Wednesday 2 August 2017

July 2017 Online Income Report: $15,031.85

Hey everyone! If you’re new around here, I started tracking my blogging income through these income reports in mid-2016. This is a great way for me to keep an eye on my progress of doing M$M full-time, and it’s also a great way for you to follow along as well if you’re thinking of starting an online business!...

The post July 2017 Online Income Report: $15,031.85 appeared first on Millennial Money Man.


July 2017 Online Income Report: $15,031.85 posted first on cashforcarsperthblog.blogspot.com

We’re Living on My Blogging Income and Investing My Wife’s Entire Salary

Yeah, that headline is real (and maybe the longest one I’ve ever used haha). In the next few months, my wife and I are going to transition to living completely off of my blogging business income and investing her entire $55,000 per year salary. Even though it feels like I’ve been blogging about personal finance...

The post We’re Living on My Blogging Income and Investing My Wife’s Entire Salary appeared first on Millennial Money Man.


We’re Living on My Blogging Income and Investing My Wife’s Entire Salary posted first on cashforcarsperthblog.blogspot.com

5 Financial Goals You Should Accomplish Before Turning 30

I’m currently sitting in a situation that a lot of Millennials hoped would never come. I just turned 29, and am wondering how in the world this horrible thing happened to me. As I understand it, turning 30 means you might as well be 50, which essentially means that I might as well just start...

The post 5 Financial Goals You Should Accomplish Before Turning 30 appeared first on Millennial Money Man.


5 Financial Goals You Should Accomplish Before Turning 30 posted first on cashforcarsperthblog.blogspot.com

China funds shine for UK investors in 2017 http://on.ft.com/2uYmkRn 

China funds shine for UK investors in 2017 http://on.ft.com/2uYmkRn 


China funds shine for UK investors in 2017 http://on.ft.com/2uYmkRn  posted first on cashforcarsperthblog.blogspot.com

Insurance — a vital component of financial planning http://on.ft.com/2w8s3T7 

Insurance — a vital component of financial planning http://on.ft.com/2w8s3T7 


Insurance — a vital component of financial planning http://on.ft.com/2w8s3T7  posted first on cashforcarsperthblog.blogspot.com

The Shift That Helped Me Finally Stop Binge Eating

The Shift That Helped Me Finally Stop Binge Eating

I don’t know where the time has gone, friends. July has come to an end, which also means summer is half over. And it feels like I only just started the slow food experiment, yet somehow today is the last day of it.

I have to admit: food has been the easiest of all the slow living experiments I’ve done so far this year. Truly, everything about it was easy. When I got home from that road trip I did across the US, I was so excited to get back into the kitchen. I’ve never craved fresh fruit, salads and smoothies more. And after toying with the idea for close to a year, the voice that had been telling me to switch back to a vegetarian diet was louder than ever. When you’re that excited about making a change, it’s easy to embrace it – and that’s exactly what I did.

For those of you who have been following my Instagram stories (clips that only last for 24 hours), you know I’ve spent a lot of hours in the kitchen this month. I went right back to some of my old vegetarian recipes, and even tried about 7-10 new ones. I don’t know if I’d ever tried that many new recipes in a year before, let alone in one month. But again, I was excited! So not only was I trying lots of new recipes, I was also sharing pictures of the end results. I won’t do this forever, but I was excited about food for the first time in years – and it felt good.

On top of switching back to veg and eating mostly home-cooked meals, two of my other goals were around sourcing and eating more local food products (and finding restaurants that do the same here, which fortunately Squamish has lots of). I feel like the universe was on my side, because shortly after publishing that post, the woman who manages the Squamish Farmers Market introduced herself to me through Instagram and we later connected at the market. There, I’ve been buying produce grown in the Sea-to-Sky Corridor and found a farm in Squamish to buy fresh free-range eggs from. She also invited me to a water bath canning workshop, and then another friend in Squamish gave me a gallon of homemade kombucha. Now, I’m envisioning myself canning things in the fall and playing around with fermentation. This whole month was just another example of something I’ve learned to be true: when you’re ready to make a change, opportunities will present themselves.

The slow food experiment is technically over, as of tonight, and I’ve noticed so many positive effects from it. It’s easier to wake up in the morning. I have a clearer mind and more energy during the day. I am sleeping a bit better (though I also think the Calm sleep stories have something to do with that). I’m less bloated and have less pain in my body/hip. Generally, I just feel better overall. IT ALSO FEELS GOOD TO BE EXCITED ABOUT FOOD! Oh, and I haven’t stepped on a scale since the end of June, but I would guess I’ve lost a few pounds too.

In saying that, I want to talk about something I was asked a few times via email this month. No, I am not on a diet. This was not a diet. And you wouldn’t catch me talking about dieting here, because I am anti-diet.

I’ve been hesitant to ever write about this because it’s not very often I take a HARD stance on something. I’m usually open to seeing both sides of a scenario and encourage people to work within their comfort zones. Also, for most of my life, I was somewhere in the middle of that spectrum. I’ve never really believed in diets, but I’ve gone through a few periods of restricting my calories in order to lose weight. I’d still eat most of my regular meals, I would just eat smaller portions of them. And in the short-term, it worked. In 2012, I lost 30 lbs. from both restricting my calories and working out 4-5 days/week (<– that second part was still key).

But guess what’s happened since 2012? My weight has fluctuated. The car accident I was in played a major role in that, of course. It was five months before I could get back into the gym and nearly three years before I could run again (and that was only after having surgery). Naturally, my weight went up when I wasn’t active and has gone down since I’ve been back to my normal self. I’m not far from where I was when I’d hit that 30 lb. mark, but it’s not a goal of mine anymore, so I refuse to restrict my calories or do any kind of diet to get there. The reason I refuse to diet is because I know they don’t work. And the reason I feel confident saying diets don’t work is because they don’t address the real issues.

Let’s start by looking at this from a “mindful consumer” standpoint. Part of being a mindful consumer includes being able to take a step back before making a purchase and asking ourselves why we are so comfortable buying into the idea that we need this product in our lives. Diets are marketing campaigns. That’s it. It’s so simple but it’s worth repeating: diets are marketing campaigns. Atkins, Jenny Craig, Weight Watchers, slow carb, calorie restricting, juice cleanses, intermittent fasting, etc. They address our problems and insecurities and sell us promises to fix them. And I don’t think there’s anything wrong with wanting to feel like your best self. On that note, if you know your weight or your current food choices could be hurting your health, you should absolutely take control of that situation and start figuring out what some healthier options are for you. But the popular “diets” out there are probably not the answer. They don’t address the real issues. In fact, they often create more.

One big problem diets have created is that they ask us to place food into one of two categories: good or bad. When we eat foods from the “good” category, we feel good about ourselves. It is a false measure of self-worth. I can speak to this personally, because I know what I’m about to say next is truer than anything I’ve said about food before. When we eat foods from the “bad” category, we feel ashamed. And when you feel ashamed of your actions, it is way too easy to slip into a cycle of self-loathing and substance abuse.

I’ve never really talked about my struggles with binge eating here before. You might have caught a glimpse inside the story in these two posts (Don’t Treat Yourself, Take Care of Yourself & What Happened When I Tracked My Food Intake for 60 Days). But for the most part, I’ve never mentioned it because I have more shame about my binge eating than I ever did about my debt, my shopping or even my drinking. In The Year of Less, I write that I know a lot of people use shopping as a way to treat themselves. It’s a pick-me-up on a bad day or even a way to celebrate on a good day. I didn’t shop in those moments. Nope. In those moments, I always turned to alcohol and food. And once the alcohol was gone, the only thing I had left was food.

My binges usually involved eating an entire pizza or a bag of peanut butter M&Ms. Sometimes both. I’ve also lied about what I ate, eaten alone in my car, and even hidden food at home or in my desk at work. Being ashamed about my food binges is what caused me to keep them a secret for so long. Shame feeds on secrecy. And my secrets were two-fold: I didn’t want to talk about the things in my life that were causing me to binge on alcohol and food, and I didn’t want to talk about the binges themselves either. I was ashamed of it all. And when you’re ashamed, you live in a cycle of self-loathing and potential substance abuse. After eating the “bad” food, I would tell myself I was a bad person and convince myself I’d be fat forever so I shouldn’t bother attempting to restrict these “bad” foods from my diet. And then I would usually binge at least once a week.

Over the years, I’ve made a number of positive changes to my diet – this time, the word “diet” being used to describe the food I happily choose to eat on a regular basis, not a specific program I am following. I’ve accepted that dairy isn’t great for me and switched to almond milk and other alternative products. I’ve swapped my afternoon coffee/treat with a smoothie (and only have it when I’m genuinely hungry for it). And obviously this past month, I cut meat out. You should note that none of these changes were made overnight. More importantly, though, none of them were made with the hopes that I would lose weight. I made them after listening to my body and paying attention to how things made me feel. So I’ve been on the right track but I would still have the occasional binge on pizza or chocolate or both because I wasn’t addressing the real issues.

The real issues for me were underlying: having a low self-worth, being fairly sensitive to criticism and judgment and pain, and not realizing that I was trying to numb it all. Honestly, I wasn’t even ready to talk about some of these things until I finally started going to therapy this year (and I will now forever advocate the importance of taking control of our mental health alongside our physical health). But one thing I figured out on my own first was that I had to remove the shame about eating “bad” food in order to finally be able to stop binging and end this cycle – and I started removing the shame by changing the stories I was telling myself about food.

One of the reasons diets are setup to fail right from the start is because we see the healthier food options as the worser options. We feel like we “have to” eat them or we “should” eat them, and the story we tell ourselves is that we don’t really want to but we will suffer through it. At some point in the past couple of years, I changed the story and started reminding myself how delicious it was and how much better I felt after eating the healthier options. From there, I’ve slowly added cleaner and more whole-food recipes to my regular diet.

The other mindset shift I had to make was that I stopped sorting foods into “good” and “bad” categories – or really, I just stopped feeling like any food was BAD. Is sugar great for you? No. Is pizza great for you? Not really. But once I stopped telling myself it was bad and I was a bad person for eating it, I was actually able to enjoy it occasionally – and I can’t remember the last time I had a genuine binge. When I decide to eat the piece of pizza or the slice of cake, I simply choose to enjoy it <– and that has made all the difference. Instead of eating an entire thing, I now know how to have just a couple pieces and save the rest for another day. I enjoy the amount I eat, chew slower and taste the flavours. I don’t binge and I don’t feel ashamed after. I know I’m not a bad person for eating pizza or chocolate.

Now, I know that in itself won’t work for everyone right off the bat. Sugar is a drug, and even having a little bit can cause a lot of people to binge on more and more of it. But I still stand by what I said about removing the shame about ever eating it at all. Eating sugar doesn’t make you a bad person. And as soon as we can change these thoughts, we can start to change our relationship with all food. In my mind, that is the ultimate goal. Forget about diets. In an interview with Nicole Antoinette, Anna Guest-Jelley reminds us that if diets worked, the industry wouldn’t exist because everyone would be their ideal weight and size. So, forget about them. Instead, let’s change our relationship with food. Let’s fall in love with the food that makes us feel like our best selves, taste the flavours of the things we enjoy and stop shaming ourselves for eating anything that is so-called “bad”.

So to answer the question again, no, I wasn’t on a diet this month. The slow food experiment wasn’t a diet, and you’ll never hear me say I’m on a diet because I am anti-diet. Diets are marketing campaigns created to sell products. They promise they’ll fix our problems and insecurities, but they don’t address the real issues. The real issues will be personal for everyone, but I think it’s safe to say that changing our relationship with food and the stories we tell ourselves about it are part of a lasting solution. That’s not a diet. That’s an act of self-care.

Experiment #6: Slow Food

  • Eat mostly* home-cooked meals – done!
  • *Eat out max. once/week at restaurants that use locally-sourced ingredients – usually ate out twice/week
  • Swap out some ingredients for stuff that can be sourced in Squamish or BC – done!
  • Switch back to a vegetarian diet – done! minus eating fish tacos around my birthday
  • Eat slowly – done!

I want to add that a lot of what I’ve been practicing over these past couple of years could be described as mindful eating (or “intuitive” eating). There are some great blog posts and books on the subject, with ideas and guidelines written by dieticians, nutritions and doctors who are far more qualified to write about this than I am. And like I said before, if you struggle with binge eating or are worried about your health, I will forever advocate the importance of dealing with both your mental health and physical health.

The only things I can speak to are my experiences, and my experience shows me that my own binge eating was a result of not treating underlying issues and feeling ashamed about my food choices. Removing the shame and changing the stories I told myself about food are two of the ways I’ve been able to develop a healthier relationship with it – and with myself.

That is the goal. <3


Extra Reading


The Shift That Helped Me Finally Stop Binge Eating posted first on cashforcarsperthblog.blogspot.com

Fix your iPhone — and everything else http://on.ft.com/2uUcq3k 

Fix your iPhone — and everything else http://on.ft.com/2uUcq3k 


Fix your iPhone — and everything else http://on.ft.com/2uUcq3k  posted first on cashforcarsperthblog.blogspot.com

Investors should embrace the power of doing nothing http://on.ft.com/2w4uHtf 

Investors should embrace the power of doing nothing http://on.ft.com/2w4uHtf 


Investors should embrace the power of doing nothing http://on.ft.com/2w4uHtf  posted first on cashforcarsperthblog.blogspot.com

1.7m pensioners face ‘misery’ of annual tax return http://on.ft.com/2eU87iP 

1.7m pensioners face ‘misery’ of annual tax return http://on.ft.com/2eU87iP 


1.7m pensioners face ‘misery’ of annual tax return http://on.ft.com/2eU87iP  posted first on cashforcarsperthblog.blogspot.com

Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni 

Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni 


Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni  posted first on cashforcarsperthblog.blogspot.com

Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8 

Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8 


Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8  posted first on cashforcarsperthblog.blogspot.com

Old age really is just a higher number http://on.ft.com/2h8MH26 

Old age really is just a higher number http://on.ft.com/2h8MH26 


Old age really is just a higher number http://on.ft.com/2h8MH26  posted first on cashforcarsperthblog.blogspot.com

Can you afford to live to 100? http://on.ft.com/2eUdgqX 

Can you afford to live to 100? http://on.ft.com/2eUdgqX 


Can you afford to live to 100? http://on.ft.com/2eUdgqX  posted first on cashforcarsperthblog.blogspot.com

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 


Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI  posted first on cashforcarsperthblog.blogspot.com

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 


Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF  posted first on cashforcarsperthblog.blogspot.com

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 


Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk  posted first on cashforcarsperthblog.blogspot.com

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 


Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD  posted first on cashforcarsperthblog.blogspot.com

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.


In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change. posted first on cashforcarsperthblog.blogspot.com

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the podcast http://ift.tt/2vdvV8r; … via


Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT posted first on cashforcarsperthblog.blogspot.com

Fix your iPhone — and everything else http://on.ft.com/2uUcq3k 

Fix your iPhone — and everything else http://on.ft.com/2uUcq3k 


Fix your iPhone — and everything else http://on.ft.com/2uUcq3k  posted first on cashforcarsperthblog.blogspot.com

Investors should embrace the power of doing nothing http://on.ft.com/2w4uHtf 

Investors should embrace the power of doing nothing http://on.ft.com/2w4uHtf 


Investors should embrace the power of doing nothing http://on.ft.com/2w4uHtf  posted first on cashforcarsperthblog.blogspot.com

1.7m pensioners face ‘misery’ of annual tax return http://on.ft.com/2eU87iP 

1.7m pensioners face ‘misery’ of annual tax return http://on.ft.com/2eU87iP 


1.7m pensioners face ‘misery’ of annual tax return http://on.ft.com/2eU87iP  posted first on cashforcarsperthblog.blogspot.com

Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni 

Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni 


Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni  posted first on cashforcarsperthblog.blogspot.com

Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8 

Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8 


Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8  posted first on cashforcarsperthblog.blogspot.com

Old age really is just a higher number http://on.ft.com/2h8MH26 

Old age really is just a higher number http://on.ft.com/2h8MH26 


Old age really is just a higher number http://on.ft.com/2h8MH26  posted first on cashforcarsperthblog.blogspot.com

Can you afford to live to 100? http://on.ft.com/2eUdgqX 

Can you afford to live to 100? http://on.ft.com/2eUdgqX 


Can you afford to live to 100? http://on.ft.com/2eUdgqX  posted first on cashforcarsperthblog.blogspot.com

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 


Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI  posted first on cashforcarsperthblog.blogspot.com

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 


Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF  posted first on cashforcarsperthblog.blogspot.com

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 


Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk  posted first on cashforcarsperthblog.blogspot.com

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 


Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD  posted first on cashforcarsperthblog.blogspot.com

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.


In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change. posted first on cashforcarsperthblog.blogspot.com

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the podcast http://ift.tt/2vdvV8r; … via


Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT posted first on cashforcarsperthblog.blogspot.com

Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni 

Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni 


Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni  posted first on cashforcarsperthblog.blogspot.com

Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8 

Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8 


Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8  posted first on cashforcarsperthblog.blogspot.com

Old age really is just a higher number http://on.ft.com/2h8MH26 

Old age really is just a higher number http://on.ft.com/2h8MH26 


Old age really is just a higher number http://on.ft.com/2h8MH26  posted first on cashforcarsperthblog.blogspot.com

Can you afford to live to 100? http://on.ft.com/2eUdgqX 

Can you afford to live to 100? http://on.ft.com/2eUdgqX 


Can you afford to live to 100? http://on.ft.com/2eUdgqX  posted first on cashforcarsperthblog.blogspot.com

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 


Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI  posted first on cashforcarsperthblog.blogspot.com

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 


Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF  posted first on cashforcarsperthblog.blogspot.com

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 


Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk  posted first on cashforcarsperthblog.blogspot.com

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 


Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD  posted first on cashforcarsperthblog.blogspot.com

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.


In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change. posted first on cashforcarsperthblog.blogspot.com

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the podcast http://ift.tt/2vdvV8r; … via


Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT posted first on cashforcarsperthblog.blogspot.com

Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni 

Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni 


Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni  posted first on cashforcarsperthblog.blogspot.com

Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8 

Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8 


Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8  posted first on cashforcarsperthblog.blogspot.com

Old age really is just a higher number http://on.ft.com/2h8MH26 

Old age really is just a higher number http://on.ft.com/2h8MH26 


Old age really is just a higher number http://on.ft.com/2h8MH26  posted first on cashforcarsperthblog.blogspot.com

Can you afford to live to 100? http://on.ft.com/2eUdgqX 

Can you afford to live to 100? http://on.ft.com/2eUdgqX 


Can you afford to live to 100? http://on.ft.com/2eUdgqX  posted first on cashforcarsperthblog.blogspot.com

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 


Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI  posted first on cashforcarsperthblog.blogspot.com

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 


Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF  posted first on cashforcarsperthblog.blogspot.com

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 


Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk  posted first on cashforcarsperthblog.blogspot.com

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 


Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD  posted first on cashforcarsperthblog.blogspot.com

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.


In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change. posted first on cashforcarsperthblog.blogspot.com

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the podcast http://ift.tt/2vdvV8r; … via


Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT posted first on cashforcarsperthblog.blogspot.com

July 2017 Online Income Report: $15,031.85

Hey everyone! If you’re new around here, I started tracking my blogging income through these income reports in mid-2016. This is a great way for me to keep an eye on my progress of doing M$M full-time, and it’s also a great way for you to follow along as well if you’re thinking of starting an online business!...

The post July 2017 Online Income Report: $15,031.85 appeared first on Millennial Money Man.


July 2017 Online Income Report: $15,031.85 posted first on cashforcarsperthblog.blogspot.com

Fix your iPhone — and everything else http://on.ft.com/2uUcq3k 

Fix your iPhone — and everything else http://on.ft.com/2uUcq3k 


Fix your iPhone — and everything else http://on.ft.com/2uUcq3k  posted first on cashforcarsperthblog.blogspot.com

Investors should embrace the power of doing nothing http://on.ft.com/2w4uHtf 

Investors should embrace the power of doing nothing http://on.ft.com/2w4uHtf 


Investors should embrace the power of doing nothing http://on.ft.com/2w4uHtf  posted first on cashforcarsperthblog.blogspot.com

1.7m pensioners face ‘misery’ of annual tax return http://on.ft.com/2eU87iP 

1.7m pensioners face ‘misery’ of annual tax return http://on.ft.com/2eU87iP 


1.7m pensioners face ‘misery’ of annual tax return http://on.ft.com/2eU87iP  posted first on cashforcarsperthblog.blogspot.com

Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni 

Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni 


Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni  posted first on cashforcarsperthblog.blogspot.com

Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8 

Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8 


Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8  posted first on cashforcarsperthblog.blogspot.com

Old age really is just a higher number http://on.ft.com/2h8MH26 

Old age really is just a higher number http://on.ft.com/2h8MH26 


Old age really is just a higher number http://on.ft.com/2h8MH26  posted first on cashforcarsperthblog.blogspot.com

Can you afford to live to 100? http://on.ft.com/2eUdgqX 

Can you afford to live to 100? http://on.ft.com/2eUdgqX 


Can you afford to live to 100? http://on.ft.com/2eUdgqX  posted first on cashforcarsperthblog.blogspot.com

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 


Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI  posted first on cashforcarsperthblog.blogspot.com

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 


Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF  posted first on cashforcarsperthblog.blogspot.com

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 


Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk  posted first on cashforcarsperthblog.blogspot.com

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 


Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD  posted first on cashforcarsperthblog.blogspot.com

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.


In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change. posted first on cashforcarsperthblog.blogspot.com

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the podcast http://ift.tt/2vdvV8r; … via


Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT posted first on cashforcarsperthblog.blogspot.com

Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni 

Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni 


Investors Chronicle: GSK, Sports Direct, Domino’s Pizza http://on.ft.com/2h9nKni  posted first on cashforcarsperthblog.blogspot.com

Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8 

Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8 


Aberdeen leads ‘Spot the Dog’ list of underperforming funds http://on.ft.com/2h8MHz8  posted first on cashforcarsperthblog.blogspot.com

Old age really is just a higher number http://on.ft.com/2h8MH26 

Old age really is just a higher number http://on.ft.com/2h8MH26 


Old age really is just a higher number http://on.ft.com/2h8MH26  posted first on cashforcarsperthblog.blogspot.com

Can you afford to live to 100? http://on.ft.com/2eUdgqX 

Can you afford to live to 100? http://on.ft.com/2eUdgqX 


Can you afford to live to 100? http://on.ft.com/2eUdgqX  posted first on cashforcarsperthblog.blogspot.com

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 


Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI  posted first on cashforcarsperthblog.blogspot.com

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 


Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF  posted first on cashforcarsperthblog.blogspot.com

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 


Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk  posted first on cashforcarsperthblog.blogspot.com

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 


Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD  posted first on cashforcarsperthblog.blogspot.com

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.


In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change. posted first on cashforcarsperthblog.blogspot.com

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the podcast http://ift.tt/2vdvV8r; … via


Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT posted first on cashforcarsperthblog.blogspot.com

Tuesday 1 August 2017

Fix your iPhone — and everything else http://on.ft.com/2uUcq3k 

Fix your iPhone — and everything else http://on.ft.com/2uUcq3k 


Fix your iPhone — and everything else http://on.ft.com/2uUcq3k  posted first on cashforcarsperthblog.blogspot.com

Investors should embrace the power of doing nothing http://on.ft.com/2w4uHtf 

Investors should embrace the power of doing nothing http://on.ft.com/2w4uHtf 


Investors should embrace the power of doing nothing http://on.ft.com/2w4uHtf  posted first on cashforcarsperthblog.blogspot.com

Old age really is just a higher number http://on.ft.com/2h8MH26 

Old age really is just a higher number http://on.ft.com/2h8MH26 


Old age really is just a higher number http://on.ft.com/2h8MH26  posted first on cashforcarsperthblog.blogspot.com

Can you afford to live to 100? http://on.ft.com/2eUdgqX 

Can you afford to live to 100? http://on.ft.com/2eUdgqX 


Can you afford to live to 100? http://on.ft.com/2eUdgqX  posted first on cashforcarsperthblog.blogspot.com

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 


Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI  posted first on cashforcarsperthblog.blogspot.com

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 


Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF  posted first on cashforcarsperthblog.blogspot.com

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 


Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk  posted first on cashforcarsperthblog.blogspot.com

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 


Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD  posted first on cashforcarsperthblog.blogspot.com

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.


In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change. posted first on cashforcarsperthblog.blogspot.com

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the podcast http://ift.tt/2vdvV8r; … via


Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT posted first on cashforcarsperthblog.blogspot.com

What’s really putting the brakes on the housing market? http://on.ft.com/2eN6mnk 

What’s really putting the brakes on the housing market? http://on.ft.com/2eN6mnk 


What’s really putting the brakes on the housing market? http://on.ft.com/2eN6mnk  posted first on cashforcarsperthblog.blogspot.com

Pension Wise website unclear on tax rules, says former minister http://on.ft.com/2uW0DCq 

Pension Wise website unclear on tax rules, says former minister http://on.ft.com/2uW0DCq 


Pension Wise website unclear on tax rules, says former minister http://on.ft.com/2uW0DCq  posted first on cashforcarsperthblog.blogspot.com

Godzilla charities threaten to overwhelm smaller rivals http://on.ft.com/2eMMfWr 

Godzilla charities threaten to overwhelm smaller rivals http://on.ft.com/2eMMfWr 


Godzilla charities threaten to overwhelm smaller rivals http://on.ft.com/2eMMfWr  posted first on cashforcarsperthblog.blogspot.com

Old age really is just a higher number http://on.ft.com/2h8MH26 

Old age really is just a higher number http://on.ft.com/2h8MH26 


Old age really is just a higher number http://on.ft.com/2h8MH26  posted first on cashforcarsperthblog.blogspot.com

Can you afford to live to 100? http://on.ft.com/2eUdgqX 

Can you afford to live to 100? http://on.ft.com/2eUdgqX 


Can you afford to live to 100? http://on.ft.com/2eUdgqX  posted first on cashforcarsperthblog.blogspot.com

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 

Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI 


Some tracker funds cost 10 times more than rivals http://on.ft.com/2eTivHI  posted first on cashforcarsperthblog.blogspot.com

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 

Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF 


Extra-long mortgages push up the age of borrowers http://on.ft.com/2h7HzeF  posted first on cashforcarsperthblog.blogspot.com

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 

Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk 


Why the government has U-turned on employment tribunal fees http://on.ft.com/2eSadQk  posted first on cashforcarsperthblog.blogspot.com

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 

Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD 


Leaseholds — the PPI of the property industry http://on.ft.com/2h7HyHD  posted first on cashforcarsperthblog.blogspot.com

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.

In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change.


In my view, advisors shd be warning those wanting DB transfer - because of superior death benefits of drawdown - tax rules can & do change. posted first on cashforcarsperthblog.blogspot.com

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT

Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the podcast http://ift.tt/2vdvV8r; … via


Live until you're 100??? Are you kidding? How on earth will we afford that? Listen to the @ftmoney podcast http://ift.tt/2w5UsbU … via @FT posted first on cashforcarsperthblog.blogspot.com

What’s really putting the brakes on the housing market? http://on.ft.com/2eN6mnk 

What’s really putting the brakes on the housing market? http://on.ft.com/2eN6mnk 


What’s really putting the brakes on the housing market? http://on.ft.com/2eN6mnk  posted first on cashforcarsperthblog.blogspot.com

Pension Wise website unclear on tax rules, says former minister http://on.ft.com/2uW0DCq 

Pension Wise website unclear on tax rules, says former minister http://on.ft.com/2uW0DCq 


Pension Wise website unclear on tax rules, says former minister http://on.ft.com/2uW0DCq  posted first on cashforcarsperthblog.blogspot.com

Godzilla charities threaten to overwhelm smaller rivals http://on.ft.com/2eMMfWr 

Godzilla charities threaten to overwhelm smaller rivals http://on.ft.com/2eMMfWr 


Godzilla charities threaten to overwhelm smaller rivals http://on.ft.com/2eMMfWr  posted first on cashforcarsperthblog.blogspot.com

Is Driving with Uber the Right Side Hustle?

Do you want to make some extra money by simply turning on your phone and hopping in your car? Being a rideshare driver is a great side hustle opportunity as you have complete flexibility with your working hours.

However, before you accept your first passenger, there are a few tricks of the trade to you need to know before you get started driving with Uber.

The Most Flexible Job in the World

Some will argue rideshare driving is the most flexible job in the world. You get to choose when you want to drive because you are not an Uber employee, but rather an independent contractor, partnering with Uber on your schedule.

Whether you are college student needing a way to make money around your school schedule or a retiree looking to simply make money for your next game of golf, becoming a driver for Uber is often the perfect side hustle. Many working professionals have also started driving with Uber because of the flexibility to earn extra cash “after work”.

Related Post: The Top 68 Side Hustles

How Much Can You Really Make?

Uber doesn’t tell you exactly what drivers make because there are so many factors involved depending on where you drive, time of day, time of year, and whether or not you drive during a surge (peak times).

However, Uber does say this:

“…you can drive and earn as much as you want. And, the more you drive, the more you’ll make. ”

According to Uber there are more riders on the  road than ever before. With the increase in people looking for their next ride, more people are deciding to partner with Uber to generate extra income than ever before. Again, Money Peach can’t give a set dollar per hour amount, but we can tell you drivers are signing up to drive for a reason – they’re making money 🙂

Boosting Your Rate with Surge Pricing

Uber will reward you for driving during peak hours when there is a higher demand for rides. These “surge pricing” opportunities usually occur during commute hours and on Friday and Saturday nights. If you can be available to drive at these times, you can expect to generate between 1.3x to 2.1x the normal fare.

Maximizing Your Income Potential

The most successful drivers follow these tips to maximize their earning potential:

  • Drive during “Surge Pricing” hours
  • Take back roads to arrive at the destination sooner
  • Try driving at different times of the week to find the best level of demand and pricing
  • Record trip mileage to deduct on income taxes
  • Maximize efforts for an increased tip

Uber Now Allows Tips

Up until recently, Uber did not offer a way for a passenger to tip. However starting in July 2017, tipping will be available everywhere you can find an Uber ride.

As soon as you arrive at the set destination, the rider’s phone will show an option for a pre-set tip amount or a custom amount. This could boost your hourly rate quite a bit with simply going above and beyond.

Some things we recommend are:

  • Providing a charger for the rider’s phone
  • Asking rider their preferred radio station
  • Making sure car is clean and smells good
  • Opening the door for rider(s)
  • Offering bottled water to your rider

Driver Requirements

Is Driving with Uber the Right Side HustleFirst off, you need to be at least 21 years old with three years of driving experience or 23 years old with at least one year of driving experience. You will also need to pass a background check that includes a review of your last seven-year driving record and you must be without a criminal history.

As a new driver, Uber will also offer you a signup incentive after you complete a minimum number of rides. These incentives are also based on the city you plan to drive in are is technically free money! If you’re going to get started, make sure you can accept the minimum number of rides to boost your next paycheck.

Vehicle Requirements

All drivers are independent contractors which means they must provide their own vehicle. However, if you are listed on the insurance policy, you can drive a friend or family member’s vehicle.

Before you can accept your first ride, your vehicle must meet the following criteria:

  • Must have four doors and at least five seat belts
  • Be a 2001 model or newer
  • Vehicle is currently insured and registered
  • Pass an Uber vehicle inspection

***Some cities also have their own additional requirements for Uber vehicles such as being a 2006 model or newer. In New York City, you will also need a Taxi and Limousine Commission (TLC) license.

A Few Helpful Vehicle Tips

The type of vehicle you drive also factors into your earning potential with Uber. You get paid the same if you drive a gas guzzler or a fuel sipper, but having a low-cost vehicle equals more money in your wallet.

In addition to meeting Uber’s vehicle requirements, you should also follow these suggestions:

  • Drive something with great fuel mileage (i.e. Toyota Prius)
  • Avoid vehicles with expensive ongoing maintenance costs
  • Do regular preventative maintenance to avoid costly repairs later
  • Having a more luxurious vehicle can mean you earn more per trip

Other Tips to Become a Successful driver

In addition to having flexibility with your driving schedule and driving a reliable, fuel-efficient vehicle, these other handy tips can help you become a successful driver.

Carry Ridesharing Insurance

Your car insurance provider might also require you to a ridesharing option for additional coverage. These policies can cost an extra $5 a month and can be well worth it if you are involved in an incident.

Uber does provide all their drivers with $1 million in liability coverage in the event of a car accident.

Learning to Use the Uber Map

The Uber app has a heat map that color codes the demand for rides on a hot and cold basis. While only moving to the red area (hot) of the map is a start, pay attention to the proximity of other drivers competing for rides. If you think there are too many drivers in a small area, move somewhere else.

Moving a few blocks can make you the first option for riders instead of letting them choose the driver they think will be best. Remember, you only earn money when you are driving a passenger and sometimes it’s better to be the big fish in the little pond.

They Rate You and You Rate Them

Even when you are driving an irksome passenger, be professional and courteous at all times. To keep driving for Uber, you need to maintain a 4.6 feedback rating or higher. Of course, being friendly increase your chances of earning a 5-star rating and maybe even make a tip! Plus, you can always leave the appropriate feedback for your friendly and unruly passengers alike.

Consider Driving for Lyft Too

Since you are an independent contractor, you can also become a Lyft driver. By monitoring both apps simultaneously, you can pick the best ride requests at anytime. This is another perk about being an independent contractor – you can partner with both rideshare companies at the same time!

Summary

The ridesharing economy is now one of the most popular side hustle opportunities in the 21st century. By becoming a driver, you can get in on the action too. If you have a clean driving record, a reliable vehicle, and a flexible schedule, you can earn as much or as little as you want driving with Uber.

The post Is Driving with Uber the Right Side Hustle? appeared first on Money Peach.


Is Driving with Uber the Right Side Hustle? posted first on cashforcarsperthblog.blogspot.com

Monday 31 July 2017

The Shift That Helped Me Finally Stop Binge Eating

The Shift That Helped Me Finally Stop Binge Eating

I don’t know where the time has gone, friends. July has come to an end, which also means summer is half over. And it feels like I only just started the slow food experiment, yet somehow today is the last day of it.

I have to admit: food has been the easiest of all the slow living experiments I’ve done so far this year. Truly, everything about it was easy. When I got home from that road trip I did across the US, I was so excited to get back into the kitchen. I’ve never craved fresh fruit, salads and smoothies more. And after toying with the idea for close to a year, the voice that had been telling me to switch back to a vegetarian diet was louder than ever. When you’re that excited about making a change, it’s easy to embrace it – and that’s exactly what I did.

For those of you who have been following my Instagram stories (clips that only last for 24 hours), you know I’ve spent a lot of hours in the kitchen this month. I went right back to some of my old vegetarian recipes, and even tried about 7-10 new ones. I don’t know if I’d ever tried that many new recipes in a year before, let alone in one month. But again, I was excited! So not only was I trying lots of new recipes, I was also sharing pictures of the end results. I won’t do this forever, but I was excited about food for the first time in years – and it felt good.

On top of switching back to veg and eating mostly home-cooked meals, two of my other goals were around sourcing and eating more local food products (and finding restaurants that do the same here, which fortunately Squamish has lots of). I feel like the universe was on my side, because shortly after publishing that post, the woman who manages the Squamish Farmers Market introduced herself to me through Instagram and we later connected at the market. There, I’ve been buying produce grown in the Sea-to-Sky Corridor and found a farm in Squamish to buy fresh free-range eggs from. She also invited me to a water bath canning workshop, and then another friend in Squamish gave me a gallon of homemade kombucha. Now, I’m envisioning myself canning things in the fall and playing around with fermentation. This whole month was just another example of something I’ve learned to be true: when you’re ready to make a change, opportunities will present themselves.

The slow food experiment is technically over, as of tonight, and I’ve noticed so many positive effects from it. It’s easier to wake up in the morning. I have a clearer mind and more energy during the day. I am sleeping a bit better (though I also think the Calm sleep stories have something to do with that). I’m less bloated and have less pain in my body/hip. Generally, I just feel better overall. IT ALSO FEELS GOOD TO BE EXCITED ABOUT FOOD! Oh, and I haven’t stepped on a scale since the end of June, but I would guess I’ve lost a few pounds too.

In saying that, I want to talk about something I was asked a few times via email this month. No, I am not on a diet. This was not a diet. And you wouldn’t catch me talking about dieting here, because I am anti-diet.

I’ve been hesitant to ever write about this because it’s not very often I take a HARD stance on something. I’m usually open to seeing both sides of a scenario and encourage people to work within their comfort zones. Also, for most of my life, I was somewhere in the middle of that spectrum. I’ve never really believed in diets, but I’ve gone through a few periods of restricting my calories in order to lose weight. I’d still eat most of my regular meals, I would just eat smaller portions of them. And in the short-term, it worked. In 2012, I lost 30 lbs. from both restricting my calories and working out 4-5 days/week (<– that second part was still key).

But guess what’s happened since 2012? My weight has fluctuated. The car accident I was in played a major role in that, of course. It was five months before I could get back into the gym and nearly three years before I could run again (and that was only after having surgery). Naturally, my weight went up when I wasn’t active and has gone down since I’ve been back to my normal self. I’m not far from where I was when I’d hit that 30 lb. mark, but it’s not a goal of mine anymore, so I refuse to restrict my calories or do any kind of diet to get there. The reason I refuse to diet is because I know they don’t work. And the reason I feel confident saying diets don’t work is because they don’t address the real issues.

Let’s start by looking at this from a “mindful consumer” standpoint. Part of being a mindful consumer includes being able to take a step back before making a purchase and asking ourselves why we are so comfortable buying into the idea that we need this product in our lives. Diets are marketing campaigns. That’s it. It’s so simple but it’s worth repeating: diets are marketing campaigns. Atkins, Jenny Craig, Weight Watchers, slow carb, calorie restricting, juice cleanses, intermittent fasting, etc. They address our problems and insecurities and sell us promises to fix them. And I don’t think there’s anything wrong with wanting to feel like your best self. On that note, if you know your weight or your current food choices could be hurting your health, you should absolutely take control of that situation and start figuring out what some healthier options are for you. But the popular “diets” out there are probably not the answer. They don’t address the real issues. In fact, they often create more.

One big problem diets have created is that they ask us to place food into one of two categories: good or bad. When we eat foods from the “good” category, we feel good about ourselves. It is a false measure of self-worth. I can speak to this personally, because I know what I’m about to say next is truer than anything I’ve said about food before. When we eat foods from the “bad” category, we feel ashamed. And when you feel ashamed of your actions, it is way too easy to slip into a cycle of self-loathing and substance abuse.

I’ve never really talked about my struggles with binge eating here before. You might have caught a glimpse inside the story in these two posts (Don’t Treat Yourself, Take Care of Yourself & What Happened When I Tracked My Food Intake for 60 Days). But for the most part, I’ve never mentioned it because I have more shame about my binge eating than I ever did about my debt, my shopping or even my drinking. In The Year of Less, I write that I know a lot of people use shopping as a way to treat themselves. It’s a pick-me-up on a bad day or even a way to celebrate on a good day. I didn’t shop in those moments. Nope. In those moments, I always turned to alcohol and food. And once the alcohol was gone, the only thing I had left was food.

My binges usually involved eating an entire pizza or a bag of peanut butter M&Ms. Sometimes both. I’ve also lied about what I ate, eaten alone in my car, and even hidden food at home or in my desk at work. Being ashamed about my food binges is what caused me to keep them a secret for so long. Shame feeds on secrecy. And my secrets were two-fold: I didn’t want to talk about the things in my life that were causing me to binge on alcohol and food, and I didn’t want to talk about the binges themselves either. I was ashamed of it all. And when you’re ashamed, you live in a cycle of self-loathing and potential substance abuse. After eating the “bad” food, I would tell myself I was a bad person and convince myself I’d be fat forever so I shouldn’t bother attempting to restrict these “bad” foods from my diet. And then I would usually binge at least once a week.

Over the years, I’ve made a number of positive changes to my diet – this time, the word “diet” being used to describe the food I happily choose to eat on a regular basis, not a specific program I am following. I’ve accepted that dairy isn’t great for me and switched to almond milk and other alternative products. I’ve swapped my afternoon coffee/treat with a smoothie (and only have it when I’m genuinely hungry for it). And obviously this past month, I cut meat out. You should note that none of these changes were made overnight. More importantly, though, none of them were made with the hopes that I would lose weight. I made them after listening to my body and paying attention to how things made me feel. So I’ve been on the right track but I would still have the occasional binge on pizza or chocolate or both because I wasn’t addressing the real issues.

The real issues for me were underlying: having a low self-worth, being fairly sensitive to criticism and judgment and pain, and not realizing that I was trying to numb it all. Honestly, I wasn’t even ready to talk about some of these things until I finally started going to therapy this year (and I will now forever advocate the importance of taking control of our mental health alongside our physical health). But one thing I figured out on my own first was that I had to remove the shame about eating “bad” food in order to finally able to stop binging and end this cycle – and I started removing the shame by changing the stories I was telling myself about food.

One of the reasons diets are setup to fail right from the start is because we see the healthier food options as the worser options. We feel like we “have to” eat them or we “should” eat them, and the story we tell ourselves is that we don’t really want to but we will suffer through it. At some point in the past couple of years, I changed the story and started reminding myself how delicious it was and how much better I felt after eating the healthier options. From there, I’ve slowly added cleaner and more whole-food recipes to my regular diet.

The other mindset shift I had to make was that I stopped sorting foods into “good” and “bad” categories – or really, I just stopped feeling like any food was BAD. Is sugar great for you? No. Is pizza great for you? Not really. But once I stopped telling myself it was bad and I was a bad person for eating it, I was actually able to enjoy it occasionally – and I can’t remember the last time I had a genuine binge. When I decide to eat the piece of pizza or the slice of cake, I simply choose to enjoy it <– and that has made all the difference. Instead of eating an entire thing, I now know how to have just a couple pieces and save the rest for another day. I enjoy the amount I eat, chew slower and taste the flavours. I don’t binge and I don’t feel ashamed after. I know I’m not a bad person for eating pizza or chocolate.

Now, I know that in itself won’t work for everyone right off the bat. Sugar is a drug, and even having a little bit can cause a lot of people to binge on more and more of it. But I still stand by what I said about removing the shame about ever eating it at all. Eating sugar doesn’t make you a bad person. And as soon as we can change these thoughts, we can start to change our relationship with all food. In my mind, that is the ultimate goal. Forget about diets. In an interview with Nicole Antoinette, Anna Guest-Jelley reminds us that if diets worked, the industry wouldn’t exist because everyone would be their ideal weight and size. So, forget about them. Instead, let’s change our relationship with food. Let’s fall in love with the food that makes us feel like our best selves, taste the flavours of the things we enjoy and stop shaming ourselves for eating anything that is so-called “bad”.

So to answer the question again, no, I wasn’t on a diet this month. The slow food experiment wasn’t a diet, and you’ll never hear me say I’m on a diet because I am anti-diet. Diets are marketing campaigns created to sell products. They promise they’ll fix our problems and insecurities, but they don’t address the real issues. The real issues will be personal for everyone, but I think it’s safe to say that changing our relationship with food and the stories we tell ourselves about it are part of a lasting solution. That’s not a diet. That’s an act of self-care.

Experiment #6: Slow Food

  • Eat mostly* home-cooked meals – done!
  • *Eat out max. once/week at restaurants that use locally-sourced ingredients – usually ate out twice/week
  • Swap out some ingredients for stuff that can be sourced in Squamish or BC – done!
  • Switch back to a vegetarian diet – done! minus eating fish tacos around my birthday
  • Eat slowly – done!

I want to add that a lot of what I’ve been practicing over these past couple of years could be described as mindful eating (or “intuitive” eating). There are some great blog posts and books on the subject, with ideas and guidelines written by dieticians, nutritions and doctors who are far more qualified to write about this than I am. And like I said before, if you struggle with binge eating or are worried about your health, I will forever advocate the importance of dealing with both your mental health and physical health.

The only things I can speak to are my experiences, and my experience shows me that my own binge eating was a result of not treating underlying issues and feeling ashamed about my food choices. Removing the shame and changing the stories I told myself about food are two of the ways I’ve been able to develop a healthier relationship with it – and with myself.

That is the goal. <3


Extra Reading


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