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7 habits to protect your mental health

Sometimes it seems like life gets more stressful every day. Whether you’re dealing with the typical pressures of balancing work and family, or coping with more serious challenges, it’s easy to feel overwhelmed. So how do you become more resilient? The answer is surprisingly simple: It takes practice.

Finding ways to stay relaxed can help keep stress from taking over your life. And making lifestyle changes can help relieve or even prevent symptoms of depression and anxiety. Here are seven practices to help you stay physically and mentally healthy.

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1. Get enough sleep.

Sleep problems are a risk factor for mental health conditions, such as depression and anxiety. Managing sleep problems early can help lessen the symptoms of mental health conditions and help protect your mental health. If you’re dealing with sleep issues, see the resources below for information on an interactive program that can help.

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2. Treat yourself with compassion.

Being overly self-critical can be a risk factor for anxiety and depression. This can include feeling like you have to be perfect to be accepted, having difficulty accepting your own flaws or having an unrealistic sense of what other people expect of you. The answer isn’t to let it all go or say goodbye to having standards; it’s having compassion for yourself. How we treat ourselves through the ups and downs of life can have a tremendous impact on physical and mental health. The next time you’re being self-critical, stop, identify it, and replace the self-critical thought with a more encouraging and positive one.

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3. Stay connected.

In a recent Harvard study, researchers attempted to understand how we can protect ourselves from depression. After analyzing over 100 factors, they found that social connection was by far the most important. And it can be as simple as talking with a trusted friend about how you’re really doing.

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4. Exercise regularly.

An inactive lifestyle is a risk factor for depression. But one study has shown that even 15 minutes of vigorous exercise each day can greatly improve your mood. And another study found that 12 weeks of vigorous exercise for 30 minutes, three to five times per week, reduced depression symptoms by 47%.

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5. Eat a healthy diet.

A lot has been written about the link between food and mood. We have so many neurons and neurotransmitters in our gut that it’s been dubbed “the second brain.” Traditional diets (like the Mediterranean diet) that are high in vegetables, whole grains and good-for-your-brain fats are associated with a 25–35% reduced risk of depression compared to a diet that’s higher in sugar, processed foods and dairy.

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6. Find meaning and purpose.

If you struggle with mood and negative emotions, it’s particularly important to find sources of meaning in everyday life. Whether you find it through work, acts of kindness, giving back or in some other way, make time for it in your life — and reap the mental health benefits.

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7. Practice mindfulness.

Through mindfulness, you can change how you relate to upsetting thoughts and feelings. Many people find that with continued practice, they can view them with a little more perspective. Mindfulness is not a cure-all, but it can be a helpful tool for shifting how you experience challenges. Try taking a 10-minute mindfulness break the next time you feel stressed.

Source: Psychology Today. 7 simple habits to protect your mental health.

Costco offers the following safe, secure and personalized resources to help you manage stress and improve your emotional well-being.

 

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How to talk to a depressed or suicidal friend

Suicide is one of the leading causes of death in the United States. In 2020, it accounted for the loss of 45,979 American lives, nearly double the number of lives lost to homicide. And it was the second leading cause of death for people ages 10–14 and 25–34.

Chances are someone in your family or circle of friends struggles with depression and may be having suicidal thoughts. How can you help? Start by listening to this thirty-minute podcast. You’ll discover how to recognize the signs of depression and help someone who’s considering suicide get the care they need. Don’t have time for the podcast? Learn the signs of suicide risk.

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Sources:

Resources For Living®. How to talk to someone who is depressed or having thoughts of suicide. 

Centers for Disease Control and Prevention (CDC). Facts about suicide. 

If you or someone close to you is struggling with depression or suicidal thoughts, remember the following resources are available to help you find care and treatment. These resources are confidential and available to you at no extra cost.

 

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6 financial tips for the sandwich generation

It seems like only yesterday that your kids were toddlers. Now they’re heading to college — just as your aging parents need your help. Congratulations, you’ve joined the sandwich generation. Whether this is your current situation — or one you may face in the future — taking care of multiple generations of your family can be tough on your stress level and your wallet.

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Here are six tips to help you support your loved ones while safeguarding your own financial well-being.

1. Get your finances on track.

Whether you’re currently caring for your kids and aging parents, or you’re on your own, now’s the time to get rid of your debt. Need help? Sign up for SmartDollar® and follow the 7 Baby Steps to restore your financial health.

2. Talk about finances early and often.

If you’re caring for your parents, don’t be afraid to ask them tough questions. Are they in debt? Do they have life insurance or long-term care insurance? Do they understand their investments? Do they have a will?  Can they share its location with you? As for your grown children, ask them about their goals. Talk to them about lifestyle changes they need to make to get where they want to be.

3. Start planning for the right kind of elder care

If your parents need in-home care, an assisted living facility or a nursing home, you’ll need to discuss the financial impact with them. Decide what type of care fits their budget (or yours, if you’re the one supporting them). Visit Resources For Living® for adult and elder care referrals and to find out more about the 30-minute free legal consultations available to you.

4. Save and invest for your own retirement.

If you aren’t already doing it, start saving for retirement. By making your retirement savings a priority, you can save your kids from the same stress you might be going through now with your own parents. The sooner you take advantage of your Costco Retirement Plan, the more you’ll save.

5. Save for your children’s college.

It’s never too early to start exploring the best ways to save for your kid’s college education. If they’re still in high school, make sure their dream college is one you can afford. Help them look into scholarships, and encourage them to get a part-time job. This way, they can start saving before entering college. If you have kids who are already in college, talk to them about getting a part-time job during the school year and a full-time job for the summer to help them avoid accruing debt. Finally, talk with them about learning to live on a budget.

6. Set clear boundaries.

Balancing money and relationships can be complicated. The best thing to do is set healthy boundaries and talk about expectations. It’s hard to say no to parents or children when you’re trying to work on your finances. But don’t let anyone make you feel guilty for trying to take care of your own household first.

Source: RamseySolutions.com

The following resources are available to help you stay financially fit — whether you’re single or caring for aging parents or children. These resources are confidential and available to you at no extra cost.

 

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Make a will for peace of mind

There’s a reason 50 to 60% of Americans don’t have a will. Even the idea of talking with someone about estate planning makes some people uncomfortable. But it’s an important conversation to have. You can learn how to provide for your loved ones after you’re gone. And you can enjoy the emotional benefits of getting your finances in order and knowing that you’re taking care of the ones you love.

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A will puts your mind at ease

Having a will is one of the most important things you can do for yourself and your family. It offers you peace of mind — right now — because it allows you to:

Protect your family from financial hardship

You decide — not a probate court — how to divide your estate. This means, at a very difficult time, your family can have a seamless and peaceful financial transition and avoid long, unnecessary delays as well as attorney and legal fees.

Minimize confusion and conflict

Having a will empowers you to make your wishes clear and helps minimize family clashes over your estate. It also ensures that part, or all, of your estate doesn’t go to someone you never intended to be your beneficiary. Your beneficiary is the person (or persons) you choose to inherit your assets if anything should happen to you.

Choose the right guardian for your children

You can then take the time to think about which relative or friend you’d want to raise your minor children, and then ask them if they’d be willing to take on that responsibility. Once that’s settled, you can designate them in your will, a legally binding document.

Make meaningful gifts and donations

Your personal values and interests can live on through the legacy you leave your favorite organizations. Gifts up to $13,000 are excluded from estate tax, so you’ll also be increasing the value of your estate for your heirs and beneficiaries to enjoy.

When you make a will, you gain the satisfaction of knowing you’ve done the smart, responsible thing for those you love. And that’s something to feel good about.  

Source: FindLaw. Top 10 reasons to have a will.

The following resources are available to help you plan and secure your family’s financial future. These resources are confidential and available to you at no extra cost. 

 

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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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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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Setting healthy boundaries

Creating healthy boundaries is another way to protect and strengthen our psychological health and, in turn, our physical health. We usually think of self-care as meditating, exercising or relaxing. However, while all these activities can contribute to self-care, they can only do so much if you do not practice creating healthy boundaries, as well. Healthy boundaries are what keep us from getting burnt out or overwhelmed. And they tell others what we find acceptable and unacceptable in their behavior toward us.

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There are several steps to setting up a healthy boundary, but one of the more difficult is identifying and knowing your limits. We often don’t know what our limits are until they’re violated — for example, you may not realize that lending your expertise to a friend is pushing your limits until they are asking for advice every single day.

The second piece you need to consider is how these types of boundaries apply with different people. It’s likely that your boundaries are not the same with a significant other as they are with an acquaintance. Within each of the above categories of people, you can have varying boundaries (for example, coworker vs. a boss), but starting with these categories will help you analyze how your boundaries change depending on who you interact with.

A great way to think about these boundaries is to examine times that you felt uncomfortable, angry, resentful or anxious with the people you interact with. That discomfort is telling you that some boundary was violated. Listen to it!