Read through your account agreement before withdrawing any cash. You should understand the costs involved before taking action. You may be able to do this by logging into your account and searching on the website for your bank or credit card company. Standard terms for cash advances may include fees of 3-5% of the amount withdrawn. Find out what interest rate you'll have to pay on your cash advance, when it starts accruing, and how often it will accrue. Make sure you'll be able to pay the interest before you take out the advance.  Median annual interest rates for cash advance on most credit cards is currently around 24%. Generally, the cash advance rate is 5%-6% above the rate of purchases.  Interest on cash advances often begins accruing immediately. Even if you pay off the advance as soon as possible, you may not be able to avoid paying at least some interest. Always ask if your next payments will go straight toward your higher-interest balances. If not, the cost of your cash advance may become punitive. Pay off cash advance balances as soon as possible. The high interest rates on them mean the debt can quickly grow well beyond the amount you took out as an advance.

Summary: Know the fees. Learn the interest rate. Understand the repayment system.


Although it may seem obvious, it is important to understand that the first step in breaking a bad habit is developing a true desire for and committing to changing your life. Many people embark on the path of breaking a habit without being certain that they really want to change. Breaking habits is a difficult task, so if you aren't fully committed to it you are likely to fail. Most habitual behaviors are patterns that have evolved because they have been rewarded in some way. They make it easier to perform a common task, or to deal with various emotional states. A “habit loop” forms from a cue, or trigger, that tells your brain to start the habitual behavior. The brain processes a “reward” from this behavior, in the form of neurochemicals, that reinforces the habit loop. Interrupting the behavior part of this loop is how to break a habit. To determine the most effective way to break a habit, it will be helpful to determine the situational and emotional context that triggers the habit. This can help you understand what “rewards” your brain is looking for. Having this understanding will allow you to develop other, healthier means of achieving the same rewards that the bad habit provided.  Many bad habits come about as a means of dealing with situations that cause stress or boredom.  For example, for many people smoking provides a relief from stress. Procrastination temporarily provides free time to engage in more fun activities.  When you feel the urge to perform your habitual behavior, make a note of it. Often, habits have become so ingrained that we don’t even notice why we do them. Developing that awareness will help you pinpoint what is going on to prompt your habit.  When you make your note, jot down what was going on at the time. For example, if you’re a nail-biter, note whenever you feel the impulse to bite your nails. Take a few notes about how you’re feeling, what has been going on during the day, where you are, and what you were thinking. Once you understand the situation that triggers your habit and the reward you receive for engaging in the undesirable behavior, you can make a plan that involves goals for behavior change and strategies for minimizing habit triggers.  Studies show that having a clear, specific plan greatly increases your chances of success in breaking habit. It helps break down unwanted behaviors and also helps create new patterns of action.  Plan to make mistakes. Do not make a plan that will be deemed a failure as a result of a single slip-up. Most people give in to the temptation of old habits at some point while trying to break them. If you accept this in advance, you will be less likely to let negative thinking defeat the whole enterprise of breaking the habit.  You should include in your plan mechanisms for keeping yourself accountable, in the form of rewards for successes and feedback from others who support your goal of breaking the habit. You are more likely to succeed in your goal if you share it with others. More details on this are provided later in this article. In your mind, repeatedly practice breaking the habit by imagining scenarios in which you engage in desired behaviors rather than the bad habit. Imagine situations in which you would be tempted to engage in the undesired behavior and choose a better option. This helps reinforce positive behavior patterns.  For example, if your goal is to eat less junk food, imagining yourself in your kitchen preparing a healthy meal, and sitting down to eat it.  Some people find it helpful to write down "scripts" of their desired behavior and read them every day. Increasing your mindfulness in daily life can help you become aware of your actions, rather than functioning on “autopilot.” Mindfulness focuses on being aware of what you are experiencing in the moment, and experiencing it without avoidance or judgment. With practice, mindfulness can become a healthy habit that can counteract the bad habits you want to avoid.  Mindfulness trains your brain to respond to situations differently. It can actually “reprogram” the way you respond to situations and stressors. It can help give you time before you react to something, and decrease your tendency toward “automatic thoughts,” which arises in response to a situation.  Be conscious of when you are tempted to give in to bad habits. What are the situations that lead to the undesired behavior? What are the sensations in your body or thoughts in your mind that promote the undesired behavior? Understanding them without judging yourself will help you resist the behavior.  Don't suppress thoughts about the habit. If you try not think about something, ironically, you will start to see it everywhere and become overwhelmed.  Trying not to think about smoking, for example, could result in you becoming hypersensitive to anything that reminds you of smoking. You are much better off to recognize your craving and the situations that promote it, and deal with these issues head-on. Try mindfulness meditation. Taking a few minutes every day to become quiet and focus on your breathing will help you develop awareness of your body and your thoughts.  Yoga and Tai Chi also encourage meditation, and they’re good for your health. Note when you feel the urge to perform your habit, but don’t judge those thoughts. You could try saying something like, “I’m feeling the urge to smoke right now” or “I really want to bite my fingernails at the moment.” Acknowledging your feelings will help you move past them without getting stuck on the thoughts.
Summary: Commit to a goal. Understand your habit. Examine the context of your habit. Make a plan. Visualize success. Practice mindfulness.