Are You a Jumper or a Big-Toe Dipper?

Later tonight I’m hosting the first Financial Intimacy Hour of the year. My guest is Ali Shapiro, a client-described Swiss Army knife of wellness. I’m excited to introduce you to her because she fuses together the tools of a nutritionist, trainer and psychologist. A perfect combination given the topic we’re tackling – the complicated and curious connection between emotional eating and impulse buying. Fade Away Of the top-ten New Year’s Resolutions for 2014 “lose weight” was #1 and “spend less, save more” was #3, according to the University of Scranton – Journal of Clinical Psychology. So, we’re talking about dieting and budgeting because there’s a high chance you made a food or money related resolution. And there’s an even greater chance that 29 days into the new year, your enthusiasm, energy, and resolve have begun to fade. Not exactly the result you were intending, eh? Where did your vigor go? Have you slipped or are you slipping because: you weren’t realistic – were you hoping your excitement could carry you further than it has? you didn’t prepare yourself mentally and emotionally for the change required to change? guilt, shame, or fear was your primary motivator? These are just a few of the common reasons why resolutions fail; they also account for what almost every dieter and budgeter get wrong. For the two things you and I can’t live without, it’s important to your overall well-being to have a healthy relationship with food and money. Though not often cast in this light, this combo is the backbone for clear-thinking, creativity, and efficient execution. In other words, it contributes to your...
The Relationship between Debt and Shame Part I: Becoming Your Own Super Hero

The Relationship between Debt and Shame Part I: Becoming Your Own Super Hero

In today’s guest post, John Dulworth, graciously shares how he’s handling the beast called debt – revealing what both prompted his inaction and what he discovered was necessary for targeted, empowered action. Read his story with an eye for your own (even if you don’t have debt). Enjoy! _______________________________________________________ When Jacquette asked me to write a piece on the relationship between debt and shame my answer was an enthusiastic “YES!” You see, I am fascinated by the relationship between things and in my life shame and debt, but more specifically the behaviors that lead to debt, have a symbiotic kind of relationship. One depends on the other for its very existence. But before I get to that, I want to talk about the other reason I said yes to Jacquette’s request. It’s a bit of my story and in it I invite you to listen for your own story. Shame: The big, bad wolf You see, I’m in the wake of having just processed four years of tax returns. All at once. And let me tell you, the news I received from the IRS and the State of New York was not an easy pill to swallow – not for this small business owner. Seemingly overnight I went from a man with manageable debt to a man with substantial debt. Even as I write that, I can feel the tinge of shame and blame stirring inside of me. The narrative (and this is the tame version) goes something like this: “How could you have let it get this far?” “How could you have been so irresponsible?” “How could you...
What if You Don’t Know What You’re Missing?

What if You Don’t Know What You’re Missing?

For Christmas, I got a TV. I can just imagine the look on your face right about now as you read that statement. If you don’t know my television history, your look is probably accompanied by a question along the lines of, “and what does that have to do with me?” And if you do know my story, your reaction is either, “well, it’s about time!” Or, you are just as shocked as I was as I looked at a box, hidden in plain sight, containing a 32″ flat screen TV asking, “What’s this?” I kid you not… In a moment, I’ll flush out what my lovely new TV has to do with you, but first some context: It’s not that I didn’t own a television (although I don’t watch it much); it’s just that I’ve had my now “old” set since 1989 – rabbit ears and all! And because I don’t have a cable subscription, I also have the digital TV converter box. Go ahead and laugh, it’s okay – But my “old” TV worked just fine. However, now that I have this fancy-dancy thing, I can’t believe what I’ve been missing. The picture quality is AMAZING! The colors are crisp, clear and vibrant. TV watching in my own house never looked so good. New Year Ruminations My Christmas present got me to thinking about clichés, comfort and paths that go unexplored. There are two popular clichés: Cliché #1 – You can’t miss what you never had. Cliché #2 – You don’t know what you have until it’s gone. The major problem with the above is this: What...