Posts Tagged ‘holiday spending’

Reducing Holiday Stress

Friday, December 4th, 2009

holiday - peppermint candies

Don’t Be HoliDAZED by the Holidays!

By Valerie S. Nosek, Ease@Work EAP Coordinator

Stress enters our lives on almost a daily basis – deadline pressures at work, a less-than-perfect personal relationship, the honking horn behind you in a traffic jam…And most of the time, we manage the stress and move on. But the holidays seem to bring with them a heightened element of stress for many. Now, not only do we have to contend with all of our “normal” stressors, but we also have the added pressures that come from our own, and other’s expectations of us, regarding what the holidays should be like.

Just last weekend, my family and I went out to pick and cut our tree. (Yes, we celebrate the Christian holiday, but stress does not discriminate based on beliefs!) So, there were a number of families there – children romping between the trees, squealing in delight; a couple holding hands riding out on the horse-drawn wagon to choose their first tree together; multiple generations of families selecting trees for their homes. And then there was “the mean dad.”  (That’s what my kids called him.)

This father was obviously on stress overload from the whole tree-picking process. He had just dragged his family’s tree back to the barn to pay and was waiting to have it tied onto his car. While standing in the haphazard line, you could see his impatience growing – shifting from foot to foot, anxiously looking at the tree farm workers to see which customer they were helping, frown on his face. Meanwhile, his wife and two children (which were about 5- and 9-years-old) were smiling and laughing…and yes, making noise.

He looked at them a couple of times, and said, “Shhh.” But they continued to play while waiting. When the children started tugging on his sleeve and asking if they were going to decorate the tree when they got home, he snapped.

“For crying out loud,” (he really used some other colorful language involving the Christmas babe’s name separated by the action version of a slang word that is forbidden in our house),”we just took two hours picking out this damn tree and we don’t even have it home yet, now you’re asking me if we’re gonna decorate it today.”

All of a sudden, everyone was looking at him like his head was spinning around like Linda Blair’s in the Exorcist. He had succeeded in quieting not only his kids, but everyone else around him. His wife, quickly and in hushed tones, herded the children into the car.

Certainly (and I’m not making excuses for his behavior), this man was probably dealing with other stressors in his life that resulted in an inappropriate reaction. The expectations of his family, perhaps combined with his perception of getting a tree as being his responsibility as a father, may have been the stress factor that put him “over the edge.”

Now, not all of us may be as stressed as that person was, but to varying degrees, most of us will feel a bit of holiday stress. Watch out for the following symptoms.

Physical Symptoms:

  • Headache
  • Sleep irregularities
  • Rapid heart rate/chest pain
  • Increased blood pressure
  • Weight loss or gain
  • Muscle tension
  • Fatigue
  • Reduce immunity /Resistance to illness
  • Digestive problems

Emotional Symptoms:

  • Irritability
  • Nervousness/Anxiety
  • Mood swings
  • Trouble concentrating or problem solving
  • Difficulty resolving conflicts
  • Unexplained or irrational sadness or anger
  • Excessive/Increased use of alcohol or drugs

Know your sensitive spots…in other words: What are the triggers that really get to you and elevate your stress levels? Some common ones during the holidays include:

  • Family or certain family members
  • Personal relationships
  • Emotions surrounding the holiday
  • Financial issues
  • Overindulgence in food or alcohol

Once you are aware of the danger zones, you can take precautions to manage the stress, even if you can’t completely avoid it. Some suggestions might include:

  • Manage the reality of the holiday and don’t buy into the fantasy promoted by popular media. It’s impossible to create the “perfect” holiday as portrayed on television, magazines or the Internet. Honor the traditions that you can and create new ones that fit into your lifestyle. Base your holiday on love and balance it with your responsibilities to work and family.
  • Decide to set family differences aside, if only for the holiday. Try to accept family members and friends as they are.
  • Keep up your healthy habits during the holidays. These will help you keep a routine, which helps with balance and stress. Set aside time for yourself to relax and exercise.
  • Set a budget before you go shopping and stick to it. Plan ahead financially for party and travel expenses. And, if your stuck in a money crunch this year, don’t be afraid to cut back on spending for gifts. Don’t go into additional debt now that will add to financial stress in the new year. Instead, get creative with either homemade gifts or the gift of expertise in a particular area, for example: offer to paint a friend’s kitchen, mow an elderly relative’s lawn for the summer, or put up items to sell on craigs list or e-bay for someone who does not have a computer or is not computer saavy.

If despite your best efforts, you still find yourself feeling stressed or sinking into a holiday hole – don’t be afraid to ask for help. Seek support from those around you – friends, relatives, religious or social services. And remember, many employers will have an employee assistance program (EAP) that is there to help you with exactly this type of situation.

If you don’t know who your EAP is or how to contact them, ask someone in your human resources department for that information. You don’t have to tell your HR person why you are calling the EAP, as EAPs operate as a confidential benefit service for employees.

Managing Holiday Spending

Tuesday, November 24th, 2009

money

Watching Out for Your Financial Wellness

By Valerie S. Nosek, Ease@Work EAP Coordinator

Individuals and businesses alike have felt the sting of the current economy and are struggling to meet their budgets and expenses. And, as a result of a tighter grip on every dollar, everyone is trying to limit spending – or at least make the smartest spending choices.

It’s no surprise retailers are feeling the pressure, too. After all, less disposable income means people will think twice about making a purchase. Still, with the holidays just around the corner, retailers are gearing up to get into “the black” for 2009. The sales circulars are readied with out of this world deals, and they’re all vying for your hard-earned dollars.

But watch out! Some deals may be just too good to be true.

Sure, you may get excited about seeing that 40-inch LCD HDTV on sale at the big box store around the corner for that incredibly low, low price – heck, they’re practically giving them away…but are they? Read the fine print.

What you will find is most of the great priced ads this season will have extreme limitations. For example, the store with the cheap televisions may only have one or two in stock and once they’re gone, they’re gone. No getting it from another store, no back-ordering at that price, no rainchecks.

And, if you are lucky enough to get a raincheck, that doesn’t mean you will ever see the item you wanted to purchase. According to an article at CNN.Money, “Dirty Secrets of Black Friday ‘Doorbusters,’” often stores will never have the same item (same model number) in stock again, making your raincheck useless.

Another thing to watch for in those super sales are “derivative models.” These are items that look like the standard model, but really have lesser features if examined closely. Most consumers don’t even know they’re buying a scaled-down model, unless they’ve carefully compared model numbers and product options.

So, what’s up with the sales this year?

The ads can’t be considered deceptive because the limitations are clearly spelled out – even if in small print. What the stores are banking on is that once the customer has waited in line and is in the doors, they’re going to shop there, even if the particular item they wanted isn’t there. It’s at this point that consumers will need to exercise “critical shopping” skills to discern between what’s really a bargain and what’s not. Another store may have the same item for a better price.

Managing Your Money Today…and Tomorrow

In reality, we all should be exercising our “critical shopping” skills on a regular basis, not just during the holidays. Keeping budgets in check is a 24/7, 365-day process that builds and compounds as the months and years go along.

As a good example of how managing money is not a one-time or hit-and-miss task, just think about the 401K savings process where it’s all about regular contributions, compounding funds overtime to build a retirement nest egg. Conversely, consider the downward spiral of how easy it is to get into “a world of hurt” caused by mismanaging credit and missing crucial payments.

Financial problems have a way of sneaking out of the wallet and infiltrating other parts of people’s lives. Couples can have marital or relationship problems about money and spending; financial stress keeps people up at night and causes physical symptoms, such as migraines, ulcers or worse; anxiety about bill collectors calling may cause a good employee’s performance to decline.

This holiday season, don’t get caught up in gifting pressures. Know your budget and stick to it. You may even want to participate in Buy Nothing Day 2009. Make it a priority not to go into the new year with a spending hangover.

We understand the link between employee financial wellness and productivity in the workplace. Ease@Work offers organizations and their employees the mental health benefits associated with an employee assistance program (EAP) along with financial and legal consultation services.