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Adulting in a pandemic 101

Here are a few things young adults should ponder on and start doing even while in quarantine.

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The global pandemic has caught everyone off-guard. While health and safety remains top priority,  staying afloat may be the biggest challenge of millennials and Gen Zs  young lives thus far. With many getting pay cuts or losing jobs, learning to manage personal finances as soon as possible is a large part of adulthood.

Here are a few things young adults should ponder on and start doing even while in quarantine:

Learn Budgetting

Now is a good time to start a budget. Apply the 50-30-20 rule. Allocate 50% of income towards basic necessities, 30% for leisures and 20% towards financial goals. Take note of billing due dates and pay on time. Use an Excel spreadsheet, an app or even a pen and paper to keep track of expenses.

Look for ways to reduce monthly expenses.Whether that’s subscribing to only one streaming service, downgrading mobile postpaid plan or switching to prepaid or unplugging devices when not in use, the savings from these can go a long way towards improving one’s overall personal financial health.

Financing options such as Toyota Financial Services’ Balloon Payment Plus makes car ownership easier with lower down payment and monthly terms, already inclusive of periodic maintenance services. Such packages make spending lighter on the monthly budget, with guaranteed great resale value options by the end of the term.  

Spend Wisely

The pandemic has made everyone’s future a little uncertain so it’s best to be cautious with spending. Distinguish between wants and needs.This applies to the 100 items in one’s online shopping cart. Think long and hard before hitting that checkout button.

When grocery shopping, assess the household’s current supplies and buy only enough for the whole family. Have a shopping list and stick to it as well.

Take advantage of cashbacks and rewards program. Plenty of companies nowadays offer cashback and rewards incentives for every purchase or for paying bills on time.    

For big purchases, always go for value for money and explore available instalment plans to make payments lighter on the pocket. One is sure to get their money’s worth with Toyota Vios not only for being a quality and durable car, but also for its added value benefits such as free periodic maintenance service (PMS), extended warranty, or free car insurance.  Worried about shelling out a lot money? With Toyota’s myriad of available financing solutions from low downpayment schemes to discounts, owning the Vios is made as affordable as possible.  

Start or Keep Investing

There are many forms of investment one can do even while in quarantine.

Building and diversifying financial investment portfolios is a good idea for young adults. With retirement decades away, not only is there more time to learn and recover from possible losses, investing can also help one achieve financial freedom earlier.   

With work from home and less socializing still the norm, another investment worth considering is learning. Take up a new language. Read more books. Enroll in an online certification course. Investing in education is a great way to help increase one’s personal development and professional value.

Some big ticket items are also worth investing on during this period. With persisting limited transportations due to quarantine restrictions, having a car can provide more flexible mobility when traveling to work, the grocery store or running errands since there’s no need to queue in line, waiting for a ride. More importantly, Gen Zs and millennials can reduce their exposure to the virus by driving their own car. Experts advise to be at least 6 feet away from people but with public transportation, this may be more challenging to follow.

The Toyota Vios has an extensive variant lineup to suit the needs of every Filipino including first-time car owners.

An excellent investment for first-time car owners looking for a safe and reliable mode of transportation, the Toyota Vios delivers performance that levels up the lifestyle. Recently named as the Most Reliable Car Brand for 2020[i], Toyota offers more than what meets the eye. With an array of variants to choose from, the Toyota Vios is easy to maintain, has a spacious interior, and boasts an impressive engine performance that provides a driving experience that can withstand the knocks of daily errands. Depending on one’s goals, one can avail of the XE variant for that everyday practical car, or grab the recently launched Toyota Vios GR-S that comes with a track-ready aesthetic – both in its interior and exterior. And if along the line one is considering to upgrade, a Toyota vehicle has an impressive resale value – truly a bang for one’s buck.

The Toyota Vios is a reliable and durable vehicle that can address the mobility needs of every millennial and Gen Z.

The Toyota Vios is proudly assembled by Filipino automotive makers in the Philippines. By choosing the Toyota Vios, one not only enjoy the perks of having a dependable car, but also help support the livelihood of fellow Filipinos working in the local automotive industry.

With enough patience and determination, one will get the hang of adulting with money and build a better, more secure future.

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NewsMakers

Men with sensory loss are more likely to be obese

The association between physical activity and obesity was higher in men with hearing loss, who were 2.319 times more likely to be obese than women who reported difficulty hearing. Obesity in those with sight loss was 1.556 times higher in inactive men than women.

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Photo by @blocks from Unsplash.com

Men who suffer sensory loss, particularly hearing loss, are more likely to be physically inactive and obese than women, according to a new study published in the European Journal of Public Health.

Researchers analysed data from more than 23,000 Spanish adults, and examined associations with physical inactivity and obesity in people with vision and hearing loss, and explored differences between men and women.

Results suggest inactive people with hearing loss were 1.78 times more likely to be obese compared to those who did not have any hearing loss. In people who had difficulty seeing, the odds ratio is slightly smaller, with a likelihood of obesity being 1.375 times higher than those who did not report vision loss.

The association between physical activity and obesity was higher in men with hearing loss, who were 2.319 times more likely to be obese than women who reported difficulty hearing. Obesity in those with sight loss was 1.556 times higher in inactive men than women.

Those with combined seeing and hearing difficulties had the highest prevalence of physical inactivity (44.8%) and obesity (26.1%). Analysis showed a significant association between physical inactivity and obesity in men with vision or hearing loss, but not in women.

Around 62% of adults in Spain are overweight, with 26% reporting as obese. In the UK, the figures are broadly similar at around 64% and 28% respectively, suggesting strong similarities between the countries.

A total of 11.04% of the people surveyed self-reported vision loss, 6.96% reported hearing loss, and 3.93% reported suffering both vision and hearing loss.

Lead author Professor Shahina Pardhan, Director of the Vision and Eye Research Institute at Anglia Ruskin University, said: “It is clear from our study that there are significant differences between genders.

“Although women were overall less physically active than men, we found an association between physical inactivity and obesity in men, but not in women. This indicates that, especially in people with vision and hearing losses, exercise and being active has a very important role in preventing obesity for men.

“Adults, especially those with sensory losses, should be encouraged to be as physically active as possible but there are obviously challenges, strongly suggesting that intervention and encouragement would play a very important role.

“An effective strategy to increase the levels of physical activity in this population group would be through targeted intervention programmes based on health awareness on the importance of physical activity.”

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Dad tips we take for granted but go a long way

With all the pressure that comes with responsibilities, dads also need to look after their own wellbeing too.

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Photo by @picsea from Unsplash.com

There is no one-size-fits all way to being a father, but most working dads want to do the best to support their loved ones. With all the pressure that comes with these responsibilities, dads also need to look after their own wellbeing too. 

Donato Avellana is the Health and Wellbeing Lead for the Vibe Team at Canva Philippines, and as a father himself, he acknowledges the importance of work-life balance. He has helped build programs at Canva that empower employees to have a healthy work-life balance, with holistic programs for all domains of wellness. Taking his learnings from this, he shares some helpful and practical tips to help dads to develop healthy habits that can boost their happiness at work and at home. 

1. Rest and recover well

Rest and relaxation is crucial to improve our overall health. Try your best to get at least 7 hours of sleep, go to bed an hour before you go to sleep, and stay away from your TV or mobile phone, as several studies show that the blue light from screens can disrupt sleep. Sleep is often a neglected component of overall well-being, but this is where the body repairs itself to get ready for another day. Remember that you deserve to rest.

2. Start your day with a cold shower 

Showering can also offer more benefits than many realise.  By using water that is a little cold, you can improve blood circulation, with the lower temperature causing blood to run to the skin’s surface. Good blood circulation plays an important role in our health for proper nutrient distribution throughout our body.

This is also a good time for dads to have their ‘me’ time. Breathing exercises are a great way to start the day, by offering the opportunity to regroup and reflect. 

3. Move more, make it a habit

The health benefits of movement have been scientifically proven time and time again. Your body is connected to your brain and your movement habits can positively impact how you think and feel. Inactivity can make you feel sluggish and tired, making it hard to find motivation and deliver on responsibilities.

Add regular walks, stand often, or follow stretching routines that you can commit to during the day. Taking time for a short 10-15-minute walk is a great way to have a mental and physical break.

4. Eat smart: practice a mindful eating habit. 

We have been educated about what healthy eating is since we were kids. Eating intuitively on a regular schedule is very important. Eating with no structure creates mindless eating that can lead to poor nutrition choices. Think of nourishing your body with healthy fuel for efficient performance instead of just eating. Eat a variety of whole foods, have fruits and vegetables, and hydrate smartly.

5. It’s okay to ask for help

This shortlist might not be easy for everyone, so I encourage dads to seek help when they need it. You might want to start at home with your spouse, ask for help from co-workers, peers, fellow fathers, professionals such as your doctor.

Showing appreciation to your father

If you’re still looking for heart-felt gift ideas for your dad, you can browse through Canva for free design ideas and inspiration. 

Make your dad, grandfather or any other special figure feel loved and appreciated by designing personalized cards. A wide variety of photos, customizable templates, and full-color professional layouts are available. You can also find Filipino templates by changing the language settings to Tagalog and searching for the word ‘tatay’.

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Sun Life Philippines holds ‘Tiny Habits’ workshop

The interactive event carried a fitness theme and was conducted by certified Tiny Habits Coaches TJ Agulto and Claire Limof AHA! Behavorial Design.They shared tips on creating tiny habits in a continuous period of two weeks and also emphasized the importance of celebrating small wins.

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Members of Sun Life Philippines’ Bright Habit Starters community were recently treated to an exclusive workshop on Tiny Habits, the breakthrough method for building habits by world-renowned Behavior Scientist Dr. BJ Fogg.

The interactive event carried a fitness theme and was conducted by certified Tiny Habits Coaches TJ Agulto and Claire Limof AHA! Behavorial Design.They shared tips on creating tiny habits in a continuous period of two weeks and also emphasized the importance of celebrating small wins.

The event was followed by one-on-one coaching sessions to help the participants commit to their habits. This was supervised through the Bright Habits Chatbot, which prompted them to perform daily check-ins for two weeks. This led to the participants achieving 93% success rate in practicing their Bright Tiny Habits.

Following the launch, a second batch of participants is now undergoing the same program, this time with the goal of creating habits to improve their relationships.

The Tiny Habits workshop is just one of the many perks enjoyed by the Bright Habit Starter community. Members are also provided with helpful tips, exclusive promos, and other activities designed to create a sustained behavior change in the present so they can reach their goals in the future. Launched just last March as part of Sun Life’s Ito Ang Araw Mo campaign, the community now has over 3,000 members.

Those interested to be a part of the Bright Habit Starters Community simply have to join via Facebook https://www.facebook.com/groups/itoangarawmo.

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