1. Chapter 10 Juggling: Stress, Money, Family, and Work

2. Living with Stress 10-2 • Almost anything is capable of producing stress • Stress is the physical and emotional response to events that threaten or challenge us • 3 main types of stressors • Cataclysmic events • Personal stressors • Daily hassles

3. Living with Stress 10-3

4. Stress 10-4 • Stress brings on physical ramifications • Heart beats faster • Breathing becomes more rapid and shallow • Produce more sweat • Our internal organs churn out a variety of hormones • These symptoms wear down our immune system and leave us open to disease • Common cold, heart disease, headaches, strokes

5. Handling Stress – Coping 10-5 • Ready yourself physically • The stronger you are physically, the less toll stress will take on you • Vigorous exercise produces endorphins, providing a natural feeling of happiness • “Runner’s high” • Exercise can help our bodies naturally cope with stress • Reduce caffeine intake • Deal with obesity

6. Handling Stress – Coping 10-6 • Identify your stressors • School-related? • Relationship-related? • Work-related? • Simply listing stressors will give you a sense of control and help you devise strategies for dealing with them

7. Effective Coping Strategies 10-7 • A variety of tactics can help you deal with your stressors: • Take charge of the situation • Don’t try to change the unchangeable • Look for the silver lining • Use social support from friends and family • Relax, using techniques such as meditation or progressive relaxation • Escaping is not coping and doesn’t relieve stress

8. Placing Stress in Perspective 10-8 • Don’t sweat the small stuff • Put your circumstances into perspective • Make peace with stress • A life with no challenges would be boring

9. Juggling Your Responsibilities 10-9 • Identify your priorities • Childcare, school, work are all equally important and demanding responsibilities • Use proven time management techniques • Communicate with others about your obligations • Multitask • Don’t put your own needs last

10. Keeping Well 10-10 • Eating right • Eat a variety of foods, including fruits, vegetables, and grains • Avoid processed foods • Avoid foods high in sugar, fat, cholesterol and salt • Don’t eat until you are stuffed • Schedule three regular meals a day • Beware of eating disorders • If you wish to lose weight, follow a sensible diet – fad diets don’t work

11. Keeping Well 10-11 • Make exercise a part of your life • Choose a type of exercise that you like • Incorporate exercise into your daily schedule • Make exercise a group activity • Vary your routine

12. Keeping Well 10-12 • Get a good night’s sleep • Exercise more • Have a regular bedtime • Use your bed for sleeping and not as an all-purpose area • Avoid caffeine after lunch • Drink a glass of milk at bedtime • Avoid sleeping pills • Don’t try to force sleep upon yourself

13. Managing Your Money 10-13 • Develop a budget • This is a formal plan that accounts for expenditures and income • A budget helps to prepare for the unexpected • A budget provides security

14. Managing Your Money – Prepare 10-14 • Identify your financial goals • You will need to determine short- and long-term financial goals • Determine why you want more money to spend • Education • Vacation • Paying off debt • Material goods

15. Managing Your Money – Organize 10-15 • Determine your expenditures and income • Keep track of how you spend your money • Make a list of things you will need to spend money on in the coming year • Determine your income sources • Jobs • Income from family members • Financial aid

16. Managing Your Money – Work 10-16 • Make a budget that adds up • If you spend more than you make, you must: • Decrease spending • Control impulse buying • Make and take your own lunch • Read newspapers and magazines online • Check bills for errors

17. Managing Your Money – Work 10-17 • Decrease spending continued • Cut up your credit cards and use cash • Make major purchases only during sales • Share and trade • Live more simply • Increase income • Carefully consider taking a job

18. Managing Your Money – Evaluate 10-18 • Review your budget monthly • Your budget does not need to be set in stone • Keep your expenditures under control • Consider how any change in circumstances affects your budget • Revise your budget as needed

19. Managing Your Money – Rethink 10-19 • Money problems need to be addressed head-on • Assess the problem • Contact creditors • Show them your plan to pay off your debt to them • See a credit counselor • Stick to your plan