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successSome people start each day with an early morning jog. Others begin with a cup of coffee and a donut.

“Everyone knows that people are creatures of habit,” says wellness expert Scott Morofsky, author of the books “The Daily Breath: Transform Your Life One Breath at a Time” and “Wellativity: In-Powering Wellness Through Communication” www.Wellativity.com.

“But too often, the habits we nurture are laziness, procrastination, self-serving biases, justification and rationalization.”

Such behaviors put people on a path to destruction, all the while making them look forward to the trip, he says. In the process, they are robbed of essential happiness and joy.

The trick to improving isn’t just by ridding yourself of habits, he says, but by replacing the bad ones with good ones.

“I really believe people can use practical methods to reprogram themselves for life-enriching habits and overcome any affliction they suffer from,” Morofsky says. “After all, we all know the things that hurt us and we know that we shouldn’t be doing those things. So why don’t we stop? Because we don’t know how to go about making these changes happen.”

For Morofsky, the key is for people to become conscious of something they take for granted – breathing. By conditioning yourself to improve the quality of your breathing, you do a better job of taking in oxygen. A lack of sufficient oxygen in our cells is known to contribute to many health issues, he says.

“The important thing to remember is you don’t need...

Read more: How to Reprogram Yourself for Success In 2016

successSome people start each day with an early morning jog. Others begin with a cup of coffee and a donut.

“Everyone knows that people are creatures of habit,” says wellness expert Scott Morofsky, author of the books “The Daily Breath: Transform Your Life One Breath at a Time” and “Wellativity: In-Powering Wellness Through Communication” www.Wellativity.com.

“But too often, the habits we nurture are laziness, procrastination, self-serving biases, justification and rationalization.”

Such behaviors put people on a path to destruction, all the while making them look forward to the trip, he says. In the process, they are robbed of essential happiness and joy.

The trick to improving isn’t just by ridding yourself of habits, he says, but by replacing the bad ones with good ones.

“I really believe people can use practical methods to reprogram themselves for life-enriching habits and overcome any affliction they suffer from,” Morofsky says. “After all, we all know the things that hurt us and we know that we shouldn’t be doing those things. So why don’t we stop? Because we don’t know how to go about making these changes happen.”

For Morofsky, the key is for people to become conscious of something they take for granted – breathing. By conditioning yourself to improve the quality of your breathing, you do a better job of taking in oxygen. A lack of sufficient oxygen in our cells is known to contribute to many health issues, he says.

“The important thing to remember is you don’t need...

Read more: How to Reprogram Yourself for Success In 2016

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xyWhile millions of shoppers are expected to descend upon shopping centers and malls across the country hoping to cash in on post-Thanksgiving savings, some are deciding to stay home and avoid spending. Half of the respondents to the most recent National Foundation for Credit Counseling® (NFCC®) online poll revealed that they plan to reduce holiday spending because they are financially worse-off than the year before.

“Reducing spending may be helpful, but careful planning and preparation can make those dollars go even farther,” says Bruce McClary, spokesman for the NFCC. “It’s not too late to start finding ways to save this year and in the year ahead.”

The NFCC recommends that holiday shoppers use the following steps before the spending begins:

Review Savings

Experts agree that the use of a dedicated savings account can help avoid holiday debt hangovers in the year ahead. Before anything else, it’s time to see if there is enough room in savings to cover all of the expenses. Having enough cash to avoid using credit cards is good reason to celebrate. If savings are short, the next steps are very important.

Calculate Debt Ratios

If planning to use credit, it’s always best to look at the big picture before setting foot in the store or going online. A good indicator of financial health is the debt to income ratio. This is how to determine if there is room to save and spend, or if it’s time to put the budget on a leaner diet....

Read more: Four Steps Everyone Should Take Before Holiday Shopping Begins

Have a comment on this article? Share on Facebook!

xyWhile millions of shoppers are expected to descend upon shopping centers and malls across the country hoping to cash in on post-Thanksgiving savings, some are deciding to stay home and avoid spending. Half of the respondents to the most recent National Foundation for Credit Counseling® (NFCC®) online poll revealed that they plan to reduce holiday spending because they are financially worse-off than the year before.

“Reducing spending may be helpful, but careful planning and preparation can make those dollars go even farther,” says Bruce McClary, spokesman for the NFCC. “It’s not too late to start finding ways to save this year and in the year ahead.”

The NFCC recommends that holiday shoppers use the following steps before the spending begins:

Review Savings

Experts agree that the use of a dedicated savings account can help avoid holiday debt hangovers in the year ahead. Before anything else, it’s time to see if there is enough room in savings to cover all of the expenses. Having enough cash to avoid using credit cards is good reason to celebrate. If savings are short, the next steps are very important.

Calculate Debt Ratios

If planning to use credit, it’s always best to look at the big picture before setting foot in the store or going online. A good indicator of financial health is the debt to income ratio. This is how to determine if there is room to save and spend, or if it’s time to put the budget on a leaner diet....

Read more: Four Steps Everyone Should Take Before Holiday Shopping Begins

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