Week 8Juggling Stress, Money,

Family and Work

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Living with Stress

• 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

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Living with Stress10-3

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Stress

• 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

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Handling Stress – Coping

• 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

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• 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

Handling Stress – Coping10-6

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Effective Coping Strategies

• 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

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Placing Stress in Perspective

• Don’t sweat the small stuff– Put your circumstances into perspective

• Make peace with stress– A life with no challenges would be boring

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Juggling Your Responsibilities

• 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

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Keeping Well

• 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

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Keeping Well

• 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

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Keeping Well

• 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

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Managing Your Money

• 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

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Managing Your Money – Prepare

• 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

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Managing Your Money – Organize

• 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

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Managing Your Money – Work

• 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

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Managing Your Money – Work

– 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

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Managing Your Money – Evaluate

• 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

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Managing Your Money – Rethink

• 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

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