HealthyLife Articles

Tag: Financial Wellness

  • 3 Ways To Find Joy At Work

    WORK LIFE

    Image of co-workers talking and smiling.

    Your job is a part of your life. But if you’re less than happy with it, your health could take a hit. The U.S. Surgeon General states that mental and emotional well-being are critical to your overall health. Not to mention, if you find ways to be happy at work, you may find more success and satisfaction with your career. Here are a few ways to make work more enjoyable each day:

    1.Think about your motivation.Write down two reasons why you go to work each day. Look at those reasons each day to remind yourself why you’re doing it.

    2.Take note of daily progress.Big or small, think about something good that you did at work each day. Congratulate yourself for achievements or ways you’ve improved in certain areas or abilities.

    3.Find healthy outlets.Sometimes work stress can’t be avoided. If you can accept the fact that stress will happen, the next step is to find a way to cope. Find a fun new hobby, take a class, go for a walk, or try meditation.

    © American Institute for Preventive Medicine

  • Eat Healthy & Save On Groceries

    FINANCIAL HEALTH

    Illustration of grocery cart with fruit and vegetables.

    Many people assume that healthy food, such as fresh fruit, costs more than processed and less nutritious foods like crackers and cookies. Although the best foods aren’t always the cheapest, healthy foods are worth the money spent. A healthy diet can help you feel better physically and mentally, which could mean fewer doctor visits and a better quality of life. If you’d like to eat healthier but are afraid it will hurt your budget, try these tips to get the most bang for your buck at the supermarket.

    *Plan your meals.Once or twice a week, sit down and write out the recipes you’d like to cook for the next few days. Write down the ingredients and shop for only those items. You’ll be less likely to resort to takeout because you have “nothing to eat” and you can avoid unneeded purchases.

    *Buy what’s in season.There’s a reason strawberries cost more in the winter months. They become harder to grow, and they must be shipped to your store from greater distances. Instead of trying to eat “summer” foods year-round, find out what’s freshest during each season. Citrus fruits and pears, for instance, are often best during the colder months.

    *Start a garden.You don’t need a huge yard to take advantage of growing your own food. Even a few small pots on a back deck or porch can allow you to grow some of your favorite fruits or vegetables. They’ll be fresh and delicious when you harvest them, and you won’t have to buy them.

    *Stock up.Canned goods, packaged cereals and other nonperishable items can be bought in larger quantities when on sale and stored. If you’re not a fan of clipping coupons, try buying them in bulk when possible.

    *Don’t overlook store brands.Buying canned and frozen items of the generic or store brand could save you a few dollars each time you visit the grocery store. Also, consider store brand bread, pasta, juice and other items. You probably won’t taste the difference.

    *Don’t shop while hungry.Some studies suggest that shopping while hungry could lead you to purchase more food than you need. Uneaten food, even the healthy kind, is money wasted.

    © American Institute for Preventive Medicine

  • Make The Most Of Your Commute

    WORK LIFE

    Image of man on phone while waiting at the subway.

    A commute is just a part of life for many working people. But whether you spend that time on a bus, train, or in a car, your commute doesn’t have to be a low point in your day. Instead, use that time to make your day better! Try these tips:

    *Practice relaxation.If you’re not driving, try doing some meditation or guided imagery. You can purchase scripts and songs for your phone or other device to listen to.

    *Stay cool while driving.If you’re driving, listen to peaceful music and focus on slow, deep breaths. Breathe in through the nose and out through the mouth. This can help relieve “road rage” while you focus on driving.

    *Wait for work time.Don’t check email or do other work tasks before you’ve arrived at work. Instead, stay “unplugged” for a more relaxing start to your day. This is especially important if you’re driving!

    *Exercise your brain.An audiobook or podcast can help you feel productive during this down time. Some mobile phone apps and podcasts can even help you learn a new language.

    Commuter-friendly snacks

    If you’re starving by the time you walk through the door each night, you can end up overeating or reaching for the first bag of chips you see. Hold off your hunger by packing a snack for your ride home:

    *  An ounce of nuts, such as almonds, cashews, or walnuts

    *  A cup of fresh berries and a piece of string cheese

    *  Baby carrots or celery with hummus

    *  Plenty of water to stay hydrated, fight fatigue, and curb hunger

    © American Institute for Preventive Medicine

  • Smartphone Break Aids Well-Being

    WELL-BEING

    Image of a smart phone.

    Want to be more productive and happier during the workday? Try taking a short break to text a friend, play Angry Birds, or check Facebook on your smartphone, according to Kansas State University research.

    Allowing employees to take smartphone microbreaks may be a benefit-rather than a disruption-for businesses. Microbreaks are nonworking-related behaviors during working hours.

    “A smartphone microbreak can be beneficial for both the employee and the organization,” said the lead researcher. “For example, if I would play a game for an hour during my working hours, it would definitely hurt my work performance. But if I take short breaks of one or two minutes throughout the day, it could provide me with refreshment to do my job.”

    Taking a break throughout the workday is important because it is difficult, and nearly impossible, for an employee to concentrate for 8 straight hours a day without a break, was the thinking. So the smartphone microbreaks were thought to be similar to other microbreaks throughout the workday: chatting with coworkers, walking around the hallway, or getting a cup of coffee. Such breaks are important because they can help employees cope with the demands of the workplace.

    © American Institute for Preventive Medicine

  • Work The Crowd

    WORK LIFE

    Image of business man smiling.

    Social gatherings, office parties, community events-they all give you an opportunity to enhance your professional image.

    But if you’re nervous about what to talk about in a crowd of strangers, Toastmasters International offers this advice to turn small talk into smart talk:

    *  Plan your topics. Think of 2 to 3 topics you can discuss with anyone.

    *  Keep it lighthearted. Avoid office gossip and controversial topics. Stay clear of topics related to sex, religion, and politics.

    *  Meet someone new. Take the first step to introduce yourself to the CEO. Or talk to someone new while waiting in the   food line.

    *  Spark a conversation. Ask open-ended questions about the person you’re getting to know.

    *  Listen attentively. Ask follow-up questions about the person or group you’re talking with. Listen more than you talk.

    *  Introduce others. Be sure to introduce a newcomer to those you’re talking with.

    *  Consider cultural differences. Take into account figures of speech, how you present humor, and personal space.

    *  Limit alcohol. Know your drink limit. If necessary, avoid alcohol altogether to keep your composure.

    © American Institute for Preventive Medicine

  • 4 Behaviors For A Healthy Wallet

    FINANCIAL HEALTH

    Concept image of growing leaf with stacked coins.

    1. Make a budget and stick to it.

    Many money experts will tell you that you need to know where your money is going each month. Creating a budget helps to see how much you spend on certain things and where you can cut back to save even more.

    2. Check your credit report each year.

    You are entitled to a free credit report once per year. This is an important step to help spot identity theft early. Your credit report can affect your mortgage rate and ability to get a loan.

    3. Shop around for a good APR on your next loan.

    The annual percentage rate (APR) on a loan is an important number. This is the total cost, including fees and interest, described as a yearly rate. The APR can vary widely between banks or lenders. It pays to take some extra time to find the best rate. Make sure you understand exactly what you will pay.

    4. Put money away for an emergency fund.

    Having an emergency fund offers peace of mind and protection from unexpected costs. Even a few dollars a week can add up, so save what you can.

    Paycheck checkup

    The Internal Revenue Service (IRS) says employees should look at their paycheck withholdings each year. Withholdings are taxes that are taken out of your paycheck.

    It’s especially important to check your withholdings in 2018, the IRS says. The Tax Cuts and Jobs Act, signed in December 2017, may change how much you want withheld.

    The IRS has a withholding calculator on their website at:apps.irs.gov/app/withholdingcalculator. This calculator can help you be sure that you aren’t having too much or too little tax withheld from your paychecks.

    © American Institute for Preventive Medicine

  • Find Unclaimed Money

    WELL-BEING

    Image of the word 'scam' spread across money.

    Uncle Sam may actually owe you money. How? If the government owes you money, and you do not collect it, it becomes unclaimed money. This can happen because of bank or credit union closures, investment funds, pensions, tax refunds, or savings bonds, among others.

    But before you assume that there has to be unclaimed money out there for you, beware, says USA.gov, a government information website.

    There are people out there who will contact you, claim to be the government, saying they will send you unclaimed money for a fee. This is a scam. Legitimate government agencies will not contact you about unclaimed money or assets.

    Right now, there is no single government site for finding unclaimed money by name, social security number, or state. You need to visit each site separately and perform a search.

    After searching, if you are owed funds, there will be instructions and steps to follow to collect your money.

    For more information on unclaimed money, or other government resources, visitUSA.gov.

    © American Institute for Preventive Medicine

  • Managing Financial Stress

    FINANCIAL HEALTH

    Image of hands holding money.

    Do finances keep you awake at night? If so, you’re not alone. More than 75 percent of Americans say money is a big source of stress, according to the American Psychological Association (APA).

    Although we can’t always change our financial problems right away, we can learn to cope with this type of stress. This can help you stay healthier and learn to deal with challenges in a positive way.

    If you’re stressed about money, try these tips:

    *Remain calm and make a plan.It can be easy to get caught up in the panic of the moment when a problem arises. A sudden expense needed for an emergency or stories about a “bad economy” in the news can make things feel hopeless. Instead, think about small steps you can take now to improve your budget. This may be writing down a few specific ways you can cut back on expenses. Or, look at your past spending and make a plan to cut back on things you can do without for now.

    *Look at the positive side of being thrifty.Eating meals at home instead of at a restaurant can be a fun family bonding time. Have everyone help prepare the meal or pick out their favorite dish for the weekly menu. Can’t afford a fitness membership? Exercise with a family member or friend at home and make it fun.

    *Be proud of progress.If you saved $5 by making your coffee at home rather than buying it at a coffee shop, that’s a step in the right direction. Think about the little ways you can save money and how they add up over time. These small successes can get you to your goal.

    *If you can’t pay your bills, ask for help.Banks, utilities and credit card companies will often give you extra time to pay if you’re in a financial crisis. It doesn’t hurt to call and ask.

    *Identify unhealthy behaviors.If you deal with stress by drinking alcohol, smoking or gambling, this will often make matters worse. Not only do these habits cost more money, but they can cost you your health, job and relationships. Healthy ways to cope with stress include exercise, deep breathing, eating a balanced diet, listening to music or calling a friend. If you need help with unhealthy behaviors, ask your doctor or look into community support groups.

    Source: American Psychological Association

    © American Institute for Preventive Medicine

  • Stay Safe When Holiday Shopping

    FINANCIAL HEALTH

    Image of female on laptop with credit card in hand.

    The holidays are often a time for celebrations, get-togethers, and lots of shopping for gifts. Unfortunately, theft can happen any time of year, including during the holiday season. To keep yourself and loved ones safe when holiday shopping, consider these tips from the National Crime Prevention Council (NCPC):

    At malls and stores:

    *  To keep your money safe, carry your purse close to your body. Wallets are better kept in a front pocket, where they are harder to pickpocket.

    *  Have your keys ready when walking to your vehicle. Glance at the back seat and be aware of your surroundings before getting in.

    *  Don’t leave packages or valuables in your car where they can be seen. Take them home immediately, if possible, or keep them in the trunk.

    *  When shopping with children, teach them to go to a meeting place in case you get separated. Talk to them about finding store security guards or employees to help, if needed.

    When online shopping:

    *  Be sure you update anti-virus and anti-spyware software on your computer. Visitwww.bytecrime.org.

    *  Never give out your password or credit card information in response to emails. Valid companies will never ask for this type of information.

    *  Make sure the website is secure: look for a locked padlock at the bottom of the screen or “https” in the address at the top.

    *  Use secure payment methods, such as PayPal or Apple Pay, whenever possible. If using a credit card, check your transactions regularly and alert your bank if you notice anything suspicious.

    *  Check reviews of online stores to ensure the company is credible.

    Warm-up thefts are in season

    During the winter months, many people start their cars and let them warm up while they wait inside. This can be a prime opportunity for someone to steal your vehicle or items inside it, according to the NCPC. Here’s how to avoid these situations:

    *  Never leave your car running or keys in the ignition if you’re not in it, even for a minute.

    *  Always keep your car locked, and use anti-theft or alarm devices if you have them.

    *  Keep valuables out of sight (and preferably out of your car), such as phones, purses and electronics.

    © American Institute for Preventive Medicine

  • 3 “S”S For Being Active At Work

    FAMILY LIFE

    Two coworkers holding a set of dumb bells in hands.

    Many people have jobs that require sitting at a desk or being inactive for long periods of time. This can make it hard to reap the benefits of exercise, like having more energy and weight loss. But you can fit in fitness at work with just a few tricks.

    1.  Shoes. If you wear a dress or work shoes, bring your sneakers to work. Keep them under your desk and slip them on during your lunch break so you can take a brisk walk in comfort.

    2.  Stairs & standing. Whenever possible, take the stairs instead of the elevator. A few extra calories burned is better than none. Try to stand or walk when you don’t need to be sitting. This could be during a phone conversation, or going down the hall to speak to someone instead of calling or emailing them.

    3.  Schedule. Put time in your schedule to exercise. It’s one of the most important things you can do for YOU! If you don’t have enough time at lunch, find a way to exercise either before or after work. Write it down in your work calendar as a reminder that it’s an important commitment.

    © American Institute for Preventive Medicine