Keeping Your Holiday Stress in Check: 5 Tips to Relieve the Pressure
It’s the most wonderful time of the year. Or, is it? According to the American Psychological Association, nearly a quarter of Americans feel “extreme stress” during the holidays. Statistics reveal that up to 69% are worried about a perceived lack of cash, while 51% are buckling under the pressure to give gifts. Other holiday triggers include:
- Negotiating family dynamics
- Staying healthy
- Crowds and lines
Whatever the root of your holiday anxiety, it's important to find ways to alleviate your worries as tensions rise. Try these strategies for success:
- Practice mindful meditation. Being still and focusing on your breath for even a couple of minutes can help lower stress hormones and bring a sense of calmness and relief. The best part? You can practice meditation anywhere, anytime. Consider downloading an app for guided meditations and breathing techniques.
- Don't abandon healthy habits. The holidays aren’t a free pass to eat and drink with abandon and ignore your physical well-being. Overindulgence only adds to stress and guilt and may increase feelings of depression. Be sure to get plenty of sleep, include some form of exercise in your daily routine, and manage your caloric intake to avoid going overboard.
- Try aromatherapy. Did you know that certain scents can help improve your state of mind? When properly used, essential oils have calming aromas that may help reduce stress and anxiety. Aromatherapy is generally practiced by diffusing fragrances into the air or applying a few diluted drops to the skin. Your best bet is to find an experienced essential oils consultant who can educate you on the proper practices to meet your specific needs.
- Take a breather. Easier said than done, but it’s important to make time for yourself every day. For as little as 15 minutes, find something that clears your mind and restores your inner peace. Whether it’s listening to soothing music, reading a book or taking a walk, make time to recharge your batteries.
- Learn to say no. Say what you mean and mean what you say, even if it’s not what others want to hear. Your friends and family will understand that you can’t participate in every holiday activity. Say no to unwanted houseguests or to holiday party invitations that you’re just too busy to attend. Saying yes (when you really want to say no) will only leave you overcommitted, overwhelmed and resentful—not how you want to spend the holidays.
Don’t let finances add to the stress
Financial stressors can disrupt holiday peace and joy—but may also be an everyday source of worry. If you’re a homeowner age 62 or older, you may be able to convert part of your home equity into cash, all while still owning your home. A reverse mortgage loan lets you withdraw funds as a lump-sum payment, a monthly payment or a line of credit, so the money is there when and how you need it.* Keep in mind, you’re still obligated to keep up with loan obligations, including keeping current with the property taxes, insurance and home maintenance.
Curious if a reverse mortgage loan may be right for you? Reach out to Reverse Mortgage Funding at 888-277-1567. We’ll set up an informational in-person appointment with an experienced loan specialist in your area. They’ll review the reverse mortgage loan process, answer your questions and determine if this type of financial tool is a fit for your needs.
This content is sponsored by RMF, one of the nation’s leading reverse mortgage lenders. We are dedicated to helping older Americans retire more freely, in the comfort of their own homes. As a result of our commitment to providing an extraordinary and positive customer experience, we have earned a 98% customer satisfaction rating; a 5-star / Excellent score on Trustpilot; 4.8 out of 5 stars on LendingTree; and an A+ rating with the Better Business Bureau. Call 888-277-1567 to speak with a licensed reverse mortgage specialist to learn about our retirement financing products and solutions.
SEE WHAT FUNDS YOU MAY HAVE AVAILABLE
If you have equity in your home and believe you meet the eligibility requirements, a reverse mortgage may be the option that could help you retire smart.
*Borrowers who elect a fixed rate loan will receive a single disbursement lump sum payment. Other payment options are available only for adjustable rate mortgages.