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Science Says This Simple Hack Can Help You Stop Smoking Weed

Science Says This Simple Hack Can Help You Stop Smoking Weed

What if I told you there’s a hack, that’s backed up with academic research, that can teach you how to stop smoking weed (or cigarettes) for good? That’s right, for good!

This simple technique was first used to teach people how to manage their money more effectively, but inadvertently helped reduce drinking, consumption of of junk food, save and earn more money, and improve work and academic performance.

It’s so effective that I instructed all of my clients and even close friends who are trying to stop smoking weed to use this technique.

Almost all of them informed me how they were either able to completely stop smoking for weed within a month or two or they were able to effortlessly decrease the amount of weed that they were smoking.

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It’s not an instant fix, but its definitely effective over the long run.

The Backstory

In the book The Power of Habit, author Charles Duhigg explains how researchers Ken Cheng and Megan Oaten conducted a four-month experiment in order to improve spending habits. The participants were instructed to write on a piece of paper every penny they spent within the four-month period.

The only issue they had was making tracking their expenses a consistent habit, but once that was ingrained in their system, they experienced incredible results!

After the study concluded, participants reported smoking less, drinking less, and increased productivity at work and school. Oh, and an increase in their bank accounts (obviously).

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Charles Duhigg attempted to explain why the participants experienced so many benefits from tracking their expenses:

“As people strengthened their willpower muscles in one part of their lives — in the gym, or a money management program — that strength spilled over into what they ate or how hard they worked. Once willpower became stronger, it touched everything.”

Not only does tracking your daily expenses increase your willpower to stop smoking weed, but it also helps the brain associate pain with smoking and pleasure with not smoking.

The Pain Pleasure Principle

If you’re trying to change a behavior, rather than using willpower, find a way to associate pain with the unwanted behavior and pleasure with the new and empowering alternative.

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Through The Weed Tracking Technique, you’re going to train your brain to focus on the pain that you normally supress and use that to help you quit smoking weed. You’re going to have to face the reality of how much you spend on weed (I know, it hurts).

https://www.youtube.com/watch?v=Q7XCR8ZUQWA&feature=youtu.be

How to apply The Weed Tracking Technique

The first thing you have to do is commit yourself to this technique for a one- or two-week trial period. Research shows that if you start off with low expectations, it increases the likelihood that the habit will stick.

In addition, we want to use a pen and paper to record your expenses because research shows that writing helps your brain learn faster and encode experiences at a deeper level.

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And, in this case, we’re helping the brain encode the association of pain with smoking and pleasure with not smoking. Makes sense?

One more thing, if you don’t want to track all of your spending, just track the expenses of the habit you’re trying to change. I prefer tracking everything, but something’s better than nothing, right?

The four steps to The Weed Tracking Technique:

  1. Carry around a pen and paper everywhere you go so that you can jot down every time you spend money on weed, cigarettes, or any surrounding expense resulting from smoking (i.e. rolling papers, bongs, food for munchies, or even travel expenses).
  2. At the end of your trial period, add up how much you spent.
  3. Answer this question: What could I have done with this extra money? Make a list of all the things that money could have been used for. Not only write it down, but imagine what you’re writing down vividly. You need to feel the pain of loss.
  4. Write down how your life could have been positively impacted if you actually did those things instead of spending it on weed or cigarettes. It doesn’t matter how big or small the impact is, as long as it’s some form of improvement.

One last bit of advice: when writing down how your life could have been positively impacted by using the money you already spent on something that would positively impact your life, don’t  limit yourself to the direct benefits.

For example, yes, you could’ve used that money to go to a concert and have fun. But during that concert, you could have deepened the relationships you have with your friends or you could have met your future boyfriend or girlfriend.

So, what are you waiting for? Get that sheet of paper and start tracking your spending!

Featured photo credit: female smoking/ By Thong Von via unsplash.com

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Published on January 8, 2021

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

1. Pay More Than the Minimum Credit Card Payments

Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

2. Start With High-Interest Credit Card Debt

If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

3. Revisit Your Budget

Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

4. Avoid Using Your Credit Cards

Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

5. Start a Side Hustle to Boost Your Income

You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

6. Sell Your Used Items for Extra Cash

Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

7. Know When to Seek Help With Your Debt

Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

In extreme cases, the debt solution can be:

  • Debt relief – where your debt is partially or wholly forgiven
  • Debt consolidation – taking out one loan to repay others
  • Debt settlement – the creditor forgives a significant portion of your debt
  • Bankruptcy – legal process for seeking relief from some or all your debts

It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

Wrapping It Up

Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

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Featured photo credit: rupixen.com via unsplash.com

Reference

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