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Credit Tips: Simple Steps to a Bold New You

Credit Tips: Simple Steps to a Bold New You

Credit is definitely a complicated topic, but one thing it doesn’t have to be is difficult. If you’re looking for ways to repair your credit score, there are a few simple steps you can start taking today that will have you well on your way to a bold new you.

Check That Credit Score Regularly

Everyone knows that you can get a free copy of your credit report once a year… but how many people actually take advantage of it? Getting into the habit of pulling your own credit report as often as you can isn’t just motivation in that you get to see how far you’ve come, but you also have the opportunity to check for any errors that may be harming your score. Always verify the amounts listed for open accounts and make sure they’re correct. If they’re not, dispute them as soon as you can.

Think Of Your Credit Card Like a Debit Card

Many people don’t realize that you’re not limited to making a payment on most credit cards once a month. You can typically pay once a day unless the terms and conditions of your agreement specify otherwise. If this is an option available to you, you should definitely take it. Start thinking of your credit card like a debit card – only spend what you have in cash and submit a payment as soon as you can.

This will not only get you in the habit of paying your bills on time, but the increased activity will help your credit score AND if you pay your balance in full as you accrue it you won’t get hit with interest charges, either.

Spread the Love

If you have multiple credit cards, don’t rely on anyone too heavily. Generally speaking, it’s good to keep your debt utilization at between 20% and 30% – both in terms of your overall credit and on specific cards. Even though there’s not technically a difference in the amount of money you owe at a given time, spreading out charges among several cards and keeping debt utilization on any one as low as possible can still give a short-term boost to your scores. 

The Best HEALTHY Road Trip Snacks for Soccer Moms

The Best HEALTHY Road Trip Snacks for Soccer Moms

The life of a soccer mom is always a busy one, as just when you’ve crossed one event off today’s list you’ve got to start getting ready for the next. As a soccer mom, snacking on a road trip is a way of life – but the difference between a snack and a healthy snack is a pretty big one. Before you get the van packed for that next big trip, there are a few key items you’ll definitely want to bring with you.

Fruit, Fruit and More Fruit

Whether you’re trying to pack a snack for yourself or the whole team, the importance of embracing fruits cannot be overstated enough. Orange wedges, sliced watermelon wedges and whole bananas aren’t just easy to prepare in large numbers, but they also travel well – a characteristic you no doubt place a pretty high priority on. The fact that they’re also filled with the right types of healthy sugars (perfect for that last minute energy boost before practice or a game) doesn’t hurt, either.

Homemade Muffins and Granola Bars

These check a few different boxes, all at the same time. First, they’re easy to prepare and again – you don’t have to worry about them going bad, regardless of how long the road trip is. More importantly, they’re also “filling but not too filling,” effortlessly hitting that sweet spot to hold you (or an entire team of young soccer all-stars) over until that next proper meal. These are options that are also packed with carbohydrates that will help keep those energy levels high and they’ll also do some great things for the metabolism, too.

Baby Carrots

This one may seem a little off the wall, but it actually makes a great deal of sense. Baby carrots aren’t just crunchy and tasty, but they’ve also got a huge number of nutritional benefits. They’re a terrific source of not only fiber and vitamin K, but also potassium and antioxidants as well. Carrots are also an anti inflammatory, guaranteeing that you’ll want to keep a few of these around for a nice snack after the game for the kids. Many local grocery stores even sell them in individual, single portion packages, making them quick and easy.

Easy Workplace Health Hacks for Busy Professionals

Easy Workplace Health Hacks for Busy Professionals

Can you guess one reason why the obesity rate in the United States has doubled over the past 35 years? If you said, “desk jobs”—you’re right. Obesity experts cite the severe decline in physical activity during the workday as one of the primary reasons 36.5 percent of U.S. adults are obese.

Not only is our workday sedentary, many of us have long commutes to the office. Would it surprise you to learn that the typical American commuter spends nearly the equivalent of a 40-hour workweek in traffic every year? A 2012 study found that greater commuting distances are associated with “decreased cardiorespiratory fitness, increased weight, and other indicators of metabolic risk.”

Combine this with our unlimited TV options, video games, and increasingly web-centric lifestyle, and it’s easy to see why many of us spend most of our lives sitting. When the large muscle groups in your legs and back are inactive during long periods of uninterrupted sitting, you put yourself at risk for a number of health problems:

  • A slowed metabolism that leads to excess weight and obesity.
  • Increased blood pressure.
  • Abnormal cholesterol and triglycerides levels.
  • High blood sugar and Type 2 diabetes.
  • Increased risk of death from cardiovascular disease.
  • Increased risk for certain cancers.
  • Muscle degeneration.

So what’s a mostly sedentary professional to do in order to safeguard herself against the effects of a workplace that encourages inertia?

Just a few minutes of movement every hour

You might think that the hour-long walk or run you take after dinner makes up for all that sitting, but studies show this is not the case. Even regular vigorous exercise can’t offset the health risks caused by hours of sitting.

The Mayo Clinic’s James A. Levine, M.D., Ph.D., originator of the term “sitting is the new smoking” and treadmill desk inventor, explains that the muscle activity you use just to stand up “seems to trigger important processes related to the breakdown of fats and sugars within the body.”

Try these easy at-work tweaks:

  • Use a standing desk, or improvise with a high table or counter.
  • Stand while talking on the phone, eating lunch, or having meetings.
  • Sit on an exercise ball instead of your desk chair to strengthen your core, improve balance and flexibility, and burn more calories.
  • Walk whenever you can. Reply to your colleagues’ emails in person. Conduct walking meetings. Enlist a partner for daily walks at lunch. Park far away from the building. Always take the stairs.
  • Perform calf raises while waiting for copies.

Workplace fitness equipment

If you prefer something more high tech, you’ll find numerous exercise gadgets designed to help busy professionals stay in motion during office hours.

  • The Cubii under-desk elliptical trainer lets you move your legs discreetly while tracking your progress on a mobile app.
  • A mini exercise bike lets you talk on the phone and peddle away. Place the bike on a tabletop, and work your arms and shoulders.
  • Use small hand weights or resistance bands to perform gentle stretching.
  • Slip on ankle weights for under-desk leg lifts.
  • Program a fitness tracker or smart watch to buzz when you’ve been inactive for 55 minutes.

Hydration and nutrition

Drinking enough water at work aids weight loss, staves off hunger, and gives you another reason to get up and walk to the bathroom. Bring your own bottle, and keep it refilled throughout your day.

Pack nutritious snacks to help you resist high-fat, sugar-laden office treats. Opt for raw nuts, fresh fruits, protein bars, and string cheese to keep your blood sugar stable and your energy high.

Remember: staying healthy and fit at work can be as simple as taking a minute-long break every hour. Incorporating short bursts of physical activity during mini breaks makes a significant difference and can help lower your blood sugar, triglycerides, cholesterol, and waist size.

Log More Zzzs—Lose More Lbs.

Log More Zzzs—Lose More Lbs.

Doesn’t it seem as if there’s always something conspiring against humans to deprive us of a good night’s sleep? Once we discovered that electricity was controllable, we invented the incandescent light bulb, the TV, the internet, email, and our beloved smartphones. Our modern conveniences clamor for our attention, compete with our downtime, and cut into our much-needed Zzzs.

Are you constantly on high alert and unable to unwind at night? Are you also struggling to lose weight or keep it off? Read on. You might be surprised to know that there’s a strong connection between your sleep-deprived state and your waistline.

“Insufficient sleep is a public health problem” (Centers for Disease Control and Prevention)

Most human adults need between 7 and 9 hours of sleep per night, and school-aged children (aged 6 to 13) need 9-11 hours. Unfortunately, 30 percent of American adults log 6 or fewer hours, according to the CDC.

Interestingly enough, more than one-third of Americans are obese. Obesity experts believe that consistently getting enough sleep is as important to your health as regular exercise and a balanced diet. To illustrate the crucial role that quality sleep plays in battling obesity, let’s look at the results of some prominent studies.

1) Improved sleeping reduced fat accumulation in adults

A six-year-long study funded by the Canadian Institutes of Health Research found that when individuals who were sleeping less than 6 hours per night improved their sleep habits and logged 7-8 hours of sleep, they reduced their waistline by an average of 2 inches compared to those who did not change their sleeping behavior.

Why it’s important: Abdominal, or belly, fat is a known risk factor for cardiovascular disease, colorectal cancer, high blood pressure, insulin resistance, and Type 2 diabetes. As Mayo Clinic explains, belly fat is not just a layer of extra padding below your skin—it includes visceral fat, which surrounds your internal organs.

2) Multiple children’s studies show relationship between sleep and weight

Numerous studies have found that short sleep times are associated with childhood and adolescent obesity. A paper published in The Journal of Pediatrics showed that preschool-aged children who observed early bedtimes (8:00 p.m. or earlier) were half as likely to have adolescent obesity as preschoolers with late bedtimes (after 9:00 p.m.).

Why it’s important: Childhood obesity takes a tremendous toll on developing bodies and psyches. Obese youth are more likely to have high blood pressure and high cholesterol, both risk factors for cardiovascular disease. Like adults, they often experience impaired glucose tolerance leading to insulin resistance and Type 2 diabetes, as well as breathing problems, joint problems, and digestive system diseases.

3) Other reasons to prioritize sleep every night

Researchers at Cedars-Sinai Medical Center discovered that even just one night of fewer than 7 hours of sleep impaired insulin sensitivity in dogs as much as six months on a high-fat diet. Additional studies on humans show sleep deprivation can:  

  • Make you feel hungrier the next day by altering the appetite- and metabolism-regulating hormones, leptin and ghrelin.
  • Make you more efficient at storing fat.
  • Cause strong cravings for carbohydrates, fats, and calorie-rich comfort foods that lead to weight gain.
  • Lower your cognitive ability to make healthy food choices and weaken your impulse control.
BEST DIY Pain Relief Solutions You’ll Find In Your Home?

BEST DIY Pain Relief Solutions You’ll Find In Your Home?

We all are at some point in our lives affected by pain. Sometimes it can go on its own and sometimes we may need to use over the counter medication to quell the pain. Irrespective of what type of pain is affecting you, you are likely to become less active and may not enjoy family time or even work.

However, sometimes rushing to the hospital or taking medication can be your last option expressly if you are at home. That is because most of the products and ingredients we use at home can act as pain relievers. Here are some of those amazing pain relief solutions you can use at home.

1. Fish oil

Fish oil plays a significant role in pain relieving as it contains anti-inflammatory properties. Research has shown that taking 1200 milligrams of fish oil supplements and docosahexaenoic and eicosapentaenoic acid can relieve inflammatory pain like back pain or neck pain. So if you have that pain that just doesn’t go away, ditch those painkillers and grab that fish oil bottle in your kitchen and start using it.

2. Turmeric

Also known as Curcuma longa, turmeric is a popular ingredient in our kitchen and widely used in cooking due to its health benefits to the human body. Turmeric also has excellent anti-inflammatory properties to help soothe the pain. Prolonged use of turmeric gradually elevates chronic pain, particularly in seniors who may complain about back pain, knee pain, or headache.

3. Ice 

Using ice as a pain reliever is a common practice for most people, especially those with young children. Using ice on small burns, and swellings or bruises on kids after a fall works excellently as ice reduces swelling. When knocked or hit by an object, the pain is usually sharp and makes you feel hot–that is why you sweat when in pain. Ice plays the role of cooling the painful area. Alternatively, a bag of frozen corn or peas does the magic.

4. Make use of your orange- lime juice.

Did you know that simply taking orange juice can help reduce pain? Well, oranges and limes contain vitamin C, which not only sweeps the body of destructive free radicals which can be harmful to the joints but also a significant component of the joints. Studies showed that individuals who take high levels of vitamin C are less likely to have joint pain! Now you know.

5. The heat therapy

The same way heat kills germs is the same way it curbs pain. In fact, cold and heat therapy goes hand in hand. The heat therapy, however, works well when combined with salt. A hot Epsom salt bath changes the nervous input and soothes both the body and the brain. This therapy is best used for people with lingering back spasms and not acute injuries.

6. Resveratrol.

Definitely not in your home. Right? Wrong. If you have taken berries, grapes, or red wine before, then you must have ingested Resveratrol. It is popularly known for its many beneficial effects like life-prolonging, anti-cancer, brain protective, and recently has been said to have some pain relieving properties.