Even with Punxsutawney Phil’s recent declaration that spring is coming early this year, many
feel that this is still not soon enough.
As the excitement of the holidays and the seasonal changes wane, so does our mood. Even for us Floridians, the once welcoming milder temperatures have now become too low and the shorter days too short.
As February progresses, many of us find ourselves lethargic, anxious and moody, cocooning with sweet and high-carb fare, and counting the days until we can begin complaining about how hot it is again.
Does this sound familiar?
If you’re beginning to feel the winter blues, here are a few tips to help brighten your mood while you wait for the long, warm, sunny, Florida days to return.
- Brighten your environment – Your body is craving more daylight. You can satisfy your body’s craving either artificially, by purchasing a light box and sitting in front of it for at least 30 minutes per day, or by simply opening your blinds or drapes and sitting by the window.
- Maximize the benefits of food – Studies show that there is a strong relationship between the food we eat and our mood. Following a well-balanced diet, rich in protein, moderate in carbs (complex carbs are the best) and low in fat improves our mood and energy level. And for all you chocoholics out there, chocolate in moderation has been shown to enhance mood and relieve anxiety. (Of course…we chocoholics knew that, didn’t we?)
- Exercise – A recent study by Harvard University showed that walking briskly for about 35 minutes a day, five days a week or 60 minutes, three days a week improves mild to moderate depression. Yoga/meditation is another great way to beat the winter blahs. As a relaxation technique, yoga/meditation is great for restructuring the mind and those habitual patterns of thought.
- Crank up the tunes – Research shows that listening to upbeat or cheery music elevates the mood. Then, break out your best dance moves for the added physical benefits.
- Begin making plans for your summer vacation – Just the simple act of planning a vacation, especially one that promises warm, sunny days, significantly increases overall happiness. It gives you something to look forward to as you wait out the winter.
- Make yourself useful – volunteer – Giving some of your time to a cause you’re passionate about or helping someone in need improves mental health as well as overall life satisfaction.
- Get up off the couch and go outside – Convincing yourself to take a long walk when it’s chilly outside isn’t easy but, the benefits, emotionally and physically, are well worth it. So, put on your jacket and hat and get moving!
- Socialize – Make plans with family and friends. We go from fast and furious socializing during the holidays to a screeching halt, hibernating in our homes until the warmer temperatures bring us out of our winter cocoons again.
Maintaining relationships with our friends and family is key to our well-being. Research shows that people with more social support tend to be less depressed, less vulnerable to certain diseases and even live longer.
So, even though winter may not be your favorite season, keeping a positive attitude and physically on track with the tips mentioned above will help make the colder days fly by and the warmer months return before you know it.
Our workdays are no longer 9 to 5. Today’s technology ensures we are connected wherever we go. Although our work hours continue to stretch, for most of us, it’s the only thing that gets any stretching done.
According to a recent study, most people sit for more than nine hours a day. Due to this, lifestyle ailments and a sense of general discontent with our lives are on the rise. Nervous breakdowns, Carpal Tunnel Syndrome and Cervical Spondylitis are just a few of the medical issues that plague more and more corporate employees today. The old adage, “All work and no play, makes Jack a dull boy,” couldn’t be more applicable to today’s working culture.
With the amount of time we spend in the office and on the road, it becomes difficult to work exercise into our already jam-packed schedules. However, for our physical and mental well-being, we must find creative ways to incorporate this into our day.
We can make creative use of our sitting time, especially the time we spend in front of our desks. Although exercising while we’re sitting won’t provide us with the same health benefits as a good workout at the gym, according to health experts, it can help strengthen and tone muscles, and give us the well-deserved and much-needed break from work.
Here are a few suggestions:
Stretching – Spending long periods of time slouching over our computers/laptops does more damage than we think. We strain our eyes and our neck is bent at an unnatural position causing bad posture, which can lead to serious problems in some cases. These extended periods of time on our computers/laptops can also lead to Carpal Tunnel Syndrome, an extremely painful condition of the wrist.
Something as simple as standing up and stretching can ward off these afflictions. After every hour of continuous sitting, take a break and stand up from your seat. Intertwine your fingers and stretch with your hands towards the ceiling. Reach higher and higher until you are standing on your toes.
Come back to normal position and slowly rotate your neck, forward, backward and side-to-side, and then roll your shoulders forward and backward, stretching the shoulder muscles. Now work the wrists by slowly rotating them in a clockwise and counterclockwise direction. While doing this, close your eyes and give them their due rest.
Getting the most out of your chair –
Leg straightener – While sitting forward in your chair, away from the backrest, lift one leg at a time about 3 inches off the ground. Tighten your leg muscles for about 10 seconds. Release them and repeat. From this position, you can also rotate your feet in a clockwise and counterclockwise direction.
Pelvic Tilt – With your hands on your desk, sit in the middle of your chair with your feet flat on the floor. Arch your lower back so your butt feels like its sticking out. Make your abs do the work not your legs. Then, slowly pull your hips underneath your stomach, bringing your butt back underneath you, like you’re doing a crunch. Hold each of these positions for about four seconds. Repeat 10 to 20 times.
Arm Circles – Sit straight up in your chair, feet flat on the floor, and lift your arms out to your sides, parallel to the floor. Extend your fingers and make 20 small, tight circles in each direction. Then, make 20 large, open circles in each direction.
Do these exercises a few times a day.
Walk – It’s as easy as getting up out of your chair and moving. If you work in a multi-story building, walk up and down the stairs a few times during your workday. If your office is located above the ground floor, routinely take the stairs instead of the elevator when you come to work. If you need to discuss something with a colleague, walk over to him or her and chat in person instead of picking up the phone.
When you’re on the phone, stand in place and march or if you are on your cell, walk around the office while you chat.
Graze – Keep a ready stock of healthy munchies in your desk for in-between-meal snacks. A handful of nuts, baked snacks or fruits are great nutritious options. These snacks will keep your energy levels high as well as ward off the temptation to overeat at mealtime.
Also make sure to drink plenty of water (eight to ten 8-once glasses a day). Not only is water good for you, but by doing this, you will also up your daily step count due to increasing bathroom breaks.
The best cure for the body is a quiet mind. ~ Napoleon Bonaparte
Even though we try to fit more and more into our workday, including exercise, it’s vital we get 8-9 hours of sleep each night. A tired mind is an unproductive mind. We need to rest our bodies as well as our minds so we can think fresh the next day. Meditation and yoga are great options – they calm the mind and increase focus and concentration. Some people reach this same state of mind through an intensive workout. The goal in the end is to give your body and mind a pause for a while.
There are endless possibilities and no excuses. With a little creativity and dedication to our health, we can make it possible to incorporate fitness into our busy days with office exercise.
Smartphones today are capable of doing many things to make our lives easier… except, at least for now, making dinner. However, with its growing repertoire of capabilities, also come new security risks.
As we continue to use our smartphones for a much wider range of activities – social networking, online banking and shopping, emailing and surfing the web – we need to take sensible precautions to ensure that our phones and our information are safe.
Here are some security tips to protect your phone and your information from malware attacks and cybercriminals.
1. Keep your smartphone locked – Create a PIN or a PASSWORD and always have your phone’s lock screen on.
2. Don’t modify your smartphone’s security settings – Although it may be tempting to alter some of your security settings in order to access specific apps or services, don’t do it!
3. Protect your phone and your data – Today’s smartphones are powerful computers, and, like any laptop, PC, or Mac, should be protected by a reputable anti-malware program. You should also make sure your antivirus databases are regularly updated.
4. Backup your data – You should continually backup the data stored on your smartphone – contacts, important documents, photos, etc. These files can be stored on your computer, a storage card, or the cloud. By doing this, you can easily restore the information on your phone in the event your phone is lost, stolen or otherwise erased.
5. Only install trusted apps – Bad apps are loaded with malware that can infect your smartphone with viruses and steal your information. Before downloading an app, do some research to ensure the app is legitimate and safe. Also be cautious about granting applications access to your personal information contained on your phone. Make sure to check the apps privacy settings before installing it.
6. Update your smartphone’s software – Keep your smartphone’s operating system software up-to-date by accepting updates and enabling automatic updates when prompted by your service provider, operating system provider, device manufacturer or application provider.
7. Stay safe on public Wi-Fi networks – Even though free public Wi-Fi is a cost-effective way to surf the web on your smartphone (it doesn’t eat into your data plan), it can be dangerous. Hackers love to infiltrate these networks to snoop and steal valuable information. So, be safe, and do your online banking and shopping at home or use a mobile wireless connection.
8. Install security apps that enable remote location and wiping – Most smartphones today, either by default or as an app, have the ability to remotely locate and erase all data stored on your phone, even if the GPS is disabled. Visit www.CTIA.org for a full list of anti-theft protection apps.
9. Wipe your old smartphone before donating, selling or recycling – Your smartphone contains your personal data. So, make sure to protect your privacy by completely erasing the data off your phone and resetting the phone to its original factory settings before donating, selling or recycling. Visit www.komando.com for step-by-step instructions.
10. Report a stolen smartphone immediately – If your phone is stolen, you should immediately report the theft to your local law enforcement authorities and your wireless provider. By doing this, all of the major wireless service providers will be notified that the phone has been stolen and will not re-activate the phone without your permission.
11. Turn off your Bluetooth when you’re not using it – Switching off your Bluetooth connection reduces your smartphone’s vulnerability to cyber-attacks as well as the drain on its battery.
For more information on smartphone security, visit www.fcc.gov.
In a continual effort to reduce fraudulent credit card charges and increase security, the credit card companies are moving away from magnetic-stripe cards, which are easier to counterfeit, and towards the EMV chip card as soon as possible.
According to a recent report by Barclays, almost half of the world’s credit card fraud happens in the United States, even though only a quarter of all credit card transactions occur here. This statistic, in addition to the Target and Neiman Marcus security breaches, are the major motivators behind the changeover.
In an attempt to reduce this statistic and future breaches in security, the EMV (Europay, MasterCard and Visa) chip card is already being rolled out across the U.S., and by October of 2015 merchants will be pretty much forced (see below) to upgrade their machines.
These cards, which have been status quo for in EU and Canada for several years, are manufactured with a small integrated circuit or chip in the card. Payment data (name, billing address, phone number, etc.) is read from this chip instead of the magnetic stripe. This chip protects against fraud in two ways: making it more difficult and expensive to counterfeit and varying the way the data is transmitted each time the card is read. Consequently, while the magnetic-stripe card can be skimmed easily, chip information will be much harder to garner.
Processing device providers are promising to make the transition for their customers (merchants) as flawless and cost-effective as possible. They are also working on several solutions for their Square Stand customers.
Chip cards will not be swiped in the same way as the magnetic-stripe cards, hence the new processing equipment. The cards are inserted into the payment device and left in place for the entire transaction as the reader and the card talk back and forth.
Although this new measure goes a long way to thwart fraud, it will not provide any added protection against the card-not-present transaction, i.e. purchases online or over the phone.
Even though merchants will have the option of using their current processing technology because the new chip cards will still have the magnetic stripe as a backup, starting in October 2015, the liability for fraud will shift to the cardholder and the merchant. In other words, since the EMV terminal could have theoretically prevented the fraud, the liability now falls on the user (the customer) and the processor (the merchant/business).
The timeline for the EMV Chip Card Liability Shift in the U.S.
October 1, 2015 – Visa, MasterCard, American Express and Discover liability shift to POS terminals.
October 1, 2016 – MasterCard liability shift for ATMs.
October 1, 2017 – Visa, MasterCard, American Express and Discover liability shift to pay-at-pump gas stations, as well as for Visa and American Express at ATMs.
As we move into the summer months, many parents will also be heading into the wedding months.
Although, as parents, this is a milestone, a rite of passage in your life as well as your child’s, this can also be a very stressful time as well.
The cost of a wedding today can be overwhelming. Whether you’re picking up the entire bill for your child’s big day or sharing the cost with the bride and groom-to-be or his or her perspective in-laws, having a well-thought-out plan and a realistic budget will help keep what should be one of the most memorable days of your life and your child’s from getting out of control.
In a perfect world, we would’ve started saving for this big day shortly after our child was born…in addition to saving for his or her college and our retirement fund. But, if you’re like most parents, this just wasn’t doable. Although, it’s an admirable goal to save for your child’s wedding, most financial experts would advise that this shouldn’t be prioritized over college or retirement.
This is not to say that it’s too late to save, however. As soon as you know that a wedding is on the horizon, you should start saving.
But, don’t promise what you can’t deliver. As much as you’d like to be able to give your child the wedding of his or her dreams, it’s definitely not worth jeopardizing your financial viability to do it. For example, if you withdraw money from your retirement account pre-59 ½, you could face a penalty as well as additional taxes. In addition, you may never be able to replenish the money you withdrew or make up it’s earning potential, which could really set you back.
The first step in reducing the financial stress often associated with wedding planning is by simply talking about it. Sit down and talk with the bride and groom-to-be and put your financial cards, so to speak, on the table. This way, the couple has a realistic idea of what they can expect from you and the big day in general.
The second step is to find ways to save money.
You don’t have to break the bank to give your son or daughter a beautiful wedding day. Here are a few suggestions to save money on the big day without sacrificing the memories.
Limit the Guest List – One of the easiest ways to reduce the wedding budget is to reduce the guest list. Yes, a wedding is a celebration. But, keep in mind, it’s also an intimate moment. Be realistic. If budget is a concern, limit your guest list to the immediate families and closest friends. Not only will this save a lot of money but it will also be a more meaningful day.
The Dress – Many women spend a good portion of their lives fantasizing about their wedding dress…and consequently, spend a good portion of the wedding budget on it. This doesn’t have to be the case. It’s possible to find a gorgeous dress for far less than the exorbitant prices charged by most bridal salons (e.g. secondhand stores, eBay or consider using a family member’s gown).
Reception – This typically is the most expensive part of the big day. Consider cutting the cost of the reception by holding the wedding on a Friday or Sunday and/or opt for a brunch or cocktails and hors d’oeuvres or dessert/cake/champagne or possibly a garden picnic over a full, sit-down dinner. If you want a dinner meal, consider a buffet with less expensive items like chicken, pasta and in-season produce.
Music – Have the bride or groom-to-be load up the playlists on their iPod or iPhone for each part of your wedding – pre-ceremony, ceremony, cocktail hour, special dances, dinner, dancing, etc. Ask a member of the wedding party to act as MC for special announcements.
Flowers – To cut costs on the wedding flowers make sure to only order in-season flowers and use the same flowers at the church and the reception. You can also reduce this expense by ordering loose stems and making the arrangements yourself. In addition, flowers ordered online are typically less expensive than those ordered through a traditional florist.
Drinks – It’s a personal option whether to serve alcohol or not. But, if you’re going to serve alcohol, you can save money by offering only beer and wine and/or a champagne punch. But, make sure to have ample non-alcoholic beverages as well.
What You Can Skip – Most guests toss wedding favors as soon as they get home. If you absolutely have to give out favors, make something yourself…like baking a special treat (cookies).
You can also eliminate the unnecessary expense of save-the-date cards unless it’s a destination wedding, requiring people to make travel arrangements well in advance.
With all of these suggestions in mind, remember that budgeting and saving money doesn’t mean that you’re skimping on your child’s big day. With imagination, creativity and open communication, you can still have a beautiful wedding day for your child on a realistic budget.
Tax season is looming and, unfortunately, so are the scammers. With a growing number of reports over the last several weeks, from the IRS and police departments across the country, of people falling prey to tax schemes, it’s the perfect time to share some of the most widely used tax scams. Hopefully, this insight will keep you from becoming another statistic.
Phone Scams – This scheme has been occurring with more frequency over the last few weeks. Basically, someone calls you claiming they work for the IRS. These scammers impersonate an IRS agent and typically try to scare/threaten you. They try to intimidate you with supposed penalties, being arrested or deported, etc. if you don’t pay them right now. They even may know all or part of your Social Security number. Don’t panic. The IRS won’t ever just call you out of the blue. They always initiate communication in writing, even if you owe money. They also will never ask for debit or credit card numbers over the phone or threaten you with arrest, etc. for non-payment. If you have any doubts to the authenticity of a call or any correspondence, you can contact them directly (800-829-1040) or visit their website (IRS.gov).
Phishing – This scheme happens throughout the year. This occurs when scammers try to get your personal information by fooling you with fake emails or websites. However, during tax season they lure you in by claiming they have information about your tax refund, etc. You may, for example, get an email that looks like it’s coming from the IRS, inviting you to click on a link for information concerning your tax return or the money that may be due to you. Don’t fall for it. The IRS doesn’t initiate contact via email.
Identity Theft – This one is the worst…the tax scheme of all tax schemes. You arehappily awaiting your tax return, already happily anticipating where you plan to spend it and then you find out that someone else has been using your Social Security number as well as other identifying information, has filed a return in your name and is claiming your refund. Cut this off at the pass by never giving out personal information unless you know who’s asking for it and why, shredding personal and financial documents, knowing your tax preparer (see below) and filing your return early…beating the scammers to the punch.
Tax Return Preparer Fraud – You are inundated with advertisements of people/services that want to prepare and file your return for you. Just remember, like every service and/or person, some are ethical and honest and some are not. A majority of taxpayers today use a preparer. Just do your homework…check them out…get references, etc. In addition, remember that just because someone else prepares your tax return doesn’t release you from the responsibility of its accuracy. You’re the one who is ultimately responsible for the information contained in your return. So, make sure to review it thoroughly before you file it.
False Promises – Always trust your instincts…your common sense. The old saying, “If it sounds too good to be true, it usually is,” can often be the case where refunds are concerned too. Watch for promises of big tax refunds by people who don’t know anything about you or your financial/tax circumstances.
Tax season can be hectic enough without adding undue stressors. So, eliminate the added stress by being aware of these types of scams, using your common sense, dealing with reputable, longstanding tax preparers and thoroughly reviewing your return. And last, but not least…when in doubt, contact the IRS.
Here’s to a stress-free, safe tax season!
Spring is just around the corner and many people, both the seasoned homeowner and the first-time homebuyer, will be in the market for a new home. Whether you’re upgrading, downsizing, relocating or tired of the rental scene, the sooner you get your finances and credit in shape the easier it will be to get a mortgage loan.
Here are some helpful tips to help you prepare for your future home purchase:
What’s your credit history look like?
The first thing you should be focusing on is your credit history. Do you pay your bills on time? If you are a renter, do you have a history of paying your rent on time? Most mortgage lenders today require the last 12 months of cancelled checks if you’re renting from a private individual or they will want to contact the rental agency to determine if you pay your rent on time. If you are a homeowner, the lender will be looking at your mortgage history – have you paid your mortgage payments on time?
Do you have any delinquent accounts? These are accounts that are late, charged-off, sent to collections, etc. These can seriously affect your credit score as well as your ability to obtain a mortgage. If you have any of these accounts, you should pay them off before applying for a mortgage.
Keep close tabs on your credit
It’s a different world out there today with respect to credit scores. If you have less than a 700 credit score, you can expect to pay higher fees or a sizable down payment.
If there are discrepancies, file a dispute by with the credit bureaus.
Monitor your credit score. Check for inaccuracies that can hurt your credit score and hinder your chances of getting the best mortgage deals or a mortgage at all.
Stop applying for credit a year before you apply for a mortgage and avoid large purchases until you’ve closed on your new home.
If possible pay off any balances on your credit cards and then don’t use them for at least 45 days prior to applying for a loan.
Make sure to have three trade lines (e.g. credit cards, student or car loans, etc.) that have been open, active and in good standing for at least a year.
Figure out what you can afford
The last thing you want is too much house for your pocketbook. The home of your dreams will quickly become your worst nightmare.
There are several rules of thumb that can help you get a grasp on how much house you can afford. Typically with FHA financing, your home payment can’t exceed 31 percent of your monthly income…with some mitigating factors this percentage can be higher. If you are obtaining a conventional mortgage, a safe rule of thumb is that your home expenses shouldn’t exceed 28 percent of your gross monthly income.
Save for your down payment and closing costs
Depending on your credit situation and specific financing, you will need to save for a down payment. A bigger down payment doesn’t guarantee loan approval but it sure helps. And don’t forget the closing costs associated with a home purchase and the mortgage.
Your savings should reflect a figure that is over and above the down payment and closing costs. Lenders want to know that you’re not living hand to mouth. Three to five months’ worth of mortgage payments in savings makes you a much better loan candidate.
Do your homework
Make sure you fully understand all the costs involved in homeownership. There are property taxes, insurance and in some cases homeowner’s fees. If you are upgrading, most likely the utility bills associated with your new home are higher. Also keep in mind that the cost of repairs, maintenance and decorating may be higher than you think.
If you’re serious about purchasing a new home, get your financing in place before you walk through the first door. Get all your paperwork together and meet with a mortgage lender.
Find a house that you like
Purchase a house that you like and will fit your needs for several years to come.
Gone are the days of quick sales and depending on how much you put down and all the extraneous costs involved in a home purchase, not to the mention the costs involved in selling your current home and relocating, short-term ownership can be quite expensive.
Happy 2015! It’s hard to believe another year is behind us. If you’re like most people, you’ve either vigorously begun attacking your New Year’s resolution list or at least contemplated making one.
While losing weight and getting your financial house in order are always popular to-dos, another worthy candidate is getting your life organized.
Keep in mind, being organized is not an inborn or inherited trait. It’s a learned behavior by cultivating healthy habits and maintaining those habits to keep your life in order.
If being organized is a priority this year, remember, Rome wasn’t built in a day. Don’t set yourself up for failure by trying to overhaul your life in one month. It will be too overwhelming. You will have a greater opportunity for success if you have an overall plan or goal and by starting with a few key steps or habits to help you get organized over the year, rather than trying to get it done in one fell swoop.
Here are some suggestions:
1. Write things down – whether you are trying to remember birthdays, doctor’s appointments or items on your grocery list, make it permanent. Put pen to paper or use the calendar on your computer or smart phone.
2. Make schedules and deadlines – being organized goes hand-in-hand with using your time efficiently. Don’t waste time. Make and keep schedules for the day and week and stick to them.
3. Don’t procrastinate – the longer you wait to start something the more difficult it is to get it done. If one of your goals is to have a less stressful life, getting organized is the answer. Checking to-dos off your list will make you a happier and healthier person.
4. Find a home for everything – keeping your life organized begins with keeping your things in their proper places. Keep order by storing things properly and labeling the storage spaces. Put things that you use on a regular basis in easy-to-access storage spaces. Don’t let these spaces get cluttered and never label a storage space “miscellaneous.”
5. Declutter and weed out regularly – find time each week, possibly on cleaning day, to reorganize and get rid of things you don’t need or want. Less stuff means less clutter. Have a yard sale, donate to a thrift shop, take a trip to the recycling center or sell unwanted items on one of the popular resale websites.
6. Delegate responsibilities – don’t try to do everything yourself. Look at your to-do list (remember step one, write things down) and find tasks that you can remove and give to someone else. By doing this, you will eliminate the stress that is caused by thinking that the whole world rests on your shoulders.
7. Work hard – again, Rome wasn’t built in a day. Getting your currently disorganized world organized is going to take some effort on your part.
Getting and staying organized isn’t a walk in the park. It takes a plan, hard work and commitment. But, the rewards of a less stressful, clutter-free life are well worth the effort.
I recently read somewhere that the average person spends 42 hours a year on holiday activities. This involves shopping, wrapping, cooking/baking, attending holiday parties, traveling from one place to another and returning gifts.
Yikes! Just typing this makes me stressed out! And most often, these extra activities are crammed into our already busy schedules.
A recent survey conducted by Mental Health America concluded that the top two sources of holiday stress involve money concerns and chaotic schedules. And typically, women reported feeling more stress than men, and parents in general feel the most stressed.
With this in mind, here are some tips for reducing and controlling holiday stress and making this holiday a wonderful memory for you and your family:
1. Be realistic – You’re not Martha Stewart and you can’t do everything portrayed on TV or in your favorite magazine. If you try to cram everything in trying to make it the perfect, yet unrealistic holiday season, you and your family will be too exhausted to enjoy it. Also be realistic about your expectations of family and friends. No one is perfect, and the holidays don’t magically make him or her so.
2. Prioritize – As a family decide which activities are most important to you and which ones can be eliminated. Change things up if what you’ve always done is no longer fun and enjoyable or your children have just outgrown it.
3. Create new traditions – Choose new activities that focus on the true meaning of the holiday and not all the commercialization and hoopla.
4. Maintain a routine – During this crazy time, changing the family routine can be stressful in itself, especially to children. Try to stick to regular mealtimes and bedtime. If there’s a big activity, make sure your child is well rested and fed. There’s nothing more stressful for a parent than a hungry and exhausted child.
5. Ask for help – Don’t try to do it all yourself. Ask for assistance around the house, delegating tasks among adults and older children. Even younger children can be helpful. Let them help decorate the cookies or wrap presents. They may not be perfect but the children will keep busy and have fun in the process.
6. Less is best – Simplify the holiday season by planning easy meals for your family and friends. Suggest a potluck dinner with family and friends as opposed to doing it all yourself. Cut down on the gifts you buy every year. For most families today, making ends meet during the rest of the year is tough enough, little alone during the holiday season. Consider buying family gifts or drawing names for relatives as well as limiting the dollar amount for presents. Limit the amount of holiday cards you send –they are expensive and so are the stamps. Consider sending some electronically this year.
7. Plan fun – What do you and your family enjoy? Make plans to see your favorite Christmas play, movie or concert, drive around the neighborhood to see the holiday lights or visit a Christmas tree farm.
8. Most importantly – carve out time for yourself. During this time of year, adults find themselves committing, in many cases, over-committing themselves to others and neglecting time for themselves. Make time for yourself – reading, a bubble bath or a long walk. Make sure to get plenty of rest – even a catnap can help you rejuvenate for the evening’s party. Make alone time for you and your partner. Schedule downtime for your children to help them recuperate from all the holiday activities.
Lastly, try to roll with the punches…take things in stride. No matter how well you plan, something invariably goes awry. When all else fails…laugh…find humor in the mishaps. They make the best stories. And remember, there’s always next year.
May you and yours have a safe, blessed holiday season!