anxiety http://www.wisebread.com/taxonomy/term/10379/all en-US 5 Ways to Keep Anxiety From Ruining Your Budget http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-to-keep-anxiety-from-ruining-your-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends_women_jogging_538947995.jpg" alt="Friends keeping anxiety from ruining their budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Life gets tough sometimes. When work is overwhelming, you are fighting with your parents, and the news seems to get grimmer every day, you might find yourself shopping your way into a better mood or pulling the covers over your head and ignoring all of your responsibilities.</p> <p>Stress, anxiety, and depression affect all of us at some time or another. And whether you are dealing with occasional and momentary periods of stress, or you are in the grips of a long-term and serious depressive episode, your mental state can often wreak havoc on your finances. It's not easy to protect your budget from your anxiety's destructive impulses, but the following types of self-care will not only help you to feel better when stress strikes, but they will also protect your bottom line.</p> <h2>1. Recruit an Accountability Partner</h2> <p>Accountability partners are an important strategy for improving your finances. Not only does having a partner motivate you to stay on the straight-and-narrow while you pay down debt or increase your savings, but working with someone else can offer you encouragement when you are feeling down and add some fun to a long process.</p> <p>All of these benefits are also crucial if you are trying to keep your budget looking healthy while you're dealing with stress, anxiety, or depression. In the case of trying to keep your mental state from hurting your finances, your accountability partner may act a little bit more like a sponsor from a 12-step program. You can call that person when you are overwhelmed and count on her to remind you of why a shopping binge will not actually help you feel better.</p> <p>Obviously, you and your accountability partner need to be able to offer each other the emotional support you both need. In times of widespread anxiety, it can be a little more difficult to find a partner when everyone is feeling overwhelmed. However, leaning on each other is often a great way for two friends to both feel better and make the best financial choices for themselves.</p> <h2>2. Meditate</h2> <p>Mindfulness meditation has been proven to <a href="http://www.npr.org/sections/health-shots/2014/01/07/260470831/mindfulness-meditation-can-help-relieve-anxiety-and-depression">alleviate the symptoms</a> of both anxiety and depression. The focus of such meditation is to train your brain to remain in the moment, rather than obsess over the past or worry about the future. Such mindfulness will not only help you to put worries in perspective, but it can also help you to recognize the link between your emotions and your financially-destructive behavior.</p> <p>For instance, let's say that after a day of bingeing on news online, you badly want to put a lavish vacation on credit, just so you have something to look forward to. If you take 10 minutes to meditate instead, it can help you to see that your anxiety will not be helped by a vacation you can't afford. It will also allow you to feel your anxiety, rather than push it away, which is a much more productive method of getting past the negative feelings.</p> <p>If you have never meditated before, there are many <a href="http://www.nytimes.com/well/guides/how-to-meditate">beginner's guides</a> out there to teach you the practice of mindfulness.</p> <h2>3. Go for a Run</h2> <p>Exercise is the closest thing we have to a no-fail antidepressant. Research has shown that people are <a href="https://today.duke.edu/2000/09/exercise922.html">happier after breaking a sweat</a> than they were beforehand, even if they had to force themselves to go to the gym.</p> <p>In addition, an exercise habit can help you to avoid budget-destroying habits you might otherwise engage in, like retail therapy or a weekend-long Netflix marathon that keeps you from taking care of your grocery shopping and laundry.</p> <p>Of course, when you are in the midst of a deep funk, the idea of lacing up your sneakers and going out for a life-affirming run sounds about as enticing as getting a root canal. This is another place where your accountability partner can help you do what's best for you both. Set up a regular date to exercise together, and you will both get to enjoy the endorphins and the good company.</p> <h2>4. Volunteer</h2> <p>Depression, anxiety, and stress are often side effects of feeling helpless. When it feels as if you have little power over your circumstances, it's easy to retreat into bad and expensive habits to help yourself feel better.</p> <p>But there is always meaningful work that we can do to improve lives &mdash; even if we can't improve our own. That is why volunteering for a cause you believe in can be such an important tool in improving your outlook on the world. According to a 2008 study by the London School of Economics, people who volunteer <a href="https://www.ncbi.nlm.nih.gov/pubmed/18321629">experience greater happiness</a> than those who do not.</p> <p>The researchers theorize that volunteering makes you happier because it helps to put your situation in perspective. In addition, volunteering your time helps alleviate depression because it allows you to feel like you are a part of something important that is doing good in the world.</p> <h2>5. Engage in Productive Self-Care</h2> <p>Sometimes things feel so bleak that you really do need to retreat and take care of yourself. There is nothing wrong an occasional &quot;Stop the world, I want to get off!&quot; day for yourself. But there can be a fine line between healthy and productive self-care, and self-destructive wallowing. For instance, buying a bottle of nail polish might make you feel good, which could prompt you to keep buying to keep that good feeling going. Instead, you might be better served by inviting a friend over to paint your nails together.</p> <p>To make sure your self-care is helpful rather than harmful, start with your needs. Ask yourself what needs are not being met right now, and listen carefully to the answer that bubbles to the surface. Wallowing is often a passive reaction, whereas productive self-care is when you engage in fulfilling your unmet needs. Taking the time to think through what you need may help you realize that you don't actually want to go out drinking, but instead you need to talk with a good friend.</p> <h2>Don't Let Depression, Anxiety, and Stress Hurt Your Finances</h2> <p>When your thoughts get stuck in a hamster wheel of anxiety or depression, the easy method of handling your distress can often cause you financial stress. Being intentional and mindful about how you handle your negative mental states can help to alleviate your feelings of helplessness and keep your finances healthy.</p> <p>If you are experiencing severe depression and/or suicidal thoughts, please contact the National Suicide Prevention Lifeline at 1-800-273-8255.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-prevent-the-winter-blues-from-busting-your-budget">5 Ways to Prevent the Winter Blues from Busting Your Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier">Your Stressful Job May Be… Making You Healthier?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty Lifestyle anxiety bingeing budgeting depression exercise Help mental health overspending self care stress volunteering Tue, 06 Dec 2016 11:00:09 +0000 Emily Guy Birken 1843967 at http://www.wisebread.com Flashback Friday: 38 Ways to Get More Sleep Tonight http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-38-ways-to-get-more-sleep-tonight" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sleeping-587523170.jpg" alt="Woman finding ways to get more sleep tonight" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting a good night's sleep on a consistent basis will protect your physical health as much it'll protect your mental health. The problem is that with our super busy lives, sleep is always the first thing to suffer. It's time to stop making sleep an afterthought. Because it's so easy to regulate your sleep schedule with the right tools and strategies. Here are 38 ways to get more sleep tonight.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman-sleeping-460137233-small.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-ways-to-get-prettier-smarter-and-healthier-while-you-sleep?ref=fbf">6 Ways to Get Prettier, Smarter, and Healthier While You Sleep</a> &mdash; Wait, you mean you can improve your overall beauty, intelligence, and health while you sleep? Sold! These tricks will help you make it happen without breaking the bank.</p> <p><a href="http://www.wisebread.com/11-smart-ways-to-get-some-sleep-at-the-airport?ref=fbf">11 Smart Ways to Get Some Sleep at the Airport</a> &mdash; With the holidays coming up, many of us will have to resort to catching a few z's at the airport. It's not ideal, but also not impossible. Here's how to score a restful night of snoozing at the gate.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/man_tired_work_000075631055.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/3-ways-good-sleep-makes-you-wealthier?ref=fbf">3 Ways Good Sleep Makes You Wealthier</a> &mdash; In order to increase your overall wealth and achieve your financial goals, you need to be focused, patient, and driven. And it's very difficult to feel any of these things when you're running on a few hours of sleep and completely exhausted.</p> <p><a href="http://www.wisebread.com/7-ways-to-boost-your-finances-while-you-sleep?ref=fbf">7 Ways to Boost Your Finances While You Sleep</a> &mdash; Didn't think you could make extra cash while fast asleep, eh? Wrong! Here are seven ways to make your money work for you, so you can hit the hay.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sleep-177703194.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/get-better-sleep-with-these-5-great-sleep-tracking-apps?ref=fbf">Get Better Sleep With These 5 Great Sleep-Tracking Apps</a> &mdash; It's easier to focus on getting more sleep when you have apps that track your sleep patterns and tell you how you can improve. Knowledge is power, after all.</p> <p><a href="http://www.wisebread.com/6-foods-scientifically-proven-to-help-you-sleep?ref=fbf">6 Foods Scientifically Proven to Help You Sleep</a> &mdash; Eat more to get more sleep? Uh, yes please. Have any of these as a snack and you could sleep more soundly tonight.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty anxiety fbf flashback friday frugal living Health mental health more sleep relaxation rest self-care sleep stress Fri, 18 Nov 2016 11:00:14 +0000 Chrissa Hardy 1835392 at http://www.wisebread.com Flashback Friday: 84 Frugal Ways to Eliminate Stress http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-84-frugal-ways-to-eliminate-stress" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_meditating_grass_67536037.jpg" alt="Woman finding frugal ways to eliminate stress" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's no secret a lot of us are feeling extra stressed right now. The most important thing we can do in times of extreme stress is to practice self-care, and do what we can to eliminate the sources of stress and anxiety in our lives. Here are 84 frugal ways to lighten the load.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_meditating_work_000078035075.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress?ref=fbf">10 Frugal Ways to Reduce Workplace Stress</a> &mdash; Stress at work is probably the most common source of stress there is. And in those moments of stress at work, there are things you can do to take a step back and find that inner zen. Give these a try.</p> <p><a href="http://www.wisebread.com/13-cheap-ways-to-beat-stress?ref=fbf">13 Cheap Ways to Beat Stress</a> &mdash; The cure for stress isn't always an expensive massage or costly therapy sessions. There are frugal things you can do to combat the stress monster, and your wallet will appreciate that!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/father_son_fishing_70352103.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes?ref=fbf">Beat Stress With These 28 Inexpensive Pastimes</a> &mdash; Some of the most enjoyable and effective stress busters are the activities we've done since childhood. Go for a bike ride, take a moment to write, take an online class, or do a puzzle. There are so many, and all will make you feel better.</p> <p><a href="http://www.wisebread.com/turn-your-home-into-a-spa-with-these-5-frugal-stress-relievers?ref=fbf">Turn Your Home Into a Spa With These 5 Frugal Stress Relievers</a> &mdash; When you can't change your circumstances, you can change your environment. Give your home a soothing, spa-like feel and you'll instantly feel more relaxed.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_73912007_LARGE.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money?ref=fbf">8 Ways to Turn Your Stress Into Money</a> &mdash; Another way to battle that stress is to turn it into cash. Because when you're more financially comfortable, your stress instantly decreases. Money doesn't buy happiness, but it can reverse your stress.</p> <p><a href="http://www.wisebread.com/20-free-or-really-cheap-ways-to-relieve-stress?ref=fbf">20 Free (or Really Cheap) Ways to Relieve Stress</a> &mdash; Meditation, taking your dog for a walk, and rearranging your furniture are just a few ways to eliminate the stress in your life. And when you can do it for free, or very little money, why not try?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty anxiety fbf flashback friday frugal living Health meditation mental health relaxation self-care stress zen Fri, 11 Nov 2016 10:00:15 +0000 Chrissa Hardy 1830896 at http://www.wisebread.com Your Stressful Job May Be… Making You Healthier? http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/your-stressful-job-may-be-making-you-healthier" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_stressed_work_85247123.jpg" alt="Woman learning her stressful job might be making her healthier" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Yes, stress has a negative effect on our health. It can raise our blood pressure, increase the risk of heart disease, and contribute to obesity and other illnesses. And that may seem like reason enough to quit your high-pressure job, but before you throw in the towel and dust off your resume, there's something you should know about job-related stress.</p> <p>As much as you'd like to banish all that frustration from your life, consider that your constant 9-to-5 headache may be making you healthier. Yep, you read that correctly. Recent research found that a moderate amount of everyday stress has a surprising positive effect on the brain and body. Now, this doesn't mean you should run out and get the most stressful job you can find, or stay in occupations that push you over the edge. There's good stress and there's bad stress, and it's important to understand how each affects the human body. Chronic stress, which lasts for weeks or months, is bad stress, and can trigger long-term problems. But considering that our bodies are wired to react to stress, the everyday pressures you deal with at work aren't necessarily a bad thing. Here's why. (See also: <a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money?ref=seealso">8 Ways to Turn Your Stress Into Money</a>)</p> <h2>1. It Improves Brainpower</h2> <p>Whether you're facing tight deadlines or preparing for an upcoming meeting with a difficult client, these types of situations can increase your stress level and send you into panic mode. Every job has its fair share of pressure, and at times it can feel as if you have too much on your plate. These aren't the most favorable circumstances, but the upside is that manageable amounts of stress can improve your brainpower. This not only helps you perform better on the job, it also boosts cognitive function over time.</p> <p>The reason is that moderate stress encourages the production of neurotrophins, a type a brain chemical that supports the growth and survival of nerve cells. So while chronic stress slowly damages brain structure, research shows that short-term stress has the opposite effect and stimulates the growth of new brain cells. A study discovered that<a href="http://greatergood.berkeley.edu/article/item/the_surprising_benefits_of_stress">exposure to short-lived stress</a> triggered the development of new nerve cells in the brains of laboratory rats. After two weeks, the lab rats had improved mental performance. Researchers concluded that controlled, manageable stress on the job prompts a similar reaction in humans, improving our memory, concentration, and alertness.</p> <h2>2. It Boosts Your Immune System</h2> <p>Some people who battle ongoing stress notice a difference in their health because too much stress can suppress the immune system. This makes us more susceptible to illness and infections. But with regard to short-term stressors &mdash; such as those you might experience at work &mdash; these types of demands have the potential to reinforce or strengthen protective chemicals in your body, which can give your immune system a pick-me-up.</p> <p>High-tense situations set in motion a fight-or-flight response, which is a physiological reaction to a perceived threat. This is an inborn response that prepares your body to fight or flee impending danger. Your heart rate increases, your body releases adrenaline and extra sugar for energy, and you react more instinctively. According to a study by the Stanford University School of Medicine, the <a href="https://med.stanford.edu/news/all-news/2012/06/study-explains-how-stress-can-boost-immune-system.html">fight-or-flight response activated by short-term stress</a> not only jump-starts a spontaneous reaction from your body's resources, it also promotes stronger immune function, which makes it easier for your body to ward off and fight infections.</p> <h2>3. It Lowers Your Risk of Prolonged Stress</h2> <p>Short-term stress also increases resiliency and teaches you how to confront and tackle everyday pressures and demands. The first time you come up against a particular situation, you might crumble or think you don't have strength to handle the hurdle. But the more you face the problem and overcome the stressor, the easier it is to cope in the future.</p> <p>If you toughen up and develop positive strategies to manage your time and emotions, you're less likely to suffer from chronic stress. As a result, you decrease the risk of health problems triggered by prolonged stress, such as heart disease, cancer, and infections.</p> <h2>4. It Might Help You Live Longer</h2> <p>Do you want to live longer? Your stressful job might be the secret weapon. A study conducted by the Indiana University found that &quot;employees in stressful positions were a third <a href="http://time.com/money/4536431/stressful-job-health/">less likely to die than those with less strenuous jobs</a>.&quot; These findings might have you scratching your head, especially since we already know the negative consequences of stress, but the study also revealed that those in stressful positions who lived longer were also in control of their workflow.</p> <p>The study, which took place between 2004 and 2011 and included thousands of workers, concluded that participants who enjoyed greater flexibility in their stressful jobs were 34% less likely to have died than participants in high-pressure jobs who enjoyed little freedom. One theory is that participants with less control in their high pressure jobs were more likely to adopt unhealthy habits as a way to cope with their circumstances. These habits included overeating (which leads to obesity, high blood pressure, diabetes, and heart problems), and smoking, which increased the risk of cancer and other health problems.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-you-are-more-than-your-job">3 Reasons You Are More Than Your Job</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-important-reasons-to-always-call-in-sick-when-youre-sick">8 Important Reasons to Always Call In Sick When You&#039;re Sick</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress">10 Frugal Ways to Reduce Workplace Stress</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Health and Beauty anxiety depression frustration Health stress stressful job work work life balance Thu, 10 Nov 2016 10:00:07 +0000 Mikey Rox 1830273 at http://www.wisebread.com 8 Ways to Turn Your Stress Into Money http://www.wisebread.com/8-ways-to-turn-your-stress-into-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-turn-your-stress-into-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_73912007_LARGE.jpg" alt="turning stress into money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Are you prone to stress and anxiety? Do you believe it's holding you back from being successful in your career and making money? It doesn't have to be this way. In fact, when your <a href="http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes">stress and anxiety are properly managed</a>, there may be ways to turn them into positive things for you financially &mdash; like extra cash!</p> <p>Let's take a look at these ways you can turn stress into financial freedom.</p> <h2>1. Channel Your Stress Into Hard Work</h2> <p>Employers don't want their employees to be stressed out, but they do want people who care. So if you have a little bit of anxiety about your work, that could be a good thing. If you can find a healthy way to channel that stress into being productive and conscientious, it will pay off in the workplace. The chemical produced by stress can, at certain levels, actually enhance alertness, memory, and attention.</p> <p>Many managers even say that giving workers a small amount of anxiety can help them perform better overall.</p> <p>&quot;Without anxiety, little would be accomplished,&quot; David Barlow, founder of the <a href="http://www.fastcompany.com/3025488/how-to-be-a-success-at-everything/relax-being-anxious-makes-you-a-good-leader">Center for Anxiety and Related Disorders</a> at Boston University, told <em>Fast Company. </em></p> <h2>2. Turn Your Stress Into Excitement</h2> <p>Stress can be debilitating. But excitement can help you reach new heights. There's a fine line between stress and excitement, but researchers say you can often find ways to frame stress in a positive way. In her paper, &quot;Get Excited: Reappraising Pre-Performance Anxiety as Excitement,&quot; Alison Woods Brooks of Harvard Business School <a href="https://www.apa.org/pubs/journals/releases/xge-a0035325.pdf">argues that you can perform better</a> in a situation simply by repeatedly telling yourself, &quot;I am excited.&quot; And the more you do it, the more it helps.</p> <p>&quot;Highly skilled individuals may be more likely to say &lsquo;I am excited&rsquo; before they tackle challenging tasks. In this way, emotional self-statements could operate in an upward spiral process in which successful individuals are more likely to express excitement, and saying &lsquo;I am excited&rsquo; then improves subsequent performance,&quot; Brooks writes.</p> <h2>3. Get a Side Hustle or Second Job</h2> <p>For many people, stressful and anxious thoughts come during downtime. It's hard to worry about things when you're busy at work, and the stressful thoughts may only come when your brain has a chance to think. If this sounds like you, maybe a second job will help you stay busy and keep your mind from wandering into Stress Town. And if you're the type of person who gets stressed about never seeming to have enough money, a second job may be what you need. It doesn't have to be another full-time job. Maybe you can take up freelance writing or design, or a craft. Anything to stay busy, keep your mind off your troubles, and make a little extra money in the process.</p> <h2>4. Become a Good Leader</h2> <p>In his book, <a href="http://amzn.to/29I0g4t">My Age of Anxiety</a>, writer Scott Stossel argues that being anxious can be helpful to people in leadership roles. He said anxious people are more likely to be tuned into other people's emotions and social cues.</p> <p>In their book, <a href="http://amzn.to/29Whaep">Wiser</a><em>, </em>researchers Cass Sunstein and Reid Hastie argue that groups can make the best decisions when they are led by an anxious and detail-oriented person. So who knows? Maybe your stress is your ticket to becoming CEO.</p> <h2>5. Save and Invest Like Crazy</h2> <p>If you are prone to anxiety, you worry about the future. That means you're probably good at preparing yourself financially for the days ahead. You may have cash set aside for every conceivable emergency, and are aggressive about saving for retirement because you stress about running out of cash as you age.</p> <p>If this sounds like you, you're probably in great shape financially and may even become quite wealthy as your investments and savings grow over time.</p> <h2>6. Become a Pet Sitter</h2> <p>If you suffer from anxiety or high stress, there's a lot of evidence suggesting that time with a pet can help you. Studies show that pets can provide the kind of unconditional love that would benefit those with mental health conditions, and may even improve social interactions.</p> <p>Pets can often be creatures of routine, demanding to be walked and fed at certain times. Being forced into that kind of routine may also be helpful to those with stress and and anxiety.</p> <p>What's more, if you <a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">make money by walking pets</a>, you'll be getting some exercise, which is also beneficial when battling stress.</p> <h2>7. Channel It Into Something Creative</h2> <p>Perhaps you've found that your stress goes away when you play the guitar, or paint, or make pottery. Maybe you feel better when you act or dance. You may think of these activities as mere outlets for your stress, but they can be moneymakers. Make some music and join a band. Sell your artwork. Join a theatre company. Take that stress and go make some dough.</p> <h2>8. Blog About Your Stress</h2> <p>About <a href="http://www.nimh.nih.gov/health/statistics/prevalence/any-anxiety-disorder-among-adults.shtml">40 million adults in the United States</a> suffer from some sort of anxiety disorder, according to the National Institutes of Mental Health. That's a huge potential audience of people who may be looking to get advice, or simply connect with those who are going through similar challenges. Finding ways to write about your stress and anxiety may be therapeutic for you, and if the blog takes off, you can earn a little bit of cash in the process.</p> <p><em>What other ways can you channel stress into money? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-15"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-great-side-jobs-for-introverts">10 Great Side Jobs for Introverts</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle">5 Unexpected Side Benefits of Your Side Hustle</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-a-side-hustle-can-advance-your-career">8 Ways a Side Hustle Can Advance Your Career</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-you-really-make-a-living-as-an-ebook-writer">Can You Really Make a Living as an Ebook Writer?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Extra Income anxiety earnings extra income jobs part-time job side hustle side jobs stress stress relief workplace Wed, 20 Jul 2016 09:00:07 +0000 Tim Lemke 1755547 at http://www.wisebread.com Best Money Tips: Relieve Anxiety With These Soothing Apps http://www.wisebread.com/best-money-tips-relieve-anxiety-with-these-soothing-apps <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-relieve-anxiety-with-these-soothing-apps" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_music_52083516.jpg" alt="woman relieving anxiety with soothing apps on tablet" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on apps that help relieve anxiety, things that&rsquo;ll be less expensive this summer, and ways to stay safe with Airbnb.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.popsugar.com/smart-living/Apps-Help-Anxiety-41814545#photo-41814545">8 Apps That Relieve Anxiety</a> &mdash; Adult coloring books can help relieve stress. With Colorfly, you can color all you want on your smartphone or tablet! [PopSugar Smart Living]</p> <p><a href="http://www.moneyspruce.com/4-items-will-less-expensive-summer/">4 Items That Will Be Less Expensive This Summer</a> &mdash; There's a worldwide oversupply of milk, cheese, and eggs, which means prices are expected to drop through the summer. [Money Spruce]</p> <p><a href="http://frugalbeautiful.com/blog/stay-safe-airbnb/">How To Stay Safe With Airbnb</a> &mdash; Use the chat feature to get to know your host, and reach out to former guests, too, to find out what their experience was like. [Frugal Beautiful]</p> <p><a href="http://yesiamcheap.com/money-traps-you-should-never-give-in-to/">Money Traps You Should Never Give In To</a> &mdash; There are only a few situations where refinancing your mortgage will actually save you money. [Yes, I Am Cheap]</p> <p><a href="http://www.passionforsavings.com/12-creative-ways-save-christmas-now/">12 Creative Ways to Save for Christmas NOW!</a> &mdash; When you're shopping online, buy through a website that gives you cash back or gift cards for your purchases. [Passion for Savings]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.cheapism.com/blog/low-cost-airlines-14079/">What's the Best Low-Cost Airline?</a> &mdash; Don't just consider ticket prices when you want to save on airfare. Many budget airlines will charge extra for the amenities that most travelers want, but a few budget airlines still offer low base fares without charging you for everything else. [Cheapism]</p> <p><a href="http://www.stevenaitchison.co.uk/blog/10-things-never-say-someone-trying/">10 Things You Should Never Say To Someone Who Is Trying</a> &mdash; If someone you know if trying to change for the better, please don't say any of these things. [Change Your Thoughts]</p> <p><a href="http://canadianfinanceblog.com/talk-about-money-with-children/">Why You Need to Talk About Money With Your Children</a> &mdash; Kids need to understand how money works in the world, and you can help guide their view through regular conversations about money. [Canadian Finance Blog]</p> <p><a href="http://www.cultofmoney.com/2016/07/06/6-financial-habits-twenties/">6 Financial Habits for Your Twenties</a> &mdash; Make a plan for how you will spend your money. You don't need a super strict budget, but a spending guideline will help you make sure your bills are paid. [Cult of Money]</p> <p><a href="http://www.currentoncurrency.com/dont-make-5-health-insurance-mistakes/">Don&rsquo;t Make These 5 Health Insurance Mistakes</a> &mdash; Don't just focus on deductibles and premiums. You also need to consider copays, coinsurance and out-of-pocket expenses. [Current on Currency]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-relieve-anxiety-with-these-soothing-apps">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-score-free-rides-on-uber-lyft-and-sidecar">How to Score Free Rides on Uber, Lyft, and Sidecar</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-best-free-tools-to-improve-your-work-performance">The 7 Best Free Tools to Improve Your Work Performance</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-deal-when-your-spouse-is-suffering-from-burnout">How to Deal When Your Spouse is Suffering From Burnout</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-social-situations-all-introverts-fear">7 Social Situations All Introverts Fear</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-launder-money">How to Launder Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks anxiety apps best money tips Fri, 08 Jul 2016 09:30:33 +0000 Amy Lu 1747306 at http://www.wisebread.com 3 Reasons You Are More Than Your Job http://www.wisebread.com/3-reasons-you-are-more-than-your-job <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-reasons-you-are-more-than-your-job" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_time_out_73913133.jpg" alt="Woman learning reasons she is more than her job" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In a society where work means everything, retirement can sometimes lead to depression. Many Americans say they can't wait to retire, but the reality is that among men especially, <a href="http://www.thinkadvisor.com/2014/06/30/the-secret-sadness-of-retired-men">retirement can mean loss</a> &mdash; of identity, values, and more. When a retired person can't attach that identity to something else, he or she needs to find an outlet like gardening, traveling, or the like. Unfortunately, sometimes that feeling doesn't translate.</p> <p>That's why you should make sure that your identity isn't wrapped up in your work, no matter what stage you're at in your career. Don't let it define you, because when it's over, you'll feel lost, and like you don't belong anywhere. You see this played out a lot in sitcoms, when women let the men they're dating determine their identity. It's similar. You want to find your identity and then go after <a href="http://www.wisebread.com/my-2016-budget-challenge-does-taking-a-regular-day-job-mean-giving-up">what you're passionate about professionally</a>, not the other way around. It's hard when you're a fresh college graduate and you aren't sure what your future holds.</p> <p>But there is hope. Here are a few reasons that you should not let your job determine your identity. Just let it be a small part of what fulfills you.</p> <h2>You Have Other Interests</h2> <p>While you should always take pride in your work, you shouldn't let it determine how you feel about your life. The most important parts of your life are the things you love. Whether it be your friends or family or traveling or food, find a passion in something rewarding, but not necessarily financially feasible. You have to find something else that gets you out of bed every morning. And if what you're most passionate about does get you out of bed every morning, make sure you have a balanced life after work.</p> <h2>It Can Always Come to an End</h2> <p>You will never realize that your life is your job until you lose it. When you lose your friends, your after-work activities, and your lunchtime connections, it becomes harder to regain your composure and self-worth. Make time to have hobbies outside of work &mdash; volunteer, play sports, find a church, synagogue, or mosque &mdash; whatever might connect you with others. That way if something does happen, you have a support system to fall back on.</p> <h2>You Have to Put Yourself First</h2> <p>When the company you work for gets mixed up in something or is blamed for something and it hits the press, people think of you. And sometimes if you go to bat for the company, you are entangled in whatever is happening. This has happened to me before, especially when I worked with people who were litigious. Make sure you don't let how people feel about the place you work translate to how they feel about you. Business is just that, and you need to protect yourself, above all else.</p> <p>All of this is hard to stomach because, as Americans, we spend most of our lives thinking about what we want to be when we grow up, what we would rather be doing when we finally do grow up, and how we wish we had done one thing or another after we retire. Live life now, while you still can. Travel, read, and experience new adventures. Don't let your 9-to-5 take over your life, just let it fund your life.</p> <p><em>How do you determine your identity?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jennifer-holder">Jennifer Holder</a> of <a href="http://www.wisebread.com/3-reasons-you-are-more-than-your-job">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier">Your Stressful Job May Be… Making You Healthier?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress">10 Frugal Ways to Reduce Workplace Stress</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-deal-when-you-work-with-someone-you-hate">8 Ways to Deal When You Work With Someone You Hate</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/find-work-worth-doing">Find work worth doing</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income anxiety career depression job hunting job stress jobs sadness stress stress relief work Mon, 27 Jun 2016 10:00:08 +0000 Jennifer Holder 1738700 at http://www.wisebread.com 7 Social Situations All Introverts Fear http://www.wisebread.com/7-social-situations-all-introverts-fear <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-social-situations-all-introverts-fear" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/anxious_man_000050324690_0.jpg" alt="Man learning worst social situations for introverts" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Some of us are social butterflies, happily flitting from person to person in social gatherings and loving every minute of it. But not everyone is so comfortable in these surroundings. In fact, to some <a href="http://www.wisebread.com/6-reasons-introverts-make-the-best-employees">introverts</a>, social situations can be a living hell; particularly (but not limited to) these seven stressful situations for soloists.</p> <h2>1. The Wedding Speech</h2> <p>Whether you're the best man, the father or mother of the bride, or the maid of honor, a speech is mandatory. And as this is a wedding, although there is obviously room for sentiment and love, there is an expectation of humor; especially from the best man.</p> <p>Comedians spend years perfecting their skills in front of live audiences, testing material, and honing it until they get laughs. If you're chosen to do a speech, you have one shot at it. There are places to improve your skills, including local toastmasters clubs, but it's still nerve-racking for an introvert. With the entire wedding party looking your way, the cold sweats and shakes can come on quickly.</p> <p>If you want to get through this, practice, practice, practice. And unless you are 100% sure that your bawdy joke or embarrassing true story about the bride/groom will go over well, don't tell it. You do not want to upset the happy couple in front of everyone they care about.</p> <h2>2. The Long Elevator Ride</h2> <p>Or worse, trapped in an elevator&hellip; aargh! Elevators are not fun for introverts. They are small, claustrophobic spaces filled with strangers. Getting on at the first floor and riding to the very top can feel like an eternity. There is this pressure to acknowledge the other people, but if you make eye contact they may just want to have a little chat. That's when you, as an introvert, will be looking everywhere for a way out. Some people will get off on the wrong floor and walk the rest of the way, just to avoid the conversation with a complete stranger.</p> <p>If you take a daily ride in an elevator, and it takes more time than you're comfortable with, bring something to look at. A phone is great, and so is a magazine or newspaper. With your head buried, you can avoid conversations and eye contact.</p> <h2>3. Alone at a Bar</h2> <p>There is something that stings true whenever an introvert is alone at a bar, party, club, or any other place where people gather for fun and drinks; the worst time to feel alone is in a crowded room. For extroverts, it's no problem. If they're alone, they remedy that by talking to strangers, sparking up conversations, and dancing with people. Introverts don't have that ability.</p> <p>As an introvert, being alone in a crowded place is tough. Really tough. You see conversations everywhere. People are laughing and joking with each other, having a great time, and you're stood, or sat, cradling a drink and looking at the exit sign. It's not easy. If it's not too busy, talking to the person behind the bar can bring some relief, as you have a legitimate reason to interact. There's always the phone as a standby, but that can be depressing. Your best bet here is whenever possible, arrange to meet people at the place you're going, or always go out with a group.</p> <h2>4. The Eulogy</h2> <p>Seinfeld said it best: &quot;According to most studies, people's number one fear is public speaking. Number two&hellip; is death. Death is number two. Does that sound right? This means to the average person, if you go to a funeral, you're better off in the casket than doing the eulogy.&quot;&nbsp;</p> <p>As social situations go, this one already has some major baggage. There has been a death of a friend, relative, or loved one, which is bad enough. There are a whole lot of people gathered in one place, trying to make conversation to relieve some of the tension. And to top it off, making a speech to a crowd of people, many of whom you don't know, is a social nightmare of an introvert.</p> <p>Luckily, there is no pressure here to be funny, although you can be. But still, with all eyes on the speaker for a few minutes, this is not good for any introvert. Once again, you should definitely try your eulogy out on a few close friends, if you are nervous about it. At the very least, practice in front of a mirror, and work out any kinks. Plus, take note cards. No one will fault you for having a memory aid.</p> <h2>5. Packed Trains and Buses</h2> <p>Commuters who take the subways every day will know this pain all too well. Train compartments are not designed for personal space. They have seats, they have standing room, and at rush hour in big cities, they are filled to the brim with people trying to get to work, or get home. It's bad enough when you have to sit next to someone who is a chatterbox, but when you're standing elbow-to-elbow with a bunch of complete strangers, the anxiety can increase tenfold.</p> <p>These situations are definitely best handled with either reading material (a phone, paper, puzzle book) or music and headphones. If you are in your own world, people are less likely to try and start any kind of conversation with you. And of course, try and avoid eye contact; especially with those people who seem eager to chat your ear off.</p> <h2>6. Surprise Parties</h2> <p>Introverts often have to attend social functions, there's just no getting around them. But, with enough time to prepare for the event, it's something that can be dealt with. A surprise party eliminates that buffer, and throws a big social event at someone who may not be mentally ready to be there.</p> <p>Whether it's a birthday, a baby shower, a retirement, or anything else, these events put the introvert at the center of the gathering. The spotlight is on them, and they want to duck inside their shell and crawl away. If you are an introvert, you may want to drop hints that you <em>really </em>don't like surprises; especially surprise parties. If one is suddenly thrust upon you, take some deep breaths, smile, and try and find just a few people to focus on, instead of the whole crowd.</p> <h2>7. The Open Plan Office</h2> <p>So technically, this may not be a social situation like the others, but let's not beat around the bush&hellip; it forces introverts to be more social, regardless of how they feel about it. The basic issue is a lack of privacy. Introverts do not want to live their lives in public. They don't want to make calls in front of other people. They don't want to be seen doing their jobs, especially if the open plan makes it very easy to interrupt them with idle chit-chat.</p> <p>If you are an introvert in an open plan office, you need to find ways to get the personal time you need. Don't eat lunch at your desk; instead, find a way to take a walk or go somewhere else. Wear headphones if you can, or even ear defenders, to block out noise and create your own space. And find creative ways to build a more private area for yourself, even if it's in the way you position your computer or the furniture.</p> <p><em>What social situations are tough for you? How do you get through them?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/7-social-situations-all-introverts-fear">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-public-speaking-less-terrifying">How to Make Public Speaking Less Terrifying</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-deal-when-your-spouse-is-suffering-from-burnout">How to Deal When Your Spouse is Suffering From Burnout</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-best-hobbies-for-introverts">8 Best Hobbies for Introverts</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/using-these-5-words-will-help-you-feel-more-successful">Using These 5 Words Will Help You Feel More Successful</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/making-change-count">Making Change Count</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks anxiety awkward crowded introverts public speaking shyness social life Mon, 31 Aug 2015 11:00:28 +0000 Paul Michael 1538603 at http://www.wisebread.com How to Get Through a Tough Financial Emergency http://www.wisebread.com/how-to-get-through-a-tough-financial-emergency <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-through-a-tough-financial-emergency" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/stressed_man_employee_000053925904.jpg" alt="Man trying to get through a tough financial emergency" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We're all forced to deal with financial and other emergencies from time to time. It's not fun to think about, and we usually put off planning for it until it's too late. My husband and I recently experienced a family medical emergency and encountered a tough situation. We're both self-employed so this made everything even more financially stressful.</p> <p>We quickly learned that we were not prepared to weather a <a href="http://www.wisebread.com/is-your-emergency-fund-big-enough-to-keep-you-afloat">financial emergency</a>, but we have since begun taking steps to prepare. Here's how to get through a tough financial time without losing everything, and keeping your sanity and confidence intact.</p> <h2>1. Keep Things in Perspective</h2> <p>When you're going through a tough financial time it's important to stay positive and know that things will get better. Give yourself time to be frustrated, cry, scream, and then remain hopeful that the situation can only improve.</p> <p>Hope is the motivating force that will keep you in the right mindset, so you can successfully handle this situation. <a href="http://www.wisebread.com/stay-focused-300-tips-for-staying-focused">Focus on the positives</a> and view each day as a new chance to make everything better.</p> <h2>2. Surround Yourself With Positive Support</h2> <p>One of the best ways to keep a positive approach to life when you're having a tough time is to surround yourself with a <a href="http://www.wisebread.com/why-you-should-build-a-frugal-community-and-how-to-do-it">supportive community</a>. When you're struggling, you can reach out to your supporters for guidance and advice. They can also help you keep the situation in perspective, so it doesn't get blown out of proportion.</p> <p>Make sure your positive group of supporters are people you can trust and who have your back no matter what. Community organizations, religious groups or churches, and other social support mechanisms can also lend a financial hand during difficulties. Map out the community resources you can rely on to help you during lean times.</p> <h2>3. Create an Emergency Backup Plan</h2> <p>The best way to <a href="http://www.wisebread.com/5-emergency-situations-you-must-prepare-for-and-5-you-can-ignore">conquer an emergency situation</a> is to have a backup emergency plan in place. In case you don't have one already, now's the perfect time to create it.</p> <p>What's your process for an emergency situation? Will you rely on savings, take out a loan, or get a second job? Do you understand the exact resources at your disposal? By understanding the options available, you can more readily navigate a financial emergency.</p> <h2>4. Make Saving Money a Priority</h2> <p>It's no surprise that the <a href="http://www.wisebread.com/11-ways-life-is-amazing-with-an-emergency-fund">more money you save</a> the less stressful a financial emergency will be. Aim to make saving money your number one priority until you feel you have enough saved up that you can successfully weather an emergency.</p> <p>And don't worry, saving money doesn't have to be difficult. There are some <a href="http://www.wisebread.com/5-microsaving-tools-to-help-you-start-saving-now">new microsavings tools</a> that make putting away money for goals and emergencies, super simple. In fact, you may not even realize the money is missing. Get started with just $10 or $20 a week and then increase your savings as often as you can. Your bank account will be able to pay you back when you need it most.</p> <h2>5. Don't Stress Over What You Can't Control</h2> <p>If you can change it, take action. If you can't change it, stop stressing about it and let it go. This rule is a good one to live by when you're dealing with a tough financial time. Don't put yourself through the hell of endless worrying if you can't change the outcome.</p> <p>Deal with the results as best as you can, prepare for the worst case scenario, and then let it go. You can't control the job market, the economy, or when it will rain, so stop trying. You'll be much more successful (and at peace) if you learn to deal with what you can and stop stressing out over what you can't control.</p> <p>If you're facing a tough financial emergency, use these tips to build confidence and get back on track with your goals. Vow to make a plan for the future and remember to keep a positive outlook. With a positive attitude, the right kind of support, and a solid plan, you can get through any kind of tough financial spot.</p> <p><em>What financial setback have you experienced recently? How did you overcome it?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-smith">Carrie Smith</a> of <a href="http://www.wisebread.com/how-to-get-through-a-tough-financial-emergency">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-celebrities-with-shockingly-low-net-worths">6 Celebrities With Shockingly Low Net Worths</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-dumb-places-you-re-leaving-your-money">6 Dumb Places You’re Leaving Your Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-clear-out-financial-clutter">How to Clear Out Financial Clutter</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-finance-tips-you-wish-you-could-tell-your-younger-self">11 Finance Tips You Wish You Could Tell Your Younger Self</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-classic-personal-finance-books-you-must-read">The 8 Classic Personal Finance Books You Must Read</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance anxiety emergencies money stress support Wed, 22 Jul 2015 15:00:10 +0000 Carrie Smith 1493734 at http://www.wisebread.com 13 Cheap Ways to Beat Stress http://www.wisebread.com/13-cheap-ways-to-beat-stress <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/13-cheap-ways-to-beat-stress" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_meditating_000025216479.jpg" alt="Woman using cheap ways to beat stress" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you're dealing with work, school, or family drama, stress can drain your energy and kill your motivation. Everyone deals with stressful situations, and we all have our own way of getting through these hard times. Unsurprisingly, some people rely on retail therapy to calm their nerves and relieve stress. But while shopping might provide a temporary emotional high, spending money you don't have can add to your problem. Instead of pulling out your wallet and going on a shopping spree, here are 13 cheap <a href="http://www.wisebread.com/7-stress-free-ways-to-stay-productive-on-vacation">ways to beat stress</a>.</p> <h2>1. Go for a Walk</h2> <p>Any type of physical activity is a <a href="http://www.mayoclinic.org/healthy-living/stress-management/in-depth/exercise-and-stress/art-20044469">stress reliever</a>. Exercise might be the last thing on your mind, but moving around releases endorphins that can boost your mood and improve your attitude. If you feel better, it'll be easier to cope with stressful situations.</p> <h2>2. Declutter Your House</h2> <p>Take your mind off the situation with a much-needed chore around the house. Immerse yourself in a project, such as decluttering your closet, a room, or the garage. Our brains can only focus on one thing at a time, and if you're heavily involved in a project, it might be enough to take your mind off a stressful situation.</p> <h2>3. Meditate</h2> <p>Meditation produces a state of deep relaxation, bringing inner peace and calmness. It doesn't take long and you can meditate anywhere &mdash; while sitting in a chair, lying in bed, or taking a walk. Imagine something that brings you peace and focus all your attention on this image. Some research suggests meditation makes us more resilient to stress.</p> <h2>4. Write in a Journal</h2> <p>Getting your thoughts out on paper is another cheap stress buster. Keeping your feelings bottled up inside can heighten your level of tension. But if you get everything off your chest and write it down, you can uncover the root of stressful situations. You can also record potential solutions to your problems. You might feel less stress once you have a plan of attack.</p> <h2>5. Listen to Music and Reminisce</h2> <p>Put on your earphones and listen to music. Preferably&nbsp;music that brings to mind happy memories, or slow classical music, which helps <a href="http://journals.plos.org/plosone/article?id=10.1371/journal.pone.0070156">decrease stress hormones</a>.</p> <h2>6. Sit Outdoors</h2> <p>A change of scenery might do you good. If you're cooped up in the house and feeling stress, going outside and getting some vitamin D and fresh air can improve your mood and anxiety level. Sunlight can <a href="http://www.healthline.com/health/depression/benefits-sunlight">raise serotonin levels</a>, which helps regulate stress, anxiety, and depression.</p> <h2>7. Color or Paint</h2> <p>Exploring your creative side with art is not only fun but also therapeutic. You don't have to be a master artist or own a lot of art supplies to improve your stress level. A coloring book and some crayons are all you need. This activity takes your mind off your problems, plus coloring takes us back to childhood, a time when most of us were generally stress-free.</p> <h2>8. Let it Out</h2> <p>Whether you have to punch a pillow or scream at the top of your lungs, getting out your emotions and frustrations can provide stress relief. Your stress level can worsen if you keep intense feelings inside, but you might feel better or stronger once you vent your frustrations.</p> <h2>9. Take a Hot Bath</h2> <p>A warm, relaxing bath can calm your mind and relax tense muscles. Add some <a href="http://www.amazon.com/s/ref=as_li_ss_tl?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;field-keywords=lavender%20essential%20oil&amp;linkCode=ur2&amp;sprefix=lavender%2Caps%2C625&amp;tag=wisbre03-20&amp;url=search-alias%3Daps&amp;linkId=FE6QYKWJMVD4LTED">lavender oil</a> to your bathwater, light a scented candle, and play relaxing music in the background.</p> <h2>10. Take a Nap</h2> <p>It's hard to cope with stress when you're physically and mentally exhausted. Go to bed early or take a nap, and then deal with a stressful situation when you're in a better frame of mind.</p> <h2>11. Watch a Funny Movie</h2> <p>Find the most hilarious movie on Netflix or Hulu and laugh away your stress. Laughing and smiling is more powerful than you think. Both activities can stimulate the production of feel-good brain hormones. And when you're feeling good, stress won't get the best of you.</p> <h2>12. Spend an Evening Alone</h2> <p>Maybe you're overwhelmed with everything on your plate at work and at home. If you're getting pulled in different directions and you need time to clear your head, send everyone away and spend a day at home by yourself. Use this time to focus on activities you enjoy. Watch movies all day in your bathrobe, exercise, sleep, or just sit in a quiet house with no interruptions.</p> <h2>13. Get a Massage</h2> <p>Even if it's only for 30 or 45 minutes, a massage session eases tension in your muscles and can release dopamine, serotonin, and endorphins &mdash; improving your state of mind and lowering your stress level.</p> <p><em>Do you have other cheap ways to beat stress that you'd like to share? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/13-cheap-ways-to-beat-stress">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-stress-relief-items-you-need-in-your-life-that-are-under-20">8 Stress Relief Items You Need in Your Life That Are Under $20</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-free-or-really-cheap-ways-to-relieve-stress">20 Free (or Really Cheap) Ways to Relieve Stress</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress">10 Frugal Ways to Reduce Workplace Stress</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty anxiety cheap relaxation soothing stress relief Tue, 23 Jun 2015 21:00:19 +0000 Mikey Rox 1460790 at http://www.wisebread.com How to Deal When Your Spouse is Suffering From Burnout http://www.wisebread.com/how-to-deal-when-your-spouse-is-suffering-from-burnout <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-deal-when-your-spouse-is-suffering-from-burnout" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_couple_sunset_000041204266.jpg" alt="Woman and man who is suffering from burnout" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Burnout can be brutal. It kills your productivity, it makes you feel stressed all the time, it leaves you exhausted and detached, and it can make you question whether you have ever or will ever do anything of value.</p> <p>It's bad enough to find yourself in such a state, but it can be as bad or worse to find someone you love there. When that person is your spouse, someone you love deeply and with whom you are walking through life, it can cause all sorts of difficult feelings.</p> <p>You don't have to get stuck there, though. There are good ways to support yourself and your spouse when he or she is walking through a season of burnout.</p> <h2>1. Recognize It</h2> <p>Burnout can be misdiagnosed as depression (which often goes alongside it), anxiety, and other disorders. At its most basic, burnout is <a href="https://www.psychologytoday.com/blog/high-octane-women/201311/the-tell-tale-signs-burnout-do-you-have-them">a state of chronic stress</a> that, over time, leads to a whole host of other symptoms. Depression and anxiety can be part of those, but stress is at the core in burnout.</p> <p>Learn to recognize when your spouse is stressed. Different people respond differently to stressors, but you are in a position to know how your spouse responds. When you see this sort of stress over a period of time, tell your spouse what you have observed. If you can't do that, recognize that burnout may be on the horizon.</p> <h2>2. Don't Panic</h2> <p>Having someone close to you experience burnout can be terrifying. When they lose productivity, when it takes them forever to do something they once did easily, like write an e-mail or empty the dishwasher, it's easy to wonder if that person you love will ever come back, or if this is your new normal.</p> <p>When these feelings come, remind yourself that they are normal but that you don't need to panic. Burnout is serious, but it is a condition that rest and wise counsel can do much to alleviate. It may take a while, but your spouse will return. Hopefully, they will be happier and healthier on the other side of burnout, because they will have learned to care for themselves better.</p> <h2>3. Get Support</h2> <p>Walking through a spouse's burnout isn't easy, and you will need people to walk alongside you as you offer support, if you want your marriage to survive and grow. These can be friends, relatives, or even mental health professionals. In fact, you might be best served by getting support from all three.</p> <p>You will have a lot to talk about when it comes to your spouse's burnout, and it's important that you don't put too much of that on any one person, or that you ask friends for solutions or suggestions that only counselors can give. A counselor can help you figure out what you can and cannot offer your spouse during this time, what you need to do to take care of yourself, and whether there's anything you can change in your marriage that might help your spouse. Friends and family can help you implement these ideas, and can listen to your feelings.</p> <p>Occasionally, it may be appropriate for you to seek help for your spouse, too. If he or she is so burnt out that they can't even search for a counselor or figure out what the next step is, you may need to do that for them. In the end, though, it will help your spouse to seek out their own solutions, so do as little as possible in their name. Instead, encourage them to act on their own.</p> <h2>4. Encourage Them in Positive Directions</h2> <p>What your spouse needs will depend a lot on the details of their burnout. As their spouse, you can encourage them to move toward what they need. Maybe an extended vacation would help them get the rest they need, or spending more time with friends would help them leave their stress at work. Maybe they need to join a gym or a bowling league or a reading group.</p> <p>Whatever they need, you can encourage them in that direction. That doesn't mean you sign them up for things you think might be helpful, but that you listen to them (and to their therapist, if that is appropriate) and help them remember to take steps toward rest and relaxation rather than deeper into stress.</p> <h2>5. Don't Take Responsibility</h2> <p>Even though you want to do as much as you can to help your spouse, you need to remember that neither their descent into burnout nor their recovery depends on you. You are there to be a companion, to help them walk this hard road and to walk alongside them as appropriate, but it's not your fault. They aren't burnt out because of you and their recovery isn't in your hands, either.</p> <p>If you are doing well, it will be easy to try to drag your burnt out spouse up by their bootstraps to join you. This is taking too much on yourself, though. In the end, they need to walk through this dark place and come out of it on their own. If you do it for them, they may get better but they won't really recover. The truth is, they got themselves into this place and they need to get themselves out. Being their companion will help, but being their savior will not.</p> <h2>6. Take Care of Yourself</h2> <p>Having a spouse with burnout is hard. It's stressful for you and that takes its toll. If you are not careful to alleviate that stress, you risk falling into burnout or depression yourself. So figure out what you need to do to take care of you and then do those things, which may include exercising more, sleeping a little more, or spending intentional time with your friends.</p> <p>Going through a time where your spouse is burnt out can actually strengthen your marriage. In the end, you will both be stronger people and you will know that your relationship can survive hard things. Work toward this and that time of burnout doesn't have to be wasted time.</p> <p><em>Has your spouse suffered burnout? What helped you deal?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-deal-when-your-spouse-is-suffering-from-burnout&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Deal%2520When%2520Your%2520Spouse%2520is%2520Suffering%2520From%2520Burnout.jpg&amp;description=Americans%20Spend%20Less%20Than%20Other%20Countries%20on%20These%209%20Items"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Deal%20When%20Your%20Spouse%20is%20Suffering%20From%20Burnout.jpg" alt="How to Deal When Your Spouse is Suffering From Burnout" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/how-to-deal-when-your-spouse-is-suffering-from-burnout">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-be-happy-and-married-24-tips-from-a-24-year-old-marriage">How to Be Happy and Married: 24 Tips from a 24-Year-Old Marriage</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-signs-your-work-life-balance-is-off">9 Signs Your Work-Life Balance Is Off</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress">10 Frugal Ways to Reduce Workplace Stress</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/could-a-divorce-improve-your-finances">Could a Divorce Improve Your Finances?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-time-tested-ways-to-make-a-relationship-work">6 Time-Tested Ways to Make a Relationship Work</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks anxiety burnout marriage relationships stress Mon, 04 May 2015 17:00:23 +0000 Sarah Winfrey 1410063 at http://www.wisebread.com Depressed? It Could Be Your Debt http://www.wisebread.com/depressed-it-could-be-your-debt <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/depressed-it-could-be-your-debt" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/stress-4847397-small_0.jpg" alt="depression" title="depression" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As of July 2013, the average American credit card debt was $15,325, and the average student loan debt was $32,041. (See also: <a href="http://www.wisebread.com/how-much-does-your-credit-card-debt-cost-you">How Much&nbsp;Does Your Credit Card Debt Cost You?</a>)</p> <p>Reading those numbers makes me think about my own lingering student loan debt, and <em>that</em> gives me a clenching feeling in my stomach.</p> <p>As it turns out, I'm not the only one who feels stressed about debt. Moreover, for some people, debt might not just cause stress &mdash; it can also lead to depression and even poor phyisical health. This month, the journal &quot;Social Science &amp; Medicine&quot; reported that, <a href="http://www.sciencedirect.com/science/article/pii/S0277953613002839">in a study of 8,400 young adults</a>,</p> <blockquote><p>...high financial debt relative to available assets is associated with higher perceived stress and depression, worse self-reported general health, and higher diastolic blood pressure. These associations remain significant when controlling for prior socioeconomic status, psychological and physical health, and other demographic factors.</p> </blockquote> <p>And that financial strife doesn't just affect our personal lives. A study released earlier this summer also noted that financial arguments early in a marriage are the <a href="http://phys.org/news/2013-07-reveals-early-financial-arguments-predictor.html">number one predictor of divorce</a>.</p> <p>Basically, if you think that your finances are causing problems beyond your wallet, you're not crazy. And the faster you get out of debt, the faster you might be on the road to better mental and physical health. Take a look at this article on how to <a href="http://www.wisebread.com/how-to-start-fighting-debt-today">start fighting debt &mdash; today</a>. Or, if you're already working on paying down your debt, check out my piece on <a href="http://www.wisebread.com/15-ways-to-pay-back-student-loans-faster">15 ways to pay back student loans faster</a>.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/meg-favreau">Meg Favreau</a> of <a href="http://www.wisebread.com/depressed-it-could-be-your-debt">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-one-couple-paid-off-147k-of-debt-even-while-unemployed">How One Couple Paid Off $147k of Debt (Even While Unemployed)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards">The Best 0% Balance Transfer Credit Cards</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/whats-better-less-debt-or-more-savings">What&#039;s Better: Less Debt or More Savings?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt">The Fastest Way to Pay Off $10,000 in Credit Card Debt</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-private-lenders-that-can-really-save-you-money-on-your-student-loans">3 Private Lenders That Can Really Save You Money on Your Student Loans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management anxiety credit card debt depression student loans Tue, 20 Aug 2013 18:40:17 +0000 Meg Favreau 981403 at http://www.wisebread.com How to Control Anxiety and Start Enjoying More http://www.wisebread.com/how-to-control-anxiety-and-start-enjoying-more <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-control-anxiety-and-start-enjoying-more" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/5326405795_49c35d68d5_z.jpg" alt="smiling woman" title="smiling woman" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>My husband tells me I worry too much. I tell him he&rsquo;s right. I clench my fists when my plane takes off and lands, grab my husband&rsquo;s hand when turbulence hits, and gasp when he&rsquo;s driving and I think we&rsquo;re surely going to crash. While I wouldn&rsquo;t call my worrying extreme enough to constitute an actual <a href="http://www.webmd.com/anxiety-panic/guide/mental-health-anxiety-disorders">anxiety disorder</a>, I would agree that it could be tuned down a little. While scientists have found that learned experiences are only part of the <a href="http://www.livingwithanxiety.com/anxiety-causes.htm">cause of anxiety</a>, there are things you can do to &ldquo;unlearn&rdquo; your unhealthy worrying habits. (See also: <a href="http://www.wisebread.com/how-to-stop-worrying"><span style="text-decoration: underline;">How to Stop Worrying</span></a>)</p> <h3>1. Tell Yourself It&rsquo;s Out of Your Control</h3> <p>If you stop to think about it, the purpose of worrying is to prevent something bad from happening, whether it be a plane falling out of the sky, a car careening out of control, or something more mundane, like fumbling for words in front of your superiors at work. You can take precautions, like wearing a seat belt or practicing in advance; however, after a certain point, the situation is out of your hands. Reminding yourself of this simple fact can actually help you to stop worrying about the situation. This basic premise is acknowledged in the first line of the <a href="http://en.wikipedia.org/wiki/Serenity_Prayer">Serenity Prayer</a>.</p> <h3>2. Anticipate Situations and Prepare Accordingly</h3> <p>Conversely, if something <em>is</em> within your control, make sure you prepare accordingly. Although generalized <a href="http://healthland.time.com/2009/08/21/can-you-really-worry-yourself-sick/">worrying can be unhealthy</a> for you, focusing on what can go wrong and what you can do to prevent it or lessen the impact can actually be beneficial. This is known as having a solution-focused attitude, and it means concentrating on what you<em> can</em> do, rather than worrying about the potential fallout. Worrying about the possibility of technology failing (the projector won&rsquo;t work or the Internet is out, for example) during your big workplace presentation is unhealthy generalized worrying. At the same time, assuming that technology will fail and preparing a backup (hard copies of your presentation or a short spiel explaining that video that won&rsquo;t work) is an example of solution-focused thinking.</p> <h3>3. Trust Others</h3> <p>Often, I find myself worrying about things that are out of my control but <em>are</em> in control of another person. A good example of this is flying &mdash; what if the pilot makes an error? Another example is when my husband has a big opportunity at work, and I worry about whether he&rsquo;ll succeed. Both of these are illustrations of the unhealthy, generalized worrying discussed above, but they&rsquo;re also examples of trust issues. Other people are competent. They are trained, educated, and are vested in the success of what they&rsquo;re doing. Recognizing this can go a long way toward alleviating your concerns and improving your relationships with others as well.</p> <h3>4. Educate Yourself</h3> <p>Sorry to beat a dead horse, but to return to the example of worrying about plane flights &mdash; did you know the <a href="http://www.pbs.org/wgbh/nova/space/how-risky-is-flying.html">odds of an average American being killed in a plane crash</a> in any given year is about one in 11 million? Even if you calculate the odds differently (and there are a number of different, yet equally accurate, ways to calculate your chances of being involved in a crash), the bottom line is clear &mdash; flying is generally a less-risky mode of transportation. Just knowing the odds of something occurring can help you to worry less. It can also help you know if there are any precautions you can take (see #2 above). For example, knowing that <a href="http://www.forbes.com/2009/01/21/car-accident-times-forbeslife-cx_he_0121driving.html">49% of car crashes occur at night</a> could motivate you to limit long road trips to daytime hours. If you don&rsquo;t want to give up driving at night altogether, maybe the knowledge that <a href="http://www.forbes.com/2009/01/21/car-accident-times-forbeslife-cx_he_0121driving.html">two-thirds of nighttime car crash fatalities involve people who weren&rsquo;t wearing seatbelts</a> will convince you to buckle up, a preventative measure within your control.</p> <h3>5. Breathing Exercises</h3> <p>Ever heard of the <a href="http://science.howstuffworks.com/environmental/life/human-biology/fear2.htm">fight-or-flight response</a>? It&rsquo;s a physical reaction people experience when they feel threatened that causes, among other things, a rapid increase in heart rate and breathing. It can also be a response to worry. One result of the sudden increase in heart rate is that the brain is deprived of oxygen, and you experience a decreased ability to think clearly. Combat irrational worrying by practicing <a href="http://health.howstuffworks.com/wellness/stress-management/breathing-exercises.htm">breathing exercises</a> that can help slow your heart rate and restore your capacity for clear thinking. Try to clear your mind of everything and focus only on your breathing, taking in slow, deep, and regular breaths and exhaling completely.</p> <h3>6. Face Your Fears</h3> <p>When you worry too much, you condition your brain to expect terrifying results that are normally disproportionate with reality. You can recondition yourself to worry less by facing your fears, a tactic known to professionals as <a href="http://abcnews.go.com/Health/AnxietyTreating/story?id=4665240#.T8ZlZY4ydUQ">exposure therapy</a>. Sure, it&rsquo;s uncomfortable, but over time, you realize that bad things don&rsquo;t generally come to pass because you failed to spend enough time worrying about them. For anyone out there who is a jumpy backseat driver (you know who you are!), that means practicing sitting still while in a car over and over again &mdash; no gasping when the driver gets too close to the car in front of you, no clutching the door handles for support, and no offering words of &ldquo;advice&rdquo;!</p> <h3>7. Write Your Worries Down&hellip;And Then Forget About Them</h3> <p>This technique was inspired by the <a href="http://www.davidco.com/about-gtd">Getting Things Done</a> <a href="http://www.wisebread.com/time-management-tools-too-busy-to-read-this-post">time-management system</a>, which urges its users to capture every stray idea by recording it somewhere, so you can then forget about it altogether. The same tactic can be applied to worrying. Keep a &ldquo;worry journal&rdquo; to record the things that worry you. The act of writing your worries down can help soothe your fears. It can also help you pinpoint exactly what triggers your worrying and possibly help you identify solutions (back to the solution-focused attitude again!).</p> <h3>8. Set Aside Time to Worry</h3> <p>This might sound counter-intuitive, but if you only give yourself a limited amount of time to worry about something, you are acknowledging that something bad could happen, but you aren&rsquo;t letting it consume you. Try setting a timer for, say, ten minutes to think only about what&rsquo;s worrying you. Try to think only about that topic during that time. Once it&rsquo;s over, conversely, consistently remind yourself that you can think about that issue only during your designated &ldquo;worrying time.&rdquo; According to MSNBC (via <a href="http://lifehacker.com/5825023/set-aside-time-to-worry-to-reduce-stress-and-anxiety">Lifehacker</a>), a study using stimulus control therapy found that patients learned to associate a certain time and place with worrying, a result that strengthens the theory that you can condition yourself to save your worrying for later.</p> <h3>9. Take Care of Yourself</h3> <p>Studies show that <a href="http://www.6seconds.org/2011/10/03/exercise-and-emotional-wellbeing/">physically fit, well-rested people are less prone to anxiety</a>. It makes sense &mdash; the more run down you are and the less you value yourself, the more you feel badly about things. This just gives you yet another reason to <a href="http://www.wisebread.com/fitness-for-people-who-hate-exercise">get out and exercise</a> or (dog people, unite!) get a dog. According to several studies (via a <a href="http://well.blogs.nytimes.com/2011/03/14/forget-the-treadmill-get-a-dog/">New York Times</a><a href="http://well.blogs.nytimes.com/2011/03/14/forget-the-treadmill-get-a-dog/"> blog</a>), owning a dog motivates people to exercise more &mdash; about 30 minutes more per week on average. Don&rsquo;t forget to get in a healthy amount of sleep each night, too. According to the <a href="http://www.sleepfoundation.org/article/how-sleep-works/how-much-sleep-do-we-really-need">National Sleep Foundation</a>, adults need between seven and nine hours of sleep per night for peak mental health.</p> <h3>10. Don&rsquo;t Be Afraid to Seek Help</h3> <p>Of course, there&rsquo;s no shame in seeking professional help if you feel like your excessive worrying is out of control. Professionals provide neutral, third-party advice that can help you view a situation in a light you hadn&rsquo;t considered previously or, if your worrying is the result of a chemical imbalance, they can prescribe medication. Unsure of what type of professional help you&rsquo;re seeking? Check out this WebMD article on <a href="http://www.webmd.com/anxiety-panic/guide/how-to-find-therapist">how to find a therapist</a>, which clearly explains the many different professional labels in the field.</p> <p><em>What makes you worry, and do you think you worry too much? Share your thoughts in the comments!</em>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janey-osterlind">Janey Osterlind</a> of <a href="http://www.wisebread.com/how-to-control-anxiety-and-start-enjoying-more">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-stop-worrying">How to Stop Worrying</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-preserve-your-relationships-when-circumstances-change">How to Preserve Your Relationships When Circumstances Change</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-self-improvement-apps-to-make-you-smarter-stronger-and-happier">10 Self-Improvement Apps to Make You Smarter, Stronger, and Happier</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-improve-your-decision-making-skills">10 Ways to Improve Your Decision-Making Skills</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-deal-when-your-spouse-is-suffering-from-burnout">How to Deal When Your Spouse is Suffering From Burnout</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development anxiety dealing with stress stop worrying Fri, 29 Jun 2012 10:24:16 +0000 Janey Osterlind 932534 at http://www.wisebread.com The Key to Frugality: Avoid the Fear Tax http://www.wisebread.com/the-key-to-frugality-avoid-the-fear-tax <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-key-to-frugality-avoid-the-fear-tax" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/Fear Tax.jpg" alt="fear tax" title="fear tax" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Have you ever purchased something for one of the following reasons?</p> <ul> <li>If you didn't, you wouldn't look good enough.<br /> &nbsp;</li> <li>If you didn't, others might think less of you.<br /> &nbsp;</li> <li>If you didn't, you weren't rewarding yourself like you should be.<br /> &nbsp;</li> <li>If you didn't, you would be missing out on something more in life.<br /> &nbsp;</li> <li>If you didn't, you weren't safe enough.</li> </ul> <p>We all have. And probably multiple times every week. And we probably didn't think about it at the time we handed over our hard-earned money, but we were paying a tax on our fears. And in doing so, we were playing right into the hands of marketers and advertisers. Damn! (See also: <a href="http://www.wisebread.com/look-but-don%E2%80%99t-touch-avoiding-market-manipulation">Look, But Don&rsquo;t Touch: Avoid Marketing Manipulation</a>)</p> <h3>Almost every purchase has a fear tax option</h3> <p>Perhaps there are a few items out there still that don't have a fear tax on them, but in my little brainstorming session here, I'm having a hard time thinking of them. Sometimes these purchases are more expensive versions of necessities. Other times, they are the <a href="http://www.wisebread.com/what-you-need-vs-what-you-want-and-how-to-tell-the-difference">things we don't need at all</a>. There are the obvious ones:</p> <ul> <li>You want to have a nice looking vehicle because anything less might be looked down upon by neighbors, co-workers, or the next hot date, no?<br /> &nbsp;</li> <li>The shiniest, fastest, most advanced cell phone to stay on top of the latest trends.<br /> &nbsp;</li> <li>Your entertainment? HD and Blu-Ray is the wave of the future. You wouldn't want to get behind and miss out on the obvious upgrades.<br /> &nbsp;</li> <li>That custom tailored suit so that you can look the best in your next interview or business meeting.</li> </ul> <p>Then, there are some less obvious but incredibly costly purchases that you'll be taxed on:</p> <ul> <li>An MBA from a top 5 business school. Otherwise, why would the best employers want to bother with you?<br /> &nbsp;</li> <li>The extra $300k on your spouse's life insurance beyond what you realistically need if they were to pass away.<br /> &nbsp;</li> <li>That lower deductible on your car insurance, because why the heck would I want to pay $2,500 if I got in a total wreck?</li> </ul> <p>And even the most basic of necessities have a fear tax associated with them.</p> <ul> <li>The organic dog food vs. the regular version because Fido will be healthier and live longer.<br /> &nbsp;</li> <li>The organic human food vs. the regular so that you can live longer.<br /> &nbsp;</li> <li>That premium gasoline so that your vehicle's engine lasts longer.<br /> &nbsp;</li> <li>And don't forget the 2-ply toilet paper, because one is never enough!</li> </ul> <h3>Is overcoming the fear tax the key to frugality?</h3> <p>Not 100%, but it sure is a huge part of it. There are smart frugal things you can do to shop for the lowest price, cut down your total consumption, reuse things, etc. &mdash; but even then, the fear tax is at least an influencer in all of those strategies.</p> <h3>So how do you become '&quot;fear tax exempt&quot;?</h3> <p>It takes years of training, goof-ups, and trial, but it all starts with one simple question you should ask yourself every time you are about to complete a transaction:</p> <p><em>&quot;Am I purchasing this (or paying too much) out of fear?&quot;</em></p> <p>If the answer is no, then congratulations.</p> <p>If the answer is yes, the follow-up question you may want to ask yourself is:</p> <p><em>&quot;Is it worth it?&quot;</em></p> <p>Overly simple? Yes. But it's a practice that many of us forgo all to often.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ge-miller">G.E. Miller</a> of <a href="http://www.wisebread.com/the-key-to-frugality-avoid-the-fear-tax">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-think-like-a-billionaire-when-you-re-broke">How to Think Like a Billionaire When You’re Broke</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-simple-ways-to-split-bills-with-your-spouse">3 Simple Ways to Split Bills With Your Spouse</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/its-the-21st-century-why-is-your-money-stuck-in-the-20th">It&#039;s the 21st Century — Why Is Your Money Stuck in the 20th?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ow-do-you-deal-with-family-members-who-are-bad-at-managing-money">How Do You Deal With Family Members Who Are Bad At Managing Money?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-millennials-have-changed-money-so-far">6 Ways Millennials Have Changed Money (So Far)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle anxiety fear frugal tips Tue, 14 Sep 2010 12:00:17 +0000 G.E. Miller 235549 at http://www.wisebread.com Focus Focus Fo....What Was I Saying? http://www.wisebread.com/focus-focus-fowhat-was-i-saying <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/focus-focus-fowhat-was-i-saying" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/bang head here.gif" alt="" title="" class="imagecache imagecache-250w" width="250" height="249" /></a> </div> </div> </div> <p> <meta http-equiv="CONTENT-TYPE" content="text/html; charset=utf-8" /><br /> <title></title><br /> <meta name="GENERATOR" content="OpenOffice.org 3.0 (Win32)" /></p> <style type="text/css"> <!-- @page { margin: 0.79in } P { margin-bottom: 0.08in } --><!-- @page { margin: 0.79in } P { margin-bottom: 0.08in } --> </style></p> <p style="margin-bottom: 0in;">We as a nation are looking at finances in a way we might not have ever done in the past. Having to analyze our bills, pay close attention to our usual spending <a href="http://www.wisebread.com/5-personal-finance-tips-you-dont-always-hear-about">habits,</a> and learn the hard lessons of frugality and good credit scores in a short period of time can wear just about anyone down. It is never easy starting over and in many cases, we as consumers are having to &ldquo;start over&rdquo; in some aspects. With the crazy economy and unfortunate job loss tallies, we are often overwhelmed with the amount of life lessons we need to relearn. We essentially have to figure out how to live life again and that can be stressful.</p> <p style="margin-bottom: 0in;">When life gets overwhelming, we need to focus on things one at a time. Unfortunately for many of us, we live chaotic schedules and find we must often multitask to keep feeling accomplished. This multitasking may seem affective but will eventually take its toll. It is difficult to think that we actually need to slow down and re-prioritize our lives but that is exactly what we need to do in order to take stock of our lives, review our personal financial health, and keep our own health in check. With so many of &ldquo;average&rdquo; Americans on stress medication and blood pressure pills, it is more than apparent we as a society need to slow down. Slowing down on a national level isn't likely anytime soon but you can learn to start these pacing habits at home for the good of you and your family.</p> <p style="margin-bottom: 0in;"><strong>Here are some tips to help you learn how to pace yourself. Most of these tips can be easily inserted into your daily life right now and give long-lasting effects. </strong></p> <p style="margin-bottom: 0in;"><em><strong>Prioritize</strong></em> &ndash; Okay, so you've got a lot going on in your life each day but do your really know what is going on? Taking the time to prioritize your life each day can help you actually see all the things your feel responsible for accomplishing. Putting your to-do's in ink may help you realize your to-do list is entirely too long. Look at the things that encompass basic needs: food, shelter, clothing. Prioritze from there. Make sure you are paying the <a href="http://www.wisebread.com/how-to-check-if-your-mortgage-statement-is-correct">mortgage</a> and utilities, have something to make for dinner, and your family has clean clothes. After that, prioritize what is left over in the order of importance. Then look over your list and see what really isn't that important but still causes you stress. Having a list in ink also help you feel accomplished each time you check off another item.</p> <p style="margin-bottom: 0in;"><em><strong>Delegate</strong></em> &ndash; If you have seemingly a million things going on each day, the chances are great that all these tasks are not yours alone. Unless you get paid to do all of these tasks for others because it is how you make your living, you are liking picking up the slack for family and friends. Instead of stressing yourself out on behalf of others, start handing out to-do lists to others. Face it, those who burden you with things to do don't feel much guilt so neither should you. Make mini to-do lists for kids and your spouse. It may be initially hard to let go some control but if you want to live a more stress free life, you'll learn early on that you can't do everything and will respect everyone else's efforts.</p> <p style="margin-bottom: 0in;"><em><strong>Unwind</strong></em> &ndash; People who work all day, even through lunch times and other supposed periods of rest, are not doing themselves much good by not stopping for deserved break from time to time. If you go, go, go and don't stop to unwind, your body may be the thing that ultimately slows you down. Take time each day to eat at least one decent meal while not on the run and at the end of each evening, turn off the distractions (tv's, phones, music) and just focus on your breathing for at least 10 minutes before going to bed.</p> <p style="margin-bottom: 0in;"><em><strong>Just Say No</strong></em> &ndash; If you are a &ldquo;yes&rdquo; person, it is likely that you find it hard to say &ldquo;no&rdquo; and even more likely that most people already know you will say yes so they come to you for help. While there is nothing wrong with helping others, there is only so much you can do. If you are feeling stressed and overwhelmed and someone asks you to do something, don't be afraid to decline. Simply explain that you have a lot on your plate at the moment and that you will be more than happy to help in the future if need be. If you are upfront and honest, most people will be more than understanding. Those that aren't will eventually get over it. It's up to you to protect your health, your time, and your life in general.</p> <p style="margin-bottom: 0in;"><em><strong>Press Stop</strong></em> &ndash; If you find that you are just entirely too stressed out about certain tasks you usually complete, such as paying bills or balancing your checkbook, just press the stop button and formulate a plan to find someone else to tackle the task. Have your spouse take over the bill paying or grocery shopping on a permanent basis if you just can't do it any longer. Stop signing your kids up for every extra-curricular activity at school and spend some old-fashioned quality time with the family instead of chauffeuring them around town all week.</p> <p style="margin-bottom: 0in;">Only you will know when you are at your breaking point and there is no point in getting yourself out of whack when you really do not have to be. If you allow yourself to change your thinking and you are really committed to making strides to reduce your stress and the chaos of your day, than you can incorporate <a href="http://www.wisebread.com/organized-tips-on-getting-through-tough-times">healthier habits</a> into your life right now. It is all a process but one that might be worth a try.</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tisha-tolar">Tisha Tolar</a> of <a href="http://www.wisebread.com/focus-focus-fowhat-was-i-saying">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-key-to-frugality-avoid-the-fear-tax">The Key to Frugality: Avoid the Fear Tax</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-reasons-being-a-millionaire-is-overrated">5 Reasons Being a Millionaire Is Overrated</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle anxiety changing habits delegating prioritizing relaxation stress Tue, 03 Feb 2009 04:13:32 +0000 Tisha Tolar 2806 at http://www.wisebread.com