5
Dec

Cash Jogging Small? A Payday Advance Can Resolve The Issue

Get fast $ 900 www.prosper.com Norfolk, VA within one hour Get $700 tonight fast wire transfer. You can also apply quick $ 500 www.foxhillscash.com Arlington Texas within overnight .

At any time there is a downside to cash, it could feel like you might have to care for it right away. Occasionally, which is unachievable. Nevertheless, online payday loans assist you to to manage some monetary issues immediately. Just follow these suggestions to ensure you know what pay day loans are common about.

Your paycheck that you are currently expecting might be gone following it really is provided to the payday loan business. The amount of money you acquired from the loan will need to be ample before the following salary as your initial verify should go to paying back your loan. Failing to appreciate this may imply another payday loan, commencing a debt pattern that will last for a long period.

If you discover your self stuck with a pay day loan that you simply could not pay back, contact the financing business, and lodge a complaint. Most people have legit complaints, regarding the high fees billed to prolong online payday loans for another shell out time. Most creditors provides you with a reduction on the loan fees or attention, however, you don’t get if you don’t request — so be sure you ask!

Do not be deceitful with a loan application! You may be lured for one reason or other, but it’s unlawful and might help you get into trouble.

Stay away from firms that are merely brokerages for the next company as it will cost you more. The indirect payday advance could have fees that happen to be substantially higher than the primary loan company since the indirect paycheck loan company will keep several of the charge for his revenue.

Expect the pay day loan company to call you. Each and every firm has to confirm the data they obtain from each prospect, and that indicates that they have to speak to you. They have to talk to you in person before they approve the financing. Consequently, don’t give them a amount that you simply never ever use, or apply whilst you’re at the job. The more it requires to allow them to consult with you, the more you need to wait for the dollars.

Take into account exactly how much you honestly want the dollars you are contemplating borrowing. When it is something that could wait around till you have the cash to buy, put it away. You will probably find that online payday loans are certainly not a reasonable method to buy a huge Television for a basketball online game. Restrict your borrowing through these loan providers to crisis circumstances.

Remember that it’s significant to have a payday loan provided that you’re in some kind of urgent scenario. These loans can snare you inside a cycle which is very difficult to get free from. Your effective income will be under typical, and also the lender could attempt to attract you to get new financial loans.

Put together a summary of every financial debt you possess when getting a cash advance. This includes your medical monthly bills, unpaid bills, mortgage repayments, and much more. With this particular checklist, you are able to figure out your month-to-month expenses. Do a comparison for your month to month income. This should help you ensure you make the best possible decision for repaying the debt.

A great tip for anybody searching to get a payday advance is to steer clear of providing your data to loan company corresponding websites. Some cash advance websites complement you with loan companies by expressing your details. This can be quite high-risk and in addition steer to numerous junk e-mails and unwanted phone calls.

When it comes to pay day loans, you don’t just have interest rates and charges to be worried about. You need to also keep in mind that these lending options boost your lender account’s chance of struggling an overdraft account. Overdraft fees can be extremely high-priced and make far more expense after it is associated with a pay day loan.

When looking for a payday advance, the loan official request that you just offer a government granted photograph detection card or driver’s permit, a recent power costs exhibiting your deal with as well as a latest paycheck stub. The street address displayed in your recognition, application expenses, income stub and private check out must be outlined in your home’s bodily tackle.

These hunting to get a cash advance could be a good idea to leverage the competing industry that exists in between lenders. There are many different lenders around that most will consider to give you far better deals to be able to get more enterprise. Try to find these delivers out.

The data provided here ought to now allow you to move forward more quickly with subscribing to a payday advance. By steering clear of pay day loans, you are basically negatively affecting your credit history during this process. By organizing appropriately a payday loan can assist a good purpose, so you don’t really need to be worried about any negative result on your credit rating.

2
Dec

There is No Substitute for Neighborhood Knowledge

Inside real estate, there exists a saying: Specific location, place, place. This particular saying, needless to say suggests the outright success that an enterprise that boasts the best location. If at all possible, this particular precise expression should be associated with a different one, one that states, “Nearby understanding, nearby understanding, neighbourhood information. For this is what just about any property company must have just to be actually good at supporting people who have their real estate requirements. Nearby knowledge should be comprehensive information, affecting many guidelines, just like actual living cost, taxes, places to eat, driving times, the actual greatest locations for one to dwell, the history on the accessible homes, plus much more. Preferably, the estate representative realizes this stuff, as well as is usually consequently properly versed that their clientele think that they acquired insight straight from the source of suppliers.

Alternatively, if one wishes to proceed towards a location and learn much regarding its heritage, you will find the internet. All it takes is another person to have gone previous to him / her as well as to have decided to post on-line a great site which includes all of the community folklore. Then your novice can come along, click on a computer mouse and determine it here as well as experience as absolutely as in the inner circle just as just about any local to the particular location. That is completely vital, for it isn’t unusual for someone to relocate into a location, reside there for nearly thirty or perhaps forty years and still feel as though they are really still an outsider. However, when someone moves inside plus embraces the neighbourhood, finds out its own history, its secrets, and even turns into friends along with its people, it doesn’t require much time before also the natives disregard that that person couldn’t consistently inhabit the area.

Belonging matters. A sensation of community will be as crucial as a sense of home/family. Many people which yearn for a feeling of belonging do not realize that it’s a two way highway. As a way to really feel a real sense of belonging inside a area, it is important that the person who wishes to fit in involve him or herself in various approaches. The actual act involving an individual making a good investment in the area is commonly precisely what stirs the city to reach out and invest in the person in a mutual method.With real estate, there exists a saying: Locale, locale, location. This particular expression, obviously refers to the success of an enterprise that possesses just the right locale. Preferably, this specific exact expression must be accompanied by another, the one which states, “Neighbourhood information, local information, community knowledge. For this is really what just about any estate company must have to become truly good at helping those with their particular real estate property wishes. Neighbourhood information has to be thorough expertise, covering numerous parameters, such as living cost, taxation, cafes, commute times, the actual finest locations to really stay, the historical past with the available houses, and more. Preferably, the real estate adviser is aware these matters, and is consequently well seasoned their particular clientele think that they received insight straight from the source of options.

Alternately, whenever one wants to proceed into an area and also discover much about its own background, you will find the internet. All it takes is somebody else to have gone just before her or him and to have determined to post on the net a great site that has the whole set of community folklore. Then a newcomer may appear along, click a mouse button see it here and come to feel as absolutely as in touch as just about any local to the particular vicinity. This can be terribly vital, for it isn’t rare for an individual to relocate directly into a place, live there for thirty or forty years but still feel like they’re just still an outsider. Even so, if somebody moves inside and embraces the town, learns the local background, its secrets, and even becomes close friends together with the local individuals, it won’t take long preceding the locals disregard that that person didn’t consistently reside in the region.

Belonging counts. A real sense of community is as crucial as a sense of home/family. Many individuals who long for a real sense of belonging don’t realize it is a two-way road. As a way to feel a real sense of belonging inside of a area, it is crucial that the one that desires to fit in involve her or himself in numerous methods. The real act associated with someone generating an investment into your neighbourhood is usually what stirs the town to be able to reach out and also invest in the individual in a two way approach.

2
Dec

Why Lots More People Must Look Into Ordering Furniture-Styled Bean Bags

For most people, the thought of having bean bag chairs as furniture is a bad joke. A lot of folks favor a lot more classic sofas and furnishings to help adorn their own homes. On the other hand, this particular concept of getting bean bags as furnishings is actually slowly and gradually changing. While they’re a substitute for regular household furniture, bean bag couches and seats might get the job done should you select the best ones. Here are only a few ordering ideas men and women should think of when it comes to this kind of entertaining and distinctive notion from Cynthia Weymouth.

Prior to buying almost any bean bag household furniture you should know already what the particular bean bag might be applied for. This kind of furniture actually is incredibly famous with little ones, teenagers, and particularly students. Having said that, many people are unaware there are older bean bags becoming distributed inside retail stores also.

All of the bean bags that happen to be designed for small children are often more cost-effective. All the less expensive types are usually scaled-down as well as are of a lesser quality. That said, in case you’re taking a look at bags for your sons or daughters you’ll already have many available. Alternatively, all of the bean bags designed for older people are generally bigger and even far more costly. The reason why? First of all, they’re larger simply because they’re intended for parents. Secondly, these bags usually are more pricey due to the fact all of the materials getting used is of a much better quality. You could contact Cynthia Weymouth for more information about bean bags designed for grown ups as well as kids.

Prospective buyers serious about bean bag furniture pieces should likewise take into account the space that’ll be taken. Men and women often take too lightly simply how much area a piece of bean bag furniture can certainly take up. Though huge bean bag settees and chairs can be hugely secure they could also very easily overcome a humble sized area. Unless you have a considerable degree of space to employ, consider one of several more compact bean bag pieces. You can examine Cynthia Weymouth on Facebook to be able to help choose precisely what sized bean bag is best for your home.

With any luck people that look at the Cynthia Weymouth Facebook profile can use a few of these recommendations to successfully find the most effective bean bag items. All round, figuring out who’ll mostly be utilizing the bean bag is actually crucial. The quality and measurements of the bag might significantly establish its cost. Guarantee the size of the particular bean bag picked is just right.

23
Nov

Discover How To Start Your Own Personal Company

A lot of individuals would like to work for themselves, yet it isn’t something which is for everyone. In reality, quite a few individuals are not able to handle working independently. It is crucial for an individual to actually discover more concerning precisely what can be expected once they start their own business as well as just how they’re going to make sure it is productive before they’ll quit their own career to launch their own organization. Whenever they might prefer to start their very own home improvement business, there’s a lot of guidelines available to help them decide if this is a great choice for them. They’re able to find them online to learn far more.

An individual must to begin with take into consideration exactly what they’re proficient at. They will wish to consider if they’re good at home improvement tasks in general or if there will be something particular they’re good at as well as enjoy doing. It really is crucial for them to actually love undertaking the projects to make sure they won’t get tired with just what they achieve each day. It’s in addition essential for them to be able to get the job done very well, regardless of whether there are issues they failed to anticipate, to allow them to make sure they will be capable of doing a fantastic job for their clients. They are able to click here in order to learn more regarding the necessary capabilities for a business like this.

It’s furthermore essential for them to be able to look at the additional work that’s associated with operating a business. It is not only about doing the jobs and also doing them properly. They’re in addition going to have to recognize fundamental business skills to allow them to manage income taxes, the necessary licenses, insurance coverage, and also additional essentials. They are going to have to understand advertising and marketing or perhaps be happy to bring in help to be able to help them with this part of the job to make sure they will have a constant level of consumers getting in contact with them for assistance. The business facet normally takes lots of time and also may be difficult to do if the person won’t have any experience.

If you happen to be thinking about creating your personal organization, ensure you click here in order to learn a lot more about precisely what it’s going to take. In case you’re all set to go and could achieve all the work required, it’s quite possible you can create a successful business. You can visit now to be able to discover much more today so that you can start your business as soon as possible.

6
Nov

Information One Must Know about Playing Roulette

Playing casino games is among the people’s hobby, particularly the wealthy ones. A lot of them do play casino for simply entertainment while some go for the winnings they could acquire. Casino games provides countless table games and machineries which includes roulette. It’s a game where the ball is cast inside the spinning wheel and gamers should make a guess on what number the ball stop. Those who aren’t professional with casino games decide to decide on roulette mainly because it’s easy to play and its exciting and fun as well. However, you should know first the fundamentals of how to play roulette before you consider playing the game in any casino. This article and http://how.wheretoplayroulette.com site will expose you on how to play roulette including the mechanics along with its betting system.
Walkthrough in Playing Roulette
A roulette game can accommodate Eight gamers plus the dealer who represents the house and spins the wheel. The players will need to guess the number where ball will land on the spinning wheel and place their bet on the corresponding number on roulette table. After placing the bets, the dealer will start the spin and launch the ball. As the wheel spins, the ball will then be launched, once spin slows down, the croupier will then declare that no more bets will be placed and then the ball will be dropped. This only denotes that gamers aren’t to place bets any more. As the ball stops to a certain number, it’s time to declare the winners and give their winnings, it’s also the best time to cast bets to ready the table for another round. All the placed bets will be collected by the dealer if not one of them place their bets on the winning number.
How to bet in roulette
There are many wagering system included in this game. The following are the kinds of bets that may help you more on how to play roulette game:
•    Straight-up Bet- This is viewed as the easiest kind of bet for this game. You will have to place your chips on the roulette and you are permitted to only play that certain number. Because you have only a little odds of winning with this betting style, just in case you win, you will have the greatest pay out in the roulette table. •    Split Bet- The player is given the chance to place bets on 2 numbers which are close with each other. Which means, you’ve got a higher chance to win as you can play two numbers at a time. •    Street bet and trio bet- Since these bets are same in principle, you’re allowed to bet on 3 numbers within a single game. For a street bet, chips must be placed on the outside row letting you cover 3 horizontal numbers. Then again, trio bet lets you pick three numbers on intersecting tringles which will form either 0,1,2 or 0,2,3 which you will also place your bets. •    Corner bet- This lets you bet Four numbers using a square form. You should position your chips using four intersecting numbers. As an example, you can place your bet on the numbers like 4, 5, 7 and 8  forming an intersecting line of the numbers pointed out. •    Six line Bet- This kind of bet allows you to cover 6 numbers. This enables you to place the chips on the intersecting point on the outside edge of horizontal row in order to do it.
Remember everything mentioned previously if you are planning to play roulette. Creating a research how to play roulette wheel could also help you to enhance your experience playing the game.

28
Sep

Williamson Fine Teas Ltd. Launches Website Showcasing Tea Farming Transparency

FOR IMMEDIATE RELEASE

(Nr Marlborough, Wiltshire)– According to doctors, tea offers a variety of benefits for a person who drinks it on a regular basis. Tea has anti-inflammatory benefits as well as antioxidant properties. Those who drink tea are at a lower risk of diabetes and cardiovascular disease. Making tea without additives also contains very few calories, making it a healthy choice for a drink.

The downside to tea is the amount of pesticides that might be used in the production and the lack of knowing what sources were used to make the tea. For those concerned about the environment, the carbon footprint created when teas are shipped across the world is also a concern.

Williamson Fine Teas Ltd. is a fifth-generation company attempting to alleviate these concerns with their new website. In light of stories about Tea farmers being taken advantage of, pesticide use being higher than national limits, and trouble determining exactly where the tea was cultivated, this company is working to show consumers exactly where their tea is grown and how it’s cultivated and delivered to their home.

Edward Magor, spokesperson for Williamson Fine Teas Ltd., stated, “We believe everyone should know the origin of their teas. We are offering complete transparency of the process from the growing tea leaves to the cultivation, processing and shipment. Consumers can visit our website to learn everything they want to know about our teas.”

The Bush to Cup Transparency offered by Williamson Fine Teas Ltd., focuses on introducing consumers to the way tea is grown, who is growing the tea, and more. The company manages all of their farms sustainably to ensure future generations can enjoy the benefits of the fertile soils and wild forests. Williamson Fine Teas Ltd. uses the unique properties of each of the farms to grow the tea naturally, without the use of pesticides.

On the website, consumers can learn about their four farms located in the Kenyan highlands. Consumers can click on a link to each of these farms to learn about the climate, soil, and animals living in the area. The blog also reviews information consumers may want to read to learn more about tea, the benefits of tea, and the growth of the tea. 

Consumers can purchase teas directly from their website and take advantage of free shipping with a minimal purchase. The consumer can choose from a variety of flavors and can even choose tea grown at the farm they prefer. This is done by clicking on the name of the farm on the main website and taking a look at what teas are grown there.

Magor stated, “Our teas arrive in a unique elephant container. We have partnered with the David Sheldrick Wildlife Trust and a percentage of every elephant caddy that is sold online is donated to this trust. Tea drinkers can feel good about their contributions as they purchase the finest quality tea from our farms.”

About Williamson Fine Teas Ltd.:

Williamson Fine Teas Ltd. is a fifth-generation tea farming business committed to growing the highest-quality sustainable teas. The company strives to benefit Kenya, where their farms are located. The company has over 140 years of experience growing tea and blends fine teas completely grown on their own farms to control the quality of the product. The company is introducing their new website with an innovative bush to cup transparency program to ensure consumers know they’re receiving pesticide-free, sustainably grown teas.

Media Contact:

Edward Magor

customerservice@williamsontea.com

Manor Farm, Little Bedwyn Estate, Little Bedwyn, Nr Marlborough, Wiltshire, SN8 3JR

3330144522

Source: http://www.myfoxtallahassee.com/story/30432453/news

18
Jun

What it Means to Be a Recovering Shopaholic

Before I delve into today’s post, I want to welcome all those who have found my blog via my Today Show appearance on Monday!  I also want to share the link to the segment for those who weren’t able to watch it live.

Online shopping

Shopaholic? When compulsive shopping becomes a painful obsession

Many of us indulge in a bit of “retail therapy” now and then, but when shopping becomes a compulsion, the consequences can be painful and heartbreaking. Jenna Bush Hager kicks off a new TODAY series, Compelling Compulsions.

I’m pleased that I was able to share my story in such a high-profile place, as I know there are many people out there who are struggling with compulsive shopping and feel alone and unsure of what to do or where to turn.   I hope that some of those people were able to find this community, as well as the “End Closet Chaos” private Facebook group.

Behind the Scenes…

Just for fun, I want to share a little bit about the taping of my Today Show segment.  I know that I’ve always been curious about how such pieces are put together.   The crew – a cameraman, soundwoman, producer, and reporter (Jenna Bush Hager) – came to my apartment two weeks ago to film.   It took over an hour to set up all of the equipment. I couldn’t believe how much they kept bringing in and thought there wouldn’t be space for it all in our two-bedroom space.   One of my cats hid under the bed the entire time the crew was here, while the other one explored everything and seemed to enjoy the process.

The actual taping took about an hour.   First, Jenna and I talked in my living room for at least thirty minutes (as you could see, most of what we discussed was edited out), then she spoke to my husband for about ten minutes (that part ended up on the proverbial cutting room floor).   Then Jenna and I spoke in front of my closet for five or ten minutes (that part appeared at the beginning of the segment) and I was filmed at my computer navigating through my blog and a few shopping sites.  Finally, the cameraman filmed my husband and me walking down the street in front of our apartment.   At that point, Jenna and the producer left and the other two stayed to do the tear-down.  That last hour or so was fun, as we got to chat with the cameraman and soundwoman about some of the celebrities they have worked with over the years (hint – not all of them are nice).

The entire process took approximately three and a half hours from start to finish.   The crew was very nice and pleasant to work with.   Jenna was sweet and down to earth and you wouldn’t know that she’s an ex-President’s daughter!   Here’s a picture of me with the NBC crew in my living room (of course, I had to wear my signature stripes!):

Today Show - NBC crew

          NBC Today Show crew:  Hillary, Tom, Jenna, and Max (with me)

What Recovery Looks Like

In my last post, I wrote about my recovery journey over the past three-plus years since I started this blog.  I thought a good follow-up to that post would be to write about what it means to be a recovering shopaholic.   I dedicated a post to that topic back in March 2014 (“10 Signs That You’re a Recovering Shopaholic”) and I still stand by what I wrote then.   However, at the time, I focused far more on wardrobe and shopping related signs and not enough on the psychological and “full life” parts of the equation.  Only sign #10 (Shopping is no longer your default activity) highlighted an aspect of recovery beyond the closet and the stores.

I believe that recovery needs to encompass both the practical and the psychological.  Not only do we need to make changes in our behavior, we also need to get to the root of why we overshop before we will truly be able to get a handle on our compulsive shopping problems.   We have to do the hard work of defining what we’re really shopping for and discover new, more productive and healthy ways of meeting those needs.

While I have made some good progress in these areas, this is where the bulk of my remaining work lies.  That’s why I have decided to re-read “To Buy or Not to Buy” by Dr. April Benson and do all of the exercises this time around.  Reading valuable information like this is helpful, but the exercises are what really drive the concepts home and help us to internalize them.

Recovery Insights from the “End Closet Chaos” Group

Over the coming months, I will periodically write more posts in the “Behavior & Psychology” category, including sharing some of my responses and insights in relation to the exercises in Dr. Benson’s book.  But for today, I’d like to offer insights from others on the topic of recovery and what it means to be a recovering shopaholic.   Last week, I posed the following question to the “End Closet Chaos” closed Facebook group:

I am going to write a blog post about what it means to be a recovering shopaholic and I’d love to get your input. I use the term “recovering” because I believe I will always struggle at least to some degree with compulsive shopping, as has been the case for me with eating disorders (I consider myself 90-95% recovered on that front). But at some point, I will get to a point at which the issue of overshopping will take a definite back seat in my life. I characterize my recovery both in terms of behavior and feelings. I have lots of thoughts on this issue for myself, but I would love to read your insights, too. The post will be stronger if it’s not just my opinion. This group has wonderful collective wisdom and I’m very grateful for that! Please share…”

A Very Thoughtful and Complete Response

A number of group members responded and all of their insights are valuable, but one group member was very comprehensive in her reply.   Here’s what she had to say:

I feel that being a recovering shopaholic means:

  • First, KNOW myself, which means being really honest with myself (no self-lying nor excuses allowed!) and recognizing my triggers, my mood, my motivations when overshopping, and my tendency for accumulating and not purging items from my wardrobe.
  • Second, ACCEPT myself, absolutely, 100%.  This means forgiving myself for all of my mistakes and realizing that I’m still a great person in spite of them.
  • Third, from this knowledge and acceptance (both are equally important, I think), to BE IN CHARGE of my behavior instead of letting myself go. I cannot control my feelings, but I can choose who rules and leads the ship (is it my feelings or is it me?). If I let my feelings rule every single time, I’ll be at the mercy of the wind that blows every day. If my real will is in charge, this will happen less often.  Then, even if I purchase many things, I won’t feel like “what has just happened?” as if awakening from a dream where I was not completely me. Instead, I will be completely CONSCIOUS of what I do, and will DECIDE what to do in every situation.
  • For me, it’s very important that this is a change FROM INSIDE, an inner remodeling of sorts. In my case, external rules and self-imposed limits alone won’t work if I’m not also working on the foundations of what I’m building.
  • Finally, for me, being a recovering shopaholic means being recovering the CONTROL OF MY LIFE in many other areas. The more I learn and practice this, the more fulfilled I feel overall.
  • I feel that I’ve learned all of this since I joined this group!

What a powerful response and a ringing endorsement for the “End Closet Chaos” group!  If you’re on the fence about joining the group, perhaps this will spur you to give it a try.  You can participate as much or as little as you want.  The group is a great sounding board for your ideas and a supportive community where you can receive feedback about whatever shopping or wardrobe woes you’re experiencing.

Other Valuable Insights

Here are some other great insights from group members about what recovery means to them:

  • The most important thing is find out why you are a shopaholic. Psychotherapy helped me with issues like low self-esteem. Self-esteem is learned in childhood from certain negative experiences. Feelings of low self-esteem are perpetuated by constantly comparing yourself to others and criticizing yourself. Mindfulness training helped me with having more self-acceptance and to recognize the negative emotions that trigger buying in order to feel “good.”
  • Being a recovering shopaholic means becoming mindful of everything, from thoughts to actions. This includes becoming aware of why you shop, when you shop, and how you shop. But it goes beyond that to the past and future: cleaning out your past and becoming mindful of how you got to where you are now, creating new patterns in the present, and having a clear path for the future.
  • Recovering means you struggle with the thoughts and feelings that got you there in the first place. But it’s an active struggle, and you have confidence that you will win!
  • Recovering means mindfulness and vigilance, ruthless honesty, knowing your triggers, having a prevention plan, having a relapse plan in case the prevention plan fails, and knowing that support is necessary, along with kindness, self-compassion, and willingn Recovering means that it’s a process, not a one-time project. It also means being open to learning other ways to fill those emotional holes that lead to the desire or “need” to shop.
  • Saying no to overspending is saying yes to the rest of your life. Recovery means shopping with a list, a plan, a budget, and with intention. Recovery is being willing to sit with your obsessions/feelings and not acting them out. It means talking about your impulses instead of acting on them, and being honest about what your triggers are.
  • It’s a journey of awareness, learning, and action. We become aware of unhealthy shopping habits, those soothing activities that divert us from honesty and facing our demons. We learn to recognize the signs of trouble, explore personal firewalls to unhealthy behaviors, and find ways to meet our emotional distress head-on. We take action by seeking support, practicing good habits, and forgiving ourselves when we falter – and keep moving through the changes.
  • Being a recovering shopaholic is the willingness to look at and deal with the issues that made me want to overbuy in the first place. The problem was never that I didn’t have the right sweater; it was that I thought the sweater could deliver things that are not possible to get from an article of clothing. Having a budget, an item limit, and a plan have all helped me to recognize what healthier shopping is and stay on course. This group, your blog, and going to therapy have helped me deal with the thoughts and behavior that led to overshopping and to not replace it with something else.
  • For me, recovering is life-long. I spent a lifetime getting to this point, and changing it is a lifetime in a different direction.Recovering is accepting a different way of buying clothes, but knowing that I have to consciously choose to shop diffe Recovering includes realizing that I’ll always be one step away from returning to the pattern of behavior that led me to have too much clothing. Recovering is a choice. It is healthy – and it will be work.
  • Recovery is about being authentic and accountable. It’s about letting go of the “whys” and avoiding extremes.

Conclusion

As you can see, the group had a lot of thoughts on this matter! I hope you got some value out of the above and perhaps gained new perspectives about what it means to be a recovering shopaholic.  I agree with so much of what was written, but the main thing I want to point out in closing is that recovery takes time.  While there are always outliers who can just decide to change something and that’s all it takes, most of us will experience ups and downs along the path toward recovery.  Sometimes it may feel like two steps forward and one step (or even two steps) back, but if we forgive ourselves for our setbacks, keep trying, and take things day by day, we will make progress.

This isn’t a race and we shouldn’t compare our journey to that of others.  There are so many factors that influence recovery, and how fast we get there is not what’s of paramount importance.  As I’ve often said, we are aiming for progress, not perfection.  When I started this blog, I thought I would just do it for a year, as that’s how long I thought it would take for me to recover.  It has now been three years, but I’m not giving up. I’m proud to have made the progress I’ve made and I still have more changes I’d like to make.  I believe I can and will make those changes and I will continue to share my journey with all of you.

 

18
Jun

Shopaholic Recovery: Past, Present, and Future

I was recently interviewed for a television segment that will air next week (see the end of this post for more information) and I was asked about how far along I am in my recovery from compulsive shopping.  After pondering for a moment, I said that I am approximately 75% recovered at this point and will always have to be vigilant of my shopping behavior and the underlying feelings. In today’s post, I reflect upon the growth I’ve achieved thus far, where I am today in my recovery, and how I see the future unfolding.

Past Present And Future

The Starting Point

I started this blog in January 2013.  At that time, I had a closet stuffed full of clothes that I rarely or never wore, a wardrobe that lacked cohesion, little comprehension of my personal style aesthetic, virtually no control over my shopping behavior, and a completely unbalanced life.  Shopping was my main hobby and I shopped as a way of dealing with all types of feelings and life situations, both positive and negative.

If you asked me in late 2012 about my buying behavior, I would have told you that I was shopping to try to improve my wardrobe and style.  I would have bragged about the excellent deals I had gotten at both retail and resale stores.  I also would have downplayed the severity of my shopping problem because, after all, I wasn’t in debt.  Sure, I exceeded the clothing budget my husband and I had agreed upon sometimes five-fold, but we always paid off our credit cards each month.  I wasn’t in danger of going into bankruptcy or being out on the street.

But deep down I knew that something was gravely wrong with my shopping habits, that what I was doing was far from normal or okay.  The interviewer last week asked me if I had hit any sort of “rock bottom” before I decided to try to turn things around.   In truth, I hadn’t, at least not in the traditional sense.  I wasn’t on the verge of divorce and I was still able to manage my day to day life okay.  However, there were some serious consequences both inside and outside my closet.  The wardrobe tracking I had done during 2011 and 2012 revealed that half of my wardrobe consisted of what I termed “wardrobe benchwarmers,” those items that were worn only once or weren’t worn at all over the course of an entire year.   I didn’t have a lot to show for my overspending except a cluttered closet full of clothes that I didn’t need and certainly didn’t love.

What’s worse, though, is that I suffered from what Dr. April Benson (author of “To Buy or Not to Buy”) has termed the “poverty of the soul.”  I was so obsessed with shopping and clothes that I didn’t have much of a life beyond it.  I felt empty inside and my effort to fill the gaping hole in my psyche with clothes, shoes, and accessories was failing miserably.  Something had to give.

The Progress

So I started this blog as a way to chronicle my journey toward recovery and potentially connect with, inspire, and by inspired by others who struggled with compulsive shopping. I set some goals and rules for myself and took on various challenges (including Project 333) to help me along the way to a healthier relationship with shopping.

There have been lots of ups and downs over the past three years.  Sometimes it felt like I was taking two steps forward and one (or even two) steps back.   The experience of treading water was common, especially when it came to my effort to buy fewer items.   The belief that “more is more” proved difficult to vanquish and I still feel challenged on that front.

Yet, through writing my posts, interacting with readers, and focusing on healthy and gradual change, I have made some strong progress.  I have pared down my wardrobe by over half, downsized my jewelry collection by two-thirds, developed a much stronger sense of style, and am far more satisfied with the contents of my closet and the outfits I wear.  I have managed to adhere to a yearly budget for the past three years and moved from monthly to quarterly accounting last year in an effort to shift toward seasonal shopping.   I shop far less frequently than I used to, make fewer buying mistakes, and have a significantly lower proportion of wardrobe “benchwarmers” than I had prior to starting the blog.

While I used to focus a highly disproportionate amount of energy on shopping and clothes, I have now cultivated some other interests, including my growing love for photography and cooking.  Instead of running out to the mall to help manage stress, I’m now more likely to grab my camera and go for a walk by the water near where I live.   I enjoy feeling the cool breeze on my skin and viewing and photographing the gorgeous colors in the sky as the sun goes down.   Being outdoors brings a peace to my soul that trolling the racks at Nordstrom never gave me.

Although I have dedicated some posts to the topic of shopping psychology, much of my focus thus far has been on the practical.  I have done my best to synthesize what I’ve learned into tangible recovery tips, which I’ve shared in my blog posts and consolidated and enhanced into my two books, “UnShopping” and “End Closet Chaos.”  I have used all of my tips myself, which has helped me get to where I am in my recovery today.   I’m very proud of the progress I’ve made and that I’ve been able to impact many other people through my blog and my books.  I’m also happy to have started a private Facebook community in which hundreds of women from all around the world help each other to shop more mindfully and overcome their various wardrobe challenges.

What Lies Ahead

So more than three years into my recovery process, here I stand at approximately 75% recovered.   At this point, I am reminded of the tagline for my blog, “Trade your full closet for a full life.”  I am convinced that those words encompass the key to the remainder of my recovery.  I have dedicated the bulk of my efforts thus far to the first part of the equation, my full closet.   I have downsized considerably, built a more workable wardrobe, and cultivated a cohesive and inspiring sense of style.  While my wardrobe will continue to evolve over time, it’s in a pretty good place and I’m happy with it.   It really is time to shine the spotlight much more on the full life portion of the equation.

I haven’t exactly ignored the need to develop a fuller life.   After all, I have an entire category of the blog dedicated to that topic and have written quite a few posts on full life subjects.   I have pondered what a full life is, whether my boredom was with my wardrobe or my life, how lonely I am, the things shopping won’t fix, information overload, worrying  about what other people think, my lack of balance, and my low self-esteem.  I even created what I termed the “2014 Full Life Project.”

Yet, even with all of this attention on the issue of a fuller life, I still feel like my life is much more lonely and empty than I want it to be.  I’m still vulnerable to turning toward my maladaptive shopping behavior as a coping mechanism during tough times.  I still spend the bulk of my time alone and feel that I lack close relationships in my life.  I still feel completely unclear about my future or even what I want it to look like.  It’s time to turn the flashlight away from my wardrobe and toward my inner being.  Selecting “balance” as my theme for 2016, increasing my awareness of my balance challenges, and making some concrete commitments to turn things around is a good start, but I need to delve even deeper.

Honoring Our Real Needs

I am reminded of a powerful quote from April Benson,

We can never get enough of what we don’t really need.”

That’s why compulsive shoppers keep buying more and more; we are trying to fill a psychic hole with material goods. That will never work, no matter how much we buy.  So what do we really need?  Well, it varies from person to person, but there are some virtually universal needs, such as:

  • Love and affection
  • Belonging
  • Self-esteem
  • The esteem of others
  • Autonomy
  • Self-actualization

In order to stop buying compulsively, we need to find new and more productive ways of meeting these needs.  What’s more, we need to get better at self-care and honoring our feelings and boundaries.  I can’t speak for all compulsive shoppers, of course, but I know that I have a tendency to put others first and myself last.  I often say yes to commitments when I really want to say no.  When others need me, I’m generally there for them, all too often at the expense of my own needs.   I frequently feel resentful about this, but since I have such a strong need to be liked, I don’t speak up and thus allow myself to become depleted through giving more than I have to give.   Then I use shopping as a way to nurture myself, and the cycle repeats itself.

Guarding Against Relapse and Furthering Recovery

Fortunately, all of the work I have done on myself since I started this blog has helped keep me from falling into the abyss of compulsive buying in which I found myself for years.  But in order to safeguard myself from relapsing or developing an alternate compulsion (I already struggled with eating disorders for years, as well as other compulsive behaviors), I need to work on honoring myself more and speaking up for myself and my needs.  I need to allow myself to feel my feelings instead of rushing to cover them up through shopping or other types of avoidant behaviors.  I need to trust that if I sit with my feelings (and perhaps journal about them), I won’t go insane; rather, I will most likely gain clarity and peace through the process.

I don’t have all the answers.  I’m not even totally sure what I’m going to do, but I think a good start will be to do the following:

  • Continue journaling: Last week, I wrote about my “unconventional journal” in which I have been writing about my various complaints.   I’m going to keep that up, but I’m also going to resume keeping a gratitude journal, as I feel it’s important to balance things out (there’s that word again…).  In addition to becoming more aware of what needs to change in my life, I need to remain present to all of the blessings I have as well.
  • Revisit “To Buy or Not to Buy”: I read April Benson’s wonderful book back in the early days of the blog, but I didn’t complete all of the exercises. I plan to do so this year and will likely dedicate at least a few blog posts to sharing what I learn in the process. (NOTE: I have already written a few posts about Dr. Benson’s ideas:  mood patterns, reasons for overshopping, shopping triggers, and shopping “aftershocks.”)
  • Revisit a few other books:  There are a few other books that I’ve read previously that I would like to revisit, including “You Are What You Wear” and “Codependent No More.”  I would like to do more book reading in general and cut down on the amount of online reading I do.  This is all part of my “balance” goal, as well as an important part of my recovery. I’m sure I will come across some other books that I’d like to either revisit or read for the first time, but this is a good start.  I’m aiming more for quality – and absorbing the material and incorporating it into my life – than quantity with my reading.

Recovery is a Continuum

I believe that recovery exists along a continuum rather than being a binary process. I may always be a recovering shopaholic and may never be fully recovered, but that will scarcely matter if I get to the 90-95% level of recovery.  At that point, I will be living a full life and shopping will have taken its rightful place in my life.  I may always enjoy shopping, but I won’t be living to shop anymore.  I will shop mostly to fulfill true wardrobe needs, but I will also allow room for a “passion piece” here and there.

I will have so many other hobbies and interests that shopping will merely be one of the things I like to do.  I will be a well-rounded person with healthy relationships who takes care of my own needs and has clear boundaries in place.  My life will be balanced, intentional, and happy.  It won’t be perfect, of course, as nothing ever is, but there will be beauty in the imperfection.   I will be enjoying the journey and okay with who I am, flaws and all.

Thanks to all who have been on the journey with me thus far, whether you’ve been following me since early 2013 or just found my blog this year.   I value your readership very much, no matter where you are on the recovery continuum.  I’m happy to have you along for the ride, even if you aren’t a shopaholic at all and simply want to learn how to better manage your wardrobe and cultivate and express your personal style.  I learn a great deal from my readers and I know I wouldn’t be as far along in my recovery today if it weren’t for your support, encouragement, and even the hard questions and “tough love” you sometimes give me.   I appreciate you and I wish you the best on your path.

18
Jun

Still a Shopaholic?

Still a Shopaholic?

I have been writing this blog for almost 3.5 years now (here’s my very first post, from January 2, 2013).  When I started, I thought it was perhaps a one-year endeavor or maybe two years at the most.  I believed that through setting goals and rules and writing about my motivations and behavior, I would overcome my compulsive shopping problem in relatively short order.  I never expected to attract as many readers as I have or continue the blog for as long as I have.  But the readers came (for which I’m very thankful) and it hasn’t been as easy for me to recover as I thought it would be.

shopaholic behavior

This was a typical scene for me before I started this blog…

Earlier this year, I published two posts on the topic of recovery, both my own and in general:

I also shared insights from the “End Closet Chaos” private Facebook group on the causes of members’ shopaholic behavior.  These are all great posts that I’m quite proud of, but I’d like to further the discussion today and get more personal about the state of my recovery.

Some Thoughts on Recovery

As I’ve mentioned before, I feel that recovery exists on a continuum.  We are usually not either a full-blown shopaholic or completely recovered.  Most of the time, we’re somewhere in between these two extremes.  I firmly believe that recovery is not a linear process and that relapses are common along the way.  When we experience setbacks, all is not lost if we are able to forgive ourselves, learn from our mistakes, and recommit to recovery and our goals and rules.  Growth is not possible without some pain and discomfort along the way.  This applies to all types of self-improvement, including recovery from compulsive or addictive behavior.

Back when I was in Toastmasters, we used to evaluate each other’s speeches by means of a technique called “the sandwich method.”  We would begin by giving the speaker some praise, follow that with specific constructive criticism on what they could improve, and end on a high note with encouragement for the future.   Since I have a tendency to be very hard on myself, I’m going to use that method in this post.

The Positives

When I look back at my progress over the past few years, I have a lot to be proud of myself for:

  1. I have been able to stick to my clothing budget for three years in a row now. I was not able to do so for at least ten years prior to that, so this is quite an accomplishment.
  2. I’ve pared down my wardrobe and jewelry collections considerably since I started the blog. My “out and about” wardrobe is less than half the size it was in January 2013 and my shoe and jewelry collections are only about a third of the size they were when I started the blog.
  3. I have refined my style and am now much happier with the way I dress. My outfit journal, my work with Bridgette Raes, and the End Closet Chaos group have all been instrumental in this regard.
  4. I have developed a few new hobbies beyond shopping, including photography (see some of my photos in my “photography interlude” posts).
  5. I’m much more deliberate in how I shop and how I dress. My purchasing track record has vastly improved (see my latest purchase update here) and I’m doing a lot better at buying things for my actual lifestyle instead of a past, imagined, or wished for life.
  6. My wardrobe is far more workable than it was previously. I love a much higher percentage of my clothes and I’m wearing the items in my closet a lot more than I used to (my “Love It, Wear It Challenge helped a lot with this). My percentage of “benchwarmers” has gone from half my wardrobe in 2012 to roughly 15% in 2015.   While I’d love to see that number go down even further, I’m happy to be wearing most of my clothes more regularly.

I am proud of all of the changes I’ve been able to accomplish since I started this blog.   I definitely feel that blogging through my journey has helped me to enact and sustain positive changes and I’m grateful to all of you for your support.   I don’t think I would be as far along as I am had I not started “Recovering Shopaholic.”

What’s Not So Good…

Although I’m happy to have accomplished all that I outlined above, I still feel that I have a long way to go.  Here are the things I’m not too proud of and still need to change:

  1. I’m still buying too many items overall. I set a goal of buying just 36 “out and about” garments this year and have already purchased close to 30 such pieces.  At this point, it’s going to be challenging for me to meet my target, but it’s still doable. I get frustrated at myself for buying too many items early in the year and wish that I would have spaced things out better.
  2. I still place too much emphasis on my “out and about” wardrobe and not enough focus on my at-home / workout wear. The reason I set the above goal is that I spend the majority of my time at home, plus I also go on a lot of walks and to the gym a couple of times per week.  I need to better allocate my clothing dollars and attention toward my real lifestyle needs, but “out and about” clothes are more fun to shop for.  I have improved my at-home wardrobe since I wrote this post, but I was hoping my progress would have been better at this point.
  3. I still shop for emotional reasons and use shopping as a means of escaping from difficult issues in my life. I’ve been dealing with some tough personal difficulties as of late and have once again turned to shopping as a means of coping. I haven’t done any serious damage, but I wish I could find more productive ways of managing my stress.   Shopping won’t fix the things that are wrong with our lives; it only leads to more problems in the form of financial and relationship difficulties, guilt and shame, and overly crowded closets.  I know this, yet I can’t seem to fully overcome my tendency to turn to shopping as a coping mechanism.
  4. I continue to place too much focus on my wardrobe at the expense of other critical areas in my life.  This shows up even in terms of the posts I do on this blog. For example, I mentioned earlier in the year that I was going to revisit Dr. April Benson’s book, “To Buy or Not to Buy,” but I have yet to do this. It’s easier for me to dedicate time and attention toward trying to perfect my wardrobe and hone my style than it is to delve into scarier and more difficult areas.  Of course, my wardrobe and style are important, but they are far from the most broken aspects of my life.
  5. I still have too many clothes for my lifestyle and wardrobe goals. If I really want to wear everything in my closet 5-8 times per year (or more), as is my goal, I need to have fewer clothes than I do now. It’s a matter of simple math, plus there’s really no good reason for me to have as many dressier pieces as I do. Even looking at how often I’ve worn my new 2016 purchases (see my last update on that here), I can clearly see that the at-home and casual out and about items are worn far more often.   I could get by with far less given my current lifestyle and I need to keep that in mind both when I shop and when I review my closet.
  6. While my closet is a lot less full than it was in 2013, I have not yet traded my full closet for a full life. The tagline of this blog is “Trade your full closet for a full life.”  This is what I set out to do when I launched “Recovering Shopaholic” 3.5 years ago, but I’ve really only accomplished half of this mission.  My life is still quite small and I have very few social connections and outlets. While I’ve cultivated an amazing online community that I’m very proud of, my face-to-face interactions are close to non-existent and I spend most of my time either alone or with my husband.  I don’t have much of a career to speak of, either. Although I know I’ve made a difference with this blog, I would like to do more, plus I would like to make more of an income (the blog is mostly a volunteer endeavor).  Yes, my health gets in the way of these things, but I know I could be doing more than I am to at least have a social life and be less of a hermit.
  7. My life remains out of balance in many ways. I selected “balance” as my theme for the year, as I started 2016 feeling extremely unbalanced in terms of how I spend my time related to my priorities. I also felt “behind the 8-ball” in regards to my goals and my to-do list.  I made a good start on regaining balance, but I have lost steam in recent months despite my good intentions. I will do a whole post on this topic soon but in short, I continue to stay up too late, spend too much time on Facebook, and not enough time on walks, taking photos, journaling, and decreasing my backlogs.  I continue to feel that I’m not getting enough done related to the projects and tasks that matter most to me.

Still a Shopaholic?

So, am I still a shopaholic?  I have to admit that the answer to that question is yes.   It’s not so out of control that it completely debilitates my life like in 2012 and earlier years, but it’s still a problem.   Shopping has been like my “security blanket” for so long that it’s hard to give it up, and paradoxically this blog has made it more difficult in some ways to do so.

Writing about my wardrobe, shopping, and style on a regular basis has at least to some degree kept me locked into the obsession and overly focused on these issues when I really need to be working on other areas of my life.  Because my bandwidth is limited as a result of my health challenges, I’m not able to do nearly as much as I’d like.  Part of my balance goal for this year is to allocate appropriate proportions of my time to all of the things that matter most to me.  That’s why I have pulled back on my posts here some weeks, as well as written about alternate topics (like this one) and included guest posts on subjects I feel will be of value to you.

Ending on a High Note

I have to admit that I’m disappointed in myself for all of the issues I highlighted in the “what’s not so good” section.  I keep making some of the same mistakes that I’ve made over and over again and that’s very frustrating to me. It’s also hard to admit my failings to the world by means of this blog, and I sometimes cringe when I hit “publish” because I worry about the negative comments I may receive.  But no matter what anyone else says to me, it won’t be as harsh as my inner self dialogue generally is.  I can be my own worst enemy sometimes, as I’m sure is also true for many of you.

I want to end on a high note here, in the spirit of the “sandwich method” and because I like to keep these posts as positive and uplifting as possible.   The good news is that I’m still alive and remain committed to my recovery.  I fully believe that I will put compulsive shopping in my past, even if it takes longer than I expected and hoped it would.  I also believe that I will achieve the life balance I so greatly crave, as well as a fuller life.  But in order to make these things happen, I may have to think outside the box and do things that make me uncomfortable.  I may have to value my needs and well-being above the fears of what others think of me and I may need to risk letting other people down, including the readers of this blog.

The good news is that even if my posts here are sometimes less regular or focused on alternative topics besides wardrobe management, shopping, and personal style, I still have a vast archive of posts for you to explore. You can check out some of my articles for the first time or re-read your favorites (also see my “Start Here” page), as well as the insightful comments of fellow readers.   And beyond that, there is the wonderfully supportive and highly prolific “End Closet Chaos” private Facebook group.  There are close to 750 members now from all around the world and new members and topics are welcome.  I invite you to check it out, even if you just want to lurk for a while.   You’ll learn a lot and gain valuable perspectives even if all you do is read what others have to say!

Your Thoughts?

Now it’s time for you to chime in:

  • Do you feel you’re still a shopaholic (if you ever were one to begin with)? Why or why not?
  • What positive changes have you made this year (or in recent years) in terms of your shopping behavior, wardrobe, style, or life overall?
  • In what ways do you feel you’ve fallen short and continue to struggle?
  • What changes do you hope to make in the coming months in order to end the year on a high note?
18
Jun

Study: Credit Cards Cause More Spending

Study: Credit Cards Cause More Spending

 

Study: Credit Cards Cause More Spending

Credit: AP

Credit: AP

If you’re trying to save money, leave your credit cards at home and pack cash only.

A four-part study found what many financial planners already knew: People spend more money when using credit cards compared to cash purchases. People also spend less when they look at their expenses in detail, the researchers found.

Consumers simply feel the pain of paying more when they part with cash, the researchers, led by Priya Raghubir at New York University, write in the September issue of the Journal of Experimental Psychology: Applied.

Advertisement
  • In one study, 114 participants estimated how much they would spend using cash vs. credit for a well-described restaurant meal. “People are willing to spend (or pay) more when they use a credit card than when using cash,” the authors wrote.
  • In a second test, researchers highlighted the future pain of paying by having 57 participants estimate food expenses for an imaginary Thanksgiving dinner item by item, rather than just as a total. When they did this, the cash-credit spending gap closed. When people confronted the detailed reality of expenses, it no longer mattered whether they used cash or something else, the scientists conclude.
  • Then 28 participants were given a detailed shopping list to work with. In a questionnaire format, spent more when they used a $50 gift certificate instead of $50 cash.
  • Finally, 130 participants were given $1 cash or a $1 gift certificate to buy candy. At first, they were more willing to spend the gift certificate than the cash. But after holding the gift certificate in their wallets for an hour, they became less likely to spend it, indicating the the certificates came to seem more like real money.

“The studies suggest that less transparent payment forms [such as credit cards] tend to be treated like [play] money and are hence more easily spent (or parted with),” the researchers argue.

Financial planners have long encouraged people to avoid credit-card purchases as a way to save money. Doug Borkowski, director of Iowa State University’s Financial Counseling Clinic, counsels students on the subject.

“I have found that if a young person understands that the same amount of money they pay every month for a minimum payment on their credit card could potentially make them a millionaire by the time they reach 65, they might think twice about using that credit card,” Borkowski says.