Search

Julie Goodwin shares her top tips for perfect potatoes every time

Who doesn't love a good, hearty, delicious serving of fluffy and decadent potatoes? Original MasterChef Australia champion Julie Goodwin has shared her ultimate hacks for cooking the perfect potatoes every time, whether they’re mashed, roasted or baked. According to Julie, there are three key things every home cook needs to keep in mind the next time potatoes are on the menu. Make sure you have the right potatoes Depending on whether you want baked, mashed, roasted, or any other way you want to prepare your potatoes, it all starts in the supermarket. "I find that for things like mashed potatoes and gnocchi and rostis you want a floury potato, so the general rule is dirty potatoes for those things," Julie told <a href="https://kitchen.nine.com.au/latest/julie-goodwin-top-three-tips-to-cook-potatoes-robertson-potato-festival/4d16ba12-bf14-4af2-990e-dcf0e89c30ee">9Honey</a>. "And then for stuff like potato salads, boiled baby potatoes, and potato bake, it's better to have a waxy potato because they hold their substance better. And those are the ones that are sold clean, so things like the Pontiac and Desiree with the pink skin or the washed potatoes with the white skin." "If you want to use them in an Irish stew to break down and thicken the sauce you've got to use a floury potato," she says. "So tend to your dirty ones." She says that if you're buying a clean, waxy potato, you won't have to peel them since the skin is supposed to be edible. However, if you're buying a dirty, floury potato, then you're going to want to peel the dirt off first and then wash off the residue. Get those crispy edges As every home cook knows, the key to the perfect roasted potato is for the inside to be soft and fluffy while the outside stays crispy. It can be a tricky balance to master, but Goodwin says there's a simple way to get it right every time. "I like to par boil them before I roast them. Just so that they go a bit fluffy around the edges," she explains. "What happens is those bits go really crispy and lovely." Let the flavour flow When it comes to seasoning your potatoes, it's hard to know what flavours will suit your dish best. According to Goodwin, more is less when you season potatoes, so it's best to close the spice cabinet. "Salt is absolutely the number one, pepper's beautiful [but] it depends on what the meal is," she says. "So if you're doing a bit of a Portuguese or Spanish inspired meal you might put some paprika on there.” "But I really love rosemary and that's beautiful if you pound that up with your salt and put it on the potatoes that makes it really nice." Image credits: Getty Images / Instagram

Food & Wine

Battling to make ends meet? Financial planning expert offers 5 tips on how to build your budget

<a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Every day seems to bring new headlines about rising costs. <a href="https://www.news24.com/news24/africa/news/nigerias-big-unions-call-indefinite-strike-over-fuel-prices-and-the-cost-of-living-20230926">In Nigeria</a>, unions are threatening to strike amid soaring fuel prices; the country’s inflation rate <a href="https://www.cbn.gov.ng/rates/inflrates.asp">hit 25%</a> in August. The amount it costs to fill a food basket in South Africa <a href="https://pmbejd.org.za/wp-content/uploads/2023/09/PMBEJD_Key-Data_September-2023_27092023.pdf">keeps climbing</a>. Ghanaians <a href="https://www.reuters.com/world/africa/multi-day-protests-over-economic-crisis-grip-ghanas-capital-2023-09-23/">took to the streets</a> of Accra in late September to protest about the cost of living. A <a href="https://www2.deloitte.com/us/en/insights/industry/retail-distribution/consumer-behavior-trends-state-of-the-consumer-tracker.html">recent study by the audit and consulting firm Deloitte</a> found that 75% of South Africans were concerned that the prices for everyday purchases would continue to increase, while 80% of consumers across all income groups expected the prices of groceries, household utilities and fuel to rise. This stark reality means budgeting may be more necessary than ever. If you don’t know how to create a budget, then you shouldn’t feel bad – most adults aren’t taught how to create one. And most people don’t budget, because they see it as restrictive or unsustainable. But it need not be: once you appreciate that a budget can work for you, it can be a financially empowering exercise. It’s a cornerstone of financial planning because it ensures you are living within your means and helps you remain in financial control. As a financial planning academic, I focus in <a href="https://researchprofiles.canberra.edu.au/en/persons/bomikazi-zeka/publications/">my research</a> on improving financial wellbeing and promoting savings behaviours through interventions such as budgeting. Here are five guidelines for creating a budget. <h2>1. Apps vs spreadsheet</h2> A good place to start is to choose the format of how you’re going to budget. There are several <a href="https://www.sanlamreality.co.za/wealth-sense/setting-up-a-family-budget-that-works/">online templates</a> and apps you can use for budgeting. For instance, <a href="https://www.22seven.com/">22Seven</a> has gained popularity in South Africa due to its compatibility with several financial institutions, including the country’s big five banks. Similarly, <a href="https://www.the-star.co.ke/business/kenya/2021-01-25-budgeting-using-mint-app/">Mint</a> is a popular budgeting tool that is used in Kenya and Nigeria. If you prefer to put pen to paper, some online templates come with <a href="https://www.wonga.co.za/blog/free-budget-template">free printable budgets</a>. Creating your own <a href="https://create.microsoft.com/en-us/learn/articles/how-to-make-excel-budget">Excel spreadsheet</a> is an equally good approach. What matters most is using a tool that you can commit to. <h2>2. Itemising your income and expenses</h2> A budget essentially shows how much you’re spending in relation to how much you’re earning. So once you have selected your budgeting tool, you need to fill in your income and itemise how much you’re spending on each expense in a month. A budget can be considered a cashflow statement because it allows you to track money coming in (income) and money going out (expenses). If you are living within your means, your budget should indicate a surplus – more cash inflows than cash outflows. So budgeting provides an accurate account of your short-term financial position. <h2>3. A realistic account of expenses</h2> When you look at your financial statements, fill your expenses into your budget honestly and accurately. Don’t cheat! Since everyone’s financial situation is different, your budget will also be unique. Even though there is no one-size-fits-all approach to budgeting, it should still consider all of your expenses (both regular and intermittent). A general rule of thumb is that if it’s deducted from your account then you should treat it as an expense. This includes payments for housing, medical insurance, fuel, dining out, credit card repayments and even bank fees. <h2>4. Save first, spend later</h2> Now you’ve seen how much you’re spending. Either it’s too much – and you can plan where to cut back – or you have savings at the end of the month. When compiling your budget it’s important to demarcate how much will be in the form of savings. What’s more important is getting into the habit of saving before you spend instead of saving after spending. If you spend first then you’ve deprived yourself of the opportunity to save for a rainy day. Furthermore, <a href="https://eprints.hud.ac.uk/id/eprint/10231/1/Microsoft_Word_-_submitted_version_3rd_June_201.pdf">research</a> has shown that getting into the habit of saving has a transgenerational effect: it can be considered a cultural value that is passed on from one generation to another. So think of saving as paying yourself first. Once you have done so, you won’t feel guilty for treating yourself because you’ve already done the financially responsible thing by putting your savings aside. <h2>5. Considering assets and liabilities</h2> Once you’ve become comfortable with consistently budgeting, you can take it up a notch by including your assets (everything you own with an economic value) and liabilities (everything you owe) to determine your overall financial position. You can get a clearer picture of your overall financial wellbeing by compiling a list of all your assets, for example your savings and <a href="https://www.investopedia.com/terms/h/home_equity.asp">home equity</a>, in relation to liabilities (such as bank loans). Knowing your long-term financial position can indicate how financially resilient or vulnerable you are. In the event of a financial emergency, you will know which resources you can draw upon to meet an unexpected expense. By creating a budget (and sticking to it), you can protect yourself and your household from financial shocks. Consider the alternative. Imagine you haven’t budgeted and set savings aside. If a financial emergency were to arise, your next best bet would be to borrow the funds you need. You’d have to come up with a plan to repay what you’d borrowed while also building your savings. <h2>A healthy habit</h2> Getting into the habit of budgeting isn’t easy, especially if you haven’t done it before or you’re intimidated by the process. But, as the expression goes, “a journey of a thousand miles begins with a single step”. Think of budgeting as taking a small but important step towards reclaiming control over your finances and improving your financial well-being.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/214861/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/battling-to-make-ends-meet-financial-planning-expert-offers-5-tips-on-how-to-build-your-budget-214861">original article</a>.

Money & Banking

As you travel, pause and take a look at airport chapels

<a href="https://theconversation.com/profiles/wendy-cadge-343734">Wendy Cadge</a>, <a href="https://theconversation.com/institutions/brandeis-university-1308">Brandeis University</a> Flying home? It is very likely there is a chapel or meditation room tucked away somewhere in one of the airports you’ll pass through. <a href="http://www.pewresearch.org/fact-tank/2015/07/06/most-of-the-busiest-u-s-airports-have-dedicated-chapels/">Sixteen of the country’s 20 largest airports</a> have chapels, as do many more around the world. I am a <a href="http://www.wendycadge.com/">sociologist</a> of contemporary American religion and have written <a href="http://www.wendycadge.com/publications/airport-chapels-and-chaplains/">two recent articles</a> about airport chaplains and chapels. My interest in airport chapels started as simple curiosity – why do airports have chapels and who uses them? After visiting a few – including the chapel at Logan, my home airport here in Boston – I have concluded that they reflect broader changing norms around American religion. <h2>How airports came to have chapels</h2> The country’s first airport chapels were intended for staff rather than passengers and were established by Catholic leaders in the 1950s and 1960s to make sure their parishioners could attend mass. The first one in the U.S., Our Lady of the Airways, was built by Boston Archbishop Richard J. Cushing at Logan airport in 1951 and it was explicitly meant for people working at the <a href="https://doi.org/10.1093/socrel/srx025">airport</a>. A neon light pointed to the chapel and souvenir cards handed out at the dedication read, “We fly to thy patronage, O Holy Mother of God; despise not our petitions in our necessities, but deliver us away from all dangers, O glorious and blessed virgin.” Our Lady of the Airways inspired the building of the country’s second airport chapel, Our Lady of the Skies at what was then Idlewild – and is today John F. Kennedy airport in New York City. Protestant chapels came later. The first was in New York – again at JFK. It was designed in the shape of a Latin cross and was joined by a Jewish synagogue in the 1960s. These chapels were located at a distance from the terminals: Passengers wishing to visit them had to go outside. They were <a href="https://books.google.com/books/about/Exploring_Interfaith_Space.html?id=on5YNwAACAA">later razed</a> and rebuilt in different area of JFK. In the 1970s and 1980s, Protestant chapels opened in Atlanta, and in several terminals of the Dallas airport in Texas. <h2>Becoming more inclusive</h2> By the 1990s and 2000s, single faith chapels had become a <a href="http://www.tciarchive.org/4534.article">“dying breed.”</a> Most started to welcome people from all religions. And many were transformed into spaces for reflection, or meditation for weary travelers. The chapel at San Francisco International Airport, for example, known as the <a href="https://www.flysfo.com/content/berman-reflection-room-0">Berman Reflection Room</a> for Jewish philanthropist Henry Berman who was a former president of the San Francisco Airport Commission, looks like a quiet waiting room filled with plants and lines of connected chairs. A small enclosed space without any religious symbols or obvious connections to things religious or spiritual is available for services. The scene at the <a href="http://www.atlchapel.org/">Atlanta</a> airport chapel is similar, with only a few chairs and clear glass entrances, to provide space for quiet reflection. Some airports, such as JFK, continue with their “Our Lady” names, indicating their faith-based origins. Others include religious symbols and objects from a range of religious traditions. The chapel in <a href="https://cltairportchapel.org/">Charlotte</a>, North Carolina, for example, has multiple religious texts alongside prayer rugs, rosary beads and artistically rendered quotes from the world’s major religions. Pamphlets on topics ranging from grief to forgiveness are available for visitors to take with them at the Charlotte airport. <h2>Different airports, different rules</h2> As these examples show, <a href="https://doi.org/10.1093/socrel/srx025">no two airports</a> have negotiated chapel space in the same way. What is permissible in one city is often not in another. Often, it is local, historical and demographic factors, including the religious composition of the region, that influence decisions. These could even be based on who started the chapel, or how much interreligious cooperation there is in a city. Certain airports such as Chicago’s <a href="http://www.airportchapels.org/">O'Hare</a> have strict rules regarding impromptu religious gatherings whether inside the chapel or out. Some use their public address systems to announce religious services. Others prohibit such announcements and do not even allow airport chaplains to put out any signs that could indicate a religious space. If they are included in airport maps, chapels tend to be designated by the symbol of a person bent in prayer. But even then, they can be difficult to spot. About half of the existing chapels are on the pre-security side of the airport and the other half accessible only after passengers pass through security. <a href="https://doi.org/10.1093/socrel/srx025">Only four large American airports</a> – Las Vegas, Los Angeles, Philadelphia and New York’s LaGuardia – do not have chapel spaces, although opening such a space is under consideration. In the interim, at LaGuardia, a Catholic chaplain holds mass in a conference room. <h2>What’s the future?</h2> The reasons for these spaces and their variations are idiosyncratic and intensely local. These chapels reveal a range of approaches to contemporary American religion and spirituality. So on your travels, keep an eye out for these chapels. Note their similarities and differences and recognize how important local histories are to how church-state issues are resolved – at airports and beyond.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/87578/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/wendy-cadge-343734">Wendy Cadge</a>, Professor of Sociology and Women's, Gender and Sexuality Studies, <a href="https://theconversation.com/institutions/brandeis-university-1308">Brandeis University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/as-you-travel-pause-and-take-a-look-at-airport-chapels-87578">original article</a>.

Travel Tips

Does hosting the Olympics, the World Cup or other major sports events really pay off?

<a href="https://theconversation.com/profiles/ivan-savin-678930">Ivan Savin</a>, <a href="https://theconversation.com/institutions/escp-business-school-813">ESCP Business School</a> After a long battle, <a href="https://www.france24.com/en/europe/20240213-paris-booksellers-stay-olympics-macron-bouquiniste-france">Paris’s beloved bouquinistes will be staying put</a> this summer. The decision, announced on 13 February by the French government, came after considerable public backlash to the police prefecture’s original plan to move part of the iconic Seine booksellers elsewhere for the inauguration of the Olympics Games on 26 July. Meanwhile, less than six months away from the event, Parisians continue to grumble over a <a href="https://www.ouest-france.fr/jeux-olympiques/cest-aberrant-ce-maire-vient-dapprendre-que-sa-ville-accueillera-les-jeux-de-paris-ab1fa968-cfd1-11ee-89c0-6cefac77e04a">lack of consultations</a> with locals, warnings of <a href="https://www.rfi.fr/en/france/20231130-paris-vehicle-traffic-to-be-heavily-restricted-during-2024-olympic-games">gridlocked traffic</a>, closed metro stations, extensive video surveillance and other grievances. So for host countries, what was the point of the Olympics, again? In academia, the debate about the potential positive and negative effects of large-scale sporting events is ongoing. Although these events are often associated with substantial economic losses, the long-term benefits are the main argument in favour of hosting them. These include the development of material and soft infrastructure such as hotels, restaurants or parks. Big games can also help put the host region on the map as an attractive place for sports and cultural events, and inspire a better entrepreneurial climate. <h2>The pros and the cons of big sporting events?</h2> The cost of these benefits, as the Parisians have realised, is steep. Host countries appear to suffer from increased tax burdens, low returns on public investments, high construction costs, and onerous running cost of facilities after the event. Communities can also be blighted by noise, pollution, and damage to the environment, while increased criminal activity and potential conflicts between locals and visitors can take a toll on their quality of life. As a result, in the recent past several major cities, including Rome and Hamburg, <a href="https://www.dw.com/en/6-cities-that-rejected-the-olympics/a-46289852">withdrew their bids to host the games</a>. A common feature of the economics of large-scale sporting events is that our expectations of them are more optimistic than what we make of them once they have taken place. Typically, expenditure tends to tip over the original budget, while the revenue-side indicators (such as the number of visitors) are rarely achieved. When analysing the effect of hosting large-scale sporting events on tourist visits, it is important to take into consideration both the positive and negative components of the overall effect. While positive effects may be associated with visitors, negative effects may arise when “regular” tourists refuse to visit the location due to the event. This might be because of overloaded infrastructure, sharp increases in accommodation costs, and inconveniences associated with overcrowding or raucous or/and violent visitors. On top of that, reports of poverty or crime in the global media can actually undermine the location’s attractiveness. <h2>When big sporting events crowd out regular tourists</h2> In an <a href="https://doi.org/10.1177/1527002523120639">article published in the Journal of Sports Economics</a> with Igor Drapkin and Ilya Zverev, I assess the effects of hosting large-scale sporting events, such as Winter and Summer Olympics plus FIFA World Cups, on international tourist visits. We utilise a comprehensive dataset on flow of tourists covering the world’s largest destination and origin countries between 1995 and 2019. As a first step, we built an econometric model that effectively predicts the flow of tourists between any pair of countries in our data. Subsequently we compared the predicted tourist inflow in a hypothetical scenario where no large-scale sporting event would have taken place with the actual figures. If the actual figures exceed the predicted ones, we consider the event to have a net positive impact. Otherwise, we consider that it had a “crowding out” effect on “regular” tourists. While conducting this analysis, we distinguished between short-term (i.e., focusing just on the year of the event) and mid-term (year of the event plus three subsequent years). Our results show that the effects of large-scale sporting events vary a lot across host countries: The World Cup in Japan and South Korea 2002 and South Africa 2010 were associated with a distinct increase in tourist arrivals, whereas all other World Cups were either neutral or negative. Among the Summer Olympics, China in 2008 is the only case with a significant positive effect on tourist inflows. The effects of the other four events (Australia 2000, Greece 2004, Great Britain 2012, and Brazil 2016) were found to be negative in the short- and medium-term. As for the Winter Olympics, the only positive case is Russia in 2014. The remaining five events had a negative impact except the one-year neutral effect for Japan 1998. Following large-scale sporting events, host countries are therefore typically less visited by tourists. Out of the 18 hosting countries studied, 11 saw tourist numbers decline over four years, and three did not experience a significant change. <h2>The case for cautious optimism</h2> Our research indicates that the positive effect of hosting large-scale sporting events on tourist inflows is, at best, moderate. While many tourists are attracted by FIFA World Cups and Olympic games, the crowding-out effect of “regular” tourists is strong and often underestimated. This implies that tourists visiting for an event like the Olympics typically dissuade those who would have come for other reasons. Thus, efforts to attract new visitors should be accompanied by efforts to retain the already existing ones. Large-scale sporting events should be considered as part of a long-term policy for promoting a territory to tourists rather than a standalone solution. Revealingly, our results indicate that it is easier to get a net increase in tourist inflows in countries that are less frequent destinations for tourists – for example, those in Asia or Africa. By contrast, the United States and Europe, both of which are traditionally popular with tourists, have no single case of a net positive effect. Put differently, the large-scale sporting events in Asia and Africa helped promote their host countries as tourist destinations, making the case for the initial investment. In the US and Europe, however, those in the last few decades brought little return, at least in terms of tourist inflow.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/222118/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ivan-savin-678930">Ivan Savin</a>, Associate professor of quantitative analytics, research fellow at ICTA-UAB, <a href="https://theconversation.com/institutions/escp-business-school-813">ESCP Business School</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/does-hosting-the-olympics-the-world-cup-or-other-major-sports-events-really-pay-off-222118">original article</a>.

Travel Tips

5 tips to keep your dog happy when indoors

The cooler months are well and truly here and the dreary weather is enough to make anyone a little sad, including our furry friends. According to a study by veterinary charity People’s Dispensary for Sick Animals, one in three dogs experience a downturn in mood during winter months. If the rain is preventing you getting out and about, here are five tips to keep your pooch happy and healthy when indoors. 1. Stair work/treadmill/indoor pool Use what you have in your home. If you live in a multi-storey place, playing fetch up or down the stairs is a fun way for your pooch to get a workout. Alternatively, if you have a treadmill at home, use it to walk your dog on a rainy day. Swimming is also a great physical activity, particularly if dogs have joint problems. 2. Obedience training Dust off the training books and work with your pooch to improve their obedience skills. It will keep your furry friend mentally active and dispel any boredom. 3. Hide and seek Dogs need their senses stimulated – it’s why when they’re outside they will listen, sniff and dig out anything that’s out of the ordinary. Keep your furry friend entertained with a game of hide and seek. Place healthy treats around the house to get your pooch curious and exploring old surrounds. 4. Rotation diet Rotating proteins (meats, fish, and poultry) and mixing in different forms of food (wet, dry and raw) will keep your dog interested in food and eating. Consult your vet about the type of diet your dog should be on for optimal health. 5. Play time Interactive toys are a great way to pass time, stimulate and entertain your pooch inside. Puzzle toys, Kong balls with treats stuffed inside or just some one-on-one indoor play time will keep your four-legged friend happy. Image credits: Getty Images

Family & Pets

The unique travel hack that is guaranteed to help beat jet lag

Experts have revealed how to beat jet lag on your next overseas holiday, and it all comes down to your modes of transport. Sleep researchers said it's good news for cruise lovers, as exposure to sea air and bright natural light improves sleep to cure the annoying condition quickly. Some experts say to avoid travelling by plane all together, and always opt for cruising holidays instead. However, if you have to travel to your cruise by plane, being on board is a great way to tackle the dreadful feeling, compared with holidaying on land, Panache Cruises said. Dr Lindsay Browning, expert at Trouble Sleeping said exposing yourself to bright lights at the right time after a long-haul flight is one of the most powerful things we can do to boost and help shift circadian rhythm, and being on a ship is the perfect place for that. "As a general rule, you want to get lots of bright light exposure during the daytime and avoid light at night," Browning said. "When travelling on a cruise ship, you will naturally get a lot of bright light exposure during the day, helping your circadian rhythm.” "Further, when travelling by ship you will have a cabin with a proper bed and curtain, enabling you to sleep at night when you want to." The company claimed research showed how prolonged exposure to sea air can improve blood oxygen levels, boost vitamin D, and improve breathing leading to higher-quality sleep, helping to rid travellers of pesky jet lag so they can enjoy their holidays. Image credits: Getty Images

Travel Tips

Flight attendant reveals how to score a free upgrade

A flight attendant has shared her number one trick for securing an upgrade on your next plane journey. American flight attendant Cierra Mistt revealed the one question you should ask at check-in to score an upgrade to first class, with the hack working almost every time. Mistt started her now-viral video by saying her hack to get a free upgrade was top secret. “Let’s look at the big picture. Everyone is flying right now, and no one is more excited about that than commercial airlines,” she said. “The majority of airlines are overbooking every single flight they have.” “It comes from the last month of me trying to get home and not even being able to get on standby because every single flight has been oversold,” she said. “I am not talking about one or two seats. I am talking about 10-30 seats that have been oversold.” Mistt said this overselling of flights presents an opportunity to travellers. “If everyone does show up, including the extra passengers that were oversold their tickets, the airlines have no choice but to financially compensate,” she said. The flight attendant shared that airlines “normally start off with vouchers for $500 or something”. “Normally they say a voucher but you can ask for it in cash,” she said. “Depending on the flight and how desperate they are, they will go up to, like three, four, five thousand dollars.” “This is where the free upgrades come in.” Mistt said not only could you ask for a free upgrade in such circumstances, but you could “also ask for other incentives”. “For example, drinks, dinners, breakfast, even a hotel if you have to stay overnight until the next flight,” she said. “And, yes, you can also ask to be upgraded to first class.” Her video received more than a million views, with people praising the hack and sharing how it has worked for them. “I got upgraded to first class by doing this,” said one person. Image credits: TikTok / Getty Images

Travel Tips

Days are getting shorter and colder. 6 tips for sticking to your fitness goal

<a href="https://theconversation.com/profiles/juliana-s-oliveira-709434">Juliana S. Oliveira</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/anne-tiedemann-409380">Anne Tiedemann</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/cathie-sherrington-561141">Cathie Sherrington</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/leanne-hassett-1497197">Leanne Hassett</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Daylight saving ends this weekend. The days are shorter and getting colder. It’s less appealing to cycle to work, walk after dinner, or wake up early to hit the gym. But we all know daily physical activity is essential for our health and wellbeing. Physical activity releases feel-good neurotransmitters in our brains, which help to alleviate <a href="https://bjsm.bmj.com/content/57/18/1203">stress, anxiety, and depression</a>. It also helps <a href="https://www.cdc.gov/chronicdisease/resources/infographic/physical-activity.htm#:%7E:text=Regular%20physical%20activity%20helps%20improve,depression%20and%20anxiety%2C%20and%20dementia.">prevent diseases</a> such as diabetes, heart disease and some cancers. Regular physical activity can prolong life and improve overall quality of life. However, many of us find it difficult to achieve the <a href="https://bjsm.bmj.com/content/54/24/1451">recommended 150 minutes of moderate intensity physical activity</a> each week. In fact, three out of ten Australians and half of Australians aged 65 and over are <a href="https://www.aihw.gov.au/reports/physical-activity/physical-activity">inactive</a>. So, what can you do to stay motivated and keep moving regularly through the darker months? Here are some tips. <h2>1. Nail those goals</h2> Goals can provide us with a sense of purpose, meaning and direction. But just aiming to “get fit” is less likely to cut it than goals that are SMART: specific, measurable, achievable, realistic and time-bound. Specific goals are based on an observable behaviour or activity, such as step count, yoga, or competing in an event. Measurable goals can be tracked, so you can easily tell whether you have ticked them off. Achievable goals are realistic and based on your current fitness and abilities. But they can and should still be challenging. If you’ve only ever run 5 kilometres, it won’t be realistic to aim for a half marathon in the next month. But you could aim for 10 kilometres. Relevant goals hold personal meaning for you. Articulating why it’s important will help motivate you to do it. Time-bound goals include a target date for achieving them. You can always revisit your deadline if you’re ahead of schedule or if it’s too unrealistic. An example of a SMART goal could be: “I will walk 10,000 steps every weekday within a month.” Then you can break it down into short-term goals to make it more achievable. If you currently walk 6,000 steps each day, you can increase steps by 1,000 every week to reach 10,000 by the end of the month. <h2>2. Keep track</h2> More than <a href="https://www.deloitte.com/au/en/Industries/tmt/blogs/digital-consumer-trends-who-is-purchasing-what-now.html">90% of Australians own a smartphone</a> and more than <a href="https://www.deloitte.com/au/en/Industries/telecom-media-entertainment/blogs/digital-consumer-trends-touch-less-healthier-wiser.html">two in ten own a fitness tracker or a smartwatch</a>. These devices can help you track your goals and activity, keep you accountable and increase your motivation. A 2021 systematic review suggests fitness trackers and smartphone apps <a href="https://bjsm.bmj.com/content/55/8/422">can assist people</a> to increase their step count by up to 2,000 steps per day. <a href="https://bjsm.bmj.com/content/54/20/1188">Our research</a> demonstrated fitness trackers can also be helpful in increasing physical activity among older people. If you don’t have a fitness tracker, you can buy low-cost pedometers or track your activity times using paper and pen. <h2>3. Plan for success but prepare for barriers</h2> Take some time to think about the potential barriers that could prevent you from being active and plan solutions to overcome them. For example, if the cost of physical activity is too high for you, try to find options that are free, such as walking or running. You can also consider free online programs or streaming videos. If you find it difficult to fit exercise into your busy schedule, try exercising early in the morning before you start your day and laying out your workout clothes the night before. You could consider joining a gym with flexible timetables. A good strategy is to try to fit physical activity into your daily routine, such as walking or cycling to work. If you are living with a chronic health condition or disability, consider seeking guidance from a health professional such as an <a href="https://www.essa.org.au/Public/SearchAEP.aspx?WebsiteKey=44cfee74-3fc3-444e-bb5f-77729c390872">exercise physiologist</a> or <a href="https://choose.physio/find-a-physio">physiotherapist</a>. Start slow and gradually increase your activity and find something you enjoy so you are more likely to keep doing it. <h2>4. Team up with a workout friend</h2> Physical activity can be more fun when you do it with someone else. Studies show <a href="https://www.sciencedirect.com/science/article/abs/pii/S0167494322002953?via%253Dihub&sa=D&source=docs&ust=1712015093947627&usg=AOvVaw1XGQBMDMFspL5YrQtKo3h">working out with friends can be more motivating and enjoyable</a>. It can also help with accountability, as some people are more likely to show up when they have a workout partner. So, <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(13)60407-9/fulltext">find a friend</a> who supports your goal of being more active or maintaining your current activity levels. <h2>5. Plan yourself a little treat</h2> Make an appointment with yourself in your diary to exercise. Approach it as just as important as meeting a friend or colleague. One idea is to delay something you’d rather do and make it a reward for sticking to your activity appointment. If you really want to go out for coffee, do a hobby, or watch something, go for a walk first. Research shows <a href="https://www.nature.com/articles/s41746-019-0164-3">incentives can dramatically increase physical activity levels</a>. <h2>6. Find a coach</h2> If you want more support, <a href="https://bjsm.bmj.com/content/51/19/1425">health coaching</a> might be an option. Trained professionals work one-on-one with people, sometimes via telehealth, to find out what’s reducing their motivation to make healthier choices, such as exercise. Then they employ behaviour change techniques to help them meet their health goals. Our recent research suggests health coaching can improve physical activity in <a href="https://bjsm.bmj.com/content/58/7/382">older people</a> and those with <a href="https://www.sciencedirect.com/science/article/pii/S183695532400002X">chronic pain</a>. In <a href="https://www.gethealthynsw.com.au/#:%7E:text=About%20the%20Get%20Healthy%20Service&text=Delivered%20by%20NSW%20Health%2C%20the,and%20achieve%20your%20health%20goals">New South Wales</a>, <a href="https://lifeprogram.org.au/">Victoria</a> and <a href="https://www.myhealthforlife.com.au/">Queensland</a>, these sessions are government-subsidised or free.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/226619/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/juliana-s-oliveira-709434">Juliana S. Oliveira</a>, Postdoctoral Research Fellow, Physical Activity, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/anne-tiedemann-409380">Anne Tiedemann</a>, Professor of Physical Activity and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/cathie-sherrington-561141">Cathie Sherrington</a>, Professor, Institute for Musculoskeletal Health, School of Public Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/leanne-hassett-1497197">Leanne Hassett</a>, Associate Professor in Physiotherapy, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/days-are-getting-shorter-and-colder-6-tips-for-sticking-to-your-fitness-goals-226619">original article</a>.

Body

Here’s why having chocolate can make you feel great or a bit sick – plus 4 tips for better eating

<a href="https://theconversation.com/profiles/saman-khalesi-366871">Saman Khalesi</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> Australians are <a href="https://www.retail.org.au/media/sweet-spending-boon-predicted-for-easter-retail">predicted</a> to spend around A$1.7 billion on chocolates, hot cross buns and other special foods this Easter season. Chocolate has a long history of production and consumption. It is made from cacao beans that go through processes including fermentation, drying, roasting and grounding. What is left is a rich and fatty liquor that is pressed to remove the fat (cocoa butter) and the cacao (or “cocoa”) powder which will then be mixed with different ingredients to produce dark, milk, white and other types of chocolates. There are several health benefits and potential problems that come in these sweet chocolatey packages. <h2>The good news</h2> Cacao beans contain <a href="https://foodstruct.com/food/cocoa-bean">minerals</a> like iron, potassium, magnesium, zinc and phosphorus and some vitamins. They are also rich in beneficial chemicals called <a href="https://pubmed.ncbi.nlm.nih.gov/23150750/">polyphenols</a>. These are great antioxidants, with the potential to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5465250/">improve heart health</a>, increase <a href="https://pubmed.ncbi.nlm.nih.gov/25164923/">nitric oxide</a> (which dilates blood vessels) and <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3488419/">reduce blood pressure</a>, provide food for gut microbiota and <a href="https://www.mdpi.com/2072-6643/12/7/1908">promote gut health</a>, boost the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5465250/">immune system</a> and reduce inflammation. However, the concentration of polyphenols in the chocolate we eat depends largely on the cocoa solid amounts used in the final product. In general terms, the darker the chocolate, the more cocoa solids, minerals and polyphenols it has. For example, dark chocolates may have around <a href="https://www.tandfonline.com/doi/full/10.1080/10942912.2011.614984">seven times more polyphenols</a> compared to white chocolates and <a href="https://www.tandfonline.com/doi/full/10.1080/10942912.2011.614984">three times more polyphenols</a> compared to milk chocolates. <h2>But also some bad news</h2> Unfortunately, the <a href="https://theconversation.com/treat-or-treatment-chocolate-is-good-but-cocoa-is-better-for-your-heart-3084">health benefits of cocoa solids</a> are easily offset by the high sugar and fat content of modern-day chocolates. For example, milk and white chocolate eggs are on average 50% sugar, 40% fat (mostly saturated fats) – which means a lot of added kilojoules (calories). Also, there may be some side effects that come with ingesting chocolate. Cocoa beans include a compound called theobromine. While it has the anti-inflammatory properties responsible for some of the health benefits of chocolate, it is also a mild brain stimulant that acts in a similar way to caffeine. The mood boost it offers may also be partly responsible for how much we <a href="https://www.frontiersin.org/articles/10.3389/fphar.2015.00030/full?crsi=662496658&cicada_org_src=healthwebmagazine.com&cicada_org_mdm=direct">like chocolate</a>. Dark chocolate has higher theobromine compared to milk and white chocolate. But accordingly, overindulging in chocolate (and therefore theobromine) may lead to feeling restless, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3672386/">headaches</a> and nausea. <h2>What else is in your chocolate?</h2> Milk and dairy-based chocolates may also cause stomach upset, abdominal pain and bloating in people with <a href="https://dietitiansaustralia.org.au/health-advice/lactose-intolerance">lactose intolerance</a>. This happens when we don’t produce enough lactase enzymes to digest milk sugar (lactose). People with lactose intolerance can usually tolerate up to 6 grams of lactose without showing symptoms. Milk chocolate can have around <a href="https://www.ncbi.nlm.nih.gov/books/NBK310258/">3 grams of lactose</a> per 40 grams (the size of a standard chocolate bar). So two chocolate bars (or the equivalent in milk chocolate eggs or bunnies) may be enough to cause symptoms. It’s worth noting that lactase enzyme activity dramatically declines as we age, with the highest activity in newborns and children. So lactose sensitivity or intolerance may not be such an issue for your kids and your symptoms may increase over time. Genetics also plays a major role in how sensitive people are to lactose. <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6815241/">Allergic reactions</a> to chocolate are usually due to the added ingredients or cross-contamination with potential allergens such as nuts, milk, soy, and some sweeteners used in the production of chocolate. Symptoms can be mild (acne, rashes and stomach pain) or more severe (swelling of the throat and tongue and shortness of breath). If you or your family members have known allergic reactions, make sure you read the label before indulging – especially in a whole block or basket of the stuff. And if you or your family members do experience symptoms of an allergic reaction after eating chocolate, <a href="https://www.betterhealth.vic.gov.au/health/conditionsandtreatments/allergic-reactions-emergency-first-aid">seek medical attention</a> immediately. <h2>4 take home tips</h2> So, if you are like me and have a weakness for chocolate there are a few things you can do to make the experience a good one.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/202848/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <ol> <li>keep an eye out for the darker chocolate varieties with higher cocoa solids. You may notice a percentage on labelling, which refers to how much of its weight is from cocoa beans. In general, the higher this percentage, the lower the sugar. White chocolate has almost no cocoa solid, and mostly cocoa butter, sugar and other ingredients. Dark chocolate has 50–100% cocoa beans, and less sugar. Aim for at least 70% cocoa</li> <li>read the fine print for additives and possible cross-contamination, especially if allergies might be an issue</li> <li>the ingredients list and nutrition information panel should tell you all about the chocolate you choosing. Go for varieties with lower sugar and less saturated fat. Nuts, seeds and dried fruits are better ingredients to have in your chocolate than sugar, creme, syrup, and caramel</li> <li>finally, treat yourself – but keep the amount you have within sensible limits!</li> </ol> <a href="https://theconversation.com/profiles/saman-khalesi-366871">Saman Khalesi</a>, Postdoctoral Fellow of the National Heart Foundation & Senior Lecturer and Discipline Lead in Nutrition, School of Health, Medical and Applied Sciences, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/heres-why-having-chocolate-can-make-you-feel-great-or-a-bit-sick-plus-4-tips-for-better-eating-202848">original article</a>.

Food & Wine

Why you should travel solo this summer

<a href="https://theconversation.com/profiles/claire-mccamley-446927">Claire McCamley</a>, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a> When you think about booking a summer holiday, you might think of trips with partners, friends or family. The idea of going on holiday alone can be daunting, or even unappealing. It raises all kinds of questions – who will you talk to? Who will you eat with? Will you be safe? There has long been a <a href="https://www.tandfonline.com/doi/abs/10.1080/0267257X.2015.1073170?journalCode=rjmm20">stigma against solo consumption</a>. Societal norms encourage us to be with someone – leisure experiences are billed as something to <a href="https://www.emerald.com/insight/content/doi/10.1108/IJCHM-06-2019-0584/full/pdf?title=dining-alone-improving-the-experience-of-solo-restaurant-goers">share with others</a>. There may also be a level of guilt or self-indulgence associated with solo travel, feeling as if you are shirking responsibility or abandoning time with family. An increase in <a href="https://www.euromonitor.com/article/single-person-households-to-record-128-percent-growth-by-2030">single-person households</a>, however, means the hospitality industry is now serving solo consumers in addition to families and couples. The continuously <a href="https://www.forbes.com/sites/adigaskell/2020/05/11/is-a-blurred-work-life-balance-the-new-normal/?sh=5c9db6341813">blurred line</a> between work and play, particularly for Millennials and younger generations, makes it easier to work remotely or travel as part of our jobs. We are more transient than ever, and have more opportunities to work and travel alone without feeling completely disconnected from the rest of our lives. In recent years, people have been <a href="https://www.telegraph.co.uk/travel/comment/whats-behind-the-rise-in-solo-travel/">increasingly</a> travelling alone – including younger vacationers. They also share their experiences to a large audience on social media – the hashtag #SoloTravel has over 7 million posts associated with it on Instagram. Solo travellers are taking part in the growing <a href="https://www.futuresplatform.com/blog/solo-economy-new-consumption-patterns">solo economy</a> – new products and services targeting the lone consumer. Hotels, <a href="https://www.ncl.com/uk/en/freestyle-cruise/solo-cruising">cruises</a>, restaurants, tourism <a href="https://www.flashpack.com/">companies</a> and festivals are showing how design, staff and technology can be tailored to accommodate – and even encourage – solo consumption in travel. <a href="https://journals.sagepub.com/doi/10.1177/14705931211017184">Our research</a> into the experience of solo consumers in coffee shops offers insight into how solo consumption can be as pleasurable and fulfilling as going with a partner or friend. Through <a href="https://www.research.ucsb.edu/sites/default/files/RD/docs/FREEWRITING-by-Peter-Elbow.pdf">freewriting</a> exercises, these consumers shared their own experiences. Their words offer some reasons you should try it too. <h2>Be together, alone</h2> Our research participants highlighted key factors that help them enjoy their solo experience – high seats and window views allowing them to sit back and observe others’ lives without any direct interaction or connection. You don’t need to arrive with others to feel part of a social environment. Alone in a crowded square or on a busy beach, the proximity of other people and their conversations can be a source of comfort, distraction or even entertainment. <blockquote> The seat is important -– I like the window especially a stool and “shelf” table facing out … I see people, imagine their lives, see cars and life pass by. I watch other customers, I watch the street out the window, the cliché of “watching the world pass by”. The setting, context and environment of the café are important to that moment of pause. </blockquote> <h2>Take time for yourself</h2> Being alone can be a <a href="https://journals.sagepub.com/doi/pdf/10.1177/14705931211017184">therapeutic experience</a>, a time to process thoughts, feelings and emotions and leave you ready to tackle the world again. Perhaps take time to write, draw or practice another creative activity in your own time. Bask in your own thoughts without feeling pressure to please anyone else or force a conversation. <blockquote> Sitting alone with my thoughts can be a comforting experience; picking a seat, getting comfy…I can find silence with my thoughts and don’t feel any pressure to act for anybody or involve myself in a conversation that doesn’t interest me. </blockquote> <h2>Get out of your comfort zone</h2> Being able to do your own thing, without needing to consider others can be relaxing and can also give you the opportunity to do something you’ve never done before, free of judgement. You might want to go to some sort of class, shop or have a complete chill-out day. Findings from our research indicate that time spent doing things alone can relieve some of the pressures that companions can bring. Alone time gives you the space to experience things in your own time and take in your surroundings without distraction. In doing this, you may find yourself in new situations, away from your comfort zone – an energising and enthralling experience. <h2>Embrace solo traveller culture</h2> Solo travellers have their <a href="https://www.sciencedirect.com/science/article/pii/S0278431921002516">own way of doing things</a>, they have a shared behaviour and process and often become a collective in themselves. They acknowledge the process of travelling alone and respect others doing the same, and may even seek out spaces to be alone, together. Solo travellers can engage in a shared experience and dialogue while maintaining their own individualism – helping each other when needed, but also leave one another alone. <blockquote> We search for places where we feel we fit … We are happy to smile at one another. We don’t need to chat to engage. We are happy on our own with a coffee. I am amongst my tribe.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/184000/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> </blockquote> <a href="https://theconversation.com/profiles/claire-mccamley-446927">Claire McCamley</a>, Senior Lecturer in marketing, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-you-should-travel-solo-this-summer-184000">original article</a>.

Travel Tips

How long does menopause last? 5 tips for navigating uncertain times

<a href="https://theconversation.com/profiles/yvonne-middlewick-1395795">Yvonne Middlewick</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> Around half of the world’s population are women or people who menstruate – yet the way their body works can be a mystery, even to them. Most women will experience periods roughly every month, many will go through childbirth and those who live into midlife will experience menopause. While menopause is a significant time of change, it isn’t talked about much, other than as a punchline. This may contribute to keeping it a <a href="https://www.theguardian.com/membership/2019/sep/21/breaking-the-menopause-taboo-there-are-vital-stories-we-should-continue-to-pursue">taboo topic</a>. So, what happens during menopause? How do you know when it is happening to you? And – the thing most women want to know – how long will it last? <h2>What is menopause?</h2> Menopause is <a href="https://www.nia.nih.gov/health/what-menopause">defined</a> as the permanent cessation of menstruation, which is medically determined to be one year after the final menstrual period. After this time women are considered to be postmenopausal. The <a href="https://pubmed.ncbi.nlm.nih.gov/26598775/">average age</a> of “natural menopause” (that is not caused by a medical condition, treatment or surgery) is considered to be around 51 years. However, natural menopause does not occur suddenly. <a href="https://www.researchgate.net/profile/Riitta-Luoto/publication/46425690_Prevalence_of_menopause_symptoms_and_their_association_with_lifestyle_among_Finnish_middle-aged_women/links/5c5704ac458515a4c7553c7b/Prevalence-of-menopause-symptoms-and-their-association-with-lifestyle-among-Finnish-middle-aged-women.pdf">Changes can begin</a> a number of years before periods stop and most often occur in a woman’s 40s but they can be earlier. Changes <a href="https://pubmed.ncbi.nlm.nih.gov/25686030/">can continue</a> for 10 years or more after periods have stopped. Using hormones such as the oral contraceptive pill or hormone intrauterine devices may make it more <a href="https://pubmed.ncbi.nlm.nih.gov/31934948/">difficult to determine</a> when changes start. Menopause that occurs <a href="https://www.womenshealth.gov/menopause/early-or-premature-menopause#:%7E:text=Menopause%20that%20happens%20before%20age,to%20come%20earlier%20than%20usual.">before 45</a> is called “early menopause”, while menopause before 40 is called “premature menopause”. <h2>What about perimenopause?</h2> Various <a href="https://www.menopause.org.au/hp/information-sheets/glossary-of-terms">terms</a> are used to describe this period of change, including “menopause” or “the menopause”, “menopausal transition”, “perimenopause” or “<a href="https://pubmed.ncbi.nlm.nih.gov/12188398/">climacteric</a>”. These terms tend to refer to the period before and after the final menstrual period, when changes are considered to be related to menopause. The difficulty with the definition of menopause is it can only be decided retrospectively. Yet women can experience changes many years before their periods stop (a lead up usually called “perimenopause”). Also, any <a href="https://www.sciencedirect.com/sdfe/pdf/download/eid/1-s2.0-S0889854518300627/first-page-pdf">changes noticed</a> may not be associated with menopause (because people might not be aware of what to expect) or changes may be associated with a combination of factors such as stress, being busy or other health issues. <h2>So, what is going on?</h2> Through a feminist lens, menopause can be seen as a <a href="https://www.researchgate.net/publication/354652248_The_volcano_within_a_study_of_women's_lived_experience_of_the_journey_through_natural_menopause">complex and diverse experience</a>, influenced by biological, psychological, social and cultural aspects of women’s lives. However, it is usually viewed from the biomedical perspective. This sees it as a biological event, marked by the <a href="https://www.sciencedirect.com/science/article/pii/S0091302220300418">decline</a> in ovarian hormone levels leading to a reduction in reproductive function. The female reproductive system operates because of a finely tuned balance of hormones managed by the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6466056/#:%7E:text=The%20hypothalamic%2Dpituitary%2Dovarian%20(HPO)%20axis%20must%20be,priming%20the%20endometrium%20for%20implantation.">hypothalamic-pituitary-ovarian axis</a>. International <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3340903/">experts</a> have developed a staging system for female reproductive ageing, with seven stages from “early reproductive” years to “late postmenopause”. However, female reproductive hormones do not just affect the reproductive system but <a href="https://www.sciencedirect.com/science/article/pii/S0091302220300418">other aspects</a> of the body’s function. These include the <a href="https://pubmed.ncbi.nlm.nih.gov/26007613/">neurological system</a>, which is linked to hot flushes and night sweats and disrupted sleep. Hormones may also affect the <a href="https://www.nature.com/articles/nrdp20154">heart and body’s blood circulation</a>, bone health and potentially the <a href="https://www.sciencedirect.com/science/article/pii/S0091302220300418">immune system</a>. Menopausal hormone changes may <a href="https://www.thewomens.org.au/health-information/menopause-information/menopause-symptoms/">cause</a> hot flushes, night/cold sweats, mood swings, sleep disruption and tiredness, vaginal dryness. Medical confirmation of menopausal changes in women over 45 years is based on two biological indicators: vasomotor symptoms (those hot flushes and night sweats again) and an <a href="https://www.womenshealth.gov/menopause/early-or-premature-menopause#:%7E:text=Menopause%20that%20happens%20before%20age,to%20come%20earlier%20than%20usual.">irregular menstrual cycle</a>. In early perimenopause the changes to the menstrual cycle may be subtle. Women may not recognise early indicators, unless they keep a record and know what to watch for. <h2>How long does it last?</h2> The body demonstrates an amazing ability to change over a lifetime. In a similar way to adolescence where long-lasting changes occur, the outcome of menopause is also change. Research suggests it is difficult to give an exact time frame for how long menopausal changes occur – the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3085137/">average</a> is between four and eight years. The <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3085137/">Penn Ovarian Ageing Study</a> found 79% of the 259 participants experienced hot flushes starting before the age of 50, most commonly between 45 and 49 years of age. A later report on the same study found one third of women studied experienced <a href="https://womensmidlifehealthjournal.biomedcentral.com/articles/10.1186/s40695-016-0014-2">moderate to severe hot flushes</a> more than ten years after their periods had stopped. A <a href="https://journals.lww.com/menopausejournal/Abstract/2017/03000/Cultural_issues_in_menopause__an_exploratory.11.aspx">2017 study</a> found a small number of women continued to experience hot flushes and other symptoms into their 70s. So overall, the research cannot offer a specific window for perimenopause, and menopause does not appear to mark the end of changes for everyone. <h2>5 tips for uncertain times</h2> Shifts and changes can be recognised early by developing knowledge, paying attention to changes to our bodies and talking about menopause and perimenopause more openly. Here are five tips for moving from uncertainty to certainty: 1. talk to people and find out as much information as you can. The experiences of mothers and sisters may help, for some women there are familial similarities 2. notice any changes to your body and make a note of them, this will help you recognise changes earlier. There are <a href="https://www.redonline.co.uk/wellbeing/a36980118/menopause-apps/">menopause tracking apps</a> available 3. keep a note of your menstrual cycle: start date, duration, flow and note any changes. Again, an app might help 4. if you are worried, seek advice from a GP or nurse that specialises in women’s health. They may suggest ways to help with symptoms or refer to a specialist 5. remember changes are the indicator to pay attention to, not time or your age. Menopause is a natural process and although we have focused here on the time frame and “symptoms”, it can also be a time of freedom (particularly from periods!), reflection and a time to focus on yourself.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/195211/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <figure><iframe src="https://www.youtube.com/embed/lhosPUwWhfI?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>Women speak about their experiences of menopause.</figcaption></figure> <a href="https://theconversation.com/profiles/yvonne-middlewick-1395795">Yvonne Middlewick</a>, Nurse & Lecturer, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-long-does-menopause-last-5-tips-for-navigating-uncertain-times-195211">original article</a>.

Body

Flight attendant reveals why planes have tiny holes in their windows

Have you ever wondered why there are tiny holes at the bottom of a plane window? Flight attendant Henny Lim has revealed the reason why they are there, and why it is such an important feature on planes. The tiny hole, otherwise known as a “bleed hole” serves as a major safety function to help balance the pressure difference between the cabin and the outside air. “If you’ve ever sat in the window seat on a flight, you’ve probably noticed the tiny hole at the bottom of the window,” she said. This is because cabin windows on commercial planes are usually made up of three layers of glass and acrylic to keep them strong and insulated. The bleed hole allows for a controlled flow of air between the layers, equalising the pressure and reducing stress on the window panes. It also helps prevent condensation as the temperature changes at higher altitudes, allowing a small amount of dry air to flow between the three layers, which keeps the windows clear. “It also has another purpose, which is to release moisture and stop frost or condensation from blocking your view,” Lim added. Lim has grown a following on social media for sharing insider tips and knowledge on planes and flying, including why flight attendants sit on their hands during take-off and landing. Images: TikTok

Travel Tips

Five tips for developing and managing your budget – even in tough economic times

<a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a> There’s nothing quite like a new year to prompt us to take stock of our lives, our health, our goals – and our finances. Many people will start a new year by contemplating how best to budget, plan and save. This is always a good set of aims, but it’s especially important in the inflation-prone and unpredictable economies we’re seeing <a href="https://www.statista.com/statistics/268225/countries-with-the-highest-inflation-rate/">all over Africa and the world</a>. Budgeting is especially key. It is the most effective method to <a href="https://www.thebalancemoney.com/how-to-make-a-budget-1289587">monitor income and expenditure</a>. <a href="https://www.uslendingcompany.com/blog/key-differences-in-writing-a-household-budget-vs-a-personal-budget/">Personal budgets</a> can help you to monitor your resources in pursuit of larger financial goals. Budgeting also offers <a href="https://www.acrwebsite.org/volumes/v46/acr_vol46_2411998.pdf">more opportunities</a> to save money, reduce your debts and live a comfortable life. It can even <a href="https://prucomm.ac.uk/assets/uploads/blog/2013/04/Personal-Budgets-review-of-evidence_FINAL-REPORT.pdf">improve your mental health</a>. But where should you start? What questions do you need to answer in creating a budget? Here are some tips that I’ve learned – not just as an economist, but as a research cost analyst and someone who keeps a budget too. <h2>1. Understand the broader economic conditions</h2> It is imperative that individuals keep themselves aware and up-to-date on the realities of their country’s economic landscape. You don’t have to be a professional economist, but keep an eye on new developments like free business registration, small business development funds and printing of new money notes. What is the current exchange rate? What’s the political landscape and what international factors, like the price of crude oil, are at play? You should also watch the inflation rate and have a sense of unemployment trends. This economic awareness will prepare you to draft your own budget and you’ll have a sense of when external factors mean it’s time to revisit your plans. <h2>2. Review your income sources</h2> The ability to earn income is critical to sustaining livelihoods. Having a definite source of income is the bedrock of budgeting. Some important questions you should ask about your income – and how you might budget with it – include: <ul> <li>What is my current income?</li> <li>What do I use my income for?</li> <li>Am I able to save, given my current income?</li> <li>What proportion of my income do I save and what proportion do I spend?</li> <li>Do I have the capacity to earn more than this?</li> <li>How can I improve my income?</li> </ul> Your answers can help you to identify gaps or untapped potential. Those with irregular or unpredictable income should factor in the element of time-gap in their income, for effective budgeting. Time gap is when they are not earning income. And everyone should make allowance in their budgets for uncertainties like health issues, social engagements, inflation, unemployment, recession and price shocks. <h2>3. Appraise your expenses</h2> Expenses can be broadly categorised into “variable” and “fixed”. Fixed expenses recur within a short period: housing, food, transport, medical costs, electricity, utilities, toiletries and clothing. Variable expenses are more long-term and irregular, such as investment in property or interest-yielding assets, and the purchase of machinery. The main essence of revising our expenses is to analyse and possibly improve our spending habits. In reviewing our expenses, we can consider issues such as: <ul> <li>What is the proportion of consumption-savings ratio from my income? This is how much do I spend compared to how much I save.</li> <li>What are my regular expenses?</li> <li>What are my fixed, capital or investment expenses?</li> <li>What are my extraordinary expenses that need modification?</li> <li>Have there been emergency or extraordinary expenses?</li> </ul> A careful response to the issues raised above offers an occasion to re-evaluate the pattern and direction of our expenses. For instance, overspending, unplanned or extraordinary expenses can be identified. This can lead to an optimal, efficient reallocation of available resources. <h2>4. Stabilise your finances through savings</h2> Savings have been <a href="https://klinglercpa.com/bedrock-principles-for-saving-money/">described</a> as a financial stabiliser, given their potential to cater for urgent needs and create opportunities for investments. Of course, savings have more value when they grow faster than the rate of inflation. Inflation erodes the value of savings. For instance, an amount of 300,000 naira (US$676) saved to purchase an autorickshaw today may be impossible in two months’ time with an inflation rate of 10% when the tricycle price rises to 330,000 naira (US$744). The reverse is the case when there is deflation. Therefore, it is advisable to improve the value of savings through investments in interest-yielding assets such as stocks, shares, bonds, microfinance and production. That’s not to say it’s always easy to save. Many income earners spend as they go, not seeing savings as part of their budgets. Harsh economic realities can also make it difficult – sometimes seemingly impossible – to save. But it’s not impossible: savings can be made in small amounts, through a daily, weekly or monthly contribution to collections, cooperative schemes or microfinance affiliations. For instance, a point of sale business in Nigeria can permit a daily contribution of 500 naira (US$1.13) over 25 work days, giving an average saving of 12,500 naira (US$28.18) per month. The Point-of-Sale business started in Nigeria in 2013 when the Central Bank of Nigeria introduced the agent banking system. A POS agent operates and processes transactions through a POS service provider. Providers of such services include banks, microfinance banks and fintech companies. <h2>5. Run a flexible budget</h2> Once your budget is created, remember that it’s not set in stone. It should be flexible if anything changes in your life. For instance, an amount saved to buy a car can be invested in a promising venture buying shares through public offerings or private placements in multinational organisations like Nestle or Unilever. Also, health emergencies or career advancement programmes can require taking some money out of our savings. In all, budgeting should be flexible enough to incorporate exigencies, especially when catering for the current situation will culminate into a greater good.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/195590/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, Lecturer/Researcher, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-tips-for-developing-and-managing-your-budget-even-in-tough-economic-times-195590">original article</a>.

Money & Banking

The cheapest places to travel in 2024

With the cost of living continuing to rise, many people are looking for cost-friendly ways to travel the world in 2024. Some destinations are more economic than others, with these somewhat overlooked holiday hotspots showcasing the best of travelling without breaking the bank. If you’re looking for a new adventure this year, these corners of the globe are the cheapest places to travel in 2024. The Philippines The underrated gem located only a few hours northeast of Australia is one of the cheapest destinations in Asia, it's a wonder why more tourists don’t visit. Not only is it home to over 7,500 picturesque islands, six UNESCO World Heritage Sites and an endless chain of pristine beaches, it's also very affordable with resort accommodation under $100 a night is not hard to find. On top of accommodation, day tours and activities (snorkelling, for example) will set you back around $30 to $40. Flights are also reasonable in cost, with return flights from Sydney to Manila coming in around $600 per person. Turkey Travellers can get to Istanbul from Melbourne and back for approximately $1,300 per person, to visit some of the world’s most historical sites. Turkey is a paradise for those travelling on a budget, with mouthwatering meals can be found regularly for as little as $5, and even less for street food. To make it even better, striking accommodation in the historic Galata region can be as low as $50 a night. Hungary Hungary is regularly dubbed one of Europe’s cheapest tourist destinations, with accommodation, dining and entertainment costs significantly lower than the neighbouring countries. Expect to part with $60 to $100 a night for a pretty-as-a-picture hotel in the city centre, around $10 to $15 for meals in restaurants, and anywhere between $7 to $30 for activities. There are also tourist passes available that make these costs even cheaper. Albania Located on the western part of the Balkan peninsula, this destination is often overlooked by tourists, making it an ideal budget-friendly destination. The stunning country is home to UNESCO World Heritage sites and turquoise beaches, all while keeping your budget in mind. Beachside accommodation can be found for as little as $70 a night, with prices comparable to Turkey for restaurant meals. Image credits: Getty Images

International Travel

Flight attendant reveals why you should never use the toilet paper on a plane

A flight attendant has revealed the gross reason why you should never use the toilet paper on a plane journey. The seasoned cabin crew member, an American woman named Cheryl, shared the three things she would never do on a plane after seeing what really goes on behind closed doors on an aircraft. Her first tip for any traveller was not to use the toilet paper in a plane bathroom. Sharing her tips in a TikTok video, she wrote, "If you examine the toilet paper, I promise you're going to see water droplets on it, or what you think are water droplets." "I don't think we can trust most men to make it in the toilet on a normal day, let alone flying at 36,000 feet with turbulence." To combat this, the flight attendant recommends bringing a travel pack of tissues in your hand luggage to use instead. She also warned her viewers against wearing shorts on their next flight. "I would never wear shorts on a plane. You're going to freeze to death," she said. Cheryl pointed out another valid reason to opt for long pants on a flight, stating, "Say we have an evacuation. You have to go down the slide. Your butt cheeks are going to be sizzled off.” Lastly, Cheryl urged travellers to never book less than a three-hour connection between flights. "Delays can happen for a million and one reasons. The likelihood that you're going to miss your connection is pretty high if you're booking shorter than three hours," she said. Image credits: TikTok

Travel Tips

Top tips for happy and healthy eyes this Autumn

As the season changes, so do our healthcare needs as many people struggle with irritating allergies. With cooler temperatures, dry air and an increase in pollen often being synonymous with autumn and spring, for many people, leaving the house means having irritated eyes. Luckily, leading Ophthalmologist, Dr. Jacqueline Beltz has shared her essential tips for eye care during autumn with OverSixty, giving you the opportunity to enjoy the change of seasons without jeopardising your vision. 1. Keep your sunglasses handy While the sun is usually not as intense in autumn as it is during summer, Dr Beltz says that using sunglasses can benefit your eyes in many ways. “ Not only do they shield your eyes from harmful UV rays, but they also guard against wind and debris,” she said. 2. Increase your lubricant eye drops Dr Beltz said, “The drop in temperature and the dryer air can contribute to discomfort and dryness in your eyes, so consider increasing the use of lubricant eye drops to keep your eyes moist and comfortable.” By keeping up your eye drops in autumn, you can prevent further damage to your eyes in the long run. 3. Clean your eyelashes daily According to Dr Beltz, keeping up with good health and hygiene along the eyelid margins is essential, especially during the autumn months. “Cleanse your lashes daily and use a warm compress to optimise the quality of your tear film. This helps in preventing irritation and supports overall eye health.” 4. Consider a humidifier To ensure a more comfortable environment for your eyes, Dr Beltz recommends adding moisture to the air can help alleviate dry eyes. She said, “Combat the dry indoor air by using a humidifier in your room, especially while you sleep.” 5. Be proactive with allergies If you are prone to allergies, Dr Beltz said it's best to always be prepared ahead of time. “Autumn allergies are a reality, with triggers like pollen, mould, and dust prevalent during this season,” she said. “If you experience red, itchy, or swollen eyes, consider antihistamine eye drops. Keep your hands clean and avoid rubbing your eyes.” 6. Revitalise your eye makeup While replacing your eye makeup is important all year around, the addition of allergens makes it even more important to Change mascara and non-cleanable products like liquid eyeliner at least every three months. “Especially if you have sensitive eyes, makeup products can harbour bacteria, leading to increased eye irritation.” “Refreshing your eye makeup products to options that are designed to be better suited for dry eyes or eye sensitivity.” If you are <a href="https://oversixty.com.au/lifestyle/beauty-style/embracing-the-art-of-beauty-without-compromise">prone to sensitive eyes</a>, consider trying the OKKIYO <a href="https://www.okkiyo.com/products/protect-and-preserve-mascara#xd_co_f=NzdiNzdlNTctNTA1MS00NTBkLWE1MGEtNjRkMGE2OTI1N2Vj~">Prioriteyes Mascara</a>, which was developed by Dr Beltz to prioritise both style and eye health. While these tips for eye health can seem simple and seemingly unimportant, Dr Beltz assures that by following these tips, you will make a world of difference for your eye health overall. She said, “Implementing these simple tips can make a significant difference in keeping your eyes comfortable and vibrant throughout the season.” Image credits: Getty Images

Body

The surprising reason you shouldn’t bring camouflage clothing on a cruise

Dress codes If you’ve been on a cruise before, then you’re probably aware that dress codes are still a thing. In fact, clothing recommendations are quite common, as some of the best cruise lines have formal nights, dress-to-impress evenings and planned costume or themed cruise events. So rules about what you can and cannot wear aren’t abnormal. As such, packing for a cruise is no easy feat: You’ll need formalwear for nights, pool wear for the day, outfits for excursions and layers for inclement weather. I’m an avid cruise-goer, and there are a number of items I never board a cruise ship without, but there’s also one thing I absolutely never pack for a cruise headed for the Philippines or the Caribbean: camouflage clothing. Why is camouflage clothing inadvisable? It actually has nothing to do with the formality of your wardrobe. Camouflage clothing happens to be illegal to wear in many countries that are popular cruise destinations. According to cruise liner Royal Caribbean, the Philippines, Antigua, Barbados, Grenada, Jamaica, St. Lucia and Trinidad and Tobago are among those that prohibit camouflage. And while camouflage print clothing and accessories, as well as military-style clothing, aren’t technically banned onboard cruises, most cruise companies will simply ask you not to pack them to curb any potential issues at ports. Why is camouflage clothing banned in these countries? In most countries that prohibit camouflage, it’s because the disguising clothing is reserved for military personnel only. And it’s important to be respectful of this camouflage-free rule, which I learned while travelling to Nevis about seven years ago. My friend was stopped by hotel staff who advised her to change out of her camouflaged pants if she planned to leave the property. Not understanding the seemingly odd request without any context or explanation, we asked what would happen if she didn’t comply. Their response? She could get fined or arrested. As you can imagine, those cute camo pants were then stuffed into her suitcase for the remainder of our stay. “It is a concern because of the affiliation with criminal gangs as well as armed forces,” says Lauren Doyle, a travel advisor and president of boutique travel agency The Travel Mechanic. She says that to avoid any confusion and help curb any potential issues in the future, cruise lines simply advise against bringing it onboard. Doyle, who has booked many cruises for customers, says this information is usually found on a cruise line’s website (which is why it’s important to brush up on cruise tips prior to setting sail), and that many cruise lines will include it in their daily newsletter or app if you’re going to any country that prohibits it. What to do if you accidentally pack camouflage clothing If you’ve packed a camo hat, bathing suit, cargo pants or the camouflage backpack you carry, just leave it on the ship, even if you’re unsure of restrictions on what to wear in certain ports of call. Generally, you can wear camo clothing while you’re onboard, just not during excursions or on land. So if you’ve packed it, go ahead and rock your camo print at the breakfast buffet or on the pool deck (as you ponder those big white balls on the cruise deck). And while you could probably technically wear your camo while chilling on your stateroom balcony, if it’s viewable to the country you’re visiting, it may still be considered disrespectful, so we don’t recommend it. What else is prohibited on a cruise ship? There are plenty of things you can’t do on a cruise, but what about things you shouldn’t bring to begin with? There are a few more surprising items Doyle recommends leaving at home. “Small appliances – like hot plates, steamers or irons – are also prohibited, along with electric blankets,” Doyle says. “Also, medical marijuana is not allowed on cruise ships. Drones are not allowed either.” Each cruise line lists prohibited items on their website, along with some exceptions, so be sure to consult their information before you start packing. Image credits: Shutterstock This article originally appeared on <a href="https://www.readersdigest.co.nz/travel/cruising/the-surprising-reason-you-shouldnt-bring-camouflage-clothing-on-a-cruise" target="_blank" rel="noopener">Reader's Digest</a>.

Cruising

14 personal finance tips you were never taught – but need to know

Take a day to think about large purchases to avoid impulse buys “Delaying your purchases for a day gives you time to think about whether or not you really need the items, and it curbs regrettable impulse buys,” advises Marc Diana, CEO of MoneyTips. “Sale items may be an exception to this rule, but even then, question how badly you need the item compared to saving or investing the money you would use to purchase it. When times are tough, and you’re cutting expenses, would you rather have a rarely worn $300 pair of shoes or $300 cash?” Budgets are freeing, not constricting Says financial educator Tiffany Aliche, “Keeping a budget allows you to say yes to your goals in a strategic way. If you have a budget, you can save for the holiday, house or car you want to get. You can look at it as ‘No dining out,’ but I see it as ‘Yes to a trip to Paris.’ A budget is not a NO plan, but a YES plan with actual steps towards achieving your goals.” Budget with the 50/20/30 rule Lynn Toomey, co-founder of Your Retirement Advisor, suggests following this easy budgeting rule: Use 50 per cent of your income for non-discretionary necessities like food, rent/house payment, utilities, and transportation. Put aside 20 per cent of your income for an emergency fund (three to six months’ salary is a good target), retirement, savings, and to pay off any debts. Use 30 per cent of your income for discretionary (non-essential) spending such as entertainment, holidays and gifts. Penny-pinching is not the road to wealth Spending less doesn’t mean you’ll have more. Saving is a good way to stabilise your finances, but you still need to invest. “Pretend there are two islands,” advises Aliche, who is also known as The Budgetnista: “Financially Stuck Island and Wealthy Island.” She says that your savings can be like a car – you can’t drive off Financially Stuck Island without a bridge. Investing is the bridge to financial success. “To get from one island to another, you need to get in your savings car and drive it over your investment bridge.” It’s OK to put yourself before your kids Many people want their kids to go to university, says Aliche, “but it’s more important for you to save enough for retirement. Because the best gift you can give your child is not a free ride to school, but rather not to be a financial burden on them when it’s time to start their own family. Kids can get student loans; no one is going to lend you money without collateral when you’re retired.” Financial advisors aren’t only for wealthy people Millions of people have trillions invested in stocks, bonds, mutual funds and other stock exchange investments, but just because you can easily make trades yourself doesn’t mean you should. “Why not do what you do best to earn money and let a trained professional invest it for you?” asks Brian Saranovitz, president of Your Retirement Advisor. “A recent Vanguard Investments study indicated that integrating proper retirement strategies can add as much as 3 per cent efficient return to a retirement portfolio.” Adds Aliche, “You need to purposefully seek out knowledge. If you break a leg, you know that you need to go to a doctor. With personal finance, people have got the notion that they could just fix it themselves. When it comes to investing, don’t be afraid to seek professional help.” Get a clear picture of yourself at 80 Barring tragedy, you will live to a ripe, old age. Aliche recommends naming your 80-year-old image of yourself. “Mine is Wanda. I imagine Wanda sitting on the front steps in her yard. People feel disconnected from their older self. The more you can picture her, the better. I don’t want to see her mopping floors at 80. When I’m making a decision, I think, ‘How will this affect Wanda?’ If I dip into my retirement funds to buy an expensive car, that’s going to hurt Wanda.” If it’s easier, pretend you’re living with your grandfather or grandmother. “You’re not going to tell Granny, ‘You have to go to work. We need the money,’” she says. You can never have too much retirement savings Says Lynn Toomey, co-founder of Your Retirement Advisor, “Life is good. Retirement is better, if you are prepared.” She points out that retirement is laden with potential costs, such as healthcare, longevity, market volatility and inflation. “Even if you think you’re saving enough and have assets, it still may not be enough. The earlier you start saving and investing, the longer compound interest can work its magic to help you achieve a successful retirement.” Don’t blow your tax refund “What are you planning on doing with your tax refund?” asks financial advisor Mike Zaino. “If you’re like most people, the world of instant gratification is beckoning. It could be extremely damaging to your retirement account, however, especially given the time value of money and what Albert Einstein called ‘The eighth wonder of the world” – compound interest.” Ask current lenders for a better rate “Banks, credit unions and other lenders are keenly aware of their competition,” says Diana of MoneyTips.com. “If your credit score qualifies you for a better rate from another credit card issuer or lender, ask them to match the rate. There’s no downside to asking; the worst they could do is refuse.” Asking for your credit limit to be raised can improve your credit score Keep your credit utilisation – the amount of credit you use compared to your credit limit – low to boost your all-important credit, advises Diana. “You can borrow less, or you can ask for a raise in your credit limit.” A recent study from CreditCards.com found that only 28 per cent of respondents have never asked for an increase in their credit limit. However, a whopping 89 per cent of those who asked for a credit limit increase received one. Unless they have a high annual fee, don’t close your old credit cards “The longer your stable credit history, the better it reflects on your credit score,” explains Diana. “The age of accounts is averaged over all of your credit accounts, so closing an older account that is infrequently used actually harms your credit score in two ways: it lowers your credit limit, which raises your credit utilisation; and it lowers your average account age. If you have an old card with a decent credit limit, use it at least annually to keep it open. But don’t forget to pay the bill on time!” Don’t ever co-sign a loan “Co-signing a loan isn’t just vouching for someone’s character,” explains Toomey. “Understand that if the borrower doesn’t pay, then you’re responsible for every single missed payment. If they don’t pay, it’s your credit that will be ruined.” Being debt-free should not be your goal Says Aliche, creator of the Live Richer Challenge, “People focus on getting out of debt. If they use that money to grow wealth instead of getting rid of debt, they could be debt-free faster. Do you pay off your student loans to get debt-free, or invest money in your business to grow and secure wealth for yourself? If you focus on being debt-free, that’s all you’ll be. If you focus on building wealth, then you can be wealthy and debt-free.” Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.co.nz/food-home-garden/money/14-personal-finance-tips-you-were-never-taught-but-need-to-know?pages=1" target="_blank" rel="noopener">Reader's Digest</a>.

Money & Banking

14 best places to travel in 2024

If you’ve been to an airport recently, what we’re about to tell you will come as no surprise: Travel is back in a BIG way. Travellers are hitting the skies – and the rails, roads and seas – in record numbers, looking for the best places to travel. So what does that mean for 2024? “We’re looking at a wave of excitement over travelling with family and friends,” according to Heather Heverling, managing director of Audley Travel. “One thing we’re seeing a lot of is ‘skip-gen’ travel,” when grandparents take their grandkids on holidays but leave the parents at home. (We say: Those are some lucky kids!) And while domestic travel will certainly be popular, people are also looking to expand their horizons. Interest in Japan is booming, says Heverling. And there’s a desire to leave the crowds behind and find hidden gems in spots like France, where many people will be headed to watch the Olympics this summer. We know – there are so many amazing places to go and cool things to see, and it’s hard to narrow things down! To help you pick the perfect spot, we’ve rounded up some of the best places to visit in 2024, whether you’re looking for quick trips, beach getaways, cheap places to travel, city experiences or far-flung adventures. Read on to get a whole year’s worth of inspiration! South Island, New Zealand Wondering which hot spot to visit first? Our pick for 2024 is South Island, New Zealand. Christchurch is considered the base camp for South Island explorations. During the day, kayak in the emerald waters of Abel Tasman National Park, bike or hike to gorgeous hot springs, or sample New Zealand’s best pours at spots like Tussock Hill Vineyards (where you can also spend the night in new luxury suites nestled in the vineyard). When the sun goes down, it will be time for spectacular stargazing at Aoraki Mackenzie International Dark Sky Reserve, which recently became the first Dark Sky Reserve in New Zealand. Where to stay: Find a hotel that puts you right in the heart of Christchurch and within walking distance of restaurants, shops and the Botanical Gardens. Paris, France Everyone is talking about visiting France this year, and for good reason. Paris will be hosting the Summer Olympics, with events held throughout the City of Lights and the surrounding area – including boating and swimming events on the Seine River and dressage events at Versailles. (According to France’s tourism office, 95 per cent of the Olympic and Paralympic events will be held in existing locations for a more sustainable world event.) The city is in full-throttle preparation mode, with new hotels opening, art exhibits launching and plenty of projects underway to make Paris shine even brighter than usual. And that’s not all France has going on. June 6, 2024, is the 80th anniversary of D-Day, when Allied forces stormed the beaches of Normandy. To get the most context out of a visit, it helps to go with a guide who can take you through the area and bring the past to life through storytelling and interactive exhibits. Where to stay: If possible, base yourself in the ever-popular Left Bank neighbourhood in the 6tharrondissement of the city, where you’ll be able to enjoy views right across the river of the stunning Notre Dame Cathedral, which is set to reopen in late 2024 after its devastating 2019 fire. Like we said, it’s a big year! Cambodia Why you should go: More ways to explore and two new airports to reach the country Cambodia is a bucket-list destination for many travellers. “With the addition of luxury lodges and resorts, travellers can now enjoy a true luxury immersion in Cambodia – blending ancient ruins and culture, cuisine and handicrafts, rainforest and jungle, and ending with a sublime beach stay,” says Brady Binstadt, CEO of GeoEx, an adventure-travel company. In the little-visited Cardamom Forest Protected Area, options for hiking, mountain biking, boating and bird-watching abound, says Binstadt, who also recommends boating through lush forest to Tatai village, where visitors can walk by the river, kayak through mangroves and listen to the symphonic sounds of wildlife from a floating lodge. You’ll also want to visit Angkor Wat, famed for its glorious temples. Happily, reaching Angkor Wat just became a lot easier with the brand-new, $1 billion Siem Reap-Angkor International Airport, which is just a short drive from the UNESCO Heritage Site temple complex. Later in 2024, the capital of Cambodia, Phnom Penh, will also unveil a new $1.5 billion airport, providing even more ways to reach the country. Where to stay: Shinta Mani Wild in the Cardamom Mountains is a luxury jungle retreat about three hours from Phnom Penh; it boasts its own zip line over the waterfalls and river where the remote lodge is located. Another unique option is Six Senses Krabey Island off the southern coast, where 40 glass-front villas are tucked into the dense foliage of this romantic resort. Indulge in a treatment at the luxe spa after exploring the nearby Kbal Chhay waterfalls and the waterways of Ream National Park. Los Angeles, California Yes, we know, you hear “LA” and think beach and sand. But for 2024, replace that with cool art and culture, since Los Angeles will be hosting two awesome openings. When it opens in February, Destination Crenshaw will be the largest Black art program in the US, with a two-kilometre stretch of Crenshaw Boulevard in South LA, containing 100 commissioned works by Black artists displayed within beautifully landscaped community spaces. And September will see the launch of Getty’s colossal PST ART: Art & Science Collide. The latest edition of the initiative (previously known as Pacific Standard Time) will include more than 50 exhibitions across the Los Angeles area, including iconic spots like the Griffith Observatory, the LA County Museum of Art (LACMA) and the Getty Center. The exhibits aren’t just paintings and sculptures. They are intersections of art, science and the natural world – including “Color in Motion: Chromatic Explorations of Cinema” at the Academy Museum of Motion Pictures; “From Fire We Are Born,” which explores Native American culture at the Fowler Museum at UCLA; and “Seeing the Unseeable: Data, Design, Art” at the ArtCenter College of Design. Where to stay: No matter which room or suite you book at the InterContinental Los Angeles, you’ll be greeted with what feels like a never-ending view. You’ll see everything from the Pacific Ocean to the Hollywood sign and downtown skyscrapers. And not only is it the tallest building west of Chicago, but the location puts you right in the middle of all the arts action. Okavango Delta, Botswana Why you should go: Sustainable new safari camps deep in the Delta. Always dreamed of going on safari? Botswana should be at the top of your 2024 travel list. A decade after being designated the 1000th site on UNESCO’s World Heritage List, Botswana’s watery Okavango Delta remains a captivating marvel of nature that differentiates it from other safari destinations. The intricate network of waterways, lush greenery and diverse ecosystems presents amazing opportunities to observe animals like elephants, impala, kudu, zebra and more from a mokoro, or dugout boat, as you float silently through the area. For an intimate stay in the wilderness areas, try the new tented camps. If that’s not your thing, there are also fancy, all-inclusive hotels that wrap game drives into their included offerings. Where to stay: First, there’s the Natural Selection’s Tawana Camp, which is set to open in May 2024 in the Moremi Game Reserve. It will combine modern luxury (think: multi-bedroom, free-standing suites with private pools) with intimate safari experiences. Bonus: This corner of Botswana is known for its high population of lions and leopards. Atzaro Okavango from African Bush Camps opens in March 2024, offering sustainable luxury in the heart of the Delta. This eco-friendly property is made from recycled materials and powered entirely by solar energy. Guests stay in air-conditioned suites with their own plunge pools and will be treated to year-round sightings of elephants, buffalo, lions, leopards, giraffes, hippos and other African wildlife. Turks and Caicos Why you should go: Because kiteboarding will be the thing to do in 2024 – and Turks and Caicos is also heaven on earth. We’re calling it: When kiteboarding makes its official Olympic debut in 2024, the sport will surge in popularity. But don’t go to Paris to do it. Instead, head to Turks and Caicos, a fabulous warm-weather winter getaway that offers some of the best kiteboarding conditions in the world. “The island’s consistent trade winds, shallow warm waters and large areas of flat, uncrowded riding make it an ideal destination for this thrilling water sport,” says Vasco Borges, the owner of Beach Enclave Turks and Caicos and a passionate kiteboarder. Swimming and snorkelling are popular activities on the island as well, and avid divers love the mammoth undersea coral wall off Grand Turk. Plus, Turks and Caicos is home to some of the most gorgeous beaches in the world. In other words, it’s always one of the best places to travel! Where to stay: New for 2024, Beach Enclave will offer new beach houses with privacy, tranquility and an oceanfront private pool on the North Shore. The Grace Bay location of the multi-location resort is introducing contemporary villas with a blend of indoor and outdoor living, called the Reserve at Grace Bay. And finally, at the resort’s Long Bay location, which is known as a kiteboarder’s haven, you’ll find new beach houses along the pristine white-sand beachfront, ideal for families and water-sports enthusiasts. Belize Have you heard of the Great Barrier Reef? We thought so. How about Belize’s Barrier Reef? Not so much, right? We’re here to tell you that in 2024, it’s time to put this natural wonder on your must-visit list. The world’s second-largest barrier reef (behind Australia’s), it is actually the biggest reef in both the northern and western hemispheres. The snorkelling here is magnificent, and so is the diving – plus, it’s not as crowded as the better-known Australian alternative. If you’re looking for the perfect home base while visiting, consider Belize’s largest island, Ambergris Caye. The Belize Barrier Reef is just a 400-metres offshore, and you’ll definitely want to check out the protected Hol Chan Marine Reserve, which is just a 10-minute boat ride from the main town of San Pedro. When you’re not snorkelling or swimming, spend your days popping into Belizean art galleries and souvenir shops or just lounging on the white sand. Where to stay: Try the Alaia Belize, an Autograph Collection hotel in the island’s historic town of San Pedro. This beachfront hotel is just 600 metres from the Belize Barrier Reef Reserve and has stunning views of the Caribbean Sea. Plus, it has an on-site dive shop and three pools, including Belize’s first-ever suspended rooftop pool and a lounge with 360-degree views. Paros, Greece Have you heard of destination dupes? According to Expedia, these are “places that are a little unexpected, sometimes more affordable and every bit as delightful as the tried-and-true destinations travellers love.” One of our favourites on Expedia’s list is this stunning Greek island that usually sails under the most travellers’ Mediterranean radars in uncrowded bliss while the hordes of tourists head to Mykonos and Santorini. Visiting the island, which is about a two-hour ferry ride south of well-known party island Mykonos and right next to Naxos, is one of the best things to do in Greece, since it means enjoying idyllic beaches framed by the azure waters of the Aegean Sea. While you’re here, explore the winding streets and charming villages of Naoussa and Lefkes, and sip whipped coffee frappes or ouzo at the picturesque port of Parikia (the island’s capital), home to whitewashed houses adorned with vibrant bougainvillea. Where to stay: You can’t go wrong at the newly opened Minois hotel, where the whitewashed walls hold luxurious touches, such as decadent dining at Olvo and pampering spa treatments. But the best part may be simply floating in the infinity pool with views of the sea spread out in front of you. Kyoto, Japan Why you should go: An array of new luxury hotels and the opening of the first Nintendo Museum. “One thing we can say for sure is that interest in visiting Japan is not slowing down,” says Audley Travel’s Heverling. Japan finally welcomed visitors back in 2023, and the numbers are soaring. And for 2024, we’re seeing cool new openings and numerous developments that will make your trip even easier. Kyoto, especially, will be the city to watch in the new year, when the world’s first Nintendo Museum opens in spring 2024 in the former Nintendo Uji Kokura factory site in Kyoto. This will be a big draw for pop-culture lovers and gamers. Even if you don’t know a controller from a cruller, though, Kyoto will enthral you with ancient temples and beautiful architecture that make it look like a real-life fairy-tale town. Plus, there are four amazing new hotels opening in Kyoto in 2024, where you can happily rest, relax and enjoy. Where to stay: Luxury brand Banyan Tree Higashiyama Kyoto will feature a private onsen bath; elegant Six Senses Kyoto will have a spa and zen-like rooms situated around seasonal gardens; and the 313-room Hilton Kyoto will be the brand’s first flagship hotel in Kyoto. Finally, the new Regent Kyoto (an IHG property) is opening a resort-like property in a hundred-year-old garden complex that’s also home to a Michelin-starred restaurant. Northern Territories, Canada Why you should go: An almost-guaranteed opportunity to see the northern lights during the “solar max”. There are two truths about seeing the northern lights: They’re beautiful, and they’re elusive. Unlike the solar eclipse, there’s no date or time that you’re guaranteed to see the night-time spectacular. You do need, however, to go north… in winter… and then wait. That’s why we’re so excited about the news from the Northern Territories of Canada, where a “solar max” cycle is going to make it possible to see the aurora borealis with new ease. According to the Canada Tourism Board, in the Northwest Territories, “travellers have a 98 per cent chance of witnessing the spectacle” during a three-night stay November through March, when longer hours of darkness each day and clear nights make it easier to spot the lights. The jewelled green, purple and gold lights can be seen due to the perfect combination of clear nights, flat landscape, low humidity and the location beneath the earth’s auroral oval. Even better, 2024 is the peak of the 11-year solar cycle, which means the light show will be even more dramatic than usual. Where to stay: The main gateway to the area is Yellowknife, the location of Aurora Village, an entirely Indigenous-owned experience that leads guided night-time tours and where you can go dog sledding and snowshoeing. You can also spend the evening in a cosy teepee, complete with a wood stove, which makes it easy to pop out and see the aurora borealis when it lights up the sky. Mexico City Why you should go: Tour tourism for live-music lovers – and Madonna fans! Expedia predicts that “tour tourism,” following a favourite artist on their headlining tour, will thrive in 2024. “In 2023, the cultural impact of the Eras and Renaissance tours was undeniable, driving ticket sales but also travel and tourism,” according to Expedia Brands travel expert Melanie Fish. Perhaps driven by ticket prices, 30 per cent of travellers told Expedia they would travel outside of their home city for a concert because tickets were cheaper elsewhere, with Mexico City coming out near the top of that list. We’re totally in on the trend, especially since Madonna will play four dates the Palacio de los Desportes in 2024, making Mexico City a live-music hot spot for the coming year. And as an extra bonus, Mexico City is an affordable warm-weather destination, not to mention a hub for art, culture and cuisine. Translation: There’s plenty to do and see when you’re not rocking out. Check out the Colonia Roma neighbourhood, called CDMX – often referred to as “the Williamsburg of Mexico City” for its hipster vibe and cool architecture, art galleries and restaurants. Where to stay: The new boutique hotel Colima 71 features hundreds of authentic Mexican art pieces, a craft coffee bar with an on-site barista and plenty of communal spaces perfect for mingling with fellow travellers. Located in the heart of artsy CDMX, it’s also a super convenient and central location. Washington, D.C. Why you should go: To watch democracy at work during an election year… and visit some cool museums, too. Following a record year of tourism to the US capital, 2024 will likely see visits continue to rise, thanks to the upcoming presidential election in November. But even if you’re not a pollster, there are plenty of other attractions in the nation’s capital that make it one of the best places to travel year-round. First, travellers will be happy to hear that it’s easier to get into the heart of the city now that the Metro added service to Dulles International Airport with direct service on the Silver Line of the underground train system – and it’s never more than $6! While you’re in town, check out the newly renovated and reopened National Museum of Women in the Arts, which spotlights women artists from the 17th century to the present. And in 2024, the Smithsonian’s contemporary art museum, the Hirshhorn, will be celebrating its 50th anniversary with a collection of new exhibits. Also, remember: Nearly all D.C. museums are free, so the sightseeing part of your trip will be super affordable. Where to stay: Book a room at The Dupont Circle, a hotel that successfully walks the line between feeling luxurious and homey. It’s steps away from dozens of art galleries and museums, and it boasts an impressive art collection of its own. Don’t miss brunch and dinner at the delicious new American on-site Pembroke restaurant. The Pekoe Trail, Sri Lanka Why you should go: To check out amazing new hiking trails and old cultures. The newly opened Pekoe Trail in Sri Lanka is a fantastic way to explore the country’s varied landscapes. Ten years in the making, the Pekoe Trail is the first collection of destination-based walking trails that aims to support remote communities, promote cultural heritage and showcase Sri Lankan scenery. Most of the trails opened in the fall of 2023, with a few more opening at the beginning of 2024. The 300-kilometre route starts in the central city of Kandy, famous for the Temple of the Tooth, and meanders through to stunning mountain views of Ella. Audley Travel, says Heverling, can arrange treks to the most scenic parts of the Sri Lanka trail. Hikers will walk on the region’s famed tea trails, as well as through forests, jungle and remote towns and villages. Where to stay: The experts at Audley recommend Mountain Heavens for its fantastic infinity pool that will make you feel like you’re literally floating over the valley. Big, comfy beds and modern amenities, not to mention a delicious included breakfast, all add up to a very luxurious end to a hike. Ras Al Khaimah, United Arab Emirates Why you should go: Seaside vibes in Dubai’s under-the-radar neighbour to the north. Dubai is always popular, and always full of flashy new attractions and frenetic energy. But if you want an Emirates vacation that’s a little more relaxing, head 40 minutes north of the city to this under-the-radar gem. Well, under the radar until 2024, that is, when the luxury Anantara Mina Al Arab Ras Al Khaimah Resort opens and more people realise that it’s one of the best places to travel. It’s set amid the area’s stunning mountains and mangroves in the seaside neighbourhood of Mina Al Arab, which is quickly becoming a trendy destination, with new openings and plenty of sunshine. Ras Al Khaimah is a great spot for outdoorsy types, who can snorkel or swim in the crystal-clear turquoise waters, then head off for a quad biking adventure in the desert or soar over the desert on the world’s longest zipline. And speaking of world records: If you get a chance to spend New Year’s Eve here, don’t miss it. The Emirate holds multiple Guinness World Records for its spectacular fireworks performances held during its New Year’s celebrations. Where to stay: The Anantara Resort here is more than just a getaway from the bustling city. It also boasts Bali-style overwater bungalows for an over-the-top romantic getaway. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.co.nz/flightstravel-hints-tips/14-best-places-to-travel-in-2024?pages=1" target="_blank" rel="noopener">Reader's Digest</a>.

International Travel

4 strategies to keep you from overspending this holiday season

<a href="https://theconversation.com/profiles/johanna-peetz-1494248">Johanna Peetz</a>, <a href="https://theconversation.com/institutions/carleton-university-900">Carleton University</a> The urge to spend money is present all year round, but during the gift-giving season, the temptation to splurge on loved ones can be particularly strong. For many, the desire to be generous during the holidays clashes with the need to conserve funds for essential expenses. This year, money is tighter than ever, with <a href="https://www150.statcan.gc.ca/n1/daily-quotidien/231121/dq231121a-eng.htm?indid=3665-1&indgeo=0">high prices for groceries, housing and entertainment</a> leaving shoppers with reduced funds as the holiday season descends upon us. A growing number of individuals are feeling the financial squeeze, with 40 per cent of Canadians <a href="https://www.bnnbloomberg.ca/financial-stress-is-impacting-the-mental-health-of-canadians-survey-1.1933491">citing money as their main source of stress</a>. <a href="https://newsroom.bmo.com/2023-11-08-78-Per-Cent-of-Canadians-Plan-to-Cut-Back-on-Holiday-Spending,-but-a-Third-Will-Still-Give-Back-to-Charitable-Causes-BMO-Survey">Seventy-eight per cent of Canadians</a> plan on buying fewer gifts this holiday season and 37 per cent are worried they won’t be able to afford all the items on their holiday shopping lists. Given that <a href="https://doi.org/10.3389/fpsyg.2022.790434">pricier gifts are not necessarily more appreciated by the person receiving the gift</a>, what are some ways shoppers can resist the temptation of appealing, yet expensive, gift options that might strain their finances? As a social psychologist who studies personal spending, I think it is worthwhile to remind ourselves of self-control strategies that can help us manage financial decisions during the holiday season. <h2>Strategies for resisting temptation</h2> <a href="https://doi.org/10.1177/1745691615623">Self-control is not just suppressing temptation</a>; it also involves setting yourself up for success by creating situations that make resisting temptations easier. 1. Avoid temptations Perhaps the most obvious strategy is to avoid shopping temptations. This may include steering clear of places — both physical and online — that are out of your budget range. While this is easier said than done during gift shopping, it’s an effective way to manage temptations: People who report having an easier time with self-control <a href="https://doi.org/10.1016/j.paid.2014.09.031">tend to avoid rather than resist temptations</a>. 2. Make a budget If you haven’t sat down to make a holiday budget yet, it’s never too late to make one. Considering one-quarter of Canadians are <a href="https://globalnews.ca/news/10087745/canadian-holiday-spending-debt/">still paying off last year’s holiday debts</a>, being as fiscally responsible as possible is a wise choice this year. Setting spending limits ahead of time makes your financial goals clear and explicit. When setting budgets for gifts <a href="https://doi.org/10.1093/jcr/ucad011">people tend to spend the entirety of the estimated amount (unlike budgets for personal purchases where they try to come in under the budget)</a>. It’s good to be realistic, rather than optimistic, when setting budgets. 3. Implementation intentions Anticipate any potential shopping temptations you are likely to encounter so you can develop strategies to resist them. One effective approach is <a href="https://kops.uni-konstanz.de/server/api/core/bitstreams/14cc2a36-5f01-4dc1-b9ca-f2d0ca0c8930/content">forming intentions</a> about how you will act once you encounter a temptation. For example, you might consider what you will do when you see a gadget your friend would enjoy when you have already bought them something and have reached the limit of your budget. Instead of purchasing it and exceeding your budget, you could write down the gadget for next year’s gift. 4. Write a list Finally, thinking ahead to the gifts you plan to buy and writing a shopping list rather than relying on being inspired in the store might help with sticking to a budget. <a href="http://dx.doi.org/10.1007/s11747-019-00670-w">Consumers spend thousands each year on impulse purchases</a>. Writing shopping lists, <a href="https://doi.org/10.1002/cb.1812">even for online shopping</a>, can reduce overall spending and shopping regret. <h2>The best strategy is the one that works</h2> The holidays should be about joy, not financial stress. Maintaining self-control allows you to celebrate without compromising your financial well-being. There are of course many strategies beyond the four strategies listed here that can help create situations where resisting temptations is easier. The most effective strategies for maintaining financial self-control <a href="https://doi.org/10.1016/j.jesp.2021.104189">are the ones you are already using</a>, and the ones you find most effective. If you want to avoid giving in to shopping temptations, take a moment to think about the financial strategies you are already using and think about how you might use them in your holiday shopping. If you haven’t yet found a strategy that works for you, now is a great opportunity for you to try some out and see which ones are effective. Using strategies to manage the cost of holiday spending can prevent gift-giving from becoming a financial stressor in an already stressful time. Finally, while adhering to a budget is important, it shouldn’t be the sole or primary focus during holiday shopping. Keep in mind that the true spirit of the season is spending quality time with loved ones. The joy of the holidays doesn’t come from extravagant gifts, but from shared moments and meaningful connections.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/219380/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/johanna-peetz-1494248">Johanna Peetz</a>, Professor in Psychology, <a href="https://theconversation.com/institutions/carleton-university-900">Carleton University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/4-strategies-to-keep-you-from-overspending-this-holiday-season-219380">original article</a>.

Money & Banking

Over 60

News

Shop

Catalogues

Travel

Health

Lifestyle

Finance

Entertainment

Property

Information

Keep up to date

Search

Julie Goodwin shares her top tips for perfect potatoes every time

Battling to make ends meet? Financial planning expert offers 5 tips on how to build your budget

As you travel, pause and take a look at airport chapels

Does hosting the Olympics, the World Cup or other major sports events really pay off?

5 tips to keep your dog happy when indoors

The unique travel hack that is guaranteed to help beat jet lag

Flight attendant reveals how to score a free upgrade

Days are getting shorter and colder. 6 tips for sticking to your fitness goal