Yesterday afternoon I was scrolling through my pictures and discovered this one from Saturday that I totally forgot I took:  



Mike and I went on a mini-road trip to 3 breweries and a bbq place as his belated birthday gift (trips = WAY better than gifts) It was SO FUN! And delicious. Beer and bbq... you literally can't go wrong :)


The back right beer in this pic was a peach habanero ipa... I don't normally like spicy things but it was SO GOOD!


Ooookay, moving on before I start craving a beer at 6am....



Unsurprisingly, I am still hooked on this whole habits + saving money idea that I discussed Monday. I haven't gotten the book (Better than Before by Gretchen Rubin) from the library yet (I'm 75th in line for the book... guess everyone else wants to read it, too!) so I'm still just mulling over what Gretchen said in her podcast interview on The Lively Show.


Gretchen came up with the "Four Tendencies Framework", which explains how people respond to inner and outer expectations (which is really important to how you create/stick to habits). She says you can sort everyone into 4 categories: upholders, questioners, obligers, and rebels. (the bullet points below are copied from her website)


  • Upholders respond readily to outer and inner expectations
  • Questioners question all expectations; they’ll meet an expectation if they think it makes sense–essentially, they make all expectations into inner expectations
  • Obligers meet outer expectations, but struggle to meet expectations they impose on themselves
  • Rebels resist all expectations, outer and inner alike


If you want to get more info on the tendencies and take a quiz to find out which tendency you are, check out Gretchen's website!


I think that understanding these 4 tendencies, and figuring out which one we are, can help us to learn about how best to create our own money-saving habits. For example, if you realize that you're an obliger (ahem, me) then maybe this is why you are totally failing at your self-imposed deadline to pay off your student loans by the end of this year.


I cannot WAIT to read the book because now that I get that there are 4 different tendencies, I just want to know how to utilize each tendency to help set habits (and thus save more money!). One example Gretchen used with Obligers was trying to set an exercise habit-- she says that for Obligers, you should get a personal trainer or sign up for a running coach or get an accountability buddy so that you have that external expectation from someone else to keep you on track! (so if you're an obliger and are trying to save money, it's a good idea for you to work directly with someone [like me!] who will keep you accountable)



Are you an upholder, questioner, obliger, or rebel?

I thought this as soon as I read the descriptions, and Gretchen's quiz confirmed it: I am an Obliger. It's easy for me to uphold the expectations/tasks from others... but hard to uphold my own internal expectations. Aaaand this explains SO much about why I sometimes have a huuuuuuge struggle with keeping on track with this whole being-my-own-boss thing... haha!