3 Easy Self-Care Tips

In order to remain productive, focused, and able to care for others, it’s important to care for yourself first. 1. Stay hydrated. Even mild dehydration can be detrimental to mood and mental cognition, according to University of Connecticut’s Human Performance Laboratory researchers. Drink about a half gallon of water a day. 2. Care for plants. Being around plants can increase memory retention up to 20%, according to a University of Michigan study. 3. Get enough sleep. Adequate sleep enhances learning and problem-solving skills, and helps you pay attention and make decisions. The average adult needs 7-8 hours per day.

Work Productivity

Many believe the more hours they work, the more they achieve, but productivity plummets after working 50 hours in a week. Take action with these tips to get the most out of your work day.  Set time rules. Note what isn’t working with the way you spend your time (such as too many distractions from technology), then set guidelines to protect it. For example, if reading e-mail first thing in the morning throws off the rest of your to-do list for the day, make a commitment not to open it until a certain time or until other tasks are completed.  Take breaks. Productivity app DeskTime found that the most productive people work for 52 minutes then take a break for 17 minutes.  Focus your energy. Avoid spreading your attention too thinly. Instead, work in bursts by focusing intently on a single task or project, and then relax completely for a set amount of time (15 minutes usually works well).

5 Ways to Improve Your Credit Rating

A good credit rating is essential in today’s economic market. It can save you thousands of dollars when you apply for a mortgage, car loan, or when you want to finance any other big-ticket purchase. Here are six tips for improving your credit rating: 1. Check your credit report. Make sure to resolve any credit debt inaccuracies or disputes. Go to www.AnnualCreditReport.com for information on how to order your credit report. 2. Pay your bills on time. It’s especially important near the time you are applying for a loan. 3. Pay down, or pay off your credit cards. High debt will adversely affect your credit rating. 4. Don’t apply for new credit cards to increase your available credit. 5. Pay down your revolving debt. Also, pay down your debt rather than moving it around. 6. Manage your credit cards and installment loans responsibly. Paying with credit cards and installments loans promptly will actually raise your credit rating.

5 Fitness Myths

Here are five fitness myths and the facts you should know so you can choose the fitness regimen that’s right for you. Fiction: No pain; no gain. Fact: While you may feel sore a day or two after working out, you shouldn’t feel real pain. If something hurts, stop and rest. If the pain persists, don’t work through it. Talk to your doctor instead. Fiction: Lifting weights will bulk you up. Fact: Weight training forces your muscles to work 10 to 20 times more than cardio. But bulking up comes from high calorie intake. You can tone your muscles by combining weight training with a moderate diet. Fiction: If you work out every day, you can eat anything you want. Fact: If only it were true! To burn fat, you need to expend more calories than your body uses. While personal metabolisms vary, the answer is to eat a balanced diet – including on rest days – to fuel your body, and to exercise regularly to feel better physically, mentally and emotionally. Fiction: You’ll lose weight if you exercise and eat a low-carb diet. Fact: Carbs are essential if you want to do strength training, cardio or almost any sport. Without them, you won’t perform as well or recover as effectively between training sessions. Fiction: You can spot reduce one area of your body. Fact: Working out can reduce overall body fat, but you can’t control where that fat comes from. What does work is to burn as much fuel as you can with a good overall exercise program and a healthy diet.

Donating Clothes And Accessories

Is it time for a wardrobe facelift? Before hauling your old clothes away to the same secondhand store or tossing them in the trash, consider these options. Blue jeans: Old blue jeans donated through bluejeansgogreen.org will be turned into insulation in communities that need it most. Shoes: Both soles4souls.org and oneworldrunning.com accept gently worn shoes to donate to people in need around the world. Wedding and formal dresses: Most people only wear formal clothing a few times, so if your wedding dress or formal gowns are still in great condition, pass them on! Soon-to-be-military brides are on the receiving end at bridesacrossamerica.com, and Project G.L.A.M. (wgirls.org) provides teenage girls with prom dresses. Eyeglasses: If you’ve updated your prescription lately, donate old frames and lenses to new-eyes.org, where they’ll be passed on to someone who can’t afford new eyeglasses.

Help Kids Save Money

All adults know that money doesn’t grow on trees, but that’s not necessarily true for kids. Help your kids, grandkids, or other children in your life tuck away their extra nickels and dimes for a rainy day. 1. Bank it. Encourage kids to decorate four separate piggy banks – one each for Saving, Spending, Investing, and Giving – to help teach about setting money-related goals. Investing money will be used for future investments and Giving money can be donated to a charity of the kids’ choice. 2. Offer an allowance. Assuming you are helping your own children save money, provide a small allowance so there is something to put into the piggy banks. Give the allowance in small bills or coins so kids can physically hold and drop equal amounts of cash into each piggy bank. 3. Make goals. If there are certain things kids want to buy, or if they are expected to save a certain amount of money toward larger items such as bikes, explain that they’ll need to use the Saving piggy bank to collect the needed money. And, if they choose not to spend money out of the Spending piggy bank right away, they’ll be able to buy the items they’re saving for faster. 4. Go shopping. When you go to the store, let the kids take their Spending money with them. If they want to buy something, count out change in the store. Feel free to remind them that, if there is something more expensive they’d like to buy, they’ll have to continue to save for it – and they’ll reach their goals faster by moving Spending money into the Saving piggy bank. However, if they want to buy something, that is their choice as this is their money.

Relationship Tips

A happy, healthy relationship with your significant other doesn’t ride on fancy flowers, heart-shaped chocolates, and an annual celebration on your anniversary. In fact, sometimes it’s the small things that mean the most in a relationship with your loved one. Start small with these ideas. Set the smartphone down. Offer your undivided attention with time set aside for the two of you – no phones allowed! Perhaps this is over dinner in the evenings, in the bedroom, or on a once-a-week date night out (or in). Say thank you. Don’t take your partner for granted. Acknowledge and appreciate even the small things like cooking dinner or doing the dishes. Do something he/she likes to do. Embrace your partner’s differences. Next time you choose a movie together or look for a weekend activity, get out of your comfort zone and try something that’s not generally your style. And, the time after that, encourage your partner to do the same.