Tuesday, December 18, 2012

Holiday Survivorship Skills


By Fresh Start Empowerment Specialist, Merle Salus-Halburg

1.        Allow yourself to be merely human


Be realistic.  Hold onto those most important rituals and know that some are not possible.  Avoid perfectionist expectations during the holidays.  Some things are not feasible.  If you really want to do all those holiday cookies, let go of the dusting.  Or do a cookie exchange and get a variety.  Try not to do it all yourself.

2.       Plan ahead


Sit down with your family and friends ahead of time to discuss and decide those activities, experiences and people that make the holidays special for you.  Decide to do a few special things with a few special people, not to do everything and see everybody.

3.       Set Limits


Tell your family, friends and yourself that you are on a “Stress Reduction Diet” this holiday season.  Remind others and yourself that you will not be over-doing, over-shopping, over-complying or over-worrying this year.  Put up signs around your house as reminders.
 

4.       Change “shoulds” to “wants”


Be aware of your own self statements.  We cannot live in the subjunctive mood.  “Shoulds” and “woulds” can be changed to what you really want to do.  Make those your priorities.

5.       Strive for a balanced lifestyle


This is a difficult time to get enough rest and exercise.  It is easy to overindulge.

Set exercise as a priority – it is an antidote to depression.

Learn relaxation techniques – meditation, deep breathing and progressive muscle relaxation are all antidotes to stress.  Aromatherapy is helpful.  Lavender is a calming scent.  Calming music is a stress reducer.

Don’t overdo the eggnog – alcohol is an antidote to nothing.
 

6.       Tell others clearly what you want and need for the holidays


Make realistic expectations of others so you will not be disappointed.
 

7.       Honor the old and create the new


Look back to the memorabilia of years past.  The photos and songs.  Some things may make sad feelings surface, so try and focus on the richness of your memories.  How did you celebrate holidays with your family of origin?  Take time to think of the evolution of holiday celebrations in your life.

8.        Be generous to yourself


What supportive and caring things are you doing for yourself this holiday season?
 

9.        Stick to a budget


Decide how much you can spend.  Donate to charity in someone’s name.  Have a gift exchange.  Start a holiday name pick to limit the number of gifts you must buy.  Go to thrift shops for some special items.
 

10.   Rethink your resolutions


Set yourself up for success not failure.  Make sure your resolutions are realistic.  You cant make up for several weeks of indulgence.  Choose resolutions that help you feel valuable and provide brief moments of happiness.  Try not to be too grandiose in those resolutions.  If you exceed what you planned, you will feel more successful.
 

11.   Allow yourself to feel the entire range of emotions on the holidays


It’s not crazy, but understandable to be sad.
 

12.   Seek professional help


If you are feeling overwhelmed, depressed, have trouble sleeping, are losing weight, have trouble concentrating or feel worthless, seek professional help.  These may be signs of depression that may need to be addressed with professional help.

This post was inspired by Zinner and Featherstone, with adaptations and additions by Salus-Herbig.

Monday, December 17, 2012

Stay on Top of Your Spending


In the days before credit cards, a lot of us used personal checks to pay for big expenses. And we were diligent about keeping track of every transaction in our checkbook ledgers.


Today, far fewer checks are written and more people are using debit and credit cards for daily purchases at retail outlets. If that describes you, what are you doing to keep track of your spending?


Start with a receipt


The convenience of being able to swipe a card through a reader to purchase gas, groceries or even a cup of coffee is a time saver. But don’t walk away without a receipt. It is the only evidence you have of the transaction occurring.

Once you have that piece of paper, keep a log of what you spend. Then compare your records against your bank statement to confirm that all transactions listed on the statement match.

If you are using a credit card, maintain a log (on paper or on your computer) and then check it against your monthly statement. Again, it is a way to make certain that all charges on your statement are legitimate.

Check your spending


One of the best ways to keep records of your debit and credit card purchases is to create a spreadsheet on your home computer. Keeping a running tally of how much you are spending using your cards each month can help you avoid overspending, which is easy to do with the convenience of plastic.

 

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Renée A. Hanson, CFP®, CEP®, CDFA™, CFS, is a private wealth advisor with Hanson, Ayala & Associates, a private wealth advisory practice of Ameriprise Financial Services, Inc. Her passion is in helping women achieve their dreams and financial goals, regardless of life’s many obstacles. Renée is licensed/registered to do business with U.S. residents only in the states of AZ, CA, CO, GA, IA, IL, MI, MN, MT, NH, NJ, NM, NY, OH, PA, SC, TX, VA, WA, WI. Please visit: www.reneehanson.com to learn more.

 

Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

 

© 2011 Ameriprise Financial, Inc. All rights reserved.

 

Friday, December 14, 2012

Twelve Days of Christmas - Menopause Style



By Ellen Dolgen a Health & Wellness Advocate, Menopause Awareness Expert, Author, Speaker, and health blogger.

Since the holiday season means getting together and partying with friends and family who may be going through "the change" (*cringe*) themselves, I thought it would be fun to reinvent the Twelve Days of Christmas. Who needs a partridge in a pear tree, two turtledoves, or five golden rings? Well, maybe that last one...

What I’m offering you is The Twelve Days of Christmas, Menopause-Style. Use this as a tool to share with friends, while you both stand barefoot in the snow, trying to cool off while simultaneously hoping that your twenty-something neighbour doesn’t catch you. Laughter might be your best defense against the possibility of such encounters as the line-budger, the road-rager, the last-20-pound-turkey-grabber, or your husband who is annoyingly as crisp and cool as a cucumber, despite the fact he was just cutting firewood...

*Ahem!*

1. On the first day of Christmas, my true love (some might say vodka, but whatever) gave to me: a special pad in which I could pee...

2. On the second day of Christmas, my true love gave to me: two ice packs and a special pad in which I could pee...

3. On the third day of Christmas, my true love gave to me: three big fans, two ice packs and a special pad in which I could pee...

4. On the fourth day of Christmas, my true love gave to me: four memo pads, three big fans, two ice packs and a special pad in which I could pee...

5. On the fifth day of Christmas, my true love gave to me: five pairs of tweezers...four memo pads, three big fans, two ice packs and a special pad in which I could pee...

6. On the sixth day of Christmas, my true love gave to me: six tubes of lube, five pairs of tweezers...four memo pads, three big fans, two ice packs and a special pad in which I could pee...

7. On the seventh day of day of Christmas, my true love gave to me: seven bars of chocolate, six tubes of lube, five pairs of tweezers...four memo pads, three big fans, two ice packs and a special pad in which I could pee...

8. On the eighth day of Christmas, my true love gave to me: eight bottles of hormones, seven bars of chocolate, six tubes of lube, five pairs of tweezers...four memo pads, three big fans, two ice packs and a special pad in which I could pee...
 

9. On the ninth day of Christmas, my true love gave to me: nine pairs of Spanx, eight bottles of hormones, seven bars of chocolate, six tubes of lube, five pairs of tweezers...four memo pads, three big fans, two ice packs and a special pad in which I could pee...

10. On the tenth day of Christmas, my true love gave to me: ten pairs of earplugs, nine pairs of Spanx, eight bottles of hormones, seven bars of chocolate, six tubes of lube, five pairs of tweezers...four memo pads, three big fans, two ice packs and a special pad in which I could pee...

11. On the eleventh day of Christmas, my true love gave to me: eleven pills for sleeping, ten pairs of earplugs, nine pairs of Spanx, eight bottles of hormones, seven bars of chocolate, six tubes of lube, five pairs of tweezers...four memo pads, three big fans, two ice packs and a special pad in which I could pee...

12. On the twelve day of Christmas, my true love gave to me: twelve aphrodisiacs, eleven pills for sleeping, ten pairs of earplugs, nine pairs of Spanx, eight bottles of hormones, seven bars of chocolate, six tubes of lube, five pairs of tweezers...four memo pads, three big fans, two ice packs and a special pad in which I could pee...

*Whew!*

Happy holidays, everyone! How many more verses can YOU come up with?

Remember: Reaching out is IN! Suffering in silence is OUT!


Ellen is the author of Shmirshky: The Pursuit of Hormone Happiness -- a cut-to-the-chase book on perimenopause and menopause that's filled with crucial information, helpful guides, and hilarious and heartfelt stories. Known for her humor, compassion, and sassy personality, Ellen has appeared on numerous television and radio broadcasts, including: the Rachael Ray Show, The Doctors, Oprah Radio, Playboy Radio, “Tell Me More" on NPR, Doctor Radio, and dozens of other regional and national media outlets. Ellen is a frequent guest on the popular radio show, "Broadminded," on Sirius XM Radio (Stars XM 107) and is a regular contributor on Huff/Post 50 along with blogging for many leading women’s health sites. Ellen has dedicated herself to women’s wellness through a wide breadth of activities ranging from being a founding board member of the UCSD Student Wellness Center, working with pharmaceutical companies in helping them to effectively address women’s health needs, serving on hospital advisory boards, and advocating for cardiovascular health.
Ellen’s motto is: Reaching out is IN! Suffering in silence is OUT!
 
 
For more from Ellen Dolgen:
Visit her at EllenDolgen.com and subscribe to her Menopause Mondays newsletter. 
Follow Ellen Dolgen on Twitter: www.twitter.com/@EllenDolgen.
Like Ellen Dolgen on Facebook:  http://www.facebook.com/Shmirshky.

Thursday, December 13, 2012

I Don't Want to be a Perfect Mom But I Want to be a Better One


Written by Adrienne Bolton, reposted from www.themommymess.com
I can't be the mom I want to be, if I just keep doing the same things wrong.

I'm a good mom, and I love my kids more than life itself. But, I want to be a mom that doesn't yell. A mom that doesn't appear to be angry or aggravated. I want my kids to grow up knowing they brought me joy each and every day. I want them to look back and picture me smiling instead crying.

I know I'm a good mom, but a good mom can behave badly.

Sometimes motherhood just sucks the life right out of me. It can be exhausting to be stuck in a "mom rut." The kids aren't listening, hubs doesn't get it, and tomorrow I will wake up and do it all again.

Sure, I need a break. Who doesn't? But, it's more than getting an hour to myself and a pedicure. I need change. Let me rephrase that: *I* need *to* change. I need to suck it up, put on my big girl pants, and start acting like the mom my kids need.

Motherhood is not about me, it's about my kids.

On Monday, I had a trying day with my youngest. I yelled. a lot. He cried. a lot.

He's only seven. How can this be? I'm crushing him with my lack of parenting skills.

When things calmed down, I tried to let him tell me how he was feeling. Even though I didn't agree with the "why" of his feelings, I recognized them. He's entitled to feel anyway he wants. His feelings are based on his perceptions. If he thinks I'm angry at him all the time I have to ask myself what I'm doing to contribute to this perception.

When our kids aren't minding us or just being rotten, it's hard to put their behavior aside and take a look in the mirror.

I could have told him I wasn't angry, or tried to explain why I get frustrated that I have to tell him the same things over and over. Or? I could try something different.

I could really listen to what he's trying to tell me. It doesn't matter if I agree. It matters that I listen. When I really took the time to let him talk, I realized he's trying to tell me he's hurting. His little heart hurts just like mine.

Really listening meant that I had to sit there as he went on and on about how mean and scary I am. Of course, I don't really think I'm mean and scary, but he's seven. Again, he's entitled to think that. Usually, I interrupt him when his dramatics get out of hand and I feel like I have to defend myself, but this time, I just sat there. Instead of trying to correct his perception and convince him I'm nice, I accepted it that he didn't think so at that moment.

I promised him I would try not to yell anymore. I told him I'm sorry it hurts his feelings and scares him. I told him sometimes I just don't know what else to do, so I yell. It's sort of like a broken tool that doesn't work.

I didn't yell today.

At the end of the day my son came skipping down the hall into my room and said, "Mommy, I believe you now. I believe you're trying."

I don't want to be a perfect mom, but I want to be a better one.

Adrienne Bolton
Writer/Blogger
Connect with me:
www.themommymess.com
http://www.facebook.com/TheMommyMess

Wednesday, December 12, 2012

Tips for Gifts That Won't Break the Bank


Written by Dr. Bria Jones, PMP, Author, Speaker and Educator

The holidays can be a difficult time for many families. Instead of focusing on the quality family time, we often focus on the “gift-giving” rituals. This can lead to poor financial decision-making or depression when we don’t have the funds to buy a gift for all our love ones. However, it doesn’t have to be that way!  With simple things around the house you can make very special home-made gifts that will bring joy.  I would like to share a few ideas for gifts that won’t break the bank.

Unique Candles

Directions: You can find wicks and a block of wax at your local craft store for a reasonable price. Or, recycle old or partially used candles to fill the container. Place a wick in an old tea cup, glass or jar and fill with wax. Add a ribbon, beads or bow and you have a special gift for all the women in your life. Add the wax to a shot glass or beer mug and it’s perfect for the men.

A Jarful of Goodies

Do you have a special recipe? Add the dry Ingredients for Cookies/Soups/Beans to jar and add a hand-made label, ribbon or sticker. Then, write the mixing and cooking instructions onto a small card/tag and attach with ribbon.  I like to add a cookie cutter to my sugar cookie recipe. Everyone, young or old, will enjoy this gift!

Love-in-a-box

This is the simplest idea of them all. Recycle your favorite fabric, wrapping paper, newspaper, or old book pages for this project. Wrap a small box.  Then, attach a hand written message such as the ones below or write your own.

Message 1: 
Message 2:
“This is a very special gift
That you can never see
The reason that it's special
It's just for you from me
Whenever you are lonely
Or when you're feeling blue
You only have to hold this
gift and know I think of you
You never can unwrap it
Please leave the ribbon tied
Just hold this box close to your heart
It's filled with love inside"
"I'm giving you a present,
It's my love inside a box.
It's not too much to look at,
But it's the best I've got.”
 

 
As a life-long crafter, I could list many more. Instead, I will share a few of my favorite websites for inexpensive gift ideas:




 
About Dr. Bria Jones:  As an author, she blends personal wisdom with her professional insight to motivate positive changes and produce dramatic results. Dr. Jones is also a passionate, compelling speaker and workshop presenter. She is sought after by corporations, professional associations and non-profit groups both nationally and internationally. Dr. Bria is the author of several books and games: The Official Parent’s Handbook: Spare the rules, spoil the child; and Like Shopping For Shoes. Dr. Jones is a blogger for Like Shopping for Shoes, and WeHelpWomen.com. Learn more about Dr. Jones at www.drbria.com or email her at drbria93@gmail.com.

Tuesday, December 11, 2012

Commitment v.s Enjoyment - Striking the Right Balance


Are you wracked with guilt when you indulge in a non-essential luxury? On the other hand, do you feel deprived when you forego a tempting treat to stay on track with your savings plan?  You’re not alone. The challenging economy has left many people struggling to enjoy their hard-earned money while staying committed to their financial goals. Here are some ideas for striking the right balance.

 

Plan ahead.  If you plan your vacation or purchase well in advance, it will seem less extravagant.  Set a savings goal and determine a time frame to reach it.

 

Establish a realistic budget.  Live within a budget that allows for some recreational spending.  That way you can enjoy an occasional well-deserved night on the town without blowing your budget.

 

Schedule time to enjoy your money.  With today’s fast-paced lifestyles, it’s more important than ever to stop and smell the roses occasionally.  You’ll feel a greater sense of accomplishment if you plan to spend some of your leisure dollars recharging your battery.

 

Maintain spending discipline.  Have you ever walked into a store with no intention of buying an item that you find irresistible – and on sale?  To avoid the impulse to buy, weigh carefully the value of your potential purchase and compare the importance to the goal you may jeopardize by making it.

 

Monitor your progress against your goals.  When you see that you’re making progress toward your goals, it makes an occasional indulgence easier to swallow.  I’m always available to talk about ways to balance your financial life. That way you can enjoy what life has to offer today, yet be prepared for a comfortable future.

 

 

Renée A. Hanson, CFP®, CEP®, CDFA™, CFS, is a private wealth advisor with Hanson, Ayala & Associates, a private wealth advisory practice of Ameriprise Financial Services, Inc. Her passion is in helping women achieve their dreams and financial goals, regardless of life’s many obstacles. Renée is licensed/registered to do business with U.S. residents only in the states of AZ, CA, CO, GA, IA, IL, MI, MN, MT, NH, NJ, NM, NY, OH, PA, SC, TX, VA, WA, WI. Please visit: www.reneehanson.com to learn more.

 

Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

 

© 2011 Ameriprise Financial, Inc. All rights reserved.

 

Thursday, December 6, 2012

How to Handle Invitations from Rich Friends

Written by Renee Hanson, Personal Wealth Advisor

No matter how much money you have, you likely have a friend — or a few friends — who have more. Many people have questions about how to handle invitations from friends who have more discretionary income. Here are a few tips that can help:

 

·         Set an entertainment budget — And then choose your activities carefully. You know yourself best. So, decide whether you’d enjoy participating in a couple of pricier events instead of several more moderately priced events or vice versa and RSVP accordingly.

 

·         Don’t feel obligated to say yes — Realize that it’s okay to say no without offering a specific reason. For example, say, “Thanks for the great invite. Unfortunately, I’ve got another commitment that I can’t break. So, have fun and be sure to tell me how the [concert, dinner, game, etc.] was afterward.”

 

·         Initiate invitations —Be proactive and invite your wealthier friends to go to events within your price range. And, consider activities that cost little to nothing and still allow you to connect with each other, for example, a walk, bike ride or run. Or dinner at a local burger or pizza joint that serves award-winning fare at reasonable prices.

 

·         Keep things in perspective — Not everyone who spends money more casually or freely than you do actually has more money. Despite appearances, those individuals may be living paycheck to paycheck without adequate cash reserves or retirement savings, which means you’re better positioned over the long term.

 

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Renée A. Hanson, CFP®, CEP®, CDFA™, CFS, is a private wealth advisor with Hanson, Ayala & Associates, a private wealth advisory practice of Ameriprise Financial Services, Inc. Her passion is in helping women achieve their dreams and financial goals, regardless of life’s many obstacles. Renée is licensed/registered to do business with U.S. residents only in the states of AZ, CA, CO, GA, IA, IL, MI, MN, MT, NH, NJ, NM, NY, OH, PA, SC, TX, VA, WA, WI. Please visit: www.reneehanson.com to learn more.

 

Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

 

© 2011 Ameriprise Financial, Inc. All rights reserved.

 

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