Friday, February 15, 2019

A Quiet Place


Ever lay in bed wishing you could fall asleep, but today’s trials and tomorrow’s tribulations are just swirling about in your head keeping you awake? Tossing, turning and even getting up for a cool glass of water don’t seem to help; so how can you find a quiet place to fall asleep? Check out some of the strategies below and find the peace you need to get some quality shut eye.

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Need a little extra help calming your mind when your head hits the pillow? Don’t count sheep! Instead, try Everyday Health’s[1] tips below and get a good night’s rest.

If You Can’t Fall Asleep When Your Head Hits the Pillow, Here’s What to Do

1. Ditch the Devices
Sleep doctors have been telling you for years to stop using smartphones, laptops, and tablets right before bed — and for good reason. Not only does the light from electronic screens mess up your melatonin production — which makes sleep physiologically harder to achieve — it can also heighten anxiety and stress, especially if you’ve just received stressful news via email or social media. It makes the cycle of ruminating about bothersome or unpleasant news worse, Dr. Chan says. Plus, the apps, websites, and news you’re consuming on such devices are meant (in large part) to keep you (and your brain) engaged, he adds. “The internet is designed to capture attention so that you spend more eye time on screens, which can be a detriment to sleep.” To protect your shut-eye, switch off devices one to two hours, or 30 minutes at a minimum, before bed.

2. Schedule Worry Time
Just as you schedule time to see friends or get a massage, do the same with your worries. Schedule a consistent time every day (about 15 to 30 minutes), at least one to two hours before bed, to write down those worries on paper. In addition to writing down what’s worry you, create at least one action item you can do to help deal with the issue. Thinking through those potential stressors earlier in the day should help ease how much you worry about those things when you head hits the pillow, Chan says. “Ideal sleep depends on creating routines and schedules, and this is no different.”

3. Create a Routine to Power Down Your Brain
Most people assume that sleep is like breathing — your body will just do it. Not true. Modern-day living has created so much stimulation in the day that brains now operate at warp speed, and if you don’t give them time to rest, they’ll continue going at that speed at bedtime, says David Brodner, MD.  At least 30 minutes before you go to bed, start your pre-bed preparations and then do something relaxing, like listening to music or reading. Keep it consistent, and you’ll train your body to expect sleep after that relaxation period.

4. Keep a Gratitude List
Now that you’ve dumped your worries, replace the void where those negative thoughts once lived with positive ones by starting a gratitude journal, Breus suggests. The impact of those positive thoughts is greater when you write them down. So try spending a few minutes each night listing three to five things you’re grateful for.

5. Practice 4-7-8 Breathing
You’ve heard about deep breathing for stress, but there’s a good reason it’s so effective for sleep. In order to get to sleep, your heart rate needs to slow down, Breus says. And breathing techniques are one of the most effective ways to achieve this goal. One of Breus’s favorites is 4-7-8 breathing: Inhale for a count of four, hold for seven counts, and then blow out for eight counts. Do this at least five to seven times, and your heart rate will slow way down.

6. Do Progressive Muscle Relaxation
As you lie in bed, tense and relax all of your muscles one by one, starting at your toes and ending at your head. Not only is this incredibly relaxing, as the name implies, it also forces you to think about the physical parts of your body, directing your attention away from whatever thoughts or stressors you’re ruminating about, Breus says.

7. Maintain a Consistent Sleep Schedule
This is one of the pillars of sleep hygiene, those guidelines sleep docs recommend for ensuring a good night’s sleep. It helps the mind, too. “If you try to go to bed early when your brain’s not ready to sleep, it will focus on other things, making you aroused,” Breus says.

If You Wake Up in the Middle of the Night and Can’t Fall Back Asleep, Here’s What to Do

1. Get Out of Bed
As counterintuitive as it seems, climbing out of bed after about 20 minutes of worrying is the tried-and-true advice sleep doctors tell everyone they help (and one of the hallmark steps of therapy for insomnia). If you spend time worrying in bed, your brain will begin to associate bed with worry and not being able to sleep, Chan says. You create a vicious cycle for yourself whereby your bed increasingly becomes a space where it is difficult for you to sleep. Instead, get out of bed and do something calming, like reading a book, doing light chores, or journaling. As soon as you start getting sleepy, head to bed. “The goal is to increase your sleep efficiency, meaning that when you’re in bed, you’re sleeping,” Chan says.

2. Slow That Heart Rate
You may have used the 4-6-7 breathing or deep muscle relaxation before bed. Now try them again, as your goal is not only to lower that heart rate but also take your mind away from your thoughts, Breus says.

3. Write Down Your Worries
Keep a notepad by your bed and scribble down worries that are top of mind, Dr. Brodner says. This isn’t the same as pre-bed structured worry time, as you’re not creating solutions to your worries. You’re just getting them out of your head so your mind can rest.

4. Power Up the TV
Bet you’ve never heard this advice before. That’s because Breus may be the only sleep doc in the world who gives patients permission to watch TV if racing thoughts are keeping them up. A show you enjoy can get your mind off whatever is bothering you and potentially help you relax. (Note though that most sleep guidelines recommend against TV at night, including advice from the National Sleep Foundation — so if it’s not helping you sleep more, skip it.) What about that blue light that TVs emit that messes with your melatonin production? “Although TVs do emit blue light, that TV is so far away that you’re not getting as much blue light as you think,” he says (or as much as other devices, like a smartphone or tablet, might give off). Besides, most people aren’t actually watching TV as much as they’re listening to it with their eyes closed, and blue light can’t penetrate closed eyelids.

Calm your mind, sleep deep and elevate your confidence by following the tips above and by upgrading your personal protection. Armed with Life Alert medical alert system, you can summon help fast with just one touch of a button. Whether you encounter a home invasion, a home fire or even a serious fall, LifeAlert’s dispatch team can send you the proper authorities. Plus, with 24/7 protection, you’ll never have to worry about when you may find yourself living a real life nightmare.  The best remedy to calming your mind and your worries is to get Life Alert Protection today! Call 1-800-513-2934 for a free Life Alert brochure.

Works Cited:
1.       Asp, Karen. “How to Quiet a Racing Mind and Fall Asleep, Tonight.” Everyday Health. 4 February 2019. <https://www.everydayhealth.com/sleep/how-put-racing-mind-bed-sleep-now/ >.


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Monday, February 4, 2019

Save Your Pennies for Someday


We have all said that one single word that almost always has good intentions behind it, but most of the time it just falls flat; that one word is, someday. Someday I’ll go here; someday I’ll go there, someday, someday, someday…. Well, if you are tired of saying someday, why not make 2019 the year you say yes to making your travel dreams come true? But, now that you’re going for it, how will you pay for it? Keep reading below to learn about some savvy ways you can save up for your dream vacation.

Savvy travels, start with good safety. If your someday vacation is a solo backpacking trip through Utah’s National Parks or even just a simple sun-filled Florida beach stay, you need Life Alert Protection to help ensure your trip doesn’t encounter any trouble. With Life Alert mobile with GPS you immediately gain access to 24/7 personal protection anywhere in the U.S. Should you encounter a life threatening emergency, push the button on your mobile device and Life Alert’s dispatch team can locate you via GPS and send you an emergency medical response fast. If you are going to the put the effort in to save money for your someday vacation, why not put the effort in to save your life too? Don’t travel without Life Alert Protection!

Turn that fantasy trip of yours into a reality, by starting to grow your travel fund. How you may ask? Real Simple[1] has all the tips below. Read on and get packing!

Set a Realistic Goal
What you aim to save should be attainable, based on your income and expenses. After all, if you're diligently stashing away some money every month, but feel like you’re hardly making a dent in your savings goal, you're more likely to give up saving all together. “So many times, people will design their vacation and then attach dollars to it," says Jesse Mecham, founder of You Need a Budget. "But it’s better to come up with a reasonable number first, then whittle away at it when you start planning the trip. The reality is that we have only so much money.” Once you have your goal set, divide the total by how many months you have to save until your trip, then add a separate line item to your budget for that amount.

Pay Yourself First
Once the bills start rolling in, it can be tough to find any money leftover to put toward your vacation fund at the end of the month. Keep the money out of reach by setting up automatic transfers to your savings account every time you get paid. “It’s also a good idea to open a specific account just for your vacation fund,” said Gaby Dunn, author of “Bad With Money: The Imperfect Art of Getting Your Financial Sh*t Together." She added that separating the money from your general savings makes it less likely you’ll dip into it for another expense. Pay attention to where you’re putting your money, as well. A number of online banks now offer around 2 percent interest on savings accounts—a much higher rate than the national average of .09 percent. That’s essentially free money you can use for, say, a fancy dinner in Paris.

Save From Your Smartphone
A number of apps can turn a smartphone into your best friend when it comes to saving for something big. “I use a savings app called Digit, which takes a small amount out of your account every day and puts it into a savings accounts for specific goals,” says Dunn. “It texts you every morning letting you know how close you are to your goal, and honestly, I completely forget about the money until I need to use it.” A number of other apps also offer really clever ways to save without thinking about it. Acorns and Qapital, for example, can both round up your purchases to the nearest dollar and put the difference into a savings account. It’s small, but it adds up throughout the year.

Pick Up the Tab at Dinner
Nothing ruins a great dinner with friends quite like trying to split the check on a slew of credit cards. Offering to put the total on your card not only makes for a more seamless dining experience—it can also help you fund your vacation. “If you have a rewards credit card that gives you a bonus at restaurants, volunteer to pick up the tab and get the points,” says personal finance expert Nicole Lapin, author of Rich Bitch: A Simple 12-Step Plan for Getting Your Financial Life Together... Finally. “Then, have your friend’s pay you back instantly with a payment app.”

Resist Impulse Buys
Everyone’s guilty of stealing a few minutes out of the work day to scope out an awesome sale at their favorite online store. You don’t plan to actually buy that handbag, but now you’re seeing ads for it everywhere—and it’s getting impossible to resist such a great deal. “Go to your browser and clear your cookies so you’re no longer tempted to make that impulse buy,” said Lapin. “That way, you end the trail for retailers and avoid indulging when you don’t want to.”  When you successfully resist an impulse purchase, reward yourself by putting a portion of what you would have spent into your travel fund. Think of it like a little bonus to make your trip that much more amazing.

Ask for Discounts
When’s the last time you asked for a discount on your cell phone bill or car insurance rates? If it’s been a few years, it’s time to give those companies a call. “If you tell them you’re thinking of switching, they’ll almost always give you a better rate,” says Mecham. “This method works about every six months.” Be kind, but firm when bargaining with the customer service representatives. And don’t be afraid to call back another day if you’re not happy with the current offer. Spending 20 minutes on the phone could help you come up with another $20 per month to toss into your travel fund.

Master Meal Planning
There are times we eat out to enjoy a chef-prepared meal and the company of friends. Then, there are all those other times we grab take-out after a long day at the office, a snack on the way to the gym, or that daily morning coffee. Mindless spending makes it so much harder to save up for the things you really want (like that escape to Miami in the dead of winter!). “Anyone I’ve talked to who has saved up a lot of money or paid off a lot of debt has cut back on eating out,” says Mecham. “Learning how to meal plan as been the overarching approach that has worked.” It might take a little while to break the habit of eating out all the time, but getting organized in the kitchen and planning what you’ll eat throughout the week can save you big bucks in the long run. And just think of all the once-in-a-lifetime meals you can eventually savor on your getaway.

Plan a Housing Swap
Hotel stays are often the most expensive part of taking a vacation. Rather than shelling out big bucks for a room while your home sits empty, consider arranging a housing swap that will help you save on travel costs. “I have friends and employees who’ve done it, and it’s been a positive experience," says Mecham. "It just takes some dedication to make sure you’re finding the right people to swap with.”  Sites like Home Exchange and HomeLink can help you find a home to borrow on your trip. You could also take things a step further by renting out your apartment or house on Airbnb (and use that extra cash for your travel expenses). Just make sure you’re following the terms of your lease and local laws.

Put Your Skills to Use
There are only so many cuts you can make to your expenses. At some point, you need to focus on boosting your income if you’re trying to grow your travel fund. Enter the side hustle. “If there’s something you’re really good at in your day job, try moonlighting it for clients during nights and weekends,” says Mecham. The gig economy has made it easier than ever to earn some extra cash in your spare time. You could open up a store on Etsy, drive for Uber or Lyft, walk dogs with Rover, or take care of chores for your neighbors on TaskRabbit. “Don’t set lofty goals, just start small and try to make a couple hundred dollars a month at first,” says Mecham. And while it might feel like a drag taking on extra work, devoting your earnings exclusively to your travel fund will help you hit your goal fast—and give you the money you need to take a trip you’ll never forget.

Dreams written down become goals. Goals planned out become plans. Plans become reality! Make your vacation dreams a reality, by setting achievable financial goals and having a plan. Included in your financial dream vacation plan, be sure to budget for great personal protection; especially if you’re planning a solo trip. With Life Alert Mobile HELP with GPS, you can travel anywhere in the U.S. with full 24/7 protection. Here’s how it works: Should you encounter a life threatening emergency, push the button on your Life Alert Mobile device and summon an emergency medical response fast. Plus, batteries don't need charging and can last up to 10 years! Add a little personal protection luxury to your next vacation by taking along Life Alert Protection. Call 1-800-513-2934 for a free Life Alert brochure.

Works Cited:
1.       Sweet, Joni. “9 Ways to Save for the Vacation You Deserve in 2019.” Real Simple. 6 December 2018. <https://www.realsimple.com/work-life/money/saving/how-to-save-money-for-vacation >.


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