Why is it important to change the habit of emotional eating? This habit leads to significant eating disorders, which in turn leads to overweight and obesity. Problems for which there is sufficient scientific evidence, of all their consequences for health, such as increased risk of cardiovascular diseases, diabetes, joint problems and some cancers.

Therefore, changing this habit is important, to avoid the negative effects that it can generate on your health.

How to stop eating emotionally?

The goal is to change the habit of Emotional Eating for a healthier one.

Therefore, to achieve this you must have a method and follow it step by step.

Describe specifically the goal you want to achieve

The first thing you must be very clear about is what you want to achieve and for this you must write in detail the goal to which you are going to commit. You could describe it as: “stop eating every so often”, but this is still very unspecific. A good description of your goal could be:

“During the workday, stop eating cupcakes with soda, every time I feel stressed.”

In this post, you will find information on how to set goals for quitting a habit.

Identify the emotion that drives you to eat

In this step you must consciously identify what you feel before starting to eat, it could be anxiety, blaming yourself for something, anger, boredom. When you identify the stimulus that drives you to eat, you must be very attentive, to act immediately you feel that emotion and thus avoid eating to calm it down.

It may take a few days to identify the emotion-stimulus

However, I am sure that you will achieve it by being very attentive, observing yourself without judging yourself and writing what you feel, before, during and after eating, to calm an emotion. When you do, you will have already taken a big step. Here, this publication will be very useful, about living here and now, to change habits more easily.

Discover and avoid context memory

In addition to the stimulus, you must identify the factors in your environment, which remind you of the habit you want to change, they could be people, places, situations, objects, which remind you to eat.

This can also take some time and the key here is to observe yourself and write it very consciously.

When you identify them, establish in writing the tactics to avoid them. For example, it may happen that, when passing a certain place, it reminds you of your eating routine. Therefore, try to avoid this site in your journeys.

Select a new routine to replace eating

You have already identified the emotion that prompts you to eat to calm it down and the context memory that reminds you to eat. Now you must choose a routine for which you are going to change eating when you feel that emotion.

It could be: drinking water, going for a walk, doing a short meditation, drawing, singing a song you like, calling a friend, playing an instrument, doing a short yoga routine, looking at photos that remind you of pleasant situations.…

You are therefore in a strong position to negotiate your auto loan if you rely on this competitive market. Dealer, banking institutions, credit organizations, online collaborative credit platforms carry out simulations and request quotes, in order to present them to the various players involved and find the best loan rate. In this case the title loans will come to great use.

Compare the different credit offers to play against the competition

In order to get the best rate for your car loan, putting the various proposals obtained in competition is a technique that works:

  • Financial organizations, in particular banking establishments, do not appreciate their consumers signing elsewhere.
  • Therefore, do not hesitate to make requests to various establishments.
  • If a credit institution submits a more interesting offer to you than your usual banking institution, contact the latter to ask it to make a better credit offer or to align itself… it will make a gesture, if it has the possibility.

To best assess the different proposals received, compare them taking into account the TEG (overall effective interest rate), which includes the administration costs – which generally increase when the interest rate decreases but also the stamp costs. as well as the borrower insurance rate.

In your negotiations with car dealers, an important argument to bear in mind is the discount on the car, which is often very interesting: in fact, in the face of competition, dealers may have to reduce interest rates by consistent manner.

Make a personal contribution to obtain better interest rates

All establishments will offer you 100% financing for the purchase of your automobile. Nevertheless, it is better to have a personal contribution equivalent to 10% or 20% of its purchase price.

A personal contribution will allow you to have a better interest rate from your lender. Note that depending on your financial situation, it is however quite possible to take out a loan without personal contribution and obtain a competitive rate.

In addition, the repayment period of your credit is automatically reduced: the final cost of purchasing the automobile which is the amount of the loan to which is added the interest will then be lower.

Change the repayment term to reduce the total cost of borrowing

The loan term most often offered ranges from one to five years (sometimes even longer).

By reasonably calculating your monthly repayment capacity , based on your income, establish with your advisor the shortest repayment schedule possible. The shorter the period, the lower the total cost of borrowing.

In addition, interest rates for twelve to twenty-four month loans are often the lowest. Advantageous rates are also offered from time to time by credit institutions for short-term loans.

Namely: a new car is an asset that quickly loses value. Insurers halve the value of a vehicle over three years old.

On a short-term commitment, you will then have the option of not having to subscribe to the so-called “replacement value” guarantee of your credit insurance contract, which will allow you to significantly reduce the cost.…