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	<title>Comments on: The Stumble</title>
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	<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/</link>
	<description>Financial talk for the rest of us</description>
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		<title>By: Kevin@OutOfYourRut</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-803392</link>
		<dc:creator>Kevin@OutOfYourRut</dc:creator>
		<pubDate>Wed, 04 Nov 2009 20:30:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-803392</guid>
		<description><![CDATA[I think it&#039;s the humaness in all of us with each of these breakdowns.  They&#039;re inevitable because we aren&#039;t perfect!  The cause isn&#039;t always something wrong inside--we live in a world that&#039;s constantly, relentlessly pulling us in other directions, many of them &quot;easy&quot; or otherwise enticing. 

The solution is having the ability to get back up and get on track after falling off. The discipline part isn&#039;t necessarily avoiding distraction, but the ability to correct our course.  Distractions are bound to happen, and sometimes we&#039;ll fall into them--all it takes is the right (or wrong)combination of circumstances...then we need to get back up.

Very insightful post, and follow up comments!]]></description>
		<content:encoded><![CDATA[<p>I think it&#8217;s the humaness in all of us with each of these breakdowns.  They&#8217;re inevitable because we aren&#8217;t perfect!  The cause isn&#8217;t always something wrong inside&#8211;we live in a world that&#8217;s constantly, relentlessly pulling us in other directions, many of them &#8220;easy&#8221; or otherwise enticing. </p>
<p>The solution is having the ability to get back up and get on track after falling off. The discipline part isn&#8217;t necessarily avoiding distraction, but the ability to correct our course.  Distractions are bound to happen, and sometimes we&#8217;ll fall into them&#8211;all it takes is the right (or wrong)combination of circumstances&#8230;then we need to get back up.</p>
<p>Very insightful post, and follow up comments!</p>
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		<title>By: John S</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-802650</link>
		<dc:creator>John S</dc:creator>
		<pubDate>Tue, 03 Nov 2009 19:58:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-802650</guid>
		<description><![CDATA[Great post, Trent; this really resonates with me.  I suspect that such cyclical behaviour is nearly universal.  We all recognize room for improvement in our lives, and we all have bad habits that impede this change.  It&#039;s part of the human condition.]]></description>
		<content:encoded><![CDATA[<p>Great post, Trent; this really resonates with me.  I suspect that such cyclical behaviour is nearly universal.  We all recognize room for improvement in our lives, and we all have bad habits that impede this change.  It&#8217;s part of the human condition.</p>
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		<title>By: Bavaria</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-802524</link>
		<dc:creator>Bavaria</dc:creator>
		<pubDate>Tue, 03 Nov 2009 16:00:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-802524</guid>
		<description><![CDATA[Every moment is a new start.]]></description>
		<content:encoded><![CDATA[<p>Every moment is a new start.</p>
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		<title>By: Angela</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-802512</link>
		<dc:creator>Angela</dc:creator>
		<pubDate>Tue, 03 Nov 2009 15:38:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-802512</guid>
		<description><![CDATA[How you think about the stumble is important too. You touched on this under Self-destructiveness. If you feel like you have completely failed and you can&#039;t do anything right and you&#039;ll never meet your goal... then chances are that you won&#039;t succeed.  But if you recognize a stumble as just a stumble, a temporary fixable setback, then it&#039;s possible to move forward and get back on track.

I just finished the book &#039;Learned Optimism&#039; by Martin Seligman. It outlines the benefits of optimism for success and provides tools for moving from pessimistic thinking to optimistic thinking.  It&#039;s a good read and could have implications in financial decision-making and management.]]></description>
		<content:encoded><![CDATA[<p>How you think about the stumble is important too. You touched on this under Self-destructiveness. If you feel like you have completely failed and you can&#8217;t do anything right and you&#8217;ll never meet your goal&#8230; then chances are that you won&#8217;t succeed.  But if you recognize a stumble as just a stumble, a temporary fixable setback, then it&#8217;s possible to move forward and get back on track.</p>
<p>I just finished the book &#8216;Learned Optimism&#8217; by Martin Seligman. It outlines the benefits of optimism for success and provides tools for moving from pessimistic thinking to optimistic thinking.  It&#8217;s a good read and could have implications in financial decision-making and management.</p>
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		<title>By: Russ</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-802464</link>
		<dc:creator>Russ</dc:creator>
		<pubDate>Tue, 03 Nov 2009 13:56:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-802464</guid>
		<description><![CDATA[I think all four of these points collapse down into one basic underlying principle - you have to change your habits. An example often mentioned on this blog is changing your route to work to avoid the coffee-house/bookshop. When you stumble, identify the habit that lead to it, and work to change it. 

Long walks were also a feature of my summer, and I stuck to it by making it a habit to get off the train 4 miles away from my destination. I&#039;ve recently cut down my beer consumption by noticing that I most often bought beer when stopping off at the supermarket on the way home in the evening - now I make sure I go shopping on a Sunday morning (when beer isn&#039;t an impulse buy) and never pop in on the way home any more. I few years ago I lost a ton of weight by following a well-planned fortnightly eating routine, and the weight stayed off until I moved house and broke the routine.

The easiest way to habitualise your behaviour is to fit it in with your normal day. In order to walk, I don&#039;t need to change my route, I just need to get off the train early.]]></description>
		<content:encoded><![CDATA[<p>I think all four of these points collapse down into one basic underlying principle &#8211; you have to change your habits. An example often mentioned on this blog is changing your route to work to avoid the coffee-house/bookshop. When you stumble, identify the habit that lead to it, and work to change it. </p>
<p>Long walks were also a feature of my summer, and I stuck to it by making it a habit to get off the train 4 miles away from my destination. I&#8217;ve recently cut down my beer consumption by noticing that I most often bought beer when stopping off at the supermarket on the way home in the evening &#8211; now I make sure I go shopping on a Sunday morning (when beer isn&#8217;t an impulse buy) and never pop in on the way home any more. I few years ago I lost a ton of weight by following a well-planned fortnightly eating routine, and the weight stayed off until I moved house and broke the routine.</p>
<p>The easiest way to habitualise your behaviour is to fit it in with your normal day. In order to walk, I don&#8217;t need to change my route, I just need to get off the train early.</p>
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		<title>By: K</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-802449</link>
		<dc:creator>K</dc:creator>
		<pubDate>Tue, 03 Nov 2009 13:31:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-802449</guid>
		<description><![CDATA[I like what others above said - it seems to echo my own feelings that a stumble doesn&#039;t necessarily reveal a fatal flaw - it just reveals that we are human and need to be flexible and adjust our plans.  

I really like the Kaizen philosophy for making big behavioral changes.  The idea is that you make a small change first, and focus on that one change.  After you have achieved success focusing on that small area, you can add another small change, and another.  The success breeds positive energy that rolls right into additional change.]]></description>
		<content:encoded><![CDATA[<p>I like what others above said &#8211; it seems to echo my own feelings that a stumble doesn&#8217;t necessarily reveal a fatal flaw &#8211; it just reveals that we are human and need to be flexible and adjust our plans.  </p>
<p>I really like the Kaizen philosophy for making big behavioral changes.  The idea is that you make a small change first, and focus on that one change.  After you have achieved success focusing on that small area, you can add another small change, and another.  The success breeds positive energy that rolls right into additional change.</p>
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		<title>By: John DeFlumeri Jr</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-802227</link>
		<dc:creator>John DeFlumeri Jr</dc:creator>
		<pubDate>Tue, 03 Nov 2009 04:36:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-802227</guid>
		<description><![CDATA[Stumbling and stumbling to finally get things right.]]></description>
		<content:encoded><![CDATA[<p>Stumbling and stumbling to finally get things right.</p>
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		<title>By: Marsha</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-802113</link>
		<dc:creator>Marsha</dc:creator>
		<pubDate>Mon, 02 Nov 2009 23:38:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-802113</guid>
		<description><![CDATA[I agree that better planning and preparation can help avoid stumbling, but I disagree that a stumble means there was a &quot;fatal flaw&quot; in the plan.  We are human beings and by definition we are not perfect.  Hence, we stumble.

Besides, chaos theory (as I understand it) means that we are always drifting from organization to disorganization...and vice versa.]]></description>
		<content:encoded><![CDATA[<p>I agree that better planning and preparation can help avoid stumbling, but I disagree that a stumble means there was a &#8220;fatal flaw&#8221; in the plan.  We are human beings and by definition we are not perfect.  Hence, we stumble.</p>
<p>Besides, chaos theory (as I understand it) means that we are always drifting from organization to disorganization&#8230;and vice versa.</p>
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		<title>By: chacha1</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-802112</link>
		<dc:creator>chacha1</dc:creator>
		<pubDate>Mon, 02 Nov 2009 23:27:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-802112</guid>
		<description><![CDATA[I think the only real &quot;fatal flaw&quot; is inflexibility.  If we make a plan that is so rigid that any stumble shatters it, it may not be due to time management, temptation, false commitment, or self-destructiveness; it may just be due to our inability to see other ways to accomplish the goal.

For example, if a daily hourlong walk is a value, rather than abandon the walk, adjust the plan so that other daily priorities can be combined with it.  (For Example, need to meet a words-per-day goal + need to spend time with baby): Strap on the baby, pick up the digital voice recorded, and compose out loud while you walk.  Obviously this is a grossly simplified example but, you know.

Tunnel vision about our plans means we don&#039;t see all the other routes we could take.  As long as our plans are flexible, we can adjust variables (including timelines) and still move forward.]]></description>
		<content:encoded><![CDATA[<p>I think the only real &#8220;fatal flaw&#8221; is inflexibility.  If we make a plan that is so rigid that any stumble shatters it, it may not be due to time management, temptation, false commitment, or self-destructiveness; it may just be due to our inability to see other ways to accomplish the goal.</p>
<p>For example, if a daily hourlong walk is a value, rather than abandon the walk, adjust the plan so that other daily priorities can be combined with it.  (For Example, need to meet a words-per-day goal + need to spend time with baby): Strap on the baby, pick up the digital voice recorded, and compose out loud while you walk.  Obviously this is a grossly simplified example but, you know.</p>
<p>Tunnel vision about our plans means we don&#8217;t see all the other routes we could take.  As long as our plans are flexible, we can adjust variables (including timelines) and still move forward.</p>
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		<title>By: Des</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-802099</link>
		<dc:creator>Des</dc:creator>
		<pubDate>Mon, 02 Nov 2009 22:57:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-802099</guid>
		<description><![CDATA[I don&#039;t think this is always caused by a &quot;fatal flaw&quot; in planning. Sometimes, priorities change. I used to go running every day. I made it a priority because it was important to me. Then, things got busy at work and I had to make a choice. I could either lose my job, spend even less time with my family, or run less. Running was at the bottom of the list. It was a priority when my choice was between running or TV, but when circumstances changed, my &quot;plan&quot; had to adapt.]]></description>
		<content:encoded><![CDATA[<p>I don&#8217;t think this is always caused by a &#8220;fatal flaw&#8221; in planning. Sometimes, priorities change. I used to go running every day. I made it a priority because it was important to me. Then, things got busy at work and I had to make a choice. I could either lose my job, spend even less time with my family, or run less. Running was at the bottom of the list. It was a priority when my choice was between running or TV, but when circumstances changed, my &#8220;plan&#8221; had to adapt.</p>
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		<title>By: Maggie</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-802091</link>
		<dc:creator>Maggie</dc:creator>
		<pubDate>Mon, 02 Nov 2009 22:26:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-802091</guid>
		<description><![CDATA[I think sometimes our big life changing plans are unrealistic.  Maybe if the diet change did not go all the way to a really restrictive plan from the start, it would be an easier change to make.  &quot;I will only eat that one time a month&quot; seems easier to take than &quot;I will never eat that again&quot;.  The same seems true for money spending as well- it seems unrealistic to expect to go from overspending rampantly to a strict budget with no room for wiggle overnight.  I think once we see that we can make the first change, more will follow.]]></description>
		<content:encoded><![CDATA[<p>I think sometimes our big life changing plans are unrealistic.  Maybe if the diet change did not go all the way to a really restrictive plan from the start, it would be an easier change to make.  &#8220;I will only eat that one time a month&#8221; seems easier to take than &#8220;I will never eat that again&#8221;.  The same seems true for money spending as well- it seems unrealistic to expect to go from overspending rampantly to a strict budget with no room for wiggle overnight.  I think once we see that we can make the first change, more will follow.</p>
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		<title>By: Stephan F-</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-802078</link>
		<dc:creator>Stephan F-</dc:creator>
		<pubDate>Mon, 02 Nov 2009 22:00:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-802078</guid>
		<description><![CDATA[Got to keep remembering that. Wanting to change and changing are different and take time to develop new habits. And it doesn&#039;t help reading stories of people who did do massive personal change quickly. The reason they are stories is because they are unusual. Why aren&#039;t there good stories who change over time?]]></description>
		<content:encoded><![CDATA[<p>Got to keep remembering that. Wanting to change and changing are different and take time to develop new habits. And it doesn&#8217;t help reading stories of people who did do massive personal change quickly. The reason they are stories is because they are unusual. Why aren&#8217;t there good stories who change over time?</p>
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		<title>By: Dianne</title>
		<link>http://www.thesimpledollar.com/2009/11/02/the-stumble/#comment-802068</link>
		<dc:creator>Dianne</dc:creator>
		<pubDate>Mon, 02 Nov 2009 21:47:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4533#comment-802068</guid>
		<description><![CDATA[Been there, done that plenty times. You&#039;re correct - a stumble is not a failure. I&#039;ve learned to recognize them as opportunities to listen to what&#039;s really going on inside me. Sometimes one of the four weaknesses you noted above stands out. Sometimes it&#039;s something I think is unrelated but is affecting my efforts in other areas. Gentle listening and noticing is a gift we can give ourselves in these instances. No plan is ever going to be perfect but if we can accept these stumblings as learning opportunities, they will not be wasted.]]></description>
		<content:encoded><![CDATA[<p>Been there, done that plenty times. You&#8217;re correct &#8211; a stumble is not a failure. I&#8217;ve learned to recognize them as opportunities to listen to what&#8217;s really going on inside me. Sometimes one of the four weaknesses you noted above stands out. Sometimes it&#8217;s something I think is unrelated but is affecting my efforts in other areas. Gentle listening and noticing is a gift we can give ourselves in these instances. No plan is ever going to be perfect but if we can accept these stumblings as learning opportunities, they will not be wasted.</p>
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