Health http://www.wisebread.com/taxonomy/term/14/all en-US 8 Signs It's Time to Retire http://www.wisebread.com/8-signs-its-time-to-retire <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-signs-its-time-to-retire" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/senior_woman_relaxing_0.jpg" alt="Senior woman relaxing" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There will come a time when you consider making the shift from worker bee to retiree. But knowing the best moment to stop working is not always easy to determine. How do you know whether your money will last once you stop earning a salary? Is there a &quot;magic age,&quot; when retiring makes sense, or do you just go with a gut feeling?</p> <p>There's no science to knowing when to retire, but there may be some signs to follow. If most or all of these apply to you, maybe it's time to submit that resignation and begin the next chapter of your life.</p> <h2>1. You have enough money for the retirement you want</h2> <p>It's impossible to know precisely how much you'll need in retirement, but there are some basic calculations you can make to see how long your money will last if you stop working.</p> <p>You must first calculate what your annual living expenses will be. Research shows that people tend to spend less as they get older, but be sure to factor in the potential costs of new activities like travel, eating out, and caring for grandchildren. Then, examine how much money you have saved, and what the return on that money might be as you age. Match those numbers up with your expected life span. There are other things to consider, such as whether you plan to draw equity from your home. There are many online calculators that can help you with these figures.</p> <p>Generally speaking, if you take the annual expenses you expect and multiply them by 25, you'll be in the ballpark of what you need to retire comfortably. Once you are approaching this number, it may be a sign that you can stop working. (See also: <a href="http://www.wisebread.com/6-ways-you-can-cut-costs-right-before-you-retire-0?ref=seealso" target="_blank">6 Ways You Can Cut Costs Right Before You Retire</a>)</p> <h2>2. You must collect distributions from your retirement plan</h2> <p>If you have a 401(k) or IRA, there comes a point at which you are required to take distributions. For most people, this age is 70-&frac12;. You can delay taking 401(k) distributions until after you stop working, but not for the money in a traditional IRA. If you are being forced to take distributions, there's not much incentive to continue working.</p> <h2>3. You can collect the maximum in Social Security</h2> <p>The government incentivizes people to retire later by offering them more money from Social Security if they wait longer to collect it. You can begin collecting benefits as early as age 62, but those benefits will be higher if you wait longer. Those approaching retirement age can get full benefits if they wait until age 67, and may get additional credits if they wait until age 70. If you're already getting the maximum benefit from the government, perhaps it's a sign that you're ready to retire for good. (See also: <a href="http://www.wisebread.com/6-smart-ways-to-boost-your-social-security-payout-before-retirement?ref=seealso" target="_blank">6 Smart Ways to Boost Your Social Security Payout Before Retirement</a>)</p> <h2>4. Your expenses are the lowest they've been in years</h2> <p>Your house is completely paid off. The kids are out of the house and college is paid for. You're not yet at the point where you have high medical expenses. Your cost of living hasn't been this low in decades. Sure, you may have big ticket things you want to pay for (travel, for example), but your day-to-day existence no longer requires a bi-weekly paycheck. It's still important to assess whether you have enough saved to last, but if you've downsized your lifestyle to a super-low level, it may no longer be necessary to keep working.</p> <h2>5. You no longer get any pleasure from work</h2> <p>We've all heard stories about older people who continue working simply because it makes them happy. Often, working gives them purpose and a sense of satisfaction that can't be replaced in retirement. But what if you're not one of these people? What if the work itself isn't rewarding, and you find yourself drained rather than energized by it? Then it may be time to consider retiring, assuming that your financial ducks are lined up well. Life is too short to work at an unsatisfying job if you don't have to.</p> <h2>6. Your health is starting to decline</h2> <p>In a perfect world, you will be healthy and spry enough to take advantage of all that retirement can offer. You will be perfectly able to handle that long bike tour through the south of France, and those backpacking trips on the Pacific Crest Trail. You'll have energy to spend time and keep up with your grandkids. But, if you are starting to see your health fade, perhaps it's time to stop working before you're unable to enjoy retirement the way you wish.</p> <h2>7. Your spouse wants you to</h2> <p>If your significant other is done working and has an urge to begin the next chapter of their life, perhaps it's that time for you as well. Many of the happiest retired couples are those that retire at the same time, and make post-work plans together. How fun is your spouse's retirement going to be if you're still schlepping into the office every day? (See also: <a href="http://www.wisebread.com/5-money-conversations-couples-should-have-before-retirement?ref=seealso" target="_blank">5 Money Conversations Couples Should Have Before Retirement</a>)</p> <h2>8. You are confident in your post-work plans</h2> <p>Many people continue working because they honestly don't know what they'd do otherwise. But if you have mapped out your retirement life, have a good sense of how you'll fill your days, and feel excited about what you want to do, that's a sign you may be ready to retire. If work is actually preventing you from moving forward on your plans, maybe it's time to think seriously about stopping work, assuming you are also ready financially.</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%2F8-signs-its-time-to-retire&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Signs%2520Its%2520Time%2520to%2520Retire.jpg&amp;description=8%20Signs%20Its%20Time%20to%20Retire"></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/u5180/8%20Signs%20Its%20Time%20to%20Retire.jpg" alt="8 Signs It's Time to Retire" 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/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/8-signs-its-time-to-retire">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-face-these-7-scary-facts-about-retirement-saving">How to Face These 7 Scary Facts About Retirement Saving</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/three-of-the-toughest-decisions-youll-face-in-retirement">Three of the Toughest Decisions You&#039;ll Face in Retirement</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/6-age-milestones-that-impact-your-retirement">6 Age Milestones That Impact Your Retirement</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/these-5-expenses-will-probably-cost-you-a-lot-less-in-retirement">These 5 Expenses Will Probably Cost You a Lot Less in Retirement</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/9-expensive-mistakes-of-the-newly-retired">9 Expensive Mistakes of the Newly Retired</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Retirement 401(k) downsizing expenses Health leisure required minimum distributions saving money social security working Thu, 14 Sep 2017 08:00:06 +0000 Tim Lemke 2020506 at http://www.wisebread.com 10 Ways to Relieve Your Money Stress http://www.wisebread.com/10-ways-to-relieve-your-money-stress <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ways-to-relieve-your-money-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_grass_music_471950448.jpg" alt="Woman relieving her money stress" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Money is a big part of our lives. It's involved in almost all of our daily interactions, in one way or another. But money is also a big cause of stress. In fact, it's the <a href="http://www.apa.org/news/press/releases/2015/02/money-stress.aspx" target="_blank">leading cause of stress</a>, according to a 2015 survey conducted by the American Psychological Association. You can't avoid dealing with money, but you can learn how to de-stress with these doable methods.</p> <h2>Where is this financial stress coming from?</h2> <p>Stress about money is greater if you're facing a financial crisis or living in a lower-income household. However, you may have plenty of money and still feel significant stress. That's because the <a href="http://view.ceros.com/ubs/investor-watch-treadmill/p/3" target="_blank">underlying cause of financial stress</a>, even for millionaires, is fear: either fear of not having enough money, or of doing the wrong thing with the money you do have and losing it all. Fear affects all of us, which means that no one is immune to financial stress.</p> <h2>What is stress doing to you?</h2> <p>While stress can have some <a href="https://www.sciencedaily.com/releases/2016/11/161114115346.htm" target="_blank">unexpected positive effects</a>, such as motivating you to save more money, the overall impact is negative. Financial stress is associated with&nbsp;<a href="https://search.proquest.com/openview/56c30fe9789aea1d19e18d668beb19ea/1?pq-origsite=gscholar&amp;cbl=38873" target="_blank">absenteeism at work</a>,&nbsp;<a href="http://theses.lib.vt.edu/theses/available/etd-4198-155242/" target="_blank">and lowered productivity</a> and performance at work. In addition, financial stress could actually be&nbsp;<a href="https://www.scientificamerican.com/article/financial-stress-hurts-literally/" target="_blank">causing you physical pain</a>. (See also: <a href="http://www.wisebread.com/4-ways-stress-is-killing-your-finances?ref=seealso" target="_blank">4 Ways Stress Is Killing Your Finances</a>)</p> <h2>How to effectively de-stress</h2> <p>Financial stress is basically an unavoidable part of life. That's the bad news. The good news, however, is that you can learn how to reduce and manage the stress you experience with these easy methods. (See also: <a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments?ref=seealso" target="_blank">7 Ways to Stay Calm in Stressful Moments</a>)</p> <h3>1. Talk it out</h3> <p>One of the easiest, fastest, and best ways to reduce the stress you feel is simply to <a href="http://www.apa.org/news/press/releases/2015/02/money-stress.aspx" target="_blank">get emotional support from someone</a> you know and trust. It can be as simple as a text or phone call to talk about what's stressing you out. Opening up with trusted friends or family leads to reduced stress and helps you feel like you're not alone. Bonus: you may also benefit from tips and good advice you receive.</p> <h3>2. Create art</h3> <p>Break out the paint, the markers, or just write. Really, the kind of art you make doesn't matter. It's the time and attention spent making art that does. Making art has been shown to significantly reduce cortisol, which is a hormone associated with stress. In various studies, <a href="http://www.tandfonline.com/doi/full/10.1080/07421656.2016.1166832" target="_blank">45 minutes to an hour of art making</a> left people feeling more relaxed, stress-free, and able to concentrate.</p> <h3>3. Meditate</h3> <p>Mindfulness in any form is good for reducing stress, and meditation may be the most powerful method for improving mindfulness in your life. There are many different types of meditation you can do, and any of them can help you focus on the present, reduce negative emotions, gain perspective, and manage symptoms of depression and tension headaches. (See also: <a href="http://www.wisebread.com/6-ways-meditation-can-make-you-a-money-master?ref=seealso" target="_blank">6 Ways Meditation Can Make You a Money Master</a>)</p> <h3>4. Exercise</h3> <p>Exercise &mdash; in particular aerobic exercise such as walking or jogging &mdash;&nbsp;<a href="https://www.health.harvard.edu/staying-healthy/exercising-to-relax" target="_blank">reduces stress hormones</a> adrenaline and cortisol in the body. Exercise also helps your body produce endorphins, which lessen pain and elevate your mood. Of course, a bonus is that you'll be in better physical shape and increase your overall energy and stamina. Those benefits, along with feeling more powerful and in control, will also help reduce stress, so exercise becomes a positive stress-reduction cycle. (See also: <a href="http://www.wisebread.com/10-surprising-non-physical-benefits-of-exercise?ref=seealso" target="_blank">10 Surprising, Non-Physical Benefits of Exercise</a>)</p> <h3>5. Replace your thoughts</h3> <p>An approach from the Cognitive Behavior Therapy playbook referred to as&nbsp;<a href="https://www.psychologytoday.com/blog/in-therapy/201606/talking-about-money" target="_blank">Negative Thought Replacement</a> can help you deal with those nagging money worries that turn into a never-ending mental monologue. Start to notice the negative phrases and beliefs that run through your head; you can even write them down to &quot;see&quot; them more clearly. Then, come up with phrases and statements that are positive and say those instead. For example, &quot;I don't know what I'm doing with money,&quot; could become, &quot;I'm learning how to manage my money.&quot; (See also: <a href="http://www.wisebread.com/4-ways-your-mind-can-make-you-rich?ref=seealso" target="_blank">4 Ways Your Mind Can Make You Rich</a>)</p> <h3>6. Get off social media</h3> <p>Social media isn't a cause of stress for everyone; however, for some people, it can be. Research shows that when social media leads to an increased awareness of stress or crisis in the lives of others, that awareness can trigger more stress in some people. It's referred to as &quot;<a href="http://www.tandfonline.com/doi/full/10.1080/07421656.2016.1166832" target="_blank">the cost of caring</a>;&quot; it's as if stress becomes contagious and is transferred through these social media connections. If you find yourself feeling more worried and upset after being on social media, try taking a break. Piling other people's stress on top of your own isn't healthy. (See also: <a href="http://www.wisebread.com/5-ways-to-break-your-social-media-habit?ref=seealso" target="_blank">5 Ways to Break Your Social Media Habit</a>)</p> <h3>7. Listen to music</h3> <p>Music is therapy. There's plenty of research showing that listening to music can help lower your stress levels. In some cases, having background music, like Pachelbel's Canon, helped <a href="https://greatist.com/happiness/unexpected-stress-busting-power-music" target="_blank">reduce anxiety, heart rate, and blood pressure</a>. In other situations, music can decrease pain and anxiety, and help improve moods. So find your favorite soothing or upbeat tunes and listen while you work, play, or just sit and breathe.</p> <h3>8. Breathe deep</h3> <p>Deep breathing works anytime, anywhere. On a bus? In a car? On a plane? In a house? With a mouse? Dr. Seuss-isms aside, deep breathing works and is always available &mdash; no equipment required, other than your own lungs. <a href="https://www.stress.org/take-a-deep-breath/" target="_blank">Deep breathing triggers relaxation</a> in your body and, as a result, your heart rate slows, your muscles relax, and your blood pressure and metabolism decrease; all these physiological changes bring about a state of calmness. Try taking a deep breath in as you count to seven; then slowly exhale to a count of eight. Do five deep breaths for a full set. (See also: <a href="http://www.wisebread.com/you-might-be-breathing-wrong-heres-what-you-should-do-instead?ref=seealso" target="_blank">You Might Be Breathing Wrong &mdash; Here's What You Should Do Instead</a>)</p> <h3>9. Laugh it off</h3> <p>Laughter is the best medicine, as it turns out; at least for stress. Laughter soothes tension, induces muscle relaxation, and enhances your intake of oxygen. Basically, you get the benefits of deep breathing, while also kicking up the endorphin production in your brain. Reducing your stress could be as simple as turning on a sitcom you love, playing a funny game, or getting together with that one friend that always makes you laugh. (See also: <a href="http://www.wisebread.com/10-serious-health-benefits-of-laughter?ref=seealso" target="_blank">10 Serious Health Benefits of Laughter</a>)</p> <h3>10. Pet an animal</h3> <p>Having a pet is great, but if you can't have your own, no problem; borrow one. Go to a friend's house and snuggle their cat, walk a neighbor's dog, or volunteer at the local animal shelter. <a href="https://www.ncbi.nlm.nih.gov/pubmed/19185195" target="_blank">Animal interaction comes with physical health benefits</a>, like lowered blood pressure, and improved psychological wellbeing. (See also: <a href="http://www.wisebread.com/5-surprising-ways-your-dog-can-save-you-money?ref=seealso" target="_blank">5 Surprising Ways Your Dog Can Save You Money</a>)</p> <h2>Develop a handful of your favorite methods</h2> <p>A recent research study designed specifically to help participants reduce Acute Financial Stress (AFS) found that <a href="https://www.psychologytoday.com/blog/in-therapy/201606/talking-about-money" target="_blank">having a variety of stress-reduction methods</a> to use seems to be most effective. That way, you can apply the method that seems to be most appropriate for the kind of stress you're feeling. For example, if you feel a headache and muscle tension coming on after paying the bills, it's time for some exercise. Or, if you're struggling with a nagging money monologue, meditation or talking it out might be the best method at the moment. Listen to your body, and do what works best for you.</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%2F10-ways-to-relieve-your-money-stress&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Ways%2520to%2520Relieve%2520Your%2520Money%2520Stress.jpg&amp;description=10%20Ways%20to%20Relieve%20Your%20Money%20Stress"></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/u5180/10%20Ways%20to%20Relieve%20Your%20Money%20Stress.jpg" alt="10 Ways to Relieve Your Money Stress" 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/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/10-ways-to-relieve-your-money-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-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/5-ways-self-care-can-actually-save-you-money">5 Ways Self Care Can Actually Save You Money</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-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</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/time-to-get-down-with-your-inner-zen">Time to Get Down With Your Inner Zen</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/will-a-dental-discount-plan-save-you-money">Will A Dental Discount Plan Save You 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/5-times-a-gym-membership-isnt-worth-it">5 Times a Gym Membership Isn&#039;t Worth It</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Health and Beauty financial stress Health meditation money stress saving money self care stress relief yoga Wed, 13 Sep 2017 08:00:10 +0000 Annie Mueller 2020059 at http://www.wisebread.com 5 Ways Self Care Can Actually Save You Money http://www.wisebread.com/5-ways-self-care-can-actually-save-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-self-care-can-actually-save-you-money" 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_meditating_541865750.jpg" alt="Woman practicing self care and saving money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>&quot;Self care&quot; has become a buzzword. It has become associated with spa days and luxurious vacations, and critics say that it's more of an exercise in self-indulgence. (See also: <a href="http://www.wisebread.com/when-self-care-actually-harms-your-budget?ref=seealso" target="_blank">When Self-Care Actually Harms Your Budget</a>)</p> <p>However, true self care doesn't actually have to have anything to do with spending lots of money. In fact, truly caring for yourself, giving yourself what you need, and making your own well-being a priority, will save you money in the long run. Here are a few ways that can work. (See also: <a href="http://www.wisebread.com/treat-yourself-with-these-7-free-self-care-routines?ref=seealso" target="_blank">Treat Yourself With These 7 Free Self-Care Routines</a>)</p> <h2>1. Exercise</h2> <p>Taking care of your body is important. In fact, it's one of the most important things you can do for your health. And as your body produces endorphins during exercise, it helps your mental health, as well. If you want to run a lower risk of shelling out money at the doctor's office, make daily exercise part of your routine.</p> <p>But wait! Don't gym memberships cost money? Luckily, you don't need a pricey gym membership to get physically fit. Just a quality pair of sneakers, comfy clothes, and an open trail on which to run or walk every day can help protect your ticker. (See also: <a href="http://www.wisebread.com/these-at-home-exercises-will-give-you-a-gym-quality-workout-for-free?ref=seealso" target="_blank">These At-Home Exercises Will Give You a Gym-Quality Workout for Free</a>)</p> <h2>2. Rest</h2> <p>Another basic tenet of real self care is rest. This means getting enough sleep at night, but it also means taking days off when needed. Just taking a mental health day will give your body and mind a chance to relax and reset, rather than be on all the time. You will also be more productive when you return to work with a fresh mind after a day off. You'll have more energy to tackle additional tasks outside of work, and to work on your side gigs to bring in extra income. (See also: <a href="http://www.wisebread.com/5-easy-things-science-says-you-should-do-for-your-body-every-day?ref=seealso" target="_blank">5 Easy Things Science Says You Should Do for Your Body Every Day</a>)</p> <p>Sleep can save you money, too. You'll make better decisions (financial and otherwise) when you are well-rested. And according to a study by Harvard University, <a href="http://healthysleep.med.harvard.edu/healthy/matters/consequences/sleep-and-disease-risk" target="_blank">sleeping eight hours or more each night</a> lowers your risk of expensive chronic health problems that can push you straight into debt.</p> <h2>3. Healthy eating</h2> <p>What you eat and how you eat it can save you money, too. For many people, part of self care involves eating healthier by planning meals, grocery shopping for fresh ingredients, and then cooking and eating at home.</p> <p>Obviously, you will spend less on your food when you prepare it yourself. You will avoid pricey takeout meals that probably aren't as healthy, you'll improve your cooking skills, and you're taking care of your body, which, again, will help lower your risk of contracting any obesity-caused illnesses.</p> <h2>4. Setting goals</h2> <p>When we aren't caring for ourselves in the most basic sense, it can be harder to focus on our financial goals. Being focused and vigilant in one area of our lives can easily trickle into others. So when we're eating right, getting enough rest, and taking care of our bodies, we become more inclined to keep that positive momentum going. We plan ahead. We want to safeguard our future in every sense, including planning for retirement, paying off debt, and making smarter financial choices.</p> <h2>5. Creating boundaries</h2> <p>Maintaining personal boundaries is a huge part of self care, and it can also save us money. Because boundaries help us define what is and is not part of who we are, solid ones help us prevent poor spending decisions like competitive spending with friends, feeling pressured to lend others money, etc. If we value our financial health, then, boundaries will help us spend when we need to but not so much or so often that it negatively impacts our financial future. (See also: <a href="http://www.wisebread.com/9-simple-acts-of-self-care-for-the-sandwich-generation?ref=seealso" target="_blank">9 Simple Acts of Self-Care for the Sandwich Generation</a>)</p> <p>Investing in self care doesn't have to be frivolous or luxurious; it often means changing our daily habits so that we are prioritizing our best interests.</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%2F5-ways-self-care-can-actually-save-you-money&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Ways%2520Self%2520Care%2520Can%2520Actually%2520Save%2520You%2520Money.jpg&amp;description=5%20Ways%20Self%20Care%20Can%20Actually%20Save%20You%20Money"></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/u5180/5%20Ways%20Self%20Care%20Can%20Actually%20Save%20You%20Money.jpg" alt="5 Ways Self Care Can Actually Save You Money" 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/5-ways-self-care-can-actually-save-you-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-2"> <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/10-ways-to-relieve-your-money-stress">10 Ways to Relieve Your Money 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/7-ways-to-stay-calm-in-stressful-moments">7 Ways to Stay Calm in Stressful Moments</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-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</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-76-best-life-lessons-you-should-learn-by-30">Flashback Friday: The 76 Best Life Lessons You Should Learn by 30</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> Health and Beauty Lifestyle budget Health mental health saving money self care Spending Money Fri, 01 Sep 2017 08:00:06 +0000 Sarah Winfrey 2013366 at http://www.wisebread.com Here's How Boomers and Millennials Are Creating Winners on the Stock Market http://www.wisebread.com/heres-how-boomers-and-millennials-are-creating-winners-on-the-stock-market <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/heres-how-boomers-and-millennials-are-creating-winners-on-the-stock-market" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_with_adult_daughter_in_park_together.jpg" alt="Mother With Adult Daughter In Park Together" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It may not seem like millennials and baby boomers have a lot in common, aside from the fact that they make up a huge chunk of the U.S. population. But the two generations do share some similar traits when it comes to spending and investing. This is already having a significant impact on the economy and the stock market, and will continue to do so.</p> <p>Here are some key ways that baby boomers and millennials are impacting business and the markets.</p> <h2>Health care will be huge</h2> <p>There's a lot of noise related to the Affordable Care Act and a possible replacement. How things will shake out on Capitol Hill is anyone's guess, but there's no doubt that Americans will be spending more on health care. Baby boomers make up an increasing percentage of the U.S. population, and will require more medical attention as they age. This means big profits for pharmaceutical firms, but also biotech companies, hospitals, and manufacturers of medical equipment. The S&amp;P 500 Health Care Index has seen annualized returns of more than 16 percent over the last five years, and is up nearly 12 percent in 2017. Expect the upward trend to continue.</p> <h2>Health consciousness is also big</h2> <p>Millennials are aware of the obesity problem in America, and many of them are making lifestyle choices to counteract that. We've seen a push for more natural and organic food items, and a desire for less sugar and fat. This also means a continued expansion of fast-casual restaurants that offer healthier options, perhaps at the expense of traditional fast food chains. Baby boomers will help fuel this push to health as well simply by following doctor's orders to eat healthy as they age.</p> <h2>Investing costs will go down</h2> <p>Boomers have no interest in seeing their retirement savings cut down by high expense ratios and commissions, and millennials are becoming more savvy about the impact these costs have on their portfolios. These two demographics have led the charge against fees, and we've seen some brokerages respond. In February, Charles Schwab and Fidelity cut their online trade commissions to a mere $4.95, and many brokerage firms have expanded their offerings of commission-free exchange-traded funds (ETFs).</p> <p>Meanwhile, investing in low-cost index funds has ballooned; nearly half of all assets placed in mutual funds and ETFs are indexed rather than in actively-managed accounts, according to Morningstar.</p> <h2>Investing in individual stocks will decline</h2> <p>Aging baby boomers can be expected to withdraw their investments or at least shift their portfolios to more conservative investments like bonds and cash. Meanwhile, millennials are wary of the markets in general after living through the stock market declines of the early 2000s and 2008. Millennials have also learned that trying to beat the market by investing in individual stocks is generally a fool's game. This shying away from individual stocks could impact the overall returns in the stock market over time.</p> <h2>Popular brands aren't a sure thing</h2> <p>There has long been a common thought among investors that big, popular brands will always be surefire investments. Investors have long banked on the notion of brand loyalty as a driver of investment returns. But there have been several recent reports that millennials are not as brand-loyal as their predecessor generations. Millennials will go for value and quality, and aren't going to stick with a single brand out of stubbornness. This may have implications for stocks that have performed well over the years in part due to brand recognition.</p> <h2>Brick-and-mortar retail will go south</h2> <p>We're already seeing retail chains struggling, with H.G. Gregg, Gymboree, Rue 21, and several other brick-and-mortar outlets declaring bankruptcy in recent months. Meanwhile, online retailing giant Amazon just reported a 23 percent increase in sales, to $35.7 billion. Millennials don't mind shopping online, and baby boomers are less likely to go out on long shopping trips as they get older.</p> <h2>Experiences over objects</h2> <p>Millennials don't really care about owning things. Instead, they get satisfaction from experiences like fitness classes, travel, or eating well. To the extent that they need items such as music or movies, they prefer to obtain them through streaming services such as Netflix (one of the hottest tech stocks in America) or Spotify. Meanwhile, baby boomers are getting older and aren't in the habit of acquiring more &quot;stuff,&quot; either.</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%2Fheres-how-boomers-and-millennials-are-creating-winners-on-the-stock-market&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHeres%2520How%2520Boomers%2520and%2520Millennials%2520Are%2520Creating%2520Winners%2520on%2520the%2520Stock%2520Market.jpg&amp;description=Heres%20How%20Boomers%20and%20Millennials%20Are%20Creating%20Winners%20on%20the%20Stock%20Market"></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/Heres%20How%20Boomers%20and%20Millennials%20Are%20Creating%20Winners%20on%20the%20Stock%20Market.jpg" alt="Here's How Boomers and Millennials Are Creating Winners on the Stock Market" 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/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/heres-how-boomers-and-millennials-are-creating-winners-on-the-stock-market">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/7-reasons-millennials-should-stop-being-afraid-of-the-stock-market">7 Reasons Millennials Should Stop Being Afraid of the Stock Market</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/are-you-making-the-biggest-investment-risk-of-all">Are You Making the Biggest Investment Risk of All?</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/with-micro-investing-your-smartphone-pays-you">With Micro-Investing, Your Smartphone Pays YOU</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-things-everyone-should-know-about-the-commodities-markets">8 Things Everyone Should Know About the Commodities Markets</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/4-portfolio-blind-spots-that-are-ruining-your-investments">4 Portfolio &quot;Blind Spots&quot; That Are Ruining Your Investments</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment baby boomers brand loyalty eating well Food Health health care millennials retail stock market Mon, 24 Jul 2017 08:00:10 +0000 Tim Lemke 1986883 at http://www.wisebread.com 6 Apps That Pay You to Workout http://www.wisebread.com/6-apps-that-pay-you-to-workout <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-apps-that-pay-you-to-workout" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_workout_phone_536139771.jpg" alt="Woman using apps that pay her to workout" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One of the most popular New Year's resolutions every year is to get fit and lose weight. Unfortunately, it's also one of the most broken resolutions as well. Perhaps if there was more of a financial reward tied to getting in shape, it would be easier, or maybe if there was a way to stay more accountable. Fortunately, there exist some highly clever smartphone apps that will help you with both. Here are six of the most popular apps that will actually pay you to workout and help keep you accountable in the process.</p> <h2>1. PACT</h2> <p>The free <a href="http://www.pactapp.com/" target="_blank">PACT app</a> is a clever healthy living smartphone app that keeps you accountable, both in terms of diet and exercise. The app works by allowing you to make weekly &quot;pacts&quot; with yourself to either eat healthier or exercise more.</p> <p>Once your pacts are set, you choose how much money you'll pay other PACT members if you don't reach them. On the flipside, if you do reach your pacts, you get paid by other members. So essentially you make money by staying healthy and you get paid by the members who don't. You might only make a few dollars a week, but the app keeps you accountable and makes for easy goal setting. Plus, it lets you connect to other popular health apps like RunKeeper, Fitbit, MapMyRun, and MyFitnessPal.</p> <h2>2. DietBet</h2> <p>The <a href="https://www.dietbet.com/" target="_blank">DietBet app</a> is a fun way to track your weight loss goals, stay accountable, and tap into your competitive side. Essentially the app let's you join &quot;Games,&quot; pay a small entry fee, and compete against other motivated folks to try and lose a certain percentage of weight in a specific amount of time. Win the game and you'll split the pot with all the other winners.</p> <h2>3. Healthy Wage</h2> <p>The <a href="https://www.healthywage.com/" target="_blank">Healthy Wage app</a> is similar to DietBet, with a couple important differences. While you get paid by winning weight loss challenges, the app focuses more on the user creating challenges with friends and family as well as corporate challenges. The challenges make for a fun way to track your progress and interact with others who are also trying to develop a healthier lifestyle.</p> <p>You can join up to 10 challenges at one time, as well as simply create personal challenges that'll keep you accountable. You pony up some money, join the challenges that interest you, and try to win some substantial bucks. Refer friends to the challenge and your winnings grow substantially.</p> <h2>4. Charity Miles</h2> <p>If you're looking to get into shape and are the type who regularly gives money to your favorite charities, then the <a href="http://www.charitymiles.org/" target="_blank">Charity Miles app</a> is worth a look. The app essentially donates money to <a href="https://charitymileshelp.zendesk.com/hc/en-us/articles/214937668-Who-are-your-Charity-Partners-" target="_blank">the charity of your choice</a> any time you &quot;walk, run, bike, skip, dance or any human-centered activity.&quot; By using your smartphone's GPS, Charity Miles can easily track your movement and track your activity. The more you move, the more money your charity receives.</p> <p>Sound too good to be true? Charity Miles is completely legit and pays out via corporate sponsors like Humana, Johnson &amp; Johnson, and Chobani.</p> <h2>5. WellCoin</h2> <p>The folks at <a href="https://www.wellcoin.com/" target="_blank">WellCoin</a> have developed a mobile app that gives you rewards points for doing healthy things. From sleeping seven hours a night, to drinking plenty of water, to going for a jog, you'll earn WellCoins for doing all of the above. Earn enough coins and you can redeem them for workout gear, healthy food, and even exercise classes in your area. The app is a great tool to help keep you accountable throughout the day.</p> <h2>6. FitCoin</h2> <p>The <a href="https://itunes.apple.com/us/app/the-fitcoin/id1008898705" target="_blank">FitCoin app</a> is another fun way to earn rewards with your Fitbit or any fitness tracker supported by the Apple Health app on your iPhone. Once the app is synced to your fitness tracker, you simply start burning calories by walking, jogging, or hitting the gym, and start earning &quot;FitCoins&quot; for your efforts. Your burned calories turn into FitCoins which can be redeemed in the FitCoin boutique for cool stuff like Amazon gift cards.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/6-apps-that-pay-you-to-workout">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-88-easy-ways-to-get-more-exercise">Flashback Friday: 88 Easy Ways to Get More Exercise</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/5-fitness-gadgets-actually-worth-the-money">5 Fitness Gadgets Actually Worth the 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/the-ultimate-green-workout">The Ultimate &quot;Green&quot; Workout</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/6-simple-ways-to-get-more-exercise-without-working-out">6 Simple Ways to Get More Exercise Without Working Out</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-no-sweat-workouts-perfect-for-the-workplace">10 No-Sweat Workouts Perfect for the Workplace</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Technology apps exercise fitness get fit get in shape get paid to workout Health iPhone workout Tue, 07 Feb 2017 10:30:37 +0000 Kyle James 1887741 at http://www.wisebread.com 9 Sweet Valentine's Day Gifts to Give to Your Truest Love — You! http://www.wisebread.com/9-sweet-valentines-day-gifts-to-give-to-your-truest-love-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-sweet-valentines-day-gifts-to-give-to-your-truest-love-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_pink_balloon_539016316.jpg" alt="Woman giving herself sweet V-Day gifts" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The stereotypical Valentine's Day gifts of roses and chocolates are nice, but have you considered giving <em>yourself</em> a gift? Before you dismiss that notion as being selfish, consider the airplane analogy. When the flight attendant gives his or her talk about oxygen masks, what are you supposed to do? That's right, put on your own &mdash; because you can't help others until you help yourself first. Giving yourself a little Valentine's Day self-care gift may help to alleviate stress, and possibly, protect you from sickness.</p> <p>That doesn't mean you need to go on a shopping spree, though. Here are nine self-care tips and treats to help you fight stress, find health, and be your own best Valentine's Day date ever.</p> <h2>1. Make a Spa-Quality Scrub</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/6UpdsuGEGfE" frameborder="0" allowfullscreen=""></iframe></p> <p>After joining the coconut oil craze, a lot of us now have big tubs of it. That's a lot of coconut oil, so let's put it to good use with a DIY <a href="https://www.youtube.com/watch?v=6UpdsuGEGfE" target="_blank">Coconut-Oil Sugar Scrub</a>. It's so easy! And yes, I've tried it, and I really like how it exfoliates and makes my face feel smooth. It's nice on your feet, too.</p> <h2>2. Eat Well</h2> <p>Surf N' Turf is traditional for Valentine's Day, but instead, why not consider a month of clean eating? After the holidays and the Super Bowl, I find myself craving healthy foods. Simply Google &quot;month of clean eating&quot; and you'll find several choices for menus and recipes. (See also: <a href="http://www.wisebread.com/8-great-clean-eating-slow-cooker-recipes?ref=seealso" target="_blank">8 Great Clean Eating Slow Cooker Recipes</a>)</p> <h2>3. Take a Class</h2> <p>For around $60, my local college is offering community classes. I can choose from classes such as Beginning Guitar, Conversational Spanish, Qigong, or Hula Hoop Fitness, just to name a few. My husband has enjoyed Sushi Making and Surfing. Check out classes at your local community college, community center, or even free classes online in order to <a href="http://www.wisebread.com/10-fun-hobbies-you-can-take-up-for-free?ref=internal" target="_blank">learn something new</a> and expand your mind.</p> <h2>4. Get a Massage</h2> <p>Man, do I love a massage. But I love them even more where I can get a full hour for just $50. Do you have a massage school in your area? Students need to rack up hours to become licensed, so it can be a bargain. See if you have one in your area.</p> <h2>5. Embrace Your Inner Child</h2> <p>What sorts of things did you love doing as a kid? Did you love to color? You're in luck, because adult coloring books are so in right now. One of my friends has taken up painting again. Take some time to think about what you enjoyed, and take it up again for some relaxing fun.</p> <h2>6. Volunteer</h2> <p>Wait, isn't volunteering about helping <em>others</em>? Yes, but according to Harvard Medical School, &quot;volunteering helps people who donate their time <a href="http://www.health.harvard.edu/blog/volunteering-may-be-good-for-body-and-mind-201306266428" target="_blank">feel more socially connected</a>, thus warding off loneliness and depression.&quot; Plus, you could also make some new friends in the process. Find a group where you feel you could contribute by using <a href="http://www.volunteermatch.org/" target="_blank">VolunteerMatch.org</a>, which matches interests with needs.</p> <h2>7. Learn Meditation</h2> <p>Do you have a stressful job? High blood pressure? Maybe you just need to slow life down a little. Meditation, according to WebMD, can &quot;not only <a href="http://www.webmd.com/balance/features/meditation-heals-body-and-mind#1" target="_blank">lower blood pressure</a>, but can also amp up your immune system, while improving your ability to concentrate.&quot; I took the <a href="https://itunes.apple.com/us/app/oprah-deepaks-21-day-meditation/id903893632?mt=8" target="_blank">Oprah &amp; Deepak's 21-Day Meditation Experience</a> and loved it.</p> <h2>8. Give Yourself a DIY Pedi</h2> <p>A salon pedicure can run you $40 and up. Save your money and give yourself one at home for almost nothing. You don't need a lot of fancy equipment, either. Just <a href="http://www.wisebread.com/16-hacks-for-the-perfect-at-home-mani-pedi" target="_blank">some nail care steps at the start</a>, a steady hand, a favorite color polish.</p> <h2>9. Take a Nap</h2> <p>A quick nap can help you to feel more alert, refreshed, and recharged. As a cube-dweller, I'd never try to take one at work, but I often grab one when I get home, or on the weekends. (See also: <a href="http://www.wisebread.com/5-surprising-benefits-of-naps-including-the-best-time-to-take-them?ref=seealso" target="_blank">Surprising Benefits of Naps and the Best Time to Take Them</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/marla-walters">Marla Walters</a> of <a href="http://www.wisebread.com/9-sweet-valentines-day-gifts-to-give-to-your-truest-love-you">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/5-better-ways-to-celebrate-v-day-this-year">5 Better Ways to Celebrate Valentine&#039;s Day This Year</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-frugal-skills-you-must-have-to-survive-autumn">9 Frugal Skills You Must Have to Survive Autumn</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/9-smart-reasons-to-last-minute-holiday-shop">9 Smart Reasons to Last-Minute Holiday Shop</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-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate 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/flashback-friday-160-gift-ideas-for-everyone-you-know">Flashback Friday: 160 Gift Ideas for Everyone You Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping frugal living Health Holidays self-care self-love shopping Valentine's Day valentine's day gifts Mon, 06 Feb 2017 10:00:09 +0000 Marla Walters 1886389 at http://www.wisebread.com Flashback Friday: 41 Frugal Ways to Battle a Cold or Flu http://www.wisebread.com/flashback-friday-41-frugal-ways-to-battle-a-cold-or-flu <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-41-frugal-ways-to-battle-a-cold-or-flu" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_sick_flu_162061759.jpg" alt="Couple finding frugal ways to battle a cold or flu" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Have you gotten sick yet this season? No matter what your answer is, you might end up with a cold or flu before the snow melts. And being sick just sucks. It can also cost a lot of money to recover. You should do everything you can to guard against the crud, but if you find yourself down for the count, here are 41 frugal ways to battle a cold or flu.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_100133849_MEDIUM.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-important-reasons-to-always-call-in-sick-when-youre-sick?ref=fbf">8 Important Reasons to Always Call In Sick When You're Sick</a> &mdash; One of the most important things you can do when you're sick is to stay home! Don't try to be the hero and work through an illness. You spread your germs all over the office when you're too sick to focus and nobody wins.</p> <p><a href="http://www.wisebread.com/9-frugal-ways-to-treat-the-common-cold?ref=fbf">9 Frugal Ways to Treat the Common Cold</a> &mdash; Since both the cold and the flu are viruses, there is no &quot;cure.&quot; However, these frugal &quot;treatments&quot; might help you feel good enough to get back to your normal routine.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-510574486.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/the-high-cost-of-catching-a-cold-or-the-flu?ref=fbf">The High Cost of Catching a Cold or the Flu</a> &mdash; You might think that the cost of catching a cold is nothing more than a bag of cough drops and a box of tissues. You would be wrong. Even if you have health insurance, being sick can add up quickly. Being informed will motivate you to maintain a healthy lifestyle.</p> <p><a href="http://www.wisebread.com/7-all-natural-home-remedies-for-colds?ref=fbf">7 All Natural Home Remedies for Colds</a> &mdash; When you're sniffily and congested, shop your pantry for the best cold home remedies. A couple bowls of broth and a spoonful of honey can work wonders on your cold symptoms.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/flu_vaccine_000050442510.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-places-to-get-vaccinated-for-cheap-or-free?ref=fbf">7 Places to Get Vaccinated for Cheap or Free</a> &mdash; If you haven't gotten your flu shot yet, head to your local pharmacy! That big flu strain is going around right now, and you can still guard yourself against it.</p> <p><a href="http://www.wisebread.com/make-these-9-health-moves-now-or-youll-regret-it-in-20-years?ref=fbf">Make These 9 Health Moves Now or You'll Regret It in 20 Years</a> &mdash; An easy way to protect yourself against these common viruses is to eat healthy, get enough sleep, and stay active. Any bad habits that could weaken your immune system could lead you straight into bed with a fever. Health is wealth, y'all!</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-41-frugal-ways-to-battle-a-cold-or-flu">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-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-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/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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-high-cost-of-catching-a-cold-or-the-flu">The High Cost of Catching a Cold or the Flu</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living cold common cold fbf flashback friday flu flu shot frugal living Health home remedies Fri, 20 Jan 2017 10:30:30 +0000 Chrissa Hardy 1877682 at http://www.wisebread.com Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable http://www.wisebread.com/flashback-friday-87-frugal-ways-to-make-winter-less-miserable <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-87-frugal-ways-to-make-winter-less-miserable" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_winter_snow-499814150.jpg" alt="Woman finding frugal ways to make winter less miserable" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Winter is a dreary, dark time. The sun rarely shines, and you can barely wade through the white mess on the ground without getting your feet and pants soaked. But never fear. You <em>can</em> turn that S.A.D.-induced frown upside down. Here are 87 ways to make winter less miserable.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_sad_window_507633424.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/5-ways-to-prevent-the-winter-blues-from-busting-your-budget?ref=fbf">5 Ways to Prevent the Winter Blues from Busting Your Budget</a> &mdash; Seasonal Affective Disorder puts you in a very vulnerable state of mind during the winter months. This can naturally lead you to making all sorts of ill-advised decisions, especially when it comes to your finances. Use these tips to keep you armed with a plan to fight those habits.</p> <p><a href="http://www.wisebread.com/9-frugal-winter-activities-to-keep-kids-busy-during-holiday-break?ref=fbf">9 Frugal Winter Activities to Keep Kids Busy During Holiday Break</a> &mdash; When the kids are home during holiday breaks or snow days, it's hard to know what to do with them to keep them busy and entertained. These activities are fun and cheap, so everybody wins.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-490080588.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-frugal-destinations-for-a-dreamy-winter-getaway?ref=fbf">8 Frugal Destinations for a Dreamy Winter Getaway</a> &mdash; Wanna get out of the snow? Plan a trip to somewhere idyllic and in your mind, you'll already be there. It doesn't matter if the trip is weeks or months away. Having something to look forward to will instantly boost your mood.</p> <p><a href="http://www.wisebread.com/5-investments-that-do-better-in-winter?ref=fbf">5 Investments That Do Better in Winter</a> &mdash; Sometimes, money actually can buy happiness. Especially when money turns into even more money. Put your cash in these stocks and you could have a nice little cushion by the time spring arrives.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/winteract-78255607.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/50-fun-things-to-do-when-youre-stuck-inside-during-winter?ref=fbf">50 Fun Things to Do When You're Stuck Inside During Winter</a> &mdash; Life isn't so bad when you can curl up by the fire and read a book or take a nap. The weather outside might be frightful, but these indoor winter ideas are all kinds of delightful.</p> <p><a href="http://www.wisebread.com/5-awesome-staycations-you-should-take-before-winter-ends?ref=fbf">5 Awesome Staycations You Should Take Before Winter Ends</a> &mdash; Before the snow melts, embrace your indoors-y side and have a nice little staycation. You'll feel bad about doing this when the weather outside is warm and beautiful, so take advantage of it now.</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-87-frugal-ways-to-make-winter-less-miserable">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-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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-51-ways-to-organize-your-whole-life-in-2017">Flashback Friday: 51 Ways to Organize Your Whole Life in 2017</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-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate 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/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</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-81-best-tips-for-saving-big-at-the-grocery-store">Flashback Friday: The 81 Best Tips for Saving Big at the Grocery Store</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living fbf fitness flashback friday frugal living frugal living goals goals Health Holidays money New Year's new year's resolutions Fri, 13 Jan 2017 10:30:30 +0000 Chrissa Hardy 1873235 at http://www.wisebread.com Flashback Friday: 76 New Year's Resolutions That'll Make 2017 Your Year http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_2017_loading_624248520.jpg" alt="Woman making new year&#039;s resolutions for 2017" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There's no dancing around it &mdash; 2016 has been a garbage year. Most of us are ready to enthusiastically wave goodbye to it on New Year's Eve and usher in a fresh start. And even though most resolutions are abandoned by February, if you incorporate focused, realistic goals, your chances for success are far greater. So let's give it a go when the clock strikes midnight. Here are 76 New Year's resolutions that will make 2017 your best year ever!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-518171446_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/15-easy-to-keep-new-years-resolutions-that-really-pay-off?ref=fbf" target="_blank">15 Easy to Keep New Year's Resolutions That Really Pay Off</a> &mdash; The smartest way to make goals that will stick is to make them easy. If they're difficult and vague, you won't be motivated enough to keep them. These are all easy, focused, and will make your life so much better.</p> <p><a href="http://www.wisebread.com/successful-new-years-resolutions-have-this-one-thing-in-common-does-yours?ref=fbf" target="_blank">Successful New Year's Resolutions Have This One Thing in Common &mdash; Does Yours?</a> &mdash; The secret to achieving these holiday goals is to understand why the successful ones actually work. This breaks down the one thing all successful resolutions have in common. Make sure it's part of yours, too!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_dog_pet_499423418_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/4-new-years-resolutions-your-pet-wants-you-to-make?ref=fbf" target="_blank">4 New Year's Resolutions Your Pet Wants You to Make</a> &mdash; Your pet lives for you. They think you're the best creature on this Earth. So why not consider what they'd want for you when making your annual list of resolutions? Seeing your dog with that goofy grin will be more than worth it.</p> <p><a href="http://www.wisebread.com/23-frugal-living-resolutions-anyone-can-master?ref=fbf" target="_blank">23 Frugal Living Resolutions Anyone Can Master</a> &mdash; Living frugally is a trend that will never go away. We could all spend less money and buy fewer things. All of these brilliantly simple resolutions incorporate the frugal mindset. A little saving can go a long way.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/friends_new_years_498059820_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master?ref=fbf" target="_blank">8 Personal Finance Resolutions Anyone Can Master</a> &mdash; Money. We all need more of it. Living paycheck-to-paycheck is a miserable way to live. Taking these small steps to building your financial cushion will give you financial freedom, and ultimately, a better life.</p> <p><a href="http://www.wisebread.com/25-small-new-year-s-resolutions-you-can-start-today?ref=fbf" target="_blank">25 Small New Year&rsquo;s Resolutions You Can Start Today</a> &mdash; Why wait until the ball drops? Get started on your resolutions now! These steps are all small and easy-to-make. After all, the early bird gets the worm, right?</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-76-new-years-resolutions-thatll-make-2017-your-year">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-2"> <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-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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-51-ways-to-organize-your-whole-life-in-2017">Flashback Friday: 51 Ways to Organize Your Whole Life in 2017</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-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate 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/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</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 fbf fitness flashback friday frugal living frugal living goals goals Health Holidays money New Year's new year's resolutions Fri, 30 Dec 2016 10:30:30 +0000 Chrissa Hardy 1865098 at http://www.wisebread.com 17 Reasons to Look Forward to 2017 http://www.wisebread.com/17-reasons-to-look-forward-to-2017 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/17-reasons-to-look-forward-to-2017" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-594485114.jpg" alt="reasons to look forward to 2017" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As I often do before I write anything, I asked my Facebook friends some of their suggestions on the topic at hand. I should've known better this time. Because when I posed the question, &quot;What are some of your reasons to look forward to 2017?&quot; I received responses like, &quot;The apocalypse&quot; and &quot;Trump's impeachment.&quot;</p> <p>I digress.</p> <p>Rest assured, however, that I didn't take their advice. Instead, I'm including only positive entries, devoid of partisan politics, because that's what we all need right now &mdash; hope, happiness, and the pursuit of anything that isn't 2016. Yep, it was a terrible year by most accounts, but it's almost out of here. So let's rejoice and look to the future. Here are some awesome things to get excited about in 2017. (See also: <a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master?ref=seealso" target="_blank">8 Personal Finance Resolutions Anyone Can Master</a>)</p> <h2>1. It's Not an Election Year!</h2> <p>I don't know about you, but I was tired of hearing about Hillary Clinton and Donald Trump around March. Of course, the vitriol surrounding the election didn't get much better as the months passed &mdash; or even after Trump was elected. In fact, it seemed to get worse. I'm keeping my fingers crossed, though, that people on social media have expunged all the frustration sufficiently over the past two months, and are now committed to concentrating on more important things next year. If not, I think I'll have to hit the block button.</p> <h2>2. Lots of New Movies and Music</h2> <p>Each New Year brings 12 months of new-release movies and music. What are you looking forward to this year? Personally, I'm ramped up about AMC Theatres' Best Picture Showcase in February, a two-day event that I've attended the past several years to watch all of the Oscar-nominated films back to back before the Oscars. I purposefully avoid any film that has Oscar buzz so I can enjoy the fest in its entirety. I highly recommend checking it out. Looking ahead, I'm lining up for sure-to-be blockbuster films like <em>The LEGO Batman Movie</em>, <em>Alien: Covenant</em>, and <em>Baywatch</em>, along with some of the sleeper hits that will inevitably go viral. As for music, I'm preparing my iTunes for album releases by Tinie Tempah, Fergie, Iggy Azalea, Major Lazer, and more.</p> <h2>3. Paying Down Your Debt</h2> <p>Have you been <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal" target="_blank">paying your debt down</a> consistently to a more manageable amount in 2016? Make this the year that you completely obliterate it. If you've been putting it off, attack it aggressively to unburden yourself. You'll be thankful you did. (See also: <a href="http://www.wisebread.com/5-ways-to-pay-off-high-interest-credit-card-debt?ref=seealso">5 Ways to Pay Off High Interest Debt</a>)</p> <h2>4. More Affordable Taxes</h2> <p><a href="http://fortune.com/2016/12/12/donald-trump-tax-plan-charts/" target="_blank">President-Elect Trump's tax plan</a> gives most Americans a break on what they're currently paying, according to Fortune. His simplified tax code turns seven brackets into three and raises the threshold at which workers begin to pay income tax. In addition, many married couples will see their taxes reduced substantially. Something to look forward to if the new tax code falls in your favor.</p> <h2>5. The Release of the 10th Anniversary iPhone</h2> <p>Can you believe it's been nearly a decade since the iPhone single-handedly revolutionized the way we use mobile devices? For its 10th anniversary, expect a big reveal and, likely, a completely new design. Rumored features include a glass body, edge-to-edge OLED display with an integrated Touch ID fingerprint sensor, plus a game changer or two, like wireless charging.</p> <h2>6. Summertime</h2> <p>I live by the beach, and my favorite season is summer. I love everything about it &mdash; exercising outside, walking the boardwalk, visiting amusement parks, grilling in the backyard. I'm getting excited just thinking about it! Have you started thinking of your summer plans yet? If you plan to travel, winter is a great time to score deals on future getaways.</p> <h2>7. The World Expo</h2> <p>After taking a couple years off, <a href="https://expo2017astana.com/en/" target="_blank">World Expo 2017</a> will commence on June 10 in Astana, Kazakhstan, with the theme &quot;Energy of the Future.&quot; Thus far, 101 countries are participating.</p> <h2>8. A Total Solar Eclipse</h2> <p>A total solar eclipse will take place on Monday, Aug. 21. It will be the first solar eclipse visible from the United States since July 11, 1991, which was seen only from part of Hawaii. The longest duration of the eclipse will be two minutes 41.6 seconds, with the best viewing in Carbondale, Illinois. Just don't look directly at it, okay?</p> <h2>9. Your Vacation</h2> <p>Do you have a vacay on the books? Start planning where you'll stay and all the fun activities you want to do. It takes me hours and hours of planning to create an amazing vacation. I'm big on activities to create memories, and I like to compare prices and search for discounts to get the best deals. Happy hunting!</p> <h2>10. Making at Least One New Friend</h2> <p>I make several new friends a year &mdash; I actually set it as a goal &mdash; because I like to keep my social life active and interesting. Broaden your horizons by joining a social sports group, signing up for fitness classes, taking an art or music lesson, or becoming a member of a group that interests you.</p> <h2>11. Learning Something New</h2> <p>I'm sure you'll learn plenty of new things this year, but you have to make a conscious effort to learn anything important, like a new skill or a more efficient way to do something that takes up time or money. Decide what you want to learn and make it happen.</p> <h2>12. The First Human Head Transplant</h2> <p>Despite how you may feel about it, the <a href="http://www.nytimes.com/2016/06/12/world/asia/china-body-transplant.html" target="_blank">first human head transplant</a> will likely be performed this year. Italian neuroscientist Dr. Sergio Canavero and Chinese surgeon Dr. Xiaoping Ren are expected to remove the head of a Russian man named Valery Spiridonov who suffers from Werdnig-Hoffman Disease, and reattach it to a donor body. The procedure is dogged by controversy, but if it's a success, it will go down in history as the most important medical advancement thus far.</p> <h2>13. <em>Stranger Things</em> Season 2 Is Coming</h2> <p>If you were a fan of the Duffer Brothers' love-letter supernatural series to the 1980s, you'll be happy to know that a nine-episode second season of <em>Stranger Things</em> will be released on Netflix in 2017. The new narrative will take place about a year after the first season's events and will explore the &quot;bigger mythology&quot; of Will's disappearance.</p> <h2>14. Carving Out More &quot;Me&quot; Time</h2> <p>Seriously, give yourself a break. See more movies by yourself, take a nap every once in awhile, go grab a cup of coffee, and read a book or magazine in the café. Just love yourself more often. You deserve it.</p> <h2>15. Adding a New Revenue Source to Your Income</h2> <p>I live by the philosophy that you should always have two sources of income. I truly believe it's the only way you'll get ahead in life, especially if you like to do things like go out to dinner or on vacation. In addition to a full-time career, I supplement my income by watching other people's pets via DogVacay, renting out my homes on Airbnb, and driving people around town with Lyft and Uber. There are many, many ways that are not limited to my suggestions that you can put more money in the bank this year.</p> <h2>16. Finding Joy</h2> <p>We live in a world of negativity, it seems. Everywhere we turn, it's bad news. But that's perhaps because we're actually looking for the bad news, like on social media where all people seem to do is complain about things they can't change and otherwise lament their lives. Shun that mentality this year and find joy for yourself. Maybe that means taking a social media hiatus, but do whatever you've got to do. There's still happiness left in the world, if you know where to look.</p> <h2>17. Committing to a Healthy and Productive Lifestyle</h2> <p>Go to bed early and wake up earlier. Stay on track with your fitness. Drink water and eat healthy. Do these three things for yourself and I promise you that so many other things will start to fall into place. Just stick to it and you'll see the results. I promise.</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/17-reasons-to-look-forward-to-2017">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/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-2 views-row-even"> <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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-81-best-tips-for-saving-big-at-the-grocery-store">Flashback Friday: The 81 Best Tips for Saving Big at the Grocery Store</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/15-easy-to-keep-new-years-resolutions-that-really-pay-off">15 Easy to Keep New Year&#039;s Resolutions That Really Pay Off</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/will-a-dental-discount-plan-save-you-money">Will A Dental Discount Plan Save You Money?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Budgeting 2016 2017 fitness Health new year new you New Year's New Year's Eve new year's resolutions Fri, 30 Dec 2016 10:00:14 +0000 Mikey Rox 1865096 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-2"> <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-74-easy-ways-to-reduce-stress">Flashback Friday: 74 Easy Ways to Reduce 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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</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 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-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-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-74-easy-ways-to-reduce-stress">Flashback Friday: 74 Easy Ways to Reduce 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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</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 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-2"> <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/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-4 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-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> 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 Important Reasons to Always Call In Sick When You're Sick http://www.wisebread.com/8-important-reasons-to-always-call-in-sick-when-youre-sick <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-important-reasons-to-always-call-in-sick-when-youre-sick" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_100133849_MEDIUM.jpg" alt="you should call in sick from work if you&#039;re sick" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you're sick, you're sick. Which is why if you're feeling under the weather, it's best to <a href="http://www.wisebread.com/10-reasons-you-should-call-in-sick-today">call out of work and rest up</a> for a speedy recovery. Because as much as you don't like that stuffy head, sore throat, snot-rocket business, your co-workers like it even less &mdash; especially when you're kablooey-ing all over the office. As such, here are a few reminders on the importance of cuddling up under the covers with Jell-O and Netflix when you're on your proverbial deathbed to avoid plunging your entire company into chaos.</p> <h2>1. You'll Spread Your Germs Around</h2> <p>Obviously a no-brainer, when you're ill, you're often contagious. The last thing you want is to start spreading around whatever nastiness you've got. I don't mean to be dramatic or anything, but remember how fast diseases spread &mdash; viruses like H1N1, SARS, and Ebola. Unassuming, exemplary employee Hank probably caught a cough and thought he could work through it. Except the next thing you know, the CDC is calling pandemic on the whole thing, and now Hank is quarantined (and probably never heard from again) because he's Patient Zero. Grocery stores are mobbed, kids stay home from school, the world markets crash &mdash; all because of Hank and his cough. Don't be Hank.</p> <h2>2. You Won't Be Able to Concentrate</h2> <p>When you've fallen ill, it's usually hard to concentrate &mdash; what with the achy bones, headache, and watery eyes. Don't try to be a martyr at the office by pretending that you actually know what's going on. Because you don't. It's hard to enough to concentrate when you're sick, but it's almost impossible when you add those three max-strength Benadryl you ate for breakfast into the equation.</p> <h2>3. Your Body Will Be Tired, and You'll Be Unproductive</h2> <p>Sickness takes a toll on your body. Your immune defenses are down, you're not getting quality sleep, and you always have a hard time moving a muscle given that when you're sick on a weekend, all you do is ring that godforsaken bell to summon your partner to the bedroom to change the channel because your wittle fingers are too brittle to switch to Netflix.</p> <p>Social media professional Megan Ingenbrandt, from New Jersey, knows what I'm talking about.</p> <p>&quot;People underestimate the value of sleep when they're healthy, but I think it's even worse when they're sick,&quot; she says. &quot;Since they're not feeling their best, people often try to cram in as much work as possible so they can just crash when they get home. It's important to take time off when you're sick because your body needs more rest than normal to rejuvenate. Take the day off to veg out in bed and get back to work when you're feeling better.&quot;</p> <h2>4. You're <em>Not</em> Impressing the Boss With Your Will to Survive</h2> <p>Some employees come into work instead of calling in sick thinking&nbsp;<a href="http://officeteam.rhi.mediaroom.com/2014-01-28-survey-seven-in-10-workers-frequently-come-to-the-office-when-feeling-sick">it shows dedication </a>and that it'll impress their superiors &mdash; but that's a fool's game. Your boss doesn't want to have anything to do with you when you arrive late just to run to the bathroom every 10 minutes. Like anybody's got time to sanitize the place all day.</p> <h2>5. Nobody Wants to Hear You Hacking Up a Lung All Day</h2> <p>You know how gross is it to have a meeting with someone who sounds like they're on death's door? Besides, all that commotion is distracting to your coworkers who are busy planning your funeral instead getting the tasks that are on their to-do lists done. Perfect way to make lifetime enemies.</p> <h2>6. Your Miserable State Will Make Others Around You Miserable</h2> <p>You're not your outgoing, friendly self when you're sick, and when one person's morale is down in the office, it tends to drag others' down with it. You'll notice that nobody's smiling around you when you go to work sick because they're not your biggest supporter while you're contaminating every surface with your plague.</p> <h2>7. The Medication You're On Makes You a Liability</h2> <p>There's a reason many medications &mdash; even over-the-counter types &mdash; recommend that you abstain from operating motor vehicles or heavy machinery while under their influence. You could hurt yourself or somebody else. And if you do that on company time, you've just created a whole heap of trouble for you and your company.</p> <h2>8. You're Setting a Bad Example for Others</h2> <p>Guess what? Since you dragged your risen-from-the-crypt carcass to work when you had the flu, now everybody feels like they have to come to work one foot in the grave, too. You don't want to be the person who silently encourages their coworkers to endanger themselves and others because you're a proper nitwit, do you? I didn't think so. Instead, go to the doctor and find out what's wrong with you, or at the very least, spend like $50 at Rite-Aid on OTC remedies to flush out those poisonous hangers-on chemically. It's the American way.</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/8-important-reasons-to-always-call-in-sick-when-youre-sick">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/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/the-high-cost-of-catching-a-cold-or-the-flu">The High Cost of Catching a Cold or the Flu</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/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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-41-frugal-ways-to-battle-a-cold-or-flu">Flashback Friday: 41 Frugal Ways to Battle a Cold or Flu</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Health and Beauty call in sick cold flu Health home sick rest sick at work sick day stay home work Wed, 05 Oct 2016 09:00:08 +0000 Mikey Rox 1805694 at http://www.wisebread.com 10 Cheap Exercise Tools for a Killer Workout http://www.wisebread.com/10-cheap-exercise-tools-for-a-killer-workout <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-cheap-exercise-tools-for-a-killer-workout" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_89396693_MEDIUM.jpg" alt="kettlebells are great for a cheap workout" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting fit can be hard for a lot of reasons. Not least among those is that it is often expensive. Buying a gym membership, paying for a trainer, or even getting the running shoes that won't hurt your feet can easily be beyond your means, especially if you're trying to save up for something or pay off debt.</p> <p>But never fear! You can get the workout you need without spending a fortune. Here are some frugal, useful pieces of equipment that won't break the bank. (See also: <a href="http://www.wisebread.com/make-these-9-health-moves-now-or-youll-regret-it-in-20-years?ref=seealso">Make These 9 Health Moves Now or You'll Regret It in 20 Years</a>)</p> <h2>1. Yoga Mat</h2> <p>When most people think about a <a href="http://amzn.to/2bvWWWN">yoga mat</a>, they don't really think much beyond&hellip; well&hellip; yoga. While yoga is a wonderful full-body exercise, you can use your yoga mat for so much more. It lessens the impact anytime your feet hit the ground, so try using it for jogging in place, doing jumping jacks, mountain climbers, and more. Get your cardio on and then stretch it out, all from the comfort of your yoga mat.</p> <h2>2. Balance Ball</h2> <p>Those <a href="http://amzn.to/2bdDUnv">big, inflatable balls</a> aren't just good for your kids to bounce on, or as office chair substitutes. You can pick them up, squat with them, squeeze them in about a zillion different ways, and more. In the end, you'll definitely get a strength workout in, and you'll break a sweat, too. If you need more cardio, incorporate some jumping with &mdash; or over &mdash; the ball into your routine.</p> <h2>3. Resistance Bands</h2> <p>If a set of dumbbells are beyond your means right now, consider investing in some resistance bands instead. You can either get the type that a <a href="http://amzn.to/2bQyS4L">physical therapist will give you</a>, or <a href="http://amzn.to/2bdHWvK">some that come with handles</a>, or you can get the kind that are more like giant rubber bands. Either way, pulling them apart in different ways will work your entire body. You can also hang them from doors, and loop them around chairs in order to get the desired resistance and effect.</p> <h2>4. Bulgarian Bag</h2> <p>A <a href="http://www.artofmanliness.com/2011/10/21/minimalist-training-how-to-make-and-use-a-bulgarian-training-bag/">Bulgarian bag</a> is a training tool that many haven't heard of, and that's a shame. At its most basic, it's a narrow, heavy bag with some sort of strap. You can sling it around and even practice some Olympic lifting motions with it, or you can attach it to you for added weight while you do cardio. They range in price quite a bit, based on the weight, but it's easy to make your own for $15-$20.</p> <h2>5. Aerobic Step</h2> <p>Remember those steps that used to be all the rage in aerobics classes? Well, the classes aren't as popular anymore, but <a href="http://amzn.to/2byakOY">the steps are still useful</a>. You can use them for aerobics, but you can also stack them to make a (usually short) plyometric platform. If you're really in a bind, you can also use it as a low flat bench for lifting weights.</p> <h2>6. Flat Bench</h2> <p>And then there's <a href="http://amzn.to/2bIBQ8m">the flat bench</a>. If you're going to be doing more aerobics, the step is probably your best bet. But if you want something to lie on while you lift that Bulgarian bag over your head, the flat bench is probably better. You can still use it for plyometric purposes, and even for aerobics, if you really want to.</p> <h2>7. Jump Rope</h2> <p>A simple <a href="http://jumpnrope.com/jump-rope-store/jump-ropes/">jump rope</a> is one of the best training tools out there. Do you doubt me? Go jump for five minutes straight and come back. I'll wait.</p> <p>Seriously, though, jumping rope provides good, quick cardio, and it also activates most of the muscles in your body. Your legs will burn, and you'll even feel it in your back and shoulders if you jump long enough. The best thing about a jump rope, though, is that you can do it almost anywhere. It's easy to pack and you just need a tiny bit of open space to get your workout in. Even if your living space is teeny, you should be able to exercise with a jump rope.</p> <h2>8. Pullup Bar</h2> <p>Do you have a doorway? Great! Get an inexpensive but sturdy <a href="http://amzn.to/2bdfXBg">pullup bar</a>, attach it, and there you go! Instant workout. Even if you can't do pullups, working toward them is great exercise for your back and shoulders. And if you add in some jumping pullups, you'll work your lower body and get in some cardio, too. Add a set of resistance bands strung around the bar, and there's not a part of your body that you can't work.</p> <h2>9. BOSU Ball</h2> <p>A <a href="http://amzn.to/2bIDs20">BOSU ball</a> is one of those half balls on a platform that I'm sure you've seen around. It's a little funny looking, but it's also a great way to get in shape. Exercise on it for balance and toning, or do jumping exercises for cardio. There are various routines online to help you get started, so you don't have to think it all up by yourself. It might feel a bit awkward to start, but it will be worth it when you're getting in a killer workout.</p> <h2>10. Your Body</h2> <p><a href="https://www.reddit.com/r/bodyweightfitness/">Bodyweight-only exercise</a> has become a thing, and it's a legitimate one. No matter your current fitness level, there are ways you can exercise using only your body that will help you get stronger, get in your cardio, and even lose weight. Sure, there are the exercises everyone remembers from gym class &mdash; stuff like pushups and situps &mdash; but body weight fitness experts have gone far beyond that now. So even if you can't spend a cent on equipment, there's no reason you can't <a href="https://www.fitloop.co/">get your workout on</a>.</p> <p><em>What's your favorite piece of budget exercise equipment? How do you use it?</em></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/10-cheap-exercise-tools-for-a-killer-workout">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/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</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-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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-ultimate-green-workout">The Ultimate &quot;Green&quot; Workout</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/6-apps-that-pay-you-to-workout">6 Apps That Pay You to Workout</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-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> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty cheap fitness exercise tools fitness frugal fitness getting in shape Health healthy lifestyle workout Wed, 24 Aug 2016 10:30:12 +0000 Sarah Winfrey 1778321 at http://www.wisebread.com