you are just learning, or very conscious of the steps you are taking. This helps us to be able to accomplish much more, as mundane things run automatically in the background while we can focus on learning and doing much more complicated things. There was an example of a man who got brain damage from an illness, and loss all short-term memory ability. Yet, he could learn things that were habits/routine, without even consciously knowing how he knew these things. The author mentioned that habits run in a more primitive part of the brain, the basal ganglia, I think. I found this concept fascinating, and possibly very useful. The examples of Michael Phelps, and some famous football coach were explained in detail in regard to habit forming. (Sorry, the book went back to the library, so I can't look up the specifics.) Then the author related to habits in business, which was also interesting. Then more examples about business, and more, and more in the second half. That would've been interesting too, I suppose, if I weren't yearning for a little more detail in how to establish good personal habits. He did say you can't get rid of bad habits, but you can modify the routine that comes between your cue and you reward. You also have to be able to figure out what your specific cue and rewards are, which can be tricky. shoot! that would have been a good thing to include. Thanks for the info, I was interested in getting the book, but not if it leaves that part up for grabs. Well, to be fair, there is an appendix that walks you through an example--a pretty simple example. It's still up to you to figure out how to apply this information to your own life. Like, I still don't know how to add flossing to my toothbrushing routine. I would suggest just borrowing the book from your library, if you are so inclined.
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NoNamePerson
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Post by NoNamePerson on Jul 2, 2017 17:10:09 GMT -5
Three pages in and I'm still trying to come up with one good habit.
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msventoux
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Post by msventoux on Jul 2, 2017 20:06:51 GMT -5
Three pages in and I'm still trying to come up with one good habit. Well, from looking at your avatar you routinely check behind the couch while you're hiding there, so it must be clean of dust bunnies. And it looks like you're doing squats while you're checking, so you exercise regularly. 😁
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NoNamePerson
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Post by NoNamePerson on Jul 2, 2017 21:14:51 GMT -5
Three pages in and I'm still trying to come up with one good habit. Well, from looking at your avatar you routinely check behind the couch while you're hiding there, so it must be clean of dust bunnies. And it looks like you're doing squats while you're checking, so you exercise regularly. 😁 I like the way you think. Now I can relax since I apparently do have a good habit after all. Thanks.
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Bonny
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Post by Bonny on Jul 3, 2017 13:45:16 GMT -5
Sounds pretty OCD to me, as well. I'm the opposite. I don't track any of my transactions. If there's money in the bank, I spend it. If I'm a little short, my overdraft protection will cover it. How do I get labeled OCD and everyone else has "habits"? For me to accomplish what I want to do on my income I need to be diligent with every dime, there isn't much leeway there. I can't just spend everything until I get an overdraft notice. Because it takes one to know one!
I may not be OCD about checking my bank accounts but I have plenty of other OCD issues.
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Chocolate Lover
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Post by Chocolate Lover on Jul 3, 2017 13:59:41 GMT -5
I was just thinking that it would be too soft and one would be rolling from side to side while doing it.... I don't. But I do a lot of sit ups though. Maybe that has something to do with it. My mom does her leg exercises before getting out of bed every morning. I don't think sit ups are involved though.
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countrygirl2
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Post by countrygirl2 on Jul 4, 2017 7:20:21 GMT -5
I do check our checking accounts daily and look at the main credit card to make sure nothing funky is going on.
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Blonde Granny
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Post by Blonde Granny on Jul 4, 2017 7:29:42 GMT -5
After working at our local VA Medical center as a volunteer for over a year now, even in grocery stores every man is called "sir" and everyone woman "mam". It amazes me how it has carried over to all the places outside the VA.
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thyme4change
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Post by thyme4change on Jul 4, 2017 8:50:48 GMT -5
I'm sure I have some. The only things I can think of now are that I eat at least one vegetable perday, usually some fruit too. I have appropriate portion sizes most of the time, and I drink a lot of water. I drink one cup of coffee per day and a glass of wine a few times per week (maybe only 7 days per week?) But other than that, I rarely drink anything but water.
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Shooby
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Post by Shooby on Jul 4, 2017 9:08:03 GMT -5
Another good habit I think is that i don't over eat. I hate feeling stuffed or overly full. And, I really dont' like eating a late dinner. Even on vacay, we go out for the early bird or I would rather eat a bigger lunch and just a small supper. However, sometimes i forget that other people are hungry because I really don't think i could stomach 3 hearty meals a day. That's too much. We ain't farmhands anymore so we don't need to eat as much!
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Cookies Galore
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Post by Cookies Galore on Jul 4, 2017 9:16:53 GMT -5
Sounds pretty OCD to me, as well. I'm the opposite. I don't track any of my transactions. If there's money in the bank, I spend it. If I'm a little short, my overdraft protection will cover it. How do I get labeled OCD and everyone else has "habits"? For me to accomplish what I want to do on my income I need to be diligent with every dime, there isn't much leeway there. I can't just spend everything until I get an overdraft notice. I don't know. I have anxiety with OCD tendencies and all I do is check the stove/oven, locks, lights in a certain order and number before leaving the house or going to bed. Sometimes also in the middle of the night if i wake up to pee and think i only checked twice. I'll reconcile accounts often, but probably not every single day. I'll file that under "habit" and not "condition that interferes with daily life."
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Bonny
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Post by Bonny on Jul 4, 2017 9:58:57 GMT -5
After working at our local VA Medical center as a volunteer for over a year now, even in grocery stores every man is called "sir" and everyone woman "mam". It amazes me how it has carried over to all the places outside the VA. I always thought it was a Southern thing. I think it's a good habit and at least starts out the conversation in a respectful manner.
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Bonny
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Post by Bonny on Jul 4, 2017 9:59:48 GMT -5
I'm sure I have some. The only things I can think of now are that I eat at least one vegetable perday, usually some fruit too. I have appropriate portion sizes most of the time, and I drink a lot of water. I drink one cup of coffee per day and a glass of wine a few times per week (maybe only 7 days per week?) But other than that, I rarely drink anything but water. Lol, only 7 days per week!
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thyme4change
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Post by thyme4change on Jul 4, 2017 10:01:14 GMT -5
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