How many New Year’s have you resolved to lose weight, quit smoking, spend less, or exercise more? Research shows that most people make the same resolution for at least five years before they achieve even six months of success. While about 40 percent managed to continue for six months, over a quarter of all resolutions are abandoned within the first week.
People make the same resolution an average of ten times and even all these failures don’t reduce future plans for self-change. Over 60 percent make the same resolution year after year. As you might suspect, behaviors with an addictive quality are the most difficult to change. Relapse rates for these behaviors are extremely high (around 50 percent to 95 percent).
The main reason for failure is having very unrealistic expectations. Like the children in Garrison Keillor’s fictional Lake Wobegon, we all believe we are “above average.” People routinely overestimate their abilities, including the amount and rate of self-change they can achieve. In one study 60 percent of adolescents and 47 percent of adults believed that they could smoke for “just a few years” and then easily quit. Self-change is just much harder and takes much longer than most of us realize.
Also we tend to greatly overestimate the benefits obtained from the change. For example, many overweight people believe in what has been called “the power of thinness.” Not only will you lose weight, but you will also be vastly more attractive, popular, successful, and of course happy. The Duchess of Windsor once said that a woman can never be too rich or too thin and today popular culture icons have carried this shallow ideology to the extreme. While such anticipated benefits can motivate future attempts at change, when they are not immediately forthcoming, people are deeply discouraged.
Anther cause for failure is that many people frame their goals negatively — don’t overeat, don’t gamble, don’t drink, don’t spend, etc. Each individual breach of the prohibition is seen as another failure, which can rapidly lead to a total collapse of the change effort. You have a much better chance reaching your goals if they are couched in positive terms over a longer term.
When asked why they didn’t succeed, people usually misinterpret their failures. Typically they blame external factors like, “I was on the wrong diet” or “It just wasn’t a good time to start.” They also blame themselves for lack of will power. They believe minor adjustments can lead to success the next time-like picking a better diet or just trying harder. Since most individuals try to do way too much, it is important to redefine success in terms of modest and realistic goals.
Another major factor contributing to self-change failure is that most people are not at the stage where they are really ready to change. Dr. James O. Prochaska from the University of Rhode Island has worked decades researching self-change and has identified five basic stages:
1. Precontemplation: You have no intention to change your behavior in the foreseeable future. People in this stage lack awareness even about the need to change. They may, however, “wish” to change and often make resolutions without any plans whatsoever.
2. Contemplation: You are aware that a problem exists and are seriously thinking about changing, but have not made a commitment to action. People often get stuck in this stage.
3. Preparation: You make up your mind and start planning. You intend to take action in the next month and have a definite plan in mind.
4. Action: You actually modify your behavior, experiences, or environment in order to achieve self-change.
5. Maintenance: This where you work to prevent relapse. Most people do not maintain their gains on their first attempt. With smoking, successful quitters made three to four attempts before they achieved long-term success. Most of us move through these stages in a spiral pattern. Typically we progress from contemplation to preparation to action to maintenance, and then relapse. During relapse, we often return to an earlier stage. However, each time we recycle, we learn from our mistakes and can try something different the next time around.
So this year if you really want to change, level with yourself and decide what stage you are at, then select some modest goal that can help you progress to the next stage.
For example, if you are still in the precontemplation stage, don’t try make some large impossible change. Instead commit to becoming more aware of the problem and how it affects you and your environment. Read about it, talk to others (friends, family and professionals), see films and try to fully experience and express your feelings regarding the issue.
If you are in the contemplation stage consider making a careful and comprehensive written cost-benefit analysis of the problem, listing all the pros and cons. Fully assess how and what you think and feel about the problem. What needs does it meet, are these needs still relevant, and are there other ways to meet them?
If you are in the preparation stage, this is the time for a resolution. Candid discussions with others, self- help groups, and counseling can help you decide and commit to a course of action in this stage.
Finally in the action and maintenance stages, you can benefit most from acquiring techniques to facilitate change, such as establishing self-rewards and learning how to relax or be more assertive. Developing alternatives for problem behaviors, finding sources of social support, and avoiding situations that lead to problem behaviors are other important strategies than you can learn more about through reading, counseling, or attending self-help groups.
So this year don’t set yourself up for failure. Know your readiness to change and strive to make those small achievable steps that lead to success.
Based on a Column that appeared in the Southern Indiana News Tribune
Don’t Cook Your own Financial Goose this Christmas
17 DecLike many of us I have a love-hate relationship with my credit cards. On one hand they are convenient and easy to use, especially for online shopping. Of course, that is part of the problem. They are way too easy touse. According to money guru David Ramsey if you use credit cards instead of cash, you end up spending 12 to 18 percent more. Swiping a card is just not as traumatic as forking over the actual cash. During the next few weeks the first of the holiday credit card bills will come rolling in for millions of Americans. Some people call this the real “Nightmare After Christmas”. Holiday credit card purchases havegrown 50 percent over the past several years and continues togrow every holiday season. The mortgage crunch, increased minimum payments and recent bankruptcy laws may make things even more treacherous than ever. Bill Staler, a vice president at Consumer Credit Counseling Services has said that their workload increases by 15 percent in the quarter following the winter holidays. Staler says that many people in recent years have found it more difficult to use mortgage refinancing to pay off credit cards due to more stringent loan requirements and the decreases in home equity. A 2004 survey showed that 73 percent of Americans believe that money is the top all time stressor and Dr. Harvey Brenner from Johns Hopkins University has written that economic instability is “the single most pervasive and continuous source of stress in our society.”
Psychologist Dr. Lynn Hornyak, who specializes in money issues finds that overspending and avoiding money issues are the two most common problems. Are there times when just can’t stand to open a bill or look at a bank statement? To me balancing a checkbook ranks just behind having a tooth pulled on my list of favorite activities. Money also has great symbolic significance. It may represent a way of keeping score in life or serve as a substitute for love and affection. The psychological significance of money can be seen by the reluctance of people to even discuss it. Many people would sooner discuss their children, relationships, or even sex lives, rather than their bankbooks. There are also some important gender differences. Women often see money as a means to maintain security. For men it may represent power and substitute for physical appeal in attracting partners. For many people money represents freedom of action and a lack of money may prevent us from making much-needed changes. Unfortunately it is not uncommon for people to stay in unsatisfying and even abusive relationships for the sake of financial security.
In their fantastic book “The Financial Wisdom of the Ebenezer Scrooge,” psychologists Ted and Brad Klontz and financial planner Rick Kahler identify the underlying culprit in most money conflicts as the “money scripts”
we internalized as we grow up. Using Charles Dickens’ “A Christmas Carol” as a metaphor for how to transform your relationship with money, they show how Scrooge displays a variety of maladaptive money scripts. Money scripts are especially powerful because they are largely unconscious. They also tend to run in families. Family therapy authority Cloe Madanes has said that different family styles in gift giving and unresolved sibling rivalries are often the key factors in pathological overspending. Some of Ebenezer Scrooge’s self-defeating money scripts included: Don’t trust anyone with your money, don’t spend money on yourself, giving to the poor encourages laziness, money will give your life meaning, and if you had more money, things would be better.
Interestingly enough, Bob Cratchit doesn’t come off much better. Bob also has his own destructive money scripts such as: There will never be enough money, money is to be spent not saved, you’ll be paid what you’re worth, and you don’t deserve money. The authors question why Bob doesn’t quit defending Scrooge and just get a better job. Also they contend that Bob should have gotten Tiny Tim the medical care he needed instead impulsively blowing his meager resources on a Christmas goose. This extravagance is often left out of film and stage versions of the work. It is estimated that today the Cratchit’s Christmas dinner would have cost well over $500.
Stawar family money scripts often made reference to the “poor house” My father, who grew up in the Great Depression, viewed money as security. He was constantly saying that we were driving him to the poor houseby leaving on the lights, turning up the thermometer, or taking showers that lasted too long. This script was well entrenched in me. When I left home for college I sold an old car and received a crisp new$100 bill for it. Feeling insecure about being away for the first time, I kept the hundred literally in my shoe for over two years. Sometimes when I act anxious about money, my wife Diane says, “Would you feel better if you had a hundred dollar bill tucked in your shoe?” Unfortunately the answer is often “yes.” And even now whenever I hear the furnace running, I still feel a pang of anxiety.According to the Klontzs and Kahler being able to adaptively “rescript” is the key to developing a more functional financial life script.
There are other things you can do to help both now and in the future. Florida psychologist Cheryl Fellows has said that due to financial stress, people often feel insecure and out of control after the holidays. She recommends that you try helping others and connect with family and friends to shore up your self worth and security. Additionally many people need to take some practical steps. The following suggestions come from a variety of expert sources.
Based on a column that appeared in the Southern Indiana News Tribune
Tags: A Christmas Carol, Bob Cratchit, Christmas, Christmas Spending, Cjarles Dickens, Credit Cards, debt relief, Money Script, Poor House, Scrooge