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8 Simple Ways To Save Money

Sometimes the hardest thing about saving money is just getting started. This step-by-step guide on how to save money can help you develop a simple and realistic plan to save for goals, big or small.

1. Record your expenses

The first step to saving money is to figure out how much you spend. Keep track of all your expenses—that means every coffee, household item and cash tip. 

2. Make a budget

Once you have an idea of what you spend in a month, you can begin to organize your recorded expenses into a workable budget. Your budget should outline how your expenses measure up to your income—so you can plan your spending and limit overspending. 

3. Plan on saving money

Now that you’ve made a budget, create a savings category within it. Try to save 10 to 15 percent of your income. If your expenses are so high that you can’t save that much, it might be time to cut back. 

Tip: Consider the money you put into savings a regular expense, similar to groceries, to reinforce good savings habits.

4. Choose something to save for

One of the best ways to save money is to set a goal. Start by thinking of what you might want to save for—perhaps you’re getting married, planning a vacation or saving for retirement. Then figure out how much money you’ll need and how long it might take you to save it. 

5. Decide on your priorities

After your expenses and income, your goals are likely to have the biggest impact on how you allocate your savings. Be sure to remember long-term goals—it’s important that planning for retirement doesn’t take a back seat to shorter-term needs. Learn how to prioritize your savings goals so you have a clear idea of where to start saving. 

6. Pick the right tools

If you’re saving for short-term goals, consider using these FDIC-insured deposit accounts:

  • Savings account
  • Certificate of deposit (CD), which locks in your money for a fixed period of time at a rate that is typically higher than savings accounts

For long-term goals consider:

  • FDIC-insured individual retirement accounts (IRAs), which are tax-efficient savings accounts
  • Securities, such as stocks or mutual funds. These investment products are available through investment accounts with a broker-dealer. Remember that securities are not insured by the FDIC, are not deposits or other obligations of a bank and are not guaranteed by a bank. They are subject to investment risks, including the possible loss of your principal.

Tip: You don’t have to pick just one account. Look carefully at all of your options and consider things like balance minimums, fees and interest rates so you can choose the mix that will help you best save for your goals.

7. Make saving automatic

Almost all banks offer automated transfers between your checking and savings accounts. You can choose when, how much and where to transfer money or even split your direct deposit so a portion of every paycheck goes directly into your savings account. 

8. Watch your savings grow

Review your budget and check your progress every month. Not only will this help you stick to your personal savings plan, but it also helps you identify and fix problems quickly. These simple ways to save may even inspire you to save more money every day and hit your goals faster. 

Read more athttps://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/ways-to-save-money

Ask your doctor questions

If you made an appointment to see the doctor for a check-up or a health care concern, we congratulate you. When you're at the office remember to speak up if you have a question. Don't be shy.

Not sure what to ask? Start with these three simple questions from the Ask Me 3 patient education program.

  • What's my main problem?
  • What do I need to do?
  • Why's it important for me to do this?

Keep asking questions until you understand the answers. People who understand their doctor's instructions make fewer mistakes when they take their medicine or get ready for a medical procedure. They may also get well sooner or be able to better manage their health condition.

 

Deprivation Nation: How Lack of Sleep Can Lead to Diabetes

The Connection Between Sleep and Diabetes

Here's what we know: Diabetes arises when the body can't properly break down blood sugar, aka glucose, leaving your cells starved for energy. One thing that greatly increases your chances of a blood-sugar malfunction is being overweight. Excess fat makes it harder for cells to properly use insulin, a hormone that helps keep glucose levels normal.

So what does sleep have to do with any of this? "When you don't get enough, your body appears to require more insulin to maintain normal glucose levels," says James Herdegen, MD, medical director of the Sleep Science Center at the University of Illinois in Chicago. "Sleep deprivation seems to alter the sympathetic nervous system — the body's stress-control center — and hormonal balances, all of which affects glucose regulation." Eventually, sleeplessness causes insulin-producing cells to stop working properly, elevating glucose levels and leaving you wide open to diabetes.  Read more at: https://www.fitnessmagazine.com/health/conditions/diabetes/lack-of-sleep-can-lead-to-diabetes/

 

Health Tip: Prevent Heel Pain

(HealthDay News) -- The heel is the largest of 26 bones in the human foot, the American Podiatric Medical Association says.

Heel pain is typically caused by heel spurs, plantar fasciitis or achilles tendinitis.

The association offers these suggestions to avoid heel pain:

  • Wear shoes that fit well front, back and sides; have shock-absorbent soles, rigid shanks and supportive heel counters.
  • Wear the proper shoes for each activity.
  • Do not wear shoes with excessive wear on heels or soles.
  • Before exercising, warm up and stretch.
  • Pace yourself when you participate in athletics.
  • Lose extra weight.

 

 

For healthy teeth, don't brush after eating

 

For healthy teeth, don't brush after eating!

Don't brush your teeth immediately after meals and drinks, especially if they were acidic. Acidic foods—citrus fruits, sports drinks, tomatoes, soda (both diet and regular)—can soften tooth enamel "like wet sandstone," says Howard R. Gamble, immediate past president of the Academy of General Dentistry. Brushing your teeth at this stage can speed up acid's effect on your enamel and erode the layer underneath. Gamble suggests waiting 30 to 60 minutes before brushing.

 

To wear a smaller size, gain weight

Muscle weight, that is. If two women both weigh 150 pounds and only one lifts weights, the lifter will more likely fit into a smaller pant sizethan her sedentary counterpart. Likewise, a 150-pound woman who lifts weights could very well wear the same size as a 140-pound woman who doesn't exercise. The reason: Although a pound of fat weighs the same as a pound of muscle, muscle takes up less space, says Mark Nutting, fitness director of SACO Sport & Fitness in Saco, Maine. "You can get bigger muscles and get smaller overall if you lose the fat," he says. "The bulk so many women fear only occurs if you don't lose fat and develop muscle on top of it." Cut back on calories and add weight to your workout to lose inches. https://www.health.com

                                                                 To wear a smaller size, gain weight

     

 

Six Tips for Safe Stretches

 


Stretching is a great way to improve your flexibility and avoid muscle soreness after a workout. Using these tips can ensure you’re stretching safely and protecting your muscles and joints at the same time.

  1. Warm up first. Muscles stretch more easily when they’re warm. To warm up, you can walk in place for give minutes or even dance to a few songs. Moist heat packs or a warm shower are other great ways to warm up quickly. 
  2. Avoid pain. Stretch only to the point of mild tension, never to the point of pain. If a stretch hurts, stop immediately! Check the instructions and start from the beginning. 
  3. Pay attention to posture and good form. Posture counts whether you’re sitting, standing, or moving. Good form while stretching can translate to good form while you’re lifting weights, which means you have a lesser chance of injury. 
  4. Focus on the muscle being stretched. You’ll notice that one side of your body often is tighter than the other. Work on balancing this over time. 
  5. Breathe. For most stretches, you can just breathe normally. Sometimes, though, it is better to use yoga breathing or practice meditation while stretching to pass the time. 
  6. Practice often. You’ll make the most progress through daily stretching. At the very least, your goal should be to stretch at least two to three times per week.

Source: Harvard Health