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Quick Wins Are Empowering

I walked up to the front desk and asked, “I have some questions about my account, can I speak to a manager?”. I was at the gym, and my plan was to ask about why they charged a $30 fee, and a mailing I got saying they offered a $7 membership. I wanted to see if there was leverage in negotiating a waiver of the $30 or my membership fee ($15) down.

The manager explained that the $30 fee was a yearly fee and that the $7 membership is a special membership that allowed you to only go 3 times a week. So, I didn’t get a negotiation win from that —

If you know me, I’m a big fan of Ramit Sethi and one of his main financial teachings is to have you negotiate a lot throughout the course of your life. When I first read his material I immediately agreed with his advice, but the thought of negotiating things seemed weird and out of the norm. I mean, I’m Chinese so I naturally inherited a lot of my Mom’s skills, but I didn’t know how to apply these skills outside of flea shops or Craigslist.

But since for the past year I’ve been playing the credit card signup bonus game, and incurred credit card fees and bank fees, I’ve made many attempts at applying Ramit’s negotiation techniques. His blog posts basically walk you through each step, and by following it, I’ve experienced how easy it is to win at these things. For example, I lost track of my Amex card and didn’t realize I didn’t pay the card for 3 months. This resulted in late fees of over $100. But Amex’s customer service is so good, all I had to do was call in and ask for them to be waived, and they did. When you experience wins like that, success can be addictive.

Triggers for Automated Habits

On Tynan

I've had a few friends who've gone through quitting smoking. The hard part, they say, is that certain things trigger wanting to smoke. Stressful situation? Time to smoke. Driving a car? Time to smoke. Drinking at a bar? Time to smoke. The reason that bad habits are so hard to quit is that we have these many triggers that start us down that path almost automatically. A compulsive eater might get into a stressful situation and have a hamburger halfway into their face before they even consciously think about whether or not they should be eating.

The silver lining of this nuance of human nature is that we can also harness triggers to create positive habits. Just as bad habits are so hard to break because of our triggers, good habits can be made resilient using the same mechanism. And just as bad habits are built slowly and incrementally, so are good habits.

I meditate for five minutes every day. As soon as I wake up, I grab my phone and press the start button on a five minute meditation timer. Waking up is my trigger. At first I had to remind myself to do the meditation every morning, but now I do it almost automatically. It would feel strange not to meditate. Just as a veteran smoker is likely to have a harder time quitting than a new smoker, the longer I keep my meditation habit, the easier it becomes to maintain.

There are two main types of triggers: contextual triggers and constant triggers. Waking up is a constant trigger, since I do it every single day and want to meditate every day. A contextual trigger is something that happens at an inconsistent frequency. For me, feeling tired during the day is a contextual trigger. Whenever that happens, I drink a glass of water, because I've found that sometimes I'm just dehydrated and not actually tired.

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