stress http://www.wisebread.com/taxonomy/term/7162/all en-US How Your Bad Credit Can Impact Your Kids http://www.wisebread.com/how-your-bad-credit-can-impact-your-kids <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-your-bad-credit-can-impact-your-kids" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/working_at_home.jpg" alt="Working at home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>This is not about laying the guilt on you as a parent (there's already plenty of that to go around). However, you need to know that bad credit not only impacts your financial situation, but can also have long-term effects on your kids. Here's what you need to know.</p> <h2>It could keep them from getting a student loan</h2> <p>Co-signing a student loan should not be the default decision in helping your child afford college. Co-signing can cause serious financial problems for you down the line if your child cannot afford to make the loan payments. However, if you do decide you want to help your child apply for a student loan by co-signing, a poor credit score could prevent you from doing so. Your negative credit history will come up in the loan application and can cause it to be denied.</p> <p>Being unable to get a student loan means that your child may have to choose from limited educational options. Is that the end of the world? No, of course not. But certain career tracks depend on specific educational programs, and limited college options can make that difficult.</p> <p>Federal student loans, however, are still an option for your child even if you have poor credit. The Perkins loan and the Stafford loan, for example, have fixed interest rates and don't depend on credit history to determine eligibility.</p> <h2>It could make it more difficult for them to establish a credit history</h2> <p>College is often the time when young adults start establishing their own, independent credit history. That seems like no problem, until you realize that &quot;independent credit history&quot; isn't so independent at first.</p> <p>In fact, many credit card companies require a co-signer on a card if the primary applicant is under 21 years of age. That means that if you want to co-sign on a card to help your child start building credit, your own bad credit can cause your child's application to be denied. Keeping your kid out of credit card debt is great, but well-managed use of a credit card is often a great way to start establishing credit history. It's tough to get credit for a bigger purchase when there's no credit history to check.</p> <p>A <a href="http://www.wisebread.com/5-best-secured-cards-with-no-annual-fee?ref=internal" target="_blank">secured credit card</a> may be a good alternative, but keep a careful eye on hidden fees and increasing interest rates. The key to using a secured credit card successfully is to pay it off in full each month; otherwise, the high interest rates will cost you and your child much more than it's worth to build that credit history.</p> <h2>It could teach them poor financial habits</h2> <p>If your bad credit is a result of poor financial habits, you may have passed those &mdash; and a bad attitude toward money in general &mdash; on to your kids. (See also: <a href="http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids?ref=seealso" target="_blank">4 Bad Money Habits You're Teaching Your Kids</a>)</p> <p>If they haven't learned from you how to budget, how to save, and how to plan for the future, they probably don't know how to do it. And if you're not showing them how to handle financial stress in a healthy way, or communicate with each other about financial issues, chances are they won't learn how.</p> <p>The great news is that you can all learn together, starting now. A poor financial past does not have to mean a poor financial future. You can change your habits and your attitudes, and there's help available to do so. Start with financial counseling to figure out how you (and your kids) can build better financial habits for today and for the future.</p> <h2>It could prevent them from accessing opportunities</h2> <p>There are often special extracurricular activities, such as field trips, tutoring, music lessons, and more, which come with a hefty price tag. Many parents can't afford these expenses outright, but can use a credit card or other loan option to pay for the expense and then pay that debt off within a few months.</p> <p>Poor credit can keep you from being able to access this payment option for these extra expenses, which means your child may have to pass on them. If your child is focused on a future that involves art, music, or sports, those missed opportunities may really matter.</p> <p>However, it's worth noting that, in general, there are inexpensive options to build a stellar academic resume. Look into free extracurricular activities such as volunteering in local communities, trading lessons for service or help, or applying for scholarships for workshops and camps. (See also: <a href="http://www.wisebread.com/save-on-school-expenses-without-ruining-your-kids-childhood?ref=seealso" target="_blank">Save on School Expenses Without Ruining Your Kid's Childhood</a>)</p> <h2>It can negatively impact their home life</h2> <p>Poor credit can have a major impact on your ability to access housing, transportation, and work. It isn't fair to be judged solely by your credit score; unfortunately, it happens.</p> <p>Poor credit might prevent you from getting a lease, which can make your living conditions unstable and bring a lot of stress into your life. You might encounter the same issues being unable to get a car loan, which means you have to rely on public transportation, rides from friends, or an old, unreliable car for getting around.</p> <p>Of course, living and transportation issues can make getting to work difficult. If your job is unstable, your income is unstable. This instability leads to more financial issues and stress, all of which can directly impact your child's life at home. It's a vicious cycle.</p> <h2>What can you do?</h2> <p>Despite the negative consequences of bad credit, there are steps you can take right now to start improving things. It's not just for you; it's also for your kids. Here's a short list to get you started.</p> <h3>Get financial counseling</h3> <p>There are resources available, such as confidential, low-fee credit counseling from nonprofit organizations. A good place to find help is through the <a href="https://www.nfcc.org/" target="_blank">National Foundation for Credit Counseling</a> and the <a href="http://fcaa.org/" target="_blank">Financial Counseling Association of America</a>. You can also ask at your local credit union and religious or nonprofit organizations. Many of these places offer free or low-cost access to financial advisers, credit counseling, and debt management. (See also: <a href="http://www.wisebread.com/8-organizations-that-really-can-help-you-with-your-debt?ref=seealso" target="_blank">8 Organizations That REALLY Can Help You With Your Debt</a>)</p> <h3>Start taking steps now to deal with your bad credit</h3> <p>Don't put this off another moment longer. <a href="http://www.wisebread.com/credit-counseling-when-you-need-it-and-when-you-dont" target="_blank">Credit counseling</a>, <a href="http://www.wisebread.com/5-tricks-to-consolidating-your-debt-and-saving-money" target="_blank">debt consolidation</a>, <a href="http://www.wisebread.com/7-unnecessary-household-expenses-you-can-cut-today" target="_blank">lowering expenses</a>, and even <a href="http://www.wisebread.com/11-steps-to-take-when-bankruptcy-is-your-only-option" target="_blank">declaring bankruptcy</a> may be good options.</p> <p>Dealing with poor credit is not easy. However, you're not alone. Many people have <a href="http://www.wisebread.com/your-bad-credit-isnt-the-end-of-the-world" target="_blank">dealt with bad credit</a> and come through it stronger than ever, and you can, too. No matter how tough your financial past has been, you can build positivity for your kids by communicating, being proactive, and looking for ways forward, together.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/how-your-bad-credit-can-impact-your-kids">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/are-you-ruining-your-retirement-by-spoiling-your-kids">Are You Ruining Your Retirement by Spoiling Your Kids?</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/dont-start-a-family-before-reaching-these-5-money-goals">Don&#039;t Start a Family Before Reaching These 5 Money Goals</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/4-signs-you-are-teaching-your-kids-bad-financial-habits">4 Signs You Are Teaching Your Kids Bad Financial Habits</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/best-kids-eat-free-restaurants">Best Kids Eat Free Restaurants</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/should-your-kids-contribute-to-family-money-goals">Should Your Kids Contribute to Family Money Goals?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family bad credit children co-signing credit history financial habits impact kids negative stress student loans Thu, 21 Sep 2017 08:00:06 +0000 Annie Mueller 2022638 at http://www.wisebread.com 4 Ways Science Says Money Affects Your Mind http://www.wisebread.com/4-ways-science-says-money-affects-your-mind <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-ways-science-says-money-affects-your-mind" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_woman_with_money.jpg" alt="Young woman with money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>How we think about money can make it easier &mdash; or more difficult &mdash; for us to handle our finances well. These studies reveal some interesting information on our money mentality, and how these thoughts can affect our day-to-day money decisions.</p> <h2>1. When you don't have enough money, you don't think as clearly</h2> <p>Without the money you need to pay your bills and meet your regular expenses, something strange happens to your brain. Because of the stress induced by financial scarcity, you can actually <em>lose </em>some cognitive functioning ability. That means you're less able to process information, analyze and prioritize conflicting needs, and make long-term decisions. (See also: <a href="http://www.wisebread.com/poverty-makes-you-stupid?ref=seealso" target="_blank">Poverty Makes You Stupid</a>)</p> <p>In 2013 researchers conducted two different studies. One involved shoppers at a mall in New Jersey who were asked to consider a hypothetical problem, such as <a href="http://science.sciencemag.org/content/341/6149/976" target="_blank">how to pay for a car repair</a>. They were then given unrelated spatial and reasoning tasks to complete.</p> <p>In the study, lower-income individuals performed poorly on those unrelated tasks if the cost of the car repair was high. They did better on the tasks when told the cost of the repair was lower. Higher income participants performed well, no matter what the cost of the hypothetical repairs were. The greater stress the lower income participants felt when faced with high repair costs seems to have affected their ability to perform other kinds of tasks.</p> <p>In another experiment on the other side of the world, sugar cane farmers from India were asked to perform a series of tasks both before their harvest, when they were poor, and after the harvest, when they were rich. The farmers performed better at cognitive tasks after the harvest than they did before. Researchers concluded that poverty-related concerns leave less mental resources for other types of tasks.</p> <p>You, most likely, are neither a New Jersey shopper nor a Tamil Nadu sugar cane farmer. However, your brain responds in the same way to financial stress. When you lack the resources to pay bills and buy groceries, or to handle a financial crisis of some sort, a huge amount of your cognitive ability is taken up in figuring out how to handle the problem. That means, of course, that you have less cognitive ability left to make decisions in other areas of your life.</p> <h3>Take-away</h3> <p>As much as possible, avoid making big decisions in any area of your life when you're under financial stress, whether it's temporary or extended. Try to give yourself more time, and get help when possible until your financial situation is resolved. Realize that the financial stress will have a direct effect on your cognitive ability, and normal tasks may seem harder. Reduce any obligations you can.</p> <h2>2. When you have a lot of money, you think you deserve all your advantages</h2> <p>You work hard for your money; so, in a sense, you deserve the advantages you gain from it. However, other advantages and the results of chance or &quot;good luck&quot; aren't something you earn or deserve. When you're doing well financially, however, you'll tend to give yourself credit for all the good stuff that comes your way, no matter how unrelated it is to your hard work or financial smarts.</p> <p>In 2012, psychologist Paul Piff conducted an experiment on <a href="https://www.ted.com/talks/paul_piff_does_money_make_you_mean" target="_blank">wealth's impact on ethical behavior</a>. Stationed at the University of California, Berkeley, Piff had over 100 participants play a game of Monopoly. Anyone who's ever played Monopoly with competitive family members knows how dangerous that can be. In this situation, however, one player had almost no chance of winning; the two players were given different rules.</p> <p>Player One got <a href="http://nymag.com/news/features/money-brain-2012-7/" target="_blank">$2,000 at the beginning of the game</a>, received $200 every time he passed Go, and got to roll two dice. Player Two, on the other hand, received only $1,000 at the beginning of the game, got only $100 on every trip past Go, and got to roll only one die. The mood of the game was interesting; as the players progressed, Player One, who was advantaged, became increasingly dominant and rude toward the other player, smacking pieces around the board and loudly celebrating their victory.</p> <p>What does this mean for you?</p> <p>It means that, if you're human (and we assume that you are), you, too, are subject to this type of mental attitude toward having plenty of money. The more financially secure you feel, the more you might assume you have the right to be financially secure. This cognitive bias could easily affect your financial future by leading you to treat your money casually and assume that everything will work out for the best.</p> <p>Perhaps more chilling is the effect that this mental response can have on how you treat other people. A 2012 study by The Chronicle of Philanthropy showed that, surprisingly, lower-income households give a bigger portion of their discretionary income to charities than the wealthy do. In other words, not only can plenty of money make you think you inherently deserve all the advantages you have, it can make you think others don't deserve them &hellip; at least, not quite as much as you do.</p> <h3>Take-away</h3> <p>It's easy, and almost automatic, to feel invincible when you're in a good financial position. But this feeling of invincibility can prevent you from doing important financial planning, making prudent decisions, making wise investments, etc. You may also become less generous and less empathetic to the needs of others if you're feeling quite wealthy.</p> <p>Generosity, however, is a key way to strengthen your social network and build a support structure that will be with you even through difficult times. You should never assume you'll always have the advantages of wealth, or that they're inherent to you somehow.</p> <h2>3. Thoughts about money ease pain and social distress</h2> <p>Money does matter, and we wouldn't pretend otherwise. But you know that money isn't the only thing that matters in life. You can have plenty of money, but without fulfilling work and deep relationships, you'll be missing out on what is essential for a happy life. Unfortunately, your brain is often convinced otherwise, and thinks of money as a substitute for connection and as a valid way to relieve pain.</p> <p>In a 2009 study on <a href="http://assets.csom.umn.edu/assets/127771.pdf" target="_blank">money's impact on pain and social distress</a>, participants were invited to a lab where they were told they would be tested for finger dexterity. One group was tasked with counting a stack of currency; the other group got to count blank pieces of paper. After they counted, some of the participants were asked to put their fingers in a bowl of hot water &mdash; 122 degrees F &mdash; and rate their level of discomfort.</p> <p>The results?</p> <p>The participants who had counted currency expressed much lower levels of discomfort than the participants who had counted paper. The study, combined with earlier research, points to a strange tendency we have to equate money with strength, acceptance, and social connection.</p> <h3>Take-away</h3> <p>When you have plenty of money, be aware of the tendency to focus on your wealth and ignore the other needs in your life. It's great to have things that make you feel better, and there's nothing wrong with being appreciative of your financial security. However, put effort, thought, and attention into the relationships and community that surround you &mdash; those last longer and ultimately do more for you than money ever could.</p> <h2>4. You think money improves the odds of getting what you want</h2> <p>It can be intimidating to ask other people for help. You don't want to be a burden. You don't want to inconvenience people. And you don't want others to help you out of some sense of obligation, when secretly they're fuming over the delay and effort. It's easier to ask people for help when you can offer them something in return; that way, you think, it's not so much &quot;help&quot; as it is a trade. And what better to trade with than cold, hard cash?</p> <p>Past research has shown that people tend to <a href="https://repositori.upf.edu/handle/10230/22000" target="_blank">underestimate their ability to get others to help</a> them, or, in other words, to say yes to whatever is being requested. In five different studies, researchers showed that the requesters don't underestimate their ability to get others to comply <em>as much</em> when they're able to <a href="http://digitalcommons.ilr.cornell.edu/cgi/viewcontent.cgi?article=2093&amp;context=articles" target="_blank">offer money in exchange</a>.</p> <p>In the various studies, participants were asked to make a small request of others; before they did so, they were asked to estimate the likelihood of their success. When the participants knew they could offer a monetary incentive in exchange for the request, they were much more accurate in their prediction. In other words, participants equated the ability to offer money with their own chances of success. Also interesting is that being able to offer money made participants feel more comfortable with making a request.</p> <h3>Take-away</h3> <p>You may think you have to offer value, in particular cash value, in order to get cooperation and help. However, while money is motivational, it's not the most powerful motivation by any stretch. The studies showed that monetary incentive helped the requesters more accurately assess their own ability to get help. That ability was always there; they just weren't able to accurately see it until they had cash-in-hand to offer.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F4-ways-science-says-money-affects-your-mind&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F4%2520Ways%2520Science%2520Says%2520Money%2520Affects%2520Your%2520Mind.jpg&amp;description=4%20Ways%20Science%20Says%20Money%20Affects%20Your%20Mind"></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%20Ways%20Science%20Says%20Money%20Affects%20Your%20Mind.jpg" alt="4 Ways Science Says Money Affects Your Mind" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/4-ways-science-says-money-affects-your-mind">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-brain-is-keeping-you-in-debt-and-how-to-fix-it">Your Brain Is Keeping You in Debt (And How to Fix It)</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-get-through-a-tough-financial-emergency">How to Get Through a Tough Financial Emergency</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-your-bad-credit-can-impact-your-kids">How Your Bad Credit Can Impact Your Kids</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-find-the-savings-strategy-that-works-for-you">How to Find the Savings Strategy That Works For You</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-celebrities-with-shockingly-low-net-worths">6 Celebrities With Shockingly Low Net Worths</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance cognitive bias money psychology research science stress studies Tue, 05 Sep 2017 08:30:10 +0000 Annie Mueller 2013259 at http://www.wisebread.com 7 Ways to Stay Calm in Stressful Moments http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-to-stay-calm-in-stressful-moments" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_work_meditating_468693435.jpg" alt="Woman staying calm in stressful moments" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>No matter how much we simplify our lives, try to be organized, or carefully plan our weeks, stress happens. And in a hyper-connected world, stress can find us wherever we are. With a reach like that, we could all use a few new strategies for maintaining a level head when the world feels upside down. Here are seven ways to stay calm when you're stressed.</p> <h2>1. Prepare yourself mentally</h2> <p>If you can anticipate stress, you can prepare for it and (with a little practice) control your response to it. Approach the situation with a positive attitude, consider what solutions will be available, make a plan, and determine how you'll reward yourself once the challenge is over. With a strategy in place, you'll be much more likely to stay cool when the heat is on.</p> <h2>2. Breathe</h2> <p>Proper breathing feeds oxygen to your brain and helps restore imbalances in the autonomic nervous system &mdash; two advantages if you're trying to keep calm under pressure. Take a few moments to practice mindful breathing. Inhale deeply, expanding the chest and engaging the diaphragm muscles. Exhale slowly and fully. Repeat. Relax. (See also: <a href="http://www.wisebread.com/you-might-be-breathing-wrong-heres-what-you-should-do-instead?ref=seealso" target="_blank">You Might Be Breathing Wrong</a>)</p> <h2>3. Think of the big picture</h2> <p>Without proper perspective, stress can seem all-consuming. When you feel the pressure mounting, remind yourself that this is just a challenging moment in time; it's not the rest of your life. Identify the natural end point of every stressful period &mdash; the end of workweek, once final exams are over, or as soon as the latest project is complete &mdash; then work toward that point with renewed clarity and energy.</p> <h2>4. Identify what you can and can't control</h2> <p>Every stressful situation is different. Focus your energy by understanding what's within your control <em>right now</em> and working through solutions. Surrender everything that's beyond your control to the talents of others and that ultimate de-stressor: <em>time</em>.</p> <h2>5. Focus on what's urgent</h2> <p>With a clearer idea of what you can control, prioritize tasks as you go. Ask yourself, &quot;What issue is most urgent? What could have the largest impact on my job, my business, or my family?&quot; Sure, the printer may be jammed, there are deliveries to sign for, and your best salesperson just handed in her resignation letter. But if your largest client is fuming on the other end of the phone, that's the emergency. Focus only on what's primary and leave the rest for later.</p> <h2>6. Delegate</h2> <p>Often, stress is simply the result of too much to do in too short a time. In these instances, find someone you can delegate low-level tasks to (a team member at work, and a friend or family member at home). Trust that person to get the job done without your constant supervision and input. (See also: <a href="http://www.wisebread.com/how-to-delegate-at-work-and-at-home-in-4-easy-steps?ref=seealso" target="_blank">How to Delegate at Work and at Home in 4 Easy Steps</a>)</p> <h2>7. Unplug</h2> <p>If you're feeling overwhelmed, phone calls, emails, text messages, and a steady stream of world news will only add to the chaos. Give yourself permission to unplug for awhile and give your brain a rest. If stress is a regular part of your life, reserve some off-grid time every evening or on weekends. Defend your downtime (and avoid worrying friends and family) by letting everyone know you won't be available. (See also: <a href="http://www.wisebread.com/13-cheap-ways-to-beat-stress?ref=seealso" target="_blank">13 Cheap Ways to Beat Stress</a>)</p> <h2 style="text-align: center;">Like This Article? Pin it!</p> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-ways-to-stay-calm-in-stressful-moments&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Ways%2520to%2520Stay%2520Calm%2520in%2520Stressful%2520Moments.jpg&amp;description=7%20Ways%20to%20Stay%20Calm%20in%20Stressful%20Moments"></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%20Ways%20to%20Stay%20Calm%20in%20Stressful%20Moments.jpg" alt="7 Ways to Stay Calm in Stressful Moments" width="250" height="374" /></p> </h2> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-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/9-simple-acts-of-self-care-for-the-sandwich-generation">9 Simple Acts of Self-Care for the Sandwich Generation</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle breathing exercises calm deep breath meditation mental health self care stay calm stress Mon, 07 Aug 2017 09:01:05 +0000 Kentin Waits 1996874 at http://www.wisebread.com Bad Credit? It Might Cost You Your Marriage http://www.wisebread.com/bad-credit-it-might-cost-you-your-marriage <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/bad-credit-it-might-cost-you-your-marriage" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/wedding_costs.jpg" alt="Wedding costs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There's a lot to think about when choosing a partner: attraction, personality, and commonalities in interests, values, and life goals. Sense of humor is important, along with whether she's allergic to your cat or he's tolerant of your love for stinky cheeses.</p> <p>If you find a good match on all of those factors, are you set? Not entirely. Studies show that there's another factor you should consider: your potential mate's credit score.</p> <h2>The credit score connection</h2> <p>What's a credit score got to do with love? Quite a bit, actually. Well, maybe not love, per se, but credit scores have something to do with the longevity of a relationship. Lower credit scores are linked with higher rates of divorce or &quot;relationship dissolution,&quot; according to a 2015 study done by the Federal Reserve Board.</p> <p>The study looked at data from 12 million consumers to track correlation between credit score and relationship longevity. The results were telling: Researchers found that credit scores play a significant role in how long committed relationships last. If both partners have higher average credit scores at the beginning of the relationship, they are less likely to separate.</p> <p>A drop of 93 points in a partner's average credit score increased the chance that the relationship will end in the second year by a whopping 30 percent.</p> <p>If you thought money didn't matter, think again.</p> <h2>What about love, and stuff?</h2> <p>The big question is <em>why</em>. Why are lower credit scores related to increased chances of a relationship ending? There are several possibilities. More than likely, it's a combination of these factors:</p> <h2>Assumptions of character</h2> <p>The researchers posit that a low credit score may be linked to the lack of key relationship skills, such as trustworthiness. Credit scores, they point out, are used in many cases not just to show that someone is financially solvent, but that they are reliable and will honor their commitments.</p> <p>Of course, there are many complex factors involved in an individual's credit score. It's not fair to assume that because someone has a low credit score, that person is unreliable, lazy, or untrustworthy.</p> <p>But the perception that certain negative traits are present can be enough to close a lot of society's doors for an individual. A low credit score might mean you can't get a lease, can't get a loan, or can't buy a car. Those closed doors lead to the second significant factor: stress.</p> <h2>Ongoing financial stress</h2> <p>A low credit score may be due to unsecured and unpaid debt, often with high interest rates attached. Having debt at a high interest rate is enough, by itself, to cause financial stress. When you add in those closed doors, you get a mountain of financial pain.</p> <p>Imagine someone who has high-interest debt with a fairly high monthly payment. This person gets a great job, but needs reliable transportation to get to it. They can't get a loan to buy a car, and they don't have the cash to purchase one outright, so they have to rely on friends and family for rides. Maybe public transportation is available, but maybe it isn't. This person's ability to get to work depends on the willingness of other people to provide transportation.</p> <h2>It's not the credit score, but it is</h2> <p>Stress is stress, whether it's financial or caused by some other factor. When someone lives under continual financial stress, it affects the functioning of their brain and body. <a href="http://www.umm.edu/health/medical/reports/articles/stress" target="_blank">Chronic stress</a> is linked to higher blood pressure, lowered immune system, weight gain and obesity, depression and anxiety, short-term memory impairment, loss of concentration, and substance abuse.</p> <p>People with low credit scores are often functioning with chronic stress. They're simultaneously trying to overcome the limitations and assumptions caused by their low credit score. The relationship correlations make sense. Stress from any factor will affect a relationship; chronic stress can slowly dismantle the structure of a relationship.</p> <h2>Resentment in the relationship</h2> <p>Resentment and conflict can develop when one partner has to continually take on the brunt of the financial burden. For example, a couple decides to buy a home together; however, one partner's credit score would hurt the mortgage application. Instead of pursuing joint homeownership, the partner with better credit becomes the sole applicant for the home loan and thus, the sole responsible party. This sense of <a href="http://www.wisebread.com/why-couples-fight-over-money-and-what-to-do-about-it" target="_blank">financial inequality</a> can lead to ongoing resentment toward the person with lower credit.</p> <p>Resentment can run both ways. The partner with low credit may resent having to be &quot;helped.&quot; And the partner with better credit may use it to justify bad behavior in other areas of the relationship.</p> <h2>What can you do?</h2> <p>A credit score does not define the person you're with. And a credit score is not forever. There are ways to <a href="http://www.wisebread.com/5-tricks-to-consolidating-your-debt-and-saving-money" target="_blank">consolidate debt</a>. You can get <a href="http://www.wisebread.com/8-organizations-that-really-can-help-you-with-your-debt" target="_blank">free financial counseling</a>. Romantic partners with strong communication skills, and a plan for paying off debt and building financial security can tackle the challenges of low credit together, and win.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fbad-credit-it-might-cost-you-your-marriage&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FBad%2520Credit-%2520It%2520Might%2520Cost%2520You%2520Your%2520Marriage.jpg&amp;description=Bad%20Credit%3F%20It%20Might%20Cost%20You%20Your%20Marriage"></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/Bad%20Credit-%20It%20Might%20Cost%20You%20Your%20Marriage.jpg" alt="Bad Credit? It Might Cost You Your Marriage" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/bad-credit-it-might-cost-you-your-marriage">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-protect-yourself-financially-during-a-divorce-or-separation">How to Protect Yourself Financially During a Divorce or Separation</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/could-a-divorce-improve-your-finances">Could a Divorce Improve Your Finances?</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/4-myths-about-divorce-and-money-debunked">4 Myths About Divorce and Money, Debunked</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-manage-your-money-during-a-spousal-separation">How to Manage Your Money During a Spousal Separation</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/8-things-i-learned-about-money-after-getting-married">8 Things I Learned About Money After Getting Married</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance compatibility credit score debt divorce marriage money troubles relationships stress Thu, 27 Jul 2017 08:30:04 +0000 Annie Mueller 1988259 at http://www.wisebread.com 4 New Reasons You Need an Emergency Fund http://www.wisebread.com/4-new-reasons-you-need-an-emergency-fund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-new-reasons-you-need-an-emergency-fund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/emergency_fund_money_jar_filled_with_american_currency.jpg" alt="Emergency fund money jar filled with American currency" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You need an emergency fund: You've probably been told this plenty of times before, and you maybe haven't taken it as seriously as you should have.</p> <p>Well, some fresh data from 2017 proves that &hellip; yes, you really do need an emergency fund! If you've delayed stashing that money away, now is the time to start.</p> <h2>1. Potentially higher health care costs under AHCA</h2> <p>Let's start with a big-ticket item: health care. Under the current administration, the American Health Care Act (AHCA) is adjusting several items from its predecessor, the Affordable Care Act (ACA), otherwise known as Obamacare.</p> <p>Depending on several factors, including your age, and income level, and where you live, you may end up paying more or less under the AHCA than you did under the ACA. Those who are older, have a lower income, and live in an area with higher premiums are likely to pay more under the AHCA. For example, while a 40-year-old resident of Cherry County, Nebraska making $50,000 per year would pay 21 percent more in health premiums under the AHCA, a 27-year-old resident of Tulare County, California would pay 26 percent <em>less</em>.</p> <p>To get an idea of how much you would in pay under the AHCA, use this <a href="http://kff.org/interactive/tax-credits-under-the-affordable-care-act-vs-replacement-proposal-interactive-map/" target="_blank">predictor tool</a> from the Kaiser Family Foundation and get more information from your current health plan provider. Having an emergency fund would allow you to be ready to cover not only medical emergencies, but also the potential hike in those health care premiums.</p> <h2>2. Worrying about finances makes you less productive at work</h2> <p>According to recent data from the Employment Benefit Research Institute, three in 10 American workers claim they worry about personal finance at their workplace. Even worse, over 50 percent of those workers believe that time spent fretting about money is making them less productive for their employers.</p> <p>If you belong to this group of workers, then you would regain peace of mind at work with an emergency fund. By knowing that you could cover your necessities for three to six months if you were to lose your job, you would be able to focus on performing better and increasing your chance of a raise.</p> <h2>3. Average credit card APR is on the rise</h2> <p>What do you do when you don't have money to cover surprise expenses, such as the water heater breaking or the car going on the fritz? Most people without an emergency fund turn to a credit card.</p> <p>Well, here is some bad news: A CreditCards.com survey found that the average credit card APR had reached a record 15.89 percent as of June 14, 2017. If your credit score is less than perfect, you can expect to pay an interest rate even higher than that average.</p> <p>Remember, the whole point of having an emergency fund is to lower your financial risk. By using a credit card as an emergency fund, you're only adding risk to your personal finances.</p> <h2>4. Opportunity only comes around so often</h2> <p>Many people think of an emergency fund as a &quot;rainy day fund.&quot; However, others think of it as an &quot;opportunity fund&quot; &mdash; a way to never miss out on a great opportunity for want of cash. And while an emergency fund should never be thought of as play money, if you have enough saved, you can use some of that cash to fund a special opportunity that may not come again. (See also: <a href="http://www.wisebread.com/why-opportunity-funds-are-the-new-emergency-funds?ref=seealso" target="_blank">Why &quot;Opportunity&quot; Funds Are the New Emergency Funds</a>)</p> <p>Here are some examples:</p> <ul> <li> <p>You have the chance to refinance your mortgage to a lower rate (and lower your monthly payment!), but you don't have any savings to cover the necessary $2,000 to $3,000 closing costs. Luckily, there's enough in your emergency fund to help you go through with the refi.</p> </li> <li> <p>You've had a lifelong dream of taking a two-week trip around Europe, but the tour company that you like is a little out of your price range. They offer a limited-time discount, and you pull some money from your emergency fund to take that trip of a lifetime.</p> </li> <li> <p>The refrigerator that you've had since college has been jacking up your electricity bill for years. You discover that you could slash your monthly bill by 40 percent <em>and </em>get an energy rebate from the state government if you were to buy a more energy-efficient model. You don't have the money upfront, and the rebate expires next month &hellip; but there's enough in your emergency fund.</p> </li> </ul> <p>The list goes on. An emergency fund is usually a building block to achieve financial security, but it could also allow you to gain financial freedom. Once you gain the discipline to save enough to cover your necessities in case of an emergency, you may be able to continue to save in case of a seizable opportunity &mdash; or even a lifelong dream.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F4-new-reasons-you-need-an-emergency-fund&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F4%2520New%2520Reasons%2520You%2520Need%2520an%2520Emergency%2520Fund.jpg&amp;description=4%20New%20Reasons%20You%20Need%20an%20Emergency%20Fund"></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%20New%20Reasons%20You%20Need%20an%20Emergency%20Fund.jpg" alt="4 New Reasons You Need an Emergency Fund" 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/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/4-new-reasons-you-need-an-emergency-fund">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/how-to-find-the-savings-strategy-that-works-for-you">How to Find the Savings Strategy That Works For You</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/what-to-expect-after-these-5-personal-financial-disasters">What to Expect After These 5 Personal Financial Disasters</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-ways-you-can-cut-costs-right-before-you-retire-0">6 Ways You Can Cut Costs Right Before You Retire</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/dont-start-a-family-before-reaching-these-5-money-goals">Don&#039;t Start a Family Before Reaching These 5 Money Goals</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-places-to-check-out-medical-care-for-the-uninsured">5 Places to Check out Medical Care for the Uninsured</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance APR emergency fund expenses health care interest rates job loss opportunity fund rainy day fund saving money stress surprises Thu, 29 Jun 2017 08:00:10 +0000 Damian Davila 1973594 at http://www.wisebread.com 9 Signs Your Work-Life Balance Is Off http://www.wisebread.com/9-signs-your-work-life-balance-is-off <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-signs-your-work-life-balance-is-off" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-529066538.jpg" alt="Woman realizing her work-life balance is off" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For many Americans, the daily 9-to-5 is just a dream. The U.S. is renowned for having the longest work hours in the industrialized world, and our hours are only getting longer. Family, friends, personal pursuits, and general relaxation are all sacrificed.</p> <p>Too often, it's by choice. While extra toil may seem like the best way to advance your career, numerous studies &mdash; summarized in the Harvard Business Review &mdash; have shown that <a href="https://hbr.org/2015/08/the-research-is-clear-long-hours-backfire-for-people-and-for-companies" target="_blank">overworking can backfire</a> by damaging your health and <em>reducing </em>your productivity at work. One study in particular by HBR and the Boston Consulting Group found that forcing consultants to take time off at predictable periods (such as nights and weekends) improved their efficiency and effectiveness.</p> <p>Are you part of the growing, and disturbing, trend of self-sabotage through overwork? Read on, and see how many of these red flags you check off. It's possible your work-life balance is completely out of alignment.</p> <h2>1. You're working way too many hours</h2> <p>Let's start with the simplest red flag. The typical workweek is 40 hours. Some days you may work a little more, some a little less &mdash; but it should even out to around 40 hours overall. You may not have a time sheet to fill out, but you should still have a general idea of how many hours you're putting in.</p> <p>If it's consistently more than 50 per week, you are working too much. Any more than 60&ndash;70 hours a week, and you pretty much have no life outside of the office. This kind of stress can affect your health in many negative ways, including increasing your risk of <a href="https://www.ncbi.nlm.nih.gov/pubmed/22952309" target="_blank">heart problems</a>, <a href="http://www.thelancet.com/journals/landia/article/PIIS2213-8587%2814%2970178-0/abstract" target="_blank">type 2 diabetes</a>, and <a href="https://www.newscientist.com/article/dn26793-long-hours-make-people-more-likely-to-drink-heavily/#.VSLlF5N4r6c" target="_blank">substance abuse</a>.</p> <p>Even if you work from home, you need to delineate your time. If you have a home office, make it off limits after certain hours. If it's a laptop or computer in the corner of a room, shut it down. If you are working overtime for extra money, only do it for short periods of time.</p> <h2>2. Falling asleep (or barely staying awake) at work</h2> <p>If you're routinely having trouble staying awake on the job, you are probably putting in too many hours. It's not unusual for some professions to demand an excess of 40 hours per week. In advertising, for example, it's considered the norm to work 60 or 70 hours, which burns many people out. This burnout is not only dangerous &mdash; it's deadly. You risk having a stroke, severe anxiety, depression, and if you work more than 80 hours per week, your <a href="http://www.wiley.com/WileyCDA/PressRelease/pressReleaseId-112164.html" target="_blank">risk of major heart disease</a> increases by 94 percent!</p> <p>If you're sleeping at your desk, getting in early, staying late, and drinking eight cups of coffee to get through the day, you are working way too much. Slow down. (See also: <a href="http://www.wisebread.com/13-hacks-to-avoid-burnout-at-work?ref=seealso" target="_blank">13 Hacks to Avoid Burnout at Work</a>)</p> <h2>3. You have no social life</h2> <p>Think back over the last few months. How many times did you cancel plans because your job took priority? How often did you turn down invitations to parties or get-togethers because &quot;something came up at work?&quot; Did you have to sell your tickets to a concert, or back out of a weekend trip, because the boss needed you to come in?</p> <p>These are all signs that your work-life balance is completely messed up. It's OK to work late once in awhile. Sometimes, it's unavoidable. But if your social life always takes a back seat to your career, you will suffer. And so will your work. You need down time. Take it.</p> <h2>4. Work is always on your mind</h2> <p>You muse about it at the dinner table. You think about it in bed. You lose track of the conversation because you're worried about the project you're working on. When the only thing on your mind is work, you have a serious problem.</p> <p>At work, it's great to be this focused. At home, your focus should be your family, your friends, your hobbies, and other nonwork pursuits. Thinking about the job all the time will take its toll on your mental health, and you'll eventually burn out.</p> <p>If you find yourself unable to switch off, it may be time to seek help from an occupational therapist. They will teach you coping skills that allow you to turn off the &quot;work brain&quot; and come back to reality.</p> <h2>5. You are constantly checking work emails</h2> <p>These days, we carry smartphones that put the office in our pockets. You can open emails in the checkout line at the grocery store, at the ballgame, or even on a date. And if you're doing any of those on a regular occasion, your job is taking over your life.</p> <p>You need to put hard restraints on your private time. You should not be expected to check emails all hours of the day and night. Some people even get woken up in the middle of the night by emails from an overzealous boss or coworker. Set limits. Refuse to answer emails after a certain time. It's as simple as that.</p> <h2>6. You never take a vacation or sick day</h2> <p>Americans aren't using their vacation days. As of 2015, workers only took an average of <a href="http://www.projecttimeoff.com/research/state-american-vacation-2016" target="_blank">16.2 days of vacation</a> per year &mdash; almost a week less than the average between 1978 and 2000 &mdash; and 55 percent left days unused. That's a lot of wasted opportunities for a healthier work-life balance.</p> <p>Vacation days are important. Sick days are important. Refusing to use either of them is going to have serious repercussions on your wellbeing. Even if you think you're completely fine, but haven't taken a vacation in years, you may be ready to burn out. Sadly, by the time it happens, it can take months to put right. Sick days are vital for when you are genuinely sick. Not only will showing up to work prolong your illness, but you'll also spread it to other people in the office.</p> <p>Your work suffers when you're sick, too. This is why companies want you to use your sick days when you are ill. Dedication is one thing, but letting your health suffer isn't helping you or your employer.</p> <h2>7. You crack under the slightest pressure</h2> <p>You find yourself having far less patience these days. You shout and become frazzled at the smallest provocation. You apologize often for outbursts that never should have happened. You are almost certainly showing signs of a work-life balance that is very unhealthy.</p> <p>When we have our work-life balance right, we can more easily handle problems that arise. We don't crack, and we don't fly off the handle. But the more we work, and the less time we have to relax, the quicker our patience reserves go into the red. If you're breaking easily, you need to re-evaluate the time you're spending at work.</p> <h2>8. You constantly think about quitting</h2> <p>They say that if you do something you love, you'll never work a day in your life. Most people don't have that luxury. It's a job, it pays the bills, it provides health insurance, and it serves its purpose.</p> <p>But if the job starts consuming your life, and all you can think about is quitting, then your work-life balance is way off. Yes, it may also be because the job itself is not pleasant, but when the bad job becomes the bane of your existence, it tips the scales. (See also: <a href="http://www.wisebread.com/8-signs-you-should-quit-your-job?ref=seealso" target="_blank">8 Signs You Should Quit Your Job</a>)</p> <h2>9. Your personal space is a mess</h2> <p>No time to clean. No time to organize. No time to do anything other than work &mdash; and boy, does it show. It usually starts with your desk at the office, and then it spreads. Before you know it, your home is just the place you sleep and shower. Your space is an utter mess, and you ignore it all.</p> <p>Why? Because you're never there long enough to care. And when you are home, you're exhausted. Take a look around you, right now &mdash; has your personal space gotten out of hand? Is everything a mess? Then it's time to take a much-needed break.</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/9-signs-your-work-life-balance-is-off">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/13-hacks-to-avoid-burnout-at-work">13 Hacks to Avoid Burnout at Work</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-reasons-you-shouldnt-vacation-shame-your-coworkers">7 Reasons You Shouldn&#039;t &quot;Vacation Shame&quot; Your Coworkers</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/your-stressful-job-may-be-making-you-healthier">Your Stressful Job May Be… Making You Healthier?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-jobs-you-may-not-have-considered-but-should">9 Jobs You May Not Have Considered (But Should)</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/whats-an-employee-to-do-part-1">What&#039;s an employee to do? Part 1</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income burnout employment exhaustion overworked personal time stress work life balance working Tue, 16 May 2017 08:00:09 +0000 Paul Michael 1947497 at http://www.wisebread.com 5 Reasons Being a Millionaire Is Overrated http://www.wisebread.com/5-reasons-being-a-millionaire-is-overrated <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-reasons-being-a-millionaire-is-overrated" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-515230158.jpg" alt="Woman learning why being a millionaire is overrated" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>All told, 10.4 million households in the U.S. have $1 million or more in investable assets, according to a 2017 study by investor research firm Spectrem Group. Sounds pretty nice, doesn't it?</p> <p>You may want to reconsider those feelings of envy. Does the money really make life any more enjoyable? As Bill Gates once said, &quot;A hamburger is still a hamburger, millions in your pocket or not.&quot; Read on for our roundup of reasons why you should feel perfectly content to live on Main Street.</p> <h2>1. Happiness can be bought &mdash; but most rich people aren't doing it right</h2> <p>Do you have enough money to eat, pay for health care, and make the rent? If so, you're off to a good start. Research shows that as long as <a href="https://scholar.harvard.edu/files/danielgilbert/files/if-money-doesnt-make-you-happy.nov-12-20101.pdf" target="_blank">your basic needs are met</a>, you've got as much of a shot at living a joyful life as anybody else.</p> <p>In fact, the relationship between money and happiness is surprisingly weak. A positive experience, such as working hard to attain a goal or falling in love, will make you happier than a new Porsche. Over time, the Porsche will rust, dent, and age. The car simply won't be as thrilling to drive as it was when you first bought it. But the memory of a first love or receiving a reward for your hard work won't as quickly deteriorate.</p> <p>Indeed, money can be used to have more of the positive experiences that make us happy. But research shows that people who are well-to-do don't often spend their money this way.</p> <h2>2. Small delights bring more joy than big, expensive ones</h2> <p>A series of small, frequent treats &mdash; a pedicure, a day at the beach, a box of chocolate-covered strawberries &mdash; is more fulfilling than a big, blowout, annual gift to yourself. In this way, even millionaires are limited by their funds. If a millionaire wants their fortune to last, they can't spend it all at once. And if the goal is happiness, money should be spent in a way that brings constant delight, even if those delights come in smaller packages.</p> <p>Remember: Eating an entire, 12-slice cake in one sitting is not 12 times more pleasurable than eating one slice at a time. Similarly, most <a href="http://faculty.chicagobooth.edu/richard.thaler/research/pdf/Gambling%20with%20the%20House%20Money%20and%20Trying%20to%20Break%20Even%20The%20Effects%20of%20Prior%20Outcomes%20in%20Risky%20Choice.pdf" target="_blank">people who play the lottery</a> would prefer to win a $50 ticket and then another $75 ticket at a later date, rather than win a one-time lump sum of $125. So, even if you can afford to treat yourself to one big present, you'd be wiser &mdash; and happier &mdash; to gift yourself a series of small ones instead.</p> <h2>3. Anticipation promotes happiness</h2> <p>If you're rich enough to buy yourself every new gadget the moment it hits the market, you're robbing yourself of anticipation &mdash; that feeling of yearning and desire which delivers a more intense feeling of happiness when we finally attain the thing from which we've been deprived.</p> <p>The pleasure that arises from immediate consumption simply doesn't match the staying power of the happiness we feel when we get something we've been yearning for. Here's an example from researchers who study happiness: People often derive the most joy from talking about and <a href="https://www.nytimes.com/2014/05/11/travel/what-a-great-trip-and-im-not-even-there-yet.html?_r=0" target="_blank">looking forward to a vacation</a> than the actual experience of the vacation itself.</p> <h2>4. A fancy vacation might sound like bliss, but it can often bring problems</h2> <p>The Notorious B.I.G. said it best: Mo' money, mo' problems. Here's another way to think about it: People buy big ticket items expecting one thing, but often they get something else. Let's take a yacht, for example. Warm sun, deep ocean swims, navigating through foreign seas &mdash; what could be bad about owning a 200-foot yacht?</p> <p>Well, what about the huge, hidden price tags &mdash; such as the cost of storage and maintenance? What about mosquito bites, and stormy seas, and engine glitches, and that fear of sharks you never knew you had until you bought the darn thing?</p> <p>Consider how it might feel to have a yacht on which to sail around the world, but you can't find a willing companion to join you for the tour. Because, you know, some people have to work. But not you! You're rich and you've got a yacht &mdash; and now you have a whole new set of troubles to worry about. Happiness is in the details, but it's easy to get caught up in the illusion.</p> <h2>5. Rich people tend to spend more time working</h2> <p>Our happiness is largely determined by how we spend our time. As a person's income rises, they typically begin to devote more time to working, running errands, and shopping. These activities are known to drive stress and anxiety &mdash; not happiness.</p> <p>More than anything else, it's leisure time that breeds happiness. But, of course, it's a balance. If we're not working enough, we often find ourselves right back in the throes of stress and anxiety. &quot;Am I spending my time in a way that's worthwhile? What's the meaning of all this stuff?&quot; Striking a balance between work and play is important whether you're a millionaire or not.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/5-reasons-being-a-millionaire-is-overrated">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/this-is-how-americans-spent-their-money-in-the-1950s">This Is How Americans Spent Their Money in the 1950s</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-money-does-buy-happiness">9 Ways Money Does Buy Happiness</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-when-youre-rich-dream-buys-that-arent-that-great">5 &quot;When You&#039;re Rich&quot; Dream Buys That Aren&#039;t That Great</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-keep-your-kids-rich-friends-from-ruining-your-budget">How to Keep Your Kid&#039;s Rich Friends From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-cities-the-most-billionaires-call-home">The 5 Cities the Most Billionaires Call Home</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle enjoyment experiences happiness material things millionaires overrated rich shopping Spending Money stress wealthy Fri, 12 May 2017 09:00:10 +0000 Brittany Lyte 1943632 at http://www.wisebread.com 8 Stress Relief Items You Need in Your Life That Are Under $20 http://www.wisebread.com/8-stress-relief-items-you-need-in-your-life-that-are-under-20 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-stress-relief-items-you-need-in-your-life-that-are-under-20" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-618976344.jpg" alt="Woman buying stress relief items that are under $20" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>We all have to find ways to deal with daily stress, because if we don't, it will suck the life right out of us. Fortunately, there are several affordable items available that can help take the edge off a long day. These items can help you find calm during a stressful day and help you enjoy a more restful night, all without costing you more than $20!</p> <h2>1. Lavender everything</h2> <p>The scent of lavender takes us to a calm place in an instant. And luckily, you can find just about anything scented in lavender &mdash; from candles and skin care items to hot teas to air fresheners. You can also place a couple drops of <a href="http://amzn.to/2pXuaJ2" target="_blank">lavender oil</a> on your pillow case (from a bottle that'll cost you no more than $15), in your DIY home spray, or in an aromatherapy oil diffuser and enjoy the benefits of this calming scent.</p> <h2>2. Himalayan salt lamps</h2> <p><a href="http://amzn.to/2pV0LPj" target="_blank">Himalayan salt lamps</a> are said to emit negative ions that can fight anxiety-inducing positive ions, and only cost $15&ndash;$20, depending on the size you get. They are also very calming to look at and can help you reach a calmer mindset just by having them in the room.</p> <h2>3. Skin care items</h2> <p>Skin care items can help you enjoy a spalike experience from home, so you can still enjoy the relaxing benefits without having to break your budget at the spa. You can find anything in stress relieving varieties, including <a href="http://amzn.to/2qTFYt3" target="_blank">body wash</a>, body lotion, exfoliator, and <a href="http://amzn.to/2qTeNOY" target="_blank">bubble bath</a>. Look for lavender or eucalyptus scents, and you won't even spend more than $10-$15!</p> <h2>4. Stress balls</h2> <p><a href="http://amzn.to/2pZxNfv" target="_blank">Squishy stress balls</a> or <a href="http://amzn.to/2pV3eJr" target="_blank">Chinese stress balls</a> can give you something calming to squeeze to help relieve stress and lower your blood pressure. Plus, they are a great, cheap find at about $10. You can even make your own DIY stress ball.</p> <h2>5. Self-massagers</h2> <p><a href="http://amzn.to/2pXLKfQ" target="_blank">Foam rollers</a>, <a href="http://amzn.to/2pZswEB" target="_blank">acupressure mats</a>, <a href="http://amzn.to/2pXLU6W" target="_blank">head massagers</a>, and <a href="http://amzn.to/2qTfebV" target="_blank">back massagers</a> can help you relieve tension on specific body parts without you having to spend the money on regular appointment with a professional masseuse. They can stimulate pressure points to relieve pain and release endorphins &mdash; all while keeping your budget intact at $10&ndash;$20 per item.</p> <h2>6. Adult coloring books</h2> <p><a href="http://amzn.to/2qTotJp" target="_blank">Adult coloring books</a> can relieve stress by helping you focus on a monotonous, rewarding task. You put your energy into adding color to the beautiful drawing in front of you, and this allows you to shut out the negative thoughts and to-dos rattling around in your brain. Most coloring books will run you about $5&ndash;$10.</p> <h2>7. Journal</h2> <p>Keep a <a href="http://amzn.to/2pdRJhn" target="_blank">journal</a> with you at all times for a relaxing, rewarding experience &mdash; for only $10-$15. Jot down your thoughts to get a deeper understanding of your emotions. Journaling can also help you simplify your to-do list and organize your calendar to keep stress at bay. (See also: <a href="http://www.wisebread.com/7-ways-a-mindfulness-journal-can-fix-your-life?ref=seealso" target="_blank">7 Ways a Mindfulness Journal Can Fix Your Life</a>)</p> <h2>8. Sleep mask</h2> <p>When you're overtired, you are more susceptible to stress. But <a href="http://amzn.to/2pZwyNe" target="_blank">sleep masks</a> can help you enjoy a more restful night so you can wake up feeling more relaxed and ready to face the day ahead. They block all sources of light from interrupting your sleep cycle so you can get as much quality shut-eye as possible. Also, a quality sleep mask shouldn't cost you more than $15.</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/8-stress-relief-items-you-need-in-your-life-that-are-under-20">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-frizz-control-products">The 5 Best Frizz Control Products</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-hairsprays">The 5 Best Hairsprays</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-manicure-kits">The 5 Best Manicure Kits</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-moisturizers">The 5 Best Facial Moisturizers</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-detangling-combs">The 5 Best Detangling Combs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping beauty products relaxation self-care products self–care spa products stress stress relief Wed, 10 May 2017 08:30:07 +0000 Andrea Cannon 1942752 at http://www.wisebread.com What to Do When You're Sick of Your Side Gig http://www.wisebread.com/what-to-do-when-youre-sick-of-your-side-gig <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-to-do-when-youre-sick-of-your-side-gig" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-510231586.jpg" alt="Woman learning what to do when she&#039;s sick of her side gig" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>It seems like everyone these days is juggling more work than ever. On top of your full-time job, you may also run one or two <a href="http://www.wisebread.com/8-freelance-gigs-anyone-can-do-to-make-extra-money" target="_blank">side gigs</a>. And while that side hustle can bring in extra income to help pay down debt or boost your savings, managing multiple jobs can leave you feeling run down.</p> <p>If you rely on that extra income, decreasing stress is not as easy as just quitting your gig. There are other ways you can maintain your income while reducing your chances of burning out.</p> <h2>What Is Burnout?<strong> </strong></h2> <p>Burnout is a real condition, not just a buzzword. According to Psychology Today, burnout is a <a href="https://www.psychologytoday.com/blog/high-octane-women/201311/the-tell-tale-signs-burnout-do-you-have-them" target="_blank">state of chronic stress</a> that can cause mental and physical fatigue, feelings of detachment, and even depression.</p> <p>If you are experiencing burnout, you may feel tired all the time. Or, you may have chronic insomnia due to stress. Many people have trouble focusing or may have a compromised immune system. In some cases, burnout can make you physically ill, causing everything from gastrointestinal problems to headaches.</p> <p>Burnout does not occur all at once; it slowly builds over time. If you recognize a few mild symptoms, it's important to take action now, before it's too late. Use these techniques to regain balance in your life.</p> <h2>1. Ditch Some Lower-Paying Customers</h2> <p>While it may seem contrary to maintaining income, one of the best things you can do to manage burnout is to cease working with your lower-paying clients. Many side hustlers and freelancers have clients that simply don't pay very much, but keep them around because some income is better than none. But by spending time on these smaller clients, you're wasting valuable time you could be spending relaxing or pursuing bigger fish.</p> <h2>2. Pursue Only the Golden Geese</h2> <p>Similarly, if you are looking for new clients, focus only on the most lucrative prospects. For example, instead of sending out 10 pitches a day, send only one or two to big-name clients that can afford top rates. You'll land fewer jobs, but the ones you get will be far more profitable. That way, you can do less work while keeping the same cash flow.</p> <h2>3. Hire Some Help</h2> <p>If possible, hire some help. That can mean hiring someone to deliver groceries or baby-sit the kids. Or, it can mean hiring a <a href="http://www.wisebread.com/how-to-find-a-legit-virtual-assistant-job" target="_blank">virtual assistant</a> to help manage mundane tasks, such as invoicing or answering emails. Paying someone to help you a few hours a week can free you to focus on more profitable work and give you more downtime.</p> <h2>4. Set a Schedule<strong> </strong></h2> <p>When you juggle a full-time job with a side gig, it's easy to work around the clock. But working at all hours can lead to fatigue and stress. Instead, schedule yourself at least one full day a week with no work at all, to allow yourself to recharge. While you may be afraid to skip work for the day, you'll be surprised at how refreshed you are and how much it may help your productivity.</p> <h2>5. Take a Day Off (From Your Real Job)<strong> </strong></h2> <p>If you're feeling overwhelmed, taking a day off from your real job can be as refreshing as a full vacation. If you have paid time off, plan a long weekend and take a day to work solely on your side gig, while still giving yourself some time to relax. Doing this every few months can give you a much-needed break without damaging your income stream.</p> <p>Working a side gig can be a great way to earn extra income, but it can be difficult to manage your time and maintain your health. By using these tips, you can juggle both your jobs and keep your income streams flowing.</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/what-to-do-when-youre-sick-of-your-side-gig">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</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-i-make-800-on-month-on-ebay-selling-used-clothes">How I Make $800 on Month on eBay Selling Used Clothes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-earn-extra-money-with-your-car">7 Ways to Earn Extra Money With Your Car</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-ways-to-make-money-doing-household-chores">4 Ways to Make Money Doing Household Chores</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-surprising-ways-to-earn-money-online">7 Surprising Ways to Earn Money Online</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income burn out freelance income streams overworked side gig side hustle stress taking a break Mon, 13 Feb 2017 10:30:39 +0000 Kat Tretina 1888420 at http://www.wisebread.com 11 Simple Ways to Survive a Terrible Workday http://www.wisebread.com/11-cheap-easy-ways-to-survive-a-terrible-workday <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-cheap-easy-ways-to-survive-a-terrible-workday" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-511748904.jpg" alt="use these cheap ways to manage a bad day at work" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ugh. We've all had terrible, no good, very bad days at work. And they are the worst, if only because you can't just go home, crawl into bed, and wait for the whole thing to be over. Nope. When you have a bad day at work, you have to stay there. You have to keep going, keep being productive, keep moving forward. (See also: <a href="http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier?ref=seealso">Your Stressful Job May Be Making You...Healthier</a>)</p> <p>Since you have to stay, you might as well try to improve your day. Here are some easy, frugal ways to make things better.</p> <h2>1. Acknowledge Your Bad Mood</h2> <p>Whether or not your bad mood is justified, the first step toward improving your day is to admit what you are feeling. Name your emotion, so that it feels more manageable. Are you angry? Sad? Frustrated? Stressed? Embarrassed? Once you know what you're feeling, you can tell yourself that, no matter what, you can turn this day around.</p> <h2>2. Figure Out What's Bothering You</h2> <p>Sometimes it's easy to name a feeling. Other times, you may need to ponder it a bit more. When you are having a bad day because a client or your boss is upset, or a coworker won't cooperate, or things aren't coming together the way you need them to, it's easier to fix it if you know why you're upset. This will also help you reflect upon how the whole issue began, and if something could've been done differently.</p> <h2>3. Listen to an Upbeat Song</h2> <p>Most of us have &quot;mood music&quot; for whatever mood we happen to be in at any given time. When you're down, though, don't give into your desire to listen to your sad, depressing, angry music. Instead, choose something that makes you happy and play that.</p> <h2>4. Focus on Someone Else</h2> <p>Sometimes, the best way to get over a bad day is to do something nice for someone else, even if that other person happens to be driving you nuts. It doesn't have to be something big. Pick up a cup of coffee for your coworker when you go by the break room, or deliver those papers you find at the printer when you pick up yours. Even a little selfless act can help you feel better.</p> <h2>5. Choose Gratitude</h2> <p>You may not feel like you have much to be grateful for, but choose what you do have and focus on it for a minute or two. If you have to start with the clothes on your back, do it. Embracing gratitude can help you remember what is good in your life and turn around a bad day.</p> <h2>6. Find a Funny Video</h2> <p>Laughter makes lots of things better. So find a funny video &mdash; YouTube is free and has millions of them &mdash; and watch away. Letting the laughter roll out of you will cause your brain to release endorphins, which can help <a href="http://www.mayoclinic.org/healthy-lifestyle/stress-management/in-depth/stress-relief/art-20044456" target="_blank">lower your stress levels</a>. Of course, do this on your break time or lunch hour. The last thing you need on a bad day is a reprimand.</p> <h2>7. Embrace the Sun</h2> <p>Getting outside also helps your brain <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2290997/" target="_blank">release good chemicals</a>, thus improving your mood. In this case, being outdoors causes a rise in levels of the neurotransmitter serotonin, which is known to help us feel better and more positive. Even if you work in cubicle hell, you can take your breaks and lunch outside and reap this benefit.</p> <h2>8. Take a Deep Breath</h2> <p>Sometimes, all it takes to turn around a bad day is to stop, fill your lungs with air, and refocus. Taking time to breathe will help you focus on the present moment, which will aid you in slowing down the rushing outside world so you can see what is going on in your life and better deal with what is being thrown at you there. Plus, it's really good for your body.&nbsp;</p> <h2>9. Don't Just Sit There</h2> <p>If there's an action you need to take, even if you're dreading it, just do it. Put one foot in front of the other until the thing is done. Send that email, schedule the meeting with your boss, or start the report.</p> <p>And if you can't start the thing you're dreading, do something else. Taking concrete steps to get things done and make things better will make you feel more positive and confident, which will improve your mood and, also, the overall situation.</p> <h2>10. Walk It Off</h2> <p>If you can, take a short walk. Even 20 minutes can help you to feel stronger, happier, and more balanced about whatever is going on. You'll get some endorphins, and the mood boost from those can stick with you for up to 12 hours. And if you walk outside, you can combine these benefits with those that come from being outdoors.</p> <h2>11. Write Your Stress Away</h2> <p>Write down what is bothering you and how you feel about it. This can be as simple as a few sentences on the back of a receipt. This helps you release your feelings in a way that won't cause relational friction at work, because you never have to let anyone else see what you wrote. Writing also gives you a way to evaluate possible next steps, so you can make a decision that is most likely to turn your day around.</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/11-cheap-easy-ways-to-survive-a-terrible-workday">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress">10 Frugal Ways to Reduce Workplace Stress</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-you-are-more-than-your-job">3 Reasons You Are More Than Your Job</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-signs-your-work-life-balance-is-off">9 Signs Your Work-Life Balance Is Off</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-free-or-really-cheap-ways-to-relieve-stress">20 Free (or Really Cheap) Ways to Relieve Stress</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income frugal stress relievers office stress self-care stress stress relief work stress workday zen Thu, 12 Jan 2017 11:00:08 +0000 Sarah Winfrey 1872418 at http://www.wisebread.com 5 Ways to Keep Anxiety From Ruining Your Budget http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-to-keep-anxiety-from-ruining-your-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends_women_jogging_538947995.jpg" alt="Friends keeping anxiety from ruining their budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Life gets tough sometimes. When work is overwhelming, you are fighting with your parents, and the news seems to get grimmer every day, you might find yourself shopping your way into a better mood or pulling the covers over your head and ignoring all of your responsibilities.</p> <p>Stress, anxiety, and depression affect all of us at some time or another. And whether you are dealing with occasional and momentary periods of stress, or you are in the grips of a long-term and serious depressive episode, your mental state can often wreak havoc on your finances. It's not easy to protect your budget from your anxiety's destructive impulses, but the following types of self-care will not only help you to feel better when stress strikes, but they will also protect your bottom line.</p> <h2>1. Recruit an Accountability Partner</h2> <p>Accountability partners are an important strategy for improving your finances. Not only does having a partner motivate you to stay on the straight-and-narrow while you pay down debt or increase your savings, but working with someone else can offer you encouragement when you are feeling down and add some fun to a long process.</p> <p>All of these benefits are also crucial if you are trying to keep your budget looking healthy while you're dealing with stress, anxiety, or depression. In the case of trying to keep your mental state from hurting your finances, your accountability partner may act a little bit more like a sponsor from a 12-step program. You can call that person when you are overwhelmed and count on her to remind you of why a shopping binge will not actually help you feel better.</p> <p>Obviously, you and your accountability partner need to be able to offer each other the emotional support you both need. In times of widespread anxiety, it can be a little more difficult to find a partner when everyone is feeling overwhelmed. However, leaning on each other is often a great way for two friends to both feel better and make the best financial choices for themselves.</p> <h2>2. Meditate</h2> <p>Mindfulness meditation has been proven to <a href="http://www.npr.org/sections/health-shots/2014/01/07/260470831/mindfulness-meditation-can-help-relieve-anxiety-and-depression">alleviate the symptoms</a> of both anxiety and depression. The focus of such meditation is to train your brain to remain in the moment, rather than obsess over the past or worry about the future. Such mindfulness will not only help you to put worries in perspective, but it can also help you to recognize the link between your emotions and your financially-destructive behavior.</p> <p>For instance, let's say that after a day of bingeing on news online, you badly want to put a lavish vacation on credit, just so you have something to look forward to. If you take 10 minutes to meditate instead, it can help you to see that your anxiety will not be helped by a vacation you can't afford. It will also allow you to feel your anxiety, rather than push it away, which is a much more productive method of getting past the negative feelings.</p> <p>If you have never meditated before, there are many <a href="http://www.nytimes.com/well/guides/how-to-meditate">beginner's guides</a> out there to teach you the practice of mindfulness.</p> <h2>3. Go for a Run</h2> <p>Exercise is the closest thing we have to a no-fail antidepressant. Research has shown that people are <a href="https://today.duke.edu/2000/09/exercise922.html">happier after breaking a sweat</a> than they were beforehand, even if they had to force themselves to go to the gym.</p> <p>In addition, an exercise habit can help you to avoid budget-destroying habits you might otherwise engage in, like retail therapy or a weekend-long Netflix marathon that keeps you from taking care of your grocery shopping and laundry.</p> <p>Of course, when you are in the midst of a deep funk, the idea of lacing up your sneakers and going out for a life-affirming run sounds about as enticing as getting a root canal. This is another place where your accountability partner can help you do what's best for you both. Set up a regular date to exercise together, and you will both get to enjoy the endorphins and the good company.</p> <h2>4. Volunteer</h2> <p>Depression, anxiety, and stress are often side effects of feeling helpless. When it feels as if you have little power over your circumstances, it's easy to retreat into bad and expensive habits to help yourself feel better.</p> <p>But there is always meaningful work that we can do to improve lives &mdash; even if we can't improve our own. That is why volunteering for a cause you believe in can be such an important tool in improving your outlook on the world. According to a 2008 study by the London School of Economics, people who volunteer <a href="https://www.ncbi.nlm.nih.gov/pubmed/18321629">experience greater happiness</a> than those who do not.</p> <p>The researchers theorize that volunteering makes you happier because it helps to put your situation in perspective. In addition, volunteering your time helps alleviate depression because it allows you to feel like you are a part of something important that is doing good in the world.</p> <h2>5. Engage in Productive Self-Care</h2> <p>Sometimes things feel so bleak that you really do need to retreat and take care of yourself. There is nothing wrong an occasional &quot;Stop the world, I want to get off!&quot; day for yourself. But there can be a fine line between healthy and productive self-care, and self-destructive wallowing. For instance, buying a bottle of nail polish might make you feel good, which could prompt you to keep buying to keep that good feeling going. Instead, you might be better served by inviting a friend over to paint your nails together.</p> <p>To make sure your self-care is helpful rather than harmful, start with your needs. Ask yourself what needs are not being met right now, and listen carefully to the answer that bubbles to the surface. Wallowing is often a passive reaction, whereas productive self-care is when you engage in fulfilling your unmet needs. Taking the time to think through what you need may help you realize that you don't actually want to go out drinking, but instead you need to talk with a good friend.</p> <h2>Don't Let Depression, Anxiety, and Stress Hurt Your Finances</h2> <p>When your thoughts get stuck in a hamster wheel of anxiety or depression, the easy method of handling your distress can often cause you financial stress. Being intentional and mindful about how you handle your negative mental states can help to alleviate your feelings of helplessness and keep your finances healthy.</p> <p>If you are experiencing severe depression and/or suicidal thoughts, please contact the National Suicide Prevention Lifeline at 1-800-273-8255.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments">7 Ways to Stay Calm in Stressful Moments</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-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-prevent-the-winter-blues-from-busting-your-budget">5 Ways to Prevent the Winter Blues from Busting Your Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty Lifestyle anxiety bingeing budgeting depression exercise Help mental health overspending self care stress volunteering Tue, 06 Dec 2016 11:00:09 +0000 Emily Guy Birken 1843967 at http://www.wisebread.com Flashback Friday: 38 Ways to Get More Sleep Tonight http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-38-ways-to-get-more-sleep-tonight" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sleeping-587523170.jpg" alt="Woman finding ways to get more sleep tonight" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting a good night's sleep on a consistent basis will protect your physical health as much it'll protect your mental health. The problem is that with our super busy lives, sleep is always the first thing to suffer. It's time to stop making sleep an afterthought. Because it's so easy to regulate your sleep schedule with the right tools and strategies. Here are 38 ways to get more sleep tonight.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman-sleeping-460137233-small.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-ways-to-get-prettier-smarter-and-healthier-while-you-sleep?ref=fbf">6 Ways to Get Prettier, Smarter, and Healthier While You Sleep</a> &mdash; Wait, you mean you can improve your overall beauty, intelligence, and health while you sleep? Sold! These tricks will help you make it happen without breaking the bank.</p> <p><a href="http://www.wisebread.com/11-smart-ways-to-get-some-sleep-at-the-airport?ref=fbf">11 Smart Ways to Get Some Sleep at the Airport</a> &mdash; With the holidays coming up, many of us will have to resort to catching a few z's at the airport. It's not ideal, but also not impossible. Here's how to score a restful night of snoozing at the gate.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/man_tired_work_000075631055.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/3-ways-good-sleep-makes-you-wealthier?ref=fbf">3 Ways Good Sleep Makes You Wealthier</a> &mdash; In order to increase your overall wealth and achieve your financial goals, you need to be focused, patient, and driven. And it's very difficult to feel any of these things when you're running on a few hours of sleep and completely exhausted.</p> <p><a href="http://www.wisebread.com/7-ways-to-boost-your-finances-while-you-sleep?ref=fbf">7 Ways to Boost Your Finances While You Sleep</a> &mdash; Didn't think you could make extra cash while fast asleep, eh? Wrong! Here are seven ways to make your money work for you, so you can hit the hay.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sleep-177703194.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/get-better-sleep-with-these-5-great-sleep-tracking-apps?ref=fbf">Get Better Sleep With These 5 Great Sleep-Tracking Apps</a> &mdash; It's easier to focus on getting more sleep when you have apps that track your sleep patterns and tell you how you can improve. Knowledge is power, after all.</p> <p><a href="http://www.wisebread.com/6-foods-scientifically-proven-to-help-you-sleep?ref=fbf">6 Foods Scientifically Proven to Help You Sleep</a> &mdash; Eat more to get more sleep? Uh, yes please. Have any of these as a snack and you could sleep more soundly tonight.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty anxiety fbf flashback friday frugal living Health mental health more sleep relaxation rest self-care sleep stress Fri, 18 Nov 2016 11:00:14 +0000 Chrissa Hardy 1835392 at http://www.wisebread.com Flashback Friday: 84 Frugal Ways to Eliminate Stress http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-84-frugal-ways-to-eliminate-stress" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_meditating_grass_67536037.jpg" alt="Woman finding frugal ways to eliminate stress" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's no secret a lot of us are feeling extra stressed right now. The most important thing we can do in times of extreme stress is to practice self-care, and do what we can to eliminate the sources of stress and anxiety in our lives. Here are 84 frugal ways to lighten the load.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_meditating_work_000078035075.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress?ref=fbf">10 Frugal Ways to Reduce Workplace Stress</a> &mdash; Stress at work is probably the most common source of stress there is. And in those moments of stress at work, there are things you can do to take a step back and find that inner zen. Give these a try.</p> <p><a href="http://www.wisebread.com/13-cheap-ways-to-beat-stress?ref=fbf">13 Cheap Ways to Beat Stress</a> &mdash; The cure for stress isn't always an expensive massage or costly therapy sessions. There are frugal things you can do to combat the stress monster, and your wallet will appreciate that!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/father_son_fishing_70352103.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes?ref=fbf">Beat Stress With These 28 Inexpensive Pastimes</a> &mdash; Some of the most enjoyable and effective stress busters are the activities we've done since childhood. Go for a bike ride, take a moment to write, take an online class, or do a puzzle. There are so many, and all will make you feel better.</p> <p><a href="http://www.wisebread.com/turn-your-home-into-a-spa-with-these-5-frugal-stress-relievers?ref=fbf">Turn Your Home Into a Spa With These 5 Frugal Stress Relievers</a> &mdash; When you can't change your circumstances, you can change your environment. Give your home a soothing, spa-like feel and you'll instantly feel more relaxed.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_73912007_LARGE.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money?ref=fbf">8 Ways to Turn Your Stress Into Money</a> &mdash; Another way to battle that stress is to turn it into cash. Because when you're more financially comfortable, your stress instantly decreases. Money doesn't buy happiness, but it can reverse your stress.</p> <p><a href="http://www.wisebread.com/20-free-or-really-cheap-ways-to-relieve-stress?ref=fbf">20 Free (or Really Cheap) Ways to Relieve Stress</a> &mdash; Meditation, taking your dog for a walk, and rearranging your furniture are just a few ways to eliminate the stress in your life. And when you can do it for free, or very little money, why not try?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty anxiety fbf flashback friday frugal living Health meditation mental health relaxation self-care stress zen Fri, 11 Nov 2016 10:00:15 +0000 Chrissa Hardy 1830896 at http://www.wisebread.com Your Stressful Job May Be… Making You Healthier? http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/your-stressful-job-may-be-making-you-healthier" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_stressed_work_85247123.jpg" alt="Woman learning her stressful job might be making her healthier" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Yes, stress has a negative effect on our health. It can raise our blood pressure, increase the risk of heart disease, and contribute to obesity and other illnesses. And that may seem like reason enough to quit your high-pressure job, but before you throw in the towel and dust off your resume, there's something you should know about job-related stress.</p> <p>As much as you'd like to banish all that frustration from your life, consider that your constant 9-to-5 headache may be making you healthier. Yep, you read that correctly. Recent research found that a moderate amount of everyday stress has a surprising positive effect on the brain and body. Now, this doesn't mean you should run out and get the most stressful job you can find, or stay in occupations that push you over the edge. There's good stress and there's bad stress, and it's important to understand how each affects the human body. Chronic stress, which lasts for weeks or months, is bad stress, and can trigger long-term problems. But considering that our bodies are wired to react to stress, the everyday pressures you deal with at work aren't necessarily a bad thing. Here's why. (See also: <a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money?ref=seealso">8 Ways to Turn Your Stress Into Money</a>)</p> <h2>1. It Improves Brainpower</h2> <p>Whether you're facing tight deadlines or preparing for an upcoming meeting with a difficult client, these types of situations can increase your stress level and send you into panic mode. Every job has its fair share of pressure, and at times it can feel as if you have too much on your plate. These aren't the most favorable circumstances, but the upside is that manageable amounts of stress can improve your brainpower. This not only helps you perform better on the job, it also boosts cognitive function over time.</p> <p>The reason is that moderate stress encourages the production of neurotrophins, a type a brain chemical that supports the growth and survival of nerve cells. So while chronic stress slowly damages brain structure, research shows that short-term stress has the opposite effect and stimulates the growth of new brain cells. A study discovered that<a href="http://greatergood.berkeley.edu/article/item/the_surprising_benefits_of_stress">exposure to short-lived stress</a> triggered the development of new nerve cells in the brains of laboratory rats. After two weeks, the lab rats had improved mental performance. Researchers concluded that controlled, manageable stress on the job prompts a similar reaction in humans, improving our memory, concentration, and alertness.</p> <h2>2. It Boosts Your Immune System</h2> <p>Some people who battle ongoing stress notice a difference in their health because too much stress can suppress the immune system. This makes us more susceptible to illness and infections. But with regard to short-term stressors &mdash; such as those you might experience at work &mdash; these types of demands have the potential to reinforce or strengthen protective chemicals in your body, which can give your immune system a pick-me-up.</p> <p>High-tense situations set in motion a fight-or-flight response, which is a physiological reaction to a perceived threat. This is an inborn response that prepares your body to fight or flee impending danger. Your heart rate increases, your body releases adrenaline and extra sugar for energy, and you react more instinctively. According to a study by the Stanford University School of Medicine, the <a href="https://med.stanford.edu/news/all-news/2012/06/study-explains-how-stress-can-boost-immune-system.html">fight-or-flight response activated by short-term stress</a> not only jump-starts a spontaneous reaction from your body's resources, it also promotes stronger immune function, which makes it easier for your body to ward off and fight infections.</p> <h2>3. It Lowers Your Risk of Prolonged Stress</h2> <p>Short-term stress also increases resiliency and teaches you how to confront and tackle everyday pressures and demands. The first time you come up against a particular situation, you might crumble or think you don't have strength to handle the hurdle. But the more you face the problem and overcome the stressor, the easier it is to cope in the future.</p> <p>If you toughen up and develop positive strategies to manage your time and emotions, you're less likely to suffer from chronic stress. As a result, you decrease the risk of health problems triggered by prolonged stress, such as heart disease, cancer, and infections.</p> <h2>4. It Might Help You Live Longer</h2> <p>Do you want to live longer? Your stressful job might be the secret weapon. A study conducted by the Indiana University found that &quot;employees in stressful positions were a third <a href="http://time.com/money/4536431/stressful-job-health/">less likely to die than those with less strenuous jobs</a>.&quot; These findings might have you scratching your head, especially since we already know the negative consequences of stress, but the study also revealed that those in stressful positions who lived longer were also in control of their workflow.</p> <p>The study, which took place between 2004 and 2011 and included thousands of workers, concluded that participants who enjoyed greater flexibility in their stressful jobs were 34% less likely to have died than participants in high-pressure jobs who enjoyed little freedom. One theory is that participants with less control in their high pressure jobs were more likely to adopt unhealthy habits as a way to cope with their circumstances. These habits included overeating (which leads to obesity, high blood pressure, diabetes, and heart problems), and smoking, which increased the risk of cancer and other health problems.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/3-reasons-you-are-more-than-your-job">3 Reasons You Are More Than Your Job</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-important-reasons-to-always-call-in-sick-when-youre-sick">8 Important Reasons to Always Call In Sick When You&#039;re Sick</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress">10 Frugal Ways to Reduce Workplace Stress</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Health and Beauty anxiety depression frustration Health stress stressful job work work life balance Thu, 10 Nov 2016 10:00:07 +0000 Mikey Rox 1830273 at http://www.wisebread.com 6 Ways Meditation Can Make You a Money Master http://www.wisebread.com/6-ways-meditation-can-make-you-a-money-master <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-meditation-can-make-you-a-money-master" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_meditate_work_67249941.jpg" alt="Woman becoming money master through meditation" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Could you save and earn more money simply by learning to be calmer and more mindful?</p> <p>Regular meditation is known to have a variety of potential health benefits. But it could play a big role in boosting your finances, due to its emphasis on self-control, patience, and minimalism.</p> <p>If you're looking to get your financial house in order, consider taking up a regular meditation practice and see if it helps. Here are some ways it might make a difference.</p> <h2>1. You'll Learn to Wait Things Out When Investing</h2> <p>When investing for retirement, it's best to take a very long-term approach. This means not concerning yourself with the everyday movements of the markets, and remaining patient even during volatile times. Meditation can help you focus on your goals, rather than make investment decisions based on emotion or a single, nonrecurring event.</p> <h2>2. You'll Be Mindful About Spending</h2> <p>How many times have you put something in the grocery cart without checking the price or even thinking about whether you truly need the item? When you practice mindfulness, you'll take the time to consider each act, and will be able to stop yourself before making an unnecessary purchase.</p> <p>Meditation could also make you less vulnerable to marketing. Rick Heller, an author who leads weekly meditations at Harvard, writes that, &quot;Unless we learn to be mindful, we'll be <a href="http://thehumanist.com/magazine/july-august-2011/features/slowing-down-the-consumer-treadmill">at the mercy of advertisers</a> who crank up the consumer treadmill to run faster and faster.&quot;</p> <h2>3. You'll Learn to Live With Less</h2> <p>One of the key goals of meditation is to free yourself from attachment to material goods. When you practice mindfulness, you are living &quot;in the moment&quot; rather than concerning yourself with wants or needs. There are many people who use mindfulness and meditation as part of their &quot;minimalist&quot; approach to living with few material possessions. Writers Joshua Fields Millburn and Ryan Nicodemus, who call themselves &quot;The Minimalists,&quot; argue that &quot;we tend to give too much meaning to our things, often forsaking our health, our relationships, our passions, our personal growth, and our desire to contribute beyond ourselves.&quot;</p> <h2>4. You'll Be Less Impulsive</h2> <p>Perhaps you once booked a trip to the Bahamas on the spot because of an overwhelming urge to get away. Or maybe you bought a new car from the first dealer you met simply because you got tired of taking your old car in for repairs. Meditation can help you learn to think through your decision making, rather than acting on impulse. And that, in turn, can save you money by staving off unnecessary on-the-fly purchases.</p> <h2>5. You Won't Shop or Eat to Reduce Stress</h2> <p>For many of us, spending money can be a stress reliever. We like the rush of endorphins when we find a new electronic gizmo, vintage comic book, or pair of shoes. We treat ourselves to a dinner out because we've had a tough week. Through meditation, we can train ourselves to find deeper joy through other means and become less dependent on these small &mdash; and short-lived &mdash; rushes of pleasure.</p> <h2>6. You Won't Panic When Things Go Wrong</h2> <p>There will be times when your finances will take a hit for one reason or another. Maybe you're facing a job loss, or a big medical bill. Perhaps your car broke down and is in need of expensive repairs. When events like these happen, it's always important to avoid making the problem worse.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/6-ways-meditation-can-make-you-a-money-master">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/15-personal-finance-rules-you-should-be-breaking">15 Personal Finance Rules You Should Be Breaking</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/book-review-spend-til-the-end">Book review: Spend &#039;til The End</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-reasons-to-cut-millennials-some-slack-about-their-money">10 Reasons to Cut Millennials Some Slack About Their Money</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-financial-differences-between-millennials-and-the-next-generation">7 Financial Differences Between Millennials and the Next 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/are-your-emotions-costing-you-money-take-this-quiz">Are Your Emotions Costing You Money? Take This Quiz</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle impulse buys investing living with less meditation mindfulness saving spending stress Mon, 26 Sep 2016 09:00:07 +0000 Tim Lemke 1798864 at http://www.wisebread.com