Seven tools to mind your mental wealth for life

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There are two parts to good ‘mental wealth’: financial resilience, and financial wellbeing. When we talk about personal resilience, it’s about whether we have enough shock in our systems to prepare us for unexpected ‘bumps in the road’, and the same is true for our finances.

Financial resilience is being able to deal with setbacks: ‘Do I have enough emergency savings to pay for unexpected costs without spiraling into debt or it seriously impacting my day-to-day life and mental health?’. For example, if the washing machine breaks ‘am I ready to deal with that payment?’

Financial wellbeing is about making decisions and taking action now, to create wealth for yourself later over a longer time period. Wealth is grown in decades, not days, so preparing for the future has to happen sooner instead of being put off.

1. Kick unhealthy habits

Before embarking on a new health regime, it’s important to tackle the bad first, like smoking and eating junk food.

With finances, it is the same, and the most urgent issue is getting out of high-interest debt if you’re in it, such as store cards or credit cards. Not tackling these debts first defeats the point of any good budgeting and saving for the future.

If you are able to pay more than the bare minimum monthly payments, make sure you know what interest you are paying and see if you can lower it by taking out a loan that charges you less interest.

It might feel scary, but it can often have better rates that allow you to put the money saved towards paying off your balance, resulting in a quicker end in sight.

2. Don’t be afraid to talk about money

When people ask you ‘how are you?’ the chances are you don’t mind sharing that you’ve had the flu, or have recovered from a recent injury. But you’re probably less likely to discuss your mental health or money worries. Like with mental health challenges, bottling up financial concerns feeds anxiety.
Everyone has had a money issue at some point in their life, so there will be people in your network with advice and learnings that could be useful to you.

Surprising as it might seem, your HR department or employer is somewhere you can turn to for example. More and more companies offer financial wellbeing support, because they know anxiety about money impacts mental health, and therefore how people perform at work. If they don’t have one, ask them why not. It could prompt them to initiate one.

You can even request that your employer works with a company like Neyber, which works with employers to offer fixed-rate loans to its employees, for anything from consolidating debt to bigger ticket items like buying a house, which is paid back by a salary deduction.

If they don’t have one, ask them why not. It could prompt them to initiate one. If you’re worried, anxious, or confused about your personal finances, saying it out loud and hearing other people’s stories can help be the first step towards making a change.

3. Ask for help and advice

Or is there someone in your personal network you can turn to for advice? A friend’s parent if you can’t turn to yours, or someone you are friendly with and talk to regularly, but on a professional basis, such as a business owner in your local area. It always surprises people how often others want to help, but they’ll probably be flattered and if they don’t have relevant advice, they may know someone who does.

If you’re worried, anxious, or confused about your personal finances, saying it out loud and hearing other people’s stories can help be the first step towards making a change. There are even Facebook groups dedicated to topics like debt where you can turn more anonymously to hear other people’s experiences and ask what’s worked for them.

Since the pandemic, numerous consumer-friendly personal finance blogs, apps, Instagram accounts, and podcasts have been launched, dedicated to talking all things money – including debt – meaning you can look outside of your personal network for advice or to hear other people’s experiences and what worked for them. @GetWokeNotBroke, @MoneyMedic, and @AllOurBestIntentions are great Instagram accounts, and the ‘This Is Money’, ‘Money Clinic’, and ‘MoneyBox’ podcasts all help with this.

4. Use the tools available to your advantage

Once you have mastered the basics and built your financial reserves and resilience, and you know you can deal with life’s curveballs, it’s time to invest in your future.

Like exercising and eating well, the payoff isn’t always immediate, but the choices you make now will set you up for financial health in your later years.

5. Raise your awareness and know what help is out there

One of the reasons personal finance can feel daunting is due to just how much information is out there. There’s so much, so how do you know what the right thing to do is? It can be stressful worrying about making the right decision, but from my experience making no decision at all is always worse.
Not everyone wants to research online, or read books on it. Try and integrate financial learning into what you do like.

6. Set long-term financial goals

A good rule of thumb is to have a pot worth ten times your annual salary by the time you retire, which sounds like a lot, but is achievable by starting early and breaking it down into simple steps – like setting a savings goal for every decade you’re in employment,

7. Make your money a force for good

Did you know that acting out of a higher purpose can help reduce stress and improve emotional wellbeing? You may not have considered this, but one way that you can benefit your future self, the planet, and the rest of the people who live on it are by using your money as a force for good – and you can do this by engaging in where your pension is invested.

Money makes the world go round, and when you invest in your pension, you are investing alongside side millions of other people. This amounts to billions of pounds. Your pension is being invested in companies around the world and how these businesses behave has a huge impact on the wellbeing of our planet.

 


Rob Gardner is director of investment at SJP Wealth Management.

 

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Judge says man unfit for trial, mental illness fueled by energy drinks – KVRR

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MINNEAPOLIS – A judge says a Minnesota man accused of killing three family members with a wrench is mentally incompetent to stand trial, citing testimony from doctors about his mental illness intensified by energy drinks.

David Ekers is charged with three counts of second-degree murder in last year’s attack in a Minneapolis suburb that killed his sister, mother, and grandmother.

The ruling by Judge Lisa K. Janzen says evidence of the negative effect of energy drinks on Ekers’ schizophrenia dates back to at least 2017.

During one hospitalization in 2018, the judge says his “psychotic symptoms appeared worsened with the ingestion of large amounts of energy drinks.”

 

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How to reset your sleep schedule in three days

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Whether you’re coming out the other side of a long weekend, the clocks have changed, or you’ve been making the most of your time off with some well-earned relaxation, discover how to reset your body clock fast

Sleep. It’s essential. Getting a good night’s rest allows your body and mind to recharge, helping you to feel ready, refreshed, and alert for the day ahead. Without good quality sleep, we’re not only left feeling grumpy and unfocused – we could be putting our health at risk.

One in three of us suffers from poor sleep. When a bad night’s sleep turns into a regular occurrence, we put ourselves at risk of a number of physical and mental health problems. If you find yourself watching the clock and longing for a nap, chances are, you aren’t getting enough sleep.

Knowing we need more sleep, and actually resetting our schedules can be two very different things. Long weekend nights can lead to our bed and waking times slipping further and further back. Well-earned days relaxing during our time off can result in us not feeling tired come bedtime, whilst the clocks going back each October or forward in March can leave us feeling groggy and confused.

As Counselling Directory member and professional counselor Sue Stradling explains, creating a routine is key to getting a better night’s sleep.

“Sleep likes a routine, so try to keep regular hours. Going to bed at the same time every night, and waking up at the same time every morning can help to program your body to have a better sleep. Don’t worry about not falling asleep. The more you worry, the less likely you’ll be able to sleep. If you can’t sleep, get up and try something that you find relaxing, and then go back to bed when you feel sleepy.”

To help you get your sleep schedule back on track, the sleep experts from MatressNextDay have shared their guide to reset your body clock in three days.

Day one

Wake up: 10am
Bedtime: 11pm
Today’s plan: exercise and hydrate

If you’re getting started over a bank holiday weekend, it’s best to get started on a Saturday. To help you feel ready to fall asleep on time, try and fit in a 30-minute workout. Research has shown that moderate exercise can not only boost your mood, but can help those experiencing sleep issues such as insomnia to fall asleep faster and for longer, experiencing a better quality of sleep overall. Exercise can also act as a natural stress reliever which, in turn, can help you to feel calmer and ready to switch off at the end of the day.

Make sure to drink plenty of water. Even mild dehydration can leave you feeling sleepy and lethargic throughout the day, with research showing it can negatively impact our ability to complete tasks that require our concentration, coordination, or more complex problem-solving skills. Keeping a bottle of water with you can help to remind you to keep drinking, whilst helping you to avoid the pitfalls of hidden caffeine boosts that may be causing you to yo-yo throughout the day.

Ensuring you cut down on screen time before bed can also be key to help reset your body clock more quickly. Counselling Directory member and psychotherapist Maja Andersen explains more about how blue light can disrupt your natural sleep cycle.

“It takes your brain about an hour to switch off from blue light input from your smartphone, tv, tablet, or laptop. Good sleep hygiene (such as) having a regular bedtime and sleep routines is by far the best option. Keeping a sleep journal can help you track your quality of sleep and may help you identify patterns, for instance staying up watching TV for an hour longer than normal may trigger a lapse in concentration the following day.”

Day two

Wake up: 8 am
Bedtime: 11pm
Today’s plan: sunlight, limited naps, and limited alcohol

For day two, kickstart your morning by opening your curtains to get some early morning rays. Bright light signals for your brain to stop producing melatonin (the sleep hormone), which makes you feel drowsy. Getting outside for as little as 10 minutes can help to increase your vitamin D levels. As one Nutritionist Resource member explains, vitamin D plays an important role in our mental and physical health.

“Its role in healthy brain function and immunity is of vital importance, especially as we come to the end of winter where our natural source of vitamin D from sunlight has been at a minimum.”

Vitamin D not only helps keep our bones, teeth, and muscles healthy, it can also play a huge role in regulating our mood. Not getting enough can lead to an overall sense of tiredness, aches, pains, and generally not feeling well.

While napping isn’t ideal, catching a quick 10-20 minute snooze if you need to is ok. Just make sure you’re doing it as soon as possible. The longer you wait, the closer bedtime creeps and the more likely you are to disrupt your sleep schedule. By limiting yourself to 30 minutes or less, you reduce your chance of entering a deep sleep cycle and waking up groggy.

Alcohol can reduce your REM sleep, causing more disruptions and a less restful night. By limiting your alcohol intake, you reduce the likelihood of it disrupting your sleep and causing excessive sleepiness the next day.

Day three

Wake up: 6-7 am (or as early as you need for work)
Bedtime: 10pm
Today’s plan: good food, limited caffeine, calming nighttime routines

What you eat can have a huge impact on how you sleep. Diet and sleep quality are closely linked. Get your day off to a good start by having a balanced breakfast with healthy fats and lean protein for an early morning energy boost. Limit your caffeine intake by cutting back on coffee or switching to herbal tea to avoid relying on short-term energy boosts that may leave you feeling groggy.

Your cortisol levels (the stress hormone) can leave you feeling more awake, so it’s important to maintain a sustainable, relaxing nighttime routine. Stretching, mindful meditation, yoga, or having a hot bath can all be simple ways of unwinding without screens.


 

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Why hydration is good for your mental health

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We all know about the importance of trying to drink our eight glasses of water a day, but there’s far more to it than just quenching your thirst…

If there’s one simple habit that’s universally recommended, it’s to keep on top of your water intake. Water is involved in so many different bodily functions – from helping our body get rid of waste to protecting our joints – yet in the busy lives we lead, many of us forget to drink enough.

Nutritionist Uta Boellinger says: “Good hydration is crucial for health and wellbeing, and just about every mechanism in your body relies on adequate water intake.”

It’s not just about your physical health either, with water playing a part in your mental health, too. A study found that drinking the lowest levels of water doubled the risk of depression and anxiety.

Let’s take a look at why keeping track of your hydration is one of the simplest and most effective things you can do for your mental health.

Why hydration is so important for our mental health

How exactly does hydration help our mental health? Well firstly, much of our brain is actually made up of water, so when we’re in a state of dehydration, our cognitive performance is affected. Studies have shown that just being dehydrated by 2% impairs things like memory and focusing on your daily tasks.

Because of this, reducing water intake can lower your mood too, since dehydration creates a stressor on the body – and may also impact mood-boosting hormones such as serotonin, that are found in our brain.

“Dehydration causes brain functioning to slow down and can impede serotonin production, as well as increase stress hormones, and that can contribute to making your mental health worse,” explains Claire Elmes, an emotional wellbeing consultant. “It can lead to lower energy, increased mood volatility, and poor concentration, exacerbating pre-existing symptoms, and leading to further discomfort.”

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Another study found that those who reduced their water intake increased their thirst, which led to a decrease in positive emotions such as calmness and feeling content. In turn, those who had low levels of water and increased it, reported improved fatigue and an improvement in their mood when waking up at the start of the day. Clear evidence that not getting enough water could be one potential reason behind low moods and feelings of fatigue and low energy.

Why you might be at risk of dehydration

As well as understanding the importance of hydration, let’s talk about why you may be at risk of dehydration – particularly if you are dealing with mental health conditions such as anxiety and depression. One reason for this is that your mental health could be impacting your sleep patterns, which brings with it an increased dehydration risk.

Studies have shown that those who sleep for a shorter period of time each night, are more likely to be dehydrated.

This can sometimes create a vicious cycle: since we struggle to get enough sleep, we’re likely to be low on energy and reach for things like coffee and energy drinks to get us through the day. However, caffeine is also a known diuretic; this means it often increases your need to urinate after you drink it. Because of this, we lose more fluids through urination, meaning we need to drink even more water to compensate for this loss. Alcohol works in a similar way, so it’s also worth bearing this in mind. While it doesn’t mean you can never drink coffee and alcohol, it’s definitely worth drinking extra water to balance things out.

Finally, it’s worth considering that those with low moods might find it more challenging to track and keep on top of their fluid levels – something that’s really important in avoiding dehydration.

“When you’re struggling with depression, anxiety, or other mental health problems, it can be incredibly difficult to maintain a routine, and keep up healthy habits, like drinking plenty of water throughout the day,” explains Claire Elmes. “You may be preoccupied, forget, or lack the energy or will to look after yourself and nourish your body.”

How to maintain good hydration habits

The first thing that’s important is to understand the signs of dehydration, since some people don’t even realise they’re dehydrated. These include increased thirst, dry mouth, constipation, fatigue, and headaches. Some people also keep an eye on their urine when they go to the loo. Your urine should be a pale yellow; the darker it gets, the more likely you’ll need more water.

Don’t forget to consider energy levels, too. Nutritionist Uta Boellinger says: “If you’re feeling tired and struggling to concentrate, it can be a sign of dehydration. And your skin is also a good indication, especially dry, cracked lips which signal a lack of hydration.”

It’s also worth figuring out the right amount of water for you. We’re told eight glasses a day, but some people may need more than this – for example, those who exercise frequently or drink coffee regularly.

“Dehydration causes brain functioning to slow down and can impede serotonin production, as well as increase stress hormones, and that can contribute to making your mental health worse”

Create healthy habits to ensure you drink regularly: this could be setting hourly reminders on your phone, or using a water tracker bottle. Don’t forget that it doesn’t have to be just water you focus on. Your food intake may count towards your water intake too, with water-rich foods including watermelon, cucumber, and lettuce. In turn, if you find it tricky to drink plain water, adding fresh fruit or cordial can make it more palatable.

If it’s the case of just forgetting to drink enough, try to take steps to force the habit initially.

“Something I often suggest is to have a glass or bottle by your bed in the morning, so it naturally becomes the first thing you do,” says Claire Elmes. “Or make sure you always have a glass of water with a meal. By implementing these small changes to encourage yourself to drink more water, they can eventually become habitual (it can take up to a month, so don’t give up!) and you may notice slight improvements in your day-to-day functioning and mood, and your ability to manage your mental health.”

It’s clear that getting enough water each day is a simple yet effective habit that supports your physical and mental health. Keeping track of your intake, drinking regularly, and looking out for the signs of dehydration, can be a great way to make sure you stay hydrated and reap the benefits of a glass of water.


To connect with a nutritionist, or learn more about the effects of dehydration on mental health, visit nutritionist-resource.org.uk

 

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Here Are A Few Life Lessons Worth Keeping Post-Pandemic

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Life is full of many transitions. True enough, we made countless shifts here and there brought about by the COVID-19 pandemic, and as the vaccines are being rolled out in pursuit of a virus-free environment, what have been some of the most valuable lessons we learned throughout the course of the global health crisis that we should keep?

In this post, I am talking going to talk about a few life lessons worth keeping post-pandemic. So, here are 6 straightforward life lessons that should still be in your bag even after the virus ceasefires:

6 Life Lessons Worth Keeping Post-Pandemic

COVID-19 has taught us many things, many of us have seen the worse. But it was humanity that went for a complete loss besides the global economy. I hope these lessons echo your thoughts.

Life Lessons Worth Keeping Post-Pandemic
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1.) Happiness is a mindset

In the grueling times of the pandemic, most of us had a hard time finding happiness in the conduct of our transformed lives especially when happiness meant living the best version of ourselves in the outside world. It is twice as hard when we had set a price tag for it like a new designer bag, a countryside trip with friends, or a party we waited nights for. The truth is that happiness is a mindset. It comes from within ourselves and not from external and superficial things and circumstances.

Quarantining at home may be far from our ideal living conditions and keeps us off our extensive list of wants but through time we learned the discipline to make the most out of what we have and willingly defer the things that can patiently wait. If we can keep ourselves grounded with this attitude even after the pandemic, we can embrace life with a newer perspective and mentally condition ourselves to be happy under all outward and underlying circumstances. And, this is one of the basic life lessons worth keeping post-pandemic.

2.) Absence makes the heart grow fonder

It was certainly heartbreaking having to keep a distance from our friends and family in light of the risks of contagion — most importantly when your predominant languages of love involve physical touch and acts of service. Post-pandemic, we already learned how to interplay not only these but all the other love languages: giving or receiving gifts, quality time, and words of affirmation to optimize our expression of affection. We, then, can already make up for our loved ones for the time we both missed and passed so to rebuild shared memories together again. 

3.) The greatest challenge is time

Through social media, we realized how quick life events can turn out to be. Family members grieving over loved ones who passed due to untriumphant COVID-19 battles. We learned how life can be taken away from us in a blink of an eye. Post-pandemic, we all should value time for others equally as our time for ourselves. Do everything while you may, while you can, and while you have the gift of time.

4.) Recognition is a form of gratitude

Essential workers who brave the risks to themselves just to serve have proven to be the current heroes of today’s times. The public manifested their appreciation by making signboards, participating in hashtags on social media, and even paying it forward by helping others in the form of soup kitchens or free meals. Others gave generous tips and extended many thank yous. It would be best to keep this trait alive even after the pandemic.

Also, it is not only those at the frontlines who we should recognize but also everyone who tries strives, and continues even if the times are tough and challenging. Recognitions increase personal morale, self-esteem, and motivation. Those things are what can push others, as well as ourselves, to their core, to do more, and go beyond. If we can light others’ paths in this way, we are forging a world where nothing is impossible.

5.) We can live with lesser stuff

Many of us found a love for decluttering. Time spent quarantining became worthwhile from putting away and donating things that might be more valuable and useful for others. It was one of the best life lessons worth keeping post-pandemic that we have learned to scale down purchases and store fewer things inside our homes.

Living with the minimalist principles gave us more freedom and this lifestyle is definitely worth keeping post-pandemic. Not only does this free up house space but also time, money, and resources. Living with less stuff still makes one feel complete and allows us to focus more on those that matter most — self-love and our relationships.

6.) Health is a true priority

Transitioning to post-pandemic life, we should also retain our self-care healthy habits. Shared social media posts inspired many to shift into a healthier lifestyle and transform their homes into their personal gyms. Online workouts, virtual meditations, and other remote physical activities to entertain oneself did not have a hard time penetrating the new normal life scheme.

One of the most importantlife lessons worth keeping post-pandemic, health is wealth. Value of health has been given emphasis during the pandemic since it was also campaigned by multiple health offices. Consequently, people followed through by submitting themselves to social distancing rules, hand hygiene practices, and maintaining a healthy lifestyle. Such practices led to giving oneself the needed peace of mind in these trying times of uncertainty.

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About the Author:

Bash Sarmiento is a writer and an educator from Manila. He writes laconic pieces in the education, lifestyle, and health realms. His academic background and extensive experience in teaching, textbook evaluation, business management and traveling are translated in his works.

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