“I eat the same thing everyday.”

Posted by random olio

We are all creatures of habit. I am not one to have to do the same thing everyday, but there are a few things in life that are pretty similar from day-to-day.

As I mentioned in my blog “Phone calls: No thank you” last weekend, during Portland’s mini snowstorm, I caught up on my Fast Company magazines and found the article: “Secrets of the Most Productive People” in the December 2013/January 2014 issue. There was a mention of the CEO of LearnVest. See, I am a finance buff, so I am a fan of LearnVest, a website that helps with personal finance. I receive their newsletter, and understand where the CEO, Alexa Von Tobel is coming from with this quote in the Fast Company article:

“Since the beginning of LearnVest, I’ve never left the office for food. I eat the same thing every single day [an apple, almonds, yogurt, a salad…], and I never sit still to eat a meal. My ultimate goal is to create operating systems for myself that allow me to think as little as possible about the silly decisions you can make all day long–like what to eat or where we should meet–so I can focus on making real decisions. Because mental energy is a finite quantity.”

I get it. I feel like during my work day I go from meeting to meeting, and often barely know when I am going to squeeze lunch in, or eat while at a meeting or at my desk while quickly trying to catch up on emails before my next meeting. Based on the crazy day, the last thing I want to do is think about what I want to eat for lunch. I usually just restrict it to salad. That way I am eating healthy, usually raw food that my body can easily process. However, often there are many different versions of a salad that I can decide from at work which always makes my decision that much harder, yet by just sticking to salad, I have narrowed my options and made my brain not have to think so much in an already busy day. So I am not as extreme as Von Tobel, but agree that often when you have so many other decisions to make during the day, why complicate things even more by having to decide what to eat.

Are you with me?

A PACT and a little $$$

Posted by random olio

I just happened upon this app called PACT. It is an app that helps to set goals for working out and eating healthy. The premise is that once you set daily goals, you either receive cash rewards, or if you do not meet your goals then money is deducted from your credit card or PayPal account and given to those that do meet their goals. GULP.

Mind you, I am a bit hard-core on myself with running, being active, and eating healthy. I currently have a Nike FuelBand and find that it often encourages me to keep up with my daily fuel goal, which is accrued with the miles I run. There are times when I come home from work exhausted and could care less if I make my goal, and all I want is comfort food. Yet, that is the exception. For the most part, I come home and unwind from my day with a good, hard run and healthy meal. The question is how many days of the week end up that way, and how many days do I successfully hit my goal? It is so different from week to week.

The other aspect of the app pertains to food. You can track your food goals and then take pictures of what you eat. There is a bit of honesty and trust that go with this app. Maybe that is why rewards start at 30 cents, because most individuals are probably not going to “cheat” to receive 30 cents. The fact that they met their goal is motivation with the added accumulation of some change to show as proof of their consistent effort. Almost like an ongoing game of penny poker.

Since life can throw us curveballs at any moment, how are our goals to be and stay healthy impacted when money is involved? Would I handle my goals differently if there was money connected to it? I guess it would depend on how much money you make or lose. Reports about the app say you can earn 30 cents to $5 a week for meeting your goal, and $5-$10 each day for when you miss your goal. Again, yikes! How many of you would start to see $35-$70 leaving your checking account each week? The money that you pay for not meeting your goals goes into the pool to help pay for those that are meeting their goals.

Would PACT motivate you to exercise and eat healthy? Or would you start to feel down that you are not hitting your goals and watching cold hard cash fly out the door? Is it motivating and would it keep you on track?

What do you think?

Start young: play money, toy cash register

Posted by random olio

As more and more people around me have babies it makes me think about kids more and more. There are so many things to think about: car seats, cribs, bassinets, strollers, names, kinds of diapers, bottles, the list goes on. As they get a bit older the list shifts a bit to other very important ideals that a couple should, for the most part, agree upon in how they want to raise their kids.

When I recently came across this article on how to teach your kids about money it made me think, wow everyone should be starting very early in how they want to approach money with their kids. I was talking to a colleague just the other day. Yes, I can tell you this now, and it is possible that I have no idea what I am talking about! We were discussing how expensive it is to raise a kid these days, let alone thinking about paying for them to go to college. I paid my own way through college. I was in a work/study program, and I worked outside of that too. My parents could not afford to pay for college for any of their three kids. While it would have definitely been nice to have it paid for, it taught me a lot about money, about growing up, and about taking responsibility for my decisions. I probably would not have worked as hard to learn if I was not paying for it.

Now that does not mean that I will not help my future kid(s) out with college, but I want to do it in a way that helps them grow, learn, and understand what their decisions mean financially. Too often, I think parents write a check and walk away, and that does not help their kids learn about life. The above article starts with ages 2-5 on how you can use play money and play “store” together. Oh how I remember the plastic cash register I had when I was little. I loved watching the coins come down the side like it used to at the grocery store. Toy cash registers today I believe have scanners and credit card swipers. Oh well. Parents could still teach the value of money, and include a bit about how someone has to pay for what is put on that credit card.

Start young. Whenever we begin having kids I know I will start young too. I think conversations about wants, needs, and money help kids know and appreciate all that they have in the world. It does not have to be in a way of shame, but from a place of abundance and gratitude.

Oh how I hate hold music.

Posted by random olio

How often do you call your cable company, or your credit card company and either have to listen to a zillion annoying little prompts to get to where you want to go, or you wait on the line for what feels like eternity only to listen to their hold music?

I can adamantly say that I have never once said to anyone: “Oh, xxxx company has the most amazing hold music.” Why is that? Why is waiting on hold to be helped so excruciatingly painful? Do they hope that most of us will hang up the phone out of boredom, anguish, and insanity and instead go online and send them an email? I try to do that as much as possible, but there are just certain things that need to be handled by a live person. I will give you a few examples:

_When your cable company (ahem, Comcast) continues to screw up your bill every month since you moved in 10 months ago. No email will ever be able to truly shed light on your true frustration, only duking it out with a live person will hopefully grant you the discounts and offers you deserve.

_Anything having to do with financial information, credit cards, and bank accounts should be handled online. Yes I am old school. I prefer a live person to mess up my account, then a live person behind an email. At least I can ask for my phone call to be escalated, and hopefully my phone call was “recorded for quality purposes.”

_You enjoy connecting with other people, making their day, and generally being the world’s nicest customer. I know a few people who fit that description, and they are the cream of the crop. If only we could have their patience.

I digress. This all started out being about hold music. I still do not understand why they have not invented hold music that connects you to Pandora or Spotify and lets you jam to your current selection. Maybe customer service representatives will find their customers happier, more patient, and generally not going insane by hearing the same song for the 37 minutes they waited on hold. Of course that song was interspersed with a few ads for lower interest rates, or how you could be saved money, with the additional message of how many other customers are in front of you in the queue.

#needmorepatience4holdmusic

What excites you?

Posted by random olio

What excites you? What makes your lips turn into a huge smile, gives you excited flutters in your tummy, or makes you jump up and down with glee?

I remember a few years ago receiving a check in the middle of the year from the Oregon Department of Revenue. It was a good year for them and they made the decision to send refund checks for the amount they were in excess that year. When I opened the envelope and looked inside I started jumping up and down and yelling for Chris to come see. You might think based on that story that I get excited about money, and that was not the case, I was excited about the surprise of it. It was like winning a mini unexpected lottery. Who would not jump up and down?

What excites you might be the smallest thing. A few weeks ago, I was excited when I found a successful answer to a work project. It was a simple answer of switching the formula I was working on. I squealed out: “I did it!” Other times it might be a long weekend break where you are able to relax, sleep, and catch up on your life. Maybe it is hiking that mountain, crossing that finish line, or watching your child take their first step.

Whatever it is, your excitement is unique to you. The important thing is that you make sure there is excitement in your life. There needs to be days that you look within, assess, and jump for joy, whether in the large or small moments. I think I love roller coasters. I say “think” because it has been ten years since I have been to an amusement park. I am not sure I know what it is like anymore. If I am anything like my past ten years ago self, then I love the thrill of a fast-moving roller coaster. It is on my list to go to a roller coaster this year and see if they still excite me. What are you going to do this year that you have not done for a while, or ever before that excites you?

What excites you today?