We all know that catchy, advertising phrase, but does anyone ever really switch car insurance? I certainly hadn’t for about 10 years, until this week when I realized how silly it was to not even check for better deals. I’m pretty dedicated to frugality and good deals in most areas of life; why hadn’t I bothered to see what sort of options I had for insurance? It turns out that my assumptions and preference for the status quo were holding me back from an easy win, just like they have countless other times in my life and probably in yours as well. Continue reading “I just saved a bunch of money on my car insurance…”
There’s a lot of talk about hacking things these days- life hacks, personal finance hacks, travel hacks, etc… Everybody wants to be a hacker. I assume this is because that little girl in Jurassic Park made it seem super cool back in 1993.
Call me old fashioned, but when it comes to the business of getting points/miles/shiny rocks as a result of using credit cards, I usually just stick to calling them “Credit Card Rewards”.
All semantics aside, it’s a pretty sweet gig if you’re able to take advantage of it. So, today I’m going to talk about how I’m putting CC Rewards to use and how you could too, if you were so inclined.
I started writing this article while taking an overnight train from Seattle to San Francisco and looking out the window as we passed through a gorgeous national forest. Now, I say “started” because about 10 minutes into the process I got so nauseous from staring at the screen on a moving train that I had to abandon that whole idea… but that’s beside the point. The train ride was pretty fantastic and it was part of a week-long trip that took me to a number of new towns (thousands of miles from home), with a number of old friends, and, most importantly, well outside of my normal daily routine.
It was the lack of a routine that got me thinking
Humans, like many animals (I assume…I’m not a scientist), are creatures of habit. Once we’ve done something a certain way more than a few times, our brain actually starts to rewire itself and create fairly automatic routines. The next time we encounter the same situation, our brain will run through that routine with much less thought or attention. Continue reading Hit the Reset Button
When I’m left up to my own devices (like when the wife is out of town or back in my bachelor days), I could go a few days without ever really picking up the house. There are a few things that always grab my attention, like dishes in a sink, but other things I could probably leave indefinitely, like clothes on the floor. I think everyone probably has their own little things like that and we all seem to exist somewhere along the spectrum from super messy to “neat freak”.
Now, while the house is in that messy, ignored state I may not feel like anything is off or really that bad about it. However, when it is actually clean, there is a huge difference in how the space feels and how I feel. I’m sure you’ve experienced this yourself- when you’re going about your life in a neat and tidy space, your mind feels neat and tidy too. It’s easier to get things done that you want to do and life feels generally less stressful. For some reason though, we tend to get accustomed to a messy environment and not notice the subtle negative influence that it exerts. (It seems the same with diet too: if you’re eating junk all the time you may not even notice how sub-optimal you feel until you clean it up and get real food in your body and then “Oh my god, I feel amazing!”) Continue reading The Snowballing Effect of Small Lifestyle Changes
In just under 4 years I lost out on more than $9,000 that would have cost me essentially zero work and zero time. I just needed to understand the magnitude of the impact that seemingly small fees can have over time.