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Arrangements for Pet Care After Death of Owner
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We know your pets are part of the family, which is why it’s important to make plans for pet care after death of owner. Although it’s tough to think about it, having arrangements in place will give you the peace of mind you need to ensure that your pet has the same type of loving […]

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

How Much to Save for Retirement – Planning Strategies for Every Age
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How much should you save for retirement? Everyone's situation is unique and different, but here are some guidelines to follow.
Buying an Old House? – Common Problems, Hidden Costs & Benefits
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Thinking of buying an older house? While they come with charm and unique advantages, there are problems that you should be aware of.
Reasons for Being Denied New Credit
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      Being denied credit can be discouraging and confusing…but don’t give up just yet. There are many reasons you may be denied credit but you still have options. Here is a list of common reasons people are denied credit:   Lack of credit. Believe it or not not having enough credit can prevent […]

The post Reasons for Being Denied New Credit appeared first on Credit Absolute.

Should You Save for a 12-Month Emergency Fund? Here’s How to Decide
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The conventional advice for how much money you should have saved in your emergency fund used to be three to six months worth of living expenses. Then the coronavirus pandemic hit. As millions of people lost their jobs and blew through their savings, some financial experts began to question the old emergency fund recommendations. Suze […]

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

How Neighbor Can Help You Earn $300/Month With Your Empty Garage
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Don’t let your empty space go to waste. Neighbor can help you rent out unused rooms for storage — and make thousands of dollars this year.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

3 Questions to Ask Before Prepaying Your Mortgage
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Prepaying your mortgage is not always a great move. Ask these questions before taking the plunge.
7 Credit Card Debt Mistakes to Avoid
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Getting out of debt isn't easy, but these mistakes can make it far worse.
How to Manage Distractions and Become More Productive
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You know how you strive to stay productive during the day…only to get sidetracked by the notifications on your phone or the donuts in your kitchen? If you’ve ever felt like you could be so much more productive if only those distractions would quiet down, then get ready to feel empowered.

I invited Nir Eyal – author of Indistractible: How to Control Your Attention and Choose Your Life – to join me on the Modern Mentor podcast today. Nir's research has uncovered tons of actionable advice on how to take back the reins and stay in the zone of productivity. 

Nir Eyal

Nir Eyal writes, consults, and teaches about the intersection of psychology, technology, and business. Nir previously taught as a Lecturer in Marketing at the Stanford Graduate School of Business and the Hasso Plattner Institute of Design at Stanford. He was dubbed “The Prophet of Habit-Forming Technology” by M.I.T. Technology Review and Bloomberg Businessweek wrote, “Nir Eyal is the habits guy. Want to understand how to get app users to come back again and again? Then Eyal is your man.” He is the author of two bestselling books, Hooked: How to Build Habit-Forming Products and Indistractable: How to Control Your Attention and Choose Your Life.

You’ll want to hear Nir’s story firsthand – in which case you’ll need to listen to our interview. But in summary, we talked about the importance of noting and managing our internal triggers (like boredom, anxiety, or loneliness) in order to manage our relationship with external triggers (like technology, food, drink, or anything that temps us away from our focus). And more importantly, he shares how he does this – and suggests how you might do the same.

Here are some of the big ideas we covered:

Begin by understanding distraction

“The best way to understand what distraction is is to understand what distraction is not…The opposite of the word ‘distraction’ is ‘traction.'” Traction is the thing that pulls us toward the action we want to be taking, and distraction is the thing that pulls us away.

Any action can be traction or distraction. The key is in your intent.

If you’re trying to stay focused on getting that report written but your fingers keep hitting that refresh button on your Insta feed, then technology has become a distraction. However, if your plan was to finish the report and then reward yourself with 20 minutes of scrolling, then your scrolling has become your traction. Because you set and intention and you executed it.

Technology isn’t always the enemy. It’s all about setting an intention. It's absolutely OK to scroll through your feed as long as it's what you planned to do.

Traction is the thing that pulls us toward the action we want to be taking, and distraction is the thing that pulls us away.

Manage your internal triggers

According to research in Nir's book, the “pings, dings, rings, and things” we point to as distractions are only about 10% of the problem. The main reason we turn to our phone – or the donut – is due to an internal trigger. It’s what’s happening within us that truly prompts us to seek a distraction.

When we experience something emotionally uncomfortable – like boredom, stress, anxiety, or loneliness – our human instinct is to comfort that feeling with something soothing. And our phones are delighted to play that role.

Nir says, “Time management requires pain management.” And we need to understand what’s triggering the need for the distraction, in order to then manage the habit or behavior.

So next time you realize your fingers have wandered somewhere unwanted, ask yourself what's going on.  Are you anxious about that job interview coming up? Are you tired of writing this report you've been working on for weeks? Start by noting – and acknowledging what experience you're having.  This self-awareness is the first step in becoming Indistractible.

Next time your fingers have wandered somewhere unwanted, ask yourself what's going on.  Are you anxious about that job interview coming up?

Form a plan – then implement it

What distinguishes truly indistractible people from the rest of us? “They don’t have tremendous self-control. They don’t have tremendous willpower. What they have is a system in place," Nir explains. “They know what to do when temptation rears its ugly head.”

Now that you know why you're turning toward a temptation, you can devise a plan to manage it.

“The antidote to impulsiveness is forethought.”  One of the many techniques Nir employs? The 10-Minute rule. Instead of telling yourself you can’t have or do the thing you want, tell yourself you absolutely can. You just have to wait 10 minutes. If at the end of 10 minutes, you still must have it, then go for it. Ironically, research shows that more often than not, 10 minutes is all it takes for an urge to subside.

Instead of telling yourself you can’t have or do the thing you want, tell yourself you absolutely can. You just have to wait 10 minutes.

Another tactic to try? Time-boxing. Instead of falling into a pit of eternal report-writing, try committing to 15 minutes of focused writing. Then, have a plan to take a break and watch a cat video.

In this conversation, we covered a lot of ground. But a few key takeaways I carried with me include:

  • Being distractible does not make you flawed – only human.
  • White-knuckling your way through temptation – gripping your fists and saying “I can’t have it” only makes you want it more.
  • Managing your internal triggers (your emotions and sensations) will make the external triggers (the temptations calling your name) less powerful.
  • This gets easier with time and practice as you build self-efficacy. So just start somewhere today.
  • Becoming indistractible is a superpower. It’s the “skill of the century.”
10 Common and Costly Credit Missteps
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These mistakes can wreak havoc on your credit score, finances and access to loans. Here's how to avoid them.
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