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I asked 2 experts what I should know about money and happiness. This is what they said.

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TD Ameritrade

It has long been said that "money doesn't buy happiness."

Then again, it's also been said that money does buy a WaveRunner, and it's impossible to be sad while on a WaveRunner.


GIF via "The Meredith Vieira Show."

But figuratively speaking, could buying a WaveRunner possibly result in happiness?

No one denies that buying things can feel good. But is there a difference between buying things that make us happy and actually buying happiness?

What are the most important things we should know about the relationship between the things we buy and our emotional well-being?

Hoping to get some answers, I spoke with two experts: Gretchen Rubin, author of the New York Times bestseller "The Happiness Project" and host of the podcast "Happier With Gretchen Rubin,"and Jean Chatzky, author of "The 10 Commandments of Financial Happiness," financial editor of NBC's "Today" show, and host of the podcast "HerMoney."

1. Correlation isn't causation.

Image via iStock.


An influx of cash may alleviate some of your worries in the short term (mainly because it frees you from having to worry about money), but it won't do much to improve your general state of happiness in the long term unless you are doing the right things with it.

"If you're trying to decide whether or not to spend your money, anything that deepens or broadens relationships is probably a good idea," says Rubin.

"Should you go to your college reunion or spend that money going to a friend's wedding? Yes, because that's going to make you happier than a new pair of boots."

2. There is a ceiling.

Image via iStock.

"Once you have enough money to live comfortably, to get yourself a place to live, a car to take you back and forth to work, and enjoy yourself once in a while, more money beyond that isn't shown to measurably increase happiness," says Chatsky.

Is that really true? According to a Nobel Prize-winning study by Princeton University, the answer is yes!

Princeton's research team polled nearly a half-million Americans about their daily mood and income and found that lower income is associated with lower emotional well-being. They also found that the ceiling tends to top out at around an annual household income of $75,000 in most parts of the world. The researchers hypothesized that threshold could be the level at which people have enough money to spend time with people they like, keep themselves healthy, and enjoy leisure time.

3. It's all relative.

Image via iStock.

According to the UN's annual World Happiness Report, the happiest country in the world last year was Denmark, which somehow achieved this despite not even landing in the top 10 countries with the highest per-capita GDP or annual income.

This might be due to the fact that the reference point for what exactly is considered "wealthy" in countries like Denmark tends to be lower across the board than here in America, according to Chatzky.

Isn't it true that when we see the new car in our neighbor's driveway or the photos of our coworker's vacation in Bali, the inherently competitive part of our personalities comes out? It seems to place that desire for more above the things we as individuals actually require to be happy.

"You can't just assume that this experience or this project will increase my happiness because everybody talks about how great it is. You have to think about what's true for you."

"What tends to matter more than the actual numbers are whether you tend to have more or less than the person in the next office or the family down the block," says Chatzky.

"It's very easy to just go along with what 'everybody says,'" echoes Rubin.

"Everybody says it's fun to go out drinking. Everybody says it's fun to go skiing, but do you really enjoy that? I've heard from so many people who were like, 'You know, when I really stopped and thought about it, I realized I was doing all this stuff because I was just going along.' You can't just assume that this experience or this project will increase my happiness because everybody talks about how great it is. You have to think about what's true for you."

4. Control is key.

Image via iStock.

"What I learned from years of research is that what you have is not nearly as important as how much control you have over the money you have," says Chatzky.

Some of us can do more to achieve happiness with $30 than others can with $3,000, and it all relates back to the ways in which we are spending it.

"Money is like health. When we don't have it, it really affects us in the negative, but when we do have it, it's easy to take it for granted."

With today's technology, it's become more complex than ever. One-click shopping sites that automatically store your credit card information may be convenient, but they have also fueled our tendencies to spend money on "impulse buys" that we later regret.

"Money is like health. When we don't have it, it really affects us in the negative, but when we do have it, it's easy to take it for granted," says Rubin.

Indeed, the effect that poor money management can have on our happiness is similar to the effects a poor diet can have on our health. We know that a direct correlation between the two exists, but we often avoid it because we are convinced it's too late to change our ways.

Speaking of which...

5. Developing habits is also key.

Image via iStock.

Human beings have always been creatures of habit, yet we usually only tend to acknowledge this phenomenon when discussing the habits that negatively influence our lives. The truth, however, is that it's just as possible for us to develop positive spending habits in order to better our emotional well-being.

There are many attainable goals that will directly influence your levels of happiness, according to both Chatzky and Grubin. They suggest small things like regularly monitoring your spending habits, automatically deducting 5% of your paycheck into a savings account, or paying your bills as they come in instead of all at once.

"Anything that's convenient, you're more likely to do," mentions Grubin. "Automatic savings requires no effort. If you're shopping, shop with a basket, not with a cart. The more inconvenient it is to carry that stuff around, the less likely you are to buy it."

You see, laziness can be used for good after all! (*turns on television*) (*binge-watches 10 straight "30 Rock" episodes*)

6. Know yourself.

Image via iStock.

Are you more likely to spend money with a credit card or with cash? Do you really need that expensive coffee on the way to work each day, or the biweekly trips to the tanning booth?

"Getting on a path so that you know where you want to go, and that there are benchmarks between you and that goal for you to knock down ... to know that you're making progress is one of the easiest ways to make yourself happy."

You are the only person who can make the changes necessary to ensure your happiness, and the first step in doing so is acknowledging the impact that money has on it and taking the correct measures to improve the relationship between the two.

"Getting on a path so that you know where you want to go, and that there are benchmarks between you and that goal for you to knock down ... to know that you're making progress is one of the easiest ways to make yourself happy," says Chatzky.

"The thing about money is that it really pulls us down more than it lifts us up," adds Rubin. "It's important to cultivate a gratitude for when you do have enough money, because if you're not worrying about it, you don't realize what a huge role it plays."

It all boils down to making sure you are truly investing in your happiness, not just trying to buy it.

It's all about balance. So, whether it's that new pair of boots, that definitive collection of Biggie's greatest hits, or that annual ski trip in Aspen — if it's serving you, then it's good to spend! But before you do, just make sure you can still afford the mortgage payment or that unexpected blown tire when you get back.

Money may never be able to buy happiness in and of itself, but it can help provide you with the stability that makes happiness a much more attainable goal.

Maybe not a "bulldog in sunglasses riding a WaveRunner" level of happiness, but happiness nonetheless.

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10 anti-holiday recipes that prove the season can be tasty and healthy

Balance out heavy holiday eating with some lighter—but still delicious—fare.

Albertson's

Lighten your calorie load with some delicious, nutritious food between big holiday meals.

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The holiday season has arrived with its cozy vibe, joyous celebrations and inevitable indulgences. From Thanksgiving feasts to Christmas cookie exchanges to Aunt Eva’s irresistible jelly donuts—not to mention leftover Halloween candy still lingering—fall and winter can feel like a non-stop gorge fest.

Total resistance is fairly futile—let’s be real—so it’s helpful to arm yourself with ways to mitigate the effects of eating-all-the-things around the holidays. Serving smaller amounts of rich, celebratory foods and focusing on slowly savoring the taste is one way. Another is to counteract those holiday calorie-bomb meals with some lighter fare in between.

Contrary to popular belief, eating “light” doesn’t have to be tasteless, boring or unsatisfying. And contrary to common practice, meals don’t have to fill an entire plate—especially when we’re trying to balance out heavy holiday eating.

It is possible to enjoy the bounties of the season while maintaining a healthy balance. Whether you prefer to eat low-carb or plant-based or gluten-free or everything under the sun, we’ve got you covered with these 10 easy, low-calorie meals from across the dietary spectrum.

Each of these recipes has less than 600 calories (most a lot less) per serving and can be made in less than 30 minutes. And Albertsons has made it easy to find O Organics® ingredients you can put right in your shopping cart to make prepping these meals even simpler.

Enjoy!

eggs and green veggies in a skillet, plate of baconNot quite green eggs and ham, but closeAlbertsons

Breakfast Skillet of Greens, Eggs & Ham

273 calories | 20 minutes

Ingredients:

1 (5 oz) pkg baby spinach

2 eggs

1 clove garlic

4 slices prosciutto

1/2 medium yellow onion

1 medium zucchini squash

1/8 cup butter, unsalted

1 pinch crushed red pepper

Find full instructions and shopping list here.

bow of cauliflower ham saladGet your cauliflower power on.Albertsons

Creamy Cauliflower Salad with Ham, Celery & Dill

345 calories | 20 minutes

1/2 medium head cauliflower

1 stick celery

1/4 small bunch fresh dill

8 oz. ham steak, boneless

1/2 shallot

1/4 tspblack pepper

1/4 tsp curry powder

2 tsp Dijon mustard

1/4 tsp garlic powder

3 Tbsp mayonnaise

1/8 tsp paprika

2 tsp red wine vinegar

1/2 tsp salt

Find full instructions and shopping list here.

tofu on skewers on a plate with coleslawPlant-based food fan? This combo looks yums. Albertsons

Grilled Chili Tofu Skewers with Ranch Cabbage, Apple & Cucumber Slaw

568 calories | 20 minutes

1 avocado

1/2 English cucumber

1 (12 oz.) package extra firm tofu

1 Granny Smith apple

3 Tbsp (45 ml) Ranch dressing

1/2 (14 oz bag) shredded cabbage (coleslaw mix)

2 tsp chili powder

1 Tbsp extra virgin olive oil

1/2 tsp garlic powder

1/2 tsp salt

Find full instructions and shopping list here.

frittata in a cast iron skilletSometimes you just gotta frittata.Albertsons

Bell Pepper, Olive & Sun-Dried Tomato Frittata with Parmesan

513 calories | 25 minutes

6 eggs

1/2 cup Kalamata olives, pitted

2 oz Parmesan cheese

1 red bell pepper

1/2 medium red onion

8 sundried tomatoes, oil-packed

1/4 tsp black pepper

1 Tbsp extra virgin olive oil

1/2 tsp Italian seasoning

1/4 tsp salt

Find full instructions and shopping list here.

plate with slices of grilled chicken and a caprese saladCaprese, if you please.Albertsons

Balsamic Grilled Chicken with Classic Caprese Salad

509 calories | 25 minutes

3/4 lb chicken breasts, boneless skinless

1/2 small pkg fresh basil

1/2 (8 oz pkg) fresh mozzarella cheese

1 clove garlic

3 tomatoes

1 Tbsp balsamic vinegar

4 3/4 pinches black pepper

1 1/2 tsp extra virgin olive oil

3/4 tsp salt

Find full instructions and shopping list here.

four stuffed mushrooms on a plateThese mushrooms look positively poppable.Albertsons

Warm Goat Cheese, Parmesan & Sun-Dried Tomato Stuffed Mushrooms

187 calories | 35 minutes

1/2 lb cremini mushrooms

1 clove garlic

1/2 (4 oz) log goat cheese

1/4 cup Parmesan cheese, shredded

2 sundried tomatoes, oil-packed

1 1/4 pinches crushed red pepper

1 tsp extra virgin olive oil

1/4 tsp Italian seasoning

2 pinches salt

Find full instructions and shopping list here.

plate with open English muffin with goat cheese and sliced baby tomatoes on topMove over, avocado toast. English muffin pizzas have arrived.Albertsons

English Muffin Pizzas with Basil Pesto, Goat Cheese & Tomatoes

327 calories | 10 minutes

3 Tbsp (45 ml) basil pesto

2 English muffins

1/2 (4 oz) log goat cheese

1/2 pint grape tomatoes

3/4 pinch black pepper

2 pinches salt

Find full instructions and shopping list here.

pita pocket on a plate filled with veggies, meat and cheeseThis pita pocket packs a colorful punch.Albertsons

Warm Pita Pocket with Turkey, Cheddar, Roasted Red Peppers & Parsley

313 calories | 20 minutes

1/4 (8 oz) block cheddar cheese

1/2 bunch Italian (flat-leaf) parsley

4 oz oven roasted turkey breast, sliced

1/2 (12 oz) jar roasted red bell peppers

1 whole grain pita

3/4 pinch black pepper

1/2 tsp Dijon mustard

2 tsp mayonnaise

Find full instructions and shopping list here.

plate with toast smeared with avocado and topped with prosciuttoDid we say, "Move over, avocado toast?" What we meant was "Throw some prosciutto on it!" Albertsons

Avocado Toast with Crispy Prosciutto

283 calories | 10 minutes

1 avocado

2 slices prosciutto

2 slices whole grain bread

1 5/8 tsp black pepper

1/2 tsp extra virgin olive oil

1/8 tsp garlic powder

1/8 tsp onion powder

Find full instructions and shopping list here.

bowl of chili with cheese and green onions on topVegetarian chili with a fall twistAlbertsons

Black Bean & Pumpkin Chili with Cheddar

444 calories | 30 minutes

2 (15 oz can) black beans

1/2 (8 oz ) block cheddar cheese

2 (14.5 oz) cans diced tomatoes

2 cloves garlic

2 green bell peppers

1 small bunch green onions (scallions)

1 (15 oz) can pure pumpkin purée

1 medium yellow onion

1/2 tsp black pepper

5 7/8 tsp chili powder

1/2 tsp cinnamon

2 tsp cumin, ground

1 tsp salt

1 Tbsp virgin coconut oil

Find full instructions and shopping list here.

For more delicious and nutritious recipes, visit albertsons.com/recipes.

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