HealthyLife Articles

Tag: Financial Wellness

  • 5 Ways To Make It A Healthy Work Day

    WORK LIFE

    Image of a healthy lunch.

    Are you looking for ways to be your best at your job? No matter what kind of work you do, you can improve your overall health and productivity with some simple, everyday habits.

    Get enough sleep.

    The National Heart, Lung, and Blood Institute says getting the right amount of rest helps you both physically and mentally. It boosts your energy and improves your immune system. It may also lower your risk of heart disease, diabetes and stroke. It helps you think, learn, react and deal with stress and anxiety. Aim for seven to nine hours of sleep each night.

    Stay hydrated.

    Drinking enough water is important for any job – whether you sit or stand at a desk, or you’re lifting and moving throughout your day. When you are even slightly dehydrated, you can feel sluggish and you may struggle with problem-solving. If possible, take sips from a water bottle as you go through your day. The color of your urine can tell you if you’re staying hydrated. It should be colorless or light yellow, according to The American Academy of Family Physicians.

    Pack healthy snacks & lunches.

    Eating fresh fruits, vegetables, whole grains and lean protein can give you energy as you move through your day. Don’t choose unhealthy processed foods or fast food. Pack a healthy lunch the night before work, so you can just grab it and go in the morning.

    Wash your hands often.

    Areas in your workplace can be hot spots for germs that can make you sick. Wash your hands with soap and water after using the restroom, before eating, and after touching shared surfaces, such as door handles and computer keyboards. If someone around you is ill, avoid contact with them and be extra diligent about washing your hands.

    Get up & move.

    Avoid sitting at a desk all day without getting some physical activity. Get up and stretch when possible such as during a long conference call. If you get a lunch break, consider taking a 10-minute walk. This can energize you and help you cope with a stressful day.

    © American Institute for Preventive Medicine

  • For The Health Of Your Wealth

    FINANCIAL HEALTH

    Image of female talking to an advisor.

    Do you want to take control of your financial life? It’s up to you to understand your own money, says investment advisor Paul Taylor, a member of the National Ethics Bureau. Taylor offers the following suggestions:

    For your cash flow, keep in mind the four A’s: Accounting, Analysis, Allocation, and Adjustment. The four A’s describe a systematic and disciplined approach to your daily, weekly, monthly, and yearly spending habits.

    *  Accounting involves gathering all your relevant financial information-income, recurring bills, and other expenditures-creating a central list of each item, and pulling it together in a place where it’s easy to find.

    *  Analysis is reviewing the information to determine whether you have a shortfall or surplus, and finding places to reduce expenses. Saving $100 a month on dining out, for instance, would allow you to apply $100 to your mortgage loan principal, saving you a substantial amount in interest payments.

    *  Allocation involves determining your financial commitments and priorities, needs versus wants, and distributing your income accordingly.

    *  Adjustment involves periodic reviews of your financial information and shifting assets to meet changing needs.

    © American Institute for Preventive Medicine

  • Overwhelmed At Work? How To Handle It

    WORK LIFE

    Image of stressed women at work.

    No matter what your job, you’re bound to feel overwhelmed sometimes. Whether you have new responsibilities, are worried about a certain project, or just have too much on your plate, it’s normal to feel the pressure occasionally. Though you may not be able to change what’s causing these feelings, you can find ways to deal with these situations in a healthy way.

    Jot it down.

    If your mind is swimming with a list of to-dos, put it on paper. Sometimes seeing the list can help you come up with a plan to get it done. You can figure out what needs to be done first, and then you have a starting point.

    Take a break from work when you’re off-duty.

    If your life revolves around the buzzing of your phone with emails and work demands, try to take some time each day to turn it off. You may find you feel more relaxed and ready to focus when you return to work.

    Start with just one step.

    If a huge project feels too difficult to start, then just think about the first thing you need to do. It can be something minor, such as sending an email or writing down a task list. Every big project begins with one step. Consider what needs to be done right now, and do that first. Once you get started, it may be easier to keep going.

    Talk to your supervisor.

    If possible, bring up your main concerns to your boss. Be specific about your problem, and focus on what you can do to help solve it. For instance, if you have too many tasks, tell them what you are able to do in the time you have, and suggest alternate ways to get the rest done. Perhaps you can ask for more time to get a project done. Or, see if you can delegate the task to a co-worker.

    An organized desk gives you control

    If you’re feeling buried at work, look in front of you. A messy desk can create more stress and anxiety. Clean up your space by:

    *  Going through papers as you get them, rather than letting them pile up

    *  Creating a “pending” or “in progress” folder for things you need to do

    *  Clean up your space before you leave each day

    *  Put things back as soon as you’re done using them

    A tidy desk can brighten your outlook and boost your productivity.

    Source: American Psychological Association

    © 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

  • 3 Ways To Avoid Distractions At Work

    WORK LIFE

    Close up of hands typing on laptop keyboard.

    It’s a common problem: you need to focus on work, but you keep getting distracted. Here are three quick ways to focus and check things off your to-do list.

    1. Turn off the “rings” and “dings.” Turn off notifications for emails or texts on your phone before you start a task.

    2. Set a timer. Work blocks can be a valuable tool to help you get things done. Set a timer for 25-40 minutes and focus on one task during that time. When the timer goes off, take a 5-minute breather. Get a drink of water or go for a quick walk.

    3. Schedule email check times. Check your messages at scheduled times between work blocks. Spend a few minutes checking and responding. Then, set your timer and start another work block.

    Source: Society for Human Resource Management

    © American Institute for Preventive Medicine

  • 6 Tips To Become More Productive At Work

    WORK LIFE

    Image of women at work looking at notes posted on the wall.

    Productivity means you make the most of your time. You may get more done with less time or with fewer people. But it’s not just about being fast, it’s about maintaining quality too. Learning to be productive means you can showcase your talents and abilities by doing a great job with the resources and skills you have.

    Boosting productivity is often easier said than done. When you’re tired, distracted or simply don’t know how to organize your day, it can be hard to stay productive. Try these tips to make the most of your workday – and get more satisfaction out of your career while doing it!

    1.Break down big tasks.Large projects can be overwhelming, so we often put them off because we don’t know where to start. Instead of letting a large project sit on your to-do list, write down the first step you need to do to get it done. Make it something you know you can do, and set a deadline for yourself. Once that’s done, move on to the next step, and so on.

    2.Have real conversations instead of emailing.Email chains can become time-wasters and often lead to misunderstandings or missing information. When possible, talk to someone in person or on the phone instead of starting an email trail.

    3.Check email at set times.We can’t avoid email completely, but constant inbox chimes can quickly diminish your productivity. Instead of reading every email as it comes in, turn off your email program and only check it two to three times a day.

    4.Take quick breaks when you can.Back-to-back meetings or intense work sessions can drain you. But you don’t need to wait until your lunch hour to energize yourself. If you can, take a few moments to get up and walk around. Stretch at your desk or try deep-breathing exercises.

    5.Tackle those little things to clean up your to-do list.If you have a bunch of small, quick tasks nagging at you, set some time aside to get them done. Then you can focus on the bigger, more important things without other distractions.

    6.Set your own deadlines.If a task or project doesn’t have a due date, it’s easier to put off. Even if a specific deadline hasn’t been set, you can give yourself one. This helps you avoid hanging onto those things that sit undone for days or weeks.

    © American Institute for Preventive Medicine

  • Get Out Of Your Seat

    MEDICAL NEWS

    Image of women standing and talking on the phone.

    There are lots of things you can do to keep your body healthy. Eat nutritious foods like fruits and vegetables, get exercise, and see your doctor as needed for checkups. But the American Cancer Society says there’s something else we need to do: don’t sit so much.

    A large study showed that women who sat for more than six hours per day had a higher risk of cancer than those who sat for three hours or less. In addition, studies have found links between sitting for long periods and dying younger, the ACS says.

    But what if you have to sit for your job? There are some ways you can reduce your sitting time:

    *  Stand during conference calls.

    *  Take a quick standing or walking break every hour if you can.

    *  Park farther away from the building.

    *  Walk during your lunch break.

    Remember, every little bit helps. A few minutes of walking here and there can add up to big health benefits.

    © American Institute for Preventive Medicine

  • Piggy Bank Smarts

    FINANCIAL HEALTH

    Image of hand placing a dollar bill into a piggy bank.

    Smart money management begins at home. Washington University researcher Michal Grinstein-Weiss found that teaching kids about money in childhood helps them better manage their mortgage loans as adults. The study was in Social Work Research.

    The professor offers 5 ways parents can teach their kids financial literacy:

    1. Discuss and explain basic finances around the dinner table, especially the difference between needs and wants.

    2. Teach kids how to save and set short-term goals (a new toy) and long-term goals (college). Kids will follow by example if they see you saving for something such as a family vacation.

    3. Open a savings account for your child as early as possible. Even if you bank online, visit the bank with your child to make a deposit because actions reinforce behaviors. Review monthly statements together.

    4. Teach kids budgeting and money-management skills. Help your child figure out how much money to save for how long to reach a goal amount.

    5. Get kids involved in daily activities and decisions about spending. Take them grocery shopping and have them compare prices of different brands. Count out the cash during a sale.

    © 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

  • 4 Money Mistakes To Avoid

    FINANCIAL HEALTH

    Image of 3 friends.

    Little everyday choices can have a big impact on your finances. If you want to save more or spend less, think about whether you’re making any of these mistakes.

    Mistake #1: You put off saving money.

    Do you think that you can wait a few more months or even years before you need to save for retirement, your kids’ college or other future needs? Even if you can only put away a few dollars each week, start now. It can add up over time and the sooner you start, the more money you’ll have later.

    Mistake #2: You spend too much on “treats.”

    We all like to treat ourselves once in a while. But, if you’re spending money on treats often, such as going to the movies or buying yourself a new item, you could be creating money problems. Look for low-cost or free ways to reward yourself. Set aside some time with a friend, take a hot bath, watch a favorite movie at home or check out free museums and concerts.

    Mistake #3: You get lots of coupons in your mail and email.

    If you get catalogs in the mail and your inbox is filled with coupons and deals, this could be wrecking your money goals. After all, you may not need the items that are advertised. But, they look like such a good deal that you decide to buy them anyway. Do you really need another sweater or pair of jeans, or are you buying them because of the sale? Unsubscribe from email coupons and newsletters, and throw catalogs in the recycling bin. This can help lower the temptation to shop.

    Mistake #4: You don’t know how much money you really have.

    If you are struggling financially, it can be hard to look at your bank account balances. But, it’s better to know what you can afford than to go deeper into debt. Make a budget of what you have and what you can spend each month after bills are paid. Try to stick to your budget and find ways to cut out unnecessary items.

    © American Institute for Preventive Medicine