HealthyLife Articles

Tag: budget

  • Practically Free Ways To Get Fit

    BE FIT

    Image of women listening to head phones while dancing.

    “Can’t afford to get fit” is one of the top excuses people give when asked why they don’t exercise. That’s about as logical as saying, “I can’t drive because I can’t afford a Mercedes.” Here are penny-wise ways to get fit from University of Alberta exercise experts:

    *  Walk. Most people walk 4,000 to 5,000 steps per day anyway. Aim to add more steps in your daily activities.

    *  Use a pedometer to help keep track of your steps. You can get one for about $10, but sometimes health fairs give them away free.

    *  Take the stairs every chance you get, even if it’s only one flight.

    *  Don’t use your children as an excuse not to exercise. Take them along for a walk or run in a stroller, wagon, or on a bike.

    *  Turn on your radio and dance up a storm for 20 to 30 minutes in the privacy of your own home.

    *  Use the lowest stair or stairs in your home and create your own step workout.

    *  Turn your canned goods into weights. Or pour sand or water into empty milk bottles to create weights.

    *  Grab a chair or the kitchen counter and do some push-ups, squats and leg lifts.

    *  Pair a favorite TV show with some sit-ups. Just hook your toes under the sofa. Stand up and jog during commercials.

    *  Got rope? Jump it for a total body workout.

    *  Check with your company wellness program, community league or local rec center for any exercise classes, walking clubs, or team sports you can join.

    *  Go for a walk or just stand by your workstation and stretch for 5 to 10 minutes every hour.

    © American Institute for Preventive Medicine

  • Save More, Spend Less

    FINANCIAL HEALTH

    Image of women at kitchen counter with groceries and placing money in a piggy bank.

    According to the American Psychological Association, finances are the number one cause of stress in America. Whether it’s meeting the monthly bills or trying to build a retirement fund, financial worries can be difficult to deal with.

    If you’re looking for ways to stretch your monthly budget, the Federal Trade Commission offers some tips that may help you save more and spend less without feeling the pinch.

    Start with a budget.

    This may not be fun, but it doesn’t have to be long and difficult. You can use something as simple as a two-column sheet of paper. In one column, write your net income for the month. In the other column, record all your expenses: basic monthly bills (mortgage, food, transportation), lifestyle choices (entertainment, eating out, personal care, pets), and other expenses. This will give you a clear idea of how much you need to save or cut back on spending. The FTC website offers a free budget worksheet atwww.consumer.ftc.gov/articles/pdf-1020-make-budget-worksheet.pdf.

    Consider direct deposits into savings accounts.

    Have part of your paycheck go directly into a 401 savings or other type of retirement account. Have additional money put into another savings account for an emergency fund and major expenses as needed.

    Pack lunches.

    A daily $6 spent on lunch adds up to $800 a year. Instead, make extra food for dinner and take leftovers or make your own sandwich. Or, purchase healthy frozen meals when they’re on sale.

    Use free community services.

    Most cities have well-stocked libraries that have books, magazines, music, games, and movies. You can check these items out for free.

    Know that every little bit helps.

    Make small, manageable goals to help you save. Even just $1,000 less on your credit card bill could save you hundreds of dollars in interest each year. Eating out one fewer time each week adds up to big savings in a few months. Rather than being discouraged by a goal that seems impossible, look for small, doable ways to save a few dollars here and there.

    © American Institute for Preventive Medicine

  • Saving Food, Saving Money

    FINANCIAL HEALTH

    Image of couple at the grocery store.

    In the U.S., we throw out millions of tons of food each year. Most people have thrown out food that spoiled or was simply never eaten. This harms the environment because it adds up to more waste, and it’s also harmful to your budget. It’s a lot like throwing money in the garbage! In addition, some of that wasted food could have gone to people who don’t have enough to eat.

    Shopping, planning, saving

    The number one way to stop wasting food is to plan meals and shop for only those meals. You’ll need to make a shopping list and stick to it when you go to the store.

    Your list should have ingredients for all your meals, including main dishes, sides, drinks and snacks. Then, buy only what’s on the list. This requires some extra time and planning, but the savings can add up.

    Some people like to shop for the whole week, while others shop for only a few days at a time. This is up to you. No matter how you like to shop, having a list can save you money and cut down on food waste.

    In the end, your budget and the environment will thank you. As an added bonus, you will be eating healthier by planning your meals ahead of time.

    Keep the pantry organized

    Have you ever bought a can of beans, only to find that you already had three at home? Having an organized pantry can help avoid this.

    Try putting your pantry into sections. You may wish to divide up canned foods into categories like fruit, vegetables, beans and other foods. Have another section for pasta, one for rice and so on. Being able to quickly glance at the pantry when you’re making your shopping list can save time and prevent buying duplicates.

    Other tips to prevent food waste

    *  Buying bulk portions can be a big saving – but only if you eat it. Only buy these large portions if you plan to use or freeze it all before it expires.

    *  Eat leftovers! Have a leftover dinner night, rather than cooking another meal. Get creative and use leftovers to make a casserole, soup or sandwiches.

    *  Check your fridge first. Before you go shopping, see what you already have in your fridge. Eat what you have on hand before buying more.

    *  Ask local food banks about their needs. Donate food that you don’t think you will use instead of throwing it away.

    Source: Environmental Protection Agency

    © American Institute for Preventive Medicine

  • Stay Warm, Save Money

    FINANCIAL HEALTH

    Image of thermostat being set at 71 degrees.

    When temperatures drop, energy bills are higher. Duke Energy offers some simple energy (and money) saving tips:

    *  Check your heating system’s ductwork to ensure that it is well insulated and completely covered. Ductwork should be properly sealed and not allowed to hang loose under the house.

    *  Keep your thermostat at a comfortable setting. If you are going to be away for several days, turn the thermostat to a lower setting, but not off.

    *  Have your heating or cooling system checked each season by a qualified technician to make sure it is operating properly. Heating and cooling account for at least half of your energy bill.

    *  Check insulation, seal cracks, and weather-strips between heated and unheated areas such as garages, basements, and attics.

    *  If you have a window air conditioning unit, remove it for the winter months to prevent heat from escaping through and around the unit. If it cannot be moved, cover it to prevent drafts.

    *  Always make sure the fireplace damper seals tightly and remains closed except when a fire is burning or smoldering in the fireplace.

    *  Insulate your water heater with at least R-6 insulation. The water heater is the second-largest energy user in your home. You can save enough money in energy bills to pay back the cost of materials within months and then keep on saving.

    *  Ceiling fans help keep you comfortable in the summer and winter. Reversing the direction of the blades pushes warm air down into the room. Fans should turn counter-clockwise in the summer and clockwise in the winter.

    *  On sunny days, leave the draperies open to allow the sun’s rays to warm your house.

    © American Institute for Preventive Medicine

  • Stop The Spending Cycle

    WELL-BEING

    Image of colorful shopping bags.

    Going overboard on one shopping trip, especially around the holidays, does not mean you have a shopping addiction. It’s normal to overdo it once in a while. And, everyone buys things that aren’t truly needed at times.

    But, if you think you or a loved one might have a shopping addiction, there is help. Often times, a shopping addiction is the result of another health issue like depression. Talk with your doctor about your feelings and symptoms. Antidepressants or other medications may be helpful.

    Or, you may wish to talk with a counselor about things that are bothering you. Sometimes, emotional burdens or troubles can make you look for happiness in things like shopping. If you are able to deal with those problems, you may not feel the need to shop as much.

    There are also support groups for people with a variety of addictions. Debtors Anonymous can help people who have gone into debt from too much spending.

    Don’t be afraid to seek help. The sooner you can address the problem, the sooner you can get your life back on track.

    © American Institute for Preventive Medicine

  • Teaching Kids To Manage Money

    FINANCIAL HEALTH

    Image of boy holding money in one hand and thumbs up with the other hand.

    Good money management habits start early. In fact, even preschool age children can begin to learn about money and how to use it responsibly. Parents and caregivers have the power to teach children about proper spending, saving and sharing from a young age.

    Preschool age

    *  Use play money to “buy” items.

    *  Teach children about work. Tell them how your job helps you pay for things like food and clothes.

    *  Take them to the grocery store and talk about what items cost.

    *  If children get money for a birthday or holiday, have them put it in their piggy bank instead of spending it right away.

    School age

    *  Discuss the prices of items while shopping. Show your kids your shopping receipts and explain how much items cost.

    *  Have kids help you clip coupons and talk about how much you can save.

    *  Open a savings account for your child.

    *  Consider giving an allowance for chores. Talk to them about saving their allowance to buy something later, rather than spending it all now.

    Teenagers

    *  Show your teen how to balance a checkbook.

    *  Discuss responsible credit card spending and avoiding credit card debt.

    *  If your teen has a job, talk about taxes and help them fill out their income tax form.

    *  Explain how automobile and health insurance works.

    Don’t feel pressured to give your child a complete course in finances. Children learn by watching others, so setting a positive example for spending and saving is a great way to teach.

    Source: University of Minnesota Extension

    © American Institute for Preventive Medicine