You’ve all heard the old adage: Out of sight, out of mind? Well, we recently decided to try the opposite with our fruit in the fridge. Doug and I are working with Shauna Muldrew, Owner and Health Coach of Infinity Health and Nutrition Coaching, to spruce up our eating and work outs and she suggested that we get the fruit OUT of the crispers and on a shelf in the fridge – RIGHT AT EYE LEVEL. I have also been placing apples, plums, peaches and oranges in a fruit bowl on the kitchen counter. Lo and behold, because all these healthy goodies are now visible, the whole family is eating more fruit rather than reaching for processed snacks. You’re all familiar with those hangry times when you get home from a busy, stressful day and you just want to rip open a bag of chips? I’m not saying that fruit cuts it over chips, but at least at our house, fruit is now the first thing you see when entering the kitchen or opening the fridge. This makes it soooooo much easier to grab a healthy snack. Anyone who knows us knows we love to chill in our living room and watch sports or movies. We call our reclining seats Row 1 Seats 1 &2 for Jets games! However, those food commercials on TV can be sooooo enticing. You can practically smell the aromas coming from the TV! I now pre-wash and prepare strawberries and grapes. They are ready to go! All we have to do is grab a bowlful and crunch down on some grapes. The sweet crunchiness also satisfies the chocolate cravings. Making small, visible changes keeps us moving in the right direction. The same can be said for having a financial plan and meeting regularly with a financial planner. We now have a plan to increase our healthy snacks and it’s working. Having a financial plan with visible goals and objectives works the same way by keeping your finances In Sight and Top of Mind.
Unfortunately, we are not bears and are not afforded the luxury of shutting ourselves down for a few months. At a time where all you want to do is snuggle under a blanket on the couch and binge watch all the shows you missed while doing yardwork, the demands of family, friends and work dramatically increase. Tis the season of holiday shopping, parties and entertaining. Tis the season to exert extreme drain on our energy, wardrobe and pocketbook. Tis the season to spend.
Mother Nature has been quite kind to us in Manitoba so far this summer. The sun has been shining and the temperatures are fantastic. And let’s not mention the M word, the lack of our buzzing, biting little buddies. Now that school is out, it’s time to think about how to entertain ourselves on the weekends and the kids for two whole months. With a younger generation who has access to more technology and games than any generation prior, it’s easy to visualize a summer spent indoors. With the summer shaping up as it has been so far what a better time to break that cycle. Let’s be smart about it and not break the bank while we’re at it. We live in a beautiful province that offers so many options for activities. These can range from day trips to week long outings for anyone who wants to enjoy it. Here are some cost-effective options for making memories.
In 2017 the world has experienced some extremely traumatic events; many centered around major tourists areas. Many people were injured and killed in cartel related shootings in Mexico and most recently the tragic mass shooting in Las Vegas. We have even experienced suspected terrorist activities in Canada with the recent attack in Edmonton. Our hearts and sympathies go out to all those affected indirectly and directly by these events. While we like to believe these circumstances will never happen to us, the sad reality is they can happen to anyone, anywhere. This is why it’s so important to plan for the unexpected.
If you’re young and single, you may think that the things you want out of life are attainable with persistence and planning, and that you have lots of time. But the reality is, you just never know about that last part. This is why you might want to put life insurance — a financial product often overlooked by young adults — on your radar.
Don’t Dismiss ItFewer than 20% of millennials say they’re likely to buy life insurance. 60% say Internet, cable and cellphone bills are higher priorities, while about 3 out of 10 millennials say saving for a vacation is more important than buying life insurance. But just because you’re a young, healthy single with no children doesn’t mean you should disregard the need for life insurance coverage. Just think… what would happen to the people you love is something were to happen to you?
Why You May Need (More) Life InsuranceIf you offer some financial support to your parents or other relatives, or if you fall into the majority of young adults with sizable student loan debt, you ought to think about life insurance. Keep in mind, for example, that if someone has co-signed on a loan for you, the obligation could fall on your co-signer to pay off your debt if you are no longer around. Chances are you already have some life insurance — group coverage — if you’re working full time. But do you need to go out and buy more coverage? To answer that question, you must calculate how much your family would need if you were suddenly out of the picture.
Assessing Your Coverage NeedsYou must consider:
- How much money your family would need to cover funeral expenses if you were to die unexpectedly.
- How much would be needed to replace any income that you’re contributing to your family.