Optimize Your Financial Potential

credit cards

How many people do you know who have no financial worries at all? If you’re lucky – maybe one or two, at most.

Financial difficulties and the inability to effectively manage one’s personal finances have reached epidemic proportions. Easy credit, the desire to appear “successful” and impress others, spending money to “feel better” when you are stressed out – these are several convenient excuses that have contributed to this problem. And this problem affects your health, your relationships and the overall quality of your life.

Anxiety associated with money problems can cause depression, substance abuse problems, sleep deprivation, compromised immune system, and poor choices in terms of caring for oneself.

There are ways to reduce the stress associated with your financial burdens and improve your health, but they take willingness and conscious effort on your part!

1. Think of ways to pay down your credit cards – perhaps you need to cut down on your social outings, stay away from the mall, walk away from that sweater you really don’t need and use that money to pay down your high-interest credit cards.

2. Before you spend money on any item, including in the food store, ask yourself, “Do I really need this?” If the answer is no, then walk away.

3. Prepare a monthly budget and stick to it. Include everything you spend money on and make sure you are making more than minimum payments on credit card debt.

4. Find ways to save money every day – carpool to work to save on gas money, buy a coffee pot and make it, rather than buying it every morning, bring your lunch to work, instead if eating out.

5. Put that change in a bucket – you’ll be amazed at how much and how quickly you save when you do this!

Another way to optimize your financial potential is to be sure that all your financial records and documents are up-to-date and accessible to trusted family members, in the event of an accident or untimely death. Your will, living will, power of attorney and all investment information should be current and stored in a safe place. Just make sure someone knows where that place is!

One more thing – if debt is not a problem – and you’re better off than most, one of the ways to optimize your life is to give to those less fortunate than yourself – a charity you believe in, a family member in need. One of the best ways to do this is anonymously. You’re not looking for credit here, you’re looking to help a cause or lighten a load. This is the true spirit of giving that reaps many rewards – in both the giving and in the receiving!

 Dr. Daryl Asks some important questions of interest to New York residents - Chiropractor New York Dr. Daryl Asks...

How could a child benefit from chiropractic?
Regardless of our age, each of us in New York encounters physical, chemical and emotional stresses that exceed our ability to handle. For newborns, it could be the trauma encountered at birth. For toddlers it could be from learning to walk or ride a bike. Many of the problems we chiropractors see in adults are the result of neglected traumas from childhood.
Is a muscle spasm a cause or an effect?
With the knee-jerk use of muscle relaxers, you'd think it was a cause. But it's an effect. Chiropractors know that bones don't move unless muscles move them. And muscles don't contract unless commanded by the nervous system. That's why your nervous system is the focus of our New York chiropractic practice.