Health and Beauty http://www.wisebread.com/taxonomy/term/4803/all en-US 5 Exotic Yoga Retreats Anyone Can Afford http://www.wisebread.com/5-exotic-yoga-retreats-anyone-can-afford <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-exotic-yoga-retreats-anyone-can-afford" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/buddha_image_thailand.jpg" alt="Buddha Image, Thailand" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You could be a yoga beginner with an interest in learning more, or an experienced yogi who has been practicing for years. Either way, there's no better place to enjoy a yoga vacation than in a beautiful, exotic location, and it doesn't have to cost an arm and a leg. Here are five exotic yoga retreats that won't break the bank. (See also: <a href="http://www.wisebread.com/how-to-build-your-best-travel-budget?ref=seealso" target="_blank">How to Build Your Best Travel Budget</a>)</p> <h2>1. Hariharalaya Yoga and Meditation Retreat &mdash; Siem Reap, Cambodia</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/lion_statues_in_bakong.jpg" width="605" height="340" alt="" /></p> <p>Not far from Siem Reap and its famed Angkor Wat temple complex is where you'll find Hariharalaya Yoga and Meditation Retreat Center. Nestled in two acres of lush Cambodian jungle, its facilities include an outdoor lounging pool, a spa and wellness center, a library, an outdoor gym, an art studio, and a game room. The program here allows for plenty of free time to make use of the excellent amenities. You'll also have time to take trips into the local village of Bakong, where there's a small market and a temple that's part of the Angkor Wat complex.</p> <p>Retreats last for six days and have a dedicated schedule of yoga, meditation, and chanting, as well as numerous seminars delivered by guest speakers in various related fields. Costs range from $260 for a place in a dormitory to up to $330 for a private bamboo hut, and include all of your meals. The food served here is a buffet style assortment of vegan dishes and is considered to be a key part of the holistic health approach taken at Hariharalaya.</p> <h2>2. Swan Yoga &mdash; Goa, India</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/statues_inside_goa_gajah_temple.jpg" width="605" height="340" alt="" /></p> <p>India is the place where yoga is believed to have started, so it's no wonder that this country is something of a haven for yoga enthusiasts. Goa is one of the main yoga hubs and, as a result, has a great selection of retreats to choose from to suit all budgets. Swan Yoga caters to beginners right through to experienced yogis, and has a philosophy of Gurukula-style teaching. This is where students are welcomed to live side-by-side with teachers as part of their family, with the learning process becoming a natural byproduct.</p> <p>From October through May, Swan Yoga runs its signature Yoga Holiday, a one-week journey through meditation, chanting, and detox. It also offers a two-week Yoga Intensive Retreat package, which enables students to delve a little deeper. The Swan Yoga Holiday prices start at $400, while the Intensive Retreat runs from $775. On site there is a &quot;fake beach&quot; to relax on, and a jungle garden where many of the fresh fruit and vegetables are grown for the buffet-style meals that are included in the price. Accommodation comes in the form of budget, standard, and deluxe cottages, which are simple but very comfortable.</p> <h2>3. Serenity Eco Guesthouse &mdash; Bali, Indonesia</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/sunset_at_tanah_lot_in_bali_indonesia.jpg" width="605" height="340" alt="" /></p> <p>On the enchanting Indonesian island of Bali, in a tranquil fishing village called Canggu, you'll find the Serenity Eco Guesthouse. Though, as the name suggests, it is primarily a guesthouse, the vast majority of its visitors aren't just there for somewhere to lay their heads for the night. The main attraction is the comprehensive yoga schedule, which features up to 12 classes a day and includes various forms of yoga. They also have packages that encompass surfing, meditation, and life coaching for those who want a little extra.</p> <p>Seven-day yoga packages, which include six nights of accommodation, unlimited yoga classes, and a free breakfast, start at just $147 for shared dormitories. For the same package but with a private, air-conditioned room and private bathroom, prices start at $242. Though food beyond breakfast isn't included in the cost, the on-site Alkaline Restaurant serves vegetarian and vegan food with prices for a main dish ranging from about $2.25 to $3.75. On-site facilities include a 14-meter pool and a Vipassana meditation room. The retreat is also close to many of Bali's best known attractions.</p> <h2>4. Suan Sati &mdash; Chiang Mai, Thailand</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/buddha_image_thailand.jpg" width="605" height="340" alt="" /></p> <p>Though it's one of Thailand's largest cities, Chiang Mai has a laid back feel to it, completely removed from the mayhem of Bangkok. Slightly to the north is the small village of Ban Si Bunreuang where Suan Sati Yoga Retreat is based, surrounded by lakes, rice fields, and forests, and overlooked by picturesque mountains. The retreat considers itself a community, and encourages guests to integrate in the town by interacting with the locals and attending the Buddhist temple for ceremonies. You'll get a taste of traditional rural Thai life as well as becoming part of the Suan Sati family.</p> <p>Rather than offering set retreats, visitors are able to book as many days as they require. It is suggested, however, you spend at least a week here, and booking preference and discounts are given to guests who check in for longer durations. A week in a traditionally decorated bamboo dorm room will cost you around $250 and includes three plant-based, Thai-inspired meals a day. Additionally, you'll have full access to the daily schedule of yoga and meditation. Suan Sati's classes accommodate beginners and practiced yogis alike.</p> <h2>5. Casa Zen Guesthouse and Yoga Center &mdash; Santa Teresa, Costa Rica</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/dream_beach_nicoya_costa_rica.jpg" width="605" height="340" alt="" /></p> <p>Costa Rica has built a reputation as Central America's yoga capital over recent years, and people come from all over the world to study and practice here. Casa Zen Guesthouse and Yoga Center is located on the Nicoya Peninsula on Costa Rica's Pacific coast, and is just a stone's throw away from the sea. Located between two major surf breaks, Casa Zen welcomes both yoga lovers and surf fanatics in equal measure.</p> <p>There are two retreat options available, four nights or seven nights, which start at $106 and $168, respectively, in low season, or $110 and $175 in high season. This is for a dorm bed. Prices increase for private accommodations. Retreats include unlimited yoga classes, with a minimum of two scheduled per day, as well as a tropical breakfast. Other meals aren't included, but there is a professional kitchen for guests' use and there are also restaurants nearby (according to Numbeo, an inexpensive meal in Costa Rica is around $7). Surfing lessons, Pilates, and spa services are all available for extra fees.</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-exotic-yoga-retreats-anyone-can-afford&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Exotic%2520Yoga%2520Retreats%2520Anyone%2520Can%2520Afford.jpg&amp;description=5%20Exotic%20Yoga%20Retreats%20Anyone%20Can%20Afford"></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%20Exotic%20Yoga%20Retreats%20Anyone%20Can%20Afford.jpg" alt="5 Exotic Yoga Retreats Anyone Can Afford" 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/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/5-exotic-yoga-retreats-anyone-can-afford">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-easy-health-and-fitness-tricks-for-travelers">8 Easy Health and Fitness Tricks for Travelers</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-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-3 views-row-odd"> <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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-ways-fitness-can-improve-your-finances">Flashback Friday: 34 Ways Fitness Can Improve Your Finances</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-apps-that-pay-you-to-workout">6 Apps That Pay You to Workout</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Travel exercise fitness health retreat meditation practice yoga travel destinations travel tips yoga yoga getaway yoga retreat Thu, 30 Nov 2017 09:30:06 +0000 Nick Wharton 2059324 at http://www.wisebread.com 6 Self-Care Gifts to Give Yourself This Holiday Season http://www.wisebread.com/6-self-care-gifts-to-give-yourself-this-holiday-season <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-self-care-gifts-to-give-yourself-this-holiday-season" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/cheerful_young_woman_smiling.jpg" alt="Cheerful young woman smiling" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's the holiday season, and while you might be busy buying gifts for others, you should also carve out some time (and maybe some goodies) for yourself, too. Self-care should be a priority for you, and it doesn't even have to cost you anything. Here are six ways to take good care of yourself so that you're able to take care of others during the most wonderful time of the year. (See also: <a href="http://www.wisebread.com/14-smartphone-apps-that-make-self-care-a-snap?ref=seealso" target="_blank">14 Smartphone Apps That Make Self-Care a Snap</a>)</p> <h2>1. A better night's sleep</h2> <p>A good night's sleep gives you a strong start to the day, and while there are loads of pricey high-tech sleep gadgets, there are plenty of inexpensive, yet luxurious ways to ease you into slumber, too. <a href="http://amzn.to/2hDYLpA" target="_blank">Cozy pajamas</a>, a <a href="http://amzn.to/2zWAVQl" target="_blank">fluffy robe</a>, toasty <a href="http://amzn.to/2jdmRaO" target="_blank">slippers</a>, and a <a href="http://amzn.to/2jG4G1t" target="_blank">weighted blanket</a>, are just a few budget-friendly gifts that you totally deserve.</p> <p>You can also spritz your pillows with homemade lavender water. Just add 10 drops of lavender essential oil to two ounces of water in a small spray bottle. Ask Alexa, or other home device to play nature sounds for you, or download one of the many free apps on your phone that has soothing sounds to lull you to sleep. (See also: <a href="http://www.wisebread.com/9-frugal-gifts-for-the-person-who-needs-a-nap?ref=seealso" target="_blank">9 Frugal Gifts for the Person Who Needs a Nap</a>)</p> <h2>2. Coffee and other warm beverages</h2> <p>Grabbing a no-frills coffee at a cafe, to say nothing of a fancier drink, costs much more than buying gourmet grounds to brew at home. That also goes for tea, hot chocolate, hot apple cider, and any other warm winter drink. And what's better than grabbing a hot cup of your favorite drink and curling up in front of the fire or classic holiday movie? During this magical time of year, there are plenty of options for gourmet coffee to buy and make at home for pennies on the dollar of what you'd pay at a restaurant or coffee shop. (See also: <a href="http://www.wisebread.com/heres-how-rich-youd-be-if-you-stopped-drinking-expensive-coffee?ref=seealso" target="_blank">Here's How Rich You'd Be if You Stopped Drinking Expensive Coffee</a>)</p> <h2>3. Time outdoors</h2> <p>Even though the temperatures are dropping, getting some fresh air helps reduce stress, and provide an energy boost. Bundle up and go for a walk before work, at lunch, or on your way home. It doesn't have to be for a set amount of time, either. Just go until you feel like you're ready to head back inside. And any time spent out in nature won't cost you a thing. (See also: <a href="http://www.wisebread.com/6-outdoor-adventures-that-dont-cost-a-dime?ref=seealso" target="_blank">6 Outdoor Adventures That Don't Cost a Dime</a>)</p> <h2>4. The gift of giving</h2> <p>Many organizations are having special volunteer events to prepare Christmas baskets, wrap presents for kids, and perform numerous other services for those who need our help. Put aside some time or a bit of your holiday budget to give back. I have some relatives who prefer to receive donations to their favorite charities in lieu of Christmas gifts, and I'm always happy to oblige. The feeling you get from helping those less fortunate is better than most tangible gifts you will ever receive. (See also: <a href="http://www.wisebread.com/8-charities-you-can-trust-with-your-holiday-donations?ref=seealso" target="_blank">8 Charities You Can Trust With Your Holiday Donations</a>)</p> <h2>5. Plenty of healthy foods</h2> <p>Those holiday parties and traditional meals are coming. In these weeks leading up to them, do a little pretox with plenty of fruits and vegetables, healthy fats, and lean proteins. One friend of mine takes &quot;pretox&quot; so seriously that she goes vegan before the holidays are in full swing. She finds that she loses a little bit of weight before the holidays and then can enjoy all of her favorite foods without feeling guilty. Pack your meals with healthy ingredients and reap the benefits of enjoying a well-balanced diet, at least until the candy canes get handed out. (See also: <a href="http://www.wisebread.com/13-fantastic-lettuce-free-salads?ref=seealso" target="_blank">13 Fantastic Lettuce-Free Salads</a>)</p> <h2>6. A motivated new year</h2> <p>In the past, I've made long lists of things I was resolved to do in the new year. This year, I chose one big goal &mdash; to get my novel published &mdash; and I focused my creative energy to make that happen. With that success of a focused goal for this year, I've started to think about the one thing I'd like to accomplish for 2018. I'm using these last months of the year to form a plan one small piece at a time.</p> <p>Focusing your time on setting goals for the new year will keep you in a hopeful, positive mindset to end the current year with. And it costs you absolutely nothing to motivate yourself!</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-self-care-gifts-to-give-yourself-this-holiday-season&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Self-Care%2520Gifts%2520to%2520Give%2520Yourself%2520This%2520Holiday%2520Season.jpg&amp;description=6%20Self-Care%20Gifts%20to%20Give%20Yourself%20This%20Holiday%20Season"></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/u5180/6%20Self-Care%20Gifts%20to%20Give%20Yourself%20This%20Holiday%20Season.jpg" alt="6 Self-Care Gifts to Give Yourself This Holiday Season" 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/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/6-self-care-gifts-to-give-yourself-this-holiday-season">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/gift-giving-etiquette-to-get-you-through-the-holidays">Gift Giving Etiquette to Get You Through the Holidays</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/make-these-6-credit-card-moves-now-to-prepare-for-holiday-shopping">Make These 6 Credit Card Moves Now to Prepare for Holiday Shopping</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-actually-relax-over-the-holidays">8 Ways to Actually Relax Over the Holidays</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/cheat-sheet-retail-markup-on-common-items">Cheat Sheet: Retail Markup on Common Items</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/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks">Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping christmas shopping gift guide holiday shopping mental health self-care shopping tips Mon, 27 Nov 2017 09:30:10 +0000 Christa Avampato 2058942 at http://www.wisebread.com 4 Affordable Retirement Spots With World-Class Health Care http://www.wisebread.com/4-affordable-retirement-spots-with-world-class-health-care <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-affordable-retirement-spots-with-world-class-health-care" 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_placing_hands_on_the_shoulder_of_senior_man.jpg" alt="Senior woman placing hands on the shoulder of senior man" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Health care is one of the biggest considerations for any retiree planning to settle abroad, and could be a deciding factor when choosing which country to move to. Since Medicare does not cover health care costs for U.S. citizens living overseas, it&rsquo;s important to have a plan in place for how you&rsquo;re going to pay for it. But more than that, it&rsquo;s well advised to select somewhere that has a quality health care system to ensure that you get a good standard of treatment when you require it. (See also: <a href="http://www.wisebread.com/follow-these-5-steps-to-full-health-care-coverage-in-retirement?ref=seealso" target="_blank">Follow These 5 Steps to Full Health Care Coverage in Retirement</a>)</p> <p>As the saying goes, you can&rsquo;t put a price on your health. You can however, reduce how much it will cost for any treatment required. Many countries that are affordable to live in have health care on par with the U.S., so not only will your medical bills go down, but so will your cost of living.</p> <p>Note: All cost of living estimates refer to figures from <a href="http://numbeo.com" target="_blank">Numbeo</a>, the world&rsquo;s largest database of user contributed data about cities and countries worldwide.</p> <h2>Mexico</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/san_miguel_de_allende_in_mexico.jpg" width="605" height="340" alt="" /></p> <p>Living costs in Mexico City are nearly 60 percent lower than those in New York City, which is just one of the many reasons the country is a popular destination for retirees. It also has a high number of expats and a selection of communities specifically set up for retired Americans. Whether you want beautiful beaches, quaint colonial towns, or bustling cities with developed infrastructures, Mexico has it all. (See also: <a href="http://www.wisebread.com/how-almost-anyone-can-afford-to-retire-in-mexico?ref=seealso" target="_blank">How Almost Anyone Can Afford to Retire in Mexico</a>)</p> <p>As a foreigner, you won&rsquo;t be entitled to free public health care, but you&rsquo;ll have wide access to facilities because the majority of hospitals in Mexico are private establishments. Perhaps unsurprisingly, many of the best medical facilities in this country are based within the major cities of Mexico City, Guadalajara, and Monterrey. Thanks to the country&rsquo;s proximity to the U.S., many of Mexico&rsquo;s doctors not only speak excellent English, but have also spent time training and studying in the U.S.</p> <p>Dental care is particularly cheap in Mexico, with many U.S. citizens making special trips to enjoy the low prices. The border town of Los Algodones has even been nicknamed the &ldquo;dental capital of the world&rdquo; thanks to the high concentration of dental clinics there. Opticians are also easy to find in Los Algodones and there are a number of national chains and franchises that provide low priced examinations and treatments. (See also: <a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries?ref=seealso" target="_blank">Retire for Half the Cost in These 5 Countries</a>)</p> <h2>Malaysia</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/floating_mosque_reflection_in_penang_malaysia.jpg" width="605" height="340" alt="" /></p> <p>Malaysia is regularly recognized as one of the best countries to retire in thanks to its welcoming culture, warm climate, and extremely low living costs. Life in the capital, Kuala Lumpur, is 54 percent cheaper than in New York City, meaning your dollar goes a lot further. Retirees from across the globe understandably see this as a real attraction, and in the major cities you&rsquo;ll find large expat populations.</p> <p>Medical tourism is big business here, so much so that Malaysia&rsquo;s Ministry of Health has its own Healthcare Travel Council. It was set up by the government to raise the profile of the country as a top destination for world-class health care services and increase both the quality and quantity of medical tourism. It helps provide a standardized level of service by only approving and endorsing top quality medical facilities, which should give you peace of mind when selecting where to get treatment.</p> <p>As a non-Malaysian, you won&rsquo;t have access to free public health care, meaning you&rsquo;ll need to get a good insurance policy. However, these are generally cheaper than in the U.S., and will enable you to receive treatment in either public or private facilities, depending on your preference. (See also: <a href="http://www.wisebread.com/5-incredible-places-to-retire-abroad-that-anyone-can-afford?ref=seealso" target="_blank">5 Incredible Places to Retire Abroad That Anyone Can Afford</a>)</p> <h2>Costa Rica</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/national_theatre_of_costa_rica_in_san_jose.jpg" width="605" height="340" alt="" /></p> <p>With stunning Caribbean beaches, lush inland jungles, developed cities, and a warm, sunny climate all year round, Costa Rica really has it all. The cost of living in San Jose is 40 percent below that of New York City, while the standard of living remains extremely high. It&rsquo;s little wonder Costa Rica is so popular among retirees from the U.S.</p> <p>Many U.S. citizens already travel to Costa Rica every year for so-called medical tourism, as the prices are far lower than back home. But for expats living there as legally recognized residents, it gets even better. You have access to both tiers of their health service, private and public. If you need emergency treatment, you are eligible to receive it under the universal Caja system, as well as regular checkups, many prescription drugs, and even some surgeries.</p> <p>In addition to the public health care available, there&rsquo;s also an excellent private system that many retirees pay for, mainly because waiting times on non life-threatening surgeries are much shorter. Both systems are renowned for having up-to-date equipment, facilities, and technologies, which partly explains why the health care is rated so highly. You&rsquo;ll also find that most doctors speak English to a very high standard, which should alleviate any concerns around communication. (See also: <a href="http://www.wisebread.com/5-countries-that-welcome-american-retirees?ref=seealso" target="_blank">5 Countries That Welcome American Retirees</a>)</p> <h2>Portugal</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/porto_portugal_cityscape.jpg" width="605" height="340" alt="" /></p> <p>This former world superpower on the southern tip of Europe&rsquo;s Iberian Peninsula once ruled over territories across Latin America, Oceania, Asia, and Africa. These days it&rsquo;s more famous as a major tourist destination, thanks to its incredible beaches, historic architecture, and diverse cuisine. With Lisbon&rsquo;s cost of living 43 percent lower than New York&rsquo;s, many retirees are now viewing this as the perfect place to settle down. The Algarve coast in particular is a retirement hot spot, as it has great weather, beautiful beaches, and a large, established expat community for support.</p> <p>Portugal has always been a well-loved holiday and retirement destination for Europeans, but recently it&rsquo;s become popular among Americans as well. With Portugal&rsquo;s introduction of the Non-Habitual Resident Regime, it&rsquo;s now possible receive your pension tax free here as well as many other sources of income.</p> <p>On top of these benefits, Portugal&rsquo;s health care system is well-known for having excellent facilities and well-trained staff. There is a good public health care system here that foreigners have access to. It&rsquo;s free apart from some nominal patient contributions used to ensure people access the service in the correct way &mdash; for example, not going to the emergency room unless absolutely necessary. Doctors, particularly in the popular areas for retirees, generally speak English.</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F4-affordable-retirement-spots-with-world-class-health-care&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F4%2520Affordable%2520Retirement%2520Spots%2520With%2520World-Class%2520Health%2520Care%2520%25281%2529.jpg&amp;description=4%20Affordable%20Retirement%20Spots%20With%20World-Class%20Health%20Care"></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/u5180/4%20Affordable%20Retirement%20Spots%20With%20World-Class%20Health%20Care.jpg" alt="4 Affordable Retirement Spots With World-Class Health Care" width="250" height="374" /></p> <div style="display: none;"> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/4%20Affordable%20Retirement%20Spots%20With%20World-Class%20Health%20Care%20%281%29.jpg" alt="4 Affordable Retirement Spots With World-Class Health Care" width="212" height="605" /></p> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/4-affordable-retirement-spots-with-world-class-health-care">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-retirement-hotspots-that-are-cheaper-now-than-ever-before">9 Retirement Hotspots That Are Cheaper Now Than Ever Before</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-smart-reasons-to-retire-abroad">7 Smart Reasons to Retire Abroad</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/13-financial-steps-to-take-before-retiring-abroad">13 Financial Steps to Take Before Retiring Abroad</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/how-to-choose-the-perfect-country-to-retire-in">How to Choose the Perfect Country to Retire In</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-incredible-places-to-retire-abroad-that-anyone-can-afford">5 Incredible Places to Retire Abroad That Anyone Can Afford</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Retirement Travel health care international travel retire abroad retirement retirement hot spots world-class health care Tue, 21 Nov 2017 09:30:10 +0000 Nick Wharton 2056742 at http://www.wisebread.com Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks http://www.wisebread.com/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/meditation_at_airport.jpg" alt="Meditation at airport" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You're stuck at the airport. You're stressed. You're worried about being late to your destination. You're tired. What can you do to chill out on the spot?</p> <p>Luckily, you can make self-care your top priority wherever you are. You don't need a yoga mat, a dark room, and tons of lit candles around you in order to remain relaxed. Just follow these tips and you'll keep stress from ruining your trip. (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> <h2>1. Breathe deeply</h2> <p>Even if you're stuck standing in line with a pile of luggage, you still have enough room to take a deep breath. In addition to easing anxiety, deep breathing stabilizes blood pressure, and slows the heartbeat.</p> <p>One of the fundamentals of yoga (which was created as a method of relaxing the mind for meditation) is abdominal breathing, or diaphragmatic breathing. If you have never stepped inside of a yoga studio, don't fret. There are apps for this. <a href="https://support.apple.com/en-us/HT206999" target="_blank">Breathe</a> is a default breathing app for the Apple watch and iPhone, but <a href="http://www.saagara.com/apps/breathing/universal-breathing-pranayama" target="_blank">Universal Breathing</a> and <a href="http://www.breathing.zone/" target="_blank">Breathing Zone</a> also have many fans. (See also: <a href="http://www.wisebread.com/14-smartphone-apps-that-make-self-care-a-snap?ref=seealso" target="_blank">14 Smartphone Apps That Make Self-Care a Snap</a>)</p> <h2>2. Meditate</h2> <p>If you're already in the habit of breathing deeply, you might as well work on your meditation skills, too. Although relaxation is not actually the goal of meditation, it's often a happy side effect of the practice, along with reduced stress, lower blood pressure, and better circulation. Really, the goal of meditation is to stay in the present moment. There are many types of meditation, so choose one that feels comfortable to you.</p> <h2>3. Wash your hands</h2> <p>Actually, washing any part of your body in warm water will calm your nerves and muscles. But washing your hands with soap has the added benefit of killing germs that can make you sick. Planes, with their recycled air and filthy buttons, are flying disease factories.</p> <h2>4. Eat a healthy snack</h2> <p>Airports are of full of junk food. A sugary snack might provide a quick pick-me-up, but the resulting sugar crash will not improve your mood. Seek out fresh, raw fruits, veggies, and proteins from the newsstand or sandwich shop in your terminal. (See also: <a href="http://www.wisebread.com/eat-these-6-foods-to-stay-healthy-while-traveling?ref=seealso" target="_blank">Eat These 6 Foods to Stay Healthy While Traveling</a>)</p> <h2>5. Fidget</h2> <p>Knit. Twirl your fidget spinner. Try to peel an orange in one long spiral-shaped piece. Try your hand at tying nautical knots with a loose string on your coat. Lace your shoes in new and dramatic ways. Busy fingers will quiet a busy mind.</p> <h2>6. Clean out your purse or your inbox</h2> <p>Yeah, you should have done this before you left home, but now is the perfect time to remove all the old gum wrappers, random pen caps, and other assorted junk that is literally weighing you down from your bag.</p> <p>And once you're done with that, head over to your inbox and start deleting. Seeing that unread number go down within minutes will put your mind at ease, leaving your digital space much tidier. (See also: <a href="http://www.wisebread.com/5-easy-ways-to-declutter-your-digital-life?ref=seealso" target="_blank">5 Easy Ways to Declutter Your Digital Life</a>)</p> <h2>7. Move around</h2> <p>If the idea of doing stretches on the airport carpet grosses you out, there are many modified yoga poses, and other quick workouts you can do from the comfort (or discomfort) of your seat at the airport or even on the plane. Even a short lap around the terminal can put more pep in your step. (See also: <a href="http://www.wisebread.com/10-no-sweat-workouts-perfect-for-the-workplace?ref=seealso" target="_blank">10 No-Sweat Workouts Perfect for the Workplace</a>)</p> <h2>8. Imagine paradise</h2> <p>You might be on a layover from hell, but you can use <a href="https://www.psychologytoday.com/blog/in-flux/201606/the-benefits-creative-visualization" target="_blank">creative visualization</a> to take a fabulous vacation inside your head. Imagine yourself at your dream location. What are you doing? What music is playing in the background? What are you wearing? What delicious things are you going to order for dinner? Who are you traveling with? Since it's all in your head, nothing is too outrageous or silly.</p> <p>In addition to stress relief, creative visualization in a powerful training tool for your mind. It can help you solve problems by getting you to think outside of the box. There's a reason why everyone from professional athletes to artists use this brain hack to reach their goals. It works.</p> <h2>9. Laugh out loud</h2> <p>Laughter is the best medicine. OK, maybe not the best, compared to <em>actual</em> medicine. But it's certainly one of the best free ways to manage stress. So watch a funny movie, trade jokes with the person sitting next to you, or simply think of your most hilarious memory. Even if you can't release a giggle, the simple act of <a href="https://www.smithsonianmag.com/science-nature/simply-smiling-can-actually-reduce-stress-10461286/" target="_blank">smiling can reduce stress</a>.</p> <h2>10. Do a little journaling</h2> <p>Yes, keeping a gratitude journal does sound like something that your new-age aunt would recommend. But Auntie is right! A study out of Stanford University found that keeping a gratitude journal can <a href="http://www.sfgate.com/living/article/Stanford-happiness-class-proves-popular-helpful-2303168.php#photo-1809034" target="_blank">reduce stress by 27 percent</a>. Research subjects at Yale reported that that a <a href="http://ei.yale.edu/what-is-gratitude/" target="_blank">keeping a gratitude journal</a> resulted in higher alertness, determination, and energy. So put pen to paper and record all the reasons your life is good.</p> <h2>11. Unplug</h2> <p>Study after study has shown that unplugging from the phone and other devices is a quick way to reboot the brain. Hyper-connectivity takes a toll on people, psychologically and physically. Also, light-emitting devices like smartphones, e-readers, and tablets have been shown to <a href="https://www.ncbi.nlm.nih.gov/pubmed/25535358" target="_blank">negatively affect circadian timing</a>. If you are trying to use your flying time to get some rest or combat jet lag, avoid looking at your devices before you go to sleep. (See also: <a href="http://www.wisebread.com/how-to-fall-asleep-when-you-cant?ref=seealso" target="_blank">How to Fall Asleep When You Can't</a>)</p> <h2>12. Hug your loved ones</h2> <p>Hugging releases oxytocin, a stress-busting hormone, into the bloodstream. In addition to lowering blood pressure and anxiety, getting hugged improves pain tolerance, and boosts immunity. In a 2014 study, researchers from Carnegie Mellon University found that <a href="https://www.cmu.edu/news/stories/archives/2014/december/december17_hugsprotect.html" target="_blank">hugging protects people who are under stress</a> from the increased risk of colds.</p> <p>But hugging doesn't just help humans feel better. If you are traveling with an animal, petting has been shown to give similar benefits to both the person giving the pets and the animal receiving the pets. (See also: <a href="http://www.wisebread.com/23-tips-for-traveling-with-pets?ref=seealso" target="_blank">23 Tips for Traveling With Pets</a>)</p> <h2>13. Call a friend</h2> <p>Loneliness is a killer. If you are feeling disconnected, call someone, even if it's just to say hello. They will most likely be delighted to hear from you, and you'll kill some time while the two of you catch up. If none of your friends are available to chat, give your parents a call. Your mother would love for you to call her more often anyway.</p> <h2>14. Take a nap</h2> <p>This seems obvious. However, many people are afraid to nap at airports for security and scheduling reasons. As someone who sleeps in airports, and as a money and time saver, here is my three-step solution:</p> <ol> <li> <p>Secure your luggage.</p> </li> <li> <p>To avoid oversleeping, set an alarm clock.</p> </li> <li> <p>Write &quot;Please wake me up at (insert time)&quot; on sticky notes and stick those to yourself.</p> </li> </ol> <p>Now that you have my top-secret airport-sleeping trick, please go rest. You deserve it.</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fstuck-at-the-airport-relax-with-these-14-easy-self-care-tricks&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FStuck%2520at%2520the%2520Airport_%2520Relax%2520With%2520These%252014%2520Easy%2520Self-Care%2520Tricks.jpg&amp;description=Stuck%20at%20the%20Airport%3F%20Relax%20With%20These%2014%20Easy%20Self-Care%20Tricks"></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/Stuck%20at%20the%20Airport_%20Relax%20With%20These%2014%20Easy%20Self-Care%20Tricks.jpg" alt="Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks" 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/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks">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/8-ways-to-actually-relax-over-the-holidays">8 Ways to Actually Relax Over the Holidays</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-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <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-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/treat-yourself-with-these-7-free-self-care-routines">Treat Yourself With These 7 Free Self-Care Routines</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle Travel airports flight delays holiday stress holiday travel mental health self-care stress travel tips Thu, 09 Nov 2017 08:30:17 +0000 Max Wong 2050419 at http://www.wisebread.com 8 Ways to Actually Relax Over the Holidays http://www.wisebread.com/8-ways-to-actually-relax-over-the-holidays <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-actually-relax-over-the-holidays" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/cozy_christmas_at_home.jpg" alt="Cozy Christmas at home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's almost that time of year again. You know, the most wonderful time of year. Or, if you're like me, the time when you feel like you run a marathon for months and never, ever stop.</p> <p>During the holiday season, it's especially important to find a way to take a breather. After all, you want to remember these days as some of the best, right? And what better way to do that than to cut the crazy, and find a way to really relax and enjoy yourself?</p> <h2>1. Take a breath</h2> <p>No, you don't have to take up meditation. But even stopping for two or three breaths when you start to feel stressed can help you recenter. I know someone who goes so far as to set alarms on her exercise tracker every two or three hours. When her wrist buzzes, she finds a place where she can take a few deep breaths. She swears it makes her healthier and happier. (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> <h2>2. Plan fewer activities</h2> <p>There are a million things to do over the holiday season. If you try to do them all, though, you'll discover that they stop being fun and become stressful instead. So pick a few things, maybe the ones you're most excited about or the ones you think your family will love, and do only those. If you want to do something more, there's always next year. Limiting the number of things you commit to will reduce your stress.</p> <h2>3. Schedule intimate gatherings</h2> <p>When you really want to talk to someone, there's no better way to achieve that than to plan a small, intimate holiday get-together, rather than a huge bustling party. Have a few interesting people over, offer some simple refreshments, and really get to know the people in your life. It's so much less stressful than planning a huge party! You can even do this several times, with different people, if you have a lot of friends you'd like to entertain this season.</p> <h2>4. Play music</h2> <p>Whether you love traditional holiday music or not, it's likely you can find something that is both in the holiday spirit and that reduces your stress levels. You may not want to keep it on all the time, but finding a way to incorporate holiday music into your daily life should not only get you a little more into the holiday spirit, but can also help you feel more relaxed and excited about the season. (See also: <a href="http://www.wisebread.com/how-to-choose-the-best-streaming-music-service-for-you?ref=seealso" target="_blank">How to Choose the Best Streaming Music Service for You</a>)</p> <h2>5. Shop early</h2> <p>Buying your holiday gifts late can be incredibly stressful. The lines are longer, there are more people to contend with, and popular gifts can be harder to find. While it takes a bit of planning and some storage space, shopping early helps you avoid all of these hectic moments. Even if you love the rush of last-minute holiday gift-buying, you can plan your lists now and buy some items that might be impossible to find later. (See also: <a href="http://www.wisebread.com/10-reasons-you-should-start-your-holiday-shopping-now?ref=seealso" target="_blank">10 Reasons You Should Start Your Holiday Shopping Now</a>)</p> <h2>6. Take some time off</h2> <p>Depending on your job, taking time off right around the holidays can be almost impossible. But if you have the vacation days, it's worth taking a few sometime during the season to make time to chill. If nothing else, use a couple of vacation days just to get stuff done. That way, you don't have to fit everything in around work and the rest of your hectic holiday schedule.</p> <h2>7. Make time to exercise</h2> <p>When you're running around like crazy, fitting in exercise can feel like just one more difficult thing you have to do. Since exercise reduces stress, though, it may be one of the most important things that you do this holiday season. You don't have to find time for a killer gym workout, either. A 20-30 minute walk, even on a treadmill, will do you good. Make exercise a habit during the holidays, and beat some of the stress that comes with the season.</p> <h2>8. Get outside</h2> <p>Unfortunately, one of the most stressful times of the year goes hand in hand with one of the darkest times of the year. This is important because time spent out in natural light helps the body produce vitamin D, which is key to helping us deal with stress. Whenever possible, spend a few minutes each day outside. If you can't stand the cold, take some vitamin D supplements so your body has what it needs to be able to battle stress.</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-ways-to-actually-relax-over-the-holidays&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Ways%2520to%2520Actually%2520Relax%2520Over%2520the%2520Holidays.jpg&amp;description=8%20Ways%20to%20Actually%20Relax%20Over%20the%20Holidays"></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%20Ways%20to%20Actually%20Relax%20Over%20the%20Holidays.jpg" alt="8 Ways to Actually Relax Over the Holidays" 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/8-ways-to-actually-relax-over-the-holidays">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks">Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks</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-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <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-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/treat-yourself-with-these-7-free-self-care-routines">Treat Yourself With These 7 Free Self-Care Routines</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle Christmas get enough sleep holiday travel Holidays mental health self-care stress stress-free Thanksgiving Thu, 02 Nov 2017 08:00:09 +0000 Sarah Winfrey 2039985 at http://www.wisebread.com The 5 Best Flushable Wipes http://www.wisebread.com/the-5-best-flushable-wipes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-flushable-wipes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/flushable_wipes_476331938.jpg" alt="Using the best flushable wipes" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Once you've tried flushable wipes, they will likely become one of the most important parts of your sanitary routine. If you haven't tried them before, they can provide a clean &quot;down there&quot; similar to what you could achieve with a bidet. (See also: <a href="http://www.wisebread.com/the-5-best-bidet-seats?ref=seealso" target="_blank">The 5 Best Bidet Seats</a>)</p> <h2>What is a flushable wipe?</h2> <p>Flushable wipes are a personal cleansing alternative to toilet paper. They are more effective than toilet paper, leaving your nether-regions feeling clean and fresh.</p> <p>For best results, flush only one or two wipes at a time so that you don't inadvertently clog the toilet. Look for disposable personal cleansing cloths that are flushable and break down quickly.</p> <h2>Top 5 flushable wipes</h2> <h3>Cottonelle FreshCare Flushable Cleansing Cloths</h3> <p><a href="http://amzn.to/2lBI56Z" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cottonelle_0.jpg" width="245" height="245" align="right" alt="" /></a>Amazon's Choice for flushable wipes, the <a href="http://amzn.to/2lBI56Z" target="_blank">Cottonelle FreshCare Flushable Cleansing Cloths</a> are some of the most popular wipes on the market. They are alcohol-free and sewer- and septic-safe thanks to SafeFlush Technology. They have a ripple texture, fresh scent, and Quick Dry Performance. These have outstanding online reviews, including nearly 1,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2lBI56Z" target="_blank"><em>Currently $10.79 on Amazon</em></a></p> <h3>Charmin Freshmates Flushable Wet Wipes</h3> <p><a href="http://amzn.to/2zmhRLM" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/charmin_0.jpg" width="245" height="138" align="right" alt="" /></a>Amazon's #1 best-seller in rinse-free body cleansers and wipes, the <a href="http://amzn.to/2zmhRLM" target="_blank">Charmin Freshmates Flushable Wet Wipes</a> smell great and are sewer- and septic-safe. They have outstanding online reviews, including more than 500 five-star reviews on Amazon and are some of the most popular wipes on the market.</p> <p><a href="http://amzn.to/2zmhRLM" target="_blank"><em>Currently $19.44 on Amazon</em></a></p> <h3>Kandoo Flushable Biodegradable Training and Kids Cleansing Wet Wipes</h3> <p><a href="http://amzn.to/2zmwjTR" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/kandoo.jpg" width="211" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2zmwjTR" target="_blank">Kandoo Flushable Biodegradable Training and Kids Cleansing Wet Wipes</a> have a fresh scent. They're flush friendly, biodegradable, and moistened with lotion to be extra soft. The gentle wipes are hypoallergenic and have no drying alcohols, parabens, or sulfates, so they can be safely used on all ages and sensitive skin. They have great reviews and are frequently recommended online.</p> <p><a href="http://amzn.to/2zmwjTR" target="_blank"><em>Currently $5.99 on Amazon</em></a></p> <h3>Scott Naturals Flushable Cleansing Cloths</h3> <p><a href="http://amzn.to/2z8YBAC" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/scott_0.jpg" width="245" height="174" align="right" alt="" /></a>The <a href="http://amzn.to/2z8YBAC" target="_blank">Scott Naturals Flushable Cleansing Cloths</a> have a soft touch and fresh scent. The natural personal wipes are made from sustainable resources and have no alcohol or artificial dyes, so they're safe to use on sensitive skin. The SafeFlush technology helps break down the wipes so they are septic- and sewer-safe. The moist wipes have outstanding reviews and are frequently recommended online.</p> <p><a href="http://amzn.to/2ttkeFw" target="_blank"><em>Currently $15.25 on Amazon</em></a></p> <h3>DUDE Wipes Flushable Singles for Travel</h3> <p><a href="http://amzn.to/2xJjmPG" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/dude.jpg" width="245" height="229" align="right" alt="" />DUDE Wipes</a> have been a success ever since they were featured on <em>Shark Tank</em>. This set comes with 30 individually wrapped flushable singles for travel and a dispenser pack with 48 wipes. They are sewer- and septic-safe, 100% biodegradable, hypoallergenic, and free of alcohol, paraben, and fragrance. They are made of all natural, sustainable wipe material, including aloe vera and vitamin E to soothe sensitive skin. They are extra thick and 25 percent larger than average flushable wipes to cover larger areas.</p> <p>The convenient travel wipes are pocket sized, TSA-approved, and perfect for use anywhere. They can also be used on your face, armpits, hands, and body. They have outstanding online reviews and even make a great gift for any man in your life. They are also backed by a money-back guarantee.</p> <p><a href="http://amzn.to/2xJjmPG" target="_blank"><em>Currently $15.71 on Amazon</em></a></p> <p>And those are our recommendations for the best flushable wipes. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-flushable-wipes&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Flushable%2520Wipes.jpg&amp;description=The%205%20Best%20Flushable%20Wipes"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;">&nbsp;<img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Flushable%20Wipes.jpg" alt="The 5 Best Flushable Wipes" 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/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-flushable-wipes">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-anti-itch-creams">The 5 Best Anti-Itch Creams</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-5-best-smart-water-bottles">The 5 Best Smart Water Bottles</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-5-best-shampoos-for-frizzy-hair">The 5 Best Shampoos for Frizzy Hair</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</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-5-best-callus-removers">The 5 Best Callus Removers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best baby wipes cleansing wipes flushable wipes product reviews shopping Thu, 02 Nov 2017 08:00:07 +0000 Andrea Cannon 2046294 at http://www.wisebread.com How to Sign Up for Health Care in 2018 http://www.wisebread.com/how-to-sign-up-for-health-care-in-2018 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-sign-up-for-health-care-in-2018" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/open_enrollment_workplace_of_a_doctor.jpg" alt="Open Enrollment, Workplace of a doctor" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you need to buy a health insurance plan through the Affordable Care Act (also commonly referred to as the exchange, the ACA, or Obamacare), there are a number of important facts that you must know for 2018 open enrollment. As someone who has purchased health insurance through the ACA several times, I know how important it is to have this information. Here are the details you need for open enrollment this year. (See also: <a href="http://www.wisebread.com/the-one-question-you-need-to-answer-to-choose-the-best-health-care-plan?ref=seealso" target="_blank">The One Question You Need to Answer to Choose the Best Health Care Plan</a>)</p> <h2>What is open enrollment?</h2> <p>Open enrollment is a time period at the end of the year when anyone can buy a new health insurance policy for the following year if they don't have health insurance through another source (such as an employer).</p> <h2>Is open enrollment the only time to get health insurance through the ACA?</h2> <p>To be eligible to enroll in a health insurance plan through the ACA outside of the open enrollment period, you must have what's known as a qualifying life event. <a href="https://www.healthcare.gov/screener/" target="_blank">Healthcare.gov's screener</a> tool provides a questionnaire that tells you whether or not your life event qualifies you for a special enrollment. If it does, you will be directed to the appropriate website where you can purchase a new health insurance policy.</p> <h2>How do I get started in open enrollment?</h2> <p>Depending upon the state in which you claim your residency, you will either have a state-specific exchange or you will be a part of the federal exchange program. Healthcare.gov <a href="https://www.healthcare.gov/marketplace-in-your-state/" target="_blank">directs you to the appropriate Marketplace for you</a> when you enter your ZIP code at the start of the process.</p> <h2>When is open enrollment this year?</h2> <p>Open enrollment begins on November 1 and ends on December 15. It's important to note that open enrollment is a full six weeks shorter than it has been in years past, so you have much less time to enroll than you would have had in previous years. Some states that run their own state exchanges have extended their open enrollment period beyond the federally set end date of December 15. For example, my home state of New York has decided to make January 31 the end date for its open enrollment.</p> <h2>How does open enrollemt benefit consumers?</h2> <p>It may seem trivial, but open enrollment does offer people several benefits.</p> <h3>Locks in rates and benefits</h3> <p>Having an open enrollment period locks in the monthly cost (premium) that you pay to have health insurance for an entire year. Locking in your premium means that insurance companies cannot change it during that year. Because the benefits of your plan are also locked in for the year, insurance companies can't deny you any of the coverage you purchased during open enrollment.</p> <h3>Covers pre-existing conditions</h3> <p>Thanks to the ACA, you cannot be denied health insurance because of a pre-existing health condition. Before the ACA, it was legal for a health insurance company to deny coverage based on pre-existing conditions.</p> <h3>Provides minimum essential coverage</h3> <p>All plans available through the ACA must provide what's known as minimum essential coverage. This includes:</p> <ul> <li> <p>Ambulatory patient services. This is any service that takes place outside of a hospital and includes visits to a doctor's office, health clinic, or urgent care center.</p> </li> <li> <p>Chronic condition treatment. Chronic conditions are illnesses that must be consistently treated to prevent or slow their progression. They may or may not ever be fully cured. These include asthma, high blood pressure, high cholesterol, and diabetes.</p> </li> <li> <p>Emergency room services.</p> </li> <li> <p>Hospitalization.</p> </li> <li> <p>Laboratory services. These services include tests that help doctors diagnose your illness or condition. Blood work and screenings are examples of lab services.</p> </li> <li> <p>Maternity and newborn care.</p> </li> <li> <p>Mental health services and addiction treatment. This includes both inpatient and outpatient services. Inpatient services are those that require you to check in to a facility for multiple days of treatment. Outpatient services are those that occur in an office visit to a therapist.</p> </li> <li> <p>Pediatric services. This includes checkups, vaccinations, and immunizations, as well as dental and vision care.</p> </li> <li> <p>Prescription drugs.</p> </li> <li> <p>Preventive and wellness services. This includes physicals, immunizations, and screenings. For women, this also includes well visits to a gynecologist. Many times, these services are included in the insurance plan with no extra fee other than a copay if you go to a service provider who is in-network. In-network means that a service provider is preapproved by the insurance company. These in-network lists are available to you directly from the insurance company.</p> </li> <li> <p>Rehabilitative services and devices. This includes inpatient and outpatient services that help you to recover from an illness or injury.</p> </li> </ul> <h2>What if I can't afford the monthly premium for a plan on the ACA?</h2> <p>As of right now, the ACA offers subsidies to people who have incomes that are below certain thresholds. These subsidies are directly applied to your premium so your monthly bill is less than it would be without the subsidy. When you are on the ACA website, it will ask you if you'd like to see if you qualify for a subsidy. If you select yes, it will walk you through a short series of questions about your income to see if you qualify. If you do qualify, it will tell you how much of a subsidy you can receive, and you will be able to apply for it directly on the site. The subsidy will then be reflected on each of your monthly premium bills.</p> <h2>How can I find out if I qualify for Medicaid?</h2> <p>Some states have chosen to expand their Medicaid programs to cover more of their residents. To find out if you qualify for Medicaid, <a href="https://www.healthcare.gov/lower-costs/" target="_blank">choose your state and household size</a> on Healthare.gov and the site will tell you if you qualify.</p> <h2>I'm still confused about what I need to do to get health insurance through the ACA. What should I do?</h2> <p>Healthcare.gov has worked hard to train its customer service agents to provide phone support for people who need additional help. A page on their website details <a href="https://www.healthcare.gov/contact-us/" target="_blank">what you should know before you call</a> as well as the contact numbers for you to use. I have personally used New York's customer service line, and I received helpful, timely, and excellent service.</p> <p>If you need to buy insurance through the ACA, I highly recommend selecting your plan as early as possible in the open enrollment period. Having health insurance is one of the most responsible personal finance actions you can take to care for yourself and your family. If you need or want to purchase your own health insurance for 2018, please make sure to go to <a href="http://healthcare.gov" target="_blank">Healthcare.gov</a> between November 1 and December 15.</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-sign-up-for-health-care-in-2018&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Sign%2520Up%2520for%2520Health%2520Care%2520in%25202018.jpg&amp;description=How%20to%20Sign%20Up%20for%20Health%20Care%20in%202018"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Sign%20Up%20for%20Health%20Care%20in%202018.jpg" alt="How to Sign Up for Health Care in 2018" 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/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/how-to-sign-up-for-health-care-in-2018">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/the-one-question-you-need-to-answer-to-choose-the-best-health-care-plan">The One Question You Need to Answer to Choose the Best Health Care Plan</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/signing-up-for-obamacare-in-2015-heres-whats-new">Signing Up for Obamacare in 2015? Here&#039;s What&#039;s New</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/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Going Without Health Insurance in 2015? Here&#039;s What It&#039;ll Cost 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-ways-to-spend-your-last-minute-health-care-fsa-funds">8 Ways to Spend Your Last-Minute Health Care FSA Funds</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-health-insurance-benefits-youre-probably-not-using">6 Health Insurance Benefits You&#039;re Probably Not Using</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance ACA affordable care act health insurance obamacare open enrollment premiums qualifying life event subsidies the exchange Mon, 30 Oct 2017 08:00:07 +0000 Christa Avampato 2040661 at http://www.wisebread.com The 5 Best Face Scrubs http://www.wisebread.com/the-5-best-face-scrubs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-face-scrubs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/640210766.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Face scrubs are cleansers filled with little exfoliating scrubbers that can gently smooth skin. They can transform dull, dry skin by removing dead skin cells, hydrating the skin, shrinking pores, and preventing acne. They can also boost the absorption of skin care products and even make it easier to apply makeup.</p> <h2>What is face scrub?</h2> <p>Face scrubs are skin care products that deep clean the skin and exfoliate away dirt, oil, makeup, and impurities. While an exfoliating scrub should be part of your regular skin care routine, it's usually best to limit exfoliating to two or three times per week. You can expect smoother, healthier, more radiant skin with regular use. (See also: <a href="http://www.wisebread.com/the-5-best-charcoal-scrubs?ref=seealso" target="_blank">The 5 Best Charcoal Scrubs</a>)</p> <h2>Top 5 face scrubs</h2> <h3>St. Ives Naturally Clear Blemish and Blackhead Control Scrub</h3> <p><a href="http://amzn.to/2h8hSZ7" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/st%20ives_0.jpg" width="108" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2h8hSZ7" target="_blank">St. Ives Naturally Clear Blemish and Blackhead Control Scrub</a> (two-pack) is a cult classic for a reason. The creamy, oil-free base gently exfoliates, purifies, and nourishes the skin with beneficial ingredients like salicylic acid and 100 percent natural apricot extract, corn kernel meal, and walnut shell powder. The intense exfoliator gently cleans pores, promotes skin cell turnover and regeneration, and helps prevent breakouts and blackheads. It removes dirt, oil, and dead skin cells, leaving soft, smooth, healthy skin behind.</p> <p>The dermatologist-tested scrub is hypoallergenic, sulfate-free, paraben-free, and non-comedogenic. It works with all skin types, including acne-prone skin. It's an Amazon best-seller, Amazon's Choice for face scrubs, and recommended by TotalBeauty and Glamour. It also has outstanding online reviews, including more than 13,100 five-star reviews on Influenster.</p> <p><a href="http://amzn.to/2h8hSZ7" target="_blank"><em>Currently $12.98 on Amazon</em></a></p> <h3>Simple Kind to Skin Facial Scrub</h3> <p><a href="http://amzn.to/2h7CKzJ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/simple_3.jpg" width="121" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2h7CKzJ" target="_blank">Simple Kind to Skin Smoothing Facial Scrub</a> (three-pack) gently scrubs away dirt, oil, and dead skin cells with natural rice granules. It's made with triple-purified water, Pro-Vitamin B5, and vitamin E, which can invigorate the skin and provide instant hydration. It also leaves the skin's natural barrier intact so the skin doesn't dry out.</p> <p>This works on all skin types, including sensitive skin. It's hypoallergenic, non-comedogenic, pH balanced, and has no harsh chemicals, artificial perfume, or dyes that can irritate the skin. It is an Allure &quot;Best of Beauty&quot; Winner and is recommended by Glamour and InStyle.</p> <p><a href="http://amzn.to/2h7CKzJ" target="_blank"><em>Currently $18.70 on Amazon</em></a></p> <h3>ACURE Brightening Facial Scrub</h3> <p><a href="http://amzn.to/2gHiGXS" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/acure.jpg" width="97" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2gHiGXS" target="_blank">ACURE Brightening Facial Scrub</a> uses the power of the ocean to naturally exfoliate skin. Organic sea kelp and lemon peel gently exfoliate skin, French green clay cleanses and removes dirt and excess oil, and Madonna lily stem cells brighten the skin. The rough scrubbers work to gently brighten complexion, restore cells, and stimulate new cell growth with argan extract and chlorella growth factor.</p> <p>This organic face scrub is vegan, sulfate-free, and paraben-free. It works well on all skin types, even problem skin. It's an Amazon best-seller, an Allure &quot;Best of Beauty&quot; Award Winner, and a Birchbox favorite. It also has more than 1,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2gHiGXS" target="_blank"><em>Currently $7.64 on Amazon</em></a></p> <h3>Aveeno Positively Radiant Skin Brightening Exfoliating Daily Scrub</h3> <p><a href="http://amzn.to/2yKsFjC" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/aveeno_4.jpg" width="119" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2yKsFjC" target="_blank">Aveeno Positively Radiant Skin Brightening Exfoliating Daily Scrub</a> can help improve skin tone, texture, and clarity. It uses moisture-rich natural soy extract to transform dull, uneven skin into brighter, smoother, more radiant-looking skin. The naturally derived granules gently exfoliate while you cleanse for more even tone and texture.</p> <p>This is oil-free, soap-free, non-comedogenic, hypoallergenic, and safe for everyday use, even on sensitive skin. It's recommended by Glamour and has outstanding online reviews, including more than 1,100 five-star reviews on Influenster and more than 500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2yKsFjC" target="_blank"><em>Currently $5.81 on Amazon</em></a></p> <h3>Neutrogena Deep Clean Gentle Face Scrub</h3> <p><a href="http://amzn.to/2h6KhP0" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/neutrogena_10.jpg" width="135" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2h6KhP0" target="_blank">Neutrogena Deep Clean Gentle Face Scrub</a> is oil-free and non-comedogenic scrub, making it the perfect choice for just about any skin type, from sensitive to acne-prone skin. Beta hydroxy acid cleans deep down to pores to remove dirt, oil, and makeup for soft, smooth skin. The rich, creamy scrub gently exfoliates away dull, dead surface skin cells and rinses clean.</p> <p>This daily scrub can start transforming skin after just one use. It comes from the #1 dermatologist-recommended skin care brand and has outstanding online reviews.</p> <p><a href="http://amzn.to/2h6KhP0" target="_blank"><em>Currently $4.89 on Amazon</em></a></p> <p>And those are our recommendations for the best face scrubs. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-face-scrubs&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Face%2520Scrubs.jpg&amp;description=The%205%20Best%20Face%20Scrubs"></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/The%205%20Best%20Face%20Scrubs.jpg" alt="The 5 Best Face Scrubs" 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/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-face-scrubs">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/the-5-best-dandruff-shampoos">The 5 Best Dandruff Shampoos</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-5-best-facial-cleansing-devices">The 5 Best Facial Cleansing Devices</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-5-best-charcoal-scrubs">The 5 Best Charcoal Scrubs</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-facial-masks">The 5 Best Facial Masks</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-5-best-anti-itch-creams">The 5 Best Anti-Itch Creams</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best face scrubs face wash facial scrubs product reviews shopping skin care Wed, 25 Oct 2017 08:00:09 +0000 Andrea Cannon 2042242 at http://www.wisebread.com Flashback Friday: 88 Easy Ways to Get More Exercise http://www.wisebread.com/flashback-friday-88-easy-ways-to-get-more-exercise <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-88-easy-ways-to-get-more-exercise" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/women_exercising_together_647090176.jpg" alt="Women finding easy ways to get more exercise" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Working out is not easy. Conjuring up the motivation to work out is also not easy. When you're snuggled up in bed, the last thing you want to do is exit the blankets and pillows and move around enough to sweat. But unfortunately, it's a necessity to staying healthy, and well, alive. Take the effort out of it and get moving with these easy tips.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/fun-1180997-small.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/50-ways-to-make-exercise-more-fun?ref=fbf" target="_blank">50 Ways to Make Exercise More Fun</a> &mdash; In order to want to workout, it needs to not feel like a waking nightmare. It needs to be fun. Or at least, not completely terrible. These tips will give you that, so you never skip a workout again.</p> <p><a href="http://www.wisebread.com/10-no-sweat-workouts-perfect-for-the-workplace?ref=fbf" target="_blank">10 No-Sweat Workouts Perfect for the Workplace</a> &mdash; A great way to get your daily workouts over and done with is to do them at work. That way, when you leave for the day, you won't have to head to the gym. These workouts are easy and won't cause you to sweat through your shirt.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/exercise-home-467974367-small.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-simple-ways-to-get-more-exercise-without-working-out?ref=fbf" target="_blank">6 Simple Ways to Get More Exercise Without Working Out</a> &mdash; The best workouts are always the ones you don't even realize you're doing until you're done. If you take every possible opportunity to move more throughout the day by taking the stairs, parking further away, etc., you'll burn more calories without having to hit the treadmill.</p> <p><a href="http://www.wisebread.com/7-ways-to-sneak-more-exercise-into-your-busy-schedule?ref=fbf" target="_blank">7 Ways to Sneak More Exercise Into Your Busy Schedule</a> &mdash; An excuse that we all use to get out of exercising is that we're &quot;too busy&quot; to make the time. We have things to do, meals to cook, and errands to run, so workouts land at the bottom of the to-do list. But if you set small active goals each day to move more, and practice healthier habits, you're on your way.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_workout_phone_536139771.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-apps-that-pay-you-to-workout?ref=fbf" target="_blank">6 Apps That Pay You to Workout</a> &mdash; We're all motivated by money, so why not use it to get us to move more? These apps will actually pay you to exercise, so you're officially out of excuses not to.</p> <p><a href="http://www.wisebread.com/9-quick-workouts-you-can-do-during-commercial-breaks?ref=fbf" target="_blank">9 Quick Workouts You Can Do During Commercial Breaks</a> &mdash; Even if you stream all your favorite shows, you'll still be stuck sitting through ads. During those quick breaks, hop off the couch and get moving. By the time the show returns, you've earned a break to sit back down.</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-88-easy-ways-to-get-more-exercise">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/6-apps-that-pay-you-to-workout">6 Apps That Pay You to Workout</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-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-3 views-row-odd"> <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-4 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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-ways-fitness-can-improve-your-finances">Flashback Friday: 34 Ways Fitness Can Improve Your Finances</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty apps exercise fbf fit flashback friday get fit get in shape weight loss working out workouts Fri, 20 Oct 2017 08:31:14 +0000 Chrissa Hardy 2039912 at http://www.wisebread.com The 5 Best Facial Cleansing Devices http://www.wisebread.com/the-5-best-facial-cleansing-devices <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-facial-cleansing-devices" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_cleansing brush_851739770.jpg" alt="Woman using best facial cleansing devices" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A facial cleansing device can clean the skin much better than hands alone, with far less effort. It can also boost the absorption of skin care products and make it easier to apply makeup. (See also: <a href="http://www.wisebread.com/the-5-best-facial-cleansing-brushes?ref=seealso" target="_blank">The 5 Best Facial Cleansing Brushes</a>)</p> <h2>What is a facial cleansing device?</h2> <p>A facial cleansing device is a cleansing tool that can be used to intensify the effects of facial skin cleanser. It can deep clean the skin, reduce the appearance of pores, and even provide anti-aging benefits.</p> <h2>Top 5 facial cleansing devices</h2> <h3>FOREO LUNA Play Plus Portable Facial Cleansing Brush</h3> <p><a href="http://amzn.to/2ySOyjL" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/foreo.jpg" width="245" height="245" align="right" alt="" /></a>The cult classic <a href="http://amzn.to/2ySOyjL" target="_blank">FOREO LUNA Play Plus Portable Facial Cleansing Brush</a> cleans and massages at the same time. The powerful, compact sonic face cleanser is ergonomic, lightweight, and comfortable to use. The large, two-zone facial cleansing brush head is made of ultra-hygienic silicone and has long ultrasoft bristles. Dual level touchpoints target larger areas and tough areas like the T-zone. Up to 8,000 T-sonic pulsations per minute help even out complexion, reduce the appearance of pores, and thoroughly remove dirt, oil, and makeup residue.</p> <p>The waterproof, hypoallergenic, phthalate-free, BPA-free skin care device works on all skin types, from sensitive to acne-prone skin. It's available in a range of colors and is powered by a replaceable AAA battery (included). It has outstanding online reviews and is frequently recommended online by publications like Allure, OK! Magazine, and Heavy.com.</p> <p><a href="http://amzn.to/2ySOyjL" target="_blank"><em>Currently $49.00 on Amazon</em></a></p> <h3>Clarisonic Smart Profile Uplift 2-in-1 Cleansing Device</h3> <p><a href="http://amzn.to/2yw1qKZ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/clarisonic_0.jpg" width="126" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2yw1qKZ" target="_blank">Clarisonic Smart Profile Uplift 2-in-1 Cleansing Device</a> is designed to gently, effectively cleanse the face while visibly improving 15 signs of aging on the face, neck, and décolleté. The sonic cleansing device can remove makeup, dirt, oil, and sweat six times better than hands alone, leaving the skin soft, smooth, and bright. The waterproof cleansing brush and firming massage head also delivers 27,000 micro-firming massages per use to smooth the look of pores, fine lines, and wrinkles.</p> <p>This is available in different colors and works on all skin types, including sensitive skin. Clarisonic is the #1 cleansing device recommended by U.S. dermatologists, and this is also a Glamour Beauty Award Winner and recommended by Allure and NewBeauty. It is also backed by a two-year warranty.</p> <p><a href="http://amzn.to/2yw1qKZ" target="_blank"><em>Currently $349.00 on Amazon</em></a></p> <h3>SOLO Mio Sonic Face Cleanser and Massager Brush</h3> <p><a href="http://amzn.to/2xNRAWc" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/solo.jpg" width="208" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2xNRAWc" target="_blank">SOLO Mio Sonic Face Cleanser and Massager Brush</a> is a two-in-one device with cleansing on one side and massaging on the other side. The handheld device offers sonic cleansing technology, which uses thousands of gentle pulsations per minute to thoroughly remove dirt, oil, and makeup residue. It has a large cleaning surface and angled head to better target the T-zone in order to reduce pore size, erase fine lines, and exfoliate your skin.</p> <p>The massaging side has thousands of silicone micro-fingers to help boost the blood circulation. This can help reduce the appearance of fine lines and wrinkles and increase the production of collagen and elastin to restore skin's firmness and elasticity.</p> <p>This is available in two colors and works on all skin types, including sensitive skin. It is rechargeable and should last more than a month per charge. It is an Amazon best-seller, recommended by Heavy.com, and has more than 500 five-star reviews on Amazon. The waterproof cleansing brush promises instant results and is backed by a 100% money-back guarantee.</p> <p><a href="http://amzn.to/2xNRAWc" target="_blank"><em>Currently $37.95 on Amazon</em></a></p> <h3>Braun Face 851</h3> <p><a href="http://amzn.to/2yRgDaX" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/braun_3.jpg" width="130" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2yRgDaX" target="_blank">Braun Face 851</a> is the world's first facial epilator and cleansing brush system. The sonic-cleansing brush gently cleanses skin with hundreds of micro-oscillations to thoroughly remove dirt, oil, and makeup. The waterproof two-in-one gadget delivers deep cleansing that is six times more effective than manual cleansing. The slim, precise epilator has 10 micro-openings to remove even the smallest hairs for even softer, smoother skin.</p> <p>The dermatologist-tested complete skin care regimen is ideal for daily use on all skin types, including sensitive skin. The set includes a beauty pouch and four different facial cleansing brushes: normal brush, extra sensitive brush, exfoliation brush, and beauty sponge. The set is recommended by InStyle and has outstanding online reviews.</p> <p><a href="http://amzn.to/2yRgDaX" target="_blank"><em>Currently $59.97 on Amazon</em></a></p> <h3>Clarisonic Mia FIT</h3> <p><a href="http://amzn.to/2ziM5eB" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/clarisonic%20mia.jpg" width="176" height="245" align="right" alt="" /></a>The waterproof <a href="http://amzn.to/2ziM5eB" target="_blank">Clarisonic Mia FIT</a> uses patented sonic oscillation technology and fluid forces to create 300 micro massage movements every second. This creates a vacuum effect, which works six times better than hands alone to remove dirt, oil, sweat, and makeup. The compact, lightweight daily sonic cleansing device also clears pores to help prevent future skin issues.</p> <p>The dermatologist-tested device is gentle enough for twice-a-day use on all skin types, including sensitive skin. It has impressive claims, such as 96% of women reporting smoother, softer, healthier-looking skin after use. Clarisonic is the #1 cleansing device recommended by U.S. dermatologists, and this is also recommended by The Independent and backed by a two-year warranty.</p> <p><a href="http://amzn.to/2ziM5eB" target="_blank"><em>Currently $153.30 on Amazon</em></a></p> <p>And those are our recommendations for the best facial cleansing devices. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-facial-cleansing-devices&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Facial%2520Cleansing%2520Devices.jpg&amp;description=The%205%20Best%20Facial%20Cleansing%20Devices"></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/The%205%20Best%20Facial%20Cleansing%20Devices.jpg" alt="The 5 Best Facial Cleansing Devices" 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/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-facial-cleansing-devices">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/the-5-best-dandruff-shampoos">The 5 Best Dandruff Shampoos</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-5-best-face-scrubs">The 5 Best Face Scrubs</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-5-best-facial-masks">The 5 Best Facial Masks</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-anti-itch-creams">The 5 Best Anti-Itch Creams</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-5-best-smart-water-bottles">The 5 Best Smart Water Bottles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best facial cleansing brushes facial cleansing devices product reviews shopping skin care Wed, 18 Oct 2017 08:00:13 +0000 Andrea Cannon 2038734 at http://www.wisebread.com 14 Smartphone Apps That Make Self-Care a Snap http://www.wisebread.com/14-smartphone-apps-that-make-self-care-a-snap <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-smartphone-apps-that-make-self-care-a-snap" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/morning_exercise_in_megacity.jpg" alt="Morning exercise in megacity" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Who has time for self-care these days? Whether our days are full of work or caring for family members, it's legitimately hard to find the time to prioritize our most basic needs. And while constant smartphone use is not known for being a healthy habit, our phones can make self-care a whole lot easier. Here are some apps that can help you unwind and take better care of your body throughout your busy day. (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> <h2>1. MyFitnessPal</h2> <p><a href="https://www.myfitnesspal.com/" target="_blank">MyFitnessPal</a> is one of the best food/exercise/hydration tracker apps out there. It has a massive food database to input your meals, and you can also add your own recipes and nutrition info. The app also helps you set goals for better rest, water intake, and weight loss. The best part, though, is that you can connect with friends to set up challenges or keep each other accountable. (See also: <a href="http://www.wisebread.com/6-apps-that-pay-you-to-workout?ref=seealso" target="_blank">6 Apps That Pay You to Workout</a>)</p> <h2>2. Yoga Studio</h2> <p>Not up for leaving the house, but still need to fit in a workout? Use <a href="http://www.yogastudioapp.com/" target="_blank">Yoga Studio</a> to get your sweat on. You can pick your level and the length of the class, or choose a class by instructor. The videos are beautiful and simple, and the app offers a free two-week trial to test before you buy. (See also: <a href="http://www.wisebread.com/5-things-yoga-can-teach-you-about-money?ref=seealso" target="_blank">5 Things Yoga Can Teach You About Money</a>)</p> <h2>3. Headspace</h2> <p><a href="https://www.headspace.com/" target="_blank">Headspace</a> is one of the most popular guided meditation apps out there. This will teach you how to meditate effectively. Headspace is designed for all levels of meditators, so you can use it and benefit from it even if you've never done it before. (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> <h2>4. Calm</h2> <p><a href="https://www.calm.com/" target="_blank">Calm</a> is another meditation app, but this one is specifically designed to help you decrease your anxiety and get better sleep. Follow guided meditations, learn to focus on your breathing, and you should feel better and rest easier.</p> <h2>5. Insight Timer</h2> <p><a href="https://insighttimer.com/" target="_blank">Insight Timer</a> is a free meditation app, although unlike Headspace, it is designed more for those who have meditated before. Follow guided meditations, track your progress, and meditate alone or with groups. (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>6. Breathing Zone</h2> <p>This app helps you slow and control the pace of your breathing for mindful meditation. <a href="http://www.breathing.zone/" target="_blank">Breathing Zone</a> offers a simple graphic that you can breathe along with to help you visualize the breaths leaving and entering your body. The app also analyzes your breathing rate, so you can see where you start and where you finish. (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> <h2>7. Acupressure: Heal Yourself</h2> <p>If you are stressed, anxious, or not sleeping well, acupressure may be able to help. The <a href="https://itunes.apple.com/us/app/acupressure-heal-yourself/id429680650?mt=8" target="_blank">Heal Yourself</a> app shows you the different pressure points that you can massage, and how to do it right. (See also: <a href="http://www.wisebread.com/5-ways-self-care-can-actually-save-you-money?ref=seealso" target="_blank">5 Ways Self Care Can Actually Save You Money</a>)</p> <h2>8. Start Stretching</h2> <p><a href="https://itunes.apple.com/us/app/start-stretching/id827568897?mt=8" target="_blank">Start Stretching</a> is another great how-to app for deep relaxation. If you are feeling tight, or that something isn't right in your body, stretching can instantly help you feel better. You will learn stretches associated with specific muscle groups and types of pain with this app. (See also: <a href="http://www.wisebread.com/10-easy-ways-to-work-stretching-into-your-daily-routine?ref=seealso" target="_blank">10 Easy Ways to Work Stretching Into Your Daily Routine</a>)</p> <h2>9. SleepBot</h2> <p><a href="https://mysleepbot.com/" target="_blank">SleepBot</a> is marketed as an alarm, but it actually tracks your sleep for you so it can wake you at the best time, based on your sleep cycles. It also tracks your sleep debt (how short you are on sleep) and will note or record any sounds above a certain level, so you can determine if you are snoring or talking in your sleep. (See also: <a href="http://www.wisebread.com/get-better-sleep-with-these-5-great-sleep-tracking-apps?ref=seealso" target="_blank">Get Better Sleep With These 5 Great Sleep-Tracking Apps</a>)</p> <h2>10. Sleep Cycle</h2> <p><a href="https://www.sleepcycle.com/how-it-works/" target="_blank">Sleep Cycle</a> is similar to SleepBot, though it doesn't track sleep debt or record sounds. It does, however, offer more in-depth charts of your sleep patterns. Try them both and see what works best for you.</p> <h2>11. Relax Melodies</h2> <p>If you struggle to fall asleep, <a href="https://www.ipnos.com/apps/relax-melodies/" target="_blank">Relax Melodies</a> can help. It offers all sorts of different sounds that you can play individually or combine into a set of sounds that will help you sleep. Choose everything from rain forest sounds to a binaural beat, and play your mix alongside a guided meditation. You can set a timer, too, so your mix doesn't play all night. (See also: <a href="http://www.wisebread.com/the-5-best-white-noise-machines?ref=seealso" target="_blank">The 5 Best White Noise Machines</a>)</p> <h2>12. Lumosity</h2> <p><a href="https://www.lumosity.com/" target="_blank">Lumosity</a> is free to start, and it exercises and trains your brain so it can function at a higher level. It takes your baseline, then offers you games and exercises to help your mind work better. As you go on in the program, some of the exercises do come with an extra cost. The designers work with scientists to make sure you are getting the best brain training out there to keep you mentally sharp into your golden years.</p> <h2>13. Gratitude Journal</h2> <p><a href="http://welovemojo.com/" target="_blank">Gratitude Journal</a> provides a place to note five things a day that you are grateful for. Since being grateful is supposed to make us happier and healthier, this app can help us achieve those goals. It's easy to use and lets you go back to see what you've been grateful for in the past, too. (See also: <a href="http://www.wisebread.com/7-ways-a-mindfulness-journal-can-fix-your-life?ref=seealso" target="_blank">7 Ways a Mindfulness Journal Can Fix Your Life</a>)</p> <h2>14. Happify</h2> <p><a href="https://my.happify.com/" target="_blank">Happify</a> provides you with games and activities to help you learn to control your thoughts and feelings, based on scientific research. This is called building resilience, and is key to feeling confident, competent, and in control of your life. You learn your initial happiness score, then participate in activities designed to raise that. You can track your happiness over time and learn what helps and what doesn't. (See also: <a href="http://www.wisebread.com/8-stress-relief-items-you-need-in-your-life-that-are-under-20?ref=seealso" target="_blank">8 Stress Relief Items You Need in Your Life That Are Under $20</a>)</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F14-smartphone-apps-that-make-self-care-a-snap&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F14%2520Smartphone%2520Apps%2520That%2520Make%2520Self-Care%2520a%2520Snap.jpg&amp;description=14%20Smartphone%20Apps%20That%20Make%20Self-Care%20a%20Snap"></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/u5180/14%20Smartphone%20Apps%20That%20Make%20Self-Care%20a%20Snap.jpg" alt="14 Smartphone Apps That Make Self-Care a Snap" 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/14-smartphone-apps-that-make-self-care-a-snap">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-easy-ways-to-fix-your-whole-life-this-summer">11 Easy Ways to Fix Your Whole Life This Summer</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-surprising-health-benefits-to-growing-a-garden">6 Surprising Health Benefits of Growing a Garden</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-apps-that-pay-you-to-workout">6 Apps That Pay You to 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/10-lifestyle-changes-that-will-always-pay-off">10 Lifestyle Changes That Will Always 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/10-ways-to-age-well-for-0">10 Ways to Age Well for $0</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Health and Beauty Technology exercise healthy eating healthy lifestyle healthy living apps meditation apps self-care self-care apps smartphone apps Tue, 17 Oct 2017 08:00:07 +0000 Sarah Winfrey 2037242 at http://www.wisebread.com 10 Ways to Age Well for $0 http://www.wisebread.com/10-ways-to-age-well-for-0 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ways-to-age-well-for-0" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beautiful_female_portrait.jpg" alt="Beautiful female portrait" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Aging isn't easy &mdash; I'll be the first person to admit that &mdash; and to make matters worse, it also isn't cheap. To keep the years off your face and body like your favorite celebrities, you have to shell out a substantial amount of cash for trainers, nutritionists, supplements, surgeons, makeup, and more.</p> <p>Or do you?</p> <p>Certainly there are plenty of quick fixes you can buy to make you look and feel better, but there are also ways to retain your youth and keep a healthy body, mind, and spirit for free. Take a look.</p> <h2>1. Get enough rest</h2> <p>You hear all the time how getting enough sleep is essential to your well-being. It's also critical to preserving your youth; as studies suggest that <a href="https://www.sciencedaily.com/releases/2013/07/130723155002.htm" target="_blank">sleep deprivation is linked to aging skin</a>. A good night's sleep is so powerful, in fact, that scientists from a UC Berkeley study found that deep sleep patterns can help <a href="http://news.berkeley.edu/2017/04/05/deep-sleep-aging/" target="_blank">prevent mental and physical disorders</a> as you get older.</p> <p>On the surface, says Sleep Train sleep and wellness expert Parinaz Samimi, &quot;Recent studies demonstrated a correlation between inadequate sleep and accelerated aging of the skin where sleep-deprived participants displayed fine lines, uneven skin pigmentation, and diminished skin elasticity. For the sake of aging gracefully and not wasting thousands of dollars on products that don't work, investing in at least seven hours of shut eye could make all the difference &mdash; in your skin and your wallet.&quot; (See also: <a href="http://www.wisebread.com/3-ways-good-sleep-makes-you-wealthier?ref=seealso" target="_blank">3 Ways Good Sleep Makes You Wealthier</a>)</p> <h2>2. Sleep on your back</h2> <p>Despite that about 41 percent of the population prefers the fetal position when sleeping (because, duh, it's the most comfortable), sleeping on your back is the best way to go if you want to keep your face tight.</p> <p>&quot;If you sleep on your face or your side, you will be more likely to get positional wrinkles that become harder and harder to get rid of over time,&quot; according to Dr. Lara Devgan, a New York City-based board-certified plastic and reconstructive surgeon. &quot;In my plastic surgery practice, I can always tell which side of the face a person sleeps on because that side has more volume loss, deeper furrows, and poorer skin quality.&quot;</p> <h2>3. Sleep in the buff</h2> <p>Google the benefits of sleeping naked and you'll find plenty of results that'll have you slipping out of your skivvies before you sink into bed tonight. For instance, crawling under the covers nude helps decrease cortisol, increase hormone growth and balance melatonin &mdash; because your body is able to cool off more efficiently when disrobed &mdash; which leads to healthier, more restorative sleep and is proven to reduce anxiety, stress, and food cravings. So let it all out.</p> <h2>4. Talk with your hands and voice, not your face</h2> <p>I personally love people with faces full of expression, but all that grinning and wide-eyed wonder will eventually show on your skin.</p> <p>&quot;Minimizing gratuitous use of facial expressions, like frowning, furrowing the brows, and scrunching up the nose, will help keep years off your face,&quot; Dr. Devgan says. &quot;Wrinkles and deep facial furrows are caused by repeated use of facial muscles, so a serene and placid resting expression are great ways to keep the years off your face.&quot;</p> <p>I imagine it's difficult to train yourself not to express yourself with your eyes if that's part of your personality, and in that case, you should just accept your fate as a wrinkly old person who has told a million fantastic and enthusiastic stories.</p> <h2>5. Exercise regularly</h2> <p>You don't need a gym membership to get in a good workout (the world around you can be your fitness center), and studies have suggested that exercise helps slow the aging of skin, among other health benefits, like increasing your libido, making your heart more efficient, and improving blood flow. If you need more motivation to break a sweat without paying a membership fee, go for a jog outside, download a free exercise app, or try free videos on YouTube. (See also: <a href="http://www.wisebread.com/7-online-workout-videos-for-free-or-cheap?ref=seealso" target="_blank">7 Online Workout Videos for Free or Cheap</a>)</p> <h2>6. Avoid smoking</h2> <p>It costs zero dollars to abstain from smoking, which is an awesome thing since not smoking can't kill you. There are so many negative effects of puffing on cigs regularly, the most visible of which include loose skin under the eyes, uneven skin tone from oxygen deprivation, deep lines around the lips, age spots, damaged teeth and gums, stained fingers, hair loss (smoking can accelerate this genetic defect), and a greater risk of psoriasis. (See also: <a href="http://www.wisebread.com/heres-how-rich-youd-be-if-you-stopped-smoking?ref=seealso" target="_blank">Here's How Rich You'd Be If You Stopped Smoking</a>)</p> <h2>7. Seek the shade</h2> <p>Sun exposure is responsible for most of the visible aging on your skin, so it's important to limit yourself without the use of sunscreen. That costs money, of course, so in the spirit of this zero-dollar goal, I also recommend wearing hats and eyewear, sitting in the shade, and using umbrellas while at the beach.</p> <h2>8. Decrease sugar consumption</h2> <p>Sugar is my weakness. Well, one of them. And I try my darndest to limit my candy and cake intake because I don't want to be unhealthy. I'm not gettin' any younger, after all.</p> <p>&quot;Sugar can be considered to be the scourge of our declining health, contributing to obesity, cardiovascular disease, diabetes, and, yes, even accelerated aging,&quot; Samimi explains. &quot;More often than not, people are encouraged to quit sugar for the purpose of whittling their waistline, unaware of the effects it has on our skin. Over-consuming sugar can result in wrinkles, damaging the collagen and elastin fibers that contribute to our skin's firmness and elasticity. The British Journal of Dermatology demonstrated an increase in wrinkles and sagging skin, which became evident in people age 35 who consumed more than the recommended amount of sugar.&quot;</p> <p>On a more positive note, it's never too late to make healthy changes. It may not undo the damage, but you'll slow down the progression.</p> <h2>9. Treat your hands and neck the way you treat your face</h2> <p>We all have grooming routines with our products of choice, but you can use those products in areas you might be neglecting.</p> <p>&quot;The neck and backs of the hands tend to show age much faster than the rest of the body, so treating these areas with your skin creams and SPFs is a helpful way to mitigate that effect,&quot; Dr. Devgan says.</p> <h2>10. Keep your mind sharp</h2> <p>I thought that playing brain games contributed to mental sharpness (and they do, though they target very specific cognitive abilities), but your best bet for keeping your mind in tiptop shape for the long haul requires social interaction, learning a new language, and visits to &quot;intellectually invigorating places&quot; like <a href="http://time.com/3423009/brain-games-keep-my-mind-sharp/" target="_blank">museums and cultural centers</a>, according to Dr. Karen Li, head of Concordia University. Lucky for us, all of this is mostly available for free no matter where you live.</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-ways-to-age-well-for-0&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Ways%2520to%2520Age%2520Well%2520for%25200%2520Dollars.jpg&amp;description=10%20Ways%20to%20Age%20Well%20for%200%20dollars"></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%20Age%20Well%20for%200%20Dollars.jpg" alt="10 Ways to Age Well for $0" 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/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-ways-to-age-well-for-0">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-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</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/14-smartphone-apps-that-make-self-care-a-snap">14 Smartphone Apps That Make Self-Care a Snap</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-lifestyle-changes-that-will-always-pay-off">10 Lifestyle Changes That Will Always 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/11-easy-ways-to-fix-your-whole-life-this-summer">11 Easy Ways to Fix Your Whole Life This Summer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle aging anti-aging products exercise fountain of youth getting older healthy eating healthy habits Fri, 06 Oct 2017 09:00:06 +0000 Mikey Rox 2031344 at http://www.wisebread.com 5 Common Medicare Myths, Debunked http://www.wisebread.com/5-common-medicare-myths-debunked <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-common-medicare-myths-debunked" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/medicare_application_form_with_stethoscope.jpg" alt="Medicare application form with stethoscope" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There is no larger health insurance program in the United States than Medicare. According to the Centers for Medicare &amp; Medicaid Services, more than 57 million people were receiving health benefits through the program as of March 2017.</p> <p>But just because millions are on Medicare doesn't mean that most people, especially those who have yet to hit 65, understand how this government program works. Most people instead believe several easily debunked myths about what Medicare does, how financially healthy it is, and what it doesn't do.</p> <h2>1. Medicare won&rsquo;t be around for me</h2> <p>You might worry that Medicare won't be around to cover your health care needs by the time you retire. Here's some good news: Medicare is not broke ... yet.</p> <p>The Medicare program had about $200 billion in reserves at the end of 2015. So the program does have money.</p> <p>There is some concern, though. Medicare is projected to run a surplus every year through 2020, when a growing number of Baby Boomers will start retiring. This means that Medicare will then run at an annual deficit beginning in 2021. If nothing is done to prevent this, the program will exhaust its reserves by the year 2028.</p> <p>That will be a big problem if it is allowed to happen. There are possible solutions, though, even though they will require some financial pain. The most obvious one would be to raise Medicare taxes. That won't make anyone happy, but it is the simplest way to ensure that Medicare does have enough dollars to cover all of its beneficiaries.</p> <h2>2. There's only one type of Medicare</h2> <p>Medicare is a complicated system. In fact, there are actually <em>four </em>types of Medicare coverage.</p> <p>Medicare Part A and Part B are part of what is known as original Medicare. Medicare Part A, known as hospital insurance, covers inpatient care received at hospitals and nursing facilities. Part B covers services and supplies that you need to treat health conditions. This part of Medicare covers outpatient care, preventive services, ambulance rides, and medical equipment.</p> <p>Medicare Part C is a bit more complicated: It's the part of the program that makes it possible for private health insurance companies to provide Medicare private health plans &mdash; in the form of HMOs and PPOs &mdash; known as Medicare Advantage Plans. You can elect to receive your medical benefits through a combination of Medicare Part A and Medicare Part B or from one of these private Advantage Plans. (See also: <a href="http://www.wisebread.com/8-tips-for-getting-the-most-out-of-your-medicare-plan?ref=seealso" target="_blank">8 Tips for Getting the Most Out of Your Medicare Plan</a>)</p> <p><a href="http://www.wisebread.com/how-to-compare-medicare-part-d-plans-a-beginner-s-guide" target="_blank">Medicare Part D</a> subsidizes the cost of your prescription drugs. This part of the program is often referred to as the Medicare prescription drug benefit.</p> <h2>3. You'll never have to pay for health insurance once you're on Medicare</h2> <p>Medicare will cover much of your health insurance needs. But there are some costs that you'll still need to cover on your own.</p> <p>For instance, Medicare does come with deductibles that you must pay before the insurance kicks in. These deductibles can change each year. For 2017, Medicare Part A comes with a $1,316 deductible per benefit period for your hospital stays. This means that if you do end up in the hospital, you'll have to pay this amount out of your own savings before Medicare will cover the rest of your expenses.</p> <p>Medicare Part B has a deductible of $183 for 2017. Again, you'll have to pay this amount before your Medicare coverage kicks in. And even after Part B coverage begins, you'll still have a copay. Medicare Part B generally covers 80 percent of your medical services. You'll have to cover the remaining 20 percent of these costs on your own.</p> <p>There are also coinsurance payments. If you must stay in a hospital for more than 60 days, you'll have to make a coinsurance payment for your Medicare Part A benefits.</p> <h2>4. Medicare covers all my medical needs</h2> <p>There are some medical services that Medicare does not provide any coverage for. Unfortunately, these services aren't exactly frivolous ones.</p> <p>Medicare does not provide dental coverage. It also doesn't pay for vision examinations for glasses. You can't rely on Medicare to cover the costs of dentures or hearing aids. And if you need long-term care, Medicare again won't provide coverage.</p> <p>You can purchase specialized insurance programs to cover these medical expenses. But you'll have to pay for the plans on your own. (See also: <a href="http://www.wisebread.com/is-long-term-care-insurance-worth-it?ref=seealso" target="_blank">Is Long Term Care Insurance Worth It?</a>)</p> <h2>5. I won't have to pay any premiums for Medicare</h2> <p>Most people won't pay any monthly premiums for their Medicare Part A coverage. That's the good news. The bad news? You will pay a monthly premium for Medicare Part B.</p> <p>As of 2017, the Part B premium stood at $134 a month. Medicare, though, says that most people who get Social Security benefits pay less than that, for an average monthly premium of $109. This premium is usually deducted directly from your Social Security benefits. You won't be writing a check each month, but you'll still be paying for that Part B coverage.</p> <p>You'll also have to pay a premium each month if you elect to sign up for a Medicare Part C plan. These premiums will vary depending on your plan. Medicare Part D comes with a monthly premium, too, though this will vary according to your specific plan.</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-common-medicare-myths-debunked&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Common%2520Medicare%2520Myths%252C%2520Debunked.jpg&amp;description=5%20Common%20Medicare%20Myths%2C%20Debunked"></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%20Common%20Medicare%20Myths%2C%20Debunked.jpg" alt="5 Common Medicare Myths, Debunked" 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/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/5-common-medicare-myths-debunked">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-one-question-you-need-to-answer-to-choose-the-best-health-care-plan">The One Question You Need to Answer to Choose the Best Health Care Plan</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/women-pay-more-for-health-care-heres-how-to-pay-less">Women Pay More for Health Care — Here&#039;s How to Pay Less</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/health-insurance-how-to-fight-back-against-4-common-claim-denials">Health Insurance: How to Fight Back Against 4 Common Claim Denials</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/4-affordable-retirement-spots-with-world-class-health-care">4 Affordable Retirement Spots With World-Class Health Care</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/15-surprising-insurance-policies-you-might-need">15 Surprising Insurance Policies You Might Need</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance coverage deductibles health care medical medicare myths premiums retirement social security Thu, 05 Oct 2017 08:00:06 +0000 Dan Rafter 2030973 at http://www.wisebread.com How the Self Employed Can Cut Health Care Costs http://www.wisebread.com/how-the-self-employed-can-cut-health-care-costs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-the-self-employed-can-cut-health-care-costs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/medical_costs.jpg" alt="Medical Costs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you run your own business, times like the present &mdash; when there is a lot of uncertainty about health care policy &mdash; can be challenging. Many self-employed Americans are already struggling to pay for insurance and medical costs. And it's hard to predict whether your premiums or out-of-pocket costs will rise substantially in the near future.</p> <p>So how do you insulate yourself? There isn't an easy answer, as I found during the roughly 10-year period when my husband and I were both freelancers raising four children in New Jersey, a very high-cost state when it comes to health care. (Last fall, he went in-house with a client, so now we get our health care through his job.) This is what worked for us.</p> <h2>Opt for a high-deductible plan with a health savings account</h2> <p>When it comes to health insurance, many people prefer plans that cover most of their out-of-pocket costs &mdash; such as a preferred provider organization (PPO) plan. Unfortunately, the premiums for these tend to be extremely high. For us, enrolling in a PPO plan would have been like taking on a second mortgage. (See also: <a href="http://www.wisebread.com/the-one-question-you-need-to-answer-to-choose-the-best-plan-on-the-health-care-marketplace?ref=seealso" target="_blank">The One Question You Need to Answer to Choose the Right Health Care Plan</a>)</p> <p>If you don't use a lot of medical care, you may find yourself over-insured with a PPO plan. Generally, if you're self-employed, the most affordable option is a high-deductible health care plan (HDHP), which allows you to open and use a <a href="http://www.wisebread.com/how-an-hsa-saves-you-money?ref=internal" target="_blank">health savings account (HSA)</a>.</p> <p>The premiums for an HDHP tend to be lower than those for a PPO plan. Like most health care plans, an HDHP will completely cover preventive health services such as routine physicals and vaccinations &mdash; meaning you don't pay anything. However, there's a catch. Outside of preventive care, with a high-deductible plan you need to pay a certain dollar amount of medical costs &mdash; your deductible &mdash; before the plan starts covering your medical expenses. Often the deductible for an HDHP is thousands of dollars.</p> <p>A health savings plan can help you save for those medical costs in a tax-advantaged account, which is only available to people who have an HDHP. To use a health savings plan, your insurance plan's annual deductible in 2017 must be at least $1,300 if you're an individual, or $2,600 per year for a family plan (these numbers are adjusted every year).</p> <p>Putting that money into a health savings account on a pretax basis can reduce your taxable income. Because this helps cut your tax bill, there are, of course, limits to how much you can contribute ($3,400 for yourself only, or $6,750 for a family plan). You can use the money you put into the HSA to pay your medical expenses with a special debit card or checkbook you get when you open the account. The IRS publishes a <a href="https://www.irs.gov/pub/irs-pdf/p502.pdf" target="_blank">list of expenses you can use an HSA for</a>. (See also: <a href="http://www.wisebread.com/10-reasons-an-hsa-is-actually-worth-having?ref=seealso" target="_blank">10 Reasons an HSA Is Actually Worth Having</a>)</p> <p>To be sure, it is not easy to come up with the money to fund an HSA, especially if you are a freelancer with uneven income. We have funded ours by cutting down on extras. Sometimes making a small change, like switching to a better mobile phone plan, can make a difference. Even if you can only put in a quarter of the amount you're allowed and gradually increase the amount you contribute each year, you'll be further ahead than if you don't put anything into an HSA.</p> <h2>Get second opinions and shop around</h2> <p>There have been many cases over the years where the medical community has revised evidence-based recommendations as new information has become available for treating particular conditions. Given that reality, I've realized that there are many gray areas in medicine and have taken time to get second opinions any time a family member is advised to get a test or treatment that comes with risks or could be very costly. Sometimes, the doctor giving me a second opinion will suggest a way to tackle a problem using a simpler, less expensive solution that I haven't considered.</p> <p>I've found that functional medicine doctors can be fantastic allies in this respect. These MDs tend to be oriented toward finding the root cause of a problem so you can eliminate it, rather than simply treating the symptoms. Some don't take insurance, but there are a few who do, so it's worth asking health-oriented friends if they know one.</p> <p>Sometimes, it's even possible to shop around for medical procedures, despite the general lack of transparency in U.S. health care costs. I haven't personally used it, but the site <a href="https://www.mdsave.com/" target="_blank">MDsave</a>, which one entrepreneur highly recommended to me, allows you to compare prices and pay for medical procedures in advance at prearranged prices. There are also a number of other websites that let you compare medical costs.</p> <h2>Live a healthy lifestyle</h2> <p>None of us has total control over our health, but by doing what you can to eat well and stay fit, you can at least reduce your chances of developing health problems that have a lifestyle component or mitigate the harm they cause if you already have developed one.</p> <p>Many chronic conditions can be very costly, as a recent survey by the International Foundation of Employee Benefit Plans pointed out. Employers who completed the survey said the number one condition impacting their medical costs was diabetes, cited by 41 percent of respondents. Obesity, heart disease, and hypertension/high blood pressure were also among the top 10 medical costs.</p> <p>Two simple things you can do to stack the odds in favor of staying healthy, without any added expense, are buying fresh, unprocessed foods and preparing your food at home as often as you can. When you eat a lot of prepared frozen foods or eat out all the time, it's hard to avoid unhealthy ingredients, unless you can afford the highest-end options. (See also: <a href="http://www.wisebread.com/are-meal-prep-subscription-boxes-worth-it?ref=seealso" target="_blank">Are Meal Prep Subscription Boxes Worth It?</a>)</p> <p>The less-is-more approach can work with fitness, too. Instead of waiting for that perfect day when you can afford to sign up for a CrossFit or Barre class and do it regularly, find some type of enjoyable physical activity that is available to you now, whether that's taking a yoga class at your YMCA, going for a walk or jog around your neighborhood, or playing actively with your kids. And if you participate in an activity that gets you away from your computer, you'll probably meet some new friends, too, which is another good way to reduce stress. (See also: <a href="http://www.wisebread.com/10-lifestyle-changes-that-will-always-pay-off?ref=seealso" target="_blank">10 Lifestyle Changes That Will Always Pay Off</a>)</p> <p>These steps do take some effort, but they can pay off in lower health care costs. That's a big benefit if you're paying for your premiums and medical bills on your own.</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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-the-self-employed-can-cut-health-care-costs&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520the%2520Self%2520Employed%2520Can%2520Cut%2520Health%2520Care%2520Costs.jpg&amp;description=How%20the%20Self%20Employed%20Can%20Cut%20Health%20Care%20Costs"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20the%20Self%20Employed%20Can%20Cut%20Health%20Care%20Costs.jpg" alt="How the Self Employed Can Cut Health Care Costs" 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/elaine-pofeldt">Elaine Pofeldt</a> of <a href="http://www.wisebread.com/how-the-self-employed-can-cut-health-care-costs">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-surprising-things-your-hsa-will-cover">11 Surprising Things Your HSA Will Cover</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-vital-things-to-remember-when-buying-health-insurance">5 Vital Things to Remember When Buying Health Insurance</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-reasons-an-hsa-is-actually-worth-having">10 Reasons an HSA Is Actually Worth Having</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-common-medicare-myths-debunked">5 Common Medicare Myths, Debunked</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-one-question-you-need-to-answer-to-choose-the-best-health-care-plan">The One Question You Need to Answer to Choose the Best Health Care Plan</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship Health and Beauty Insurance freelancers hdhp health care health savings accounts healthy living high deductible plans HSA medical care PPO self employed small business owners Tue, 03 Oct 2017 08:30:11 +0000 Elaine Pofeldt 2028483 at http://www.wisebread.com Flashback Friday: 74 Easy Ways to Reduce Stress http://www.wisebread.com/flashback-friday-74-easy-ways-to-reduce-stress <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-74-easy-ways-to-reduce-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_relaxing_grass_544106630.jpg" alt="Woman finding easy ways to reduce stress" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Stress is a natural part of the human experience. There's really no way to prevent it altogether, but finding ways to manage stress and reduce it are paramount to leading a healthy and productive life. Here are 74 easy ways to keep stress from ruining your day.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_work_meditating_468693435.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments?ref=fbf" target="_blank">7 Ways to Stay Calm in Stressful Moments</a> &mdash; It might sound strange to practice breathing, as it's something you do without thinking in order to stay alive, but taking some time each day to focus on breathing deeply can drastically reduce your stress levels. This also prepares you for extremely stressful moments, as it'll feel second-nature to react with slow and deep breaths to remain calm.</p> <p><a href="http://www.wisebread.com/10-ways-to-relieve-your-money-stress?ref=fbf" target="_blank">10 Ways to Relieve Your Money Stress</a> &mdash; Money stress can be a bear. The bills keep piling up and obsessing over how you're going to get out of a debt hole can make you feel like you're suffocating. These simple strategies will help you escape that money stress, because after all, money isn't everything.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-618976344.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-stress-relief-items-you-need-in-your-life-that-are-under-20?ref=fbf" target="_blank">8 Stress Relief Items You Need in Your Life That Are Under $20</a> &mdash; Sometimes all it takes to push the stress away is giving yourself a treat. These affordable stress relief items will not only fit your budget, but they'll also brighten your mood.</p> <p><a href="http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes?ref=fbf" target="_blank">Beat Stress With These 28 Inexpensive Pastimes</a> &mdash; If you'd rather make some memories, rather than buy tangible things, these stress-relieving activities are what you've been looking for. It can be as easy as heading outside, breathing in the fresh air, and spending time with your favorite people. Instant mood boost!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_73912007_LARGE_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money?ref=fbf" target="_blank">8 Ways to Turn Your Stress Into Money</a> ― Another great way to battle stress is to turn it into cold hard cash. It's true that money can't buy happiness, but sometimes, it can definitely bring you peace.</p> <p><a href="http://www.wisebread.com/13-cheap-ways-to-beat-stress?ref=fbf" target="_blank">13 Cheap Ways to Beat Stress</a> &mdash; Stress relief shouldn't have to cost you an arm and a leg. Keeping your mind healthy is as important as keeping the rest of your body healthy. And until mental health care is free, these budget-friendly stress relievers will help put your mind at ease.</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-74-easy-ways-to-reduce-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-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-actually-relax-over-the-holidays">8 Ways to Actually Relax Over the Holidays</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/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks">Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle anxiety fbf flashback friday how to relax mental health relaxation self-care stress free Fri, 22 Sep 2017 08:30:06 +0000 Chrissa Hardy 2024818 at http://www.wisebread.com