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Protect your paycheck with disability coverage

Here’s a not-so-fun fact: Only 48 percent of American adults indicate they have enough savings to cover three months of living expenses in the event they’re not earning any income.

And when you encounter a situation that takes you out of work — whether it’s a pregnancy, injury, or illness — the last thing you need is a break from your paycheck. Check out this video to see how disability coverage can keep your finances safe during unexpected times.

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Learn the basics

LEARN THE BASICS

Build your emergency fund with these easy tips

We can’t control when emergencies happen (here’s looking at you, 2020), but we can plan for them. Financially protect yourself and your family from the unexpected by creating a dedicated emergency fund. According to financial expert Rachel Cruze, try to set aside at least $1,000 — and continue to grow the fund until you have enough to cover three to six months of expenses. That way, you’ll have peace of mind when unplanned bills pop up, such as medical services or car repairs.

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Want to earn a little extra dough for your emergency fund?
Try these ideas:
Sell stuff online
You can sell almost anything on the internet, and it’s a great alternative if a yard sale just won’t work for you. Just remember, people are looking for a deal — set your prices accordingly.

House sit
Offer your services as a house sitter to people heading on vacation. Usually all you need to do is check the mail and water the house plants. Boom! Easy money.

Pet sit
If you like animals, offer your services as a cat or dog sitter. People pay big bucks to board their pets while on vacation. Cash in on some of that!

Get crafty
If you like to craft, try selling your creations at craft fairs or on the web. The best crafts are those that are in high demand but are hard to find. Ask around to find out what’s popular in your area.

Sell old books
Many online book retailers make it fairly easy to list and sell old books. Bonus tip: Old college textbooks can bring in some big bucks!

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TAKE ACTION

Learn resiliency strategies from a leading grief expert

Life forces us to deal with difficulties that are outside of our control. We may have to deal with setbacks, grief, traumas, and other life-changing situations. Resiliency is more than being adaptable or flexible. It’s about finding strength when you feel hopeless, and finding happiness when it feels impossible.

In this TEDx Talk, resilience expert and researcher Dr. Lucy Hone discusses three resiliency strategies that helped her through personal tragedy.

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Source:   “The three secrets of resilient people,” TEDx Talks, 2019.

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Learn the basics

LEARN THE BASICS

6 ways to manage stress

Everyday stresses are normal. But long-term stress can harm your health by potentially impacting your  immune, digestive, sleep and reproductive systems. That’s why it’s important to proactively take control and manage your stress.

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Here are some tips to help you cope:

Recognize the signs

Recognize the signs of your body’s response to stress such as difficulty sleeping, increased alcohol and other substance use, being easily angered, feeling depressed and having low energy.

Talk to your doctor

Talk to your doctor, whether that’s a primary care physician or a behavioral health professional. Need help finding a doctor? Check out the resources below for support.

Get regular exercise

Just 30 minutes per day of walking can help boost your mood and reduce stress.

Try a relaxing activity

Explore stress-coping programs, which may incorporate meditation, yoga, tai chi or other gentle exercises. For some stress-related conditions, these approaches are used in addition to other forms of treatment. Schedule regular times for these and other healthy and relaxing activities. Learn more about these techniques on the National Center for Complementary and Integrative Health (NCCIH) website.

Set goals and priorities

Decide what must get done and what can wait. Learn to say no to new tasks if they are putting you into overload. Take notice of what you’ve accomplished at the end of the day, not what you have been unable to do.

Stay connected

Keep in touch with people who can provide emotional and other support. We know it’s hard, but it’s okay to ask for help from friends, family, and community or religious organizations. It’s also okay to be selfish with your energy and avoid the people who bring you down.