Health and Beauty http://www.wisebread.com/taxonomy/term/4803/all en-US 4 Beauty Products You Can Make in an Instant Pot http://www.wisebread.com/4-beauty-products-you-can-make-in-an-instant-pot <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-beauty-products-you-can-make-in-an-instant-pot" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/bars_of_homemade_soaps_honey_or_oil_and_healing_herbs.jpg" alt="Bars of homemade soaps, honey or oil and healing herbs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Seven-in-one kitchen appliance <a href="https://amzn.to/2I6aU23" target="_blank">Instant Pot</a> has received widespread acclaim since its popularity shot through the roof on Amazon Prime Day in 2016, when more than 215,000 units were sold. But there's even more to the miracle cooking device than meets the eye. Besides whipping up family-size meals in a jiff, you also can make inexpensive DIY beauty products in it. Here are a few to start with. (See also: <a href="http://www.wisebread.com/9-diy-beauty-masks-made-from-food?ref=seealso" target="_blank">9 DIY Beauty Masks Made From Food</a>)</p> <h2>Soothing anti-aging face cream</h2> <p>Certified integrative nutritionist and fitness instructor Dora Vandekamp, founder of the blog Biohack Your Beauty, offers this recipe for an anti-aging cream that will leave your face hydrated and silky smooth.</p> <p><strong><em>Ingredients</em></strong></p> <ul> <li> <p>1/2 cup organic jojoba oil</p> </li> <li> <p>1/2 cup organic coconut oil</p> </li> <li> <p>1/4 cup beeswax</p> </li> <li> <p>2 T organic cocoa butter</p> </li> <li> <p>2 drops Frankincense essential oil</p> </li> </ul> <p>You can find these items in your local craft stores, Walmart, Target, and Amazon.</p> <p><strong><em>Method</em></strong></p> <p>Add jojoba oil, coconut oil, beeswax, and cocoa butter to your Instant Pot. Select &quot;Keep Warm&quot; on the settings panel and allow ingredients to slowly melt &mdash; around 20 minutes. Add Frankincense essential oil then spoon into a Mason jar. It's best if used within six months.</p> <h2>Hard lotion bars</h2> <p>The most abundant Instant Pot beauty recipes online are currently for hard lotion bars, which offer the concentrated moisturizing effects of traditional lotion without all the mess. They also make pretty neat gifts.</p> <p>Lindsey Dietz at the blog Traditional Cooking School by Gnowfglins <a href="https://traditionalcookingschool.com/food-preparation/instant-pot-hard-lotion-bars/?utm_source=pinterest&amp;utm_medium=pinterest&amp;utm_campaign=pinterest" target="_blank">walks you through the process</a>, from grating main ingredients cacao butter and beeswax, to melting everything down in the Instant Pot with essential oils, to filling a silicone mold with the mixture and letting it harden. Dietz recommends for added scent, you select a &quot;skin-nourishing oil, such as ylang-ylang, cypress, lavender, sandalwood, or frankincense.&quot;</p> <p>For the silicone mold, you can find fun shapes at your local craft store or <a href="https://amzn.to/2FXU2Zv" target="_blank">Amazon</a>. This is an easy project that doubles as self-care.</p> <h2>Herbal hand salve</h2> <p>I consider myself a Burt's Bees loyalist when it comes to balms and salves, but I gave this recipe for Instant Pot herbal hand salve a try, and I may never go back.</p> <p>Great for keeping your hands and feet from cracking in the dry winter months, the salve recipe from <a href="http://www.ajsnaturalbeautyblog.com/2018/01/natural-diy-beauty-recipes-using-your.html" target="_blank">Natural Beauty Blog by AJ's</a> starts with making a soothing antibacterial oil with lavender buds and jojoba or sweet almond oils. Once that's complete, you combine the oil plus grated beeswax into the Instant Pot, stir until melted, and add a few drops of your favorite essential oil before pouring into pocket-size <a href="https://amzn.to/2ruN0pQ" target="_blank">Mason jars</a> or tins.</p> <p>And if you make more than you plan to use for yourself, you can save yourself some cash around the holiday season and give out the homemade salve as gifts. (See also: <a href="http://www.wisebread.com/9-easy-mason-jar-gifts-you-can-make?ref=seealso" target="_blank">9 Easy Mason Jar Gifts You Can Make</a>)</p> <h2>Herbal soap</h2> <p>Chris at Joybilee Farm uses her Instant Pot to <a href="https://joybileefarm.com/instant-pot-for-herbal-medicine/" target="_blank">make herbal soap</a> with the stainless steel insert because it's nonreactive and suitable for this type of project. The soap recipe she uses includes multiple oils, cold water, lye solution, essential oils, and frozen milk.</p> <p>&quot;The insert can be used for melting fats and blending oils,&quot; she says. &quot;It can be used to stir the lye into the fats and bring the soap to trace. It can also be used to cook the soap after trace, speeding up the time it takes for the soap to cure.&quot; Chris also notes that &quot;nonreactive glass should be used to hold the lye solution whether the soap is made with herbal tea, milk, or water,&quot; and should never be held in a metal container.</p> <p>Soap-making can be a lengthy process, and it's important to use caution when going through the stages with extremely hot liquid, and multiple chemicals. Wear gloves and eye protection to be safe.</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/4-beauty-products-you-can-make-in-an-instant-pot">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/heres-how-long-your-beauty-products-really-last">Here&#039;s How Long Your Beauty Products Really Last</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-cleansing-milks">The 5 Best Cleansing Milks</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-dandruff-shampoos">The 5 Best Dandruff Shampoos</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-amazing-easy-diy-bath-and-body-products">50 Amazing, Easy DIY Bath and Body Products</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-cleansing-balms">The 5 Best Cleansing Balms</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> DIY Health and Beauty beauty tips diy beauty diy projects diy skin care instant pot instant pot recipes skin care Wed, 16 May 2018 08:30:46 +0000 Mikey Rox 2140343 at http://www.wisebread.com 7 Self-Care Rituals for the Newly Retired http://www.wisebread.com/7-self-care-rituals-for-the-newly-retired <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-self-care-rituals-for-the-newly-retired" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/practising_mindfulness_through_yoga_and_meditation.jpg" alt="Practicing mindfulness through yoga and meditation" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You've done it. You're out of the rat race and you don't have to answer to the man anymore. In fact, you don't even have to get out of bed in the morning, unless you want to. While retirement can be a great thing, you should make the most of it and have a plan. Otherwise, you can end up feeling aimless, not sure what to do with yourself, or how to achieve your goals.</p> <p>One of the best ways to invest your retirement is in taking care of yourself. After all, your first priority has probably been work for the last handful of decades, and time spent in between was most likely on family and other responsibilities. Now that you're retired, here are some things you can do to prioritize self-care in your Golden Years. (See also: <a href="http://www.wisebread.com/7-retirement-splurges-worth-every-penny?ref=seealso" target="_blank">7 Retirement Splurges Worth Every Penny</a>)</p> <h2>1. Make time for cardio</h2> <p>Even if exercise hasn't been a huge part of your life, it's time to start thinking about it now. You don't have to become the Hulk, either. Even 30 minutes a day walking on a treadmill while you watch your favorite show will be good for your heart and will give you the endorphins you need to feel good about yourself and where you're at in life. (See also: <a href="http://www.wisebread.com/these-at-home-exercises-will-give-you-a-gym-quality-workout-for-free?ref=seealso" target="_blank">These At-Home Exercises Will Give You a Gym-Quality Workout for Free</a>)</p> <h2>2. Prioritize relationships</h2> <p>When you're working all the time, it can be hard to make relationships a priority. If your time isn't your own, it's easy to intend to see your friends and family, but then come up with reasons why you can't get together. In fact, due to this vicious cycle, you can end up feeling lonely and frustrated by the time you retire.</p> <p>Once you've retired, though, you can use that time to see your family and friends, even if you feel like you've neglected these relationships in the past. It's never too late to connect and to build the close bonds you've always wanted.</p> <h2>3. Schedule medical appointments</h2> <p>If you don't have any pressing health needs, it's easy to forget to take care of your body. However, regular physical checkups and testing can help you live longer and better, especially as you get older. If you've been putting off your physical for years, it's time to get one. Along similar lines, it's time to schedule your dental cleanings, eye exams, and any annual exams that you're supposed to have. Sure, these appointments aren't always fun, but taking care of them means taking care of you, and now is the perfect time to do that.</p> <h2>4. Read more books</h2> <p>Have you been trying to read more, but you haven't gotten around to it for years because you've been working full-time? Well, it's time to get back to it. Find those books you've been eyeing at the library or buy them in whatever form works best for you (paperback, hardback, ebook, large print, etc.) and schedule some time to dive in. (See also: <a href="http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks?ref=seealso" target="_blank">5 Easiest Ways to Score Free eBooks</a>)</p> <h2>5. Keep your brain active</h2> <p>The more you keep your brain active, the better it will work for you as you get older. Get a puzzle book, take up Sudoku, or find word or logic puzzles online to solve. You can even learn a new language or go back and refresh your math skills. Use that brain to solve problems, or learn something new, and you may find that you're thinking clearer than you have in years. (See also: <a href="http://www.wisebread.com/25-hobbies-you-can-start-for-under-10?ref=seealso" target="_blank">25 Hobbies You Can Start for Under $10</a>)</p> <h2>6. Embrace relaxation</h2> <p>Who has the time to relax when you're working and caring for your home and your family? It always seemed like there just weren't enough hours in the day to take time for yourself. Once you're retired, though, you have more free time at your disposal. Maybe you need to sit in a spa once a day, take regular bubble baths, write in a journal, or take a yoga class. You don't even have to spend money in order to get your mind and body in a more relaxed state. Do what makes you happy and puts your mind at ease. (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>7. Practice meditation</h2> <p>By teaching yourself how and where to focus your attention, you learn how to decide what is and is not important to you. Even if you haven't done this before, it's a skill that can take you far. Spending a few minutes each day just breathing in and out can reduce your stress and center your mind. (See also: <a href="http://www.wisebread.com/6-meditation-alternatives-for-people-with-busy-minds?ref=seealso" target="_blank">6 Meditation Alternatives for People With Busy Minds</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%2F7-self-care-rituals-for-the-newly-retired&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Self-Care%2520Rituals%2520for%2520the%2520Newly%2520Retired.jpg&amp;description=7%20Self-Care%20Rituals%20for%20the%20Newly%20Retired"></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/u5180/7%20Self-Care%20Rituals%20for%20the%20Newly%20Retired.jpg" alt="7 Self-Care Rituals for the Newly Retired" 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/7-self-care-rituals-for-the-newly-retired">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/treat-yourself-with-these-7-free-self-care-routines">Treat Yourself With These 7 Free Self-Care Routines</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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-free-self-care-rituals-to-get-you-through-a-long-winter">6 Free Self-Care Rituals to Get You Through a Long Winter</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/14-reasons-to-celebrate-getting-older">14 Reasons to Celebrate Getting Older</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/14-smartphone-apps-that-make-self-care-a-snap">14 Smartphone Apps That Make Self-Care a Snap</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Retirement healthy lifestyle newly retired retirement tips self-care self-care rituals self-care tips Thu, 10 May 2018 08:00:15 +0000 Sarah Winfrey 2138229 at http://www.wisebread.com The 5 Best Cleansing Milks http://www.wisebread.com/the-5-best-cleansing-milks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-cleansing-milks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_washing_face_886381818.jpg" alt="Woman using best cleansing milk" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Cleansing milk is a gentle formula face wash that can cleanse the skin without irritating or stripping it of its natural oils. It's typically made from lightweight ingredients that won't leave a residue behind and can help maintain the skin's moisture balance.</p> <h2>What is a cleansing milk?</h2> <p>A cleansing milk, or milk cleanser, is a face wash product that can effectively, yet gently, remove dirt, makeup, and impurities from the face. It works well on most skin types, including normal, sensitive, combination, oily, dry, and mature skin.</p> <h2>Top 5 cleansing milks</h2> <h3>Juice Beauty Cleansing Milk</h3> <p><a href="https://amzn.to/2JZNOuC" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/juice.jpg" width="80" height="245" align="right" alt="" /></a>The <a href="https://amzn.to/2JZNOuC" target="_blank">Juice Beauty Cleansing Milk</a> is gentle enough for all skin types, including aging, dry, and sensitive skin. The organic cleanser deeply cleanses, tones, and removes makeup. The creamy formula soothes and replenishes with beneficial ingredients like organic grapeseed, sesame, and sunflower oils, aloe, neroli, organic juices, camomile, calendula, and linden. It also feeds the skin with vitamins C, B5, and E. It has no parabens, petroleum, SLS, pesticides, phthalates, or artificial dyes or fragrances. It comes from the trusted Juice Beauty brand and is backed by outstanding online reviews.</p> <p><a href="https://amzn.to/2JZNOuC" target="_blank"><em>Currently $10.00 on Amazon</em></a></p> <h3>Yes To Cucumbers Gentle Milk Cleanser</h3> <p><a href="https://amzn.to/2Iiohzw" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/yes.jpg" width="232" height="245" align="right" alt="" /></a>An Amazon's Choice product, the dermatologist-recommended <a href="https://amzn.to/2Iiohzw" target="_blank">Yes To Cucumbers Gentle Milk Cleanser</a> works well on all skin types, including dry or sensitive skin. The natural cleanser is free of parabens, phthalates, and SLS. The gentle formula has calming ingredients and antioxidants like green tea, aloe vera, and soy proteins to moisturize the skin while cleansing it. The Allure &quot;Best of Beauty&quot; Award Winner is recommended by Consumer Search and backed by outstanding online reviews. If you'd like something with a slightly thicker consistency, consider the highly rated <a href="https://amzn.to/2rtyTkN" target="_blank">Yes To Coconut Cleansing Balm</a> instead.</p> <p><a href="https://amzn.to/2Iiohzw" target="_blank"><em>Currently $20.69 on Amazon</em></a></p> <h3>Clarins Cleansing Milk</h3> <p><a href="https://amzn.to/2K2DrGs" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/clarins_0.jpg" width="74" height="245" align="right" alt="" /></a>The <a href="https://amzn.to/2K2DrGs" target="_blank">Clarins Cleansing Milk</a> is gentle enough for all skin types, including normal or dry skin. The cleansing cream effectively removes makeup and impurities using alpine herbs to help maintain the skin's balance. The cult classic cleanser is recommended by TotalBeauty and backed by outstanding online reviews.</p> <p><a href="https://amzn.to/2K2DrGs" target="_blank"><em>Currently $26.18 on Amazon</em></a></p> <h3>Dr. Hauschka Soothing Cleansing Milk</h3> <p><a href="https://amzn.to/2wlTxZJ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/dr%20hauschka.jpg" width="81" height="245" align="right" alt="" /></a>An Amazon's Choice product, the <a href="https://amzn.to/2wlTxZJ" target="_blank">Dr. Hauschka Soothing Cleansing Milk</a> works well on all skin types, including dry, sensitive, oily, mature, and blemished skin. The calming cleanser melts into the skin to gently remove makeup, dirt, and oil without irritation. It contains ingredients like anthills, jojoba, and sweet almond oil for additional benefits to the skin. Recommended by Allure, it has a cult following among celebrities like Debra Messing.</p> <p><a href="https://amzn.to/2wlTxZJ" target="_blank"><em>Currently $23.40 on Amazon</em></a></p> <h3>Mario Badescu Cleansing Milk</h3> <p><a href="https://amzn.to/2jF19gB" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/mario.jpg" width="79" height="245" align="right" alt="" /></a>The <a href="https://amzn.to/2jF19gB" target="_blank">Mario Badescu Cleansing Milk</a> with carnation rice oil is enriched with vitamins and antioxidants to smooth and soften the skin. The gentle, creamy, wipe-off cleanser works on all skin types, including dry and sensitive skin. It removes makeup and debris, fights free radicals, and slows skin degradation. The cult classic has outstanding online reviews and is frequently recommended by beauty bloggers.</p> <p><a href="https://amzn.to/2jF19gB" target="_blank"><em>Currently $12.00 on Amazon</em></a></p> <p>And those are our recommendations for the best cleansing milks. 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> <p>&nbsp;</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-cleansing-milks&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Cleansing%2520Milks.jpg&amp;description=The%205%20Best%20Cleansing%20Milks"></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%20Cleansing%20Milks.jpg" alt="The 5 Best Cleansing Milks" 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-cleansing-milks">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-cleansing-balms">The 5 Best Cleansing Balms</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-charcoal-scrubs">The 5 Best Charcoal 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-face-scrubs">The 5 Best Face 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-dandruff-shampoos">The 5 Best Dandruff Shampoos</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best beauty products cleansing milk face cleanser face wash product reviews skin care Thu, 10 May 2018 08:00:12 +0000 Andrea Cannon 2139809 at http://www.wisebread.com 6 Ways Living Alone Affects Your Health http://www.wisebread.com/6-ways-living-alone-affects-your-health <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-living-alone-affects-your-health" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_starting_a_day_with_coffee.jpg" alt="Happy woman starting a day with coffee" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Some people love living with others. They like having family or roommates, and a home that's occupied by more than one person. Other people prefer their own space, and maybe that's who you are. You like the solitude. You love the freedom. But living this way can be both beneficial and hazardous to your health.</p> <h2>1. You can be yourself</h2> <p>Anyone who has lived with roommates knows it's tough to be completely yourself. Differing opinions on everything from politics and food, to movies and music, means that compromise is a must. In a marriage or other living arrangement, it's much the same. You both have to make compromises to keep the other person from getting peeved.</p> <p>But when you live alone, all bets are off. Want to decorate the living room to look like the set of <em>Star Wars</em>? Go ahead. Want wooden floors throughout? Do it. Want to replace the sofa with a bunch of giant bean bags? Your call.</p> <p>This kind of freedom is incredibly beneficial to your mental health. There's no stress about keeping someone else happy. And less stress leads to better overall health. (See also: <a href="http://www.wisebread.com/20-free-or-really-cheap-ways-to-relieve-stress?ref=seealso" target="_blank">20 Free (or Really Cheap) Ways to Relieve Stress</a>)</p> <h2>2. It's easier to create healthy habits</h2> <p>With no one else in sharing your space, there are fewer distractions and excuses keeping you from getting into healthier routines. If you decide to eat healthier, it's hard to stick to that regimen when someone in the house is eating doughnuts and cooking bacon. Or if you have a partner who doesn't want to work out with you, it can be tough to find the time to get away for a sweat session on your own. Living alone gives you the freedom to work out on your own schedule, and stock your fridge with nothing but non-processed and fresh foods. (See also: <a href="http://www.wisebread.com/25-low-cost-foods-packed-with-nutrition?ref=seealso" target="_blank">25 Low-Cost Foods Packed With Nutrition</a>)</p> <h2>3. You sleep better</h2> <p>If you're actually sleeping next to someone in the same bed, your nights will not be as restful as if you were sleeping alone. The other person is going to move around, make noises, and ultimately crowd your space. Even though you may not feel like you're waking up, your body and mind can be constantly getting stimuli that stop you from entering the most important part of the sleep cycle &mdash; deep sleep. This stage (three in a series of four) occurs just before Rapid Eye Movement (REM) sleep, with your brain and body activity dropping to the lowest point, and blood being redirected from the brain to the muscles. If you don't ever make it to this stage due to the constant interruptions, you won't feel as rested when you wake up.</p> <p>Even if you aren't actually sharing a bed with your housemate, you can still be disturbed from your slumber. Loud roommates can rob you of precious sleep, too, which can lead to lower productivity at work, increased stress, and poor eating habits. (See also: <a href="http://www.wisebread.com/how-getting-more-sleep-helps-your-finances?ref=seealso" target="_blank">How Getting More Sleep Helps Your Finances</a>)</p> <h2>4. You can feel isolated to the point of depression</h2> <p>At first, the idea of living alone can be glorious. No rules but your own. No noise from anyone else. No messes to clean that other people left behind. It's all you, baby. But then it can hit you like a hammer; it's all you. No one to talk to about your day. No one to watch TV with. No one to cook for, and enjoy a meal with. And for some, this realization can lead to feelings of loneliness.</p> <p>Studies have linked loneliness to low self-esteem, depression, high blood pressure, and the increased risk of dementia in later years. Humans are naturally social creatures, and we need some interaction to feel balanced. Without it, life can start to look bleak.</p> <h2>5. You have to do everything yourself</h2> <p>Need help bringing in the groceries? You're on your own. Need a hand shoveling the driveway? You're on your own. Need someone to steady that ladder? You're on your own. And on it goes. Living alone means you have to rely on yourself for almost everything. Sure, you can ask a friend or a neighbor now and again, but you certainly can't abuse that privilege. You could also hire a TaskRabbit or pay to have someone else run all your errands and <a href="http://www.wisebread.com/4-ways-outsourcing-chores-can-save-you-time-and-money?ref=internal" target="_blank">outsource your housework</a>, but few have the money to afford that. That can bring physical stresses and challenges that take their toll on your body. From backbreaking work in the garden, to painting, lifting, moving furniture, and cleaning, your health can take a beating when you do everything yourself.</p> <h2>6. You're not as safe</h2> <p>There are numerous ways that living alone can affect your safety. When you're sick, there's no one there to take care of you or check on your well-being. You may not even have the ability to call someone for help, especially if you fall or have a serious medical problem. And when you're alone, you'll also have to defend yourself alone against intruders. For this reason, it's recommended that anyone living alone should take extra steps to secure their safety. Strong deadbolts, <a href="https://amzn.to/2rcJ4Kp" target="_blank">motion-sensing lights</a>, and an alarm system can help provide a little more peace of mind.</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-ways-living-alone-affects-your-health&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Ways%2520Living%2520Alone%2520Affects%2520Your%2520Health.jpg&amp;description=6%20Ways%20Living%20Alone%20Affects%20Your%20Health"></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%20Ways%20Living%20Alone%20Affects%20Your%20Health.jpg" alt="6 Ways Living Alone Affects Your Health" 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/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/6-ways-living-alone-affects-your-health">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-11"> <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/6-free-self-care-rituals-to-get-you-through-a-long-winter">6 Free Self-Care Rituals to Get You Through a Long Winter</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/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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-stay-healthy-on-vacation">7 Ways to Avoid Getting Seriously Sick on Vacation</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/7-smart-ways-to-invest-in-your-health">7 Smart Ways to Invest in Your Health</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle depression health tips healthy eating living alone living on your own roommates stress Wed, 09 May 2018 08:00:25 +0000 Paul Michael 2138205 at http://www.wisebread.com The 5 Best Cleansing Balms http://www.wisebread.com/the-5-best-cleansing-balms <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-cleansing-balms" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_face_cream_612641354.jpg" alt="Woman using besy cleansing balms" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If your skin ever feels dry or irritated after you've washed it, consider adding a cleansing balm to your routine. It can remove dirt, makeup, and impurities, while helping restore the skin's moisture balance, leaving it soft, hydrated, and healthy.</p> <h2>What is a cleansing balm?</h2> <p>A cleansing balm is a creamy makeup remover that can also calm the skin. While balm cleansers can be extremely effective at removing stubborn makeup, they won't irritate sensitive skin or dry it out. They typically start off as a wax and become an oil once they come in contact with the skin.</p> <h2>Top 5 cleansing balms</h2> <h3>CLINIQUE by Clinique: TAKE THE DAY OFF CLEANSING BALM</h3> <p><a href="https://amzn.to/2HMnpUc" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/clinique_0.jpg" width="245" height="183" align="right" alt="" /></a>The cult classic <a href="https://amzn.to/2HMnpUc" target="_blank">CLINIQUE by Clinique: TAKE THE DAY OFF CLEANSING BALM</a> works quickly to gently remove dirt and makeup without irritating the skin. It works on all skin types, including dry and sensitive skin. The cult classic is recommended by publications like Allure, Harper's Bazaar, Shape Magazine, Rank &amp; Style, The Independent, Good Housekeeping Institute, Refinery29, TotalBeauty, and The Cut. If you're looking for a creamy cleanser, consider the best-selling <a href="https://amzn.to/2ri99I1" target="_blank">Clinique Take The Day Off Cleansing Milk</a> instead.</p> <p><a href="https://amzn.to/2HMnpUc" target="_blank"><em>Currently $23.45 on Amazon</em></a></p> <h3>Farmacy Green Clean Makeup Meltaway Cleansing Balm</h3> <p><a href="https://amzn.to/2rfYmOt" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/farmacy.jpg" width="245" height="222" align="right" alt="" /></a>The <a href="https://amzn.to/2rfYmOt" target="_blank">Farmacy Green Clean Makeup Meltaway Cleansing Balm</a> effectively removes even waterproof makeup. It also gently removes dirt, oil, pollution buildup, and impurities. The nourishing cleansing balm-to-oil formula is made with echinacea greenenvy and other powerful ingredients to leave the skin feeling soft and hydrated. The Allure &quot;Best of Beauty&quot; Award Winner is recommended by The Good Housekeeping Institute, TotalBeauty, and Rank &amp; Style.</p> <p><a href="https://amzn.to/2rfYmOt" target="_blank"><em>Currently $49.99 on Amazon</em></a></p> <h3>IT Cosmetics Bye Bye Makeup 3-in-1 Makeup Melting Cleansing Balm</h3> <p><a href="https://amzn.to/2HL7tO9" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/it.jpg" width="245" height="241" align="right" alt="" /></a>The <a href="https://amzn.to/2HL7tO9" target="_blank">IT Cosmetics Bye Bye Makeup 3-in-1 Makeup Melting Cleansing Balm</a> effectively removes makeup in no time. The hydrating, sulfate-free, paraben free, purifying instant makeup remover is a creamy blend of botanical oils, antioxidants, and high-performing ingredients, like collagen, hyaluronic acid, peptides, and ceramides to provide softer, hydrated skin. It's also made with an anti-aging, skin-softening serum concentrate to help reduce lines and signs of aging. It was developed by plastic surgeons and is recommended by Allure, TotalBeauty, and Rank &amp; Style.</p> <p><a href="https://amzn.to/2HL7tO9" target="_blank"><em>Currently $38.00 on Amazon</em></a></p> <h3>ELEMIS Pro-Collagen Cleansing Balm</h3> <p><a href="https://amzn.to/2jnWtvr" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/elemis.jpg" width="245" height="180" align="right" alt="" /></a>The <a href="https://amzn.to/2jnWtvr" target="_blank">ELEMIS Pro-Collagen Cleansing Balm</a> deep cleans, softens, and nourishes the skin all at once. It is made with active plant extracts and botanicals, rose water, and other beneficial ingredients to gently dissolve makeup, dirt, and pollutants. After removing the balm, any of the collagen-boosting and antioxidant-rich blend left behind will only further benefit your skin. It's formulated without artificial colors, parabens, SLS, or mineral oils.</p> <p>This works on most skin types, including dry, aging skin. It is recommended by publications like Allure, Harper's Bazaar, Shape Magazine, Stylist, The Independent, The Cut, and Refinery29.</p> <p><a href="https://amzn.to/2jnWtvr" target="_blank"><em>Currently $14.10 on Amazon</em></a></p> <h3>Heimish All Clean Balm</h3> <p><a href="https://amzn.to/2rbXhIj" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/heimish.jpg" width="237" height="245" align="right" alt="" /></a>Amazon's Choice for cleansing balms, the hypoallergenic <a href="https://amzn.to/2rbXhIj" target="_blank">Heimish All Clean Balm</a> works well on all skin types, including sensitive skin. It effectively removes makeup without irritation or residue buildup, so skin feels clean and soft. The balm cleanser changes to an oil texture once it touches water, so it is gentle on any delicate areas. It has over 300 five-star reviews on Amazon and most reviewers agree that it smells great.</p> <p><a href="https://amzn.to/2rbXhIj" target="_blank"><em>Currently $18.25 on Amazon</em></a></p> <p>And those are our recommendations for the best cleansing balms. 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> <p>&nbsp;</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-cleansing-balms&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Cleansing%2520Balms.jpg&amp;description=The%205%20Best%20Cleansing%20Balms"></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%20Cleansing%20Balms.jpg" alt="The 5 Best Cleansing Balms" 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-cleansing-balms">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-cleansing-milks">The 5 Best Cleansing Milks</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-masks">The 5 Best Facial Masks</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-dandruff-shampoos">The 5 Best Dandruff Shampoos</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-tweezers">The 5 Best Tweezers</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-hair-mousses">The 5 Best Hair Mousses</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best beauty products cleansing balms face creams product reviews skin care Thu, 03 May 2018 08:00:14 +0000 Andrea Cannon 2138309 at http://www.wisebread.com 14 Reasons to Celebrate Getting Older http://www.wisebread.com/14-reasons-to-celebrate-getting-older <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-reasons-to-celebrate-getting-older" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/smiling_senior_woman_adding_cream_in_icecream.jpg" alt="Smiling senior woman adding cream in ice cream" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I'll be the first to admit that I'm self-conscious about aging. Not so much the number (which is climbing to a hearty 37 years old this year) but rather that I can physically see the youth exiting my body as life experience replaces it. Getting older is a hard pill to swallow, but like everyone else, I have to do it, so why not look at the bright side, right? Thus, here are 14 reasons why blowing out one more birthday candle isn't such a bad thing.</p> <h2>1. You're more comfortable with yourself</h2> <p>Once you get over the hurdle of transitioning from a 20-something-looking 30-something into a full-fledged 40-looking 40-something, it starts to get easier. While I'm still anxious about aging, I'm not as worried about it as I used to be &mdash; like when I had five 25th birthdays because turning 30 was just too terrifying. Now I accept the process, plan a great birthday with someone I love, and have fun.</p> <p>Superficiality aside, there are lots of other things that I'm more comfortable with now versus 10 years ago, like my personal and professional accomplishments, the relationships I have, my own autonomy, and having enough money to splurge on travel and nice dinners instead of bulk-buying ramen and cheap booze.</p> <h2>2. Retirement</h2> <p>If you've done what you can to set yourself up for a comfortable retirement, you can enter your golden years with excitement. Even if your finances aren't quite there yet, you can still make it work. You may not be able to travel the world like you planned, but things change and you'll find a way to make the most of what you've got. (See also: <a href="http://www.wisebread.com/7-easiest-ways-to-catch-up-on-retirement-savings-later-in-life?ref=seealso" target="_blank">7 Easiest Ways to Catch Up on Retirement Savings Later in Life</a>)</p> <p>Full retirement might not be what you want anyway, so part-time retirement may be more your speed. Basically, you'd have the freedom you've envisioned, but you'd fill some of that free time making money doing something you enjoy, like working part-time at a shop in town, <a href="http://www.wisebread.com/how-to-earn-extra-money-driving-for-uber-or-lyft?ref=internal" target="_blank">driving for Lyft or Uber</a>, or making crafts that you can sell on Etsy.</p> <h2>3. Discounts galore</h2> <p>Senior discounts are awesome, but before you even become an official senior, you'll start getting discounts on things like car insurance, which provides savings based on age and good driving records over time.</p> <h2>4. Your priorities change</h2> <p>What matters most changes as you get older and experience life's milestones, like getting married and having children. Neither of those things are in the cards for me &mdash; I did the former once, and that's enough &mdash; but my own priorities have changed based on what I would like for my future and how I plan to spend my money, like my mortgage, which is more important than the frivolous stuff on which I used to waste money.</p> <h2>5. Sex is better</h2> <p>Maybe it's because it takes more time in general to do the deed as you get older, but I've found sex to be much more passionate and meaningful in my 30s than it was in my 20s, and that's whether I'm in a relationship or not.</p> <p>You also become more confident, and less tolerable of selfish partners, so as your standards go up, the sex you have just improves over time.</p> <h2>6. You learn to let the little things go</h2> <p>What mattered when I was younger &mdash; <em>every. little. thing.</em> &mdash; just doesn't anymore. I don't have the kind of time I did back then to worry about the trivial inconveniences. I brush it off and move on.</p> <h2>7. True friends reveal themselves</h2> <p>We go through a lot throughout our lives, and those crises will make or break friendships and other relationships. I used to think quantity mattered when it came to friends, but in the end, it's the quality of people with whom you surround yourself that will enrich your life.</p> <p>At this stage, I'd rather have one committed person on the couch with me on a Friday night than pretend to enjoy the company of 20 acquaintances at a club, none of whom would be willing to give me a ride home if I needed it. (See also: <a href="http://www.wisebread.com/5-friend-types-that-can-hurt-your-finances?ref=seealso" target="_blank">5 Friend Types That Can Hurt Your Finances</a>)</p> <h2>8. Seeking the approval of others is a thing of the past</h2> <p>Do I care what people think about me? Yes. I would be lying if I said I didn't. But as I've gotten older, I care less about how they view me on the surface &mdash; how I dress, the way I look, the kind of car I drive &mdash; versus how they view my character. I've also accepted that I can't please everybody, so there's no point in trying.</p> <p>Just do you and everything else will fall into place.</p> <h2>9. You don't have to do things you don't want to</h2> <p>I don't attend holidays or weddings or family vacations that I don't want to anymore. Life is too short to spend so much time (and money) being uncomfortable. Does this hurt other people's feelings? Perhaps. But there's a reason I'm saying no to these events. It's because it makes <em>me</em> feel uncomfortable, and I come first in terms of comfort.</p> <h2>10. You make more money (hopefully)</h2> <p>The older you get, the more experience you gain, and hopefully your paycheck continues to reflect that. Plus, you get to spend money on a home, children, and other things you always pictured spending money on as a typical &quot;grown-up.&quot; (See also: <a href="http://www.wisebread.com/how-to-use-glassdoor-to-earn-more-money?ref=seealso" target="_blank">How to Use Glassdoor to Earn More Money</a>)</p> <h2>11. Food is better at parties</h2> <p>We barely ate at parties in my 20s, and if I did, it was bags of chips. But now, in my 30s, I attend parties with plates of hors d'oeuvres that hosts spend hours making. I'll take delicate crab puffs over stale chips any day.</p> <h2>12. You stress less about your physical appearance</h2> <p>I still worry about my physical appearance, and I'm in the gym trying to ward off pounds on a regular basis. But I've eased up on myself over the years, and now focus more on the health benefits of consistent sweat sessions, rather than having six- or eight-pack abs. (See also: <a href="http://www.wisebread.com/10-ways-to-age-well-for-0?ref=seealso" target="_blank">10 Ways to Age Well for $0</a>)</p> <h2>13. You have a lifetime worth of memories and mementos</h2> <p>I have so many fond memories at age 36 and I feel like my life is just getting started. I'm looking forward to looking back on the memories 20 years from now. I hope I make myself proud.</p> <h2>14. Age truly is just a number</h2> <p>Once you reach a certain age, what is age anymore? Does 50 feel differently than 60? I'm not quite there yet, but I feel better physically, mentally, and emotionally now than I did when I turned 30, which makes me not as afraid to reach the next milestone birthday.</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-reasons-to-celebrate-getting-older&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F14%2520Reasons%2520to%2520Celebrate%2520Getting%2520Older.jpg&amp;description=14%20Reasons%20to%20Celebrate%20Getting%20Older"></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%20Reasons%20to%20Celebrate%20Getting%20Older.jpg" alt="14 Reasons to Celebrate Getting Older" 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/14-reasons-to-celebrate-getting-older">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/10-ways-to-age-well-for-0">10 Ways to Age Well for $0</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/treat-yourself-with-these-7-free-self-care-routines">Treat Yourself With These 7 Free Self-Care Routines</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-self-care-rituals-for-the-newly-retired">7 Self-Care Rituals for the Newly Retired</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-free-self-care-rituals-to-get-you-through-a-long-winter">6 Free Self-Care Rituals to Get You Through a Long Winter</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle 20s 30s 40s 50s aging getting older growing old healthy lifestyle self-care skin care Mon, 16 Apr 2018 08:00:07 +0000 Mikey Rox 2130750 at http://www.wisebread.com 4 Questions to Ask Before Getting Trendy Beauty Treatments http://www.wisebread.com/4-questions-to-ask-before-getting-trendy-beauty-treatments <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-questions-to-ask-before-getting-trendy-beauty-treatments" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/i_do_not_think_i_want_the_surgery_anymore.jpg" alt="I do not think I want the surgery anymore" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most of us spend money on beauty products and treatments to look and feel better. And if the end result is increased confidence, the cost is usually justifiable, so long as you aren't sending yourself into debt. But when beauty treatments are brand-new, they might be lacking the research and known side effects to deem them safe for the general public. So before you hit the salon or spa for something &quot;guaranteed to make you look younger and feel better,&quot; ask yourself these four questions. (See also: <a href="http://www.wisebread.com/6-beauty-rules-you-should-be-breaking?ref=seealso" target="_blank">6 Beauty Rules You Should Be Breaking</a>)</p> <h2>Is this safe?</h2> <p>Before you jump on the latest beauty trend, do your research. Find out the risks involved before you become the one with a horror story to share. Here are some of the risks involved in the latest beauty treatments.</p> <ul> <li> <p><strong>Eyelash extensions: </strong>Adhesives used for lash extensions can irritate allergies and cause infections, which can then lead to swelling, permanent loss of eyelashes, or temporary vision loss.</p> </li> <li> <p><strong>Microblading:</strong> This is essentially getting a tattoo of your eyebrows, so there's no need to fill them in each morning. Instead of a needle, a small blade is used to make tiny, superficial cuts in your brows and are filled in with ink. With this treatment, there is a risk for infection, swelling, or blood-borne infections like Hepatitis.</p> </li> </ul> <ul> <li> <p><strong>Permanent makeup:</strong> Permanent makeup has the same risks as tattoos, as the method of application is similar. This includes infection from poorly sterilized equipment or scarring. In some cases, severe allergic reactions can occur.</p> </li> <li><strong>Keratin hair-straightening treatments: </strong>These treatments contain formaldehyde, which is extremely toxic and can cause hair loss, rashes and blisters, and respiratory issues. Formaldehyde exposure, over a long period of time, has also been linked to cancer.</li> </ul> <p>You need to make sure your technician has experience, plenty of before and after pictures of previous clients, and the necessary training to offer these services (some are required to take blood-borne pathogens training classes).</p> <h2>Can I afford this?</h2> <p>How are you going to pay for this treatment? Are you already on a tight budget with debt piled up? If you're struggling to afford your student loan payments each month, you should postpone your plans to get hair extensions or microblading, at least for a few months so you can get your monthly budget back on track. It's a harsh truth, but your bank account with thank you.</p> <h2>What is the long-term investment?</h2> <p>Nothing lasts forever. Even some beauty treatments labeled as &quot;permanent&quot; will need to be reapplied after a few years. For example, if you dye your hair several shades lighter, how often will you have to touch up the roots? Are you willing to let the dye job grow out completely in order to save money? Or will you need to head back to the salon every two months for costly upkeep? Trying a new beauty treatment once can be fun, but add up the long-term costs.</p> <h2>Are there cheaper alternatives?</h2> <p>Before you shell out the big bucks to look and feel better, have you pursued natural and more affordable options? A healthy diet and exercise can help many individuals feel and look better naturally. For example, adding certain vitamins to your diet can help eyelashes, nails, skin, and hair to look fuller and healthier. Also, it always pays to stay hydrated. (See also: <a href="http://www.wisebread.com/10-ways-to-age-well-for-0?ref=seealso" target="_blank">10 Ways to Age Well for $0</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%2F4-questions-to-ask-before-getting-trendy-beauty-treatments&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F4%2520Questions%2520to%2520Ask%2520Before%2520Getting%2520Trendy%2520Beauty%2520Treatments.jpg&amp;description=4%20Questions%20to%20Ask%20Before%20Getting%20Trendy%20Beauty%20Treatments"></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%20Questions%20to%20Ask%20Before%20Getting%20Trendy%20Beauty%20Treatments.jpg" alt="4 Questions to Ask Before Getting Trendy Beauty Treatments" 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/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/4-questions-to-ask-before-getting-trendy-beauty-treatments">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/4-beauty-products-you-can-make-in-an-instant-pot">4 Beauty Products You Can Make in an Instant Pot</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-ways-living-alone-affects-your-health">6 Ways Living Alone Affects Your Health</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-free-self-care-rituals-to-get-you-through-a-long-winter">6 Free Self-Care Rituals to Get You Through a Long Winter</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-stay-healthy-while-working-the-night-shift">6 Ways to Stay Healthy While Working the Night Shift</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/you-wont-believe-how-much-the-average-person-spends-on-salon-visits-each-year">You Won&#039;t Believe How Much the Average Person Spends on Salon Visits Each Year</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty alternative medicine beauty tips beauty treatments health tips holistic medicine plastic surgery questions to ask Tue, 10 Apr 2018 08:30:10 +0000 Ashley Eneriz 2129351 at http://www.wisebread.com Best Money Tips: How to Create a Frugal Self-Care Routine http://www.wisebread.com/best-money-tips-how-to-create-a-frugal-self-care-routine <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-how-to-create-a-frugal-self-care-routine" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_meditating_outside_623295180.jpg" alt="Woman practicing frugal self-care" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on creating a frugal self-care routine, how to afford your dream honeymoon, and personal finance basics you should know by heart.</p> <h2>Top 5 Articles</h2> <p><a href="https://www.tinyambitions.com/frugal-self-care/">Creating a Frugal Self-Care Routine</a> &mdash; Self-care can sometimes feel like a chore, but it's important to commit to it for the long-term benefits. [Tiny Ambitions]</p> <p><a href="https://everythingfinanceblog.com/24122/how-to-afford-your-dream-honeymoon.html">How to Afford Your Dream Honeymoon</a> &mdash; Who says you have to have your honeymoon right after your wedding? Postponing the trip will give you more time to save up for your dream honeymoon. [Everything Finance]</p> <p><a href="https://www.frugalrules.com/personal-finance-basics-know/">6 Personal Finance Basics You Need to Know By Heart</a> &mdash; There are a lot of personal finance tips, tricks, and hacks out there, but these six basic principles are the foundation for improving your financial health. [Frugal Rules]</p> <p><a href="https://www.popsugar.com/home/Quick-Cleaning-Tips-Party-44566111">Get Your Home Guest-Ready in 15 Minutes With This Preparty Cleaning Checklist</a> &mdash; Make room in your refrigerator for party food and refreshments. This is a great time to toss out any items that are past their expiration date. [PopSugar Smart Living]</p> <p><a href="https://www.moneyunder30.com/arrange-an-irs-payment-plan">Behind On Your Taxes? Here Are 6 Ways To Arrange A Payment Plan With The IRS</a> &mdash; Fortunately, the IRS gives you a few payment options. The best one for you depends how much you owe, how quickly you can pay it off, and whether your tax debt is for an individual or a business. [Money Under 30]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.experian.com/blogs/news/financial-literacy-101-can-make-difference-month/">Financial Literacy 101: How We Can Make a Difference This Month</a> &mdash; Join Experian's #CreditChat tomorrow at 3 p.m. ET for a discussion on financial literacy. [Experian]</p> <p><a href="https://wallethacks.com/these-5-research-studies-will-forever-change-the-way-you-spend-money/">These 5 Research Studies Will Forever Change The Way You Spend Money</a> &mdash; Take notes! These studies can help you develop better ways to spend your time and money. [Wallet Hacks]</p> <p><a href="https://mattaboutmoney.com/2018/04/03/spending-money-with-peace-of-mind/">Spending Money With Peace of Mind</a> &mdash; Here are a few ideas for smart spending in major categories like home and car maintenance, clothing, and health. [Matt About Money]</p> <p><a href="https://www.getrichslowly.org/do-the-right-thing/">How to use barriers and pre-commitment to do the right things with your money</a> &mdash; When it comes to money, you can pre-commit to the right action by building barriers to temptation. [Get Rich Slowly]</p> <p><a href="https://www.csmonitor.com/Science/2018/0329/NASA-continues-exploration-of-unknown-planets-orbiting-stars-outside-our-solar-system">NASA continues exploration of unknown planets orbiting stars outside our solar system</a> &mdash; In the coming weeks, NASA will be sending a surveying satellite into space to search for exoplanets that could sustain life. [The Christian Science Monitor]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-how-to-create-a-frugal-self-care-routine">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-self-care-can-actually-save-you-money">5 Ways Self Care Can Actually Save You Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-affordable-ways-to-make-spring-break-all-about-self-care">10 Affordable Ways to Make Spring Break All About Self-Care</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-prevent-the-winter-blues-from-busting-your-budget">5 Ways to Prevent the Winter Blues from Busting Your Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-relieve-your-money-stress">10 Ways to Relieve Your Money Stress</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty best money tips self care Wed, 04 Apr 2018 08:30:06 +0000 Amy Lu 2128380 at http://www.wisebread.com How to Choose the Best Primary Care Physician http://www.wisebread.com/how-to-choose-the-best-primary-care-physician <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-choose-the-best-primary-care-physician" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/doctor_talks_with_patient_in_hospital.jpg" alt="Doctor talks with patient in hospital" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Your primary care physician is someone with whom you should feel comfortable, so you can ask questions, get recommendations, and seek guidance for your health and the health of your family. But selecting one is not an easy decision. Here's is a list of questions to ask and things to consider before making your choice.</p> <h2>Do they take your insurance?</h2> <p>Insurance is a complicated business. What's covered, and at what cost to you (if any), are points that you must understand for your physical and financial health. Not all doctors take every form of insurance. The best way to know if a primary care doctor is covered under your insurance is to go straight to your insurance company and ask if the doctor is &quot;in-network.&quot; If you have a doctor in mind, just provide their name to check on their network status. If you don't have a doctor in mind, the insurance company can help you find one who is in-network. (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>Are they taking new patients?</h2> <p>Though a doctor may be in-network, they may not be taking new patients. Solving that problem can be done in one of two ways: calling the doctor's office, or visiting an online site like Zocdoc.com. Zocdoc is similar to Yelp, in that it lists doctors and practices with reviews from patients, but it goes a step further in helping you find in-network doctors that are accepting new patients, and allows you to schedule appointments through the app. Though a doctor may not be listed on Zocdoc, they may still be taking new patients, so even if you don't see a doctor you're interested in on there, you should still contact them directly to inquire.</p> <h2>What extra services do they offer?</h2> <p>If you live in an area that has a competitive market, you may find that doctors offer extra services that are free or have a reduced rate. In New York City, I've found a number of doctors offering free telemedicine &mdash; conducting medical appointments over video chat &mdash; and will take questions by email from patients much more frequently than they used to. I've also found that many of them are offering more workshops and information sessions about different health topics that are free to patients and their family members. These extra services can make a world of difference.</p> <h2>What hours are they open?</h2> <p>Our immune system doesn't always break down between the house of 9 a.m. and 5 p.m., Monday through Friday. Often we need care on the weekends or in the evenings. If you need that added flexibility in your schedule, check to see if a doctor's office has coverage during non-traditonal hours.</p> <p>If they don't, does the doctor have hours they're on-call or do they have a partner practice that can help you outside of their regular business hours? (See also: <a href="http://www.wisebread.com/urgent-care-or-er-how-to-decide-where-to-go?ref=seealso" target="_blank">Urgent Care or ER? How to Decide Where to Go</a>)</p> <h2>Who else is a part of the practice?</h2> <p>Because health care needs are growing more complex, many doctors' offices have additional medical staff (sometimes part-time, sometimes full-time) who are specialists in their fields. This can include an OB-GYN, allergist, dermatologist, pediatrician, and a variety of other specialists. Having all of these specialties in one practice provides a more inclusive level of care for patients and gives your primary care physician a greater understanding of your overall health.</p> <h2>Are they affiliated with a specific hospital?</h2> <p>If you have a hospital preference, it's important to check a doctor's affiliations. Many times their affiliation will impact which hospital you can go to if needed, and that's something you want to know before any hospital visits.</p> <h2>What do other patients say about the practice?</h2> <p>Patient reviews are also something to consider when choosing a practice. Zocdoc, Yelp, and Google Reviews are good places to check for reviews on the doctors, staff, and the practice.</p> <p>&quot;The first wealth is health,&quot; said Ralph Waldo Emerson. Though it can seem time-consuming to choose a primary care physician, it is well worth the investment. Your primary care physician is your front-line partner in your health, and it's not a decision to be taken lightly.</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-choose-the-best-primary-care-physician&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Choose%2520the%2520Best%2520Primary%2520Care%2520Physician.jpg&amp;description=How%20to%20Choose%20the%20Best%20Primary%20Care%20Physician"></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%20Choose%20the%20Best%20Primary%20Care%20Physician.jpg" alt="How to Choose the Best Primary Care Physician" 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-choose-the-best-primary-care-physician">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-about-a-price-list-at-the-hospital-or-doctor-s-office">How About a Price List at the Hospital or Doctor’s Office?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-emergency-medical-coverage-could-save-your-vacation">How Emergency Medical Coverage Could Save Your Vacation</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-sense-of-the-different-parts-of-medicare">How to Make Sense of the Different Parts of Medicare</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/generic-drug-price-lists-for-six-major-pharmacies">Generic Drug Price Lists For Six Major Pharmacies - Updated</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/paying-for-pregnancy-and-birth-without-health-insurance">Paying for Pregnancy and Birth Without Health Insurance</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance doctor health insurance health tips medical advice primary care physician Tue, 27 Mar 2018 09:30:20 +0000 Christa Avampato 2122416 at http://www.wisebread.com 5 Alternatives to Charging Your Medical Bills http://www.wisebread.com/5-alternatives-to-charging-your-medical-bills <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-alternatives-to-charging-your-medical-bills" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/doctor_doing_surgery_in_hospital_with_money.jpg" alt="Doctor doing surgery in hospital with money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Last year, I ended up in the hospital. The experience was scary, but what was even scarier were the massive hospital bills that started pouring in once I got home. I quickly exhausted my emergency savings and, out of options, I turned to my credit cards to pay the remaining bills.</p> <p>It was a costly mistake. The high interest rates on my credit cards caused my balance to balloon, and I ended up paying back far more than I originally owed. It was a hard-learned lesson that cost me thousands.</p> <p>If you're like me and facing serious medical bills, it's important to know that there are other options available to you that are less costly. If you need help, here's what you need to know before handing over your credit card.</p> <h2>The high cost of using credit</h2> <p>The cost of health care is a serious problem for millions of Americans. According to the Kaiser Foundation, 26 percent of U.S. adults say that they or someone in their household had problems paying for a medical bill in the past year, or couldn't pay their bills at all.</p> <p>For some, an inability to pay means they will put off necessary treatments. For those who went to the hospital, they could leave with huge amounts of medical debt, causing them to fall behind on their other bills or even file for bankruptcy.</p> <p>Many people turn to credit cards to pay the hospital bills, but doing so is an expensive decision.</p> <p>According to Bankrate, the average credit card interest rates are currently hovering above 16 percent. That means that the bill you charge can grow significantly over time, adding hundreds or even thousands to your credit card balance.</p> <p>For example, if you used a credit card to pay for a $5,000 medical bill at 16 percent interest with a $150 minimum payment, it would take you 15 years to pay off your card. You'd pay back over $3,700 just in interest charges, making it harder to get out of debt. As interest accrues, it's easy to end up over your head. (See also: <a href="http://www.wisebread.com/the-5-biggest-dangers-of-credit-card-debt?ref=seealso" target="_blank">The 5 Biggest Dangers of Credit Card Debt</a>)</p> <h2>The things you can do instead</h2> <p>When you don't have enough money in the bank, a credit card might feel like your only option. However, there are other resources you can use to pay your medical bills that are more cost-effective than a credit card.</p> <h3>1. Enroll in a payment plan</h3> <p>Some hospitals and health care practitioners offer payment plans for low-income patients. With a payment plan, you can split up your bill over several months or even years. You can pay your bill a little at a time, rather than coming up with thousands at once.</p> <p>Some hospital payment plans might not even charge you interest, or will charge a low rate, making them a much cheaper option than using a credit card. (See also: <a href="http://www.wisebread.com/what-to-do-if-youre-hit-with-a-huge-medical-bill?ref=seealso" target="_blank">What to Do If You're Hit With a Huge Medical Bill</a>)</p> <h3>2. Ask about charitable funds</h3> <p>If you can't afford your bills even with a payment plan, ask the hospital's billing department about any charitable funds. Some places have money they set aside to pay for treatment of patients who can't afford to pay the bill themselves.</p> <p>There will likely be a significant amount of paperwork to complete, and you'll have to submit documentation of your income and expenses. However, spending time completing the forms can end up saving you thousands over the long run. (See also: <a href="http://www.wisebread.com/how-to-handle-a-massive-medical-bill?ref=seealso" target="_blank">How to Handle a Massive Medical Bill</a>)</p> <h3>3. Explore outside nonprofit organizations</h3> <p>If your hospital doesn't offer any financial assistance, you might be eligible for aid from a separate nonprofit. Organizations like HealthWell, Catholic Charities, and the Children's Health Fund may be able to help you with your with medical bills. Some offer upfront cash assistance or will even help you negotiate a lower bill.</p> <p>You can contact United Way's <a href="http://www.211.org/" target="_blank">2-1-1 Information &amp; Referral hotline</a> to find out about programs in your area.</p> <h3>4. Negotiate your bill</h3> <p>Depending on your circumstances, you might be able to negotiate a lower bill. If you cannot afford the total balance, call the hospital's billing department and explain your situation. Ask if they'd be willing to accept a lower amount. In some cases, the hospital may agree to settle the debt for less than you were originally billed. (See also: <a href="http://www.wisebread.com/7-ways-to-negotiate-medical-bills?ref=seealso" target="_blank">7 Ways to Negotiate Medical Bills</a>)</p> <h3>5. Consider a personal loan</h3> <p>If you've exhausted your other options and still need help paying your bill, consider taking out a personal loan rather than using your credit card. If you have good credit and a stable income, you could qualify for a loan with an interest rate as low as 5 percent. And, you could choose a longer loan term, making your payments more affordable. (See also: <a href="http://www.wisebread.com/5-times-personal-loans-may-be-better-than-credit-cards?ref=seealso" target="_blank">5 Times Personal Loans May Be Better Than Credit Cards</a>)</p> <h2>Exploring your options</h2> <p>Before reaching for plastic, make sure you have researched all of your available payment options. Using a credit card to pay for your medical bills can end up costing you thousands more than you originally owed. (See also: <a href="http://www.wisebread.com/never-use-your-credit-card-to-pay-for-these-10-things?ref=seealso" target="_blank">Never Use Your Credit Card to Pay for These 10 Things</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%2F5-alternatives-to-charging-your-medical-bills&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Alternatives%2520to%2520Charging%2520Your%2520Medical%2520Bills.jpg&amp;description=5%20Alternatives%20to%20Charging%20Your%20Medical%20Bills"></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%20Alternatives%20to%20Charging%20Your%20Medical%20Bills.jpg" alt="5 Alternatives to Charging Your Medical Bills" 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/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/5-alternatives-to-charging-your-medical-bills">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-handle-a-massive-medical-bill">How to Handle a Massive Medical Bill</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-afford-your-kids-braces-or-expensive-dental-care">How to Afford Your Kid&#039;s Braces or Expensive Dental Care</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-cut-the-cost-of-a-hospital-stay">How to Cut the Cost of a Hospital Stay</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/why-i-heart-my-high-deductible-health-insurance-plan">Why I (Heart) My High Deductible Health Insurance Plan</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-reasons-an-hsa-is-actually-worth-having">10 Reasons an HSA Is Actually Worth Having</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Health and Beauty charity financial assistance health care medical bills medical debt nonprofits payment plans Fri, 23 Mar 2018 09:30:15 +0000 Kat Tretina 2110802 at http://www.wisebread.com How Getting More Sleep Helps Your Finances http://www.wisebread.com/how-getting-more-sleep-helps-your-finances <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-getting-more-sleep-helps-your-finances" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/she_needs_her_beauty_rest.jpg" alt="She needs her beauty rest" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The American Academy of Sleep Medicine (AASM) recommends that adults ages 18-60 get at least seven hours of sleep every night, but a third of the population isn't meeting that minimum level of sleep. We've all heard that getting enough sleep every night is important to our health, but could it benefit our bottom line, too? Indeed it can. Here's how getting enough sleep can save you big bucks. (See also: <a href="http://www.wisebread.com/7-ways-to-boost-your-finances-while-you-sleep?ref=seealso" target="_blank">7 Ways to Boost Your Finances While You Sleep</a>)</p> <h2>1. Fewer illnesses and medical expenses</h2> <p>In a 2014 study by the National Sleep Foundation, Americans who reported poor quality sleep also reported poor quality health, with 67 percent classifying their health as &quot;poor&quot; or &quot;fair.&quot; Lack of sleep can affect your health in a vicious cycle. People who sleep less than the recommended seven hours each night are at higher risk for serious health issues, such as obesity and cardiovascular disease. It also makes you much more likely to catch a cold, as your immune system is weakened by lack of sleep.</p> <p>Better overall health means fewer emergency room and doctor visits, fewer payments for medication to keep your health in check, and being able to avoid chronic health issues that can really put a dent in your savings. It also means you're less likely to miss days of work. So if you won't get better sleep for your health, do it for your wallet! (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>2. Better decision-making</h2> <p>Sleep deprivation can have catastrophic results &mdash; human errors related to sleep deprivation contributed to the explosion of the Challenger shuttle in 1986, the nuclear explosion at Chernobyl power plant that same year, and other disastrous events. But even mundane daily decisions &mdash; some of which can really impact your finances &mdash; can also be affected by not enough sleep.</p> <p>In a 2015 study, researchers at Washington State University demonstrated how inadequate sleep impaired participants' ability to adapt to changing circumstances, leading them to make errors in the laboratory task they were asked to complete. The lack of sleep prevented participants from incorporating ongoing feedback into their decision-making process.</p> <p>In another study, funded by the Clinical Research Priority Program (CRPP) Sleep and Health of the University of Zurich, participants made progressively riskier decisions as they became more sleep deprived, such as making the decision to gamble a larger amount of money instead of receiving a set amount of less money without risk.</p> <p>If you want to make sound, less risky decisions that take into account all of the information available, getting enough sleep is essential. (See also: <a href="http://www.wisebread.com/6-ways-to-get-prettier-smarter-and-healthier-while-you-sleep?ref=seealso" target="_blank">6 Ways to Get Prettier, Smarter, and Healthier While You Sleep</a>)</p> <h2>3. Higher productivity</h2> <p>Getting enough sleep can have numerous positive effects on your productivity, according to the National Sleep Foundation. You have better working memory, so you'll be a faster learner. Enough sleep gives you faster response times and higher accuracy, as well, allowing you to make accurate decisions quickly. You'll also be less easily distracted and have better focus.</p> <p>Overall, getting enough sleep enables you to work better and faster, which can translate into increased productivity and better time management at work and at home. (See also: <a href="http://www.wisebread.com/10-time-management-fails-and-how-to-fix-them?ref=seealso" target="_blank">10 Time-Management Fails &mdash; and How to Fix Them</a>)</p> <h2>4. Less temptation to consume junk food</h2> <p>Researchers from the University of South Carolina and Arizona State University found that sleeping as little as two hours less per night seriously slows down the body's metabolism. In addition to having detrimental effects on glucose metabolism, a study from Sweden found that lack of sleep also increases impulsiveness, feelings of hunger, and cravings. This creates a perfect storm wherein people are more likely to make impulse purchases of high-calorie, unhealthy foods.</p> <p>Not only is this bad for your health, it also affects shopping habits and what you're spending on food. All those impulse junk food purchases can add up quickly, swelling both your grocery budget and your waistline.</p> <h2>5. Safer driving</h2> <p>I once knew a sleep-deprived new dad who drove his car right into a parked police vehicle. Needless to say, he was lucky to walk away with just a big ticket to pay. Sleep deprivation makes you more likely to get into a possibly tragic accident. According to the CDC, drowsy driving caused 72,000 crashes in 2013 and 800 deaths &mdash; all of which could have been prevented with more shut-eye.</p> <p>Protect yourself and others by getting adequate sleep and avoiding driving when tired. The best way to prevent drowsy driving is by getting at least seven hours of sleep a night. Not only could you prevent a tragedy, you also protect yourself from higher insurance premiums, costly medical bills and repairs, and the potential of getting sued. (See also: <a href="http://www.wisebread.com/9-ways-life-is-wonderful-when-youre-a-good-driver?ref=seealso" target="_blank">9 Ways Life Is Wonderful When You're a Good Driver</a>)</p> <p>Getting enough sleep can improve your life in many ways, including saving you money. To start sleeping better, start by practicing good sleep hygiene and making quality sleep a priority. You can also talk to your health provider about ways to improve the quality and duration of your sleep so your days are more productive and successful. (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 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-getting-more-sleep-helps-your-finances&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520Getting%2520More%2520Sleep%2520Helps%2520Your%2520Finances.jpg&amp;description=How%20Getting%20More%20Sleep%20Helps%20Your%20Finances"></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%20Getting%20More%20Sleep%20Helps%20Your%20Finances.jpg" alt="How Getting More Sleep Helps Your Finances" 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/camilla-cheung">Camilla Cheung</a> of <a href="http://www.wisebread.com/how-getting-more-sleep-helps-your-finances">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/when-self-care-actually-harms-your-budget">When Self-Care Actually Harms Your Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-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/7-essential-money-moves-for-new-parents">7 Essential Money Moves for New Parents</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-parenting-mistakes-to-avoid-when-teaching-kids-about-money">4 Parenting Mistakes to Avoid When Teaching Kids About Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-a-gym-membership-isnt-worth-it">5 Times a Gym Membership Isn&#039;t Worth It</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Health and Beauty budgeting tips full night's sleep get more sleep personal finance tips rest saving money self-care sleep Wed, 21 Mar 2018 09:00:07 +0000 Camilla Cheung 2121232 at http://www.wisebread.com 10 Affordable Ways to Make Spring Break All About Self-Care http://www.wisebread.com/10-affordable-ways-to-make-spring-break-all-about-self-care <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-affordable-ways-to-make-spring-break-all-about-self-care" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_left_daydreaming.jpg" alt="Girl left daydreaming" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The concept of self-care is growing in popularity, and for good reason. In an increasingly fast-paced world, it can be challenging to make time for yourself.</p> <p>On one hand, practicing self-care can get expensive very quickly. But fortunately, you don't have to take a fancy resort vacation or spend hundreds of dollars at a spa in order to prioritize your most basic needs. In fact, for many people, self-care can be affordable enough to treat themselves regularly.</p> <p>Here are 10 ways to make this spring break all about caring for yourself, without blowing your budget. (See also: <a href="http://www.wisebread.com/treat-yourself-with-these-7-free-self-care-routines?ref=seealso" target="_blank">Treat Yourself With These 7 Free Self-Care Routines</a>)</p> <h2>1. Go outside</h2> <p>Nature is full of interesting new sights and sounds, plus, the fresh air and sunshine can help you to feel more at ease. Plan a hike, bike ride, or camping trip, and spend as much time outdoors as possible. Meandering in nature can help clear your head and is a completely free way to practice self-care.</p> <h2>2. Call an old friend</h2> <p>Sometimes, the best pick-me-up is speaking with an old friend whom you haven't caught up with in quite some time. A phone call costs almost nothing, and with the extra time on your hands, this spring break is the perfect time to reconnect.</p> <h2>3. Exercise</h2> <p>Simply making time for exercise can be one of the most care-filled gifts you can give yourself. Moving your body releases endorphins, which reduce pain and improve your mood. And you don't need to spend any money to work up a sweat. There are plenty of free workout videos on YouTube that you can follow along with at home, free apps that take you through guided exercises and yoga, or you can hit the road for a brisk walk or jog. (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>4. Meal prep</h2> <p>It can feel hard, if not impossible, to eat healthy throughout the week. After a long day at work, you may be tired or stressed and the last thing you want to do is cook.</p> <p>Meal prep is good for your health, budget, and can save you time in the future. So do something for yourself and prep a few meals during your spring break. You can dice up vegetables and make a few healthy freezer meals to have on hand for those days you don't feel like cooking. Trust me, your future self will thank you. (See also: <a href="http://www.wisebread.com/save-money-and-eat-better-with-these-6-online-meal-planners?ref=seealso" target="_blank">Save Money and Eat Better With These 6 Online Meal Planners</a>)</p> <h2>5. Spring clean your house</h2> <p>When life gets hectic, the cleanliness and organization of your house is often the first thing to reflect it. Sometimes, the biggest act of self-care is to organize your home and get rid of items you no longer use. Better yet, rearranging your home can often give you the change you've been craving, while costing you $0.</p> <h2>6. Plan a staycation</h2> <p>Don't have the budget for a fancy spring break trip? Create your own vacation without even leaving home by planning your own staycation. With a staycation, you spend time exploring your own city or staying home, and you create your own relaxation. So step away from work, set aside any chores, and enjoy your time away from the hustle and bustle of everyday life. (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>7. Have an at-home spa day</h2> <p>No budget for the spa? No problem. You can easily create your own at-home spa with a few simple products.</p> <p>To really get the most bang for your buck, you can use everyday ingredients straight from your kitchen to treat yourself to a spa day. For instance, honey makes a great face mask, and coconut oil works wonders for your hair. Need a body scrub? Mix some brown sugar and milk together for a scrub that mimics even the most expensive beauty products.</p> <h2>8. Practice a hobby</h2> <p>Spring break is the perfect time to make room for hobbies. Whether it's reading, fishing, cooking, or something else, there are plenty of cheap ways to improve your skills and get lost in the fun of trying something new.</p> <h2>9. Catch up on sleep</h2> <p>What better (and cheaper) way to enjoy your spring break than to catch up on sleep? During your days off from work, close the blinds, take as many naps as your body needs, and don't set any alarms. Being well-rested does wonders for your mental and physical health, and it's absolutely free. (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> <p>If the weather is nice, you can take it a step further and take a midday snooze outdoors in the sunshine. Just don't forget the sunblock!</p> <h2>10. Schedule appointments you've been putting off</h2> <p>When you get busy, it can be common to forgo regular doctor appointments and other health checkups for the sake of time. This spring break, schedule all of your appointments, and get them out of the way. Whether it's a dental exam, haircut, physical, or another appointment, scheduling these appointments definitely qualifies as an act of self-care.</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-affordable-ways-to-make-spring-break-all-about-self-care&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Affordable%2520Ways%2520to%2520Make%2520Spring%2520Break%2520All%2520About%2520Self-Care.jpg&amp;description=10%20Affordable%20Ways%20to%20Make%20Spring%20Break%20All%20About%20Self-Care"></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%20Affordable%20Ways%20to%20Make%20Spring%20Break%20All%20About%20Self-Care.jpg" alt="10 Affordable Ways to Make Spring Break All About Self-Care" 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/rachel-slifka">Rachel Slifka</a> of <a href="http://www.wisebread.com/10-affordable-ways-to-make-spring-break-all-about-self-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-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/10-easy-ways-to-improve-your-life-before-the-end-of-the-year">10 Easy Ways to Improve Your Life Before the End of the Year</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-self-care-can-actually-save-you-money">5 Ways Self Care Can Actually Save You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-smart-ways-to-invest-in-your-health">7 Smart Ways to Invest in Your Health</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/9-simple-acts-of-self-care-for-the-sandwich-generation">9 Simple Acts of Self-Care for the Sandwich Generation</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty health tips healthy living mental health self care spring break staycation vacation Tue, 20 Mar 2018 09:30:17 +0000 Rachel Slifka 2119357 at http://www.wisebread.com Best Money Tips: Simple Ways to Save on Health Care http://www.wisebread.com/best-money-tips-simple-ways-to-save-on-health-care <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-simple-ways-to-save-on-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/woman_doctor_patient_682268826.jpg" alt="Woman finding ways to save on health care" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on simple ways to save on health care, laundry tips and tricks everyone should know, and how to know when it&rsquo;s time to turn your side hustle into a full-time business.</p> <h2>Top 5 Articles</h2> <p><a href="https://diseasecalleddebt.com/simple-ways-to-save-money-on-health-care/">Simple Ways to Save Money on Health Care</a> &mdash; Avoid nasty surprises by researching the medical facilities in your area before you need them. [Disease Called Debt]</p> <p><a href="https://www.popsugar.com/smart-living/Laundry-DIYs-37582010">35 Laundry Tips and Tricks That Everyone Should Know</a> &mdash; You can use lemons to spruce up dingy whites. [PopSugar Smart Living]</p> <p><a href="https://everythingfinanceblog.com/24027/turn-side-hustle-full-time-business.html">Is It Time to Turn Your Side Hustle into a Full-Time Business?</a> &mdash; Does your side-hustle have what it takes to turn into a full-time business? [Everything Finance]</p> <p><a href="http://frugalbeautiful.com/blog/4-ways-to-detox-from-overspending/">4 Ways To Detox From Overspending</a> &mdash; Curb your shopping cravings by focusing on the things you already have and organizing the clutter that may be piling up at home. [Frugal Beautiful]</p> <p><a href="http://www.budgetsaresexy.com/money-lies-to-ignore/">11 Money Lies To Watch Out For</a> &mdash; The money lies we tell ourselves can keep us from thriving &mdash; financially and generally. [Budgets Are Sexy]</p> <h2>Other Essential Reading</h2> <p><a href="https://www.frugalrules.com/how-to-save-money-on-summer-camp/">How We Save Money on Summer Camp Programs</a> &mdash; A quality, educational summer program for your child doesn't have to break the bank. Take these steps to save a decent chunk of change on summer camp expenses. [Frugal Rules]</p> <p><a href="https://zenhabits.net/becalm/">How to Be Calm</a> &mdash; When things don't go your way, use these practices to stay calm and weather the storm. [zen habits]</p> <p><a href="https://ptmoney.com/buying-house-financial-independence/">Buying a House will Slow Down Your Path to Financial Independence (But You Should Do it Anyway)</a> &mdash; Buying a house isn't the most efficient way to make money in real estate, but it can still make you wealthy if you do it right. [PT Money]</p> <p><a href="https://www.quickanddirtytips.com/money-finance/saving-spending/10-strategies-to-reduce-money-stress-and-improve-your-finances">10 Strategies to Reduce Money Stress and Improve Your Finances</a> &mdash; Once you figure out the root causes of your money stress, you can use these strategies to reduce it. [Money Girl]</p> <p><a href="https://centsiblyrich.com/learn-how-to-best-review-your-life-insurance-plan/">Learn How to Best Review Your Life Insurance Plan</a> &mdash; Read through your policy and make sure you understand the terms and concepts involved in a life insurance plan. [Centsibly Rich]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-simple-ways-to-save-on-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-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-2 views-row-even"> <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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-handle-a-massive-medical-bill">How to Handle a Massive Medical Bill</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/how-to-get-health-insurance-if-you-missed-the-open-enrollment-deadline">How to Get Health Insurance If You Missed the Open Enrollment Deadline</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty best money tips health care Thu, 15 Mar 2018 09:30:21 +0000 Amy Lu 2118755 at http://www.wisebread.com The 5 Best Massage Tools http://www.wisebread.com/the-5-best-massage-tools <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-massage-tools" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/foot_massage_roller_474716408.jpg" alt="Woman using best massage tool" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Muscle strains and spasms, body pains, and stress can happen to the best of us. Fortunately, these problems can be eased by a good massage. Even better, you don't need to spend up to $150 for a professional massage anymore, when at-home massage tools can give you similar results at a fraction of the cost.</p> <h2>What are massage tools?</h2> <p>Massage tools are self-improvement items that can be used at home or on-the-go to massage pressure points and sore spots throughout the body. Massages are great after a long day or tough physical workouts (like a marathon or moving day). They can also help you relax, improve blood circulation, and relieve your body of pain or stress.</p> <h2>Top 5 massage items</h2> <h3>Body Back Company's Back Buddy Trigger Point Therapy Self Massage Tool</h3> <p><a href="http://amzn.to/2FGB6Pu" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/body%20back.jpg" width="198" height="245" align="right" alt="" /></a>An Amazon's Choice product, the <a href="http://amzn.to/2FGB6Pu" target="_blank">Body Back Company's Back Buddy Trigger Point Therapy Self Massage Tool</a> is ideal for muscle pain and strain, spasms, and knots. The uniquely designed S-shaped tool includes I-Beam influenced rectangular cross sections, 11 therapy knobs, flattened sides, high-density plastic, and specially engineered hooks that make it at least three times stronger and easier to hold than similar designs. It can easily reach pressure points and hard-to-reach areas, like the back, neck, shoulders, legs, arms, feet, chest, and hips. The lightweight tool also offers assistance in pain management techniques like trigger point therapy, myofascial release, and deep tissue massage therapy.</p> <p>The trigger point self-massage tool is a hypoallergenic product that can be safely used in the shower. It's available in various colors and includes detailed instructions. It is an Amazon best-seller and has more than 5,000 five-star reviews on Amazon. It is also recommended by medical professionals, chiropractors, massage therapists, physical therapists, and fitness experts, and backed by a lifetime guarantee.</p> <p><a href="http://amzn.to/2FGB6Pu" target="_blank"><em>Currently $29.95 on Amazon</em></a></p> <h3>Naipo Shiatsu Back and Neck Massager</h3> <p><a href="http://amzn.to/2FRlHPD" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/naipo.jpg" width="218" height="245" align="right" alt="" /></a>Amazon's #1 best-seller in electric back massagers, the <a href="http://amzn.to/2FRlHPD" target="_blank">Naipo Shiatsu Back and Neck Massager</a> can be used on the neck, shoulders, back, stomach, legs, feet, or anywhere else that may feel sore. With the control panel, you can change the direction and speed or add heat. It has an ergonomic U-design, PU leather, breathable 3D mesh fabric, and comfortable, flexible straps, so you can easily apply pressure where you need it most. It also has a 20-minute auto-off function and overheat protection. It can relieve tension, stress, and anxiety by relaxing your body. It has eight deep-kneading Shiatsu massage nodes to help relieve muscle tightness, increase circulation, and even improve sleep.</p> <p>The 3D rotation kneading Shiatsu massager is very easy to use. This includes a free dust guard, charger, and car charger, so you can even enjoy it on a long car ride. It is one of Amazon's top &quot;Gift Ideas&quot; and is backed by more than 1,000 five-star reviews on Amazon and a 30-day guarantee.</p> <p><a href="http://amzn.to/2FRlHPD" target="_blank"><em>Currently $49.99 on Amazon</em></a></p> <h3>TheraFlow Dual Foot Massager Roller</h3> <p><a href="http://amzn.to/2FGLXJx" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/theraflow.jpg" width="245" height="159" align="right" alt="" /></a>Amazon's Choice for foot massagers, the portable <a href="http://amzn.to/2FGLXJx" target="_blank">TheraFlow Dual Foot Massager Roller</a> allows you to enjoy the benefits of reflexology and acupressure at home or work. It can refresh tired, achy feet, relieve plantar fasciitis, and reduce heel, foot, and arch pain. It also promotes blood flow for better overall health. Its arched design can cater to the natural curves of the feet. The ridges offer trigger point stimulation while the nubs offer acupoint reflexology. The anti-slip strips across the bottom will help protect your floor.</p> <p>This is made of high-quality, polished wood for solid construction that will last. It's an Amazon best-seller and backed by over 2,000 five-star reviews on Amazon. It includes a foot reflexology chart and lifetime warranty.</p> <p><a href="http://amzn.to/2FGLXJx" target="_blank"><em>Currently $18.95 on Amazon</em></a></p> <h3>Wahl Deep Tissue Percussion Therapeutic Massager</h3> <p><a href="http://amzn.to/2DpzuHW" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/wahl_1.jpg" width="186" height="245" align="right" alt="" /></a>Amazon's Choice for massagers, the <a href="http://amzn.to/2DpzuHW" target="_blank">Wahl Deep Tissue Percussion Therapeutic Massager</a> offers full-body pain relief and relaxation. It has variable speeds and four massage attachment heads for a fully customized massage. The ergonomic design allows you to easily use it on any problem areas. It is an Amazon best-seller and has more than 1,500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2DpzuHW" target="_blank"><em>Currently $30.96 on Amazon</em></a></p> <h3>FIVE S Vibration Massage Seat Cushion</h3> <p><a href="http://amzn.to/2tKt1I7" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/five%20s.jpg" width="166" height="245" align="right" alt="" /></a>The portable <a href="http://amzn.to/2tKt1I7" target="_blank">FIVE S Vibration Massage Seat Cushion</a> can help with pain or provide the perfect relaxing at-home spa service at the end of a long day. The vibrating massager includes a seat cushion, optional heat function, and a remote and car adapter, so you can use it in the home, office, or car. The 10-motor vibration massage cushion can help with pain in the neck, shoulders, back, and thighs. It has three massage speeds, four massage programs, and four zones to hit each area of the body. It also has automatic shut down after 30 minutes. It is backed by over 2,000 five-star reviews on Amazon and a three-year warranty.</p> <p><a href="http://amzn.to/2tKt1I7" target="_blank"><em>Currently $44.99 on Amazon</em></a></p> <p>And those are our recommendations for the best massage items. 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-massage-tools&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Massage%2520Tools.jpg&amp;description=The%205%20Best%20Massage%20Tools"></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%20Massage%20Tools.jpg" alt="The 5 Best Massage Tools" 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-massage-tools">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-5-best-shampoos-for-frizzy-hair">The 5 Best Shampoos for Frizzy Hair</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-cleansing-milks">The 5 Best Cleansing Milks</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-anti-itch-creams">The 5 Best Anti-Itch Creams</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-dandruff-shampoos">The 5 Best Dandruff 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-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best foot massage massage items massage tools massager product reviews Wed, 14 Mar 2018 09:01:05 +0000 Andrea Cannon 2118003 at http://www.wisebread.com Could You Make Ends Meet If You Were Suddenly Disabled? http://www.wisebread.com/could-you-make-ends-meet-if-you-were-suddenly-disabled <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/could-you-make-ends-meet-if-you-were-suddenly-disabled" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/empty_wheelchair_in_living_room.jpg" alt="Empty wheelchair in living room" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Becoming disabled is not a worst-case scenario, but it's one that can wreak irreparable havoc on your finances. You may have little to no control over whether or not a disabling illness or injury will impact your life, but you <em>can </em>prepare for the what-if. If you don't, you could find yourself &mdash; and your loved ones &mdash; facing financial ruin should the what-if become reality.</p> <p>We all need to ask ourselves: Could we make ends meet if we were suddenly disabled?</p> <h2>Build your emergency fund ASAP</h2> <p>Ideally, you should have at least six months' worth of salary in an emergency account, but even three months' worth can be a big help when you're facing a disability. Even if you can go back to work eventually, you'll probably be out for some time &mdash; first in the hospital, and then recovery time at home, which may be an extended period depending on the severity of your condition. If your emergency fund is currently running on empty, now is the time to focus on beefing it up. Illness or injury could happen at any time, to anyone. (See also: <a href="http://www.wisebread.com/7-easy-ways-to-build-an-emergency-fund-from-0?ref=seealso" target="_blank">7 Easy Ways to Build an Emergency Fund From $0</a>)</p> <h2>Identify other sources of income or savings</h2> <p>If you don't have a lot of money in your emergency fund, maybe there are other sources of income or savings that you can rely on. Do you have valuables that you can sell? Can you downsize to put cash in the bank? Will your disability allow you to get a new job based on your skills and limited mobility? Do you have stocks or bonds you can cash in? None of this is ideal, of course, but it may prevent or at least hold off mounting debt while you recover or figure out how to best move forward based on your disability.</p> <h2>Disability insurance is a must</h2> <p>If you're gainfully employed, I highly recommend that you get disability insurance &mdash; while you are still healthy and able-bodied &mdash; even if it's short-term. Short-term disability insurance will pay roughly half your salary while you're out of work. Short-term disability duration can range, but the maximum amount of time is generally a year.</p> <p>If you can get long-term disability through your employer, even better; that will protect you after the short-term expires, paying around 50 to 70 percent of your normal salary until you can return to work or for the amount of time stated in your policy.</p> <p>If you're not sure what kind of disability benefits you may need, talk it over with a financial adviser or planner. You may also be able to get coverage for the eventuality that your spouse has to quit their job to become your caregiver.</p> <p>Disability insurance may not seem necessary when you're young (I was invincible in my 20s, too), but you could wind up in major financial trouble later in life, especially if you're starting your career with very little money in the bank. (See also: <a href="http://www.wisebread.com/4-things-you-need-to-know-about-disability-insurance?ref=seealso" target="_blank">4 Things You Need to Know About Disability Insurance</a>)</p> <h2>Social Security Disability may be able to help</h2> <p>If you didn't invest in a disability insurance policy before the injury, you can file a claim for Social Security Disability benefits and see if you qualify. Just don't count on it right away. This can be a very long, tedious process, and many claims are denied the first time they are filed. If you are denied, you can file an appeal. A lawyer may be able to help you expedite the process, though it will come with the added expense of legal fees.</p> <h2>Consider your loved ones, too</h2> <p>You don't want to burden your family with taking care of you if you can help it. Preventing them from having to make financial sacrifices on your behalf is another case for investing in disability insurance.</p> <p>Your loved ones' lives can change drastically along with yours in the event of a disabling illness or injury. They may have to quit a job to become your caretaker, sell or modify their home, or make various other types of serious financial sacrifices. You can lessen that risk with proper planning. Quality of life is even more important when faced with a disability &mdash; for all those impacted, not just the injured individual &mdash; and it's your responsibility to take care of yourself while you're still healthy and ensure you have a plan.</p> <p>The reality is, you can't assume that your loved ones will be able to drop everything and make financial sacrifices for you. Illness or injury can be a very stressful situation in anyone's life, and if you can lessen that stress ahead of time, you owe it to those who would be tasked with your care.</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%2Fcould-you-make-ends-meet-if-you-were-suddenly-disabled&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FCould%2520You%2520Make%2520Ends%2520Meet%2520If%2520You%2520Were%2520Suddenly%2520Disabled_.jpg&amp;description=Could%20You%20Make%20Ends%20Meet%20If%20You%20Were%20Suddenly%20Disabled%3F"></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/Could%20You%20Make%20Ends%20Meet%20If%20You%20Were%20Suddenly%20Disabled_.jpg" alt="Could You Make Ends Meet If You Were Suddenly Disabled?" 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/could-you-make-ends-meet-if-you-were-suddenly-disabled">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-9"> <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/4-things-you-need-to-know-about-disability-insurance">4 Things You Need to Know About Disability Insurance</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/urgent-care-or-er-how-to-decide-where-to-go">Urgent Care or ER? How to Decide Where to Go</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-boost-your-financial-resilience">5 Ways to Boost Your Financial Resilience</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/9-money-moves-youre-never-too-old-to-make">9 Money Moves You&#039;re Never too Old to Make</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/is-your-emergency-fund-big-enough-to-keep-you-afloat">Is Your Emergency Fund Big Enough to Keep You Afloat?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Health and Beauty Lifestyle caregivers disability emergency funds illness injury insurance loss of income out of work social security Wed, 07 Mar 2018 09:30:09 +0000 Mikey Rox 2111739 at http://www.wisebread.com