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financial advice
Wellness
Published Monday Apr 16, 2018 by Loretta Shapiro

How to Find Balance When It Comes to Your Finances

Expert Advice
Personal Growth

Tax season has come and gone (phew!), and while many Americans find themselves rolling in a refund, others will owe money. Whether you have a “windfall of funds”—extra money—or are reluctantly reaching into some savings to pay your taxes, these actions can create an attitude of “What am I going to do?” Save or spend? 

According to a survey from the American Psychological Association, more than 60 percent of Americans stress about money. Yep, you read that right. 60 percent! It’s important to remember that your health includes your wealth. If your finances are out of whack, so are you. And if you’re constantly worried about how you’re going to pay bills, this can take a toll on your emotional, mental and physical health.  

Looking to push the reset button on your cash flow? Follow these three tips to find balance in your financial life and get your overall wellness in check!

 

1. Rework Your Refund

Getting money back? It can be easy to spend it on something big, but maybe it’s time to rethink your refund. Take your tax return and apply the majority of what you get back from the government to any credit card debt you have. Start with the ones with the highest interest rate. Next, add some money—even if it’s not a huge amount!—to an emergency savings fund. Finally, don’t forget to spend a little on you! You worked hard, and you deserve to treat yo’ self. 

 
2. Build A Budget

The first step to finding financial balance is through creating a personal financial statement at least twice a year. The simple way to accomplish this is to take a sheet of paper and draw a line down the center. On the left side, list all your assets—funds in checking/savings, value of cars, home, and any property or investments that you may have. On the right, list the balances of all the debt (liabilities) that you have—what you owe on credit cards, loans, home loan, car loans, etc. At the bottom of the page, subtract the difference between your assets and liabilities—that’s your net worth. This practice will help you see your big financial picture. 


3. Make it Monthly

Now it’s time to establish a monthly financial statement. Again, the easiest way is to get a sheet of paper and list your total monthly income (take-home pay) at the top. Under this list, write down your monthly payments of all bills including house, car, credit cards, etc. Don’t forget to include things like daycare, cell phone bills, utilities, insurance, gym memberships, manicures—all monthly expenses. Need a little extra help? Consumer.gov has a few handy worksheets to use. Lastly, take a long, hard look at your monthly expenses and see if there are any items that you can live without. Are you spending $5 per day at Starbucks? Going out to too many work lunches? Can you make that $9 smoothie at home? It adds up! Trade dinners and drinks out for hitting the gym or going for a run. Slash those expenses and try to pay down some of the debt you owe.




Breaking down your finances so you can see where you are and where you are going is a real eye-opening experience. Bestselling author and finance guru, Jean Chatzky, says her money philosophy is to “spend less than you earn.” It sounds easy, but dealing with your dollars can be a challenge. Just like eating clean or exercising, be mindful of your spending and work on practicing financial balance daily to get ahead. It’s never too late to start!

Loretta Shapiro
Written by
Loretta Shapiro
Contributor | Financial Executive
About the author
Loretta Shapiro has a passion for exercise, health, and fitness. She has competed in over ten half-marathons, regularly runs 5Ks in her local area, and is a member of Tribe Team Fitness at her gym. Her role as a Bank Vice President keeps her desk-bound during business hours, so she tries to get active before or after work most days. As a mom of two teen daughters, encouraging people to lead a healthier and more financially fit lifestyle is her game!
woman running outside
The Latest
Published Tuesday Jun 30, 2020 by Dermatologist's Choice

The Summer Skincare Routine for Outdoor Workouts and Activities

Beauty
Fitness
Skincare

Summer is officially here, and with that, there are so many fun activities that will motivate you to get outside to stay in shape and strive for those post-quarantine fitness goals. But before you decide to get outside to enjoy some walking, yoga, swimming, or hiking, remember these best practice skincare habits to protect your skin from common skin concerns, such as, sunburns, chafing, and excessive dryness. 

Here, board-certified Dermatologist, Dr. Bottiglione, shares some advice to help your skin stay healthy as you embark into the great outdoors.  


But first, protect

When going outside, the sun is going to be your biggest culprit for damaging your skin. While the sun boosts benefits like vitamin D production, take notice when your skin is overexposed to the sun’s harmful rays as it becomes dangerous. When overexposed to direct sunlight, the skin is irritated, causing sunburns, dryness, and sensitivity that can increase the chances for wrinkles and skin cancer as we age.  

Luckily, staying inside when it’s so pleasant outside is not the only skincare alternative to avoid the sun’s damaging rays. Here are a few simple tips to prep your skin before stepping outside.  
Opt to protect your skin with a clinical-grade sunblocking lotion of 15 SPF or higher.

“Anytime you go outside, you need to apply sunscreen to your skin,” advises Dr. B. “Ensure you apply sunscreen to the full body and reapply often. In the morning, after cleansing your face, is the best time to apply.” He recommends a spray for oily skin, or the Dermatologist’s Choice Sunscreen Enhanced Moisturizer for dry to combination skin types that needs a little extra hydration.  
 
 
The key is the more intentional you are about proactively protecting your summer skin, the healthier it will be. It may sound simple, but your skin will be happier when you take a preventive approach rather than a reactive approach—for example, applying the sunscreen moisturizer before a walk to help to avoid the treatment of a sunburn after. When prepping your bag for the fun day ahead, make sure to add sunscreen, a hat, and plenty of water.  
 
 
Now the real excitement begins! However you decide to get your fitness outdoors, we have the skincare routine you need or a carefree and healthy day. 


Yoga / Walking 

Deep breath. Like our favorite flow, these skincare tips will keep our mind—and our skin—at ease. If you take your yoga practice outdoors, wear an SPF shirt, and lay your mat under a nicely shaded tree to help shield you from excessive sun exposure. 

“Avoiding direct sunlight and wearing protective clothing is smart to protect your skin from sun damage. Even if you are going for a relaxing walk or doing just a few sun salutations. Staying out of the direct sunlight will reduce your risk of sun damage and wrinkles.”     - Dr. B


Swimming 

Swimming is one of the best cardio and strength training workouts, while also an enjoyable activity during the summer. Whether you are swimming in open water or laps in the pool, the excess amount of water with exposure to pool chemicals and environmental pollutants can cause skin irritation and dryness. To keep your skin hydrated and protected, Dr. B. recommends applying the Dermatologist’s Choice Pre-Bath Oil to your skin before entering the water. This will seal your skin’s protective barrier to avoid skin irritation from chemicals and debris. He adds, “The Pre-Bath Oil is what I give to all my patients with eczema or dry skin. It is the only thing that will protect and also deeply hydrate the skin.” Just apply this serum before you put on your sunscreen, and you're good to go! 


Hiking 

With warm temperatures during the summer months, it’s the perfect time for hiking and exploring the mountainous outdoors. It is essential to take the necessary steps to avoid your skin becoming sunburnt, irritated, or breaking out. “Wearing a hat with a large brim that will shade your face and neck is key. A baseball cap is just not enough for the sun protection you need. After your hike, it is important to clean your face and pores of sweat, dirt, and toxins with Dermatologist’s Choice Glycolic Peel Cleansing Pads to avoid breakouts from occurring,” Dr. B. warns. Keep them in your bag for easy cleansing after a hike. 


Cycling/ Running 

One of the biggest skin concerns cyclists or runners usually bring to dermatologists is chafing. Even if you’re just cruising along the seaside or taking a cycling class, those tight clothes and friction can cause some intense irritation and redness. “When you have an issue with chafing, you need to protect your skin. You need armor over the skin. Beeswax, for example, is thick to coat the skin and protect it. Another effective option is the hydrating Dermatologist’s Choice Pre-Bath Oil. For best results, moisturize your skin, and then add a piece of clothing to cover it (that is actually like armor),” Dr. B. shares. Are you a runner? Feel free to use this tip too before your next mile or 30.  


Workout done, now what? 

At the end of your activity, the real results of that skin preparation set in. But sometimes, you need a little extra support afterwards. After any good workout, cleansing off the sweat, dirt, toxins, and irritant is paramount. Dermatologist Choice pH Balanced Cleanser helps to gently but effectively remove sweat, oil, and restore the skin’s natural pH levels.  

Did you end up getting a sunburn, or is your skin dry from the elements? Soothe with the Pre-Bath Oil with natural oils like sunflower and jojoba oil for deep hydration and healing.

“Sun damage can manifest in multiple ways. Most often, you will notice a sunburn first, which can then lead to irritated skin—and over time, sun damage increases the appearance of wrinkles.” For safe measure, at night regenerate sun-damaged skin with Dermatologist's Choice Ultra Anti-Aging Cream with 15% non-neutralized glycolic acid to your skin. This powerful dermatology treatment rebuilds the collagen and exfoliates fine lines, sunspots, and acne on the skin. “Do not apply the Ultra Anti-Aging Cream on a sunburn or irritated skin,” Dr. B. shares. These are long-term habits to aid in maintaining your best skin health.
 
 

Capture your best skin with everything you need this summer with the Dermatologist’s Choice Skin Kit, and get 20% off your order with code MB20 at www.dermchoice.com.

Dr. B Dermatologist
Written by
Dermatologist's Choice
Clean and Clinical Skincare Brand
About the author
Dermatologist’s Choice is founded, formulated, and tested by award-winning dermatologist, Dr. B. It's not just about keeping your skin clear, but providing clean and clinical formulations. DermChoice has no parabens and no fragrance, is certified cruelty-free, and is formulated with natural and organic ingredients.