How to Avoid Self Destructive Behavior During Financial Crisis

Wednesday, December 28, 2011

A financial crisis can be devastating for millions of individual and families during steep recessions and long depressions. As families struggle to keep their jobs and find financial reprieve, bad news can accumulate very fast.

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Image by Jackal of all trades via Flickr

If all the family members have been laid off from their jobs, the situation can quickly transform into extreme stress, anxieties, and constant quarrels within the family.

Repeated confrontations which may become more and more violent over time can lead to separation of at least one spouse from the children. Sometimes both spouses can lose their children to government managed social services, where the kids may not get a healthy environment for full and harmonious development.

As financial ruin faces them squarely in their faces, they may resort to cash advance such as pay day loans with medium to high interests.  While such loans are helpful in emergencies such as an unexpected family medical situation, these loans can also feed self destructive behavior such as drug addiction and alcoholism.

Consider these two steps to avoid self destructive behavior when you are under financial stress:

1. Consider moving temporarily to a relative's home:

If you live in an unsafe neighborhood where rampant drug culture and alcoholism is the order of the day, consider moving into your parents or grandparents house where you can stay for a few weeks until you recover from your trauma and recompose yourself.

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Image by Dave Traynor via Flickr

Seniors, especially retired grandparents can provide a lot of help in time of need, especially to grandchildren. They can not only protect you for a certain period of time from financial uncertainties with their retirement pensions, but they can also keep your kids safe from negative and dangerous influences.

2. Seek counsel from friends, family, neighbors and Churches:

If you were busy with your job and haven't had time to socialize with people outside your immediate family, this is your time. You should reach out to neighbors and friends. Call your friends and ask them how they are doing and if you could spend some time together in person.  This can be very helpful in keeping your emotions under control and allow a healthy outlet for your inner thoughts and sadness to go away.

During weekends, catch up with your neighbors who may be on their front yard or talking to others outside their house.  Take the opportunity to speak with them and ask how their lives are going and what they have been up to lately. Go to the local Church and speak to the Pastor who may provide you with some spiritual advice. This may liven up your day.

The bottom line is that you have to stay involved in good healthy social activities in order to stay out of self-destructive personal habits such as drugs and alcohol.

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Happiness List

Thursday, December 22, 2011

This week’s happiness list includes:

  • A grand weekend with friends near and dear. We had a sumptuous dinner on Saturday with my old, old friends. And on Sunday, we heard Mass at my husband’s alma mater and then picnic with high school buddy despite the rain.  
  • A Monday at the Ayala Triangle Court Yard. Watching and listening to the Ayala Christmas Musical and Light Show was an amazing experience and we got to see it twice!
  • A memorable birthday by touring the Corregidor Island. We were with two of our friends and it was really memorable.
  • The rest of the week which I anticipate to be tiring but it’s an adventure with my family so let’s go!

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Financial Help During the Holidays

With Christmas day just around the corner, I know that there are many of us who are now cramming to shop for gifts and prepare for the holidays. For some, Christmas bonus came in early but there are those who just got them. With the prices of consumer goods these days, we have to be extra frugal in order to buy everything to make the season festive and to provide gifts for everyone close to our hearts.

However, there are times that no matter what we do, funds are not enough. What do we do? If we need just small amount to fund our Christmas gift-giving, availing of cash advance loans is one of our options. Application is easy and the requirements are minimal. You can file your application online. Just provide the necessary and correct information. After verification and processing, you will be able to receive the amount through your bank account. It is so fast and easy that you need not leave the comforts of your home.

But with the number of companies offering online loans these days, it can be overwhelming. It is good to do a check prior to application. You can even ask your friends for referrals and recommendations.

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How to Shed Your Holiday Weight

Friday, December 9, 2011

The problem with the Christmas season is that you tend to forget about your diet. Who could resist those yummy dishes and the fun of enjoying each bite with friends and family? Once the holiday season is over, the next step is to get right back up to that treadmill and continue with your weight loss plan. Consider yourself lucky if you can resist the food temptation but just in case the “mind over matter” trick won’t trick then you can follow some of these tips on how you can lose your holiday weight.

Start slowly especially if you have not gone to the gym for quite some time now. Your body would need to adjust so it would be best to just gradually increase your workout routine once your body has been accustomed to it again. Do not strain yourself on your first day back in the gym as this could bring injuries rather than benefits.

Stick to the basic principle: burn those calories. With the amount of food you ate during the Holidays and the lack of exercise that went with it, you can be sure that weight gain will surely follow. Get right back on track with your diet plan. You would need to refrain from eating the unhealthy meals and increase your intake of fruits and vegetables.

And since this is also the season of parties, alcoholic dinks are pouring everywhere. Most people tend to increaser their alcohol intake during this season. Excessive alcohol in your body is a great health risk; you could opt for a detoxification procedure to remove toxins. Remember that the key to a healthy holiday eating is to do it in moderation.

Helena is a freelance content writer is also fond of traveling and outdoor adventures. She enjoys writing for health related topics such as thyroid diet and sees this as an opportunity to share stories and inspire the readers.

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A Personal Goal for 2012

Monday, December 5, 2011

I aimed for my ideal weight one year ago and with much determination and will power, I was able to achieve it. However, I went back to my old eating habits and got tired of my exercise routine. Needless to say, I gained back the flabs that I was able to loose. It is no fun to see them and to wear clothes that has become tight. For 2012, I intend to be physically fit again. It’s a good thing that Friends and Family Offers support when I told them about this plan. Doing this alone is never easy. Knowing that I was able to do it last year motivates me to go for it again and this time, to try to be able to stick to it and maintain the weight.

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Coke and our OFWs

Sunday, December 4, 2011

The video Coca-Cola Where Will Happiness Strike Next: The Overseas Filipino Workers (OFW) Project has hit a soft spot for us who have seen it. Most of us have family, friends and relatives who live and work abroad, thus, we can certainly relate to the message of the video. It reminds us of them. And likewise, they (our loved ones) are also wishing that someday, they will also experience the happiness of coming home to loved ones as depicted in the video.

Coca-Cola Where Will Happiness Strike Next: The OFW Project

Personally, I have an aunt whom I have not seen for a long time. She is a widow and living on her own in the US. I wish we can bring her home. I also have friends too, who are braving the loneliness of living and working abroad just to provide for their families. It’s a choice that they have made and we are all aware of what are being compromised because of that choice.

A friend of mine who works as a guidance counselor of an elementary school noted that most of the pupils who are brought to her for counseling due to classroom infractions are children of OFWs and are left under the care of relatives. These kids may have the best of everything, materially speaking – nice cars, toys, gadgets and even expensive accessories like gold chains and what-have-yous. However, they lack the love, guidance and care only a father and mother can give. And we don’t stop among kids. These kids grow up into adolescents and adults. While some have the ability to cope and manage, there are those who just can’t. 

It’s a pity that the OFWs bring in the much-needed money to help our economy in exchange of compromising their relationship with their spouses and their inherent duty to guide their kids while growing up. It’s a pity too that there are those who think that OFWs grow money trees. We often hear of people bragging about and living an extravagant life here because of a relative abroad. Being away from your family in a foreign place can be very lonely. We’ve seen that in countless movies. Every centavo that our OFWs earn there means sacrifice. They don’t grow money on trees there, thus, being sensitive and conscientious in asking for and spending their hard-earned money is a very wise thing to do.

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All Things Angry Birds

Thursday, December 1, 2011

Angry Birds is an iPhone/ iTouch/ iPad app which I never seem to get the hang of. I just can’t seem to win in this game, unlike my young daughter who seem to enjoy this game very much. No matter what version I play, on iTouch or iPad, I. Just. Can’t Win. So I gave up and moved on. Hahaha!

It has been very familiar all around the world that the malls and stores are bombarded with all things Angry Birds – from cakes, to clothes, school supplies and toys. Name it, most likely, you can have in Angry Birds design. And since it’s the “in” thing, my daughter has lots of Angry Bird stuff. The latest addition is this pen that lights up. She got it as a gift during our group’s Christmas party last weekend.

Angry Birds Pen

It was sure hit to kids of all ages. And I get to use it to when signing my daughter’s home work. Open-mouthed smile

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