Adulting 101: Staying Physically and Mentally Fit

As young adults navigate the complexities of life, from university to the workplace, maintaining physical and mental fitness becomes increasingly important. The demands of academic responsibilities, job expectations, and social pressures can take a toll on both the body and mind. 

Before diving into specific strategies, it’s essential to understand why physical and mental fitness are crucial for young adults. Regular exercise helps prevent chronic diseases such as obesity, diabetes, and heart disease. It strengthens the cardiovascular system, boosts the immune system, and enhances overall health. Physical activity increases stamina and reduces fatigue, allowing you to tackle daily tasks with more vigour. Exercise releases endorphins, which are natural mood lifters. Regular physical activity can reduce symptoms of anxiety and depression. Regular exercise can help regulate sleep patterns, leading to more restful and restorative sleep. Achieving fitness goals, whether big or small, can enhance self-esteem and body image.

The benefits of mental fitness are many and varied. Practising self-care techniques help to manage stress levels, leading to a more balanced and peaceful life. Mental fitness practices, such as mindfulness and meditation, enhance cognitive function and improve attention span. Developing mental fitness helps individuals cope with challenges and setbacks more effectively, fostering a greater sense of control over life circumstances. A mentally fit individual is often more empathetic and better equipped to communicate effectively, leading to healthier relationships. Mental clarity and emotional well-being contribute to higher levels of productivity in both academic and professional settings. 

By prioritising physical and mental fitness, young adults can cultivate a healthier, more fulfilling life.

So how can one stay physically fit? Creating a consistent exercise routine is essential for maintaining physical fitness. Some tips to help one get started include setting realistic goals like SMART goals, which stand for Specific, Measurable, Achievable, Relevant, and Time-bound goals. Finding activities one enjoys, whether it’s dancing, swimming, hiking, or playing a sport. This will make it easier to stick to the routine. Incorporating different types of workouts prevents boredom and works different muscle groups. One can consider combining cardio, strength training, and flexibility exercises. Make exercises a priority. One should treat workouts like appointments and schedule them into one’s calendar to ensure one makes time for them. 

Staying active doesn’t have to mean hitting the gym for an hour every day. Some ways to incorporate movement into the daily routine include choosing walking or biking over driving for short trips. This not only adds physical activity but also reduces one’s carbon footprint. Opt for stairs instead of elevators whenever possible. It’s a simple way to get the heart rate up. If one has a desk job or studies for long periods, one should take short breaks to stand up, stretch, or walk around. \

What one eats significantly impacts one’s physical fitness. Aim for a diet rich in fruits, vegetables, whole grains, lean proteins, and healthy fats. This ensures one gets a wide range of nutrients. Aim for at least eight 8-ounce glasses of water a day. Staying hydrated is crucial for overall health and can improve energy levels and cognitive function. Pay attention to hunger and fullness cues. Eating mindfully can help prevent overeating and promote a healthier relationship with food. 

Sleep is a vital component of physical fitness. One should go to bed and wake up at the same time every day, even on weekends. This helps regulate the body’s internal clock. Make the bedroom a quiet, dark, and comfortable space. Consider using blackout curtains and white noise machines if necessary. Avoid screens for at least an hour before bedtime. The blue light emitted by devices can interfere with the ability to fall asleep.

To stay mentally fit, here are some tips:

Practice Mindfulness and Meditation: Mindfulness and meditation are powerful tools for enhancing mental fitness. Start with just a few minutes of mindfulness or meditation each day. Gradually increase the duration as one becomes more comfortable. Use guided meditations using apps like Headspace, Insight Timer or Calm, which offer guided meditations for beginners. Incorporate mindfulness into daily activities and everyday tasks, such as eating or walking. Focus on the sensations and experiences in the moment. 

Engage in Self-Care Activities: Self-care is essential for maintaining mental health. Create a self-care routine and schedule self-time by setting aside regular time for self-care activities, whether it’s reading, taking a bath, or engaging in a hobby. Explore new hobbies and try new creative activities, such as painting, writing, or playing a musical instrument that can provide a mental boost and help relieve stress. 

Spend Time in Nature: Get outside as nature has a calming effect on the mind. Spend time outdoors, whether it’s hiking, gardening, or simply taking a walk in the park. 

Build Strong Social Connections: Social support is vital for mental well-being. Make an effort to stay in touch with friends and family. Regular communication can help strengthen bonds and provide emotional support. Consider joining clubs, sports teams, or interest groups to meet new people and build connections. Volunteering not only helps others but also provides a sense of purpose and fulfilment. One can look for local organisations or causes that resonate with themselves.

Manage Stress Effectively: Stress management is crucial for maintaining mental fitness. Identify stressors by keeping a journal to identify situations or activities that cause stress. Understanding one’s triggers can help one develop coping strategies. Practice relaxation techniques and incorporate deep breathing exercises into one’s daily routine. Inhale deeply through the nose, hold for a few seconds, and exhale slowly through the mouth. Progressive muscle relaxation is a technique that involves the tensing and relaxing of different muscle groups to release tension and promote relaxation. 

Set Boundaries: Learn to say no and avoid overcommitting oneself. Setting boundaries protects one’s time and energy, allowing for adequate rest and self-care. 

Seek Professional Help When Needed: If one is struggling with mental health issues, don’t hesitate to seek help from a professional. Consider speaking with a therapist or counsellor who can provide support and guidance in navigating challenges. Look for support groups in the community or online. Sharing experiences with others who understand can be incredibly beneficial. If necessary, consult a healthcare professional about medication options for managing mental health conditions.

Staying physically and mentally fit is essential for young adults as they navigate the challenges of life. By prioritising exercise and self-care, one can cultivate a healthier, more balanced lifestyle. Remember that fitness is a journey, not a destination. It’s about finding what works and making gradual changes that lead to lasting habits.

Celebrate successes, no matter how small, and remember that taking care of the body and mind is one of the most important investments one can make for one’s future. By fostering both physical and mental fitness, one’ll be better equipped to handle life’s challenges, pursue their passions, and enjoy a fulfilling and vibrant life.

Adulting 101: Financial Literacy

As GG & BB turn 21 later this year (where did all the time go?), I decided to start a new series aimed at young adults. This series will have articles on what adulting is all about. So what is adulting? Adulting is simply doing things that an adult does – work, make and save money, buy or rent a home, etc. Today’s topic, the first in the series, will talk about a very important, perhaps the most important, aspect of adulting – financial literacy.

Being financially literate means having the knowledge and skills to make informed decisions about managing money effectively. This critical life skill empowers one to achieve their financial goals, build wealth, and secure their future.

What is financial literacy? Financial literacy encompasses understanding concepts like budgeting, saving, investing, credit, debt management, and risk protection through insurance. It involves being able to read and analyse financial statements, calculate interest rates, and comprehend the time value of money. Ultimately, financial literacy equips one with the ability to make sound financial choices that align with their short-term and long-term objectives.

Developing financial literacy early in one’s career is crucial for several reasons. Understanding credit, interest rates, and the consequences of overspending can help one steer clear of accumulating unmanageable debt, which can hinder their financial progress. Unexpected expenses like medical bills or job loss can derail finances. Financial literacy teaches the importance of setting aside funds for emergencies and providing a safety net. Whether it’s buying a home, funding retirement, or achieving other financial milestones, financial literacy empowers an individual to make informed decisions about saving and investing for their future goals. Lastly, being financially literate means understanding the role of insurance in protecting assets and income from potential risks, such as accidents, illness, or natural disasters.

One of the fundamental principles of financial literacy is the importance of saving. Developing the habit of saving early can have a profound impact on long-term financial well-being. Here are some reasons why saving should be a priority:

  1. Emergency fund: as mentioned earlier, an emergency fund can provide a financial cushion during unexpected events, preventing one from going into debt or depleting their long-term savings.
  • Retirement planning: compound interest is a powerful force that can help retirement savings grow exponentially over time. Starting to save for retirement early, even with small amounts, can make a significant difference in future financial security.
  • Achieving financial goals: Whether it’s buying a house, starting a business, or taking a dream vacation, saving consistently can help one achieve their financial goals more quickly.

Here are some tips for starting on a financial literacy journey:

  1. Create a budget to track income and expenses to understand where the money is going. Budgeting is the foundation of effective money management.
  • Build an emergency fund and aim to save at least three to six months’ worth of living expenses for unexpected emergencies.
  • Educate oneself by reading books, attending workshops, or taking online courses to improve one’s financial knowledge. Understanding concepts like compound interest, credit scores, and investment strategies can empower one to make better financial decisions.
  • Automate savings by setting up automatic transfers from salary and other commonly used accounts to a dedicated savings account, making saving a habit and reducing the temptation to spend.
  • Seeking professional advice by working with a financial advisor, especially for more complex financial matters like retirement planning or investment strategies. One should look for fee-only advisors who act as fiduciaries, putting one’s interests first.
  • Once an emergency fund has been established and high-interest debts have been paid off, one should consider investing in diversified portfolios like mutual funds or exchange-traded funds (ETFs) to build long-term wealth.

The key things to focus on in building emergency funds are setting realistic goals, making saving automatic and consistent, cutting expenses where possible, and taking advantage of opportunities to direct extra money towards the emergency fund. Building the habit and making it a priority from a young age will pay off tremendously. To build an emergency fund, here are some effective ways to start:

  1. Start small and set achievable goals: Begin by saving the first $1,000 (or an equivalent amount in your currency) as an initial emergency fund target. Set small, realistic goals like saving $20-$100 per month until that first $1,000 is reached. Having an achievable initial goal will help one stay motivated and build the habit of saving.
  • Set up automatic transfers: Automate savings by setting up recurring transfers from the main account to a dedicated high-yield savings account for the emergency fund. Treat these automatic transfers like a recurring bill that gets paid first before other expenses. Automating the process makes it easier to save consistently without having to think about it.
  • Cut back on unnecessary expenses: Identify and reduce discretionary spending on things like eating out, entertainment, subscriptions, etc. Cook at home, find free/low-cost hobbies, and cancel unused memberships. Redirect the money saved from cutting expenses into the emergency fund.
  • Use windfalls and pay raises: When one receives tax refunds, bonuses, gifted money or pay raises, allocate a portion towards the emergency fund. Don’t treat windfalls as extra spending money; instead, prioritise saving some of it.

Developing financial literacy is an ongoing journey, but the sooner you start, the better prepared you’ll be to navigate the financial challenges and opportunities that lie ahead. Embrace financial education, cultivate healthy money habits, and take control of your financial future from the very beginning of your career.