James' World 2

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We spend a lot of energy looking for shortcuts to save time, and sure, those shortcuts add up. But when I look back, my biggest time regrets aren’t spending too much time on Twitter or mismanaging my daily tasks. Those are bad habits, but there are bigger, more systematic time wasters that have really gotten in the way. Fixing these will free up a massive amount of time and energy.

Not Asking for Help

My first week on my first job out of university, my boss handed me a huge spreadsheet. He told me to organize it in a way that made zero sense to me. Being a quiet, timid person, I simply nodded, walked back to my desk, and stared at that spreadsheet for like an hour, hoping to make some sense of it (yep, just like George Costanza and the Penske file).

Finally, my coworker came in, and I confessed I had no idea what to do. He broke it down for me, then dropped some advice that’s stuck with me ever since: “You might feel dumb asking questions, but you look dumber when you don’t get it because you failed to ask.”

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Wasting time

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An insurance policy for your home doesn’t just pay for necessary repairs when disaster strikes, it also can protect you in case of an accident on your property, such as a slip and fall. Peace of mind for major repairs and bad accidents is important—but there are some things you might be doing that can void your insurance that you might not even be aware of. Here are some things to avoid doing to keep your policy intact.

Running a home business

A common mistake you might be making is running a business out of your home. While side hustles abound, if you bring clients into your home, keep inventory there, or have expensive equipment, you might not be covered if something goes wrong. Damage or theft of any property pertaining to a business won’t be covered by your average policy, and liability for guests who are a part of your business operation is also likely not part of your coverage. If your insurance company discovers that you have made this mistake during the course of a claim, they could fine you or even cancel your policy altogether.

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Photo: Justin_Krug (Shutterstock)

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His point? No matter how amazing your ideas are, no one cares unless you can convey them in a clear, compelling manner — and with emotional intelligence.

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No one wants to be the friend who always has to miss dinners, concerts, and vacations because of their strict budget. Maybe you’re unexpectedly tight on cash all of a sudden, or maybe your friend group has slowly but surely fallen victim to lifestyle creep. Whatever your reasons, saying “no” to well-intentioned friends and family is one of the most challenging aspects to keeping your spending in check.

If you’ve noticed that you’re spending more than you’d like to be because of the company you keep, here are some tips to resist financial peer pressure without tarnishing your relationships.

Be transparent about your budget

There are two main perks to letting those around you know that you’re sticking to a budget. First off, good friends will respect your boundaries and be less likely to pressure you into spending more than you’re comfortable with.

Secondly, you’ll be more likely to hold yourself accountable. Rather than feeling the pressure to spend, you’ll feel pressure to save. The key here is to be casual, but firm. You don’t want others to feel like you’re complaining, asking for help, or passing judgment on their spending habits.

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Photo: Rawpixel.com (Shutterstock)

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When constantly on the go, it may be difficult to find ways to recharge. However, Dr. Alfred Tallia, professor and chair of the Department of Family Medicine and Community Health in the Robert Wood Johnson Medical School, explained that more often than not, low energy levels can be remedied by adopting simple changes to your daily routine.

Identify healthy ways to cope with stress.

Unsurprisingly, emotional stress can leave you feeling less lively.

“Stress has a huge impact on your physical well-being. If you are feeling elevated levels of stress, it can absolutely contribute to low energy,” Dr. Nina Vasan, chief medical officer at mental wellness app Real, told HuffPost.

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The proportion of eligible Medicare beneficiaries enrolled in Medicare Advantage plans will exceed 50 percent next year, experts estimate.Credit…Bill Clark/CQ Roll Call, via Getty Images

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