If you can’t pay in full each month (to avoid interest charges), consider making the payments manually: Research reveals that people tend to pay more when they do it that way versus an automatic minimum payment. If you’ve got a hefty balance, think about a balance transfer. Some cards offer an introductory 0% rate for a small fee; check how long that lasts.
Black and green teas are high in polyphenols, which have been shown to help regulate blood sugar. For the best benefit, skip sweeteners and add a squeeze of lemon.
Losing even this amount of slow wave sleep (which happens during the first part of the night) over a year is linked to a 27% increase in risk for dementia, says a study in JAMA Neurology. During this stage, the brain removes unwanted material, such as the beta-amyloid plaques tied to dementia. To get your deep z’s, stop caffeine at least eight hours prior to bed and alcohol four hours before; also power down electronic devices an hour ahead.
Think about adding these three heart-healthy, research-backed tweaks to your daily routine.
Walking up 50 steps a day may reduce the risk of heart disease by as much as 20 percent. Skip the elevator whenever you can.
It can increase blood flow and reduce inflammation, which may protect the heart. Whether it’s watching a funny television show or giggling with a friend, find some humor in your day.
This age-old advice holds true, because too much sodium can raise blood pressure. A recent study showed that people who sometimes or rarely added salt to their meals were roughly 20 percent less likely to have an event like a heart attack or stroke, compared to those who always did. Flavor dishes with herbs and spices.
To start saving, try these changes:
O Swap incandescent bulbs for Energy Star certified LED bulbs to save about $225 per year.
O Turn off lights when you leave a room (sounds simple, but it’s easy to forget).
O Lower your thermostat a few degrees. You’ll save about 3% on your heating bill for every degree it’s dropped.
Consider a home energy audit: A professional helps pinpoint where your home is losing energy and suggests fixes. For more info, search home energy audit at energy.gov/save
BY: SHARON LIAO; PHOTO: LE CLUB SYMPHONIE/IAN NOLAN/GETTY IMAGES