Filed under: Military families
Personal finances can be a major source of anxiety for Warfighters and family members. Creating a monthly budget can help. A budget is simply tracking money that comes in (income), goes out (expenses), and sticks around (your savings) each month. It does take some effort in the beginning to set up a budget, but once it’s done, it’s easy to update. If you don’t like using computer spreadsheets or writing things down in a ledger book, there are free apps you can use or budgeting programs you can buy. Or check around online—MilitaryOneSource has a budget worksheet. Or get help—some of the Military and Family Life Counselors (MFLC) are Personal Financial Management (PFM) counselors too. They are familiar with military life and its financial challenges, and using their services is free. Visit Military INSTALLATIONS to find the closest PFM to you. Finally, most banks offer tips on their websites on how to save and manage debt, and your local branch may offer free financial seminars.
The key to reducing expenses in order to save is easy—spend less. Many people, however, have a hard time cutting back on spending. A budget can help you keep on track. Saving money takes effort, but it’s worth it for your financial future.
Basic Formula: “Money In” minus “Money Out” equals “Money Retained.”
Today is Military Spouse Appreciation Day! Thank you for your dedicated service to your families and our country. Day in and day out you juggle daily life, your family’s needs, and the additional demands on the spouses of those in military service. HPRC thanks you for all you do—on this day and everyday!
The annual Army “Strong B.A.N.D.S.” campaign is set to launch for another year beginning in May. Strong B.A.N.D.S. promotes physical fitness, nutrition, optimal health, and resilience by focusing on Balance, Activity, Nutrition, Determination, and Strength—forming the acronym B.A.N.D.S. The campaign has activities at numerous garrisons to help educate soldiers, their families, and civilians. Strong B.A.N.D.S. is a campaign of the U.S. Army Installation Management Command Family and Morale, Welfare and Recreation directorate and is “designed to energize and inspire community members to live a healthy lifestyle.”
Check out the website for detailed information and to see if there is a Strong B.A.N.D.S. activity near you.
Do you see physical education classes decreasing in your children’s schools compared to the PE you had when you were younger? Do you want to help your children be active and eat healthier, but you don’t know where to start? Tell your children’s school about the American Council on Exercise (ACE) program called Operation Fit Kids, which consists of two curricula for educators (free to download after completing a survey): one for 3rd to 5th graders and another for 6th to 8th graders. They provide seven lessons with lesson plans, worksheets, and activities a group can do to learn and practice being healthy. After all, practice makes perfect!
If you are interested in additional tips for promoting family fitness, check out HPRC’s Family domain for more ideas. And for even more exercises to try with your family, visit ACE’s online Exercise Library.
Make family fitness a fun affair with tips, games, goal trackers, and incentives from USAF FitFamily! Families can use the website’s resources to set family fitness goals and then track progress. And check out the recipes and activity ideas that can add a little fun to getting healthy—you can even submit photos. To begin, watch FitFamily’s online video, which describes the different resources available on the website. It also provides information on activities that are available at local Air Force installations, such as community resources, outdoor adventures, and family activities.
Interested in more family fitness information? Visit HPRC’s Family & Relationships domain for more resources.
Hearing is usually one of those abilities we take for granted—until we lose it. Make sure your children know the importance of hearing, and help them by encouraging healthy hearing habits. Just like helping them make healthy food choices or exercise, you can help your kids learn healthy hearing habits. The Department of Defense has a Hearing Center of Excellence that does research and provides educational information on the importance of hearing for optimal performance. Last month they wrote a blog on nurturing healthy hearing habits in your children that offers the following three tips:
- Talk to children about the importance of protecting their hearing in their everyday lives. Awareness of noise pollution is the first step towards a lifetime of healthy hearing.
- Make it fun. HCE has links to online tools such as an interactive sound ruler, games, and videos. (The Centers for Disease Control and Prevention also has a fun “Noise Meter.”)
- Make it a family affair; discuss how you deal with noise and demonstrate what you do to protect your own hearing, such as turning down the sound on video games and MP3 players. Your children will follow your example.
If you instill good hearing habits in your children now, they will be ready as adults to cope with the kinds of noise pollution that have been leading to hearing loss among Warfighters.
It’s the New Year! If you’re already despairing about resolutions, keep in mind that making small changes in behavior that fit easily into your lifestyle are good options for family health and weight loss over time. For one month, try choosing three small habits to focus on changing that you can apply to any situation, whether you’re at home, overseas, or travelling. Try setting up email or calendar reminders if that helps you, or put up tangible reminders such as sticky notes around your house. To get you started, here are some ideas:
- Keep unhealthy foods such as potato chips, cookies, etc. out of sight so they are less tempting.
- Put down your fork and knife between bites.
- Portion out “snackable” foods that come in large bags/containers into smaller one-serving containers, so you don’t keep dipping in.
- Choose water over soda.
- Keep fresh fruit on hand to replace fatty, high-calorie snacks.
For more help, Military OneSource has a Health and Wellness Coaching Program that can help you lose weight and improve your overall fitness. Finally, for more information on making healthy food choices for you and your family, visit HPRC’s Family Nutrition section.
Do you show your loved one appreciation? Gratitude is an essential element in happy relationships. Couples who feel appreciated by their significant others in turn are more appreciative back to the other person. Also, when shown appreciation, people tend to be more responsive to their significant other’s needs. In short, gratitude is contagious! Try it. When you next talk to your significant other, find something to be appreciative about and see if it has any positive ripple effects. This can also help maintain intimacy when you are apart from your loved one due to deployment or TDY.
Preventing obesity should begin at an early age, because children who are overweight often become obese as adults. And while many of us know that we need to eat right and exercise, there are also risk factors that we are born with that we can’t change. Now you can calculate your child’s risk of developing obesity with an online calculator.
The calculator was developed by a team of researchers who looked at a number of well-known biological and social risk factors for developing obesity. They were able to boil down their findings to six simple factors that provide a reasonably accurate probability of whether a child will develop obesity:
1) The body mass indexes (BMIs) of both parents. (HPRC has a link to a calculator you can use to calculate BMI.)
2) The number of people who live in the house.
3) What kind of work the child’s mother does.
4) Whether the mother smoked during her pregnancy.
5) The birth weight of the child (in kilograms). (To convert pounds [lb] to kilograms [kg], multiply pounds by 0.45359237.)
Living a healthy lifestyle is beneficial for everyone, but tools like this can help you determine whether your child is particularly at risk for becoming an obese adult, so that you can make important health changes early in life. For ideas to help your family be physically active and healthy, check out this HPRC Healthy Tip as well as the family physical fitness and family nutrition sections of HPRC’s website.
Love may be the most important part of choosing a partner—but do you also think about friendship? Couples who both love AND cultivate a friendship with each other have happier and more stable relationships over the long run—and people in happier relationships tend to be healthier. That makes friendship with your significant other one more factor in a Warfighter’s total fitness package.
If you’re wondering how to cultivate a friendship with your partner, try starting up a conversation around topics like these that will bring you closer:
- What is it about yourself that you’re most proud of?
- What would you like to see happen for us in the next five years?
- Who are your best friends at this point in your life?
- What attracted you to me when we first met?
In other words, you can build a friendship together by talking about your experiences, wants, and dreams. For more tips on building or maintaining a strong relationship, check out HPRC's Answer on how to optimize your relationships.