Managing Your Debt Situation During Recession

During these troubled times, the common problem faced by all is debt. Even smart and efficient people are neck-deep in debt. However, many take it in their stride and think that it is part of life and they can do nothing to stop it. This is not true. If you try hard, you can get out of debt and even start saving or at least restrict the debt situation from getting worse. Once you tide over your debt problems, you only need to watch your budget not to let yourself get into a similar situation again. To clear the debts and make the slate clean, there are few simple steps.


Take a good detailed look at your spending. Look where bulk of your expense goes. It may not be done in one go. Expenses that look inconsequential like eating out for lunch everyday at work add up to a substantial amount by the end of the month. There may be many expenses that are not beneficial. Stop these spending or at least restrict them. This will help you save some money.

Do not buy unnecessary things. Many people do this for many reasons. One is that shopping makes them happy. They shop when they are depressed. If you are among this set of people, find some other way to fight depression. When you buy unnecessary things using credit cards, you are getting deeper and deeper into the debt trap. When you take loans to buy things that are not absolutely necessary, again the situation will get from bad to worse. You should make sure that you are saving at least 12% of your income. Put this money into a safe savings option, which will help you out during emergencies.

People spend unbelievably high percentage of their income for eating out. Take a look at the monthly expenditure for eating out. Many do this, as they are too lazy to do grocery shopping and cook at home. By eating out you are not only draining your purse, but also ruining your health. You can save on hospital bills by cutting down on the restaurant bill. Stopping this will give you so many advantages. So what are you waiting for?

Initially, you may find it difficult to curtail your lavish lifestyle. Command all your willpower to follow these rules. This will get you out of your debts and you will even end up with a nice saving. The icing on the cake will be your improved health. If you are in debt, there is no need to despair. You can turn it around and get your finances back on track.

Unconscious Eating and Your Diet

Unconscious eating is one of the biggest problems related to dieting today. It can be defined as a time when you are eating without really realizing it. The reason this wreaks havoc on your diet is because all of these calories you are unaware of will add up to pounds on the scale over time. Unless you take measures to control your unconscious eating your diet is going to suffer.
There are many different types of unconscious eaters out there. Identifying which type you are will really help you monitor this problem and will making sticking to your diet much easier. No one likes feeling like they are on a diet, especially when they aren’t achieving the results they desire. By eliminating the problem of unconscious eating you can also eliminate the time you spend on your diet.

The first type of unconscious eater is the ‘Hurried’ eater. This is a person who is always in a rush running around. Often they are just grabbing whatever they can get their hands on to provide them with the fuel to get through the day, regardless of what it does to their diet. Without giving a second thought to the nutritional content it is no wonder why these people struggle to lose weight and see success. These eaters often eat standing up or in the car as they can never seem to find time to sit down to a proper meal that is more in accordance with their diet. To remedy this situation, try and make an effort to plan meals into your day. They don’t have to be long breaks but enough to sit down and realize what you are eating.

The second type of eater is the ‘No-Refusal’ eater. This is a person who cannot seem to turn down food when offered. For example, they walk by a candy jar in their office and a few pieces go into their mouth or if a friend offers them cookies while they are over having coffee they cannot muster the strength to say no. This type of person feels an obligation to eat whenever they see food. This could actually be the result of being on a diet so long that they feel that food is rare to come by. After being deprived so long of food they want to eat they can now no longer turn it down if it is within their presence. If you find characteristics of yourself in this type of eater you are best avoiding the dieting mind-frame all together and trying to regulate portion sizes instead. This way you will not feel restricted in what you can eat so long as you keep the portion controlled. You will then be less likely to overeat since you know you can have it any time. A diet’s success virtually boils down to calories consumed verses calories expended so as long as this is in check, you should have no problem seeing results.

The third type of unconscious eater is the ‘Waste-Not’ eater. This is the person who feels very bad any time they are throwing food away. Rather then disposing of it they simply choose to eat it so it does not go to waste. This again is troublesome for a diet as it means an abundance of calories translating into weight gain. To combat this dieting downfall make sure you always cook food according to portion specifications. That will reduce the chance that you will have some left over tempting you to destroy your diet with.

The final type of eater is the ‘Emotional’ eater. This is an eater who uses food to either satisfy an emotional void they are feeling or who eats when they are feeling extreme emotions such as happiness, fear or sadness. Either way they are more than likely consuming foods that are not on their diet list and are therefore derailing their progress. The key to getting past this problem is learning to identify what emotion you are feeling and try and find more constructive ways of dealing with it that won’t harm your diet. This is probably one of the hardest types of unconscious eating to overcome however as this behaviour may have been ingrained since childhood (think back to when you were little and were rewarded with food treats). However, with work and patience it can be overcome.

Unconscious eating is something that many people struggle with on a daily basis. Not only does it make dieting harder but it can also damage your self-esteem and make you feel out of control. Taking necessary steps to identify the problem and implementing action in order to combat it is essential if you hope to see results from your dieting efforts.