Yes, Habit Tracking Actually Works! THE EASY WAY TO STAY MOTIVATED
Back in the 1980s and ’90s, almost every sports movie included a training montage — and no montage was complete without a giant paper calendar hanging on the hero’s wall. As time ticked by and the big game or contest approached, the hero crossed the days out one by one. Each square was a success, and it was another day of training down! It sounds silly, but according to habit expert and “Atomic Habits” author James Clear, that giant calendar isn’t just movie magic. It actually works! For some people, tracking their habits — literally writing down their successes and failures in order to keep a record — is an effective way to build and stick with new routines, like New Year’s resolutions.
behavior “obvious, attractive, and satisfying.” Tracking our habits in a visible place (like a calendar on the wall) reminds us to keep our “streak” of good behavior alive and holds us accountable if we mess up. It also just feels good to cross a square off of the calendar. “The most effective form of motivation is progress,” Clear explains. “When we get a signal that we are moving forward, we become more motivated to continue down that path. In this way, habit tracking can have an additive effect on motivation. Every small win feeds your desire.” You don’t need to use a ’90s calendar to track your habits in 2022. Instead, Clear recommends leveraging technology to make tracking as easy as possible. If you want to build better spending habits, put your credit
card statements (which track your spending automatically) front and center. If you want to take more steps each day, buy a Fitbit so you don’t have to count them. That said, if you go the pen-and-paper route — or prefer an Excel spreadsheet — Clear suggests tracking your habit immediately after you finish it. That way, you’ll associate your positive behavior with the rush of satisfaction you get from checking a day off the calendar. To learn more about Clear’s methods and download his free Habit Tracker Template, visit AtomicHabits.com/tracker.
In his book, Clear writes that habit tracking works because it makes a particular
THE IMPORTANCE OF UIM INSURANCE REVEALED Cover Yourself Because Others Won’t
Picture this scenario: You’re driving in your car on the way to work, and unexpectedly another vehicle T-bones you at an intersection. The other driver is unharmed, but you have suffered an injury. Here’s the kicker: It turns out that the at-fault driver didn’t have any vehicle insurance at all or had significantly less liability insurance than your uninsured/underinsured motorist policy coverage. Now what? In most cases, the driver who was responsible for the car accident has insurance to cover the cost of injuries, medical bills, lost earnings and emotional distress damages. However, if the at-fault driver does not carry insurance or doesn’t have enough insurance, you may be left with little to no funds to help with your medical bills, lost earnings and pain and suffering after a collision.
your expenses and damages if the person responsible for an accident — whether it be an auto, bicycle, or pedestrian accident does not have enough or any insurance. Simply put, minimum liability coverages are usually not sufficient to cover all of the damages that result from severe vehicle accidents. It’s important to remember that the cost to raise your uninsured/underinsured limits is minimal. I recently inquired with my own insurance company about the price difference to switch from a lower coverage to a higher coverage, and the cost difference was an increase of about $50 for the entire year! Spending this extra $50 means a WORLD of difference when it comes to covering potential medical bills and damages that could incur from an accident.
lack of assets. Ensuring that you are covered, especially when others aren’t, is paramount! Don’t ever wind up being stuck with a large sum of bills or being able to collect your losses from an accident that you didn’t cause! The best way to protect you and your family is to have a high limit for uninsured/ underinsured insurance. If you or a loved one needs advice or has any questions regarding uninsured/underinsured and liability insurance, contact your insurance broker or us today! We are ready to help!
That’s why uninsured/underinsured motorist coverage exists! It will help cover
Oftentimes, individuals may be hesitant to invest in their liability insurance due to a
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