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Learn the basics

LEARN THE BASICS

Ease anxiety with this body scan

We all want peaceful relationships with friends and family, but even the healthiest bonds will have times of conflict. And while it’s natural to want to push those uncomfortable feelings away, bringing attention to them actually helps the emotions move through you. The result? You bring more peace to your relationships, which helps them thrive.

Practice accepting challenging emotions with this soothing, five-minute body scan from AbleTo.

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Source:   AbleTo, April 2020

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Healthy boundaries, healthy relationships

We all feel overwhelmed at times by personal and professional obligations. But for some of us, it’s actually a struggle to say no when we really want to. Feelings of guilt, fear of being seen as selfish, and discomfort over letting others down can make it hard to do what’s best for ourselves. But when we take on too much or don’t put ourselves first, it can be hard to maintain healthy boundaries — the very thing that can keep us from burning out. Boundaries can also help us create healthy relationships by setting limits on our time and energy.

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We choose our relationships with significant others and friends, but we can’t choose relationships with family and coworkers. Whether we choose them or not, having healthy relationships at any age helps improve our mental health, provides social support and reduces stress. In order to build a healthy relationship, we need to have:

  • Awareness — Be present and engaged during conversations. Show respect for others and their opinions, even if you don’t agree. Expect the same from others.
  • Balance — Give enough support and time to relationships you value. Be conscious of how much energy you give to others, remembering to leave some for yourself.
  • Communication — Demonstrate active listening by not interrupting and asking relevant questions. Use body language to show you’re engaged.

Beyond maintaining healthy boundaries and relationships for yourself, it’s important that children of any age understand what’s healthy and what’s not. Through relationships, children learn how to think, understand, communicate, behave, express emotions and develop social skills.

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Learn the basics

LEARN THE BASICS

How to overcome or avoid student loan debt

Do you have student loan debt, or are you considering a student loan for yourself or a loved one? If so, getting the facts and using resources available through your Costco benefits can help you make the right decision about something that can affect you for years to come. The average college student graduates with $35,000 in student loan debt, with an average monthly payment of $393, according to EducationData.org.

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What to consider before you take on a student loan:

Good debt? Not so fast — the conventional wisdom that student loan debt is “good debt” is being challenged. Don’t let the allure of a dream school disrupt your financial well-being. Select a school you can afford. If you are unsure about the best path for you, consider starting with a community college or an associate’s degree. Taking this route first can save money while you figure out what’s next.

Do the math — people often don’t anticipate how quickly debt adds up over the years. Then the regret sets in. About one in four of those with a bachelor’s degree have misgivings about taking on student loans. That number jumps to almost one-third of those who’ve earned a master’s degree. Advanced degrees can help students achieve long-term success, but it’s a good idea to explore in-state options over out-of-state if you decide to take this route.

Look down the road — be sure to do the research on earning potential for the career you are interested in pursuing. Set yourself up for success by not burdening yourself with student loan debt that a future salary can’t support.

Already have student loans? There is a student loan resources page on Costcobenefits.com to help you tackle student debt.

 

Source: Average Student Loan Payment, EducationData.org, 2021.

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Learn the basics

LEARN THE BASICS

Food and fitness changes that add up

We’ve all heard that it’s the little things that count. The saying is also true for losing weight and improving overall health. Because the more you’re able to make small, positive changes stick in your daily life, the more likely you are to meet your goal. The secret? Go with what feels right for you. There’s no one-size-fits-all eating or exercise plan.

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Consider the following tips to help you make small (but meaningful)
steps toward lifelong health
Forget diets
Whether low fat or high protein, most eating plans involve rigid rules and taboo foods — an approach that’s hard to sustain. Set yourself up for success by striving to eat primarily whole foods in moderate portions. Try these tips to stay on track.

  • Visit the farmers market to pick up delicious, seasonal fruits and veggies. You may even discover new favorites.
  • Partner with a friend or family member to help keep you accountable and support you with your nutrition goals. Try swapping fresh, healthy recipe with them.
  • Tote baby carrots, an apple or unsalted nuts with you during the day so you’re less tempted to indulge in unhealthy convenience foods.
  • Reward yourself for sticking to your commitment to making positive changes.
Get moving
Too often, exercise slips down our list of priorities when our schedule gets busy. Here are a few tips to reframe thinking about exercise as ‘one more thing to do,’ and instead, to look at it as a fun and sustainable part of your life.

  • Combine movement with things you really want to do, like playing soccer with your family or catching up with friends over a long walk.
  • Put on some music or a favorite TV show. Moving to your favorite song can energize you and make exercising more enjoyable. Try doing body weight exercises during commercials like squats, lunges or planks. You could even make it a fun family challenge to see who can do the most.
  • Find an environment where you can truly enjoy moving your body. Some people like to go to a park, group class or public gym to get a workout in. Others like the solitude of working out from the comfort of their home or backyard. It doesn’t matter where you spend the time, as long as you’re comfortable and happy where you are.
  • Try a beginner’s class in a sport or activity you’ve never tried before. There’s little pressure to perform — and you may discover a new passion!

Are you struggling with time or motivation? Check out these 25 tips on how to make the most of only 10 minutes of movement a day.

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4 habits of ALL successful relationships

When life feels stressful or when we’re experiencing conflict in a relationship, it’s tempting to isolate ourselves, physically and emotionally. But doing so is often harmful, cutting us off from the social interaction that’s so important for our emotional health.

This video talks about the importance of understanding relationship hurdles and how to handle them. Dr. Andrea and Jon Taylor-Cummings share their observations about the four fundamental habits that all successful relationships exhibit. When we have healthy relationships, we can be more engaged with our family and friends, perform better at work, and improve our overall well-being.

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Source:   4 habits of ALL successful relationships, TEDx Talks, 2019.

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The 7-step plan to getting out of debt

It’s said that a journey of a thousand miles begins with a single step. The same is true for getting out of debt. By breaking up the challenge into seven doable steps, you’ll gradually take back control of your money and put your debt behind you.

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Step 1 – Save $1,000 for your starter emergency fund

In this first step, your goal is to save $1,000 as quickly as possible. Your emergency fund will cover those unexpected life events you can’t plan for. You don’t want to dig a deeper hole while you’re trying to work your way out of debt.

 

Step 2 – Pay off all debt (except the house) using the debt snowball

Next, it’s time to pay off the cars, the credit cards and the student loans. Start by listing all of your debts except for your mortgage. Put them in order from smallest to largest balance, regardless of interest rate. Pay minimum payments on everything but the smallest one. Attack that debt with a vengeance. Once it’s gone, put that payment toward the second-smallest debt, making minimum payments on the rest. That’s why it’s called the debt snowball. Use it to knock out your debts one by one.

 

Step 3 – Save 3 to 6 months of expenses in a fully funded emergency fund

You’ve paid off your debt! Don’t slow down now. Take that money you were throwing at your debt and build a fully funded emergency fund that covers 3 to 6 months of your expenses. This will protect you against life’s bigger surprises, like your car breaking down, without slipping back into debt.

 

Step 4 – Invest 15% of your household income in retirement

It’s time to get serious about retirement — no matter your age. Take 15% of your gross household income and start investing it into your retirement. Start with Costco’s 401(k) plan — 1165(e) in Puerto Rico — and invest up to the full employer match.

 

Step 5 – Save for your children’s college fund

By this step, you’ve paid off all debts (except the house) and started saving for retirement. Next, it’s time to save for your children’s college expenses. Experts recommend 529 college savings plans or ESAs (Education Savings Accounts).

 

Step 6 – Pay off your home early

Now bring it all home. Your mortgage is the only thing between you and complete freedom from debt. Any extra money you can put toward your mortgage could save you tens of thousands of dollars in interest.

 

Step 7 – Build your nest egg

You know what people with no debt can do? Anything they want. That’s why the last step is the most fun. Keep building your nest egg and be generous, whether that means leaving something for your kids or giving to a cause that’s important to you.

Source:  Ramsey Solutions, 7 Baby Steps, 2019.

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Save and spend your health dollars wisely

Understanding how you’re spending your money and using your benefits can help you spend more wisely. For example, when you use doctors and dentists who are in network, you’ll pay lower out-of-pocket costs. Another way to save is by going to the right place for care. The emergency room (ER) is where you should go for conditions that can permanently impair or endanger your life. Using the ER for non-life-threatening issues can be expensive. When possible, try and visit an urgent care center which is often three times less expensive than a trip to the ER.

In addition, if you are a Mainland or Hawaii employee, creating a Health Care Reimbursement Account (HCRA) or a Dependent Care Assistance Plan (DCAP) through PayFlex® will let you set aside pretax dollars for health and dependent care expenses. This means you’ll save money on those expenses because you’ll be paying with pretax dollars. During Annual Enrollment, you can sign up to contribute up to $2,750 pretax to an HCRA — $550 of which can roll over into the next calendar year if needed. You can also contribute up to $5,000 pretax to a DCAP. Watch the video below to learn more about how an HCRA can help with eligible health care expenses like copays, medication, braces or glasses.

Lastly, all employees have access to financial tips and tools through SmartDollar®. This online personal finance program can help you understand what you spend, plan a budget, get out of debt and save for emergencies.

 

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Source: Payflex, 2018

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A 3-step guide to eating healthy all week long

It’s easy to do. We head into the week intending to sit down to healthy meals each day. But when life gets busy, the intention is often replaced by less nutritious foods, like takeout. Planning ahead — and shopping accordingly — can help you stick to your commitment to eat well.

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1. Make a plan

Create a menu for the week, and explore cookbooks and online sites like SuperHealthyKids.com or CleanPlates.com for new and healthy recipes. And, keep menu favorites on repeat: If everyone loves oatmeal topped with dried fruit for breakfast, serve it several times a week.

2. Stock up on the 5 food groups

A well-stocked pantry and freezer will help you stay on track with your healthy mealplanning goals. Keep the following basics on hand:

  • Vegetables: Keep a variety of canned tomatoes in stock for soups, sauces and casseroles. And frozen veggies are a great source of vitamins.
  • Fruit: Dried fruits make delicious, high-fiber additions to hot cereals, salads and school lunches. Also keep frozen berries on hand to add nutrition to a morning smoothie.
  • Milk and dairy products: Dried milk is a great back-up item to have on stock, while boxed milk makes a great lunch-box item. Evaporated milk can also be substituted for liquid milk in most recipes.
  • Protein foods: Stock up on a variety of canned or dried lentils and beans, and toss them in salads, soups, stews and other dishes. Canned tuna and sardines are a quick way to add nutrition and flavor to meals. And frozen lean meats, poultry and nuts store well in the freezer.
  • Grains: Keep a stash of oatmeal and other whole-grain cereals in the pantry, as well as a variety of rice and pasta. These are great for making quick and filling family meals.

3. Keep a running grocery list

Compile the ingredients you need for the meals you plan to make for the week. Consider trying a grocery-shopping app, such as AnyList or Mealtime, to help you plan. Many of these apps even include information on where to get the best deals on food prices and offer menu-planning options.


Takeout tips: Meal-delivery services or takeout can be a convenient alternative to cooking when you need a night off. Here are a few tips to help you make healthful choices from an online menu, where nutrition facts aren’t always listed:

  • Limit foods described as crispy, battered and breaded, as well as creamy and cheesy, which often can mean they’re higher in fat or calories. More healthful options might use terms like baked, grilled, roasted and steamed.
  • Substitute water, low-fat milk, or unsweetened coffee or tea for sugar-sweetened beverages, which are high in calories and have little nutritional value.
  • Ask for sauces and dressing on the side to help control how much actually goes on your food.
  • Instead of eating out of the containers, plate your food for a more appropriate portion size. Save the remainder of the meal for later.

For more information on healthy eating and takeout, check out this article.